Podcasts about fofa

Canadian hockey fans in Montreal booed the American national anthem on Saturday night… then the Americans came out fighting mad and beat team Canada 3-1. FOFA.  Candice states that the anti-Americanism sweeping Canada right now is a mere distraction – designed to pit Canadians against our American friends and allies rather than focusing on how the Trudeau Liberals broke our country.   On today's episode of the Candice Malcolm Show, Candice is joined by True North crime reporter Alex Zolton. They discuss the Trump tariffs and butt heads over the validity of Trump's claims about fentanyl coming from Canada. They also discuss Mark Carney's claims that he's a globalist and elitist and the latest polls showing that Pierre Poilievre's Conservatives maintain a significant lead over the Liberals – even with Carney leading the party.  They also discuss the deranged reaction from legacy media journalists to Candice's recent interview with Pierre Poilievre, and Alex's latest reporting on a lawsuit to stop the prorogation of Parliament.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Wayne S Pierce - FacebookNew West Radio ProductionsEmail: newwestradioproductions@gmail.comArticles:History of Artificial IntelligenceProject Blue Beam - RationalWikiUnidentified Flying Objects and Air Force Project Blue BookProject Blue Beam - FOIA (c)2024 New West Radio ProductionsBecome a supporter of this podcast: https://www.spreaker.com/podcast/new-west-radio-productions--3288246/support.

Programa: Conversa entre amigos Apresentação: Jeremias Netto @jeremiasnetto Convidada: Juliana Alves -Conhecida como Fofa Alves Instagram: @fofaalves YouTube: @FofaAlves

Os Pequenos Marqueses em Oeiras

If it's Thursday Night, it's not Martin and Living Single, but it's the definite vibe from the Shred Head Podcast!We dig into the National BABIG, BIG, Festival of Fine Aunties Update as we move from Round 1. Some of YOU are the cretins of the week. But with the clumsiness of the voting process in the FoFA, Krang and Saki name themselves Cretins as well. Support this podcast at — https://redcircle.com/the-shred-head-podcast/donations

Episode Guide: 0:00 Boot Girl updates/Thotumn check in 6:00 We are Community Builders!  10:00 Taylor Swift inspiring us all, how she made Travis Kelce famous, dating outside of your type, Eras concert movie 18:40 The Thotumn Witch Trials 20:00 Justin Timberlake 23:15 Jada Pinkett Smith 27:30 Joe Jonas (Jonas Brothers Concert Review) 30:30 Austen Kroll/Taylor Southern Charm 35:00 Khloe Kardashian 39:00 Usher selected as Halftime Super Bowl Performer (featuring Black Eyed Peas) 43:15 Dancing with the Stars 45:25 Destiny's Challenge (THE MOST IMPORTANT SEGMENT)  Back-handed compliments FOFA! (fear of feeling awkward) Break ups Working and networking as a bit Refueling/ protecting your social battery Being your own star player

Solteiros, quem são, onde vivem, o que fazem, do que se alimentam? Enfim, 4 solteiros de valor e muito conteúdo aqui neste Artesanias falando sobre o lado A e o lado B de ser unitário nesse mundo de meu Deus. Participantes do episódios Alcino Junior (Instagram: @oalcinojunior) Yane (Instagram: @yanevisse) Meiri (Instagram: @meiriellenrodrigues) Jaqueline (Instagram: […] O conteúdo de Solteirice Fofa – Artesanias 18 é uma produção do Bibotalk - Teologia é nosso esporte!.

Não foi fácil para Juliette sobreviver ao furacão que sua vida se tornou depois do “BBB21”. Tudo bem que ela saiu com o prêmio de R$ 1,5 milhão, um exército de fãs e uma carreira de cantora engatilhada. Mas também precisou entender muito rápido uma vida completamente diferente, com milhões de seguidores atentos e um turbilhão de compromissos. “Eu chorava. Ia fazer publicidade e ficava: ai, meu Deus, o que eu faço?”, contou, ao participar do g1 Ouviu ao vivo. Mas a fase de fragilidade passou: ela aprendeu a respirar, a se portar no palco e ficou mais confiante. Agora, diz que quer deixar para trás a imagem de “fofa e vulnerável” com “Ciclone”, seu álbum de estreia, que tem parcerias com João Gomes, Marina Sena e outros nomes grandes do pop. Na entrevista, Juliette falou sobre o conceito do disco, lembrou o processo de criação das músicas e refletiu sobre os caminhos que percorreu desde a saída do “BBB”.

Fofa demais a trilha de (500) Dias Com Ela dando o clima deste episódio. Tem ainda TOP 5 de comédias românticas e da carreira do Joseph Gordon-Levitt, o absurdo que é Casamento às Cegas e minha nova paixão Os Horrores de Dolores Roach.

O natal fora de época! Até porque se a Coreia lançou esse filme fora da data comemorativa a gente também vai fazer um episódio fora de época. O episódio do MDUD de hoje é pra falar de Switch, filme sul-coreano remake de "O Homem de Familia" lançado nos anos 2000. Aposto que você vai se apaixonar por essa família! Aproveita e une a sua pra ver no sofá! Medo de spoiler? Sem problemas! O episódio é dividido entre parte sem e com spoiler, e a gente avisa! Fica tranquilo. Siga a gente no instagram: @memoriasdeumdorama Músicas indicadas nesse episódio: Lud: Si Fueres Mia - Kyungsoo Babi: Just as usual - EXO

Tenho Uma Ex é um podcast, em primeira pessoa, que conta diversas histórias curiosas envolvendo alguma ex. Apoie o Tenho Uma Ex: https://apoia.se/tenhoumaex Envie sua história para tenhoumaex@gmail.com

