Podcasts about Ferrum

Appalachians once prided themselves on the ability to support an entire family, and neighbors, off of small family farms, so that's what we're focusing on for this show. We welcomed Ed Saunders, who is leading the charge for the Southwest Virginia Alternative Living Expo coming to Ferrum at the end of this month, for a discussion on the upcoming event, his journey to Appalachia, how local government operates to our determent, and so much more. The event is May 31st in Ferrum, VA at 18884 Franklin Street, and you'll be learning to live on your on way. So check them out at www.swval.com and enjoy the show.Support the show

Appalachians once prided themselves on the ability to support an entire family, and neighbors, off of small family farms, so that's what we're focusing on for this show. We welcomed Ed Saunders, who is leading the charge for the Southwest Virginia Alternative Living Expo coming to Ferrum at the end of this month, for a discussion on the upcoming event, his journey to Appalachia, how local government operates to our determent, and so much more. The event is May 31st in Ferrum, VA at 18884 Franklin Street, and you'll be learning to live on your on way. So check them out at www.swval.comand enjoy the show.Support the show

Support document: https://drive.google.com/file/d/1PynJkQKgOws_57mTA-NE5BhH0c2gfs2U/view?usp=drive_link   Find out more about Trinity Health Hub at https://trinityhealthhub.com/.

Former Ferrum All-American and 1st year Skipper joins the SBR to discuss his journey to the big leagues, the importance of D3 athletics, and the new legislation being thrown at college baseball.

On this reaction episode of the PantherPod, Owen discusses his picks from week 11 and his trip up to Morgantown, WV to watch the Mountaineers take on the Bears in an unfortunate outcome. He voices his frustrations on the state of the program and what he believes should happen next. He wraps up Ferrum's final full season in DIII football as they dominate rival Averett to finish 5-5 on the year and 3-4 in conference. Be sure to follow us on Facebook, Instagram, and X! Leave a review, comment, and like anywhere you get your podcasts.

In this week's predictions on the PantherPod. Owen discusses his top picks of games and discusses Ferrum's last game of the season against rival Averett University and outlines his trip with Cole and Jay in Morgantown as the gang travels on those wild and wonderful country roads to see the Mountaineers take on the Bears of Baylor. Make sure you're following on Instagram, Facebook, and X! Remember to leave a like, review, and comment anywhere you get your podcasts!

On this episode of the PantherPod, Owen discusses his games to watch in Week 11 and what you can expect to see from each team. He also discusses West Virginia's matchup against old Big East foe, the Cincinnati Bearcats. Ferrum travels to defeat a formidable opponent in the Yellow Jackets of Randolph-Macon. He is rounding out the episode with the brand new 12 team playoff rankings. Be sure to follow the podcast on Facebook, Instagram, and X! Leave a review and comment, and don't forget to subscribe!

This week on the PanterPod, Owen reacts to his week 10 picks and the abismal 1-3 record he acrewed from his picks of the week. Elated, he discusses Ferrum improvement under 1st year Head Coach Kevin Sherman and what the future holds for the Blackhats. Owen also discusses the last AP Top 25 of the 2024 season. Follow us on Facebook, Instgram. and X! Be sure to leave a comment, review, and subscribe anywhere you get your podcasts!

On this episode of the PantherPod, Owen discusses his picks for Week 10 and covers the Ferrum game against Guilford this Saturday! Owen also discusses the coaching changes that have taken place at West Virginia and what more could be done. Follow us on Facebook, Instagram, and X! Please be sure to leave a like and/or comment and don't forget to subscribe through the podcast feed!

On this episode of The PantherPod, Owen predicts several games for Week 9, along with West Virginia vs Arizona and a massive game for a huge weekend at Ferrum as the Blackhats take on the Generals of Washington & Lee. Be sure to follow us on Facebook, Instagram, and X! Remember to leave a like, review, and comment anywhere you get your podcasts!

On this despairing episode of The PantherPod, Owen discusses what he believes to be one of the best weekends in college football. Owen gets on his soapbox about West Virginia even after going 3-2 in his picks. Still, he rounds out the episode on a high note with Ferrum's HUGE homecoming win over Hampden-Sydney! Follow us on Facebook, Instagram, and X! Please leave a review and/or comment anywhere you get your podcasts!

On this episode of The PantherPod, Owen discusses some of the most exciting college football games in week 8! He also addresses the comments made by WVU Head Coach Neal Brown during his Monday press conference, previewing West Virginia's game against Kansas State. Owen also talks about Ferrum's homecoming and the Blackhats' great opportunity against ODAC foe Hampden-Sydney. Be sure to follow us on Facebook, Instagram, and X for all things PantherPod! Please leave a review and/or comment from wherever your listening!

In the STUNNER! of an episode on The PantherPod, Owen discusses his disastrous picks for week 6 but celebrates amongst the chaos that is college football this week. West Virginia dominates Oklahoma State and Ferrum gets dominated by Bridgewater College in the conference opener. All this and MORE! Follow us on Facebook, Instagram, and X! Leave a comment and a review anywhere you get podcasts!

On this episode of The PantherPod, Owen discusses his top 5 games to watch this week as West Virginia and Ferrum come off a much needed bye week and continue with conference play. As always, follow us on Facebook, Instagram, and X! Don't forget to leave a review and comment anywhere you get your podcasts!

On this episode of The PantherPod, Owen gives his five best games of the week as both West Virginia and Ferrum head into their bye week. Check us out on Facebook, Instagram, and X! Leave a like, comment, and review anywhere you get your podcasts!

On this Poetic PantherPod, Owen recaps week 4 games. He marvels at Ferrum football's performance against Averett and West Virginia rebounds with a win the same way they lost the Backyard Brawl! All this and more! Please be sure to follow us on Facebook, Instagram, and X! Leave a review as well!

On this episode of The PantherPod. Owen discusses the opening week of conference play for many teams including a bonus upset game. West Virginia opens Big 12 play against the Jayhawks of Kansas in Morgantown since 2022, as both teams come in disappointed at 1-2. Ferrum takes on their rival Averett in Danville to finish out non-conference play. Make sure to leave a comment and review anywhere you get your podcasts. Follow us on Facebook, Instagram, and X

On this episode of The PantherPod. Owen reacts to his top 5 games from week 3 and suffers through his analysis of The Backyard Brawl and what went wrong for West Virginia. However, he's able to end on a high note as Ferrum were winners in their game against N.C. Wesleyan! Be sure to leave a comment and review anywhere you get your podcasts. Follow and like on Instagram, Facebook, and X

In this episode of The PantherPod, Owen competes in his own battle against his sickness over the weekend and reacts to his top games of the week as well as West Virginia vs Albany and Ferrum vs Mount Union. Owen also gives his thoughts and opinions on the brand new AP Top 25! Make sure to like, leave your thoughts in the comment and a review!

In this episode of The PantherPod, Owen highlights several games that he believes are must see TV and points out how they are usually much improved from week 1 to week 2. Owen also highlights West Virginia vs Albany and Ferrum's home opener against #5 Mount Union.

Billy Catron and Ron Jones took similar baseball paths, but their experiences were different.  The pair won a state championship at Liberty High (Bedford Co., Va.) and played on a JUCO power at Ferrum.  They reunited at Longwood and shocked the baseball world by beating Valdosta State in the regionals and advancing to the 1982 NCAA DII College World Series.  Billy and Ron team up for an insightful and heartfelt Lancers Past episode. 

Taha is the CTO of Ferrum Network, an interoperable L1 network designed to communicate and connect with every blockchain. Ferrum enables a frictionless environment for developers to deploy across chains and for users to fully engage in Web3.

On this show we were joined by former Major League Baseball player, and new Ferrum Head Baseball Coach, Eric Owens, along with former Coach Abe Naff and Carter Chitwood, to talk to Eric about his journey that brought him back home. There are stores from his days at Ferrum College, the MLB, Tony Gwynn, plus his plan for the future for Ferrum Baseball, and so much more. Baseball is officially BACK in Ferrum, and we were glad to be a part of it.Support the Show.

