Podcasts about future focus

In this episode, we look at the top shares of Australia's best performing super funds, and our equity analysts' outlook for the stocks.You're able to view the article here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton.This week for Mark's Unconventional Wisdom column, he grades the superannuation system in Australia, offering each part of the system a letter grade of A, B, C or D. It allows investors to understand what our super system does well and what it doesn't, and how that might impact them. Shani's Future Focus column looks at a quirk to one of the most generous tax concessions that we have in Australia, the CGT exemption for your home. The CGT exemption also allows for you to rent out your property for a number of years, and still claim the CGT-exempt status. Shani takes a deep dive into the tax policy, the circumstances that it suits and the situations to avoid that would make homeowners pay more tax than they need to. Small caps have historically traded at a premium given conviction behind long term outperformance. Market narratives surrounding their sizeable growth prospects can sway younger investors who performance chase. As a follow up on a previous article 'The Beginner ETF Portfolio', Sim explores the risks and merits of small cap exposure in a beginner's ETF portfolio. AI chatbots and search assistants have transformed the way that many people seek information. But can they be relied upon for investment advice, too? Acting on a recommendation from a recent industry event, Joseph asked ChatGPT to impersonate an investment board of three famous investors. Then, he asked it to discuss some potential investments. What happened next left Joseph impressed and worried in equal measure. Hosted on Acast. See acast.com/privacy for more information.

BONUS: Solution-Focused Coaching: The Game-Changing Method Every Scrum Master Needs With Ralph Miarka and Veronika Jugwirth In this BONUS episode, we dive deep into solution-focused coaching with Ralph and Veronika, co-authors of "Solution Focused Coaching For Agile Teams." This conversation explores how to shift from problem-solving to solution-building, helping Agile teams thrive through a forward-looking approach that empowers teams to find their own path to success. Understanding Solution-Focused Coaching "Solution focus, focuses on the goal itself. We are not talking about 'how', but first start with 'what we want to achieve'." Solution-focused coaching represents a fundamental shift from traditional problem-solving approaches. Rather than diving into root cause analysis and retrospectives focused on what went wrong, this methodology centers on the future and desired outcomes. It operates as a communication system that recognizes the complexity of modern work environments where simple cause-effect relationships don't always apply. In engineering, root causes make sense when dealing with predictable systems, but in complex organizational dynamics, solution-focused coaching acknowledges that we often can't identify clear root causes and instead focuses on creating a "preferred future." In this segment we refer to Solution-focused brief therapy and the Cynefin model.  The Power of Not-Knowing "Instead of suggesting solutions, we should start by asking questions. The “Not-knowing position” is about accepting this." The "not-knowing position" challenges coaches and leaders to resist the urge to immediately diagnose problems and offer solutions. When someone shares their story, they're not sharing the version we think we know. This approach transforms coaching conversations by starting with questions like "What difference would it make for you to solve this problem?" This shift toward asking questions about a positive future can even help identify advocates among those who initially resist change, creating unexpected allies in transformation efforts. Everyone as an Expert "When we help teams change by themselves, they change much faster." The principle that "everyone is an expert in their situation" fundamentally changes how coaches approach team dynamics, especially during periods of pressure or conflict. Instead of imposing external solutions, this approach involves asking teams what they already like about their current practices. For example, when observing daily standups with their natural diversity of approaches, focusing on what teams appreciate about their existing practices creates a foundation for sustainable change. Teams that discover their own path to improvement implement changes more rapidly and with greater commitment than those following prescribed solutions. The Miracle Question Technique "What would be a very small first sign that tells you that there was a small miracle during the night?" The Miracle Question emerges from real coaching conversations where clients express that "only a miracle can help." Rather than dismissing this statement, solution-focused coaches embrace the client's language to create powerful exploration opportunities. The technique involves asking teams to imagine their situation after a small miracle has occurred overnight, then identifying the first small signs they would notice. This approach helps teams explore possibilities and envision concrete steps toward their preferred future, making abstract goals tangible and achievable. Unlearning the Fix-It Mentality "Don't work by yourself in the problems of others, let them work." For Agile practitioners trained to identify and fix problems, solution-focused coaching requires a significant mindset shift. Instead of jumping into problem-solving mode, coaches must learn to hold space for solutions to emerge naturally from the team. This involves trusting that team members are experts in their own situations and developing strong questioning skills. Coaches and Scrum Masters need to clarify their own goals and resist the urge to solve problems for others, instead creating conditions where teams can work through challenges themselves. Practical Questions for Immediate Implementation "What do we want to achieve? What is our goal, and why?" Teams can immediately begin incorporating solution-focused approaches by bringing specific questions into their regular ceremonies. Key questions include exploring what the team wants to achieve and understanding the underlying purpose behind their goals. Additionally, asking "What works already?" helps teams build on existing strengths rather than focusing solely on problems. Confidence-building questions like "How confident are we?" and "What would make you more confident?" create opportunities for teams to identify specific actions that would increase their likelihood of success. About Ralph and Veronika Ralph Miarka is an Agile coach, trainer, and co-author of the book that is our topic for today's episode: Solution Focused Coaching For Agile Teams. Ralph helps teams thrive through solution-focused coaching. With a background in engineering and leadership, he bridges structure and empathy to spark real change. You can link with Ralph Miarka on LinkedIn. Veronika Jungwrith is a coach, consultant, and facilitator, Veronika blends solution-focused coaching with leadership development. Her work empowers individuals and teams to navigate complexity with clarity, meaning, and lasting impact. You can link with Veronika Jungwrith on LinkedIn.

This episode runs through what the new Division 296 tax is, who it impacts, what investors should do to prepare for it.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton.Shani's Future Focus column takes a deep dive into the controversial Division 296 tax - also known as the unrealised capital gains tax in super. She runs through how it works, why more Aussies are going to be impacted by it than we think and what investors can do to prepare for it.Buffett has invested for over 7 decades, where his investing style and approach has evolved. There are many lessons, quotes and soundbites that investors take from him. In this week's edition of Unconventional Wisdom, Mark has looked at 3 lessons to ignore from the Oracle of Omaha. With most Aussies now holding at least one ETF in their portfolio, it's a hard proposition to ignore for beginner investors. Following on from her previous column on the beginner ETF portfolio, this week Sim explores the Aussie equity ETF market and compares two investor favourites in this category. Joseph's featured article is the first edition of Stock Showdown, a new series that uses Morningstar insights to compare the business and investment merits of different ASX companies. To kick things off, Joseph enlisted the help of our global mining analyst Jon mills to compare BHP and Rio Tinto. How similar are the two mining heavyweights, where do they differ, and which would Jon choose if he had to? Find out in the first Stock Showdown. Hosted on Acast. See acast.com/privacy for more information.

In this listener requested episode, we take a look at how taxes impact you as an investor. Understanding the maths behind all of the variables for your total return means you're able to make better decisions. Tax is a big one.In this week's Unconventional wisdom column, Mark explores whether investor complacency is out of touch with reality. He looks at game theory and a prisoner's dilemma, and the lessons that investors can take from it, especially when it comes to the current market volatility. He looks like at where Trump - and the market, might go from here. Finding superior long-term investments as a stock picker requires you to find companies that defy the laws of capitalism. But how might you go about doing this? In the next edition of his Bookworm column, Joseph explores Marathon Asset Management's capital cycle approach to investing and how it can identify so-called “compounders”. Joseph also highlights a holding from his portfolio that he thinks fits the bill. Successful investing doesn't end as soon as you hit 'buy' in your trading account. Shani's Future Focus column looks at a methodical framework to monitor and maintain your portfolio, to increase your chances of achieving your financial goals. Easy access to technology means younger generations are more informed and confident in their investment decisions than ever. Furthermore, changes to the industry has led to structured financial advice increasingly becoming a luxury to access. In this week's Young & Invested, Sim explores whether financial advisers have any value proposition for young people. To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

On Today's Episode, I'm joined by Andy Thompson, Managing Director at SailGP, an international sailing competition, where teams compete across a season of multiple grands prix (GP) around the world in cities like New York, Sydney, San Francisco, and Portsmouth. Andy's career spans the likes of Deloitte, London 2012, and Americas Cup - where he was first introduced to both Sailing and SailGP founders, Larry Ellison and Russell Coutts - who aspired to create a commercially viable sailing series. In this conversation we discuss Andy's journey, as well as the journey of this upstart league, which was only founded in 2019, but now finds itself with 13 races and 12 teams, with owners like Ben Ainsley and Kylian Mbappe and blue-chip sponsors like Emirates, Accor, and Rolex. Timestamps2:00 - Introduction and Early Career08:00 Founding of SailGP, its Unique Approach and Growth20:00 - Commercial Strategy and Partnerships26:00 - Team Ownership, Expansion, and Attracting Kylian Mbappe 35:00 - Rolex Becoming Title Partner and Partnership Strategy42:00 - Data and Audience Engagement45:00 - Future Focus and ConsistencyAdditional LinksSailGP Names DJ Khaled as Chief Hype Officer

In this episode, we're joined by Dr. Thomas Johnson, outgoing president of Lamar State College Orange, and Dr. Wendy Elmore, incoming president and current Provost and Executive Vice President for Academic and Student Affairs. Dr. Johnson reflects on his impactful seven-year tenure—marked by record enrollment, 40+ new vocational programs, and national recognition for student success—as he prepares for retirement. Dr. Elmore shares her vision for the future, including expanding workforce-aligned programs, deepening industry partnerships, and continuing to make higher education accessible, relevant, and transformative for Southeast Texas. Together, they discuss the college's legacy and its bold path forward. 

Twenty-five years ago, Irish people chose peat as the smell that best represents this country. What aroma would we nominate today? Last evening the film, ‘Ireland and Its Aromatic Heritage’ received its world premiere in Tech Amergin, Waterville. The film is directed by US artist Dr Gayil Nalls who’s the creator of the World Sensorium Project. In 2000, she asked people to nominate smells that best represent their culture. Twenty-five years on, she has returned to the project and once again is seeking to identify and preserve natural scents that best capture a country or culture’s heritage. The project, a Millennium initiative at the start of the century, has been relaunched to explore whether people’s choices have changed since 2000. You may vote for your favourite smell or aromatic plant in Ireland here: https://docs.google.com/forms/d/e/1FAIpQLScIqbQVZLolW-pj3PjwjOsm0kaMCbbkXxDVdFwoFjww6UsO-A/viewform Dr Anita McKeown of Future Focus 21c and SMARTlab Skelligs and June O’Connell of Iveragh Inspires are involved in the World Sensorium Project.

