Podcasts about Gic

David Stanford is a founder and Enterprise Managing Consultant with RealFoundations and brings over 35 years of experience providing strategic financial and operational improvement services to clients in the property and building industries. David is the Chief Growth Officer of RealFoundations, with the primary responsibility to initiate new solutions and grow the RF Network of people, partners, clients, and industry participants. He is also responsible for the corporate development activities of the firm. Additionally, he is responsible for implementing the global presence and alliance program of RealFoundations. David is highly experienced in providing large-scale operational and digital improvement services to private and global real estate owner/operators and institutional investors. He has directed client teams in the execution of large business improvement projects, long-range digital capital plans, packaged technology selections, and solution implementations. David is also highly experienced in assisting management teams with strategy, development, and operating model transformations. Some of his clients include the most respected real estate organizations in the world, including Blackstone, GIC, J.P. Morgan, Greystar, Walmart, KIMCO, Hines Interests, Brookfield and Invitation Homes. Prior to founding RealFoundations, David was a Partner of Ernst & Young's real estate practice in Dallas. He also worked in the Transaction Advisory group of Kenneth Leventhal & Company. David graduated from Baylor University with a BBA in Finance & Accounting.

Com o recente investimento do fundo soberano de Singapura, o GIC, a farmacêutica Cimed está em plena aceleração de sua estratégia de crescimento. A empresa amplia a atuação de forma diversificada: das tradicionais vitaminas ao botox, da inteligência artificial que facilita o acesso às bulas de medicamentos até o fortalecimento da presença no universo esportivo. Neste mês, a Cimed marca presença no cenário internacional ao apoiar a Kings League, que realiza seu mundial em Paris. Esse movimento reforça o compromisso da empresa com o esporte, que já inclui o patrocínio da seleção brasileira de futebol e de outras modalidades. E claro, é impossível falar da Cimed sem mencionar o fenômeno Carmed — o brilho labial que virou febre entre os consumidores. No episódio de hoje do podcast Insights, vamos conhecer mais de perto essa trajetória de inovação e ousadia. A conversa é com Juliana Felmanas, diretora de Relações com Investidores e Estratégia do Grupo Cimed, que compartilha como a nova geração da família fundadora está impulsionando os negócios com uma visão moderna e conectada ao consumidor. Também participa da mesa Renato Salvador, superintendente do Bradesco BBI, com mediação de Priscila Forbes, banker do Bradesco Global Private Bank. Acompanhe este bate-papo sobre estratégia, inovação e o futuro da indústria farmacêutica no Brasil. O conteúdo exposto pelos convidados externos não representa, necessariamente, a opinião e as práticas utilizadas pelo Bradesco. #inovacaofarmaceutica #empreendedorismojovem #CimedEmAlta #EsporteENegocios #BelezaComCiencia #carmed #farmaceutica #remediosSee omnystudio.com/listener for privacy information.

Atenção (disclaimer): Os dados aqui apresentados representam minha opinião pessoal.Não são de forma alguma indicações de compra ou venda de ativos no mercado financeiro.Anac redistribui slots da Voepass em Congonhas e Guarulhoshttps://www.poder360.com.br/brasil/anac-redistribui-slots-da-voepass-em-congonhas-e-guarulhos/CPI dos EUA sobe 0,2% em abril ante março e taxa anual fica em 2,3%https://istoedinheiro.com.br/cpi-dos-eua-sobe-02-em-abril-ante-marco-e-taxa-anual-fica-em-23/Méliuz (CASH3) obtém aprovação de acionistas para investir em bitcoin e compra mais US$ 28,4 milhões da criptomoedahttps://www.moneytimes.com.br/meliuz-cash3-obtem-aprovacao-de-acionistas-para-investir-em-bitcoin-e-compra-mais-us-284-milhoes-da-criptomoeda-kda/BREAKING: Marfrig e BRF anunciam fusão e preveem sinergias de R$ 800 mihttps://braziljournal.com/marfrig-e-brf-anunciam-fusao-e-preveem-sinergias-de-r-800-mi/Família Dubrule desiste de OPA para adquirir dona de Mobly e Tok&Stokhttps://neofeed.com.br/negocios/familia-dubrule-desiste-de-opa-para-adquirir-dona-de-mobly-e-tokstok/Havaianas e Dolce&Gabbana retomam parceria com nova coleção limitada de chineloshttps://exame.com/marketing/havaianas-e-dolcegabbana-retomam-parceria-com-nova-colecao-limitada-de-chinelos/BRAZIL JOURNAL: Actis e GIC anunciam oferta para fechar o capital da Serenahttps://istoedinheiro.com.br/actis-gic-serena-fechar-capital/Justiça inocenta XP em prejuízos envolvendo fundos da Infinityhttps://www1.folha.uol.com.br/colunas/painelsa/2025/05/justica-inocenta-xp-em-prejuizos-envolvendo-fundos-da-infinity.shtmlChapter 11 volta ao radar da Azul para equacionar estrutura de capitalhttps://pipelinevalor.globo.com/negocios/noticia/chapter-11-volta-ao-radar-da-azul-para-equacionar-estrutura-de-capital.ghtmlBrechas que permitiram fraudes no INSS começaram em disputa política no Congressohttps://podcasts.apple.com/br/podcast/brechas-que-permitiram-fraudes-no-inss-come%C3%A7aram-em/id203963267?i=1000708318852Qatar Force Onehttps://podcasts.apple.com/br/podcast/qatar-force-one/id1200361736?i=1000708436253‘Um pedido de ajuda para intervenção no TikTok é realmente inacreditável, diz Merval Pereira sobre Lulahttps://podcasts.apple.com/br/podcast/um-pedido-de-ajuda-para-interven%C3%A7%C3%A3o-no-tiktok-%C3%A9/id203963267?i=1000708618507

This episode is sponsored in part by Dalia—Talent teams are sitting on a powerful asset: candidate and lead data in their CRM. But knowing how—and when—to convert those leads into applicants and hires? That's the hard part. That's why Dalia is offering a free CRM Audit to help you unlock more value from the systems you've already invested in.…. Go to dalia.co/rectechcrm to get your free CRM audit today AND by jobcase, Jobcase is an online community where workers of all kinds – like hourly employees, tradespeople and healthcare technicians – access jobs, make connections, and support each other in any aspect of their work life.Visit jobcase.com/hire and tap into their 120 million strong  job seeker network Glider AI, the Skills Validation Platform™, today announced the launch of Agentic AI Interviews, a breakthrough solution that delivers real-time, human-like interviews in multiple languages—validating skills for any role through dynamic, two-way conversations and real-world tasks. https://hrtechfeed.com/glider-ai-launches-agentic-ai-interviews/ Yello, a leading provider of early talent acquisition software solutions, announces the launch of Hello App, a new mobile app to help employers create personalized and branded event experiences for candidates.  https://hrtechfeed.com/yello-launches-hello-app-for-campus-recruiting-events/ Cronofy, a UK-based provider of embedded interview/meeting scheduling infrastructure, has secured a £15 million investment from BGF, one of the UK and Ireland's most active growth capital investors. The funding will support Cronofy's ongoing expansion and product development as it continues to streamline complex scheduling processes for businesses globally. https://hrtechfeed.com/cronofy-lands-big-investment/ Rippling has raised $450M in new financing and signed agreements to repurchase up to $200M of equity from current and former employees. The financing includes investment from Elad Gil, Sands Capital, GIC, Growth Equity at Goldman Sachs Alternatives, Baillie Gifford, and Y Combinator, along with participation from existing investors. https://hrtechfeed.com/rippling-announces-series-g/  

Garoua est l'une des plus grandes villes du Cameroun. Située dans le septentrion, à près de 1 000 km de la capitale Yaoundé, le chômage y est un réel défi. Certains se tournent vers l'entrepreneuriat. Ce qu'essaient de promouvoir les autorités à travers la politique d'import-substitution : produire localement plutôt que d'importer. Un pari qu'a fait Madame Kaltoumi dans sa petite coopérative qui s'est lancée dans la production de yaourts. Coup de projecteur sur cette entrepreneuse de Garoua. De notre envoyée spéciale à Garoua,« On est ici dans la salle de production. Là, on est en train de fabriquer le yaourt », présente madame Kaltoumi épouse Boubakari, transformatrice du lait. Elle nous invite à rentrer dans sa petite unité de production. À la manœuvre, Raphaël. Charlotte sur la tête et gants en latex, il remue le lait dans un bac en plastique. « Je suis en train de transformer le lait en yaourt. Il va nous falloir peut-être 4 h de temps maximum pour remplir les bouteilles puis on les chargera », détaille-t-il tout en continuant à touiller.Kaltoumi est une trentenaire, d'origine peule : « Le lait, c'est dans notre culture. Déjà petite, je savais comment faire de façon familiale. Je fermentais souvent le lait. Alors, je me suis dit pourquoi ne pas en faire un business qui peut, peut-être nous rapporter », se souvient-elle. Elle débute chez elle, produit à petite échelle, puis s'associe avec d'autres femmes en Groupe d'Initiative Commune. « J'avais commencé à la maison chez moi. Et après quelques années, on s'est constitué en GIC avec d'autres femmes parce que ça marchait. On n'a fait qu'augmenter [les quantités produites]. Le sachet de 500 francs et maintenant, c'est dans des bouteilles. Et on livre partout dans Garoua jusqu'à Maroua », explique-t-elle fièrement.De sens de l'entrepreneuriat, elle n'en manque pas. « Je me suis formée sur le net sur la fabrication du yaourt. Et il y a des formations que l'État a faites auxquelles j'ai participé. Dès qu'il y a une formation, je fais en sorte d'y participer », souligne l'entrepreneuse.Des freins au développementMais très vite la demande la dépasse. Dans le cadre de la Stratégie de développement du secteur rural du Cameroun, soutenu par le programme Acefa, de l'Agence française de développement, la productrice reçoit une aide financière de 6 millions de FCFA. Elle lui permet d'investir dans des frigos et d'avoir des locaux dédiés à la production. La façade du petit bâtiment affiche fièrement « Botte Kossam » – « le bienfait du lait ».Aujourd'hui, sa petite équipe de dix personnes produit 500 litres de yaourts par jour qui sont livrés dans les restaurants, les supermarchés ou des petites boutiques. Déjà, elle pense à la prochaine étape : investir dans des machines. « On est en train de voir puisque actuellement, on ne peut pas produire plus. C'est déjà le travail de toute une journée de 7h à 19h pour produire la quantité avec l'équipe que l'on a, décrit-elle. On est en train de penser à trouver certaines machines qui peuvent faciliter et qui va nous permettre d'augmenter la quantité produite parce qu'il y a quand même la demande. Avec la production de 500 litres, on n'arrive pas à satisfaire le marché. »Un développement qui ne va cependant pas de soi. Malgré des démarches auprès de plusieurs organismes de prêts, la petite coopérative ne parvient pas pour l'instant à obtenir les financements nécessaires.À lire aussiAu Cameroun, un engrais liquide bio cartonne et attire des centaines de planteurs

Hey, guys! Are you hurting your marriage by being yourself? If you read a restaurant review, you always look to see the date. That's because the reality of the restaurant is tied to the date, it is not the same place today as it was 3 years ago.  Just the same with us people. We change--for better or for worse.  Today, I am not the person I was 3 years ago. There is no going back. The GIC (government indoctrination camp) your son attends is designed by women, staffed by women, and it is to serve women-or young girls. No wonder they want to put your son on drugs. Till the late 1960s and into the 1970s all high schools offered 'shop' classes--woodwork, metal work, auto-repair, etc. now they're gone.  Become a member of the Happy Warrior community and learn the lessons of leadership www.WeHappyWarriors.com  Why the elitist plan to force all young Americans onto the college/university track was diabolical. We are always sculpted by the things we do and the experiences we have.   Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you hurting your marriage by being yourself? If you read a restaurant review, you always look to see the date. That's because the reality of the restaurant is tied to the date, it is not the same place today as it was 3 years ago. Just the same with us people. We change--for better or for worse. Today, I am not the person I was 3 years ago. There is no going back. The GIC (government indoctrination camp) your son attends is designed by women, staffed by women, and it is to serve women-or young girls. No wonder they want to put your son on drugs. Till the late 1960s and into the 1970s all high schools offered 'shop' classes--woodwork, metal work, auto-repair, etc. now they're gone.  Become a member of the Happy Warrior community and learn the lessons of leadership www.WeHappyWarriors.com. Why the elitist plan to force all young Americans onto the college/university track was diabolical. We are always sculpted by the things we do and the experiences we have. 

Trump rilancia la guerra commerciale con nuove minacce di dazi su tech e semiconduttori, dopo un'apparente tregua. La Cina risponde bloccando l'export di terre rare e magneti critici per l'industria, introducendo un sistema di licenze ora sospese, con possibili impatti gravi su settori strategici come auto, aerospazio e difesa. Il commento è di Giuliano Noci - Professore ordinario in Ingegneria Economico-Gestionale, insegna Strategia & Marketing presso il Politecnico di Milano. Dal 2011 è Prorettore del Polo territoriale cinese dell'Ateneo milanese.In tempi di dazi Aponte investe sui portiGianluigi Aponte (Msc) è il principale investitore in un'operazione da 23 miliardi per acquistare 43 porti del gruppo CK Hutchison. L'accordo, ostacolato dalla Cina e sotto scrutinio a Panama, vede coinvolti anche BlackRock e GIC. TiL, la divisione di Aponte, gestirà quasi tutti i porti tranne due a Panama. L'operazione è geopoliticamente delicata, ma resta in fase di approvazione. Ne parliamo con Alessandro Plateroti direttore di Newsmondo.it Al via l'Expo 2025: l'Italia presenta le sue eccellenze e il suo futuro al mondoAperto a Osaka l'Expo 2025, dove l'Italia si presenta con il Padiglione “L'arte rigenera la vita”, progettato da Mario Cucinella come una moderna Città ideale del Rinascimento. Esposte eccellenze italiane, arte, design, tecnologia e cultura. Presenti opere di Caravaggio e Leonardo. Inaugurate anche le torce olimpiche di Milano-Cortina 2026, alla presenza del ministro Tajani. Interviene Carlo Marroni, Il Sole 24 Ore.