Send Dr. Caroline a MessageTISSUE SALT FERRUM PHOS 6X IS EXCELLENT FOR THE FIRST STAGES OF NOT FEELING WEEL AND A LOW GRADE FEVER. LEARN THE SYMPTOMS FOR USING IT AS THIS TISSUE SALT IS PART OF OUR NATURAL BODY.  CATALYN GF (gluten free) IS STANDARD PROCESS' ALL PURPOSE organic  VITAMIN FOR ALL YOUR TISSUE SALTS.  LEARN ABOUT and monthly order CATALYN HERE: https://carolinewalrad.standardprocess.com/products?page=1&searchTerm=Catalyn%C2%AE&sortOrder=relevancStandard Process Whole Food Supplements, Organically Grown in the United States. "Changing lives since 1929"Order directly from Standard Process here:carolinewalrad.standardprocess.com/products

Taha Abbasi is a recognized leader in blockchain innovation, contributing significantly to the growth of decentralized finance and interoperability technologies. As the CTO of Ferrum Network, Taha has architected sophisticated systems for cross-chain communication, liquidity aggregation, and asset transfer, pushing the boundaries of what is possible in the blockchain space. His work on OmniChain Liquidity and OmniSwaps has revolutionized how exchanges operate, offering seamless liquidity across multiple chains. At Ferrum Network, Taha has been instrumental in designing reward systems that enhance blockchain incentives, ensuring fair participation and engagement within the network. His pioneering efforts in Web3 conversion tracking have optimized blockchain analytics, providing valuable insights for developers and users alike. Outside the blockchain industry, Taha had a decorated career, serving as the CTO of five major companies, including National Geographic. He was also a technical consultant at Apple and NASA's Jet Propulsion Laboratory. Taha is an alumnus of prestigious institutions like MIT Sloan and Harvard Extension School. Taha Abbasi's extensive experience and high-impact contributions make him a sought-after expert in blockchain technology and DeFi. His leadership and technical acumen continue to drive Ferrum Network towards new heights in the blockchain industry. --- Support this podcast: https://podcasters.spotify.com/pod/show/crypto-hipster-podcast/support

Margaret Cornwell is originally from Tuscaloosa, Alabama and grew up competing in local and A rated shows in the Hunters and Equitation divisions. She rode for Ferrum College on the IHSA team from 1997. In 2013 Ferrum College decided to bring the Equestrian team back as an athletic team and that's when she made the transition to coaching Ferrum's team. 

This audio is brought to you by Endress and Hauser, a leading supplier of products, solutions and services for industrial process measurement and automation. Leading African independent power producer Globeleq says the 153 MW/612 MWh Red Sands project, which was recently awarded preferred bidder status under South Africa's inaugural battery storage public procurement round, will be the largest standalone battery energy storage system (BESS) in Africa and will carry an investment value of R5.7-billion. It is smaller than the 225 MW/1 140 MWh BESS deployed at Scatec's Kenhardt project, also in the Northern Cape. However, Kenhardt is a hybrid solar-battery project developed under the separate Risk Mitigation Independent Power Producer Procurement Programme, which requires the plant to produce 150 MW of dispatchable electricity daily from 5:00 until 21:30. The Red Sands project was originally developed by African Green Ventures, which Globeleq acquired last year from Magnora, a Norwegian company listed on the Oslo Stock Exchange. Located about 100 km southeast of Upington, the lithium-ion battery project will be constructed on a 5 ha site and will connect to the grid through the Eskom Garona substation, which Globeleq says will be upgraded by Red Sands to ensure that full network support capabilities of the batteries can be utilised. Red Sands was not initially named as a preferred bidder on November 30, when Minerals Resources and Energy Minister Gwede Mantashe announced the first four preferred projects selected following Bid Window One (BW1) of South Africa's Battery Energy Storage Independent Power Producer Procurement Programme (BESIPPPP). However, Mantashe also announced that "value for money" negotiations were under way with a fifth bidder with the aim of having the bid window's full 513 MW/2 025 MWh allocation assigned to independent power producers across the five Northern Cape substations selected by Eskom. The four projects identified were the 103 MW Oasis Nieuwehoop and 77 MW apiece Oasis Aggeneis and Oasis Mookodi projects, bid by an EDF Renewables-led consortium and the 103 MW Scatec-led Mogobe, located at the Ferrum substation. On March 28, the Department of Mineral Resources and Energy (DMRE) announced that negotiations with a fifth bidder had been concluded and that the Red Sands project had been selected as a preferred bidder for development at the fifth substation selected for the round, which was launched in March 2023. Globeleq CEO Mike Scholey expressed delight at Red Sands having received preferred-bidder status and said the company looked forward to working with government to advance the project to financial close and into operation. Globeleq says the project will take 24 months to construct after financial close, which is expected later this year. "Electricity storage is going to be key not only in helping South Africa meet its considerable industrial and domestic demand for energy but also in meeting growing demand right across Africa as more and more renewable energy projects benefit from the advances our industry has made with battery storage technology," Scholey said. Red Sands will be Globeleq's first large-scale BESS project in South Africa where the group also owns and operates six solar photovoltaic plants and two wind farms with a total generating capacity of 384 MW. The company, which is owned 70% by British International Investment and 30% by Norfund, also owns a combined solar and BESS plant at Cuamba in Mozambique and is developing other BESS projects across the African continent. Meanwhile, the DMRE recently launched a request for proposals for BESIPPPP BW3, which has a 616 MW/2 464 MWh allocation across five pre-selected substation sites in the Free State. A bid submission deadline of July 31 has been set after the deadline for BESIPPPP BW2, which was launched in December for sites in the North West province, was extended from April 30 to June 6.

This audio is brought to you by Endress and Hauser, a leading supplier of products, solutions and services for industrial process measurement and automation. Leading African independent power producer Globeleq says the 153 MW/612 MWh Red Sands project, which was recently awarded preferred bidder status under South Africa's inaugural battery storage public procurement round, will be the largest standalone battery energy storage system (BESS) in Africa and will carry an investment value of R5.7-billion. It is smaller than the 225 MW/1 140 MWh BESS deployed at Scatec's Kenhardt project, also in the Northern Cape. However, Kenhardt is a hybrid solar-battery project developed under the separate Risk Mitigation Independent Power Producer Procurement Programme, which requires the plant to produce 150 MW of dispatchable electricity daily from 5:00 until 21:30. The Red Sands project was originally developed by African Green Ventures, which Globeleq acquired last year from Magnora, a Norwegian company listed on the Oslo Stock Exchange. Located about 100 km southeast of Upington, the lithium-ion battery project will be constructed on a 5 ha site and will connect to the grid through the Eskom Garona substation, which Globeleq says will be upgraded by Red Sands to ensure that full network support capabilities of the batteries can be utilised. Red Sands was not initially named as a preferred bidder on November 30, when Minerals Resources and Energy Minister Gwede Mantashe announced the first four preferred projects selected following Bid Window One (BW1) of South Africa's Battery Energy Storage Independent Power Producer Procurement Programme (BESIPPPP). However, Mantashe also announced that "value for money" negotiations were under way with a fifth bidder with the aim of having the bid window's full 513 MW/2 025 MWh allocation assigned to independent power producers across the five Northern Cape substations selected by Eskom. The four projects identified were the 103 MW Oasis Nieuwehoop and 77 MW apiece Oasis Aggeneis and Oasis Mookodi projects, bid by an EDF Renewables-led consortium and the 103 MW Scatec-led Mogobe, located at the Ferrum substation. On March 28, the Department of Mineral Resources and Energy (DMRE) announced that negotiations with a fifth bidder had been concluded and that the Red Sands project had been selected as a preferred bidder for development at the fifth substation selected for the round, which was launched in March 2023. Globeleq CEO Mike Scholey expressed delight at Red Sands having received preferred-bidder status and said the company looked forward to working with government to advance the project to financial close and into operation. Globeleq says the project will take 24 months to construct after financial close, which is expected later this year. "Electricity storage is going to be key not only in helping South Africa meet its considerable industrial and domestic demand for energy but also in meeting growing demand right across Africa as more and more renewable energy projects benefit from the advances our industry has made with battery storage technology," Scholey said. Red Sands will be Globeleq's first large-scale BESS project in South Africa where the group also owns and operates six solar photovoltaic plants and two wind farms with a total generating capacity of 384 MW. The company, which is owned 70% by British International Investment and 30% by Norfund, also owns a combined solar and BESS plant at Cuamba in Mozambique and is developing other BESS projects across the African continent. Meanwhile, the DMRE recently launched a request for proposals for BESIPPPP BW3, which has a 616 MW/2 464 MWh allocation across five pre-selected substation sites in the Free State. A bid submission deadline of July 31 has been set after the deadline for BESIPPPP BW2, which was launched in December for sites in the North West province, was extended from April 30 to June 6.