A Fofa PoliFônica, Stefan Christoff mix https://afofapolifonica.webradiosite.com Broadcasting daily for a week, Thursday 20-27, daily at 2pm est. 01. Anarchist Mountains @anarchistmountains - Anarchist Signals 02. Anarchist Mountains - A Lighthouse at Night 03. Julia E Dyck @ghoultalk - Warp (From A Silver Moon X) 04. Stefan Christoff - A silver digital glitch (From A Silver Moon X) 05. Anarchist Mountains - Moving a Dimension 06. Rêves sonores - Hearken (feat. @nickschofield) 07. Stefan Christoff - Did I see you in that dream on the plains in another era (From A Silver Moon X)

On this episode of AFP Interviews Devang Desai is joined by his former EA Sports co-worker Chu Morah. The two friends caught up and discussed the rise of the EA FIFA franchise, FIFA Ultimate Team and Major League Soccer's investment in to esports.Have you joined Patreon? Get ad-free episodes and access to discord: https://www.patreon.com/afootballpodcastFollow @AFootballPod on Twitter! While you're there say hello to @DesaiDevang, @EmpireGass and @SeanKeay.If you enjoyed today's show, please rate A Football Podcast 5-Stars on Apple Podcasts. See you again next week for an all new AFP.

Temas enviados pelos livres num pedido relâmpago no insta. Obrigado.

Análise de Cenários - SWOT, PFOA ou FOFA

Programa 406: En esta edición les presentamos una experiencia publicada en la página web de Minghui titulada "Atesora FOFA y renuncia al apego del tiempo", por una practicante de Falun Dafa en China.

Neste episódio, a jornalista Giuliana Girardi conversa com Miguel, entregador que resgatou a cachorrinha na rua, e hoje faz sucesso nas redes sociais.

O que vocês ouviram essa semana? O que foi lançado no mundo do rock? Nosso time traz aquilo que encheu os seus ouvidos para a mesa. Carnaval fora de época, mas que mostra a força das ruas em proposições politicas e populares. O cancelamento de blocos por muitos estados e municipios, foi apenas para conter protestos generalizados? STF e governo voltam a se chocar, por conta de Daniel Silveira, condenado pelo supremo, Bolsonaro solta decreto de indulto liberando deputado de cumprir sentença. Afinal, nessa briga, quem esta certo ou errado? A aposentadoria de Angeli, grande cartunista brasileiro que irá diminuir sua atuação por conta de uma doença. Mike Tyson fica puto com fã pentelho e distribui socos em pleno vôo, atitude correta? O limite do assédio foi ultrapassado? Gene Simons está com o nobre pugilista, é preciso impor limites, sejam eles em caráter violento. Napalm death foi amplamente criticado após foto de Shane Embury com uma das camisetas mais fofas produzidas pela banda, o metaleiro porradeiro não admite qualquer fofura? A moda no merchandising dita os ganhos da banda e tem capacidade de sustentá-las com públicos variados? Carnaval fora de época, mas que mostra a força das ruas em proposições politicas e populares. O cancelamento de blocos por muitos estados e municipios, foi apenas para conter protestos generalizados? STF e governo voltam a se chocar, por conta de Daniel Silveira, condenado pelo supremo, Bolsonaro solta decreto de indulto liberando deputado de cumprir sentença. Afinal, nessa briga, quem esta certo ou errado? A aposentadoria de Angeli, grande cartunista brasileiro que irá diminuir sua atuação por conta de uma doença. Mike Tyson fica puto com fã pentelho e distribui socos em pleno vôo, atitude correta? O limite do assédio foi ultrapassado? Gene Simons está com o nobre pugilista, é preciso impor limites, sejam eles em caráter violento. Napalm death foi amplamente criticado após foto de Shane Embury com uma das camisetas mais fofas produzidas pela banda, o metaleiro porradeiro não admite qualquer fofura? A moda no merchandising dita os ganhos da banda e tem capacidade de sustentá-las com públicos variados?

No meio da tarde cai muito bem uma panqueca doce e fofinha, quentinha. Esqueça essa ideia de que panqueca é difícil, dê o play aí e você vai ouvir que não é, e que rapidinho a gente pega o ritmo de panquequeira e sai dançando de tanta felicidade. Ajuda muito se tiver uma frigideira antiaderente e só. O recheio pode ir até onde sua criatividade e fome consegue alcançar. Aperta o play em mais um episódio da temporada "O que tem pro lanche", do podcast Cozinha da Matilde em parceria com a Rádio Tertúlia. ::: Esta receita da cozinheira Letícia Massula está disponível em texto em http://www.cozinhadamatilde.com.br, mas você pode recebê-la diretamente no celular pelo grupo de whatsapp (bit.ly/368exFx) ou canal do Telegram (t.me/cozinhadamatilde). Os episódios são publicados de segunda a sexta-feira. FICHA TÉCNICA - Roteiro e apresentação: Letícia Massula. Coordenação e edição: Beatriz Pasqualino. Sonoplastia: Lua Gatinoni. Produção executiva: Camila Maciel e Raquel Júnia. Artes: Cláudia Regina. Idealização: Letícia Massula e Beatriz Pasqualino. Contato: atendimento@radiotertulia.com.br

The boys talk Kyrie, the new movies Lamb and No Time to Die, the netflix show Clickbait, and much more!Featured Music: Bella Legosis Dead by Bauhaus and FOFA by Zack Fox

Porque usamos petit nom nas relações amorosas? Aviso: esta edição está repleta de "amorzinho", "fofinha", "querido", "amor" e até alguns "mor". See omnystudio.com/listener for privacy information.

Faaaaaala galera, blz? No episódio de hoje as corujas tem uma conversa sobre Root, lançado no Brasil pela @meeplebr. Vagabond deveria ser traduzido como Vagabundo mesmo? A folha da ervilha também é vagem? A aliança da floresta é a CUT de Root? Esses e muitos outros causos.

A bebê mais fofa do mundo e Felipão perto de acertar com o Grêmio.