In this episode, learn some of the key challenges facing accountants in their dealings with the Australian Taxation Office (ATO) and what you can expect in 2025.   Gain an overview of the challenges faced by small businesses, who account for 65 per cent of the ATO's debt, and the increasing pressures on both tax agents and taxpayers.  Dive into the ATO's renewed focus on tax debt recovery, especially the significant rise in unpaid taxes post-COVID.   Learn the importance of early engagement with the ATO to avoid enforcement actions like garnishee notices and director penalty notices (DPNs).  Key areas in this episode  Impact of COVID on ATO's $50 billion debt book.  Importance of early engagement and payment plans.  Consequences for non-payment, including garnishee notices and DPNs.  ATO's new initiatives to address GIC remission requests and improve timeliness.  The ATO's approach to vulnerable taxpayers and improving service for tax agents.  The impact of automation on the ATO.  Issues raised by CPA Australia members.  Tune in now for valuable insights on how small business and tax practitioners can avoid penalties and manage their tax obligations more effectively.  Host: Jenny Wong, Tax Lead, Policy and Advocacy, CPA Australia Guest: David Allen, Second Commissioner of Frontline Operations, ATO  For more information on the ATO, head to its website.   CPA Australia has tax resources on its website.   And you can find a CPA at our custom portal on the CPA Australia website.   Would you like to listen to more With Interest episodes? Head to CPA Australia's YouTube channel.   CPA Australia publishes four podcasts, providing commentary and thought leadership across business, finance, and accounting:   With Interest INTHEBLACK  INTHEBLACK Out Loud Excel Tips   Search for them in your podcast platform.   Email the podcast team at podcasts@cpaaustralia.com.au  

His is a story of quiet power in the strongman era. Who was the Singapore civil servant with a human touch who led Singapore's GIC for 18 years? Michelle Martin reads Lee Ek Tieng: The Green General of Lee Kuan Yew, and together with author Pearl Lee, explores how Mr. Lee, an engineer, led GIC without a finance background for 18 years. How did Mr Lee prioritize people over processes? How did this extraordinary civil servant empower his teams, transform organisational culture and help transform Singapore from squalid to clean and green? Discover the quiet power of relationships and leadership from one of Singapore’s unsung giants.See omnystudio.com/listener for privacy information.