Wayne Elliott joins the podcast via a connection with Bobby Malone (Episode 150). Wayne and Bobby knew each other from the time when they worked at Reynold's Aluminum together. Wayne retired, moved to Kansas and they lost touch, but got reconnected about two years ago and have been talking ever since. He grew up in Essex County, VA and played a lot of baseball. He went on to play at both Ferrum and Randolph Macon. His love of baseball came from his Dad who he unfortunately lost when he was in eighth grade. They talked about his work, baseball, playing softball and golf and we learned about a unique backyard game he played growing up. They ended by talking about what keeps Wayne busy nowadays and vowed to meet each other if Wayne ever makes his way back to Virginia for a visit.

Welcome to the Instant Trivia podcast episode 1079, where we ask the best trivia on the Internet. Round 1. Category: Elemental Latin 1: Aurum. gold. 2: Ferrum. iron. 3: Plumbum. lead. 4: Argentum. silver. 5: Kalium. potassium. Round 2. Category: The Real Adams Family 1: Let's drink a beer to the memory of this man who died in Boston Oct. 2, 1803, aged 81. Sam Adams. 2: In 1900 Brooks Adams predicted that in 50 years these countries would be the world's 2 main powers. the United States and Russia. 3: On becoming president, he said he was "less possessed of your confidence... than any of my predecessors". John Quincy Adams. 4: Henry Adams lived in this city, and there's a memorial to his wife Clover in Rock Creek Cemetery there. Washington, D.C.. 5: In 1848 Charles Francis Adams was on the ticket of this 2-word party formed to oppose the extension of slavery. the Free Soil Party. Round 3. Category: Beantown Tv 1: We learned of 3 people who'd never been in Cliff Clavin's kitchen when he played "Jeopardy!" on this sitcom. Cheers. 2: Julie Bowen, Candice Bergen and Rene Auberjonois get lawyered up on this David E. Kelley drama. Boston Legal. 3: Bruce Greenwood, Ed Begley Jr. and Denzel Washington played doctors at St. Eligius on this drama. St. Elsewhere. 4: In the '70s he played Banacek, a suave Beacon Hill P.I.; in the '80s he led "The A-Team" and blew up a lot of stuff. (George) Peppard. 5: Sharon Leal, Jeri Ryan and Chi McBride educated us on this David E. Kelly drama. Boston Public. Round 4. Category: Consciousness Of Stream Writing 1: Mark Twain's memoir "Life on" it tells tales of one of America's great rivers. the Mississippi. 2: Jonathan Schneer's history of this river includes an account of the 1215 negotiation of the Magna Carta on its banks. the Thames. 3: Whistle a happy tune and name this Pierre Boulle World War II P.O.W. novel that was made into an Oscar-winning film. Bridge on the River Kwai. 4: Alan Moorehead published histories of these 2 main branches of the world's longest river. the Blue Nile and the White Nile. 5: 4 men on a canoe trip in this James Dickey novel fight to survive the wild Cahulawassee River and scary locals. Deliverance. Round 5. Category: Call Me Cat. With Cat in quotation marks 1: Something very appealing to people is likened to this "feline" herb of the mint family. catnip. 2: 19th c. consumers liked buying from folks they knew, so Mr. Montgomery Ward might send a personal note if you ordered from this. the catalog. 3: This No. 1 hit has haunted fathers since 1974 as they watch time pass all too quickly as their sons grow up. "Cat's In The Cradle". 4: Someone full of big talk without being able to back it up is said to be "all hat, no" this. cattle. 5: You're sitting in this idiomatic "seat" when you have a position of great advantage. the catbird seat. Thanks for listening! Come back tomorrow for more exciting trivia!Special thanks to https://blog.feedspot.com/trivia_podcasts/ AI Voices used

For more information see www.trinityhealthhub.com.

Brandon Johnson scored a career-high 29 points to lead four Pirates in double figures and was a rebound shy of a double-double as East Carolina topped Division 3 foe Ferrum College, 91-61, in the season opener at a new-look Williams Arena-Minges Coliseum on Monday night.

Brandon Johnson scored a career-high 29 points to lead four Pirates in double figures and was a rebound shy of a double-double as East Carolina topped Division 3 foe Ferrum College, 91-61, in the season opener at a new-look Williams Arena-Minges Coliseum on Monday night. --- Support this podcast: https://podcasters.spotify.com/pod/show/thesportsobj/support

On this show we welcome a couple of very interesting folks to the program in Roddy Moore and Bethany Worley, the former, and current, director of the Blue Ridge Institute and Museum at Ferrum College. In just a few short days they'll be celebrating their 50th year of the Ferrum Folklife Festival, that has been a staple in our lives at the show. We talked about all the event offered, some moonshine history, the music archives, the history of music in our area, and much more. Check out the festival coming up on October 28th in Ferrum, VAhttp://www.patreon.com/getontaphttps://www.appalachianpodcast.orghttps://www.facebook.com/AppalachianPodcasthttps://twitter.com/GetOnTaphttps://www.instagram.com/theappalachianpodcast/https://www.facebook.com/harwellgriceSupport the show

The boy's went 3-0 this weekend as Ferrum, LSU, and WVU all had big wins. GET HYPE!!!

Sneaking into the Abjurer's command center went about as smooth as using sand paper to wipe. But the party can thank their local witch for casting a very powerful love spell on the one General Roland von Ferrum. With the infamous U-SB device, they must find a way to extract the evidence they are searching for if they want any hope of convincing the Nature Spirits to join their cause.Parental Note: Please be sure our content is appropriate for your family. We would rate it as PG-13 for content.About:Sword Art Online: AOD is an actual play podcast that follows the story of the "Antithesis of Darkness" guild on their journey to simply survive being trapped inside of an MMORPG world. This ain't your mommas' Sword Art Online. Now put on your nerve gear and prepare to shout "link start!"Want to talk more about the show or discuss your favorite episodes with the cast? Join us in our discord server or follow us on social media!Contact Us:Email: info@missingrollplayerfound.comFollow Us:Website: https://missingrollplayerfound.com/Linktree: https://linktr.ee/rollfoundSupport Us: Please consider contributing to the production of the podcast.Patreon: https://patreon.com/missingrollplayerfoundDice Envy (affiliate): https://diceenvy.com/?rfsn=2188188.53cb38Battlebards (affiliate): https://battlebards.com/#/register/mrpfpodMusic Attribution: Artlist - Ardie Son (Spoil the Mystery), Ty Simon (Inspector Ratchet), Matt Stewart-Evans (Strange Behavior), The Original Orchestra (The Cat and the Panther), T. Bless & the Professionals (Secret Agent T), Jakub Pietras (Breaking Into a Secret Government Facility, Following the Suspect, Solving the Mystery, The Bizarre Adventure's of the Mudlark Society, On the Run, Bank Roberry Escape, Fire in the Ballroom, Femme Fatale), Francesco D'Andrea (Double Espresso), Colonel Mustard (The White Russian)Link: https://artlist.io/License: PurchasedOther Music and Sounds by Syrinscape Link: https://syrinscape.com/?att_missing_roll_player_found Because Epic Games Need Epic Sounds If you need music in your games check out our friends over at BattleBards. They provide the most premium audio library with over 3,400+ tracks including Musical Scores, Sound Effects, Soundscapes, and more! Support this podcast at — https://redcircle.com/missing-roll-player-found2852/donations