Dan is joined by Kevin O'Buckley, senior vice president and general manager of Foundry Services at Intel Corporation. In this role, he is responsible for driving continued growth for Intel Foundry and its differentiated systems foundry offerings, which go beyond traditional wafer fabrication to include packaging, chiplet… Read More

Future-Focus, Well-Being and Resilience focuses on journeys that can keep us well and support our resilience. No two journeys are the same.  We also recognise habits, practices, lessons that nurture us and help us flourish, support us to be fruitful and enable us to move from surviving to thriving. 1.        We love to capture and share pearls of insight and wisdom. These are aired in our podcast, blogs and guest appearances across the world. 2.        We touch on hope as the gift that keeps giving . We explore being future focused as we are shaping our pathway through life and living. 3.        We revisit our definition of success especially in the face of adversity.  How does pain become part of our life story?   4.        Borne out of the Wellbeing and Resilience Leadership initiative, we are taking a pragmatic view of Wellness, Wellbeing and Reliance.  Prepare to be thrilled, informed, inspired and motivated by Future Focus wellbeing and resilience.

Some investors don't think that they have any goals to work towards, so they are unable to add proper structures and frameworks to their investment portfolios. This episode goes through a framework to dig deeper for your financial goals by exploring what you want from life, and therefore your finances.You are able to find the full article here.As cost of living increases and careers become more demanding, many younger people are also turning to income investing to derive a passive income. As more Aussies move towards this style of investing, we must understand what the opportunity cost is. Mark's Unconventional Wisdom column explores the opportunity cost of being an income investor. In Shani's Future Focus column, she looks at the insights for investors from a man responsible for $16 trillion. Salim Ramji is the new captain at the helm of Vanguard. His recent visit to Australia included a conversation with Johnathan Shapiro which revealed insights into how Salim sees the world, and how investors can apply those insights to how they invest. A study found that younger generations were disengaged when it came to their superannuation – and this isn't surprising. It's hard for young people to be excited at the prospect of retirement. But the reality is, failing to review your super is like cutting a hole in your wallet and walking around as the money falls out. This week Sim explores how your level of engagement with superannuation can have a significant impact on your retirement outcomes. Every big decision in life has trade offs. This can make it hard to make a decision in the first place and, perhaps even worse, lead to regrets seeping in later. In this week's Bookworm, Joseph explores a simple three-step method for tackling life's big choices with confidence. From deciding between two jobs to choosing whether to rent or buy. To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

Hear Bill's interview with Brian Turmail, Vice President, Public Affairs & Workforce, Associated General Contractors of America. (AGC). Brian's role is to develop and oversee all public, member, and chapter communications activities for the 27,000 member construction trade association. He also helps oversee the implementation of the association's Centennial "Future Focus" plan designed to position the association to help member firms thrive amid significant technological, process, and labor transformations taking place within the industry. Brian has been a guest on our show before and he does an excellent job of outlining the challenges America faces in regards to hiring and training a workforce to keep pace with the construction industry demands. As an example, according to a survey by the Associated General Contractors of America, 80% of construction companies in Florida say they are having a hard time finding workers. This poses a serious issue as our state is experiencing explosive growth and we need workers for every facet of the construction industry, including infrastructure improvements, roads, bridges, homes, condos, and office buildings, manufacturing plants, and more. Brian and Bill discuss the return of vocational education in our schools to further develop a "home grown" workforce, as well as an H-2B program to help provide workers to meet employment demands. The construction industry offers amazing opportunities for individuals who wish to earn an earnest living...and perhaps one day, start and run their own business.Support the show

This episode focuses on tarriffs - how investors should think about them, how they should position their portfolios, and the types of companies that will continue to prosper.Industry super funds have turned to private assets to invest the retirement savings of millions of Australians. In this week's Unconventional Wisdom column, Mark explores whether they live up to the hype. The proposed $3 million super cap was originally seen as a tax for the wealthy. With no adjustment for inflation, with time it will impact more and more Australians. Shani's Future Focus column looks at whether investors should stop contributing to their super, and the ways in which they can approach the problem. Warren Buffett often cites Phil Fisher as one of his biggest investing influences. In this week's Bookworm, Joseph explores one of Fisher's essential criteria for a long-term holding. As Joseph shows, this 'X factor' can be the difference between owning a company that fizzles out after an initial success and one that continues to thrive for many years. Australia's obsession with homeownership is constantly increasing, as first home buyers rush to get on the ladder. Last week, Sim explored whether you should save for a deposit or invest in shares. It appears that amongst the shares vs housing debate, there emerges a third, enigmatic wildcard that is ‘Rent-vesting'.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

In this episode, 195 - Is There Something Wrong With Me?, I tackle the common narrative that there is something wrong with today's youth and young adults. I share my frustration with this perspective and explain why it can be so detrimental. The key is understanding confirmation bias - the way our brains seek to prove what we already believe to be true. When we tell someone they are broken or lacking in some way, that's all their brain will focus on. Instead, I encourage focusing on what's going right, looking towards a positive future, and lifting others up. We need to quit pointing out problems and instead empower the rising generation to see their own worth and potential. Ultimately, there is nothing wrong with you. You are a divine creation of our Heavenly Parents, and any struggles you face are part of the human experience. With the Savior's help, you can overcome anything. Let's shift the narrative and start celebrating all the amazing things young people are capable of. As always, if you found this episode helpful, I want to invite you to subscribe if you aren't already, share this episode with your friends and missionaries you know, and write a review. I know this work will help LDS missionaries around the world and it would mean so much to me if you did. Until next week my friends.     Website | Instagram | Facebook   Get the Full Show Notes and Text/PDF Transcripts: HERE   Free PDF Download:  Podcast Roadmap   Free PDF Download:  Preparing Missionary Cheat Sheet   Free Training for Preparing Missionaries:  Change Your Mission with this One Tool   RM Transition Free Video Series:  3 Tools to Help RMs in Their Transition Home   Free Guide:  5 Tips to Help Any Returning Missionary   Schedule a Free Strategy Call:   Click Here

Mark goes through why the conventional wisdom is to reinvest dividends, but despite this, why he has stopped.This week, Mark's Unconventional Wisdom column takes a deep dive into the Yale model. He looks at whether Industry superfunds are following the wrong investment strategy, as there are signs that it may not work as well in the future as it has in the past. For International Women's Day, Shani's Future Focus column looks at how women have been able to find financial security regardless of vigorous societal opposition, looking at examples from different cultures around the world. She leans into new research from Morningstar's Behavioural Research team to provide evidence based insights on how to increase your financial security by focusing on strengthening your foundations. Australians are often told that the only way to achieve wealth is through the property market. This week Sim explores the question many young people are grappling with amid sky rocketing house prices, should you invest in shares or save for a house deposit? A company's moat and the returns on capital it is able to generate for shareholders are not static. Over time they can get better or they can get worse, for reasons in and outside of a company's control. In this week's Bookworm, Joseph looks at two Aussie companies that may be scoring what Pat Dorsey sees as a classic own goal when it comes to capital allocation.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

Join us in this episode of the Art Marketing Podcast as we dive into an inspiring conversation with Tom and Mary Putt, a dynamic husband-and-wife team behind the Tom Putt Gallery. Discover how they navigated the challenges of running a photography business during the COVID-19 pandemic, leveraging creativity and resilience to thrive. Tom shares his philosophy of continuous improvement, while Mary discusses the importance of customer experience and effective sales strategies. Tune in for valuable insights on building a successful art business and the power of storytelling in connecting with your audience! (00:00) - Mindset for Success (00:48) - Introduction to Tom and Mary Putt (01:32) - Tom's Journey into Photography (05:06) - The Role of Mary in the Business (06:37) - Opening the Gallery (08:44) - Surviving COVID (10:38) - Continuous Improvement Philosophy (12:34) - Emotional Connection in Sales (14:18) - Customer Experience Focus (16:46) - Leveraging Digital Sales (18:00) - The Impact of AI on Business (20:10) - Using AI for Content Creation (22:20) - The Importance of Live Broadcasting (24:30) - Connecting with Customers Online (26:56) - Creative Marketing Strategies (30:10) - Storytelling in Wildlife Photography (32:30) - The Power of Live Video (35:02) - ROI on Gallery Space (37:04) - Future Focus on Broadcasting Tom's Website https://tomputt.com/ Tom's Instagram https://www.instagram.com/tomputtgallery/ Keep up with the latest https://linktr.ee/artmarketingpodcast Signup for a free account on ArtHelper and use my jazzy coupon code which is POD.  This will give you a free month of the Pro plan that has all the bells and whistles  

In this episode of The Innovation Show, host Aidan McCullen welcomes back esteemed guest Gary Hamel, celebrated business strategist and co-author of the revolutionary article on core competencies. They dive deep into the concept of competence-based competition, discussing the origins, importance, and modern applications of core competencies. Gary shares insights from his extensive work alongside CK Prahalad and reflects on how their ideas shaped corporate strategy. Using historical and contemporary examples, including Tesla and HAIER, they explore how focusing on deep skills can lead to enduring competitive advantages. This episode is a must-listen for anyone interested in innovation, strategy, and the future of business in a rapidly evolving world.   00:00 Introduction and Welcome 00:23 The Concept of Competence-Based Competition 01:24 Historical Context and Development 02:26 Core Competence and Strategic Implications 05:03 Challenges and Misinterpretations 13:37 Modern Examples and Applications 28:23 Strategic Conversations and Future Focus 35:12 The Danger of Viewing Companies as Product Sets 35:33 Intel vs. TSMC: A Strategic Misstep 37:56 Bounded Innovation and Core Competencies 38:49 Uber's Broader Vision Beyond Ride-Hailing 42:23 Amazon's Evolution from Online Retailer to Logistics Giant 43:21 US Car Makers' Myopia and Missed Opportunities 44:24 Historical Examples: Honda and Sony 47:01 Tesla: An Energy Company, Not Just a Car Maker 48:08 Microsoft's Myopic View and Missed Opportunities 56:00 The Importance of Organizational Flexibility 01:02:26 Encouraging Internal Innovation 01:08:42 Conclusion and Next Steps

Tune into this exclusive repost of the HIKE2 webinar featuring Peter Mulford and Peter Coffee, VP for Strategic Research at Salesforce. In this insightful session, they dive into the game-changing role of AI in transforming industries. From the shift to edge devices and AI's impact on the future of work, to the rise of quantum computing—discover how these groundbreaking technologies are fueling innovation and reshaping the business landscape. Don't miss out—listen now!