In this episode, Tim sits down with longtime friend and financial advisor Dave Appleton, who brings over 40 years of experience in financial planning. Dave shares insights on the importance of long-term financial strategies, emphasizing visualization as a powerful tool for understanding complex financial concepts. He explains key principles like the rule of 72 for investment growth and the value of diversification to secure financial stability across generations. Through real-life client stories, Dave highlights how proper planning can lead to financial success and security, while short-term thinking—like what fueled the tech bubble—can be detrimental.Beyond finances, Dave and Tim explore the importance of staying active and engaged in retirement to maintain both mental and physical well-being. They discuss how early retirement without purpose can increase the risk of cognitive decline and why continuous learning, including leveraging screen time for education, can keep the mind sharp. Dave also shares how simple visualization techniques—like using sugar cubes to demonstrate financial impact—can make complex topics more accessible. Tune in for a conversation that blends financial wisdom with practical life lessons, helping you make smarter choices for a more secure and fulfilling future.About Dave AppletonDave has been assisting individuals with the planning of their Lifestyle Retirement goals. His objective is to provide individuals and business owners with the advice they need to achieve their immediate and long-term goals by offering a wide range of financial products and services through Planning Strategies Group Ltd. In 2004, Dave was awarded by the Financial Planning Standards Council of Canada (along with two other business associates), the prestigious award of "Advisor of the Year".In addition to help develop and manage a Financial Planning department for a major world-wide Life Insurance corporation, he was also one of the first individuals to set up a full service Financial Planning company in association with accountants and lawyers, this providing a one-stop service for individuals and business owners needing Financial, Estate and Tax Planning advice.—Contact Tim Sweet | Team Work Excellence: WebsiteLinkedIn: Tim SweetInstagramLinkedin: Team Work ExcellenceContact Dave Appleton: Linkedin: Dave Appleton--TranscriptDave  00:01A picture is worth 1000 words. You get good screen time. You've got 10,000 words, and the memory of a picture is a lot greater than the memory reading from a book. I'm not saying you don't remember. It's just that the picture is there and you can visualize, and if you can visualize something down the road in 10 years, five years. But the thing is, it imprints is there, but the book isn't the same as a picture as that picture. This is why this has become a lot more usable. Tim  00:33I'd like to ask you some questions. Do you consider yourself the kind of person that gets things done? Are you able to take a vision and transform that into action. Are you able to align others towards that vision and get them moving to create something truly remarkable? If any of these describe you, then you, my friend, are a leader, and this show is all about and all for you. I'm Tim Sweet. Welcome to the 53rd episode of the Sweet on Leadership podcast. Tim 1:06Welcome back, everybody. Thanks for joining us again. Here on the Sweet on Leadership podcast, I have a dear friend joining me today. I'd like to introduce you all to Dave Appleton. Dave Appleton has been a friend of our family, helping us with financial decisions. We've known each other for years. We came from the same community, but Dave means so much to the health and the wealth and the happiness of my family that it's a real pleasure that I get to introduce all of you today to this fine man. So Dave, thanks for joining us. I hope that this is a fun experience, and I'm looking forward to all the reactions we're going to get from this, because I know that the lessons and the messages that you have and what you've taught me in the past is going to resonate with a lot of people out there that are trying to improve their influence and their impact with others and their life in general. So again, I'm really excited for this one. Dave 02:01Happy for you. It's been a pleasure. Tim  02:06Okay, Dave, why don't you tell us a little bit about you and the company you run and give us a picture for what your purpose in life is. That would be great.  Dave  02:14First of all, I have been in this business for over 40 years.  Tim  02:19Yeah, wealth management and financial advisory. Dave  02:23Yeah, and insurance and I started with, years ago, I started with Manulife. And it's funny because I went with Manulife because they were focused on money products, like financial planning, and that really attracted me. Prior to that, I was in real estate for I had my own business in real estate for about 15 years. And I think when you go from one type of business to another, but they're both linked to financial, there's a lot of crossover of information that you maintain and or keep. And I think I've always been in the money side of things, because it intrigues me. Real Estate, you're helping people. Transitioned over into the financial services industry. And I say financial services insurance was not the hot topic at that time. It was more helping people with their money, retirement planning, things like that. And interestingly enough, I joined Manulife because they bought or developed a plan, a financial planning plan from California, Financial Profiles. It was called, and it was a dot matrix program. Tim 3:30Yeah, so floppy disks? Dave 3:30Well, it was a very slow process, and I to relay a story to that, I remember one time I was doing a plan for somebody, and I said, Oh, I hit the button to say, I want the whole plan. Four hours later, we finally got the plan. I actually went out for dinner and came back and it was still printing. So it shows you how things have changed, from a technology point of view. And, you know, it's interesting when you look at these things and how financial planning has become a hot topic. Before people, oh, yeah, financial planning. And there was all sorts of people that said they were financial planners. You don't want to become a product peddler, shall we say, but you want to become a financial planner, where you're looking at analyzing and helping people get reach their goals. And what financial planning does is it forces you to look at the things you want to do, where you are in life, what direction you want to go, family, everything else, and then you plan accordingly. Tim  04:23What's one or two of the most meaningful transformations you've seen families that you've helped make. Dave  04:30Most of my clients have been with me for over 25 years. And interestingly enough, when you look at where they started from and where they are now, and I'm not the magic guy, it's just that when you have the information, you can make the right decisions, or hopefully in guidance. And that's all you know, a financial planner isn't guide, shall we say, guide of going through life. And you, you provide people with information, and then they can discuss those options and choices that you they have to do or and help them along the way. Sometimes it's just a couple, then it becomes a couple and some children, and goes from there. And yeah, some of the couples I started with that had children, the children are now clients of mine too. So yeah, it's an ongoing, it's an ongoing business. And I like that, because I think, and that's the teacher in me, because I taught a couple of years. So yeah. Tim  05:20You know your client set is really interesting, because you've been with some of them from the very beginning all the way through to the very end and you know, for us, and we've been clients of yours for years after we were introduced by a good friend, and you spend your days, you have the focus to spend your days looking at what options are out there, what movements are out there? What needs to be done keeping an eye on that aspect of my and my wife's life, you're calling me and saying, Hey, this is happening. This is going on. We need to move something around, or we need to plan for something in the future. And so you're able to devote your time to keeping an eye on things for people where they may not have the time or the expertise to keep that that attention as high as it needs to be. My clients, even this week, when they're facing challenges of leadership and team, they may never have dealt with that challenge before. They're not an expert at getting out of that issue. I deal with it 30 times a year, and so I specialize in some of the issues that they call me in for If your faucet is leaking, you call a plumber, right? You don't call the local baker or something. That's what I notice for sure. Do you think captures it? Dave  06:32As a planner, I'm not a chartered accountant, I'm not a lawyer, but I think the people that are in need of financial advice are the business owners, the self employed and people that have family situations and that getting the right advice is so important when you're planning for your future. And I think that's the problem. Is most people don't think far enough ahead. They think ahead, but they don't they think about next year, but they don't think about five years, ten years, and where am I going to be and making a big financial plan when you're 30 years old. I stopped doing the big, complex financial plans because there's too many changes between age 40 and 60 in retirement years or 30 and and 50. And you can do a plan, but it doesn't have to be a complex plan. Yeah, and I think that's the key is you gotta, you just gotta have a direction and understand things, understand terminology. What's an RSP, what's a RIF? These are things that we I think every business has their own acronyms. What's your GDS ratio? People say GDS, well, gross debt service ratio, and then that's how they qualify you for a mortgage. Every industry has these little short forms in that, like here, in ours, we have the riff, we have the list, and people look at you, and you got to be careful, as an advisor, not to utilize these term, this terminology, without explaining what it is, because if you say it and they don't understand it, they're not listening from there on. Tim  08:00So that's that brings us to a really interesting point, because, you know, again, I consider you one of my close friends now at this point. And for those of you that can't pick this up in Dave's voice, because you sound spry and youthful, and you are, you know, you're the same age as my dad. You'll have a big birthday coming up this year, right? And when we talk on the phone or whatever, to me, age is irrelevant. It's trust and respect and mutual interest in the other person's well being and all of those things that kind of come into play. And a big part of that for us, Dave has been that you come to the house when we need to be thinking a certain way. You keep us on a plan and on a track, and you help us see things differently. You help us consider all of our options. You put everything on the table. And you do this in such a personal way, because one of your one of your habits, is to always be doing this in really close proximity. It's not something that's kept at a distance. It's very intimate. And we're having coffee and we're sitting around the table, and it's… Dave  09:08Tim, I'll interrupt you there. That's why I come to your house for a free cup of coffee. There you go.  Tim  09:12There you go. Free cup of coffee. Oh, I hope our coffee is all right. But when you think about that, and you think about the value that you can bring to somebody by having them get out of their bubble and thinking long term, right? That's one of the biggest benefits that you've given us, is allowing us to take a much longer view. And in the middle of COVID, when things are a little bit hot, rational outside perspective, focus on the larger picture here. Don't get too bent about the little moves. What kind of problems in the world or with families are associated with that thinking too close, thinking too much in the short term. Dave  09:50I'll give you a good example, in the tech bubble. When it was back in the 2000s, that tech bubble we talk about it, tech stocks were just i. Everybody wanted to be in tech. And I had, I think I might have, might have told you this before, I had a client who was a GIC client, and we finally got him involved in some insurance company segregated funds, which are like mutual funds, because of the guarantees that they provide. That was a big step for him. And I always remember he was there for years, and when the tech market was going crazy, he says, oh, we were making like 16% in on our on his investments, and he wanted to move because his neighbor next door was in tech, and he was making 24% so he moved all his money into tech. I didn't do it. I said, I think you're crazy. And as we know, the tech market went from $1 to 20 cents, in some cases, some of those stocks, and it was a short term thinking, talking about long term, short term. One thing if people can remember, the one thing if they can remember, is the rule of 72 and the rule of 72 is, if you take 72 divided by the interest rate that you earn on your investment, that's how long it takes your money to double. So if I get 10% as an example, it's going to double in 7.2 years. Yeah, if I get 5% Oh, guess what? Now it's double the time. If I get 2% I get, Oh, here you go, the banks give me 2% of my on my savings account. It's going to take your money 30 plus years to double at 2% and we're only talking a difference of, Oh, I get 7% that's 10 years. I'm going to use 8% as an example. So every nine years, my money doubles. So if I put in $10,000.09 years later, and I get 9% I get nine years, my might becomes $28,000, it's the next nine years with 20 becomes 40, and then 80, it's a doubling of the doubling. And I think that's what people forget, is it's, that's the long term thinking. And if you can, you don't need 50% returns. You don't need 40% because now you gotta add in the one thing that really affects everything is the risk factor. Yeah, okay, I got a picture in my office, and it's actually, I think it's down Pebble Beach. It's the one where they shoot the golf ball the holes across the ocean. There Was You gotta get it across, and the bottom of it is risk. I'm looking at it now, and you look at these things, you think, oh, yeah, because people don't sometimes look at the risk side. I'm not saying people don't make more money in short term, but don't put all your money.  Tim  12:34I think there's a crossover there to life, and that is in terms of Jen and I, when it comes to either finances or what we do more broadly, in the things we choose to engage in, you want to have things in your life that are very solid, that are foundational, that give you that low or or controlled risk environment, so that you have bandwidth to take some risks in other areas of your life. So you know, when it comes to investment, I have a portion of my portfolio that is in startup companies and things which are a little higher risk, but the stability of my long term investments gives me the ability to play over in those spaces without feeling overly exposed, right? It gives me a little bit of freedom. And it's the same thing that financial stability that we've created with you, allows me to take the risks that are associated with being an entrepreneur and being a business owner and investing in my business and making plays in my business, which other people might find very scary that don't want to take those risks, and so balancing that kind of net risk is part of that control part of our life that allows us to then be free and creative over in other parts of our life where we need to be free and creative. Dave  13:59Yeah, I think you have to ask yourself, Where did you go through life? You got to say, okay, is my investment an investment, or is my investment a gamble? And when it becomes a gamble, the risk factor goes up considerably. We all do this, but you don't do it with 100% or 80%, 50% of your money. You want to play the game. As I always tell people, you want to play the stock market. You take some money and go play it. It becomes a gamble when you're taking I gotta double my money overnight. I'm gonna bet this one horse, and he's gonna. It's a hot tip. Tim  14:31Just this past week, I used the phrase again when I was doing some career work with an executive. We were talking about getting stuck in waiting for someone else to promote you, hoping that somebody notices you. That, to me, is a gamble, right? That you're hoping that other people are going to do something in the same way, that if you're not enjoying your job and you jump and you don't know what you're moving into, or you're not leaving with a feeling of success from wherever you jumped off. You're playing the career lottery, and longer term thinking says we have to slow some things down. We have to really analyze what all of the inputs are and then make the best possible strategic moves to lower the risk overall. It doesn't mean you can't do exciting things. It doesn't mean you can't take risks, but you do it with as much data and as much controlled risk as possible, I think there's great lessons that transfer over to how we think about the game of money and investment and financial literacy and all of those things, when we start to apply those same lessons to our life. Dave  15:37Yeah, and I think there's been a lot of stuff written books and that on people that win the lotteries, yeah, and you look at it and you say, a lot of those people don't have the money in five years. They win big money, and they don't do the planning. They don't, a million dollars. You can't retire on a million dollars. As a kid, I used to watch the program The Millionaire on TV, and a million dollars, back 40 years ago, was a lot of money. I had a client that they inherited $900,000 and of course, one year, if you can believe it, they spent $100,000 in travel costs. They started to listen to me because I said, Well, you're just going to burn it up because you can't expect to double your money replace that type of usage in one year. Hey, you want to have a travel budget, that's fine, but stick to the budget. I mean, I always like to tell people you want to, we like cruising. And you know, when you do it, they got six month cruises. Those cruises are $200,000 people buy those tickets, but those are people that have a lot more. And 200,000 is probably like 20,000 for the average person. They use that money because they're going to, obviously, they're going to be out traveling around, doing spending, and they're not just spending 200,000 on the cruise those cruise ships sell out. But I look at cost of living things like that, we're going to go through this with the tariffs and everything. I think this is going to cause a great wake up call for a lot of people. Yeah, they're going to have to start looking at the deals that are out there. You know, are you going to go out and buy oranges if they're going to cost you 10 bucks a pound or whatever? I don't think so. So these are things that people have to start looking at. Investing money. I'm going to say, Well, okay, don't tell me. I'm going in for lower risk. I'm going to invest in my GIC. Well, that's a risk. Yeah, right away. It's a risk because the risk is you're going to run out of money, yeah, because you can't survive on a 2% rate of return when inflation is three. And you can't survive if you're 40 years old. Putting into GICs, the key, I think, to any investing is diversification, and diversification simply means that I got my money all over the world. You've got a whole blend. Don't get into the risky diversifications.  Tim  17:53Yes, I think it's a great segue into thinking about the real risk of decisions. And again, this is one perspective I'd love to ask you about right now. One thing that we know is happening is perhaps people invested and are able to retire right now. And so you and I had lots of talks around retire at 60 or retire at 65 and we're seeing lots of strong data now coming out about the increased dementia risk when people are bored and when they're not active and feeling useful, even having suitable amounts of stress, and definitely a notion of having purpose and a community and people that hang around is really important. And taking that decision that this is when people retire, decision, this is what we should do. This is what society says we, when we should put ourselves out to pasture. That's never been your game. For the people that are out there listening. Drop that knowledge on them. Drop what you told me about the thought of staying sharp, challenging yourself to help other people.  Dave  18:59I think working and keeping I'm not saying it's going to prevent dementia, but it forces you to remember things. It forces you to be active, forces you to interact. And I think the highest risk retirees, if you can believe it, are the police and firemen. Because they have a high, high stress job, they retire, and they sit retire, and they sit at home, watch TV and bang, and the mind goes, I'll be working on the day I die, as I said, and I don't mind that, because you feel you're interacting, you're you're alive. Let's put it this way, you see at Home Depot, you see all these people that are retired and they're working there. When you take an Uber, I like taking an Uber because you're talking to people that are, yeah, they're working and everything you're getting life stories from these people, yeah, really interesting to hear the life stories of different people. Tim  19:49Any year I have clients, probably three to five a year are people that are on to second careers. They're 60-65 or older. They've retired. And it's hasn't worked for them. They're starting businesses. They're entering into consulting. Often the story is that they finished working when they were told they should finish working, when they were prepared to finish working, and they're bored. My clients are primarily very driven people. They're leaders of organizations. They're people that are not satisfied with kind of mailing it in and taking it as it comes. And you're not going to suddenly become somebody who is going to be satisfied with a boring existence or a purposeless existence after you retire. And so pay attention to who you are now, there are things that people misidentify as, stuff that'll never change when it actually can change, and there's things that people think will change when it actually won't change, for instance, your personality or your drive, and in some way, shape or form, you're not going to suddenly change who you are, right? Some of those things are pretty baked in. We've come quite a ways here. We've talked about the lessons that we can capture from long term thinking. We have talked about how important it is to think this way, Assuredly when it comes to our wealth and when it comes to life and planning and family, what do you want people to challenge themselves to do? After listening to this. Dave  21:25You got a plan around what they have. What is your lifestyle? What is your family situation? Do you have kids? Do you care about your grandkids? Are these factors so we put away 150 bucks a month for the grandkids when they hit age 60 or 65 there's a half a million dollars in access to cash flow. And you know, there's different things, you know, you say, oh, inflation, Oh, that's too much money. Tim 21:49150, bucks a month is too much. Dave 21:50It's not too much more than 10 bucks or a cup of coffee every day. It's 300 bucks a month, right there. If you don't do that, how much you're going to have when the kids hit 65 you can save money, and if you're willing to adapt, I'm not going to buy steak every day. Well, I'll buy it if it's on sale once in a while, but I don't think everybody should have steak every day anyway, so it's not good for your body.  Tim  22:14So you help people plan from a financial perspective. I help them plan from a career perspective. I think it's always hilarious that when I ask somebody they've spent more time planning one vacation or buying one car than they've ever put into where are they going in this life, making decisions, looking at what we're starting with, and mobilizing the assets we've got and the choices we can make towards the future that we want to have. Dave  22:44You're a good example, Tim, you were a chef. You did things and you changed. You've changed careers, and you were good, but then you say, Do I want to do this for the rest of my life? And you made a change, and I made a change. I taught for a couple of years, and I made a change. If people look ahead and say, Okay, I gotta, I gotta change, make a change in my direction, because otherwise, if I keep going this way, I'm going to fall off the cliff.  Tim  23:08Yeah, yeah. Or somebody else can decide when I fall off the cliff.  Dave  23:12Well, as I've said to you, and other people say, I'll live to, I want to live to 125 because I want to see them, uh, grow up. But, yeah, that's not going to happen. But it's think that way. Maybe it does.  Tim  23:22Yeah, and some people start with more privilege than others, or better situations than others. But wherever you're starting, having a plan and being intentional versus leaving it up to chance, you'll do better off regardless of your starting position. We do this little game here where we play a hopscotch game between guests. In a previous episode, we had Jared Vandermeer, who was a social media expert, join us, and he lobbed a question, which we're going to play for you now that I'd like you to respond to. Jared  23:52Let's talk screen time. I challenge you to look at your screen time on your phone, if you're comfortable, share your screen time with the audience and then let us know what you're doing to manage it, if anything, at this current time. Dave  24:05I, first of all, I probably don't know my screen time because I use my phone what's changed, and I'm not making excuses. This is, this is my diary, you might say, and everything in it, because I… Tim  24:17Yeah, same thing. It's our office on our hip.  Dave  24:21It's a tool. Yeah, it's not. Now, I would probably say, I we talk screen time. I'd like to say, Okay, let's What's your screen time in front of that TV? Yes, to me, it's true screen time. And yeah, I say there's people that spend hours, an hour in front of a TV and watching, what do they watch? Nothing. Oh, I'm going to watch the news, their news crazy or whatever. And I watch TV, but what I really enjoy is, if you can learn, even my grandkids like sitting there watching a cartoon is one thing. Sitting there and watching a program that is a learning, use it as a learning tool. The Smithsonian on TV is free use now, and the history and things like, that's what. To learn. That's good screen time. Yeah, okay, that's like reading it. That's a video book, almost, because you're seeing history and actual photos and things like that. That's good screen time watching some movie. I know people that they're movie buffs, and they go, that's all they watch. And I think you gotta differentiate. There's nothing wrong with screen time, we see it now how it's come into the educational system. The kids can watch it, but it's not watching cartoons. It's a learning tool.  Tim  25:29Is there quality screen time versus something that's keeping you from investing that time in better ways? We should be a little more discerning when we say screen time to are there things that can help us grow? So I love that answer, Dave. Dave  25:46Yeah, I think it's the old adage, like a picture's worth 1000 words. You get good screen time. You've got 10,000 words, and the memory of a picture is a lot greater than the memory reading from a book. I'm not saying you don't remember. It's just that the picture is there and you can visualize, and if you can visualize something down the road in 10 years, five years. I mean, I can, like I said to you earlier, I remember that movie The Millionaire, and I can, you can almost picture some of the old TV. And I can't remember the guy's name or what. But the thing is, it imprints, is there, but the book isn't the same as a picture as that picture. This is why this has become a lot more usable. Problem is they've let the use of this not why they ban it in schools. Is because the kids are saying, well, I'm texting out Sally over there in the other side of the room, and we're going back and forth and things like that. That's not the intended use. Whereas, if they said go into Google this and Google dinosaurs, will say, you know, if you see, you know, a video on dinosaurs and how they lived and things like that, it sinks in. It's an impression that kids suddenly say, Oh yeah, I see that pterodactyl. And now I know what the pterodactyl is. My kids, my grandkids, when they you know, we go to the drunk Heller, and they know the names of the dinosaurs, and they're six years old, for crying out love, if you can bring that type of screen time in early ages, it really helps them down the road in terms of reading and things like that.  Tim  27:17In the 15th century, intellectuals and religious leaders were fearful that, because of the printing press, books would overload the population with information and ideas. And there was a scientist called Conrad Gessner. He lived around 1550 in there. He warned that the flood of information was going to be confusing and harmful coming from books that most people couldn't handle it. And we have to think of the quality of information that are pulling in the intended use. And so we have to, you know, get really chunky on what's the what is the good use of this tool, this new technology, and what is the harmful use, and don't confuse and conflate the two. And make sure that we're being pretty honest when we consider these things. Dave  28:08Am I going to read a book about dinosaurs, or am I going to show pictures of dinosaurs and talk about it, okay? And this is one thing people should think about. Talk about visualization. One sugar cube is roughly four grams. The number of sugar cubes on different things. The highest one was the Tim Hortons candy cane hot chocolate.  Tim  28:28Yeah, how many sugar cubes?  Dave 28:3116Tim 28:3116?Dave 28:32In one cup. Tim 28:33Yeah, so that's… Dave  28:3364.Tim 28:3364 grams… that's  a quarter of a cup. So you don't, are you gonna put a, would you sit down with a spoon or a straw and drink a quarter cup of sugar? Probably not. Dave  28:46But, and so when I look at when I look at when I go, if I go shopping, and I look at the gram, because being diabetic, you gotta see how much is the sugar. I mean, I can visualize when I say what it says, 16 grams of sugar. I say, hold it. Like one cookie is 16 grams of sugar. It's like a muffin is 30 grams of sugar. You say, What is 30 grams? I can tell you what 30 grams is, it's seven and a half sugar cubes. I say, Oh, crap, I can't eat that.  Tim  29:11You're gonna be a lot better off translate Dave  29:13Things that sort of, you can remember so to speak. Tim  29:16Yeah, yeah. We used to say speak in people's currency, because working with, if I'm working with one of my very first regional management jobs with was with a large scale food manufacturer, and I would be talking about waste, and if you're talking in dollars and cents, that didn't mean a lot to people on the line. But if I said we're throwing out the equivalent of two dump trucks full of dough every week. That's what we're after. That's what we're chasing. And that meant something to them, because they could visualize a dump truck full of dough. Okay, Dave, last question, what would be something in life that you would be one business that you would be just curious about asking a stranger, that you could get some out of the box thinking with something you're interested in related to life or work or whatnot. What would you ask somebody? What would be a question that would be on your mind? Dave  30:14What are your goals in life here that you want to achieve? Because that determines what road you go down, that's your road map. What is your goal in life? What's the most important thing in life that you feel is something you would want to do? You got to be able to visualize things that comes to planning and everything else you know. And if you can do that, if you apply that same concept in your life and financial and everything else, if you know what the goal is, the quality falls into place, that's the philosophy of life.  Tim  30:43Well thanks very much for spending this time with me, Dave. Thank you so much for listening to Sweet on Leadership. If you found today's podcast valuable, consider visiting our website and signing up for the companion newsletter. You can find the link in the show notes. If, like us, you think it's important to bring new ideas and skills into the practice of leadership, please give us a positive rating and review on Apple podcasts. This helps us spread the word to other committed leaders, and you can spread the word too by sharing this with your friends, teams and colleagues. Thanks again for listening, and be sure to tune in two weeks time for another episode of Sweet on Leadership. In the meantime, I'm your host. Tim Sweet, encouraging you to keep on leading.