Last week was the 87th annual Old Time Fiddlers Convention in Galax, VA. I joined 80,000 folks from around the world to experience my first Galax, the nick name for the festival for long time convention goers. Players from around the world compete on the historic Felts Park stage for different prizes. I arrived Thursday for the inaugural ‘Stories and Strings' event in downtown Galax.Featured in this mini episode are The Jack Tale Players from  Ferrum, VA.  I spoke with Emily and Rachel Blankenship-Tucker, long time members of the troupe. The main events begin Friday night, the first evening for full band competitions in the Old Time and Bluegrass categories. The Loose Strings Band opened the evening with The National Anthem; I walked around until I happened upon Trish Fore, the bluegrass banjo librarian for the Twin Counties. She was practicing with her band, Trish and the Wildcats, for their particular event. If you'd like to learn more about the festival, head over to oldtimefiddlersconvention.com!I can't wait until next years Galax, come say hi if y'all see me there:)Appalachian Vibes Radio Show from WNCW is listener nominated, you can nominate an artist by emailing Amanda at appalachianvibes@gmail.com. Appalachian Vibes Radio Show is created and produced by Amanda Bocchi, a neo soul singer-songwriter, multi instrumentalist and journalist hailing from the Appalachian Mountains of Virginia.

Welcome to "Meltdown to Mastery," the podcast that empowers you to unlock your true potential. I'm your host, Jayne Marquis ND. In today's episode, we delve into the fascinating world of tissue salts, focusing on the incredible power of Ferrum Phos and how it can be combined with Calc Phos for a synergistic affect. Ferrum Phos offers a dynamic benefits, from 1. Boosting oxygen levels and combating fevers, colds and flus to 2.Addressing anemia and 3. reducing inflammation. Join me as we explore the healing powers of this tissue salt Ferrum Phos and unlock the secrets to vitality and well-being. I'm Jayne Marquis ND, your guide on this transformative journey. Get ready to harness the remarkable potential of Ferrum Phos as we embark on another episode of "Meltdown to Mastery." #JayneMarquis #MidLifeCrisis #Empowerment #Mindfulness #MindBody #mindbodysoul #Mindfulness #Success #Flow #Effortless #Abundance #Ease To dive deeper into these topics, don't forget to check out Jayne's INpowered Handbook, a comprehensive guide to the 12 cell or tissue salts and 17 homeopathic remedies. Start your journey towards self-empowerment and healing today! - https://inpoweredhealth.com/books/ ⁠⁠https://inpoweredhealth.com/books/⁠ For more Meltdown to Mastery episodes, linktree connects to my website, and many platforms where Meltdown to Mastery is published  - - My Linktree: ⁠⁠⁠⁠⁠⁠⁠⁠https://linktr.ee/INpoweredhealth⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠https://inpoweredhealth.com/⁠⁠⁠⁠⁠⁠⁠⁠ This podcast is for information purposes only and represents the views and opinions of the speakers. The information presented is not meant to diagnose, treat, cure, or prevent disease. We recommend you seek the advice of a licensed healthcare practitioner before beginning any natural, complimentary, or conventional treatment.

On this episode we sat down with Ferrum College President, Dr Mirta Martin, and discussed an array of topics. We talked about her journey to Ferrum, the role of the College, aspirations, reaching todays youth, the Panther Promise, and other big happenings going on at the college, along with her immigration from Cuba, getting the 1993 Baseball team back on campus, and much more. http://www.patreon.com/getontaphttps://www.appalachianpodcast.orghttps://www.facebook.com/AppalachianPodcasthttps://twitter.com/GetOnTaphttps://www.instagram.com/theappalachianpodcast/https://www.facebook.com/harwellgriceSupport the show

À la Bonne Auberge, les plats sont délicieux, les boissons fraîches et les aventures trépidantes !Merci à NordVPN de sponsoriser cet épisode de nos aventures !Voici le lien qu'on vous invite cordialement à cliquer de manière répétée : https://nordvpn.com/lba(Rappel : 1 mois offert pour tout abonnement pris avec notre code et 3 mois de plus offerts pour les abonnements de 2 ans et plus, pour célébrer le 11e anniversaire de NordVPN) Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Andrea Werner is the co-owner of Element 26 Fitness, CrossFit Ferrum in Jacksonville, FL. ========== 50% of Americans have musculoskeletal pain. Over 1/3 of Americans suffer from obesity. 67% of Americans are overweight. With thousands of gyms, hundreds of thousands of fitness coaches, doctors, physical therapists, chiropractors, and gyms in the US, access is not the problem. This podcast provides the actionable information needed to help you create a fulfilling and financially rewarding career helping the millions of people whose needs fall somewhere between the fitness and healthcare industries of today. Join the thousands of fitness professionals who have experienced life changing results by working with Active Life.  www.activelifeprofessional.com Get on a call with us:  https://secure.scheduleonce.com/60minutemeetingwithnick

Marshall and Austin clock in with Keith Crump for this week's episode! Keith was a former college basketball teammate of Marshall's at Feruun College. Keith shares his incredible journey from being overlooked into an all conference player at Ferrum! Each episode is bright to you by our sponsor Aiko Underwood with Arista Real Estate! http://Aunderwoodrealty.com/buyers/clock-in/ --- Support this podcast: https://anchor.fm/austin-hamilton4/support

It is Rivalry Week yet again here on the PantherPod as Ferrum looks to finish strong against Averett, WVU goes up against Oklahoma, and LSU plays a scary trap game in Ar-Kansas

Chapters00:00 - Introduction01:02 - Ferrum 7 music track02:09 - Starting Out As A DJ08:55 - Becoming A Music Producer13:18 - Founding female:pressure20:38 - An International Support Network23:50 - Musical Styles27:15 - Current Projects29:57 - Ableton and Modular31:10 - Working In Multi-Channel Audio34:39 - Future PlansElectric Indigo BiogElectric Indigo, DJ, composer, musician has performed in 45 countries across Europe, Asia, and the Americas. She represents an intelligent and distinguished interpretation of techno and electronic music. In 1998 she founded the transnational female:pressure network for which she received an Honorary Mention at Prix Ars Electronic in 2009. The Republic of Austria awarded her with the Kunstpreis Musik in 2020. Electric Indigo premiered her compositions at festivals like Wien Modern, Musikprotokoll, CTM or Heroines of Sound and composed for Klangforum Wien. Her debut album “5 1 1 5 9 3” came out on Imbalance Computer Music, followed by "Ferrum" on Editions Mego in 2020. “Brittle” was released on Ventil Records in 2022.https://indigo-inc.at/Caro C BiogCaro C is an artist, engineer and teacher specialising in electronic music. Her self-produced fourth album "Electric Mountain" is out now. Described as a "one-woman electronic avalanche" (BBC), Caro started making music thanks to being laid up whilst living in a double decker bus and listening to the likes of Warp Records in the late 1990's. This "sonic enchantress" (BBC Radio 3) has now played in most of the cultural hotspots of her current hometown of Manchester, UK. Caro is also the instigator and project manager of electronic music charity Delia Derbyshire Day.URL: http://carocsound.com/Twitter: @carocsoundInst: @carocsoundFB: https://www.facebook.com/carocsound/