Nucleus Wealth's Head of Advice Tim Fuller, Head of Operations Shelley George, and Associate FInancial Adviser Christopher Whaler dive into the art of financial adviceView the slides: https://nucleuswealth.com/wp-content/uploads/2021/02/Art-of-financial-advice.pdfOn the agenda:When do you need advice?What can advice offer you?What is the process for advice?What options are there for advice?Why pay for ongoing service?The evolution of advice has begun!To listen in podcast form click here: https://nucleuswealth.com/podcasts/?utm_source=youtube&utm_medium=direct&utm_campaign=podcastGet an obligation-free portfolio recommendation to see how we would invest for you: https://portal.nucleuswealth.com/register/?utm_source=youtube&utm_medium=direct&utm_campaign=podcastLearn more about the hosts: https://nucleuswealth.com/people/?utm_source=youtube&utm_medium=direct&utm_campaign=podcastFind us on social media: https://www.facebook.com/NucleusWealth/ https://twitter.com/NucleusWealth https://linkedin.com/company/nucleuswealth Nucleus Wealth is an Australian Investment & Superannuation fund that can help you reach your financial goals through transparent, low cost, ethically tailored portfolios. To find out more head to https://nucleuswealth.com/?utm_source=youtube&utm_medium=direct&utm_campaign=podcast. The information on this podcast contains general information and does not take into account your personal objectives, financial situation or needs. Past performance is not an indication of future performance. Damien Klassen and Tim Fuller are an authorised representative of Nucleus Wealth Management. Nucleus Wealth is a business name of Nucleus Wealth Management Pty Ltd (ABN 54 614 386 266 ) and is a Corporate Authorised Representative of Nucleus Advice Pty Ltd - AFSL 515796#financialadvice #stockmarket #investing

Qual a coisa mais fofa do mundo --- Support this podcast: https://anchor.fm/taiguaratorro/support

Míriam Castro, também conhecida como Mikannn, trabalha no Youtube falando de entretenimento. Foi minha parceira por anos em vídeos de Game of Thrones. Nesse papo falamos de onde vem esse apelido até os traumas que trabalhar na internet proporcionam. Em OFF, todo mundo fala a real. TODA SEGUNDA ÀS 19H -- Segue no Insta ➡️ http://bit.ly/offinsta Twitter ➡️ http://bit.ly/offtwitter E temos o site também com todas as obras citadas em cada episódio ➡️ https://offcarolmoreira.com #OFFCarolMoreira

Instrumento de gerenciamento estratégico de Marketing.

The landscape of the financial advice industry has changed rapidly over the past decade, meaning major changes for clients and advisers alike. To unpack the changes, what these mean for clients and advisers, and what the future of financial advice looks like, we've brought Tristan Scifo and Harry Goldberg from Purpose Advisory onto the panel alongside Dr Jeffrey Scott, head of advice strategy at Metlife.In today’s investment webinar, Nucleus Wealth’s Head of Operations Shelley George, Head of Investments Damien Klassen, Head of Advice Tim Fuller and our panel of Financial Advisers dive into the Future of Financial AdviceView the webinar slides here: https://nucleuswealth.com/webinars/the-future-of-financial-advice-with-purpose-advisory-and-metlife-nucleus-investment-insights/A terrific show to help our listeners get more understanding about the past, present and future of financial advice, and some great insights into how advice can be of use across all ages.You can find Tristan and Harry here: https://purposeadvisory.com.au/And contact Jeffrey directly here: Jeffrey.Scott@metlife.comTo listen in podcast form click here: https://nucleuswealth.com/podcasts/?utm_source=youtube&utm_medium=direct&utm_campaign=podcastGet an obligation-free portfolio recommendation to see how we would invest for you: https://portal.nucleuswealth.com/register/?utm_source=youtube&utm_medium=direct&utm_campaign=podcastLearn more about the hosts: https://nucleuswealth.com/people/?utm_source=youtube&utm_medium=direct&utm_campaign=podcastFind us on social media:https://www.facebook.com/NucleusWealth/https://twitter.com/NucleusWealthhttps://linkedin.com/company/nucleuswealthNucleus Wealth is an Australian Investment & Superannuation fund that can help you reach your financial goals through transparent, low cost, ethically tailored portfolios. To find out more head to https://nucleuswealth.com/?utm_source=youtube&utm_medium=direct&utm_campaign=podcast.The information on this podcast contains general information and does not take into account your personal objectives, financial situation or needs. Past performance is not an indication of future performance. Damien Klassen and Tim Fuller are an authorised representative of Nucleus Wealth Management. Nucleus Wealth is a business name of Nucleus Wealth Management Pty Ltd (ABN 54 614 386 266 ) and is a Corporate Authorised Representative of Nucleus Advice Pty Ltd - AFSL 515796#financialadvice #financialadviser