Richard Lapointe, senior portfolio manager at CIBC Wood Gundy spoke to Andrew Carter about options to keep your money safe in a chaotic economy.

In this episode, Loye and Fola discuss: (1) the evolving foreign policy of Kenya under President William Ruto and its implications for regional diplomacy; (2) the budget crisis in South Africa, where the ANC's proposed VAT increase has sparked controversy within the coalition government; and (3) an overview of the African venture capital landscape, including the challenges faced by startups and the need for self-reliance in funding.Time stamps00:00 Kenya's Foreign Policy12:35 South Africa's Budget Crisis24:22 Africa's VC Landscapehttps://www.instagram.com/thebrief.xyz/

Global Impact Vision Spring is upon us, and with it comes Harvest City Church's most anticipated event; our annual Global Impact Celebration! So, what is GIC, and why is it so important to our church? Pastor Joel Wells answers that question by sharing the event's origins, what it's come to mean for us over the years, and what we can look forward to over the next five weeks leading up to the big weekend!

Residents are casting their ballot across Ontario to select the next provincial government in a snap election; and, two more fraud victims have come forward to reveal they lost $900,000 and $233,000 to an online fake bank GIC scam.

Tonight's guests, Christopher S. Jacobs and Joanna Michaels, were featured on Episode 455 and on that show they shared several experiences they've had with the Forest People. Due to how much they had to share, however, I didn't have time to ask them the long list of questions I had for them, after listening to them share their experiences and opinions about the Forest People. Luckily, they've agreed to come back and answer my questions on tonight's show. We hope you'll tune in and listen to them do that.  If you'd like to find out more about the Galactic Intraversal Consortium Christopher mentioned on tonight's show, please go to...GIC.ShowIf you've had a Bigfoot sighting and would like to be a guest on the show, please go to BigfootEyewitness.com and let me know.If you'd like to help support the show, by buying your own Bigfoot Eyewitness t-shirt or sweatshirt, please visit the Bigfoot Eyewitness Show Store, by going to https://Dogman-Encounters.MyShopify.comI produce 3 other shows that are available on your favorite podcast app. If you haven't checked them out, here are links to all 3 channels on the Spreaker App...My Bigfoot Sighting https://www.spreaker.com/show/my-bigfoot-sighting Dogman Encounters https://www.spreaker.com/show/dogman-encounters-radio_2 My Paranormal Experience https://www.spreaker.com/show/my-paranormal-experience Thanks, as always, for listening!

The Global Impact Coalition (GIC) aims to bring chemical companies and value chain partners together to solve challenges on the road to net zero carbon. -          Collective effort will bring down the cost of sustainable solutions-          GIC is spin off from the World Economic Forum -          Major chemical company members include BASF, SABIC, Clariant, Covestro, LyondellBasell, Mitsubishi, Syensqo, LG Chem-          Automotive plastics recycling is a key focus-          Fully decarbonised car would only add $900 to final price-          On average decarbonising only adds 2-4% to final price of most goods-          However decarbonization costs rise steeply up the value chain-          GIC aims to grow geographically and along industrial value chainsICIS journalist Will Beacham interviews Charlie Tan, CEO of the GIC and Lars Kissau, president of BASF's Net Zero Accelerator.

GIC 2025 "Essentials For A Life Active In Advancing The Gospel" (1 Thessalonians 2:1-8) Sermon Notes February 2, 2025 Jesse Schreck • Practical Missions Cohort   Presented by McGregor Podcast 2025 Visit Our Website at McGregorPodcast.com

How far should you extend composite resin? When does edge bonding become a composite veneer?  How do you decide where to finish the restoration?  And most importantly, how do you avoid that dreaded yellow-brown stain line that can form on anterior resins? These are just some of the burning questions tackled in this episode with my guest, Dr. Mahmoud Ibrahim. We dive deep into the artistry and engineering of  decision-making in anterior composites. https://youtu.be/_q2O57-Y-d4 Watch PDP211 on Youtube Protrusive Dental Pearl: use a zirconia primer which contains 10-MDP (e.g. Monobond, Z-Prime Plus) on the intaglio of crowns to enhance bond strength, even with conventional cements like GIC. This low-risk, high-reward tip improves retention, especially for teeth with limited height. Incorporating a zirconia primer can significantly improve outcomes without switching to resin cement. Interested in the Unchippable 2 Day Course? Click here to register your interest! Key Takeaways: Choosing between edge bonding or veneers is not a black-and-white decision. The height of contour is key in cosmetic dentistry. Seamless transitions between composite and tooth are pivotal. Aesthetic considerations vary based on individual cases. Material choice is influenced by patient risk factors. Layering techniques enhance the natural appearance of teeth. Patient previews are essential for managing expectations. Thickness of composite affects durability and aesthetics. Understanding angles is key to successful restorations. Not all patients require the same approach to bonding. Highlights of this Episode: 02:43  Protrusive Dental Pearl 04:49 Personal Anecdotes and Health Goals 09:37 Anterior Composites: Edge Bonding vs Veneering 16:00 Importance of Finishing Composite Correctly 17:09 Understanding the Height of Contour 18:36 Importance of Layering in Dental Procedures 21:35 Choosing the Right Materials for Layering 23:56 Importance of Layering in Dental Procedures 27:14 Challenges and Solutions in Composite Layering 32:31  The Marshall Hanson Method 36:29 Mockups and Wax-Ups: Planning for Success 43:03 Treatment Considerations This episode is eligible for 0.75 CE credits via the quiz on Protrusive Guidance.  This episode meets GDC Outcome C - Maintenance and development of your knowledge and skills within your field(s) of practice. AGD Subject Code: 250 OPERATIVE (RESTORATIVE)DENTISTRY (Direct restorations) Aim: To enhance clinicians' understanding and decision-making in anterior composite restorations, focusing on when edge bonding transitions to a veneer, optimizing aesthetics and functionality, and minimizing common challenges such as staining and occlusal complications. Dentists will be able to - Understand the key factors that influence the transition between edge bonding to full veneers. Apply guidelines for minimum composite thickness and bonding angles to enhance durability and aesthetic outcomes. Identify high-risk patients and tailor material choices, layering techniques, and bonding approaches to individual needs. If you loved this episode, make sure to watch Composite Veneers vs Edge Bonding – Biomimetic Dentistry with George The Dentist – PDP075

In light of exciting positive policy developments in Australia and the impact on domestic and export sales of green electrons, hydrogen, and ammonia; the EAH team speaks with Isaac Hinton, Head of Australia for InterContinental Energy (ICE), a global pioneer in large-scale green hydrogen development. Isaac unpacks the ‘Future Made in Australia Act', other Federal and Statewide government initiatives and their impact on the green hydrogen industry. He delved into the positive ramifications for InterContinental Energy projects in Western Australia (WGEH and AREH), and overall Company leadership, partnership and activities intended to truly move the decarbonization needle. About Isaac Hinton:Isaac is the Head of Australia for InterContinental Energy, a global pioneer in large-scale green hydrogen development, now in its 11th year with mega-projects in Western Australia and Oman. Isaac oversees the Company's strategic initiatives, activities, and partnerships in Australia, supporting long-term growth and project implementation. Isaac also chairs the consortia developing the Western Green Energy Hub (WGEH) and the Australian Renewable Energy Hub (AREH).With a career spanning two decades in energy and resources, including over a decade at BHP in various senior roles across Sales, Procurement, Finance and Operations; coupled with his leadership in key Australian green energy initiatives, Isaac brings a wealth of expertise and insight to the renewable energy landscape.About InterContinental Energy:InterContinental Energy (‘ICE') is an industry leader, with three flagship projects attracting partnerships from energy giants such as Shell, bp, and KEPCO. The company's innovative approach has gained support from major institutional investors such as one of the largest sovereign wealth funds GIC of Singapore, and the largest hydrogen only fund, Hy24. Beyond project development, it has emerged as a leading technology provider through its patented Power to Hydrogen nodal innovation, P2(H₂)NodeTM. --Links:Intercontinental Energyhttps://www.intercontinentalenergy.comEPA Releasehttps://intercontinentalenergy.com/wp-content/uploads/2024/12/20241125-EPA-media-release-FINAL.-Header.pdfWestern Green Energy Hubhttps://en.wikipedia.org/wiki/Western_Green_Energy_Hub

Rani says the hospitality industry needs disruption. He describes CitizenM's efficient use of space, a community-driven environment, and integration of technology with a human touch.Welcome to Elevating Brick and Mortar. A podcast about how operations and facilities drive brand performance.On today's episode, we talk with Rani Gharbie, Managing Director of Investment & Development at CitizenM Hotels. CitizenM is a fully integrated owner-operator hotel brand, with over 30 hotels in 18 cities.Guest Bio:Rani currently oversees investment and development in the Americas at citizenM, an asset heavy owner-operator hotel group backed by GIC, APG and KRC. Before joining citizenM, he founded New York-based real estate investment firm Cedar Funds and held senior roles with major hotel groups globally such as Virgin Hotels, IHG, Hyatt and BD / Pod Hotels. Rani also teaches “Private Equity Hotel Development” at his Alma Mater, Columbia University's real estate development Master program. He has lived on three continents and speaks three languages. He's an avid traveler, runner, cyclist and swimmer. Guest Quote:We're able to build a really, really efficient product. An efficient product that delivers exceptional return per square foot. And that's why we stand behind the real estate of our brand. Timestamps:00:20 - About CitizenM01:27 - Rani's Role06:39 - Developing a brand promise10:44 - Building the ideal consumer relationship23:01 - Keeping the loop closed27:46 - What did COVID change?37:08 - Future thinking44:28 - Where to find RaniSponsor:ServiceChannel brings you peace of mind through peak facilities performance.Rest easy knowing your locations are:Offering the best possible guest experienceLiving up to brand standardsOperating with minimal downtimeServiceChannel partners with more than 500 leading brands globally to provide visibility across operations, the flexibility to grow and adapt to consumer expectations, and accelerated performance from their asset fleet and service providers.Links:Connect with Rani on LinkedInConnect with Sid Shetty on LinkedinCheck out the ServiceChannel Website

Renato e Cristiane Cardoso iniciaram o programa de hoje ressaltando aos alunos que para entender o amor inteligente é preciso se questionar, perguntar, avaliar, usar a cabeça e não o coração. Inclusive, eles mencionaram que esse é o grande erro que a maioria comete quando o assunto é o amor. Na oportunidade, o professor disse que muitos pensam que o amor tem que ser guiado pelo coração e sentimentos. Por isso, seguem os mitos que envolvem o coração. Eles explicaram amplamente sobre esse assunto. Mais forte que ela Em seguida, o casal blindado compartilhou o pedido de ajuda de uma aluna. Ela comentou que está sofrendo na alma. Se envolveu com um homem que tem tudo o que ela nunca quis e não sabe nem como pôde se envolver nessa situação. O companheiro bebe, fuma, é ex-usuário de drogas, bipolar, arrogante, gosta de farra e está envolvido sempre nos churrascos entre amigos. Quando ela o conheceu ele havia saído de um segundo relacionamento conturbado e, nessa de aconselhá-lo, acabou se envolvendo com ele. Quando ela percebeu, estava apaixonada. Ademais, a aluna confessou que tem vivido uma vida de aparências, sofrido em todas as áreas, e que o coração tem sido mais forte que ela. Sofrendo com a ausência Ainda hoje, outra aluna comentou que o casamento era pautado em brigas por parte do esposo, inclusive, ele se irritava com qualquer coisa e a humilhação que ela sofria era muito grande. Por isso, ela o mandou embora por muitos motivos. Contudo, os dois estão sofrendo pois se gostam. A aluna está sofrendo com a distância. Ademais, Renato e Cristiane também compartilharam a pergunta da Gicélia. Ela disse que esteve casada por 21 anos e os dois têm um filho com 20 anos de idade. O marido foi preso por três vezes, sempre por problemas com drogas. Atualmente, eles estão separados e ele está morando na rua por causa dos vícios. É normal? Por fim, outra aluna, de 58 anos, disse está separada há quatro anos e está em busca de um amor, mas só aparecem homens mais jovens. Ela perguntou ao casal blindado se isso é normal. Bem-vindos à Escola do Amor Responde, confrontando os mitos e a desinformação nos relacionamentos. Onde casais e solteiros aprendem o Amor Inteligente. Renato e Cristiane Cardoso, apresentadores da Escola do Amor, na Record TV, e autores de Casamento Blindado e Namoro Blindado, tiram dúvidas e respondem perguntas dos alunos. Participe pelo site EscoladoAmorResponde.com Ouça todos os podcasts no iTunes: rna.to/EdARiTunes