This show was up there with the best of em. We sat down with the legendary "Ferrum Flash" Paul Radford, who at 90 years old is still as sharp as a tack. Tune in to hear stories of bootlegging, tangling with Earnhardt, running from the law, historic racing stories, and so much more. Don't want to give any away, just go listen. We promise the stories rival anything you'll hear on the Dale Jr Download.https://www.patreon.com/getontaphttps://www.appalachianpodcast.orghttps://www.facebook.com/AppalachianPodcasthttps://www.instagram.com/theappalachianpodcast/https://www.facebook.com/SMARTMODIFIEDTOUR/https://southernmodified.com/https://www.instagram.com/smartmods_/https://twitter.com/SMARTMods_https://www.facebook.com/harwellgrice73Bustin' Chops & Callin' ShotsEach week Josh and Jon sit down to give their take on travel sports and everything in...Listen on: Apple Podcasts SpotifySupport the show

Connor Lapresi is about to begin his first season as the head coach of Ferrum Women's Wrestling. Connor is one of the most energetic individuals I know in the sport of wrestling. He tells his journey of moving to Lansing NY to further his development in the sport of wrestling and as well as the connections he's made. Lapresi who is a NY state champ and a Cornell wrestling alum has a very positive outlook on the sport of wrestling serving on team VA's staff for Cadet Freestyle/Greco Duals and was on staff for Team NY in Fargo. Like our conversation in Fargo, we could have talked for hours. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

In this DaVinci Innovators+ episode Dr. Maxwell Cooper interviews Pelu Tran and Kenneth Ko, Co-Founders of Ferrum Health. Pelu and Ken give an overview of how Ferrum Health provides AI Hubs for healthcare systems that consist of validated AI algorithms that improve workflow efficiency, diagnostic ability, and outcomes for a variety of clinical areas, including oncology, orthopaedics, and cardiology. The AI algorithms that are part of Ferrum's Hubs have been shown to triage radiology worklists to prioritize studies with potentially critical findings, aid radiologists with making diagnoses, and decrease error rates. The discussion also covers how AI can be can help decrease the ever growing demands on radiologists, identify potential areas of workflow improvement, and be applied to rural health systems to improve access to care. +DaVinci Innovators is a series of episodes of The DaVinci Hour Podcast that feature physicians, inventors, and entrepreneurs working on innovative medical technology. Guests discuss developing new medical technology, building medtech companies, and advice for anyone going through the process of medical innovation. *Views expressed in this podcast are those of the individuals, not their respective institutions Ferrum Health Website: https://ferrumhealth.com/ Twitter: @ferrumhealth LinkedIn: https://www.linkedin.com/company/ferrumhealth/   The DaVinci Hour Podcast Website: https://www.dviacademy.com/the-davinci-hour DaVinci Academy Website: https://www.dviacademy.com/ 20% off Discount Code (TDH20) for DaVinci Academy's online video courses for Anatomy, Histology, and Biochemistry available at https://www.dviacademy.com/store YouTube: https://www.youtube.com/c/DaVinciAcademyMed/ Twitter: https://twitter.com/DviAcademy Instagram: https://www.instagram.com/davinci_academy1/ Facebook: https://www.facebook.com/dviacademy LinkedIn: https://www.linkedin.com/company/davinci-academy---dviacademy.com