PROARTESMEXICO.COM.MX Interview in English with Jorge Rojas by Peter Hay on May 14, 2020 Entrevista en inglés con Jorge Rojas por Peter Hay, mayo 14, 2020. In Episode 1.3 we talk with Jorge Rojas, a multidisciplinary artist, independent curator, and art educator born in the State of Morelos in Mexico. He studied Art at the University of Utah and at Bellas Artes in San Miguel de Allende, Mexico. Rojas makes performances examining cultural, social, and mediated forms of communication. Jorge is interested in performance art for its ability to bring people together, as well as provoke public participation, action, and collaboration. His interests include spiritual histories, interpretations of ancient rites and customs, institutional critique, and responding to abuses of power. In recent years, his performances have primarily responded to political injustice and cultural tensions. Their work and curatorial projects have been exhibited nationally and internationally in venues including Museo del Barrio and Queens Museum of Art in New York; New World Museum and Project Row Houses in Houston; Ex Convento del Carmen, Guadalajara; FOFA Gallery at Concordia University, Montreal; Utah Museum of Fine Arts and Utah Museum of Contemporary Art in Salt Lake City. Since 2015, They have been director of learning and engagement at the Utah Museum of Fine Arts, where they oversee all education, community engagement, and adult programming initiatives for the Museum. Jorge Rojas is a passionate advocate for advancing racial and cultural justice through the arts. En el Episodio 1.3 hablamos con Jorge Rojas, es un artista multidisciplinario, curador independiente y educador de arte nacido en el estado de Morelos en México. Estudió Arte en la Universidad de Utah y en Bellas Artes en San Miguel de Allende, México. Rojas realiza arte performance, que examina formas de comunicación culturales, sociales y mediadas. Jorge está interesado en el arte del performance por su capacidad para unir a las personas, así como para provocar la participación pública, la acción y la colaboración. Sus intereses incluyen historias espirituales, interpretaciones de ritos y costumbres antiguas, crítica institucional y respuesta a abusos de poder. En los últimos años, sus actuaciones han respondido principalmente a la injusticia política y las tensiones culturales. Su trabajo y proyectos curatoriales se han exhibido a nivel nacional e internacional en lugares como el Museo del Barrio y el Museo de Arte de Queens en Nueva York; Museo del Nuevo Mundo y Project Row Houses en Houston; Ex Convento del Carmen, Guadalajara; Galería FOFA en la Universidad Concordia, Montreal; Museo de Bellas Artes de Utah y Museo de Arte Contemporáneo de Utah en Salt Lake City. Desde 2015, ha sido director de aprendizaje y participación en el Museo de Bellas Artes de Utah, donde supervisa todas las iniciativas de educación, participación comunitaria y programación para adultos del Museo. Jorge Rojas es un apasionado defensor del avance de la justicia racial y cultural a través de las artes. Here&There: Conversations with Creators from the MX &USA: In this bilingual series, PROArtes México sits down with contemporary artists working in the USA or MX and discusses their work, concepts, ideas, and interests in their preferred language. A translated version of the interviews available on our website. En esta serie bilingüe, PROArtes México invita a creadores de arte contemporáneo que trabajan en Estados Unidos de América y México, y charlan sobre su trabajo, conceptos, ideas e intereses. Las versiones traducidas de las entrevistas se encontrarán disponibles en nuestra página web.

Almudena y Oscar Terol escudriñan el día a día de la pandemia y el confinamiento. Hoy Oscar viene con una propuesta de moratoria física que quiere trasladar al Gobierno Vasco. ...

Sejam bem vindos a mais um episódio do Chá de Trovão. Quer acompanhar nossas gravações, siga nossa Twitch https://www.Twitch.tv/CanalLBTV Mande seus comentários para nós em nosso e-mail: thunderreview@gmail.com Apoie nosso podcast a continuar vivo em https://www.catarse.me/LBTV

In a rapidly changing financial planning landscape, the value of community is more apparent than ever before. Finding new and inventive ways to collaborate in order to grow your business could be what keeps you ahead of the curve. Thankfully, there is a community of 1,800+ Australian advisers doing just that. In this episode, we speak to Clayton Daniel, managing director of XY Adviser to get an inside look into what launched their national community of advisers, the journey to get where they are today, and what's involved in the platform reaching their ‘ultimate destination'. We get a sneak peek into how technical advancement will revolutionise the platform for advisers not only in Australia, but worldwide.  This episode will inspire you to think outside the box when it comes to pushing forward the evolution of advice, using creative and collaborative efforts to better yourself and the community.  Clayton gives us a few golden nuggets of advice, encouraging advisers to be more open and vulnerable with each other.  QUOTE: The facilitation of a mindset is super different on every platform Resources: To reach out to Clayton Daniel, please contact him via LinkedIn or Email. What You'll Learn From This Episode: How to turn your idea into a business  How to use Facebook Groups to your advantage How to use small networking events for maximum impact How to find the perfect platform for your message How to moderate your online communities The importance of being open and honest with peers The power of asking intelligent questions Why you shouldn't be afraid to dream big When is it the right time to seek outside investment for your idea How to know when to employ people to work in your community About Our Guest: Clayton Daniel is the managing director of XY Adviser with over 10 years of experience in the industry. Clayton spotted a gap in the industry during the time of FOFA, noting the need for better communication between advisers during the transitional period. From the early days of securing Brad Fox to speak at his not yet existent event, the XY Adviser community is now some 1,800 people strong, and has plans to expand to advisers all over the world. For more conversations with the thinkers and movers in the world of financial advice, go to Goals-Based Advice Podcast. You can also access more episodes on Apple Podcasts and Spotify. For updates, follow our Facebook page.  If you have more questions, don't forget to reach out to me on LinkedIn and to send an email at jacqui@adviceintelligence.com   Thanks for tuning in!

A sigla SWOT significa: Strengths (Forças), Weaknesses (Fraquezas), Opportunities (Oportunidades) e Threats (Ameaças) e também é conhecida como Análise FOFA ou Matriz SWOT. É o pacote de exames mais importante para avaliar a saúde da sua empresa. Ouça o 3º D/Podcast com Nicolas Silva, Diretor de Criação da D/MONTEIRO e aprenda mais sobre o que é, e como fazer sua análise SWOT.