In a listener requested episode, Shani goes through why she uses managed funds and how she chose to use the investment product for the problems that it solves for her.Mark's Unconventional Wisdom column takes readers on a trip to Monte Carlo this week. He looks at the levers that investors can pull to have a more secure retirement, reducing uncertainty for investors. Shani's Future Focus column explores the trade offs that parents are making with private school. In an Investing Compass listener requested column, Shani explores the costs of Government, Catholic and Independent schools, and the impact that these costs can have on your financial outcomes. The concept of economic moats is central to how our analysts weigh up companies. In this week's Bookworm, Joseph taps a classic investing article on the idea of "legacy" versus "reinvestment" moats. As it turns out, the differences could explain why some companies are able to compound in value far faster than others.Australia is undoubtedly in a housing crisis with young, prospective homeowners feeling betrayed by our governments. This frustration can be attributed to appalling public policy failures that have proliferated demand in an already overpriced housing market. This week Sim explores the issue of housing affordability by looking at proposed solutions and their implications. To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

Making your money more focused on your future expenses, goals, and desires. We were inspired by the updates to the YNAB method to share these powerful questions and help your family become more intentional and proactive. Main themes from today's episode: Use these 5 questions to give every dollar a job for what matters to you What to do when you feel like everyone is coming for your hard-earned dollars Building a system so you can thrive Choosing whether to spend a hard-earned dollar now or put it to work with a productive asset 5 questions to ask: What does this money need to do before I'm paid again? What larger, less frequent spending do I need to prepare for? What can I set aside for next month's spending? What goals, large or small, do I want to prioritize? What changes do I need to make, if any? Links we mentioned today: YNAB (military discount) The updated YNAB method (no more 4 rules) Episode 58 w/ Jesse Mecham, founder of YNAB Kate Horrell's military pay day calendar Personal Finance Club's two variables- income and expenses Monarch Money (military discount) For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call. Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com. If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3. The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

This episode explores what to do when you receive an inheritance, and the options that you have when you invest. We consider paying off a mortgage and investing in and out of superannuation.Other episodes where we speak about inheritances include: Your options when you inherit a houseHow to incorporate an expected inheritance into a financial planThe documents you need to protect your assetsMark's Unconventional Wisdom column looks at a study showing investors that own passive products get lower returns. He looks at why this is the case and how investors can maximise their outcomes. In a reader requested edition of Bookworm, Joseph explored a simple stock valuation method that features in one of his favourite investing books. By putting the formula to work on an ASX company with household name brands, Joseph was reminded that even the simplest valuation tools are in fact highly complex. Many young investors find purchasing a home out of reach. They find that they are struggling with cost of living and have minimal amounts to contribute towards their investments. Shani's Future Focus runs through a framework that looks at different aspects of your life where you can still set financial goals to help your future self. As the days pass, young Aussies are straying further from being able to buy their own home. Amidst election noise, consistent house price rises and slowing wage growth - it appears there is no end in sight for Australia's housing crisis. Sim's column explores whether millennials can afford to buy a home and what salary they would need to achieve this goal. To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

Insurance is a necessary evil of a holistic financial plan. Some investors avoid enroling or reviewing their insurances.as it's a tedious task that provides no immediate benefit. It however, provides peace of mind and protection at some of the most vulnerable times of your life. It's important to optimise your insurance to make sure you are adequately covered, but also that you are minimising the costs. We go through the best ways to protect yourself.You can view the full article here.Mark's Unconventional Wisdom column focuses on AI this week. He explores why he's not intentionally investing in the AI trend, and why it may not live up to the expectations that investors may have. When it comes to buying individual shares, investors should seek to avoid big losers every bit as much as they vaunt potential winners. Joseph explores Pat Dorsey's "ten minute test" for cutting lower quality companies from consideration quickly. Does the familiar ASX name he puts under the microscope get pass marks? Find out in Joseph's Bookworm column. An Investing Compass listener has asked a question about why Shani invests in managed funds. Shani shows how she's based her investing strategy, and therefore her investing products, around what suits her goals and behaviour the best. Find out what Shani likes about managed funds in her Future Focus column.Ongoing cost of living pressures continue to weigh down on young Aussies trying to fulfil the Australian dream. This raises an important question about the financial viability of raising the next generation. Whilst the crippling price of homeownership is no secret, the cost of having a child is perhaps a lesser discussed issue. With birth rates on the decline, Sim explores whether the average millennial can afford to have children in the current economic climate.Interested in our investing course? Find it here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

In this episode of "Tennis Traverse," host Ivy Zhang delves into the aftermath of the Australian Open, analyzing the men's and women's finals. She discusses Jannik Sinner's dominant win over Alexander Zverev and Madison Keys' first Grand Slam title. Ivy highlights players to watch in upcoming tournaments, including Aryna Sabalenka, Paula Badosa, and Alex de Minaur. She also touches on the potential of newcomers Learner Tien and John Fonseca, and the challenges faced by established players like Daniil Medvedev and Andrey Rublev. Time stamps: Men's Final Reflection (00:00:00) Sinner's Dominance and Future Focus (00:01:16) Women's Final Highlights (00:02:27) Madison Keys' Mindset (00:03:25) Aryna Sabalenka's Attitude (00:04:38) Badosa's Resilience (00:05:58) Eva Lys's Breakthrough Performance (00:07:14) Belinda Bencic's Comeback (00:09:33) Jasmine Paolini's Consistency (00:10:50) Andreeva's Challenges (00:11:34) Rybakina's Coaching Situation (00:12:06) Naomi Osaka's Potential (00:12:40) Katie Boulter's Early Exit (00:13:17) Men's Final Analysis (00:14:30) Sinner's Future Goals (00:15:41) Djokovic's Unknown Factors (00:16:49) Alex De Minaur's Quarterfinals Run (00:17:50) Ben Shelton's Performance (00:18:59) Lorenzo Sonego's Upset Victories (00:20:05) Gael Monfils' Physical Challenges (00:21:25) Michelson's Impressive Run (00:21:50) Newcomers to the Tennis Tour (00:22:34) Andrey Rublev and Daniil Medvedev's Struggles (00:23:46) Casper Ruud's Clay Court Potential (00:26:16) Jannik Sinner's WADA Hearing (00:27:21) Links mentioned: Rybakina's article: https://www.nytimes.com/athletic/6034236/2025/01/02/rybakina-vukov-coach-suspended-wta-investigation/ Social Media: Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/tennistraverse/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/tennistraverse⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Youtube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@TennisTraverse/videos⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Linktree: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://linktr.ee/tennistraverse⁠ SUBSCRIBE TO MY NEWSLETTER: ⁠⁠https://ivannazhang428.substack.com/

In this episode, we look at the places where our system is failing some Aussies as it relates to super tax policy. We offer some guidance about what they can do until the system catches up.Find our weekly wrap below:Resilience can't compete with the popular portrayal of successful investors who stare down risk and are rewarded with mountains of cash. What is lost in this inaccurate portrayal is the impact of randomness on results.Mark's Unconventional Wisdom column goes through how to build resilience into portfolios and why it is important for investors.Shani's Future Focus column outlines the reasons why she doesn't hold cash. It ties in with reducing complexity in her portfolio, but she also runs through volatility, tactical allocations and inflation.As well as being a successful writer, Richard Koch is known for turning an early stage investment in Betfair into a nine-figure amount. In the latest edition of Bookworm, Joseph sees if Koch's Star Principle for investors, employees and entrepreneurs can be applied to finding promising companies in the stock market. As we head into the federal election this year, the rising cost of education and levels of student debt form a key battleground topic for voters. a sinking number of domestic enrolments indicate individuals are thinking twice before jumping into the higher education system, which begs the question - is university still worth it?Interested in our investing course? Find it here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here. Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

Welcome to a new episode of Get Creative! Your host, Jordan Whittenburg, sits down with Jamie Stone, a real estate investor based in Portland, Oregon, to discuss his journey into private money lending and the valuable lessons he's learned along the way. Jamie shares his experiences within the Gator Tribe and Subto communities, highlighting the importance of vetting borrowers, building partnerships, and diversifying your investment strategies.   Highlights: "If you're tired of sitting on the sidelines, it's time to secure your first deal. Join our thriving community of winners who take action and make their mark in the real estate industry."   "I think most, I would guarantee, most people, their investments would probably be the fund that's kind of targeted towards their age of retirement."   "If you can't get someone to go there, what you can do is get the borrower to go out on the street and show the houses on the street, to show the mailbox, and then show them walking in from the mailbox as proof."   "You can't do everything, and it's better to be focused, is what I'm learning."   Timestamps: 00:00 - Introduction 01:53 - Jamie Stone's Background and Transition to Real Estate 03:49 - The Appeal of Private Money Lending 07:12 - Successful Deal in Jackson, Georgia 11:04 - Navigating Challenges and Lessons Learned 15:57 - Importance of Vetting Borrowers 20:34 - Strategies for Vetting Borrowers 23:54 - Leveraging the Gator and Subto Communities 27:55 - Future Focus and Partnering Opportunities 30:04 - Conclusion   ► Join The Subto Community & Learn Creative Finance Directly from Pace:  https://paceapproves.com/subto-gc?utm_source=Apple&utm_medium=video&utm_campaign=getcreativepodcast  ► Want to Become a Private Money Lender? Join Us For The Upcoming LIVE Training this Saturday to Learn How to Lend Money on Real Estate Deals: https://pacejmorby.com/exclusive-training-new?el=yt&htrafficsource=desc&utm_medium=video&utm_source=Apple&utm_campaign=getcreativepodcast&utm_content=    ► Join Our Free Facebook Group to Connect with Pace and his Students: http://paceapproves.com/freefb-yt?utm_source=Apple&utm_medium=video&utm_campaign=getcreativepodcast    ► Become a Top Tier Transaction Coordinator and Make Money Doing The Paperwork For Real Estate Transactions: https://paceapproves.com/tttc-gc?utm_source=Apple&utm_medium=video&utm_campaign=getcreativepodcast    ► Listen To Pace and His Students Share Insider Secrets To Real Estate Investor Success: https://getcreativepodcast.com/    PLUG IN & SUBSCRIBE Instagram: https://www.instagram.com/pacemorby/  TikTok: https://www.tiktok.com/@pacemorby 