Throughout 2024 we've been talking with financial institutions around the world about their approach to sustainability and climate finance. Finance was also a big focus of the UN's COP29 climate conference that just wrapped up in Baku, Azerbaijan, and in this episode of the ESG Insider podcast, we talk with De Rui Wong, Senior Vice President in the Sustainability Office of GIC, Singapore's sovereign wealth fund.   "When it comes to sustainability, we believe that there is no one-size-fits-all approach," De Rui says. "Companies are often decarbonizing at different rates and along different trajectories, depending on the regulations, the availability of technology, as well as the market opportunities in the locations that they operate in."  GIC's approach includes a focus on the physical risks of climate change.   "Climate change has moved from threat to reality," De Rui says. "It is creating a new environmental norm, a new economic paradigm, that we need to understand how to navigate."   You can read a report published by GIC and S&P Global Sustainable1 on integrating climate adaptation into physical risk models here: https://www.spglobal.com/esg/insights/blog/integrating-climate-adaptation-into-physical-risk-models   Listen to our interview with Mastercard's Chief Sustainability Officer here: https://www.spglobal.com/esg/podcasts/mastercard-chief-sustainability-officer-talks-cop-climate-and-the-road-ahead   Listen to our interview with Norges Bank Investment Management, the world's largest asset owner, here: https://www.spglobal.com/esg/podcasts/why-the-world-s-largest-asset-owner-is-leaning-into-esg   This piece was published by S&P Global Sustainable1, a part of S&P Global.      Copyright ©2024 by S&P Global   DISCLAIMER   By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL. S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.   S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

On this fortnight's edition of What the Trans, Ashleigh and Flint go through:  Scotland's GIC "pauses" all surgical referrals for patients under 25. Google providing thousands of dollars of free advertising to three anti-trans groups. A cis woman being sent to a men's prison due to her "masculine features". Our regular jaunt to Loser's Corner, and: A discussion about being trans and disabled, spurred on by the appointment of Dr Simon Wessely as chair of the Children and Young People's Gender Dysphoria Research Oversight Board. References: https://whatthetrans.com/ep117/  

Monzo is now valued at $5.9 billion after the U.K.-based challenger bank announced a secondary market share sale to provide liquidity for its employees. The transaction saw existing investors such as Singapore's sovereign wealth fund (GIC) and StepStone Group procuring additional shares in the London-based fintech. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The 3 ways of responding to the biological imperative of reproduction; Abdication, Animalism, Civilizational. What the creator of the twenty year-old, influential HBO television show S*x and the City said about having children. Is the Hebrew Bible a practical political and sociological manual or a theological text? Your son might be your most valuable investment. (What about your daughter? Covered in the bonus podcast for Happy Warriors) By what age is your son's character, set of values, and spiritual matrix formed? Who is really raising your son and implanting that spiritual matrix? You and your spouse? The GIC your son attends? The entertainment he consumes? Or you? Join our Happy Warrior community  https://www.wehappywarriors.com/  The ten most destructive ideas that the state, its agents, and the culture are implanting in your son's brain and how to counter them.  Learn more about your ad choices. Visit megaphone.fm/adchoices

The 3 ways of responding to the biological imperative of reproduction; Abdication, Animalism, Civilizational.  What the creator of the twenty year-old, influential HBO television show S*x and the City said about having children. Is the Hebrew Bible a practical political and sociological manual or a theological text? Your son might be your most valuable investment. (What about your daughter? Covered in the bonus podcast for Happy Warriors). By what age is your son's character, set of values, and spiritual matrix formed? Who is really raising your son and implanting that spiritual matrix? You and your spouse? The GIC your son attends? The entertainment he consumes? Or you? Join our Happy Warrior community at https://www.wehappywarriors.com/. The ten most destructive ideas that the state, its agents, and the culture are implanting in your son's brain and how to counter them.

Prakash Kannan, Chief Economist and Director of the Economics & Investment Strategy department at GIC, returns to Kopi Time to talk about evolving macro developments and implications for asset allocation. We cover it all in this discussion, from Fed outlook to EM resiliency, global liquidity to China policy, yen carry trade to gold, and how a portfolio suitable for the past decade is unlikely to bear similar fruit going forward. Lots of insights.See omnystudio.com/listener for privacy information.

On this definitely "fun" episode, Flint, Alyx and Ashleigh kick over the coals on: The LGB Alliance conference, scheduled for October 11th. An interview with Trans Kids Deserve Better. School librarians facing complaining parents. FOI data gathered about adult GIC's and their many failures. The NHS plan to undertake a Cass-style review into adult gender services.  Support Trans Kids Deserve Better! https://www.justgiving.com/crowdfunding/transkidsdeservebetter?utm_term=5ZY43pkb7 References: https://whatthetrans.com/ep112  

Welcome to Season 3 of The J Curve, a podcast about entrepreneurship in Latin America. My guest today is Dileep Thazhmon, founder and CEO at Jeeves, a corporate spend and expense management platform for global businesses. Jeeves has raised over $260m from the likes of GIC, Tencent, a16z, CRV and more. Its last reported valuation was $2.1B. Since its public launch early in 2021, Jeeves scaled across 22 countries in North America, South America, the UK and Europe. In Latam the list of its customers include Bitso, Hotmart, Avenue, Buser and Cayena. In our conversation we unpacked Jeeves unique playbook for entering new markets, discussed why Latin America and Brazil in particular is such a lucrative opportunity for Jeeves and how to build strong relationships with investors when pursuing a contrarian strategy like global expansion across 22 countries. In today's episode we discuss: 1. Vamos Latam: why focusing on Brazil and Mexico can be a game-changer for US fintech startups? 2. Jeeves global expansion playbook: practical strategies for entering new markets with a localized approach 3. Choose the right market: why fintech infrastructure and regulatory environments matter for scaling? 4. Cap table strategy 101: how to excel at raising capital with a contrarian go-to-market strategy? 5. Low ego, high output mentality: how to hire leaders who build exceptional teams and drive success at scale? If you would like to get more insight from LatAm's leading tech founders and investors, subscribe to our new ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube channel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and follow us on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.  Follow Olga on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Olga is an entrepreneur, venture capital investor, mentor at Techstars and founder at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The J Curve⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, Latin America's leading English speaking podcast about tech builders. She's been investing in the USA, SEA and Latin America for over 13 years. Companies she backed include tech unicorn ClassPass (acquired by Mindbody) and Vitalk (acquired by Gympass).

Incubated at the World Economic Forum, the Global Impact Coalition (GIC) is an organisation that pools the resources of major chemicals companies to develop ways of making their industry more sustainable. We hear from Charlie Tan, CEO of the GIC, and from two technical experts at the GIC's Research and Development Hub at Netherlands-based research centre TNO. Speakers: Jan Harm Urbanus, Lead Scientist Circular Plastics, TNO Hella Koops, Senior Project Manager and Cluster Lead Circular Plastics, TNO Charlie Tan, CEO, Global Impact Coalition Links: Centre for Energy and Materials - World Economic Forum: GIC: TNO: Related podcasts: Check out all our podcasts on : - - : - : - : Join the :

Incubated at the World Economic Forum, the Global Impact Coalition (GIC) is an organisation that pools the resources of major chemicals companies to develop ways of making their industry more sustainable. We hear from Charlie Tan, CEO of the GIC, and from two technical experts at the GIC's Research and Development Hub at Netherlands-based research centre TNO. Speakers: Jan Harm Urbanus, Lead Scientist Circular Plastics, TNO Hella Koops, Senior Project Manager and Cluster Lead Circular Plastics, TNO Charlie Tan, CEO, Global Impact Coalition Links: Centre for Energy and Materials - World Economic Forum: https://centres.weforum.org/centre-for-energy-and-materials/ GIC: https://globalimpactcoalition.com/ TNO: https://www.tno.nl/en/newsroom/2023/05/hub-plastic-waste-world-economic-forum/ Related podcasts: What are the 'positive tipping points' that could help us accelerate out of climate disaster? Where are the innovations that can make mining more sustainable? Advanced Energy Solutions: scaling up the tech that can help us get to net zero Check out all our podcasts on wef.ch/podcasts: YouTube: - https://www.youtube.com/@wef/podcasts Radio Davos - subscribe: https://pod.link/1504682164 Meet the Leader - subscribe: https://pod.link/1534915560 Agenda Dialogues - subscribe: https://pod.link/1574956552 Join the World Economic Forum Podcast Club: https://www.facebook.com/groups/wefpodcastclub

The Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Download The Canadian Rock Stars List, a selection of the safest dividend stocks in Canada: https://moosemarkets.com/rockstars Webinar: Invest in a all-time-high market: https://moosemarkets.com/webinar Webinar Replay: Dividend Income For Life : https://www.dividendstocksrock.com/dividend-income

Jason Edwards, CEO & Founder of Alternatives.pe, and Jeremy Au talked about three main themes: 1. Lawyer to Founder & VC: Jason recounted his legal career at Baker & McKenzie in Australia and Hong Kong. Due to the Asian Financial Crisis, he focused on financial restructuring for distressed firms (many of whom had borrowed heavily in US dollars) across Bangkok, Singapore and Asia. He later moved into private equity with Clearwater Capital Partners ($1.2B AUM) and venture capital by co-founding Qualgro VC. He later founded alternatives.pe - an accurate data and insights platform for private capital market professionals looking for best-in-class coverage across Southeast Asia and Australia. The platform is now used by the majority of Asian funds including Square Peg, 500, Temasek, Sequoia, Tiger Global, Warburg Pincus, KKR, Vertex, GIC and Softbank. 2. Alternatives.pe Regional Capital Insights: Jason discussed the current shift of VC attention from consumer-focused (B2C) to business-focused (B2B) models, due to a faster route to profitability across diverse linguistic and cultural markets. He observed strengthening investment discipline focused on capital efficiency and strategic scalability.  Jason also elaborated on the complex dynamics of negotiation and asset recovery in the region. He pointed out that Asian businesses usually hold most of their value intrinsically, which complicates asset recovery efforts when entrepreneurs have been at the helm for extensive periods, sometimes spanning decades or generations. He emphasized that a successful recovery strategy involves not just enforcing rights as per the norm in Western jurisdictions, but also cooperating with the original business operators to maximize value extraction. This nuanced approach highlights the importance of balancing 'stick' enforcement strategies with engagement and collaboration, underscoring that aggressive takeover tactics are seldom the best route to preserving or enhancing a business's value in Asia. 3. January Capital Venture Debt Strategy: Jason explained the rationale and timing for launching January Capital's venture debt services to fill the regional market gap. He detailed the methodical structure of their venture debt deals, typically around $15 million, targeted at growth-stage companies that find traditional venture capital or equity financing too dilutive or misaligned with their financial strategies. He elaborated on how this approach is particularly opportune given the current high-interest rate environment and lower valuations, which would allow venture debt to provide capital without excessive equity sacrifices. Jeremy and Jason also talked about his personal experience of the Asian Financial Crisis and ensuing layoffs, the importance of accurate and timely data for VC dealmaking, and personal reflections on entrepreneurial risk-taking. Watch, listen or read the full insight at https://www.bravesea.com/blog/jason-edwards Nonton, dengar atau baca wawasan lengkapnya di https://www.bravesea.com/blog/jason-edwards-in 观看、收听或阅读全文，请访问 https://www.bravesea.com/blog/jason-edwards-cn Get transcripts, startup resources & community discussions at www.bravesea.com WhatsApp: https://chat.whatsapp.com/CeL3ywi7yOWFd8HTo6yzde TikTok: https://www.tiktok.com/@jeremyau Instagram: https://www.instagram.com/jeremyauz Twitter: https://twitter.com/jeremyau LinkedIn: https://www.linkedin.com/company/bravesea TikTok: https://www.tiktok.com/@jeremyau Instagram: https://www.instagram.com/jeremyauz Twitter: https://twitter.com/jeremyau LinkedIn: https://www.linkedin.com/company/bravesea English: Spotify | YouTube | Apple Podcasts Learn more about Grain here: https://www.grain.com.sg

Today's service wraps up this year's amazing Global Impact Celebration! First, we've got a powerful time of worship, followed by the taking up of our 2024 Faith Commitment Offering. We have a special guest Tyrelle Smith as she shares the gospel message. Throw in a few more testimonies from our ministry partners, and you've got yourself a fantastic end to a fantastic Global Impact Celebration!