Welcome to Finance and Fury, The Furious Friday Edition Today, the episode is delving a little deeper into superannuation I Work as a financial adviser – see a lot of changes to the legislation of superannuation since I joined the industry in 2011 – Today - Episode on my theory of superannuation from a viewpoint you might not see anywhere else History of Super – From 1970s - superannuation arrangements were in place were set up under industrial awards negotiated by the union movement – nothing like currently – they were union/company run 1983 - A change to superannuation arrangements came - through an agreement between the government and the trade unions Called “Prices and Incomes Accord” - the trade unions agreed that their members (workers) forgo a 3% pay increase to instead direct into the new superannuation system – important point of forgoing salary increase – come back to later This 3% was also matched by employers' contributions the employees' income – Though there is general widespread support for compulsory superannuation today, at the time of its introduction it was met with strong resistance by small business groups who were fearful of the burden associated with its implementation and its ongoing costs – still – passed anyway due to union support Created 6% in total for union/Government workers – but didn’t exist across the board yet 1992 - the Keating Labor Government - compulsory employer contribution scheme became a part of a wider reform package - "Superannuation Guarantee" (SG) contributions Why? Reasoning of Australia, along with many other Western nations, would experience a major demographic shiftin the coming decades, of the aging of the population, and it was claimed that this would result in increased age pension payments that would place an unaffordable strain on the Australian economy. The proposed solution was a "three pillars" approach to retirement income: compulsory employer contributions to superannuation funds, further contributions to superannuation funds and other investments, and if insufficient, a safety net consisting of a means-tested government-funded age pension. The Keating Labor Government had also intended for there to be a compulsory employee contribution beginning in 1997-98, with employee contributions beginning at 1%, then rising to 2% in 1998-99 and reaching 3% in 1999-2000. However, this planned compulsory 3% employee contribution was cancelled by the Howard Liberal Government when it took office in 1996.  By 2002-03 - Howard Government - The employer SG contribution was allowed to continue to rise to 9 Limited employer SG contributions from 1 July 2002 to an employee's ordinary time earnings Before this – no cap in conts The SG rate was 9% from 2002-03 to 2013-14, when the Rudd-Gillard Labor Government passed legislation to increase SG contributions to 12% by 1 July 2019 - originally intended by the Keating Government in 1995 – but got strong opposition and replaced by Howard Abbott Liberal Government deferred the start of this planned increase to the SG by six years, from 1 July 2015 to 1 July 2021. The SG rate has since 1 July 2014 been- from 9.5% and in July 2021 the rate is planned to increase by 0.5% each year until it reaches 12% by 2025. Super Today – has grown massively – increase in compulsory contributions, being tax-effective, and strong market growth It is massive – Estimates show it is likely cracked the $3trn mark as of last month – ASX is about $2trn – remember that every super fund has money in ASX products – so even assuming a 25% = $750bn of the market cap = 37.5% of ASX Massive inflows as well - $120bn p.a. of employee/member contributions The Australian industry superannuation funds is under fire for re-investing funds into questionable investments, to benefit related parties ahead of the investor. Thus, a conflict of interest exists with the parent entity re-investing funds into funds related to the parent entity. Thus the best rate of return is never sought out, and the bank or entity investing the money is not seeking the highest rate of return. Money in certain investments now is a concern - Debt - Bonds – Corporate and derivative position – repo markets Property – Build to rent schemes – especially for Gov buildings to occupy using tax payer funds Index – buying into markets and pushing prices up – for no fundamental gains Most non-self managed funds only provide very minimal information to the account holders about how their money has been invested. Usually, only vague categories are provided, such as "Australian Shares", with no indication of which shares were purchased. This makes the fund's management largely unaccountable to their members. Examples of legislation or policy changes that work against you – political/fiscal or monetary policy bank accounts Fiscal is taxes – where super in accumulation and now pension if you work and below 65 = taxed Also – money available to buy government debt to fund their expenditure Monetary is QE and having Where is also gets more corrupt - Who started super? Labour – but Liberals have helped it too – so it is a joint political effort But super is not all made equally – think super industry all gets along? Current political battlefield in my opinion Industry funds – Their investment options managed by them, control of flow, or at least who the money is given to for investment management WRAP platforms and SMSFs – ones outside of political control/backing You decide where the money goes – not the default option almost everyone is in with Industry super MySuper -default offering based around your age – used to be balanced across the board – but FOFA and stronger super reforms changed all of this These came from a campaign created by a Genuine politician - Bill Shorten – Shorten was elected to the House of Representatives in 2007 - was immediately appointed a parliamentary secretary – had almost a few years’ experience in the union Shorten was elected as the AWU's national secretary in 2001 and was re-elected in 2005. He resigned as Victorian state secretary of the AWU in August 2007. He was also director of the Superannuation Trust of Australia (now Australian Super) and the Victorian Funds Management Corporation. Any guess who some of his largest political donors were for his elections? AWU made $25k, but AusSuper made $25,500 to AWU just before – all of this happened in 2006-2007 just before his first run into politics Shorten - Assumed office in 2007 – became minister for financial services and superannuation, assistant treasurer and Minister for Workplace Relations in the Gillard Government in 2010 – Took him 3 years – must have been impressive – after graduating from Arts/Law degree – worked as a lawyer for 20 months then left to become a trainee union organiser. Worked his way up in the unions until becoming Vic state security in 1998 – where he remained until taking office in 2007 Corruption internally as to where super funds are invested – Publicly – buying Gov bonds – might get a gov job later/funded for office – or vies versa Privately - Example of how this would play out – Say you are a board member, and some business/share or property area you have a financial interest in would benefit from an investment/boost to demand = direct the funds there – Aus Super is very transparent when it compares to other Aus industry funds – go to the end page One area they don’t disclose so well is private equity – they tell you the private companies but not the amounts Regulation changes under FOFA – Insurances of fofa – super v non-super IP Financial advice regulations – Allowed for banks, industry funds and product providers to continue to make money of their products for recommendation, but banned any other adviser have the same opportunity through nil-entry products Im all for this – Advisers shouldn’t get it – charge for a service provided – as opposed to poaching wealthy clients with $1m+ to make 3.3% on placing their money - but nor do I think industry funds charge management costs through investments if it is being outsourced, who charge their own costs (as an ICR) Also – nepotism in construction projects – safe secure investments into Government buildings which the tax payer pays for – Bris is a good example - Cbus invested – Super funds used to pass the borrowing/construction financing costs to the investors – without disclosing it – now it is at least disclosing, but not included in the costs of the investment directly - More recent 2019 election campaign - Shortens proposed legislation changes Franking credits – split in who gains the benefits – in pension phase, SMSF or WRAP gains 100% of benefits – but in unitised structures, tax offsets go to the overall fund – so the returns while not taxed, will be lower on FF income Trust taxes – potential to destroy SMSF structures – as they are non-unit in structure Just saw that every bit of regulation went to help the industry funds, while hurting accounts where you can control your funds. The Government will likely continue to intervene with the super industry – lots to gain and may ways to do it Tax side – easy on the fiscal budget – already done a bit – the introduction of tax in super – increase in taxes on contributions for those earning more than $250k (30% instead of 15%) Consumer protection - Losses to the superannuation funds from the global financial crisis have also been a cause for concern, said to be around $75 billion. Initial financial discussions determined that the Australian economy would be at risk if citizens were allowed to immediately access and withdraw Superannuation, further confirming the belief that mandatory Superannuation may not be a viable long-term fiscal management tool. This was compounded by a lack of proper industry regulation, allegations of fraud and financial misconduct and a host of other issues currently plaguing the industry as a whole - "Thousands of superannuation fund members defrauded in Trio Capital scandal" A sudden outflow – say people could access and just withdrew – markets could collapse – as billions if not trillions may flow out And create other bubbles – like in property – reallocation of resources Summary Lots of money flowing in – likely yours – Pays to know where it is – and be aware of what powers that be have in plan for your super money The inflow of SG - https://www.superannuation.asn.au/resources/superannuation-statistics Thank you for listening to today's episode. If you want to get in contact you can do so here: http://financeandfury.com.au/contact/