Sam Zimmerman is CEO and Co-founder of Sagewell Financial. Sagewell is building a banking platform for the needs of folks who are trying to retire and live off their savings and income as intelligently and as well as possible. Chad talks with Sam about deciding what their first product should be and what they would be bringing to market, finding the right partners, and minimizing risk to make a business and a product that works. Sagewell Financial (https://www.sagewellfinancial.com/) Follow Sam on Twitter (https://twitter.com/Ferrum_of_omega) or LinkedIn (https://www.linkedin.com/in/sam-zimmerman-35152a22/). Follow thoughtbot on Twitter (https://twitter.com/thoughtbot) or LinkedIn (https://www.linkedin.com/company/150727/). Become a Sponsor (https://thoughtbot.com/sponsorship) of Giant Robots! Transcript: CHAD: This is the Giant Robots Smashing Into Other Giant Robots Podcast, where we explore the design, development, and business of great products. I'm your host, Chad Pytel. And with me today is Sam Zimmerman, CEO and Co-founder of Sagewell Financial. Sam, thanks for joining me. SAM: Thanks so much for having me, Chad. CHAD: I've been following along with Sagewell Financial for a little while now, given our cross-histories and the fact that we worked with a few companies that you've worked at in the past. So I'm aware of what Sagewell Financial is, but I'm not sure that all of our audience is. So I think a good place to start would be by giving folks a little bit of an intro into what Sagewell Financial is, and then we'll touch on the founding story and go from there. SAM: Awesome. So, in a sentence, Sagewell is building the digital banking that our parents deserve. To expand on that even more, America's retirees are a really interesting and important and powerful demo in American culture at large. There are 56 million Americans on a fixed income. And last year in venture capital, nearly $100 billion went to fund financial technology companies rewriting all of finance. And of that 100 billion or a little under, less than a fraction of a percent went to America's seniors. And so we are trying to build banking from the ground up for the needs of folks who are living on a fixed income who are in their golden years and aren't thinking about that new job or making new money. We're building a bank for folks who are trying to retire and live off their savings and their income as intelligently and as well as possible. And that looks really different than the bank that a millennial or a Gen Z user might have. CHAD: So that's really interesting. Right or wrong, what are the reasons that this historically hasn't been a target demographic for investment? SAM: So the prevailing assumption among venture capitalists was (We're changing that and hopefully changing that quite quickly.) was that retirees aren't open to changing. Beyond that, they're also not technically sophisticated. These folks don't know how to use a phone or aren't open to a bank that might not have any physical branch. They are set in their ways. They're not going to move branch, or they're barely going to watch a new TV show. A lot of folks who are trying to talk...imagining a grandma or a grandpa was really what the venture capitalists are drawing on often when they're thinking about why a senior wouldn't expect to have a bank with all the new features that the millennial might. CHAD: Well, that one is certainly changing, especially as the venture capitalists get older themselves. They probably realize that that's an outdated notion in terms of the technical aptitude or familiarity of that audience, right? SAM: Exactly. And it's a fascinating moment. There are 10,000 boomers who turn 65 each day in America, about 4 million folks each year. And those folks were about 40 whenever the.com boom passed. They've been using email. They have XE and PayPal. And importantly, why we're building this company now is that COVID changed seniors' digital lives more than anyone else. ARP reports how 70% of all American retirees know how to use Zoom and video conferencing software nowadays. Across the stack of digital goods and services, seniors were actually the group that was most moved online. And so, from where we sit as entrepreneurs, we saw a massive market, an exogenous effect creating a disproportionate opportunity. And so we began designing and iterating on and understanding our user to build a product that met those needs with this massive and growing market. CHAD: Banking is a highly regulated complex space. And I imagine from day one you're looking at that and saying, "Well, we might want to do everything eventually, but doing everything is going to be difficult." So what was the process you and your co-founder and the team around you used to decide what the first product should be and what you were going to bring to market? SAM: Our founding team spent almost nine months in user interviews and user research across what one director of finance at Capital One called geriatric finance. We talked to hundreds of folks, and a lot of our assumptions about what the simplest or most low-trust or quickest to use service might be were actually totally turned on their head in a really interesting way. Another reason why venture capitalists aren't so confident you can reach this demo is a couple of companies have come before us, and a lot of them followed, in financial technology, a Mint-like model where you log in, and you share your various bank credentials. They pull your credit card transactions and bank transactions. And one of the really surprising things in our hours of user interviews was that that model was really unpalatable to this demo. They actually thought it was a lot higher trust to share bank credentials than it was to actually open an account. And so we began thinking, what's the highest engagement, most common accessible feature that our demo is familiar with? And that's already broadly online. And let's start there. And the original insight came with a woman she was from Pennsylvania, and we were talking. We built this kind of mint.com-type prototype to try to help imagine banking for her needs without this high trust checking account. And she was like, "Oh." She was aghast that we were even considering asking for her bank credentials. We heard that, and then we said, "All right, no worries, no need to do this product demo." And then she was like, "But I really love Chime, and I really love Chime's checking account." And we were like, "Wait, you have a digital bank account?" And she's like, "Yeah, I love Chime." And it was this moment where thinking about our user, what trust meant to them, what was familiar to them, and what being online meant to them opened the floodgates and helped us really understand this user and what that first product needed to be. And so our initial product is a checking account. It's got a variety of senior-specific features around and enabling it. And it's built incredibly excessively to be available to folks who use technology in all sorts of ways. But we started with the basics because that's what our members are most familiar to and most expect. CHAD: So you say in the fine print on the website that Sagewell is a financial technology company and not a bank, and your banking services are provided by a partner. What was involved in actually bringing that online, finding the right partner, implementing the features? What did that look like? SAM: Yeah, it is an incredible time to be building any sort of banking in America around the world. So to that point earlier, $100 billion was pumped into financial technology companies. And so as a result, there are so many companies and so much innovation happening in banking and fintech broadly. And so starting and figuring out what vendor to work with was actually what our strategy from a banking and regulatory perspective was. And in turn, what vendors and in-house technology we needed to build was one of the hardest initial challenges that I've ever had to face in building a company. It is still, despite what many...you'll see a lot of ads, you know, "Have a card online in minutes." It is still in today's day and age quite an achievement to build banking and get it online, and servicing your customers in a scalable and sustainable way. And so we spent a lot of time early on in the architecture and vendor selection process and product strategy process thinking about what vendors to go with; what we were going to build in-house. And before ultimately breaking ground about three months after we began, we set the product itself, which was going to be a checking account for retirees. CHAD: What were the factors that went into choosing the partner that you ultimately chose? SAM: Beyond your standard enterprise vendor selection, we wanted to make sure that it was secure, and we wanted a specific set of features. In our space, there are about six different companies that provide what's called Banking as a Service technology. And so that was one of our key vendors is the technology company that works with the bank to allow us to open checking accounts, fund accounts. And most of those companies have been around for only a few years. And so their products themselves are hardening and being built. And about $200 million I would say has been invested in those companies last year. And so we wanted one that was well-capitalized. We wanted one that had not had any IT security issues. We wanted the underlying bank to be aligned in our mission. Retirees have a variety of specific financial needs. A lot of our product development involves working very closely with the bank. And so, we needed to make sure that the bank itself that they worked with was on board. And lastly, we talked to other customers, and that was ultimately the most valuable thing in our experience and not just the customers that they refer you to but the customers who have left for one reason or another. Those were the major factors that we chose in our Banking as a Service provider. And then, beyond that, that's one piece of the puzzle. In our bank tech stack, we're looking at around 15 different partners across all parts of banking. And that's the largest and most important one. And those were the criteria we used to select. CHAD: I often say when I'm looking at building a product or service, and we look at those integration points with external vendors, it is one of the riskiest parts of building a product because you're not in control of it. So from a business perspective, it's risky. But also, from a technology perspective, that's where estimates can get out of whack. And things can work not like you're expecting or like the documentation said or just surprises crop up along the way. Or when something goes down, your product is broken. And your entire product [laughs] basically is built on those vendor relationships. So, how do you minimize that risk and work in that environment to make a business that works and a product that works? SAM: [chuckles] I suppose the answer is with a lot of prudence, thoughtfulness, and care at a high level. CHAD: [laughs] SAM: I was actually just talking with a CTO friend of mine just talking about how in a lot of startups, one of the skills that I most ask of engineers and engineering leaders early on is vendor selection and how I hadn't seen an interview process that really helped get at that. It's a core part of a lot of technologists' jobs and particularly a lot of engineering folks' jobs. The API docs looked good but did he test it or evaluate it? Was there a third-party tool you could have used instead of building in-house? Those are the sort of questions that a lot of times early-stage startups are answering all the time. And I had yet to see an interview that got at that. So it's a really shrewd point and one that I hope that as technologists and particularly early-stage startups become more about really going deep in one area and then leveraging third parties elsewhere, I hope that we start actually hiring and developing criteria to do that with the people that we assemble. I think the first part what I would say is we described a little bit about the risks. We went through a risk mitigation exercise, which smells very enterprise-y. It's kind of the sort of thing that you would expect exists in some massive waterfall with a Jira board mainframe computer but just listing like, here's this integration. If this were to happen, what would we do? If the API went down, what control do we have, or how could we minimize the impact on our customers? That exercise across some of our biggest