Welcome to GIC 2024! The exciting start to this year's Global Impact Celebration! Prepare for a night filled with powerful worship, inspiring words from our ministry partners; and of course our crowd-favourite Flag Procession! For a full schedule of this weekend's GIC events, head to harvestcity.ca/events

On this new TDAM Talks podcast, Ingrid Macintosh, VP Wealth, Head of Global Sales Enablement, Marketing and Digital Strategy, TD Asset Management Inc. (TDAM), welcomes Justin Flowerday, Managing Director, Head of Public Equities, TDAM, and Monica Yeung, Vice President & Director, Portfolio Manager, Public Equities, TDAM to discuss the driving forces in the Canadian market, themes emerging from the opportunity set, and issues surrounding Canadian productivity.7:00 What are the opportunities in the Canadian market?13:00 Is productivity an issue in Canada?14:30 Where can investors find opportunities in artificial intelligence (AI)?22:00 Rapid Fire: Housing, Consumer Debt, GICs  For a full transcript in English and French, please visit the TD Asset Management Podcast page: https://www.td.com/ca/en/asset-management/insights/Please follow "TD Asset Management" on LinkedIn: https://ca.linkedin.com/showcase/tdassetmanagement/X: @tdam_canada

Vision Casting; Pastor Joel Wells takes us to GIC as he looks forward to next week's Global Impact Celebration, As he shares he will shed some light on the significance of this special time in our church calendar!

John Bowman is President of the Chartered Alternative Investment Analyst (CAIA) Association. In this episode we look back at the growth of the alternative investment industry, in particular private equity, discuss ESG and take a look at the upcoming paper on the total portfolio approach Overview of podcast with John Bowman, CAIA 02:00 I got involved in international equity investing through a few Boston wealth managers at SSGA. 6:45 I'm integrated by the power of capital allocation to solve some of the world's problems 08:00 At the CFA Institute, I often found myself on the same stage as the CAIA executives 10:00 The term ‘alternatives' is a term that CAIA wants to make extinct 16:00 On the growth of alternatives: We've got this ecosystem now where companies can stay private for longer or even permanently now, that investors can take advantage of 17:00 The first generation of private equity relied a lot on leverage, but that is not the case anymore. Investors won't stand for financial engineering 23:00 Public governance models in the US tend to be pretty hands on…, even meddling if I might say 24:00 CAIA papers: 'Portfolio of the Future', 2022 (https://caia.org/portfolio-for-the-future) and 'The Next Decade of Alternative Investments', 2020 (https://caia.org/next-decade) 24:30 Most practitioners under 40, who analysis investments, have only operated in an environment where there was zero cost of capital, non-existent inflation and double digit capital market returns. But this environment was not normal 26:30 The best kept secret in investing 29:00 Knowledge management and operational alpha 32:30 AI is likely to be the next supercycle, but… 37:00 I don't think we can outsource our fiduciary responsibilities to the machine just yet 40:00 Do we need to disentangle ESG and look closer at the underlying factors and how they affect clients, because you can't average out ESG factors? 42:00 Upcoming paper on the total portfolio approach with input from CPPIB, Future Fund, GIC and New Zealand Super 46:00 Launch on 19 March 47:00 TPA changes the role of portfolio managers

Shiyan Koh, Managing Partner of Hustle Fund, and ​​Jeremy Au covered three main topics: 1. Sovereign Wealth Fund Investment Shifts: Jeremy and Shiyan talked about how GIC conservatively deployed 46% less capital in 2023, and Temasek 53%. Saudi Arabia's Public Investment Fund (PIF) deployed $31.6 billion in 2023, 53% higher than the $20.7 billion it invested the previous year - alongside other Gulf funds. This is due to high oil prices, investment mandates and national strategies to diversify their economies away from energy dependence. 2. Unicorn Silicon Box: Jeremy and Shiyan discussed Silicon Box (Singapore's latest unicorn), their veteran leadership and $2 billion Tampines facility build-out. They highlighted its role in the shifting landscape of semiconductor manufacturing in Southeast Asia and its implications for the region's economic growth. 3. TheAsianParent Acquisition of Motherswork: Jeremy and Shiyan touched on the parenting platform's strategy to expand from its digital roots into omnichannel physical retail. They also talked about the challenges brought by declining birth rates in several Asian economies, the dynamics of education, and national fertility & family policies. They also touched on Noah Smith (Noahpinion with 139,000+ subscribers) wanting to work for Jacqueline Poh of Singapore's EDB (at the same managerial level as Patrick Collision of Stripe), and the reasons behind the interest in parenting startups in Southeast Asia, spanning services across childcare, IVF and egg freezing. Watch, listen or read the full insight at https://www.bravesea.com/blog/fund-investment-shifts Get transcripts, startup resources & community discussions at www.bravesea.com WhatsApp: https://chat.whatsapp.com/CeL3ywi7yOWFd8HTo6yzde TikTok: https://www.tiktok.com/@jeremyau Instagram: https://www.instagram.com/jeremyauz Twitter: https://twitter.com/jeremyau LinkedIn: https://www.linkedin.com/company/bravesea TikTok: https://www.tiktok.com/@jeremyau Instagram: https://www.instagram.com/jeremyauz Twitter: https://twitter.com/jeremyau LinkedIn: https://www.linkedin.com/company/bravesea English: Spotify | YouTube | Apple Podcasts Bahasa Indonesia: Spotify | YouTube | Apple Podcasts Learn more about HDMall here:  htps://www.hdmall.co.th https://www.hdmall.id

In this episode, we speak with Daphne Tong, Partner and Co-Head of Investments at WestCap, an operating and investing firm for generational companies. WestCap invests in tech-enabled, asset-light marketplaces. Its focus areas include fintech, real estate tech, infrastructure tech, healthtech, and digital experiences. Prior to WestCap, Daphne was the Co-Head of the Private Equity Funds and Co-Investment Group in the Americas for GIC, a leading global investment firm established to manage Singapore's foreign reserves. Prior to that, she was a Principal in Blackstone's Private Equity division.  She started her career in investment banking at Goldman Sachs. Daphne was recognized by GrowthCap as one of the Top Software Investors of 2023. I am your host RJ Lumba.  We hope you enjoy the show.  If you like the episode, click to follow.