A análise SWOT ou FOFA é uma importante ferramenta para o planejamento da empresa, pois identifica de forma simples as Forças, Fraquezas, Oportunidades e Ameaças que podem contribuir e prejudicar o bom andamento da sua empresa. Com essa conhecimento, fica mais fácil determinar onde a sua empresa está e quais as possibilidades para ela no mercado. Quer saber mais? Então dá o play! Vem com a gente que é sucesso! #tamojunto ____________________________________________________________________________________________ Produção: Casa de vó (@casadevopodcast) Roteiro e Locução: Fausto Costa (@costafausto) Edição: Lucas Monteiro (@lu_antonii) Arte de capa: Daniela Ferreira (@lawlietdany)

Chegou mais um episódio do podcast que chega dando ollie na sua semana. Num Fute Cast raiz, um Fute Cast cheio de surpresas começamos numa equipe de 3 e terminamos com a casa cheia. Nesse programa tem destaques para vitórias de Flamengo, Palmeiras, Grêmio e O AZULÃO CSA! Na rodinha de conversa falamos sobre o THE BEST by FOFA, se foi justo, não foi, quem é o The Best BR e essas bobagens gostosas. No segundo bloco um giro pela Europa marcado pela CORNETA, A ZICA E O MAU HUMOR DE ARTHUR NONATO PÓS TRABALHO, repercutindo a Premier League com o 8 x 0 do City e as peripécias dos Gunners, na La Liga, a má fase dos gigantes, na Itália o Derby Milano com a boa atuação de um Inter que empolga e pra fechar um olhadinha na Bundesliga que é liderada pelo BRAGANTINO Leipzig. Duração: 1h28m Participação: Arthur Nonato, Thiago Paiffer, Key Fernandes, Thiago Hernandes e Giovanni Pannaciuli, Edição: Giovanni Pannaciuli Curta o Fute Cast Sport Show nas Redes: Twitter: @futecast Instagram: @futecastsportshow Facebook: @futecastsportclube

Hoje, Zamiliano e João Carvalho vieram para conversar com vocês sobre algumas mudanças e novidades do Revolushow enquanto são pegos de surpresa num ataque de fofura.Edição: ZamilianoSeja nosso padrim e concorra a sorteios mensais de livros, a partir de R$5 ao mês e receba, a partir de R$10, nossa NewsLetter semanal em: http://padrim.com.br/revolushowInscreva-se em nosso canal no youtube: https://bit.ly/2wCiGfPTrilha sonora: Enxugando o Gelo by BNegão & Seletores de Freqüência is licensed under a Attribution-Noncommercial-Share Alike 3.0 Brazil License. Disponível em: https://bit.ly/30dbBjv In The Hall of the Montain King Peer Gynt Suite no. 1, Op. 46 . Disponível em: https://bit.ly/2XsGGhx

Em um episódio onde falaríamos sobre nossos gostos musicais, a bancada acabou criticando o imperialismo cultural estadunidense. Concorde ou não com nós, isso existe e está enraizado em nossa sociedade. Siga-nos no Instagram @deficrapodcast. Ajude a mantermos esse podcast vivo através do apoia.se/decifra

Clássicos Estaduais! Champions League! Messi é um alienígena! FIFA do céu para de ser troxa, menina! Abrindo um precedente perigoso para esse podcast, passamos da marca de uma hora para discutir as tretas dos estaduais, as treta da FIFA, as treta da UEFA e também gerar treta com os ouvintes (já, pois é). Desculpem o clubismo, não desistam da gente! Um abraço no coração e vem ouvir o Fute Cast! Participantes: Arthur Nonato, Key Fernandes, Giovanni Panaciulli (o Giba), e Thiago Paiffer. Duração: 1h33