integrations helped us select and take on the risks we wanted and avoid the ones we couldn't. So there was a lot of conversation about the sorts of failures we could put up with and how we could put up with them, and the sorts of failures we couldn't. And then really testing for the ones we couldn't to make sure that we were making as good a choice as possible. Despite that thoughtful answer, it was the best we could do. I would say that, particularly in a space that's as fast-moving as Banking as a Service, I would say that a lot of it is still that soft skill, that relational conversations with other teams and folks and whether you trust the team that you're trusting to execute and build what they said they're going to build and that hiring skill but also a good bit of luck as well. CHAD: So correct me if I'm wrong, but up until Sagewell, where you're CEO, you had been CTO of the other companies that you founded and worked at. Is that right? SAM: Yeah, that's correct. CHAD: So, what has the change to being CEO instead of CTO been like for you personally? And was that choice clear from the beginning with Sagewell? SAM: So far, it's been incredibly rewarding. I would say in between startups; I actually volunteered at an organization called PathCheck. And while my title was CTO, the scope of that included partnerships, vendor negotiations, CISO exercises, product. It was a pretty expansive CTO role. And I found myself really energized by the breadth and the ability to work with even more really talented, thoughtful experts in their own domain and empower them to do more. And so I knew in my next role, I wanted more of that breadth. There's an essay that classifies folks as foxes who can do a little bit of everything or hedgehogs who can do one thing really well. And I'm a super fox. [laughter] I love doing lots of things. And so CEO to me is just like an opportunity to...it's maximizing breadth and maximizing difference of experience. And I transitioned, I'd say, from a normal CTO role to a beefy CTO role to making CEO a pretty natural step from there. CHAD: And your co-founder is named Jeff Wright, and he's the COO. How did you meet him and get started with Sagewell? SAM: Jeff and I, it's been wonderful. I was trying to figure out how I was going to get engaged in pandemic work in April of 2020 after leaving my last startup while it was being sold to Capital One. And I was talking with a founder friend of mine, a guy named Ty Harris, who is the CEO of an Insurtech company called Openly. And he was previously the CTO at Liberty Mutual. And Ty and I had a couple of lunches and conversations, and I was talking to him about how it is getting involved in COVID stuff and how I was ultimately my species as an entrepreneur, and I was going to be building something again. And he connected me with Jeff, and Jeff and I touched base quickly in April. And it was a little bit like a frog in the pot sort of situation where it started like, yeah, maybe we could build a company. Let's riff on some ideas and see what's out there. And it was a really, really natural progression from August to a couple of evenings, maybe a Saturday call or two, to most evenings and definitely a Saturday to oh, man, when should we transition? CHAD: You were both working full time on other things at the time. You were working with PathCheck. SAM: Yep, exactly. And so he was the CPO at a company called Plymouth Rock, and I was working at PathCheck. And not to go into PathCheck's story too much, but PathCheck was largely deploying a research technology, the Google and Apple Exposure Notification protocol. And it became clear that most of the states that were going to do anything were already going to do it. And so, it was natural to start thinking about what was next in August and September. And so, as my species does, that then became the night and weekend project to figure out what's next. CHAD: So you mentioned that this is a space that is typically not strongly funded. So was that a challenge for you as you were getting started? How did you get that initial, you know, where did your initial funding come from? And I know you recently raised, at least it was announced, 5.3 million in January. So what was the transition from those early days? Where did the funding come from to ultimately getting the investment in this last round? SAM: Jeff and I worked in the fall of 2020, met our CTO, Chris Toomey, in November actually from connection through a friend. Early on, we were a team with a demo. We really knew that we cared about seniors, and our background is in financial services. We were trying to think of a new product for seniors and so a financial product for seniors. And so, around January, we sharpened our pencils on the user research side of things and the product side of things. And once we had a clearer sense of the product direction we wanted to take, ultimately building banking for retirees, we began the fundraising process. CHAD: So were you essentially self-funding at that point? SAM: Yep. So we were self-funding from January-ish till May. I find that skin in the game to be… I wish I was the sort of founder who could think about flawless ideas without a little pressure. But in my experience, it's actually been where unless I jump in, unless I can have a little bit of pressure, my ideas aren't often as refined as I'd like. And so Jeff joined it full-time in February. And then we fundraised through April, closing a 1 million pre-seed, which is pretty common in fintech. Most financial technology companies the banks won't talk to you until you have at least a million dollars in funding. And so we raised the money we needed from...and who did the money come from? It came from Point Judith Capital, who actually had invested in Ty, the guy who connected us, with his company Openly. So we had our initial conversation with David, who's been absolutely wonderful at Point Judith Capital. And also, Jeff and I knew that innovating for a vulnerable population, ultimately retirees, meant that we wanted to have folks from the beginning who represented the seniority and seriousness with which we are taking our work. And so the second investor who in between the two of them took most of that million was Crossbeam and Raj Date at Crossbeam, who's the former Deputy Director of the U.S. Consumer Protection Bureau. We really wanted folks around the table who knew what innovation looked like and fintech innovation like David, as well as folks who understood the world of government and finance like someone like Raj to innovate thoughtfully with this demo. CHAD: Was it difficult to get those funding rounds? SAM: The first one? Yeah, the first one was about two months. I thought it would have taken about a month. The second one the market is pretty crazy right now. And I would say between my first company and my second, it used to be that you'd set aside six months to fundraise, and so I'd prepared for a six-month fundraise. Started kind of in early October two weeks in, and they were like, "Wow, you've already been in the market for two weeks?" [laughter] And I was like, what? I was totally off base in terms of what was the new normal. Ultimately, that round came together in about a month and a half as well. And so we had a lot of interest. The second round that 5.3 million went from not a ton of interest to tons of interest and lots of folks around the table and having to push folks out or turn folks down pretty quickly. The first round, I would say for a pre-seed, one to two months given that the idea was hardening, sounds about right. The second one was about one to two months but was a little...a lot of people would get excited by the market; they'd get excited by the team. And then they'd say, "You can't get a senior to open up a bank account," and then they'd come back. And then we found one believer alongside David and Raj, who had been with us. And once we got the folks at 25Madison and Merrill, especially, the rest of the round came together really quickly. Mid-roll Ad I wanted to tell you all about something I've been working on quietly for the past year or so, and that's AgencyU. AgencyU is a membership-based program where I work one-on-one with a small group of agency founders and leaders toward their business goals. We do one-on-one coaching sessions and also monthly group meetings. We start with goal setting, advice, and problem-solving based on my experiences over the last 18 years of running thoughtbot. As we progress as a group, we all get to know each other more. And many of the AgencyU members are now working on client projects together and even referring work to each other. Whether you're struggling to grow an agency, taking it to the next level and having growing pains, or a solo founder who just needs someone to talk to, in my 18 years of leading and growing thoughtbot, I've seen and learned from a lot of different situations, and I'd be happy to work with you. Learn more and sign up today at thoughtbot.com/agencyu. That's A-G-E-N-C-Y, the letter U. CHAD: Given that you were able to put together a round quickly, how do you decide ultimately not to take even more money? What are the factors that go into deciding how much you're trying to fundraise and how big the round is going to be? And is there pressure as you're doing that to maybe go even bigger? SAM: Yeah, we had, I would say maybe seven and a half million dollars interested. And ever since we've closed, we've had multiple firms who are interested in a new round of capital. The market is really, really quite founder-friendly right now. I think ultimately, for any founder, what you're trying to do is create as much value with as little capital as possible. That's ultimately the game that you're trying to play now. For a little baby company, it's often really hard to figure out how much money or how much value you'll be able to create over what amount of time. There's so much to figure out. There are so many bets and learnings and risks that it's often very hard for a company to say, with $5 million, I'll create $20 million in value. So ultimately, if you're a founder, you're incented to give away as little of the company as possible and create as much value from that. And so when we were doing our modeling, we actually thought that it was somewhere closer to four of what we needed to create the amount of value needed to raise our A. And we ultimately bumped it up to 5.3. And there's a good bit of advice you hear a lot among founders that raising a bit more than you think is prudent, and anyone who has managed a budget knows how that can go. So we ultimately did go up to 5.3. But taking more would have meant that we were paying a premium where we could get that million dollars maybe in a year's time, and we'd be giving away a quarter-point or a half a point of the company for that million where we might be giving away 1% or 1.5% of the company now. So it's all about creating as much value with as little money as possible. And it's easy to get lost in the big rounds and the big numbers. But ultimately, it's pretty simple math. CHAD: And correct me if I'm wrong, and this is a question as much as a statement. So to reiterate, the rounds you're talking about are seed rounds. And so traditionally, what that means is that the majority of work that you have to do is just making the product. But in the space you're in, there is a point in time where you've made the product, and you've shown the traction, so what you have becomes more valuable. And so it might be that the next round, which is maybe a Series A, a significant portion of that capital would be spent on something else like marketing or sales teams and that kind of thing. And you're growing beyond just the product development at that point. Is that how you're thinking about this, or am I wrong? SAM: So it's funny that it's really changed the names. The round size what they mean has changed more in the last two years than ever before, and I would say that, particularly in fintech, because fintech has a number of unique challenges. So I would say that that $1 million round that we raised in May that was really about building a very basic product, a very truly minimally viable acceptable product. And then the seed round in fintechs is often about getting to product-market fit or just demonstrating you can reach your end consumer or target user. In fintech, it's often not quite as much tied to a certain amount of revenue at that stage. It's often about just demonstrating that you can get to that user, and that's because, in financial technology, the