We go through a list of the assets that Mark doesn't hold. We get asked constantly about what's in our portfolio, but sometimes we find it even more insightful to explore what is deliberately excluded. You're able to find the full version of Mark's article here. How a huge ASX winner upset the odds: Many of the stock market's biggest winners come from companies that manage to dominate an important emerging industry. Australia's Car Group is one such company, yet its ascent was anything but likely. In the latest edition of his Bookworm column, Joseph taps Hamilton Helmer's 7 Powers framework to understand how Car upset the odds. The introduction of low-cost SMSF administrators means more and more investors are finding the control and freedom that self-managed super funds offer attractive. In her Future Focus weekly column, Shani looks at why an SMSF is not the right option for her now, and what would need to change for her to consider one. What happens to your super when you pass away sooner than expected? No one contributes to their super thinking about the implications for their children's ultimate battle with the ATO. This week, Sim explores the superannuation inheritance tax that children face upon the death of their parents. She examines three strategies to lighten the load of the inevitable tax bill.Interested in our investing course? Find it here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here. Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

In this powerful episode, Scott McInnes sits down with Emma Connolly, People and Culture Director at the Confederation of British Industry (CBI), to discuss the organisation's journey through a cultural crisis. Triggered by serious allegations against leadership, the crisis shook the foundation of the organisation, leaving employees and stakeholders grappling with shock and uncertainty. Emma takes us behind the scenes, sharing how the CBI responded, from holding transparent town halls to engaging with members and implementing a transformative cultural program. Discover the steps taken to rebuild trust and integrity, including co-creating new organizational values, introducing the Speak Up app, and prioritising leadership training. This candid conversation explores the challenges and triumphs of navigating a cultural reset and the ongoing commitment to embedding respect, courage, and brilliance into the workplace. Tune in for a masterclass in cultural transformation, crisis management, and leadership. Key Takeaways: Transparency is crucial in crisis management: The CBI held town halls to openly communicate with employees and stakeholders. New values reflect the organisation's aspirations: Integrity, respect, courage, and brilliance were co-created with employees. Tools encourage accountability: The Speak Up app was launched to empower employees to report concerns. Leadership shapes culture: Training for line managers became a priority to drive meaningful change. Long-term transformation takes commitment: Cultural change requires ongoing focus, even after the initial crisis response. Chapters: 00:00 Introduction to the Crisis at CBI 09:17 Organisational Response and Support Measures 17:32 Engaging with Members and Stakeholders 25:09 Implementing Change: Actions Taken 33:32 Measuring Cultural Change and Future Focus

In this episode we're going deep into the power of adopting a "future-focused" mindset. Listen in and learn how to balance living in the present moment with envisioning the version of yourself you want to become. I'll share actionable strategies for overcoming self-doubt, imposter syndrome, and conflict avoidance, helping you create a life that's better than before breast cancer™.   Key Takeaways: Future You Matters: Why stepping into the future version of yourself can transform your mindset and inspire positive changes. Reframing Conflict: Techniques to address difficult conversations and self-expression without fear. Action in the Present: How decisions made today can shape the path to a healthier, happier future. Emotional Awareness: Identifying the hidden benefits of staying stuck and how to move past them.   Resources Mentioned: Free 30-Day Self-Care Guide: One simple, effective step a day to bring more joy and self-love into your life. Becoming You 2.0 Program: An eight-week program designed to help you shift your mindset and create the life you want. Better Than Before Breast Cancer™ Life Coaching Membership: Connect with a supportive community and access group and private coaching sessions tailored to your recovery journey.   Quotes from Laura: “We don't get well in the same life we got sick in.” “When self-doubt shows up, get curious instead of giving up.”   Connect with Laura: Website: Breast Cancer Recovery Coach Social Media: Facebook, Instagram   Tags/Keywords: breast cancer recovery, future focus, self-care, emotional transformation, personal growth, imposter syndrome, conflict resolution, life goals, healing, self-love  

Start 2025 on a high note with this inspiring New Year episode of Better Business, Better Life! Host Debra Chantry-Taylor offers actionable strategies to help entrepreneurs define and achieve meaningful goals, setting the stage for a successful year ahead. Drawing from the principles of EOS, Debra introduces three transformative tools like the "Year in Review," clarity breaks, and personal scorecards to help you reflect on the past year, define clear priorities, and maintain accountability. She also highlights the importance of balancing professional and personal objectives, taking time to acknowledge gratitude, and using focused metrics to measure progress. So, whether you're planning your next business milestone or striving for personal success, these tools can help you build momentum and stay on track. Tune in to discover how EOS tools can make 2025 your most successful year yet! HOST'S DETAILS:         ___________________________________________         ►Debra Chantry-Taylor is a Certified EOS Implementer | Entrepreneurial Leadership & Business Coach | Business Owner ►Connect with Debra: debra@businessaction.co.nz ►See how she can help you: https://businessaction.co.nz/       ► Free Tools Download: The Year in Review Clarity Break Questions EOS Scorecard Chapters:   00:27 - Reflecting on 2024 and Looking Forward to 2025 03:04 - Setting Goals and Achievements for 2024 04:04 - The Importance of Downtime and Clarity Breaks 05:48 - Year-in-Review Tool and Questions 08:36 - Future Focus and Personal Performance 12:04 - Defining Priorities and Measuring Success 14:22 - Clarity Break and Personal Scorecard 15:38 - Final Tips and Encouragement

In this episode, I spoke with Beth Battaglino, President and CEO of HealthyWomen.org, a pioneering national women's health resource center. Beth shared her fascinating journey from program assistant at Columbia Hospital for Women to becoming a nurse and leading one of the first comprehensive women's health websites. We discussed the evolution of women's health information access, from mailing physical information packets to launching digital resources that reach millions.Beth emphasized HealthyWomen's commitment to providing medically vetted, accessible health information for women aged 35-64. We explored current focus areas including obesity treatment access, mental health support, and maternal care improvements. Beth highlighted the importance of partnerships in expanding reach and the power of real women's voices in health education.Timestamps:(0:00) - Intro(03:45) - Journey into Women's Health(12:20) - Evolution of Health Information Access(18:30) - Importance of Medically Vetted Information(25:15) - Maternal Healthcare and Support(32:40) - Current Women's Health Priorities(42:10) - Power of Partnerships(48:25) - Future Focus on Aging Smart and WellHost Bio:This podcast is hosted by Sherry DiBiase, a women's health physical therapist specializing in pelvic health, oncology care, and prenatal/postpartum health. With over 30 years of experience, she owns multiple clinics and is passionate about improving access to women's healthcare education and services.Keywords:Women's health, health education, maternal care, mental health, obesity treatment, medical information, healthcare access, aging well, partnerships, digital health resources, medically vetted content, women's advocacy, healthcare innovation, patient education, preventive care, postpartum support, healthcare technology

Tap to send us a text! What if you could map out your best creative year ever—one month at a time—starting today?In this episode, we're diving into 12 key themes designed to guide faith-focused creatives like you through 2025 with clarity, purpose, and consistency. Starting with January's “Spiritual Alignment” and ending with December's “Reflection and Renewal,” you'll discover how to focus your energy each month to build momentum and align your work with your values. Packed with practical tips and faith-filled inspiration, this episode will help you overcome procrastination, embrace new opportunities, and create sustainable growth throughout 2025, so you can experience your BEST creative year ever in 2025! Free Resource for Artists Considering Going ProIf you are thinking about becoming a full-time artist, you've got to ask the right questions. So we've created a workbook to help you figure out what you need to know before making the leap. Go to GodandGigs.com/questions to get your free download of this powerful and practical resource, and take the next step toward your creative dreams! Support the show OUR DEVOTIONAL PLAN ON YOUVERSION! Learn how to understand God's creative process and apply it to your life! Check out our new YouVersion Bible reading plan here! PODCAST MERCHGet God and Gigs themed gear, clothing and accessories HERE! GOT VALUE FROM THIS PODCAST? Exchange VALUE 4 VALUE! You can share: TIME: Send this episode to someone who you know would enjoy itTALENT: Email your art or music to add to our community to allen@godandgigs.comTREASURE: Tap HERE to pick an amount to support the podcast monthly, OR:Get a modern podcast app that allows you support us IN REAL TIME by sending us value digitally! Get a new podcast app that supports these new features HERE.

Mike Ferguson in the Morning 12-23-24 Steve Rupp, President of MO Right To Life, talks about future focus for pro-lifers in 2025 and beyond. More info here: https://missourilife.org/ NewsTalkSTL website: https://newstalkstl.com/ Rumble: https://rumble.com/c/NewsTalkSTL Twitter/X: https://twitter.com/NewstalkSTL Facebook: https://www.facebook.com/NewsTalkSTL Livestream 24/7: bit.ly/NEWSTALKSTLSTREAMSSee omnystudio.com/listener for privacy information.

As we close another year, join us in reflecting on KuppingerCole’s journey from a niche identity management focus to becoming a leader in the intersection of identity and cybersecurity. Discover exciting new initiatives like our Rising Stars Program and explore the challenges and opportunities shaping the future of the industry. Watch now and hear how we’re empowering the community with insights, innovation, and tools to thrive in a rapidly evolving digital landscape. Wishing you a safe and secure holiday season and a successful 2025!