Welcome to the Complexity Premia podcast from Coolabah Capital, which is hosted by Christopher Joye, CIO and portfolio manager of Coolabah Capital, and Ying Yi Ann Cheng, a portfolio management director. The Complexity Premia podcast strives to deconstruct modern investment problems for wholesale (not retail) participants in capital markets. In this episode we will: debate whether the RBA is going to blow the housing bubble back up with interest rate cuts; discuss new RBA research that blames the central bank for the rapid house price growth between 2012-2017 (contrary to what the governors have claimed); present Coolabah's pioneering quant research exploring whether you can use ESG filters to increase alpha and reduce beta in equities and bonds (you can download the paper here); examine what has driven the massive recent reduction in bank funding costs and the bid for the major banks' senior bonds; explain the game-changer that is the Fed's new inflation averaging regime, which has huge consequences for asset prices; and dissect the explosion in listed investment companies that fund managers are using to pay over $150 million in conflicted sales commissions to raise money from mums and dads for complex products that would never be allowed under the standard FOFA laws.   This information is suitable for wholesale investors only and has been produced by Coolabah Capital Institutional Investments Pty Ltd ACN 605806059, which holds Australian Financial Services Licence No. 482238 (CCII). The views expressed in this recording represent the personal opinions of the speakers and do not represent the view of any other party. The information does not take into account the particular investment objectives or financial situation of any potential listener. It does not constitute, and should not be relied on as, financial or investment advice or recommendations (expressed or implied) and it should not be used as an invitation to take up any investments or investment services. Whilst we believe that the information discussed in the podcast is correct, no warranty or representation is given to this effect, and listeners should not rely on this information when making any decisions. No responsibility can be accepted by CCII to any end users for any action taken on the basis of this information. No investment decision or activity should be undertaken without first seeking qualified and professional advice. CCII may have a financial interest in any assets discussed during the podcast. Listeners in Australia are encouraged to visit ASIC's MoneySmart website to obtain information regarding financial advice and investments.  

No segredinho de hoje uma gata ficou um pouco assustada com o fetiche da coleguinha. Você tem algum fetiche e já foi julgada por isso? Vem ler ou ouvir o segredo Muito Fofa Para Castigar

The low-cost and transparent nature of Exchange Traded Funds (ETFs) have seen their adoption rate accelerate among Australian advisers in light of the FOFA reforms. Alex Vynokur, co-founder and CEO of Betashares, discusses how ETFs are evolving and the lessons he has learnt from starting-up and managing ETF provider Betashares.

What's better than a two for one sale? Most thing's apparently but that never stopped King Dedede from jumping in on a bargain. Kirby's Dreamcast is a rewatch podcast covering Kirby Right Back at Ya and the Kirby games. Outro Music by Edge Support us on Patreon at http://www.patreon.com/LostScarf Check out our Discord room at http://bit.ly/ScarfCordSpecific Talk to Scarf Room at https://discord.gg/4rbjXJ6 Scarfplays Twitter (Channel): https://twitter.com/ScarfPlaysLostScarf Twitter (Personal): https://twitter.com/LostScarfJynx Twitter (Editor): https://twitter.com/GameJynx

The Hon. Bernie Ripoll, a.k.a the Father of FOFA and director of Map My Plan, believes every Australian should have a financial plan and chats with Matt about how technology can help advisers make this a reality. In this episode, Bernie also reflects on the Future of Financial Advice reforms and shares his views on the Royal Commission.

Una señora será amonestada porque no se ha emocionado como debería para el Mundial de fútbol, según la FOFA.

Uma etapa fundamental no seu planejamento pessoal é saber quem você realmente é: suas forças, suas fraquezas, as oportunidades que existem e o que pode ameaçar seus planos. Nas empresas, esta análise já é feita através da Matriz SWOT (ou FOFA). Ouça a este podcast para aplicar os mesmos conceitos ao seu planejamento pessoal.

Esta Semana en Ciberseguridad... Episodio 07... 21 de febrero de 2018... Soy Carlos Solís Salazar. Suscríbete en iTunes | iVoox | whooshkaa | RSS En este podcast, comparto con ustedes lo más relevante (a mi criterio) que ocurrió durante la semana pasada en materia de Ciberseguridad... Encuentran una nueva forma de atacar equipos sin usar Macros con Word; SmartTV vulnerables a hacking; Cuidado con tu Facebook: un nuevo virus se propaga por esta red robándote tu cuenta; El FBI, la CIA, y la NSA no se confian de Huawei; FOFA.so, el nuevo Shodan chino; Una vulnerabilidad en el código de Skype obliga a reescribirlo desde cero; Explotan vulnerabilidad de día cero de Telegram para distribuir malware; Apple lanza iOS 11.2.6 para solucionar el bug del símbolo Telugu; Facebook ofrece instalar una VPN gratuita pero es mejor no hacerlo... todo ésto y más en Esta Semana en Ciberseguridad... Notas del episodio en https://wp.me/p8udJW-bK ¿Tienes alguna pregunta, duda, comentario o amenaza de muerte? Recuerda suscribirte al blog para que estés al tanto de mis actualizaciones, ¿Te gustó? comparte y... ..."Mantente seguro mi amigo"... Esta obra está bajo una Licencia Creative Commons Atribución-Compartir Igual 4.0 Internacional

With advisers still feeling the fallout from the FOFA reforms and the continual improvements in technology and increased competition - who is going to succeed in this new world? Siva Sivakumaran, Managing Director of Adviser & Intermediary Solutions at Russell Investments, joins Matt to chat about the challenge advisers now face when it comes to creating value for clients as well as what they can do to better service mum and dad investors.

Former Labor MP Bernie Ripoll, the man behind the Rudd-Gillard government's Future of Financial Advice reforms, joins The ifa Show to reflect on his time in politics and the debates still raging in financial services. We also speak to Laird Abernethy from Colonial First State about the company's push into managed accounts. http://www.ifa.com.au

Hoje falo da quarta etapa para construir o seu Plano Estratégico Pessoal, que é comparar forças, fraquezas, oportunidades e ameaças através da análise SWOT ou FOFA. Para baixar o e-book Como Fazer Seu Plano Estratégico Pessoal, clique aqui. Ouça aqui o áudio. O post Coaching Diário #157 – A análise SWOT pessoal apareceu primeiro em Viva de Propósito.