cost to acquire is often quite high. And so for a company that only has raised, say, a $5 million pre-seed because of the gravity, because it often costs hundreds sometimes thousands of dollars depending upon the market to acquire a specific user, the math is such that you're just not going to have that many users, and you're not going to be able to get to a certain amount revenue. And so often in fintechs, 1 million gets you...that pre-seed gets you that initial product. The seed is about demonstrating that you can scalably get to that end user. And then the series A is really about blowing that out and starting to exploit that marketing and acquisition machine that you've been building to start creating revenue. That's a little bit industry-specific. Other industries will have similar or different terms. And depending upon what sort of branding a firm might want for the round, you also might hear $100 million pre-seed. You hear those things as well. It's a crazy time to be building a company. CHAD: So you mentioned Chris Toomey, who's the CTO of Sagewell, and he was previously at thoughtbot. As a prior CTO, what were some of the things you looked at in terms of finding Chris and deciding he was the right one to join your team as CTO? I imagine your standards were pretty high. SAM: Yeah, and Chris met them quite happily. As a CTO transitioning to CEO, I think you have to understand your strengths and weaknesses as a CTO as well as the learning curve that you might have stepping into your new role as a CEO. And I would say that one of the fortunate things is that Jeff, my co-founder and COO, we actually have a pretty unique set of skills that can span a lot of different domains. And so I would say that looking at Jeff, Chris, and myself, we really had to make sure we had our bases covered to build the financial and technology product we needed. I would encourage folks building a company early on to really think about your strengths and weaknesses, your founding team's strengths and weaknesses. And as I was getting to know Chris, kind of the initial handshake agreement starting to build and prototype various solutions, I think that I was particularly impressed and looking for someone who was willing to have a deeply experimental and MVP mindset while managing the risks of working with a vulnerable population. And so over the course of December through March or April, in dealing with and spinning up a couple of different prototypes with radically different product strategies and end products, I was able to see how Chris was able to be mature and shrewd about where he could cut corners, where he couldn't cut corners and then execute accordingly. It's funny, Chris and I were talking at our one on one a week or two ago. As a CTO, I know a little more of what's possible. I know if I come in and say, "I want the Taj Mahal," I know you'll get walked back down. Chris and I over the past year...I often come to Chris, having already teared down my Taj Mahal. And I'm like, "Well, Chris, what I really need is one little specific problem." And Chris and I actually set a goal between us that I actually kind of come to him asking for the Taj Mahal next time [laughter] or not next time but sometime in the next year. Because I think one of the things I've had to check or do in CEO is let Chris do CTO's job and not internalize all the time his voice and concerns but actually put forth a vision and not be afraid about the fact that it isn't something that we can get to market in a week or that we can't ship in three or four weeks' time, which is an interesting contract that I think we've developed and an interesting growth area. And it's my job to throw out bigger ideas, not to be the one who tears them down all the time, which is fun, and I enjoy doing that with Chris. CHAD: Yeah, that's an interesting perspective. And I often even working with clients and consulting want that because if you're only getting the small pieces all the time, you cannot be privy to the big picture of what we're aiming for. And that will often lead you to maybe not taking everything into account, either that's on the roadmap or down the road. Or realizing, oh, you're disappointed now, but that's because I didn't know that you wanted to do this. If I had known, then we could have done this in a different way or something like that. And so, getting a sense of that big picture is often important. SAM: Yeah. And it's a fun, I'd say...yeah, and growing with Chris and figuring out that he's the right person for the role as a CTO turned CEO means kicking off the ladder and actually just stepping into my role and letting him do his, which has been a fun contract to establish. CHAD: So, did you work with Chris as a contractor before committing to him as CTO? SAM: Yeah, we were in a consulting relationship. I think Chris was politely under billing. And the pretext is always that this was something that we were really aiming to build a company together, assuming everything worked out across Chris, Jeff, and I. And so, he did start in that capacity. And then I'm trying to remember the exact timelines. Sometimes the paperwork is well after the actual agreement whenever you're creating these companies. But in a few months' time, definitely by July and probably by May, we were building the company and off to the races. CHAD: Now, is that a path that you would recommend to other founding teams looking for a CTO is to not commit early to really make sure that you work well with someone, maybe through a contracting relationship first? SAM: Yeah, I think ultimately, if you're going to be going on a journey, a decade long journey, a lifetime-long journey, through highs and lows, I think the best way for everyone to know what they're getting themselves into, the excitement, and the reward, and the aches, and the pains and the sleepy [inaudible 33:31] in the morning is by working together, and I don't think there's a shortcut. In this case, it depends a lot on the situation. It depends if folks are in a position where they cannot take pay. It depends on whether nights and weekends are free or they have flexibility in their other roles. But generally speaking, I think that ultimately, you're trusting, and your founding team is going to be taking so many risks together that you want to go in as eyes wide open as possible and have removed as much founding team risk, disagreements, misaligned working styles, misaligned visions, or preferences as possible. My coach used to say that that's the number one reason why companies at the seed stage fail is management teams and founding teams. And so as you're thinking about building your company, and I can't emphasize this enough, mitigating and removing founding team risk, however possible, with consulting being one of them and navigating a tough conversation or two being another, is absolutely core to removing as much risk as possible for your startup. CHAD: That's great advice. And just like you and Jeff had a time of working together before you actually started a company together, I think it's great advice to try to find ways to do that with other early members of the team too because it's a big commitment, and you want to make sure that you get it right. SAM: Exactly. CHAD: Well, you've reached sort of the pinnacle of having now someone on your team that used to work at thoughtbot. I think I'd be remiss if I didn't point out that we have another podcast at thoughtbot; it's called The Bike Shed. And Chris started as a host on that show while he was on thoughtbot, and he continues that to this day along with Steph Viccari, who's a team lead at thoughtbot. And so if people are interested in hearing about Chris' work now at Sagewell and following along with the team and the work that he's doing there as well as the work we do at thoughtbot, people can check that out at bikeshed.fm. Sagewell is not a client of thoughtbot. But you've worked with thoughtbot before as a client twice, right? SAM: Yeah, exactly, both at my first company Freebird, which was sold to Capital One, and at PathCheck, the non-profit I worked at. CHAD: So you specifically, I assume, then made an effort to recruit from thoughtbot when you started Sagewell. [laughs] SAM: I would say I know and love the way that thoughtbot approaches building software. And I know and love the people that I've worked with from thoughtbot. And I would say that it was as much a feature of being in the same communities as it was specifying a specific group. But you guys have created a great culture. [laughs] CHAD: I'm just kidding. I didn't actually think that that was the case, but I can guess a lot of the benefits of working with someone who's worked at thoughtbot before because of the level of experience and the level of skill and communication and everything that people at thoughtbot have. But I'm curious, what if I turn that around? Is there a downside to hiring someone who worked at thoughtbot previously to your team? SAM: So one of the things that I love about, particularly early on, we have a hire that we just made recently. She worked at a senior living facility for four or five years and then worked at Wells Fargo for four or five years. And before, we had a bunch of fears, and this new employee listed five or six totally different fears than we ever would have thought of. And so now we have way more fears. And part of that can be unnerving, and part of that can be challenging. And I would say that one of the challenges of working with a team that builds software in such a clear culture is that you might not get all the fears. You might not get certain sorts of diverse perspectives or headaches because of a particular way that product and engineering are conceived. And so one risk...it's kind of the unknown-unknown sort of situation, but it's real in startups which is I think that making sure you have diverse perspectives across the domains where you need to be deeply an expert for folks who are very similar to you is a major risk. CHAD: That's great. Well, Sam, thanks for stopping by and sharing with us. I really wish you and Sagewell and the entire team all the best. SAM: Awesome. It was wonderful talking. CHAD: And if folks want to find out more about Sagewell Financial or follow along with you or get in touch with you, where are all the best places for them to do that? SAM: sagewellfinancial.com is our email. And if you or your parents are interested in what we're building as a customer or a member, you can sign up there. If you'd like to reach me, I'm mostly on Twitter following cute animals and occasionally a good tech post @Ferrumofomega. And if you'd like to contact our company, you can just go to /press and fill out the form there. CHAD: Awesome. And you can subscribe to the show and find notes for this episode along with a transcript of this episode and all past episodes of this season at giantrobots.fm. If you have questions or comments, email us at hosts@giantrobots.fm. And you can find me on Twitter @cpytel. This podcast is brought to you by thoughtbot and produced and edited by Mandy Moore. Thanks for listening and see you next time. ANNOUNCER: This podcast was brought to you by thoughtbot. thoughtbot is your expert design and development partner. Let's make your product and team a success.

This week's remedy is Ferrum Phos. Learn all about why we associate the keywords "Blood Loss & Weakness" with this remedy. We will share an honest look into the remedies we have used in our home this week and I will also share how the philosophy of Minimalism has changed my life. Feel free to reach out to me with any questions or comments at honesthomeopathypodcast@gmail.com. I would love to hear from you and for us to journey together! This episode is sponsored by Anchor: The easiest way to make a podcast. https://anchor.fm/app https://www.becomingminimalist.com/ https://www.theminimalists.com/lessisnow/ --- Support this podcast: https://anchor.fm/honest-homeopathy/support

Ferrum Phos - Iron phosphate: DAY 4THE most used of all cell saltsDeals with inflammation FeverBeginning of cold, infection, blood infectionsBlood remedyCarries oxygen to all cells of the bodyChildren with nosebleeds Adults beginning of cold - slightly feverish, headachey, scratchy throat, not sure what's going down but coming down with something.Low-grade fever After a heavy period - anemic, exhausted, run downHemorrhage Post-surgery if blood lossBleeding fibroids 6x 3xqd  Hoarseness, sore throatsTalking too much - raw, scratchy sore throat In 2nd and 6th months of pregnancy for oxygenation of blood