Ready to design a personal brand that lights you up and leaves a lasting impact? Join me on January 2, 2025 for the Design Your Year Workshop, where we'll spend three days creating a vision that aligns your personal brand with your values and future goals > https://bebrightlisa.com/vision-2025/ Personal branding is aligning who you are with the future you're building. In this episode, we dive deep into creating a personal brand that reflects your core values and feels authentic to who you are, not just today, but in the vision you're creating for years to come. Here's what you'll learn in this episode: What Personal Branding Really Means: It's not about aesthetics—it's about energy, values, and the impact you're here to make. Why Authenticity Matters: How showing up as your truest self attracts the right people and opportunities into your life. The Future Focus of Branding: A personal brand is about building a foundation for your vision. What legacy or feeling do you want to leave behind? Practical Steps to Align Your Brand: Exercises to help you identify your values, embody your vision, and show up in alignment every day. My client shared: “Your work helped me discover the values I want my brand to embody, and now I wake up every day feeling aligned with my goals. I've never felt more like myself!” ****** Download the first 4 chapters of my best-selling book: Find Your Clear Vision for free! Go to my website Follow me on Instagram Connect with me on LinkedIn "I feel like Lisa created this podcast for me!" If that sounds like you, please consider rating and reviewing my show! This helps me support more people -- just like you -- to find their clear vision and bring it into the world. Here's how. Go to the show's page: Scroll to the bottom Tap to rate with five stars, and select “Write a Review.” Also, if you haven't done so already, follow the podcast. Be bright, Lisa

IN THIS EPISODE...Meet Frank Gartland, Chief Product & Technology Officer at Skillable, a visionary leader passionate about fostering meaningful organizational culture and delivering customer-centric products. He excels in team collaboration, strategic planning, and driving innovation. Frank thrives on mentoring others, aligning purpose with core values, and empowering individuals to reach their potential through impactful contributions.This conversation highlights Skillable's focus on hands-on learning, its role in building confidence through real-world experiences, and its client applications. Frank discusses his responsibilities, the balance between innovation and customer needs, AI integration, and the importance of clarity, collaboration, and meaningful contributions in driving Skillable's product strategy and leadership approach.------------Full show notes, guest bio, links to resources mentioned, and other compelling episodes can be found at http://LeadYourGamePodcast.com. (Click the magnifying icon at the top right and type “Frank”)Love the show? Subscribe, rate, review, and share! Learn more about us! https://shockinglydifferent.com/-------------WHAT TO LISTEN FOR:1. What does Skillable focus on to enhance learning experiences?2. Who are some of Skillable's notable clients?3. How does Skillable help build confidence in learning?4. What are Frank's responsibilities as Chief Technology and Product Officer?5. How does Skillable balance customer requests with development priorities?6. What challenges does Frank face in communication within his role?7. How does AI impact Skillable's product strategy?8. What concerns does Frank have about Skillable's organizational strategy?9. What is Frank's "lamp to your feet strategy"?10. How does Skillable ensure that hands-on work is validated?------------FEATURED TIMESTAMPS:[03:25] Personal Life and Family[04:51] Overview of Skillable and Its Services[06:24] Examples of Skillable's Client Usage[10:22] Frank's Role and Responsibilities[12:49] Balancing Customer Requests and Development[16:27] Signature Segment: Frank's entry into the LATTOYG Playbook: A Day in the Life of a CTO[20:16] Impact of AI on Skillable's Product Strategy[25:40] Concerns and Future Focus[28:33] Signature Segment: Frank's LATTOYG Tactic of Choice: Leading with Courageous Agility[32:40] Frank's Contact Information------------ADDITIONAL RESOURCES FOR YOU:Overview: Our Signature Leadership Development Experience: http://bit.ly/DevelopYourGame

What if you could turn end-of-year overwhelm into strategic success? In episode 171, Dr. James Bryant explores the critical challenge of year-end prioritization. He introduces a powerful Impact vs. Effort Matrix framework designed specifically for managing the unique pressures of year-end tasks. Through practical examples and a systematic approach, Dr. Bryant demonstrates how engineering leaders can make strategic decisions about what truly deserves their attention during the limited time remaining in the year, while considering both professional demands and personal commitments. [00:00 - 03:11] Setting the Stage: The Year-End Challenge Understanding the unique pressure of year-end task management Real-world example of an overwhelmed engineering manager Importance of strategic prioritization during limited timeframes [03:12 - 04:17] The Year-End Difference Recognition of compressed timelines versus regular scheduling Impact of holiday season on task completion Collision of multiple demands and deadlines [04:18 - 05:57] Understanding the Impact vs. Effort Matrix Introduction to the strategic prioritization framework Definition of impact and effort dimensions Four quadrants: Quick Wins, Major Projects, Fill-ins, and Avoid/Postpone/Delegate [05:58 - 08:12] Strategic Question Framework Assessment of time reality within remaining weeks Identification of key stakeholders and dependencies Evaluation of real consequences for task completion [08:13 - 11:18] The Four-Step Implementation Approach Morning power hour for quick wins Peak performance block for major projects Afternoon strategy for fill-in tasks End-of-day priority reassessment [11:19 - 12:35] Managing High-Impact Overload Introduction to the Power of Three method Strategy for vetting high-priority tasks Approach to managing task postponement [12:36 - 14:28] Action Steps and Future Focus Creating comprehensive task lists Applying the impact and effort framework Preparing for unexpected challenges Key Quotes:  "Look at your high impact list as if I could only complete three things by the end of the year, what would they be?" - Dr. James Bryant "Sometimes our engineering minds drive us to make things thorough and perfect, but perfection is not the goal right now." - Dr. James Bryant Join The Finish Strong Team:  https://www.engineeryoursuccessnow.com/finishstrong/ Engineer's Blueprint for success: https://www.engineeryoursuccessnow.com/engineers-blueprint/ Let's connect! Find me on my LinkedIn, Facebook, and Instagram. I'd love to hear from you. Sign Up for the Email List: https://bit.ly/3QFzcWW  You have the strength of a hero within you. Check out my website, www.engineeryoursuccessnow.com, and learn how to unlock your potential and achieve success both in business and in life.

Nana Murugesan, President of Matter Labs and former VP of Business Development at Coinbase, joins Camila Russo in this week's podcast to discuss the latest updates from ZKsync, including the recently launched Elastic Chain. He explains how ZKsync's approach to interoperability and customization aims to make Web3 infrastructure as seamless as Web2, emphasizing the importance of user-friendly experiences for mainstream adoption. Nana also highlights Matter Labs' partnership with Buenos Aires to bring ZK-backed digital identity to millions of citizens, showcasing a promising model for government and Web3 collaboration. Finally, he shares upcoming milestones for ZKsync, with new chains and collaborations in Latin America, gaming, and the creator economy. Chapters 0:00 - Introduction 0:17 - ZKsync and Elastic Chain 2:57 - Evolution of ZKsync 5:22 - Interoperability and Customizability in Web3 7:30 - User Experience 10:16 - The Role of Governments in Blockchain Adoption 14:41 - Digital Identity on the Blockchain 17:18 - Why Zero-Knowledge Proofs Matter 21:02 - Cost and Throughput Advantage of ZKsync 25:07 - UX and Interoperability Challenges 27:05 - ZKsync in Latin America 30:05 - Upcoming Projects on Elastic Chain 32:39 - Future Focus for Matter Labs 33:46 - Closing Remarks This episode was sponsored by: NEAR: https://redactedbangkok.ai/?utm_source=thedefiant&utm_medium=referral&utm_campaign=defiant&utm_content=newsletter Stellar: https://stellar.org/soroban?utm_source=defiant&utm_medium=cpc&utm_campaign=defiant_podcast ✨ Check out our new website ✨ https://thedefiant.io/

Welcome to Teeth & Titanium, Episode 48 - Find Your People with Dr. Justine Moe   This episode features:   Current events -   Feedback on OMFS in Crisis and Influencer status -   Rencontre Annuelle ASCBMFQ recap -   Wendall's solution to streamlining licensure  -   A call for a Canadian Match and standardizing reference letters   Fan Mail -   Middle East Correspondent Challenge -   O'Reilly, Blitzer, Rogan or Huberman -   Adult Disney   Interview  -   A range of topics with Dr. Justine Moe     Resident Reminder -   Diagnosis and management of Sialadenitis? -   What makes a strong or weak resident?   Journal Club -   Predicting the Future Focus of Orthognathic Surgery: Outcome-Driven Planning and Treatment With Function, Esthetics, and Occlusion as Key Indicators. -   Can a Low-Fidelity Arthroscopic Simulator Improve Technical Expertise in Performing Temporomandibular Joint Arthroscopy?   Recommendations -    Steaming the pigskin -    Omertà   Be sure to subscribe so you never miss an episode!   Apple / Spotify / Google / Online links   Thanks to the CAOMS for their continued support of this podcast. https://www.caoms.com   If you would like to contact us, be a guest, or would like to submit a topic for Resident Reminder or Journal club, please email us at: teethandtitaniumOMFS@gmail.com   Hosted by Dr. Wendall Mascarenhas and Dr. Oscar Dalmao Produced by Dr. Brad W. Ray   Articles/Books cited in this episode:   Miloro M, Han MD, Kwon TG, Xi T, Borba AM, Reyneke JP, Caminiti M. Predicting the Future Focus of Orthognathic Surgery: Outcome-Driven Planning and Treatment With Function, Esthetics, and Occlusion as Key Indicators. J Oral Maxillofac Surg. 2024 Oct;82(10):1329-1335.   Chou J, Tenaglia M, Ho A, Valenti J, Davis C, Choi D. Can a Low-Fidelity Arthroscopic Simulator Improve Technical Expertise in Performing Temporomandibular Joint Arthroscopy? J Oral Maxillofac Surg. 2024 Oct;82(10):1203-1211.   The Diversity Bonus: How Great Teams Pay Off in the Knowledge Economy by Scott Page   Behind Her Scalpel: A Practical Guide to Oral and Maxillofacial Surgery with Stories of Female Surgeons by Cathy Hung (Author), Rania Habib (Author), Leslie Halpern (Author), Victoria Mañón (Illustrator)   Women in Oral and Maxillofacial Surgery Network - Facebook Group   Cloud Cuckoo Land by Anthony Doerr

Stephen Grootes talks to Jakkie Cilliers about South Africa's economic outlook, uncovering scenarios that could boost growth to 3%.See omnystudio.com/listener for privacy information.