A reminder for new readers. That Was The Week collects the best writing on critical issues in tech, startups, and venture capital. I selected the articles because they are of interest. The selections often include things I entirely disagree with. But they express common opinions, or they provoke me to think. The articles are only snippets. Click on the headline to go to the original. I express my point of view in the editorial and the weekly video below.This Week's Audio:Thanks To This Week's Contributors: @jeffbeckervc, @eshap, @stevesi, @gruber, @daringfireball, @SamuelStolton, @leah_nylen, @mattmday, @chrisheuer, @JoannaStern, @Om, @sarahpereztc, @GeorgeNHammond, @Tabby_Kinder, @NicholasMegaw, @PeterJ_Walker, @SteveAbbott415, @adamlashinskyContents* Editorial: * Essays of the Week* Changing the Customer of Venture Capital (Jeff Becker)* What A Drag It Is (Evan Shapiro)* Building Under Regulation (Steven Sinovsky)* Apple's Plans for the DMA in the European Union (John Gruber)* Amazon Drops iRobot Deal; Roomba Maker Cuts 31% of Staff (By Samuel Stolton, Leah Nylen, and Matt Day)* Envisioning the Future of Human Work in the Age of AI: The 2024 Forecast (Chris Heuer)* Video of the Week* Joanna Stern Wears a Vision Pro for 24 Hours* Product of the Week* The Vision Pro (Daring Fireball)* Apple's Vision Pro -The Meta-Review. (Om Malik)* My 4 magic moments with Vision Pro (Om Malik)* Apple Vision Pro Review: The Best Headset Yet Is Just a Glimpse of the Future (Joanna Stern)* News Of the Week* Spotify calls Apple's DMA compliance plan ‘extortion' and a ‘complete and total farce' (Sarah Perez)* Investors raise billions to buy discounted stakes in start-ups (George Hammond, Tabby Kinder, Nicholas Megaw)* Founders: getting to the next venture stage may take longer than you expect (Peter Walker)* The State of the SaaS Capital Markets: A Look Back at 2023 and Look Forward to 2024 (STEVE ABBOTT Partner, Capital Markets, KEVIN BURKE Partner, Strategy)* PayPal is laying off 2,500 employees (Pranav Dixit)* Startup of the Week* Zum Raises $140M At $1.3B Valuation To Help Kids Get to School Faster With AI (Chris Metinko)* X of the Week* For a moment, I almost felt sorry for Mark Zuckerberg. (Adam Lashinsky)EditorialYou didn't hear it here first but Apple's Vision Pro is a hit.Some wonderful essays in this week's newsletter. I lead with Jeff Becker's look at venture capital, focusing on who the customer is. The question “Who is the customer?” is crucial for any product. The answer is easy when the product is an asset class - the customer is the person investing money. Yet most of the venture world pretends that the customer is the entrepreneur. In reality, the entrepreneur is a supplier. She or He supplies opportunity, commitment, and execution; the goal is to grow value by investing customer cash into that supply.Now it is easy to understand why venture investors sometimes describe the recipient of funding as the customer. It is important that the company feels served by the VC. But serving an investee company is clearly a mission carried out for the VC fund investors, the real customer.Jeff is addressing a real problem - how to best invest in the supply. I will leave you to read his essay and ponder it, but he proposes a radical re-think of how to do early-stage investing, and for the most part, it argues for a more liberal spread of cash, in larger numbers, to far more founders. It's interesting, to say the least.Evan Shapiro focuses on the rapid aging of the US population. He makes a strong case:Since 2019, America's population has grown by 7.8 million. Yet, the US now has 2.7 million fewer kids under 15 than it did in 2019. Meanwhile, there are now 7.1 million more Americans 65-80 than five years ago. America now has half a million fewer people under 40 than it did in 2019 and almost 8.4 million more people over 40.At a time when politicians from both sides are falling over themselves to point a finger at immigration as a major problem, it is refreshing to see analysis demonstrating that the US needs more immigrants. And in a context where there is virtual full employment this needs to be across all skill levels and needs to trend young. The essay is great.Part of the anti-immigrant narrative has focused on DACA - Consideration of Deferred Action for Childhood Arrivals (DACA). Ron Conway is part of a group of over 50 businesses signing an amicus brief to support DACA. Bravo to him.Hostility to immigrants is never OK. It is even less OK when the economy is desperate for skilled and unskilled willing hands.Politically inspired propaganda dominated elsewhere this week. Amazon was prevented from closing the acquisition of iRobot due to EU objections based on competitive concerns. Well done, EU. Amazon dropped the deal, and iRobot may well be in trouble as a result. Thirty percent of staff were laid off. And more EU interference when Apple was ordered to allow alternative app stores on the iPhone. Steven Sinofsky's wonderful essay, “Building Under Regulation,” leverages his vast experience at Microsoft. It seems every day it becomes more obvious that the EU is against innovation, especially when it produces successful big companies.The Congress got in on the act too (see X of the Week), calling social media leaders to DC to be accused, show-trial-like, of being responsible for teen suicides. Sadly, the Meta CEO apologized as if admitting culpability.Teen suicide and causality is a non-trivial issue, but it is fair to say that Social Media does not cause it. Teens (I have one and another two recently in their post-teen phase). All have had growing up challenges. As I recall, I did also. The world can be harsh in the face of those challenges. But to see social media as the only factor, or even a major one, seems superficial and plain wrong. I wish one of the executives had the nerve to push back against the accusations. Adam Lashinsky's piece is interesting.Finally, Chris Heuer has a research piece on AI and the Future of Work. Well done, Chris, this is such an important issue. My PoV is that work, defined as paid labor, will inevitably decline and the average working day will decline. I believe this is a fundamental good for humanity. I also believe it poses enormous global questions about how the abundance made possible will be distributed to improve life for everybody. I do. not think this is the end of human effort. Just the beginning of the end of the need to do paid labor in order to live.Essays of the WeekChanging the Customer of Venture CapitalThe gift of technologyJEFF BECKERJAN 29, 2024TLDR: We need to change the customer of early-stage venture capital so that we can fund the future of technology and build global prosperity for decades to come.Recently, I hosted a group of students from Wharton at Antler's offices and we talked about the future of early-stage VC.I alluded to this a couple weeks ago when I said:…for $5B per year, you could seed the vast majority of meaningful tech companies for 8 years with the amount of money Elon Musk spent on Twitter. (Link here)The reality is, $5B per year just isn't that much money in the grand scheme of private equities—roughly .5-1% depending how you slice it.As a former salesperson, that fact often leaves me wondering, “what if you changed the customer of venture capital?”Could you attract more money, create more impact, and actually produce more returns?Classically, putting your name on building was a way to not only have a fairly durable legacy, but let's be honest, that gift is outdated.And it hardly does any good in the world.Instead, legacies and the world's most important problems alike would be better served by a consolidation of brilliant minds and capital, combined with the speed and leverage of startups.I think there are two interesting solutions, and both should be built.The first is something I'd call the 501-VC, and the second would be to fund all of venture capital for a decade or more through a new kind of Giving Pledge.I'm going to talk about the second one today.Famously,The Giving Pledge is a promise by the world's wealthiest individuals and families to dedicate the majority of their wealth to charitable causes.The problem is, charitable foundations and organizations aren't historically the most efficient way to solve the world's problems. They exist for good reason, but most operate like old corporates rather than savvy startups.However, what if we thought of economic opportunity and global prosperity as a more ubiquitous problem to solve, and instead of funding mission-driven work, we fund the entirety of the tech sector?What if instead of the average high net worth individual trying to get a 3-5X return over 10 years, you focused on the ultra high net worth population, the economic development groups, and the sovereign funds who are both trying to achieve these returns and trying to improve the world?What if you focused on their shared goals and values as customers, like creating economic opportunity and building a durable legacy?What if you could do it in every corner of the planet through access to entrepreneurship?What if instead of one PayPal Mafia, you had thousands?What if you had an investor who could actually deploy $5B per year at the formation stage?That has simply never existed before, and yet it is a defining opportunity for the human race and our evolution as a society.Currently, high potential employees are stuck in their corporate jobs.Our brightest minds handcuffed to benefits and addicted to a salary, never realizing their true potential or having a real impact on the world.Many go get their MBA where they spend money to learn new skills and acquire a network, rather than receive money for becoming a more productive citizen of the world.Many job hop looking for a low-risk way to get on a rocket ship.Some try to build their own, but quickly run out of runway and mental fortitude.It's a broken system, and we need to rebuild it.First it requires a product.The product needs to be for two groups—the founders and the investors.It starts with the infrastructure required to reduce the risk of being a founder which in turn attracts more of the brightest minds to the job itself. At the same time, the product also has to be an investment vehicle that attracts a new type of customer to early-stage VC.… Lots MoreWhat A Drag It IsAmerica Feels OldEVAN SHAPIROJAN 29, 2024Since 2019, America's population has grown by 7.8 million. Yet, the US now has 2.7 million fewer kids under 15 than it did in 2019. Meanwhile, there are now 7.1 million more Americans 65-80 than five years ago. America now has half a million fewer people under 40 than it did in 2019 and almost 8.4 million more people over 40.Because of the sheer size of the Baby Boomer Generation and the fact that younger Americans have pulled out on having kids, in the last five years, America has gotten old - not just compared to itself, but also compared to the rest of the world.In 2019, 63% of the world's population was under 40. Now, 64% of the people of the planet are 39 or younger. In short:Over the last half-decade the world has gotten one percent younger and America has gotten one percent older.One percent may seem small. However, the consequences of this demographic shift are consequential. For countries like the US, the UK, France, Italy, Germany, and Japan, with aging populations where the number of people over 60 is growing faster than the number of people under 15, the coming years will be filled with challenges brought on by their age: Workforce shortages, inverted dependency ratios where a diminishing tax-base struggles to fund a widening social safety net, health care infrastructures ill-equipped to deal with increased demand. As the world's wealthiest and most powerful nations continue to age faster than they reproduce, expect these issues to get increased and more urgent attention.After decades of aging down, the US population is now aging up quickly. In 2000, 58% of the US population was under 40 years old. Now just a slim majority of 51% is under 40. The impacts of this rapid maturation can be felt throughout our culture, but perhaps nowhere as dramatically as in America's Media and Tech industries.Over the last half century (but for some intermittent challenges from Japan and China), the US has led the world in entertainment and technology, setting the standard for the world's consumption of Media. While many TVs and phones are manufactured in other countries, most of the systems, software, and vision for these products has come from America - and the entertainment consumed on these devices has been, for many decades, the United States' most notable export.Now, America's Media Industrial Complex finds itself amidst a widely-reported bloodbath of its own making. Recently, this meltdown has been joined by America's leading Tech firms. Some of this is cyclical, driven by innovation cycles, advertising recessions, and even the aftermath of the worldwide pandemic. But muchof the current Media Apocalypse was as predictable as the upside-down aging ratio of our population.The first decade of the 21st Century was marked by an almost inconceivable level of innovation in American Media and Tech. The internet invaded all aspects of our lives. Broadband grew across the country like a high-speed weed, bringing the universe to our desktops, making all our worlds, at once, much bigger and infinitely smaller. By 2012, tiny supercomputers known as smartphones had reached a critical mass in the US and TV was streaming into our homes.Then, right around that time, America's Media C-Suite inhabitants seemingly started a shared mid-life crisis, through which we are all still living.Bob Iger took over Disney in 2005, when he was 53 years old. Through some of the most masterful deal-making in Media history, and (seemingly) a true vision of the future, Iger took a troubled company and turned it into the greatest proprietor of intellectual property the world has ever known. He bought Pixar in 2006, revitalizing Disney Animation. He bought Marvel in 2009, jump stating the most successful film and TV franchise in history. He bought Lucasfilm in 2012, completing what many see as bar-setting hat-trick of entertainment, bringing the most valuable collection of titles in entertainment all under one roof.… Lots MoreBuilding Under RegulationAn essay on the EU Digital Markets Act and Apple's "Update on apps distributed in the European Union" (and some personal history)STEVEN SINOFSKYJAN 27, 2024Readers note: This is a long post. There are enough hot takes on this super important issue. I welcome corrections as always.This week Apple detailed the software changes that will appear in an upcoming release of iOS to comply with the European Union Digital Markets Act (DMA).  As I read the over 60 pages of the DMA when it was passed (and in drafts before that, little of which changed in the process) my heart sank over the complexity of a regulation so poorly constructed yet so clearly aimed at specific (American) companies and products. As I read through many of the hundreds of pages of Apple documents detailing their compliance implementation my heart sank again. This time was because I so thoroughly could feel the pain and struggle product teams felt in clinging to at best or unwinding at worst the most substantial improvement in computing ever introduced—the promise behind the iPhone since its introduction. The reason the iPhone became so successful was not a fluke. Consumers and customers voted that the value proposition of the product was something they preferred, and they acted by purchasing iPhone and developers responded by building applications for iOS. The regulators have a different view of that promise, so here we are.To be clear, DMA covers a wide range of products and services all deemed to be critical infrastructure in the digital world. It is both an incredibly broad and sometimes oddly specific regulation. As written the regulation covers at least online intermediation services [commercial internet sites/markets], online search engines, web browsers, advertising services, social network services, video sharing platforms, number-independent interpersonal communications services [messaging], operating systems, virtual assistants, and cloud computing.If you're well-versed in online you can map each one of those to precisely who the target might be, or sometimes targets. It is all big tech, almost exclusively US-based companies. There are no EU companies that meet the criteria to be covered—hardcoded revenue of EUR 7.5 billion for three years, EUR 7.5 billion market cap, or 45 million MAU—with Alphabet, Amazon, Apple, ByteDance, Meta, Microsoft, and Samsung acknowledging the criteria apply to various units in addition to the following other “very large online platforms”: Alibaba AliExpress, Booking.com, Pinterest, Snapchat, Twitter, Wikipedia, Zalando [German fashion retailer]. Those thresholds seem strangely not round.I am going to focus on the Apple and primarily their App Store response because I think it is the most important and time critical and because iPhone is the most unique, innovative, and singular product in market. I can easily replace search, a browser, an ad network, a social network, a video site. Even cloud computing is not so sticky, and we all use multiple messaging services. What iPhone delivers is irreplaceable. At least for many of the subset of smartphone users that chose Apple.The thing is, as impressive as Apple has been it is not *that* successful by the measures that count for dominance. Worldwide Apple is clearly the number two smartphone to Google Android which has over 70% share. In the Europe (excluding Russia) Apple iPhone has about a 33% share (I won't debate exact numbers, units sold v in use, revenue v. profit v. units, etc. as all those do is attempt to tell a story that isn't obvious, which is Android is more popular). That's hardly a monopoly share by any standard. In some European countries Apple has a higher share, some data providers would say as high as 50% or nearly 60%, which by most legal standards is still not quite at a monopoly level especially in a dynamic market. Apple has not been fined, sued, or otherwise convicted of having a dominant share let alone abusing the market position it has. No consumer harm has been demonstrated. In Epic v. Applespecifically on the store, Apple prevailed in 9 of 10 claims of damages to Epic due to the store's costs. Of note, the same claims in Epic v. Google resulted in liability from Google and is being appealed. Many of most vocal competitors didn't even exist before the iPhone. They have become huge companies and don't appear to be struggling, and in fact benefit from being part of the iPhone ecosystem. Counter to the text of the DMA, innovation seems to be thriving as measured by the number of new companies and distinct new services.Yet, the EU DMA has declared that Apple is a “gatekeeper”—an ominous term applied to Apple among the others.… Lots MoreApple's Plans for the DMA in the European UnionFriday, 26 January 2024Apple yesterday announced a broad, wide-ranging, and complex set of new policies establishing their intended compliance with the European Union's Digital Markets Act, which comes into effect March 7. There is a lot to remark upon and numerous remaining questions, but my favorite take was from Sebastiaan de With on Twitter/X, the day before any of this was announced.After quipping “Oh god please no” to a screenshot of the phrase “Spotify also wants to roll out alternate app stores”, de With had this conversation:de With:The EU is once again solving absolutely no problems and making everything worse in tech. I gotta say, they are if anything highly consistent.“Anton”:Overly powerful, rent-seeking gatekeepers seem like a problem.de With:I love that I can't tell if you are talking about the EU or Apple in this case.My second-favorite take, from that same thread, was this from Max Rovensky:DMA is not pro-consumer.It's anti-big-business.Those tend to coincide sometimes, which makes it an easy sell for the general public, but do actually read the DMA, it's quite interesting.I'd go slightly further and describe the DMA as anti-U.S.