Dois animais fofos procuram salvar um valentão de um destino trágico! Olá! Essa Mesa Predestinada é bem fofa. Nela, dois Strays, animais que procuram enfrentar coisas más e inspirar crianças ao bem, no caso o Esperto Hamster Samwise e a Fofa e Durona Gatinha Marie, procuram impedir que um valentão seja capturado por uma criatura maligna, o Homem do Saco. Para isso, ele tem que sair da Lista dos Malvados do Velho Nick (o Papai Noel) antes de uma determinada data. Será que o tempo será o bastante? E como eles farão isso, se animais não falam com humanos, mesmo aqueles muito espertos e capazes de ler humano? Strays é um cenário family-friendly para Fate Acelerado onde animais fofos, que já foram animais de estimação, enfrentam o mal e procuram impedir criaturas más de fazerem maldades. Além disso, devem inspirar crianças e outras criaturas boas a serem cada vez mais corajosas e gentis. Desculpem pelas falhas de áudio na captura e pela tosse de ambos. :-( Nosso contato para esse podcast é o email mesaspredestinadas@gmail.com, entre outros contatos a serem estipulados. Link para o programa em MP3 Participantes: Fábio Emilio Costa (Narrador e Samwise) William de Mello Otomo (Marie) Duração: 178min Cronologia do Podcast: 00:00:10 - Apresentação básica do Cenário e dos Personagens 00:04:31 - Marie recebe a missão de ir à Cidade, tendo que encarar algo bem mal-cheiroso no processo 00:10:33 - Marie chega à Praça da Cidade,mas no processo arruma confusão com ratos maus 00:20:03 - Marie encontra Samwise, que a livra da enrascada com os ratos, com seu conhecimento sobre coisas humanas 00:29:59 - Marie e Samwise encontram Joffrey, o mensageiro, e ele passa a missão aos dois 00:39:37 - “Todos tem a fagulha para o Bem e para o Mal” - Joffrey conta sobre a história do Puffers 00:51:30 - Samwise e Marie procuram ver os meninos envolvidos, e ajudam os meninos a fugir 01:11:21 - Marie resgata Samwise das mãos de Rodrigo e foge do cachorro do mesmo, Lancaster 01:17:10 - Marie e Samwise encontram Govinda, e tentam convencê-lo a ajudar os dois 01:17:10 - Marie e Samwise encontram Govinda, e tentam convencê-lo a ajudar os dois 01:27:54 - Marie e Samwise fazem Govinda ser adotado por Raistlin, e nesse processo descobrem uma pista importante sobre o Velho do Saco 01:44:35 - Samwise fica com muito sono, e Marie decide ir agir sozinha, procurando por Lancaster e encontrando um gambá sedutor 01:54:50 - Marie encontra a casa de Lancaster e descobre o que levou Rodrigo a ser malvado… 01:54:50 - Marie encontra a casa de Lancaster e descobre o que levou Rodrigo a ser malvado… 02:10:12 - O Velho do Saco faz sua primeira vítima… Mas os Strays não sabem… 02:17:10 - Samwise e Marie estão tão exaustos que dormem o dia inteiro, mas Govinda comenta que Lancaster os garotos 02:24:23 - Govinda faz alguns comentários que Marie e Samwise aprovam e definem planos para salvar Rodrigo 02:26:59 - Govinda pede para voltar para casa, e outro grito lancinante revela: o Velho do Saco fez uma segunda vítima 02:28:53 - O Dia de Ação de Graças chega… É a calma antes de tempestade 02:31:37 - Govinda conta um boato sobre os desaparecimentos e Raistlin e Helena 02:33:22 - Os garotos maus chegam na casa de Raistlin e Helena para fazerem arruaça! 02:41:54 - O Velho do Saco sai das sombras… E Marie tenta convencer que Rodrigo não está pronto! 02:54:55 - A Conclusão da Aventura! Links Relacionados: Strays (Pague o quanto quiser) Ficha da Marie Ficha do Samwise Ficha do Puffers (NPC) Fichas para Impressão A Aventura mestrada A Mesa em vídeo Link para a comunidade do Google+ do Mesas Predestinadas Comente esse post no site do Mesas Predestinadas! Assine no iTunes Trilha Sonora do Podcast: Hide And Seek por Shane Ivers BEES! por Shane Ivers Clowning Around por Shane Ivers Chicken Hut Bluegrass por Shane Ivers Walk Happy por Shane Ivers Spark of Inspiration por Shane Ivers

Cracklin' Oat Bran. Star Wars: The Clone Wars. 'Nuff said.

Jacqui Lambie has stepped aside from the Palmer United Party on principle. The final straw came with her opposition to the government’s rollback on some of Labor’s Future of Financial Advice (FOFA) reforms. The original legislation had consumers opting-in every two years to ongoing financial commitments with their planners – the revision removed that, returning to the old way of not knowing how much you are paying or services you probably no longer receive.So, at long last, we can see that Jacqui Lambie is a lady of principle. She may not be the sharpest tool in the shed, but at least she has the electorate’s interests at heart.It’s one of main stories discussed in this week’s Balls radio, including:- Would Lambie have been elected without Clive?- The FOFA reforms watered down to protect financial planners- Richard Kazimer in the USo Obama’s deportation reliefo NSA’s data retention ruleso Canada’s massive oil pipelineo Bill Cosby – not such a nice guy?- The naff Halal Vegemite debate (by stupid, racist people)- George Christensen MP’s simmering hate- Emily Thornbury MP’s image form Rochester – condescending, or spot on?- Would you buy a house next to someone with national flags flying?- David Campbell in New Zealando Getting chummy with Chinao New Kiwi banknoteso Valerie Adams, World Athlete of the Yearo Sausages saved man’s sliced finger- ABC – 400 jobs gone – but how much will we miss?- What’s the Big Idea with Brian Havertyo Wine from the cloudo New way to pay for parkingo Cocktail shaker in carso Banning sarcastic apologieso Treatment for spitters

Michelle Grattan speaks to ALP Senator Sam Dastyari about reform in the Labor Party and the government's controversial FoFA changes.

Finance Minister Mathias Cormann and Michelle Grattan go in depth about the government's proposed FoFA changes.

Since 1972 Bonnie Baxter has participated in more than 150 exhibitions of print and video work in Québec, Canada and Internationally. She talks about her work Rewind, and a recent installation at the FOFA gallery at Concordia University. She works with print media primarily and produces installation works.