Disclaimer: This is sponsored content from Solana. Did you miss out on Breakpoint 2024? In partnership with Solana, Real Vision is releasing the best talks from Breakpoint 2024. *SPONSORED CONTENT* In this fireside chat, Ben Zhou, co-founder and CEO of Bybit, and Lily Liu, president of the Solana Foundation, dig into the founding story of Bybit, the differences between crypto exchanges, and more. Breakpoint is the annual gathering of the worldwide Solana community, hosted by the Solana Foundation. Breakpoint 2024 was held Sept. 20-21 in Singapore. For more information, go to solana.com/breakpoint. Timestamps: 00:00 | Introduction: Unfuck Your Future with Real Vision Community 00:21 | Raoul Pal's Bullish Sentiments on Solana Ecosystem 01:03 | Ben Zhou's Background and Bybit's Founding Story 02:11 | Differences Between Bybit and Other Exchanges 03:22 | Collaboration Between CeFi and DeFi 04:28 | Bybit's Web3 Wallet and Security Measures 06:01 | Bybit's New Solana LSD Product 07:09 | Solana's Diverse Staking Ecosystem 08:46 | Future Focus for Bybit: Web3 Wallet Development 10:27 | Speculation as a Gateway to Crypto Adoption 12:06 | Crypto Adoption in Argentina and Southeast Asia 13:23 | Crypto Usage Patterns in Southeast Asia 14:57 | Future of FX Markets On-Chain 15:26 | Bybit's New Product Launch: MT5​ DISCLAIMER The content herein is provided for educational, informational, and entertainment purposes only, and does not constitute an offer to sell or a solicitation of an offer to buy any securities, options, futures, or other derivatives related to securities in any jurisdiction, nor should not be relied upon as advice to buy, sell or hold any of the foregoing. This content is intended to be general in nature and is not specific to you, the user or anyone else. You should not make any decision, financial, investment, trading or otherwise, based on any of the information presented without undertaking independent due diligence and consultation with a professional advisor. Solana Foundation Foundation and its agents, advisors, council members, officers and employees (the “Foundation Parties”) make no representation or warranties, expressed or implied, as to the accuracy of the information herein and expressly disclaims any and all liability that may be based on such information or any errors or omissions therein. The Foundation Parties shall have no liability whatsoever, under contract, tort, trust or otherwise, to any person arising from or related to the content or any use of the information contained herein by you or any of your representatives. All opinions expressed herein are the speakers' own personal opinions and do not reflect the opinions of any entities. About Real Vision™: We arm you with the knowledge, the tools, and the network to succeed in your financial journey. Elevate your brand with Real Vision. Connect with us at partnerships@realvision.com to explore advertising possibilities.

In this episode, we sit down with Jennifer Cyphers, Founder and CEO of Pynwheel, to dive deep into how tour technology is changing leasing in the multifamily industry.  Jennifer shares how Pynwheel's innovative solutions, like leasing touchscreens and self-guided tour applications, are transforming the leasing process and boosting tour-to-close conversion rates. We explore the origin story of Pynwheel, how it evolved into a key player in leasing technology, and its role during the COVID-19 pandemic, where self-guided tours became essential.  Jennifer also discusses the current challenges multifamily properties face, from implementing digital access solutions to overcoming legacy systems, and how Pynwheel is addressing these with cutting-edge technology. Key Topics & Highlights: Discover how Pynwheel's self-guided tours and touchscreens are reshaping the leasing experience. Learn about the critical role of digital access solutions and the challenges of retrofitting older properties. Explore the impact of self-guided tours during the pandemic and their long-term viability. Understand the importance of data in decision-making and how over-reliance on it can lead to misguided strategies. Gain insights into the future of leasing technology and how Pynwheel is helping properties overcome staffing shortages with automation. Discover actionable strategies for improving your property's tour-to-close rates and staying competitive in a rapidly evolving market. Digible:⁠ ⁠⁠https://digible.com/⁠⁠⁠ Fiona: ⁠⁠⁠https://www.myfiona.com/⁠⁠⁠ Leave a Spotify Review: ⁠⁠⁠https://spoti.fi/3LfoEdU⁠⁠⁠ Leave an Apple Review: ⁠⁠⁠https://apple.co/3AA2zRj⁠⁠ (00:00) Introduction to Jennifer Cyphers and Pynwheel (01:47) Competitors and Market Positioning for Pynwheel (03:02) Origin Story of Pynwheel (07:16) Challenges with Implementing Self-Guided Tours (09:58) Importance of Digital Access for Vacant Unit Tours (11:10) Staged vs. Vacant Units: What Prospects Want (14:03) Digital Access and Self-Guided Tour Solutions (17:23) Costs of Retrofitting Digital Locks in Older Properties (19:15) Pynwheel's Current Product Lineup and Future Focus (20:33) How Self-Guided Tours Increase Conversion Rates (25:06) Retention, Churn, and Challenges with Transitions (28:51) Data and Its Role in Improving Leasing Technology (33:09) The Importance of User Experience with Touchscreens (35:44) Key Events and Their Impact on Pynwheel's Growth (40:12) Vendor Challenges and Long-Term Client Retention (44:08) The Importance of Behavior Change in Multifamily Leasing (46:16) Prioritization and Focus in Business Growth (49:11) Data and Standardization in Multifamily Real Estate (52:37) The Challenge of Mapping Data Across Systems (58:04) Data-Driven Decisions

Send us a textIn this live episode of The Mindset Cafe, we dive deep into the worries and stresses that keep us awake at night. Are they really as important as we think they are? Together, we'll explore how our concerns, both personal and professional, can shift over time, and how the things we stress about today may not hold the same weight in the future. We'll break down the mental traps that cause us to overestimate our problems and share strategies to reframe our thinking for a calmer, more focused life. Join us for a powerful conversation that will challenge the way you perceive worry and help you focus on what truly matters in the long run.Thanks for listening & being part of the Mindset Cafe Community.----------------------------------------------Connect With Devan:https://www.devangonzalez.com/connect----------------------------------------------Follow On Instagram https://www.instagram.com/devan.gonzalez/https://www.instagram.com/mindsetcafepodcastLet me know what topics or questions you want covered so we can help you achieve your goals faster.----------------------------------------------P.S. If you're not already a part of the The Mindset Cafe Community Page I would love to have you be a part of the community, and spread your amazing knowledge. The page is to connect and network with other like minded people networking and furthering each other on our journeys!https://www.facebook.com/groups/themindsetcafe/

On the day when the congregation will vote to elect the Pastor Nominating Committee, the morning's message will remind us that what we need the most, we already have, the hope that comes from believing.

If we want to make change in healthcare, we can't take a one-dimensional approach. We need a multifaceted plan. Having just celebrated its 100th anniversary, the American Heart Association (AHA) is pursuing that vision. Maria Whitman talks with Juliana Crawford, EVP of consumer health solutions at the AHA, to find out how the association is thinking about how policy, science and consumer education can fit together in a broad approach to solving healthcare problems. Highlights include:How the association is shaping its role as a convener to work more broadly to solve healthcare problemsWhy improving health literacy is a key step in improving patient experienceWhy it's important to take a lifelong view to improve cardiac health for womenWhy community involvement and partnerships are key to addressing health equity gaps and barriers related to social drivers of health

Debra Boblitt, a seasoned executive with over 28 years of business and leadership experience, shares her journey from corporate to entrepreneurship on the Finding Arizona Podcast with host Jose Acevedo. Debra emphasizes the importance of authenticity and leveraging personal strengths in leadership roles. Her passion for public speaking and her book on bold leadership, showcases her commitment to empowering others. Debra's episode on the podcast provides a wealth of knowledge for individuals contemplating a move from corporate to entrepreneurship or seeking guidance on personal and professional development.In this episode, you will be able to: Embrace the characteristics of a bold leader and stand out in the business world. Learn the essential steps for smoothly transitioning from corporate life to entrepreneurship. To learn more about Debra Boblitt's consulting services, visit her website at www.debraboblitt.com. For those interested in Debra's book Bold Mission, it is available for purchase on Amazon. To access the package that includes additional resources related to the book, visit boldmission by Debra Boblitt.com. https://www.youtube.com/youtube.com/channel/UCT1El4slg62CP_XGg_i23vA https://www.youtube.com/youtube.com/channel/UCT1El4slg62CP_XGg_i23vA https://www.linkedin.com/linkedin.com/findingarizonapodcast https://www.findingarizonapodcast.com/ https://www.twitter.com/twitter.com/findingarizona https://www.facebook.com/facebook.com/findingarizonapodcast The key moments in this episode are: 00:09:24 - Embracing Authenticity  00:12:46 - The Joy of Public Speaking  00:14:11 - Creating Impactful Presentations  00:15:19 - Motivation and Faith  00:20:07 - Writing and Publishing Process  00:22:48 - Practical Tools for Discovering Passion  00:38:09 - Future Focus on Bold Leadership The resources mentioned in this episode are: SUPPORT: If you love this episode, please share it with someone you know will also enjoy it! Not for us, but for our guests, leave a review on iTunes. While you are listening, post a screenshot on social media and make sure to tag @FindingArizonaPodcast so we can thank you! Leave us a five star review!  https://podcasts.apple.com/us/podcast/finding-arizona-podcast/id969100902?mt=2   Ready to start your own podcast? Found-House.com powered by The Finding Arizona Podcast is your best find! Want to be a guest or a sponsor of the show? Send us a message on the https://www.findingarizonapodcast.com/contact  SPONSORS:  Revitalize your self-care routine with Earth Based Body! Get 20% off your first online purchase at https://earthbasedbody.com/discount/FINDINGARIZONA. Embrace the goodness of nature for radiant skin! Upgrade your wellness game with Oura Ring! Enjoy $40 off your purchase using our exclusive link: https://ouraring.com/raf/a6bde107b4?utm_medium=iac. Elevate your health and sleep tracking now!  Score a $20 discount on your SeatGeek tickets with code FINDINGARIZONA. Catch your favorite events live from seatgeek.com

For years, we've been talking about upgrading the communications function - or at least modernizing it, bringing comms into parity with their Marketing colleagues. Embracing technology is the most visible part of this journey. But what good is technology - project management tools, social media management tools, intelligence and analytics software, email automation, and now Generative AI - without the people to drive it? You can't conquer the frontier of CommsTech without capable pioneers.   In this episode of The Trending Communicator, host Dan Nestle reconnects with award-winning strategic communications leader and all-around CommsTech pioneer Megan DiSciullo, Senior Managing Director of US and Mexico Communications for PwC. Megan shares her extensive experience in communications, her journey from Edelman to PwC, and her insights on ethically integrating technology, particularly Generative AI, into corporate communications. Join us as Megan shares her journey from the ground up in the world of strategic communications as she and Dan explore the transformative role of generative AI and CommsTech in today's corporate landscape. From her early days at Edelman to her ever-expanding remit at PwC, Megan has consistently been at the forefront of innovation, advocating for the ethical use of AI while enhancing strategic communications across the board. This episode delves deep into how AI is reshaping the way we think about internal and external communications, the importance of ethical frameworks, and the potential of AI to streamline operations and create a more dynamic corporate environment. Megan's insights provide invaluable lessons on embracing change, leveraging technology for enhanced communication strategies, following an ethics-first approach, and AI's critical role in driving corporate narratives forward. Whether you're a communications novice or a seasoned professional, this episode offers a treasure of knowledge and inspiration, showcasing how embracing technological advancements can significantly elevate your strategic communication efforts. Don't miss out on this insightful exploration of AI's impact on the future of corporate communications and how you can be part of this evolution in the industry. Listen in and hear about... The evolving role of communicators in shaping internal culture and driving organizational change Strategies for integrating AI into corporate communications and the importance of secure, enterprise-specific tools How ethical considerations and policy development are important in AI deployment to maintain trust and data security AI's impact on productivity and efficiency, freeing up communicators to focus on higher-level strategic activities The necessity for ongoing learning and adaptation within the communications field to leverage new technologies like AI The collaborative approach required to implement AI across various organizational functions effectively The potential of AI to democratize learning and innovation within organizations, fostering an environment of continuous improvement and engagement  Notable Quotes   On the Value of Kindness in Business: "One of my mentors told me early on, Megan, always be direct, so people know where you stand and there's no misinterpretation. But always be kind, because you never know when you will need people or just, this is a business of teaming. And so, you know, people want to work with people who are kind." — Megan DiSciullo [00:08:43 → 00:09:05] On the Role of Data in Communications: "Data is the ultimate neutralizer. Whether the data is coming from the comms team, the marketing team, or from our client insights team. The data is telling us key insights about our audience that we need to know." — Megan DiSciullo [00:27:19 → 00:27:35] On the Importance of Change Management: "It makes for sometimes an uphill battle. And that's where change management culture change really needs to happen. And there's no amount of money, I think, that you can put down on the value of pilots and tests and stuff to kind of use that data and sort of show examples and gain permission and gain buy in over time." — Dan Nestle [00:31:15 → 00:31:35] On the Importance of Change Management: "If you put out, even if it's a tech product that's in the 1.0 version and it's not a good experience, you've lost people. So it doesn't matter how many times you communicate about it if the experience isn't great, especially in today's world where people have little appetite and little patience." — Megan DiSciullo [00:35:22 → 00:35:42] On the Role of AI in Enhancing Productivity: "Once you understand, okay, all prompting, and this is what it is, and this is what it means. That's that kind of first initial wall to get through with the user with the AI partner. And once they get through that wall, then it's about, oh, my goodness, I'm going to save all this time." — Dan Nestle [00:45:39 → 00:46:00] On the Future of AI in Communications: "I see Gen AI, at least in its current function and form, to be a productivity and efficiency tool. There is still a need for really great counsel, really great crisis management skills, really great relationship building skills, really great dot connecting skills." — Megan DiSciullo [00:48:39 → 00:48:55] On the Future of Communications: "AI is an enabler with that, of course, because a lot of the fundamental tasks that people associate with typical traditional comms can be essentially handed over to, at least at the first level, to these brilliant, co creative, co intelligent platforms, and then brought back to the human to make sure that it's all good to go, but it saves a lot of time, much more productive." — Dan Nestle [01:02:13 → 01:02:35] On the Evolution of the Communications Profession: "I started faxing press releases. I am so far from a fax machine and loving it. But I'm now learning the next skill, and in ten years, I'm going to learn something that we haven't even started to think about. And that is the beauty of this profession." — Megan DiSciullo [01:04:47 → 01:05:00]  Resources and Links Dan Nestle The Trending Communicator | Website Daniel Nestle | LinkedIn Dan Nestle | Twitter Megan DiSciullo Megan DiSciullo | LinkedIn Timestamped key moments from this episode (as generated by Flowsend.ai) 00:00:01: Introduction and Welcome 00:01:41: Megan DiSciullo Joins the Conversation 00:02:19: Early Career and First Impressions 00:03:21: Transition from Edelman to PwC 00:04:22: Predictive Analytics Project 00:05:25: First Meeting with Megan 00:06:08: Megan's Reaction to Predictive Analytics 00:08:43: Megan's Philosophy on Kindness and Teaming 00:10:16: Importance of Kindness in Business 00:11:06: Megan's Career Journey 00:12:07: Early Interest in Purpose and Ethics 00:13:09: Work with Business Roundtable Post-Katrina 00:14:10: Transition to PwC and Building Internal Change 00:15:12: Merging Internal and External Communications 00:16:14: Introduction to Comtech 00:17:15: Commtech vs. Commstech 00:19:41: Data and Analytics in Communications 00:21:13: Building the Tech Stack 00:22:15: Embedding Technology into Workflows 00:23:17: Audience-Centric Approach 00:24:05: Partnership Between Marketing and Communications 00:27:19: Navigating Conflicts Between Teams 00:30:13: Change Management and Culture Change 00:32:16: Integrating Marketing and Communications 00:33:22: Expanding Teams and Data Science 00:35:26: Importance of Pilots and Feedback 00:37:33: AI Implementation and Upskilling 00:39:21: Team Effort in AI Training 00:40:31: Hands-On Training and Gamification 00:42:02: Democratization of Learning 00:43:03: Bespoke Tools for Marketing and Comms 00:45:07: Mass Personalization with GenAI 00:47:12: Empowering Teams with AI 00:48:39: Encouraging Innovation and Experimentation 00:50:49: Framing AI as a Co-Intelligence 00:54:46: Ethical Implications of AI 00:57:02: Building Trust in AI 00:59:15: Transparency and Validation in AI 01:00:43: Future Focus for Communicators 01:02:13: Role of Communicators in Culture Building 01:03:53: Embracing Curiosity and Learning 01:04:48: Final Thoughts and Farewell     (Notes co-created by Humans and a variety of AI helpers, including Fireflies.ai and Flowsend.ai)

In this episode, I speak with Edwin McClure, CEO of Bio520, who shares his journey from finance to the world of indoor agriculture. Edward's story is one of passion and perseverance, moving from Miami to San Diego, and eventually diving into the agtech space. We discuss his background in finance and how it shaped his approach to business, emphasizing the importance of efficiency and profitability. Edward's love for entrepreneurship shines through as he talks about his early ventures and the lessons learned along the way, making this conversation both insightful and relatable for anyone interested in business and innovation.Edwin also delves into the specifics of Bio 520, a product developed in Japan that has shown promising results in the indoor ag industry, particularly in cannabis cultivation. He explains the meticulous process of finding the right product and the importance of having a solid team to bring it to market. We touch on the challenges and rewards of starting a new company, the significance of collaboration in the agtech space, and the exciting potential of new technologies like AI and robotics. Join us as we discuss the intersection of finance, entrepreneurship, and agriculture, and it offers valuable insights into the future of indoor farming.Thanks to Our SponsorsBio520AgTech Weekly Review Key Takeaways00:06:16: Early Interest in Business and Finance00:10:17: Importance of Financial Discipline in Business00:12:32: Discovery and Development of Bio 52000:18:44: Incremental Improvements in Agriculture00:23:21: Experience at Indoor Ag-Con00:26:27: Ideal Clients for Bio 52000:30:21: Building a Team and Hiring Strategy00:36:43: Key Decisions as a CEO00:39:36: Future Focus and Industry Trends00:42:55: Final Thoughts and Collaboration in the IndustryTweetable Quotes"I've always been interested in business, you know, small companies, and there's nothing more American to me than some guy or woman putting it on the line, blood, sweat, and tears, and trying to create something out of nothing.""Until you have had to meet a payroll and not pay yourself because there wasn't quite enough money for both, you're not really an entrepreneur.""You can't do everything well. If you can focus and do one thing really well, you can make money, and then you can start looking at this other stuff. But if you try to climb all five mountains at once, you're going to fall off and die."Resources MentionedWebsite - http://bio520usa.com LinkedIn - https://www.linkedin.com/company/101683174/admin/feed/posts/Instagram - https://www.instagram.com/bio520usa/Connect With UsVFP - LinkedIn - https://www.linkedin.com/company/verticalfarmingpodcastVFP Twitter - https://twitter.com/VerticalFarmPodVFP Instagram - https://www.instagram.com/direct/inbox/VFP Facebook -

Mark Reed-Edwards: My guest on Confessions of a Marketer today is Ed Evarts—author of The Bravery Trick: Four Ways to Say Hard Things. The book has been praised by scholar Amy Edmonson of Harvard Business School as untangling the behavior of bravery in ways that allow us to move forward. The Bravery Trick (https://www.amazon.com/-/es/Ed-Evarts/dp/1734500441) is available on Amazon. Ed is the founder and president of Excellius Leadership Development, which focuses on helping its clients build awareness of how others experience them in the workplace so they can manage that experience effectively. He's written two other books and is host of the Be Brave at Work podcast. If you're wondering what bravery has to do with marketing, well, everything, really. So be brave and keep listening. I've also known Ed for longer than I'd care to admit, but it's great to have him here. Ed, welcome. Ed Evarts: Thank you, Mark. I think we met when we were toddlers, or at least. Mark Reed-Edwards: Yeah, preschool. Yeah. But anyway, we won't go into that. Could you tell me a bit about your career and what led you to found Excellius? Ed Evarts: So I spent a number of years post college working in retail and worked for a number of local New England retailers, Jordan Marsh, Filene's and Lechmere, who are all gone. I left retailing in 1998 and began working at a records management company called Iron Mountain. I was at Iron Mountain for almost 10 years. I got laid off from Iron Mountain in 2008 and was at a juncture in my life where I really didn't want to work for a company any longer. And so I spent that summer networking and talking with people about how to start your own business, which for somebody who had been employed with others for my whole career, I had no idea how to start my own business and what to focus on. So I did that that summer. And then in the fall of 2008, decided to open up my own practice, which at first I called Evart's Coaching because I wanted people to know who I was and what I was doing. And then two to three years later converted it to Excellius Leadership Development. Mark Reed-Edwards: It's funny how layoffs can have a catalytic effect on your life, not just economically, but sometimes success can come out of the hardest points in your life. Ed Evarts: Well, I have built a new relationship with the person who laid me off at iron mountain. And just to tell that story quickly: my performance review was late and this boss called me and said, "Ed, I'm ready to give you your performance review. Can you come to my office at four o'clock today?" And I said, "Sure." So I was excited to get my performance review. I went into her office and I sat down and she said, "In reality, Ed, I'm not here to give you your performance review. I'm here to let you know that we've made a decision to eliminate your role at the company." So for that day and for a few years following it, it was the worst day of my professional career. And I can say with all honesty, Mark, 16 years later, it was the best day of my professional career because they kicked me out and I had to make some decisions, which I was not anticipating needing to make. And it just opened up a whole slew of opportunities. And I joke, I think today I'd still be at Iron Mountain if I didn't get kicked out. And so to your point, it was you know, a great, great opportunity that at first felt horrible. Mark Reed-Edwards: I have a similar story, which we won't go into, because this is all about you, Ed. So, I'd love you to share the story about your podcast, Be Brave at Work. Ed Evarts: So I would say about five years ago, I had coffee with a colleague that I worked with at Lechmere, I think 20 years previously. And so when I left Lechmere, this person and I did not stay in contact at all. And then when I left Iron Mountain in 2008, we began connecting virtually. And so said hi on LinkedIn and checked in on LinkedIn. And I think about 10 years after that, he said, let's go get a coffee, let's catch up and hear what's going on in our careers. So we met for a cup of coffee at the proverbial Starbucks in Waltham and we were updating each other on our careers. And he told me he was starting a podcast production company. And I said something innocent, like, "Wow, I've always wanted to start a podcast." And he said, "Gee, Ed, what would it be on?" And I said, I really believe without missing a beat, "I think I'd want to talk about being brave at work." And so that wonderful colleague who I met and who sparked this idea of being brave at work is none other than the great Mark Reed-Edwards. Mark Reed-Edwards: No, that's me? Ed Evarts: That's you. Mark Reed-Edwards: That was a really interesting conversation that we had, because it was, quite innocently, it was just a couple of people who hadn't seen each other in 20 something years, just grabbing coffee and updating them. And it shows the value of meeting face to face and just having conversations with no pretext and what can come from that. Out of the conversation rose Be Brave at Work. Ed Evarts: Yeah. And it was a great combination, Mark, between your sincerity and interest in helping me kick off a podcast and making it work, and my commitment and interest in doing it, that led me to host almost 270 conversations with business leaders and professors and many average everyday people on bravery at work that ultimately led me to author the book that you mentioned earlier that came out in May of this year called The Bravery Trick. So all of that started with this innocuous, innocent little cup of coffee at a Starbucks. Mark Reed-Edwards: And was the book something that was kind of percolating as you were producing episode 50, or was it something that when you got through all 270 or whatever it is that you thought out of that, I should be able to get a book. When when did the book start rising up as an idea? Ed Evarts: So I don't know at what podcast the idea started to generate, but I did have one of those moments where I said, "You know, there's a book here. I'm hearing similar theories and philosophies and experiences from real people in the real world." So this isn't stuff I just sat back and created in the, you know, the confines of my office, but in listening to people and their experiences and the regret that they felt not saying something that was hard to say or doing something that was hard to do that I thought could result in a book. I'm a big fan of the number three. And so, as you mentioned I needed a third book in order to satisfy my need to do things in threes, and so this became the recent book. Mark Reed-Edwards: And the book is fascinating. I got it over the weekend. And I'm interested as I page through it, there is a section on Reasons to be Brave. Can you go into that and share a bit about the reasons we should be brave? Ed Evarts: When I wrote the book, Mark, I really wanted to write it in a way that can connect with everyday, average people. I didn't want it to be too professorial or 800 pages, but I wanted it to be kind of a simple, easy to understand, easy to read, overview of ideas and suggestions on how you could be brave at work. And there are an innumerable number of benefits that we lose or don't take advantage of for ourselves by not being brave at work. So for example, in the book, I talk a little bit about spiritual development that by being brave at work and saying something that's hard to say to a colleague or doing something that might be hard to do can actually help you feel better because you get it out of your head and out of your system. It might be something that's stressing you out or making you feel uncomfortable. And if you never do anything about it, it might cause you to make bad decisions. So there's a spiritual development that can happen by saying something to a colleague that can be helpful to them. There's also mental development, right? So, saying something that may be hard to say or doing something that may be hard to do helps build your mental capacity as a leader. We all want to be effective, impactful leaders and yet we can't get there unless we're doing things that help us grow and evolve. And, you know, I love and I mentioned in the book a quote from former first lady Michelle Obama who said, "Through my education, I didn't just develop skills, I didn't just develop my ability to learn, I developed confidence." And so there's this ability mentally to be more confident with what you do and who you are. And then the last benefit is physical development. That there's this whole brain arena that I touch on quickly but don't go into great detail that allows certain things in your brain to work in a way that helps you grow and develop. So it helps you physically be brave at work. It helps you spiritually and it helps you mentally say things respectfully and professionally at all times to a colleague, friend, a next door neighbor, a family member, whoever it might be in ways that help them. Mark Reed-Edwards: But are there things that an organization, a company, can do to encourage bravery? To encourage me as an employee going to my manager with an idea that could help the company. In some cases that dynamic between the employee and the manager is fraught because the employee is afraid to raise his or her hand to make a suggestion because it might get shot down, you know, even though the employee might think it's a great idea. Ed Evarts: You're dead on. And one of the obstacles that currently exists to being brave at work is: does our culture recognize it or honor it? And if I work in an organization where raising my hand and making a suggestion is not well received or is not honored or respected, my likelihood for doing it even if I want to do it is diminished. And so in the book I talked a little bit about the fact that being brave at work is a two way street. I need to have the skills and capabilities to say what I need to say or do what I need to do in a very helpful and respectful way. But I need to know that the other person is going to receive it well. If I wanted to tell you something, Mark, that I think is hard to say, or I'm not sure if you're going to receive it well, but we have a great relationship, you know that I want to help you, I'm motivated to help you, your likelihood for listening and participating in that is significantly more likely than if you're not that way, right? That if I think it's just going to fall on deaf ears and won't make a difference. So the culture we exist in is significant, and ironically, the person you mentioned at the start of the podcast, Amy Edmondson, Is an expert--global expert--on something called psychological safety, which is this arena or culture we create where I can be who I need to be professionally and respectfully. But if I'm at a meeting and I need you to repeat something or I need to make a recommendation that's controversial, I can do it without feeling judged or belittled or get, you know, people getting defensive or argumentative. So the culture we create is super important to ensure people can be brave at work. Mark Reed-Edwards: So, yeah, boy, it's such a big topic in marketing, I think, which is where I've made my living because we're always trying to come up with ideas, be creative or present data that may not be what our superiors want to hear. So I'm going to encourage everybody I know in marketing to pick up this book. So can you share a bit about the Bravery Trick Model? Ed Evarts: I can, but before we go there, Mark, I'm just curious as you talk about individuals who focus on marketing or have a career in marketing, do you believe that all of them have opportunities to be braver, to say something that might be hard to say, or do something that might be hard to do --respectfully and professionally at all times? But I mean, do you think these opportunities exist out there for people who focus on marketing? Mark Reed-Edwards: Oh yeah. And I mean, in my area, it's all about ideas. So when I present a concept, sometimes you're maybe a little hesitant to say, well, here's my real idea. You're trying to gauge what the reception would be for an outlandish idea. And so maybe you go with a safe option. Ed Evarts: Yeah, I am not an expert in marketing, but based on my expertise in bravery, I have to believe that marketing and the activity of marketing, especially this model of idea creation requires bravery constantly, that you constantly... Mark Reed-Edwards: Mm hmm. Ed Evarts: ...have to say, "wow, great idea. This is going to be very interesting or controversial. How do I present it? How do I share it with others? What way can I engage others in respect to adopting this idea or at least considering it, right? How do I make it a candidate for something that we want to do?" Mark Reed-Edwards: It requires bravery to press send on an email campaign. It requires bravery to push a website live after you've totally renovated a website. It requires bravery for me as, you know, someone who makes a living as a writer, sometimes to send a draft to a client. But, but you do those things as a matter of course, maybe you don't even think that it's brave to do that. Ed Evarts: Yeah, I think a lot of times we do things that others think require bravery and we ourselves don't. Or required a ton of bravery that people think were easy to do. So bravery is complex in respect to its existence in the workplace. And again, I hope people find time to purchase the book and think about some ideas. And I want to go back to the question you asked earlier, which was the bravery trick model. So based on the feedback that I heard from the people I interviewed in the podcast, we also did a survey of the marketplace in respect to bravery as it exists in the workplace. My own experiences being a corporate leader for 20 plus years, and my relationship with clients for the last 16 years in all different industries at all different levels. You know, the model is essentially made up of four areas, which is Practice, Presence, Future Focus, and Flexibility. If you practice what it is that you want to say, that you're very present at the meeting, and ensure the person knows that you're all in on what it is that you're talking about, that you focus on the future, you focus on where you're going, not where you've been, and you're flexible with the outcomes and decisions and next steps, your likelihood for being brave at work is increased. Mark Reed-Edwards: The thing that I like about the book is that it's really easy to follow. So as you said, you know, it's not a 400 page treatise on bravery. It's a really approachable, well organized book. So I recommend people go out and get it on Amazon right now. Finally, and maybe this is where marketing and bravery intersect: what's the experience of marketing and launching a book? That took some bravery, I would think, right? Ed Evarts: I don't know if it took bravery. It certainly took diligence but yeah, I mean, you know, bravery again is very hard to define and very hard to understand what again might have been a brave thing for me. You know, there are some people who going to a networking event is bravery for them. It's very hard to walk into a room with people they've never met and interact. And many people don't even do it because of that reason. For me, I could walk in and, next thing, you know, I've got 10 new best friends. So it's a no brainer, but you know, I think it's diligence and persistence. I think all books need to have some type of model or premise that you're operating around that you want to share. Everything I write, Mark is designed to educate and help others. And that's why it's written in the way that it's written. I've been a big fan of business books throughout my career. I've read a million business books, and the ones I remember most, and the ones that I'm most attracted to and go back to, are the ones that are simply written, right? They're written by people for people. And they're, again, they're not this 400 page, you know, encyclopedia type book on whatever topic it is that you're reading. Like you, I hope folks have an opportunity to read it and walk away with one or two ideas that they can integrate into their style that will help them be braver at work. Mark Reed-Edwards: Well, it's great, Ed, and it's great reconnecting with you after a while. I hope the, the book continues to do well, and I wish you luck in the future. Thanks for joining me. Ed Evarts: Thanks, Mark. It's been great chatting with you. Mark Reed-Edwards: We'll see you on the next Confessions of a Marketer.