-big-business, because as far as I can tell, nothing in the DMA adversely affects or even annoys any European tech companies. There are aspects of it that seem written specifically for Spotify, in fact.But Rovensky's framing captures the dichotomy. Anti-big-business regulation and pro-consumer results often do go hand-in-hand, but the DMA exposes the fissures. I do not think the DMA is going to change much, if anything at all, for the better for iOS users in the E.U. (Or for non-iOS users in the EU, for that matter.) And much like the GDPR's website cookie regulations, I think if it has any practical effect, it'll be to make things worse for users. Whether these options are better for developers seems less clear.I've often said that Apple's priorities are consistent: Apple's own needs first, users second, developers third. The European Commission's priorities put developers first, users second, and “gatekeepers” a distant third. The DMA prescribes not a win-win-win framework, but a win-win-lose one.Apple is proud, stubborn, arrogant, controlling, and convinced it has the best interests of its customers in mind.The European Commission is proud, stubborn, arrogant, controlling, and convinced it has the best interests of its citizens in mind.Ever since this collision over the DMA seemed inevitable, starting about two years ago, I've been trying to imagine how it would turn out. And each time, I start by asking: Which side is smarter? My money has been on Apple. Yesterday's announcements, I think, show why.APPLE'S PROPOSED CHANGESIt's really hard to summarize everything Apple announced yesterday, but I'll try. Start with the main Apple Newsroom press release, “Apple Announces Changes to iOS, Safari, and the App Store in the European Union”:“The changes we're announcing today comply with the Digital Markets Act's requirements in the European Union, while helping to protect EU users from the unavoidable increased privacy and security threats this regulation brings. Our priority remains creating the best, most secure possible experience for our users in the EU and around the world,” said Phil Schiller, Apple Fellow. “Developers can now learn about the new tools and terms available for alternative app distribution and alternative payment processing, new capabilities for alternative browser engines and contactless payments, and more. Importantly, developers can choose to remain on the same business terms in place today if they prefer.”Schiller is the only Apple executive quoted in the press release, and to my ear, his writing hand is all over the entire announcement. Apple was quite clear before the DMA was put into law that they considered mandatory sideloading on iOS a bad idea for users, and their announcement yesterday doesn't back down an inch from still declaring it a bad idea.Apple has also argued, consistently, that they seek to monetize third-party development for the iOS platform, and that being forced to change from their current system — (a) all apps must come from the App Store; (b) developers never pay anything for the distribution of free apps; (c) paid apps and in-app-purchases for digital content consumed in-app must go through Apple's In-App Payments system that automates Apple's 30/15 percent commissions — would greatly complicate how they monetize the platform. And now Apple has revealed a greatly complicated set of rules and policies for iPhone apps in the EU.MG Siegler has a great — and fun — post dissecting Apple's press release line-by-line. Siegler concludes:I'm honestly not sure I can recall a press release dripping with such disdain. Apple may even have a point in many of the points above, but the framing of it would just seem to ensure that Apple is going to continue to be at war with the EU over all of this and now undoubtedly more. Typically, if you're going to make some changes and consider the matter closed, you don't do so while emphatically shoving your middle fingers in the air.Some of these changes do seem good and useful, but most simply seem like convoluted changes to ensure the status quo actually doesn't change much, if at all. Just remember that, “importantly, developers can choose to remain on the same business terms in place today if they prefer.” What do you think Apple prefers?The puzzle Apple attempted to solve was creating a framework of new policies — and over 600 new developer APIs to enable those policies — to comply with the DMA, while keeping the path of least resistance and risk for developers the status quo: Apple's own App Store as it is.….Lots MoreAmazon Drops iRobot Deal; Roomba Maker Cuts 31% of Staff* IRobot CEO steps down and company cuts workforce by 31%* Tech giant to pay $94 million to iRobot over deal terminationBy Samuel Stolton, Leah Nylen, and Matt DayJanuary 29, 2024 at 5:33 AM PSTAmazon.com Inc. has abandoned its planned $1.4 billion acquisition of Roomba maker iRobot Corp. after clashing with European Union regulators who had threatened to block the deal.The fallout came quickly. IRobot, which has been struggling recently, said Chief Executive Officer Colin Angle has stepped downas the company embarks on a restructuring plan that will result in about 350 job cuts, or 31% of the workforce. The vacuum maker's shares tumbled 19% in New York to $13.80, their lowest level since 2009. Amazon's shares were up less than 1% at $160.07.The decision is a sign of the intense pressure Amazon is facing to prove its actions don't harm competition as its influence grows in retail, cloud-computing and entertainment. Antitrust regulators on both sides of the Atlantic have been keen to ensure that the biggest US tech companies don't snap up innovative startups before they have a chance to become formidable competitors on their own.Amazon met with the FTC's senior antitrust staff last week, who informed the company they were recommending a suit over the deal, according to a person familiar with the meeting. Executives and lawyers from the tech giant were scheduled to meet with the FTC's three commissioners this week to make a final push for the acquisition, said the person, who asked not to be named discussing the confidential probe.… Lots MoreEnvisioning the Future of Human Work in the Age of AI: The 2024 ForecastResearch Fellowship ProgramIntroductionAs technological change and the adoption of new technologies like artificial intelligence (AI) accelerate, the future of human work will be characterized by disruption, uncertainty, and opportunity. As 2024 approached, the Team Flow Institute Research Fellows gathered for a roundtable to discuss their visions for the future of human-focused work in the age of AI. As described by the institute's co-founder and Managing Director, Chris Heuer, “The Team Flow Institute is an organization dedicated to shaping a human-centric future of work as we face the choice of augmentation or automation in every industry and every function. This transformational decision will reshape what we call work and society itself, requiring us to abandon business as usual and finally design business as possible.” The Team Flow Institute Research Fellows' roundtable discussion delved into the potential opportunities and challenges of this technology revolution driven by the institute's “mission to gather like-minded individuals and organizations to steer our collective destiny toward a more sustainable future, where the essence of humanity and human work is valued and preserved as we increasingly adopt AI tools and technologies, explained Jennifer McClure, Senior Research Fellow, and Advisory Board member. This article analyzes key insights from the discussion, offering a glimpse into the work landscape of 2024 and beyond. As the Team Flow Institute embarks on its inaugural fellowship program, this analysis holds particular significance as it seeks to equip individuals with the knowledge and skills necessary to thrive in the evolving landscape of AI-enabled work. Through this program, the Team Flow Institute aims to foster a community of leaders who can guide organizations and individuals toward a future where humans and technology collaborate to create a more sustainable and fulfilling work environment.Part I: AI Progress and PromiseNo longer relegated to science fiction, AI has infiltrated our lives, transforming industries with its vast potential. From automating tedious tasks to streamlining complex decision-making processes, its applications are far-reaching. In the realm of design, AI-powered software is revolutionizing industries like architecture and fashion, enabling rapid prototyping and personalized creations. Team Flow Institute co-founder Jaime Schwarz says, “Imagine being able to prototype a new building or clothing line in minutes instead of weeks. This remarkable advancement accelerates design cycles and fosters increased customization, ultimately leading to more innovative and personalized consumer products.”The creative landscape is also poised for disruption with the emergence of generative AI. Team Flow Institute Research Fellow Shel Holtz describes its transformative potential: “Generative AI is blurring the lines between human and machine creativity. We're seeing machines create realistic text, images, and even music that is nearly indistinguishable from human-generated work.” This democratization of creativity opens doors for individuals with diverse backgrounds and abilities to express themselves in new and exciting ways. But it also opens up philosophical questions and debates about the nature of art and creativity, adds Jen McClure. Amidst these exciting advancements, Chris Heuer reminds us that “AI is not just a science fiction concept anymore; it's here, and it's changing the way we do everything.” This necessitates a thoughtful approach to the future of work, a need to ensure the value of human skills and their role in work, proactive workforce development initiatives to ensure that individuals are equipped with the necessary skills to thrive in the evolving job market, and an elevation of the need for constant communications within organizations, reminds Team Flow Institute Research Fellow Sharon McIntosh.As AI continues to permeate our lives, it is crucial to acknowledge its remarkable potential and challenges. By navigating this dynamic landscape with careful consideration and proactive planning, we can ensure that AI serves as a force for progress, innovation, and a brighter future for all. As Team Flow Institute Research Fellow Gina Debogovich reminds us, it will undoubtedly unlock economic growth. “The 20th century began with a global GDP of $3 trillion and, largely due to technological advancement, ended with a GDP of $33.8 trillion. AI is poised to boost the economy to unseen heights.”AI will be a catalyst for creating new jobs, just as the web did in the mid-1990s. Businesses must integrate these jobs and activities into existing workflows and business models and develop new ones. Indeed, innovative organizations are already experimenting with, if not embracing, the role of prompt engineers. The Team Flow Institute advocates for a Team Flow Facilitator to serve as a coach, a collaboration facilitator, and an AI pilot to support high-performing teams.Part II: The Risks and DownsidesWhile AI offers many benefits, possibilities, and opportunities, its advancements are not without potential pitfalls. AI and automation technologies bring both promise and peril to the workforce. While they offer the potential to augment human capabilities and business efficiencies significantly, understandable concerns persist surrounding job losses and the general impact on workers. Organizations must chart a thoughtful course that fully harnesses technical capabilities without losing sight of the humans at the heart of work.… Lots MoreVideo of the WeekProduct of the WeekThe Vision ProTuesday, 30 January 2024For the last six days, I've been simultaneously testing three entirely new products from Apple. The first is a VR/AR headset with eye-tracking controls. The second is a revolutionary spatial computing productivity platform. The third is a breakthrough personal entertainment device.A headset, a spatial productivity platform, and a personal entertainment device.I'm sure you're already getting it. These are not three separate devices. They're one: Apple Vision Pro. But if you'll pardon the shameless homage to Steve Jobs's famous iPhone introduction, I think these three perspectives are the best way to consider it.THE HARDWAREVision Pro comes in a surprisingly big box. I was expecting a package roughly the dimensions of a HomePod box; instead, a Vision Pro retail box is quite a bit larger than two HomePod boxes stacked atop each other. (I own more HomePods than most people.)There's a lot inside. The top half of the package contains the Vision Pro headset itself, with the light seal, a light seal cushion, and the default Solo Knit Band already attached. The lower half contains the battery, the charger (30W), the cables, the Dual Loop Band, the Getting Started book (which is beautifully printed in full color, on excellent paper — it feels like a keepsake), the polishing cloth1, and an extra light seal cushion.To turn Vision Pro on, you connect the external battery pack's power cable to the Vision Pro's power connector, and rotate it a quarter turn to lock it into place. There are small dots on the headset's dime-sized power socket showing how to align the cable connector's small LED. The LED pulses when Vision Pro turns on. (I miss Apple's glowing power indicator LEDs — this is a really delightful touch.) When Vision Pro has finished booting and is ready to use, it makes a pleasant welcoming sound.Then you put Vision Pro on. If you're using the Solo Knit Band, you tighten and loosen it using a dial on the band behind your right ear. VisionOS directs you to raise or lower the headset appropriately to position it at just the right height on your face relative to your eyes. If Vision Pro thinks your eyes are too close to the displays, it will suggest you switch to the “+” size light seal cushion. You get two light seal cushions, but they're not the same: mine are labeled “W” and “W+”. The “+” is the same width, to match your light seal, but adds a wee bit more space between your eyes and the displays inside Vision Pro. For me the default (non-“+”) one fits fine.The software then guides you through a series of screens to calibrate the eye tracking. It's all very obvious, and kind of fun. It's almost like a simple game: you stare at a series of dots in a circle, and pinch your index finger and thumb as you stare at each one. You go through this three times, in three different artificial lighting conditions: dark, medium, and bright. Near the end of the first-run experience, you're prompted to bring your iPhone or iPad nearby, just like when setting up a new iPhone or iPad. This allows your Vision Pro to get your Apple ID credentials and Wi-Fi password without entering any of that manually. It's a very smooth onboarding process. And then that's it, you're in and using Vision Pro.There's no getting around some fundamental problems with the Vision Pro hardware.First is the fact that it uses an external battery pack connected via a power cable. The battery itself is about the width and height of an iPhone 15/15 Pro, but thicker. And the battery is heavy: about 325g, compared to 187g for an iPhone 15 Pro, and 221g for a 15 Pro Max. It's closer in thickness and weight to two iPhone 15's than it is to one. And the tethered power cable can be an annoyance. Vision Pro has no built-in reserve battery — disconnect the power cable from the headset and it immediately shuts off. It clicks firmly into place, so there's no risk of accidentally disconnecting it. But if you buy an extra Vision Pro Battery for $200, you can't hot-swap them — you need to shut down first.… Lots MoreApple's Vision Pro -The Meta-Review.Apple Vision Pro reviews have started to roll in — and depending on who you read, the consensus vacillates between amazing and work in progress. In most cases, they reflect some version of reality. If one is looking for faults with Apple's face computer, then one will find them. And if you are looking at what it represents, you are going to be excited. I am in the ‘camp' of the amazed, though I am not blinded by the challenges that await Vision Pro in the real world.The Verge's Nilay Patel sums up the challenge of Vision Pro, writing:The technology to build a true optical AR display that works well enough to replace an everyday computer just isn't there yet. The Magic Leap 2 is an optical AR headset that's cheaper and smaller than the Vision Pro, but it's plagued by compromises in field of view and image quality that most people would never accept. So Apple's settled for building a headset with real-time video passthrough — it is the defining tradeoff of the Vision Pro. It is a VR headset masquerading as an AR headset. And let me tell you: the video passthrough on the Vision Pro is really good. It works! It's convincing. You put the headset on, the display comes on, and you're right back where you were, only with a bunch of visionOS windows floating around.Let's get on with the cons: The Verge points out problems like ‘motion blur,' ‘blurriness,' ‘color fringing,' ‘limited field of view,' and ‘vignetting.' I have not personally experienced any of these because, well, I don't have the device.The device is sometimes laggy. It's heavy, and the wired battery is limited to just over 2 hours. You can plug it into a ‘wall charger' with a USB-C cable, or daisy-chain it to another USB-C battery pack. And it does get a tad warm. You need to use the ‘dorky' headband to use the device without feeling the weight (or in some cases, a headache).None of this surprises me! Vision Pro is, after all, a full-blown computer. It's made from magnesium, carbon fiber, and aluminum. It has two high-resolution front-facing cameras (video pass-through), two cameras that face down to track your hands and gestures, a LiDAR, TrueDepth cameras, and some kind of infrared lights. The device has two tiny MicroOLED displays packed with a total of 23 million pixels. (As I noted in an earlier piece, these displays are the magic and the primary reason why Vision Pro is so expensive.)All these sensors, cameras, and displays are powered by an M2 chip and an R1 spatial coprocessor, and fans. Apple has packed this in an enclosure that is about three times the weight of the iPhone 15 Pro Max and is still lighter than the iPad 12.9. Paint me impressed purely from a technological standpoint.…. Lots MoreMy 4 magic moments with Vision ProNo, not again! Not another Vision Pro Review! I feel you — after all the reviews yesterday, I am pretty sure you don't want to read another review. Here's the good news — it's not a review. Instead, I will share my quick impressions from a deep dive at Apple Park, and my four magic moments with the Vision Pro.Unlike the reviewers who published their reviews, my access to the device has come in dribs and drabs. It has been a carefully managed experience — an early demo, exposure to the photos app, and the spatial video capabilities. A few days ago, I got to use the device for less than two hours.This was a highly curated experience — so this doesn't and won't qualify as a review. I am skipping all the stuff that has been covered by the deep dive that professional reviewers have already published. WSJ's Joanna Stern's review is amazing — especially the video version. It is best to consider these as my considered impressions.First, can I wax eloquent about the technological achievement of Vision Pro? As a chip and hardware nerd, I think Vision Pro is a witches' brew of the latest of all types of technologies. Let me quote my post from yesterday:Vision Pro is, after all, a full-blown computer. It's made from magnesium, carbon fiber, and aluminum. It has two high-resolution front-facing cameras (video pass-through), two cameras that face down to track your hands and gestures, a LiDAR, TrueDepth cameras, and some kind of infrared lights. The device has two tiny MicroOLED displays packed with a total of 23 million pixels. (As I noted in an earlier piece, these displays are the magic and the primary reason why Vision Pro is so expensive.)All these sensors, cameras, and displays are powered by an M2 chip and an R1 spatial coprocessor, and fans. Apple has packed this in an enclosure that is about three times the weight of the iPhone 15 Pro Max and is still lighter than the iPad 12.9. Paint me impressed purely from a technological standpoint.What's even more impressive is the sound — Apple is using beamforming to direct the sound into your ears. And unless you are really blasting it out loud — you could get away with wearing it in a public place — though people in Business Class will notice the slight din from the seat next to them. Apple is hoping you will splurge on AirPods Pro.No matter how you see the device — love it or hate it, you can't deny that it is yet another amazing computer built by a company that knows how to build great consumer computers.… Lots MoreApple Vision Pro Review: The Best Headset Yet Is Just a Glimpse of the FutureWorking, cooking, skiing, kicking back—our columnist wore Apple's new mixed-reality headset for a week to see what it's forBy Joanna Stern at the WSJJan. 30, 2024 at 9:00 am ETA few things surprised me after wearing the Vision Pro mixed-reality headset for nearly 24 hours straight:* I didn't puke. * I got a lot of work done.  * I cooked a delicious meal.Also, my Persona—the headset's animated video-call avatar—will haunt your dreams.For the last week, I have been testing Apple's boldest bet yet on the post-smartphone future. Strap on the 1.4-pound goggles and you see apps floating right in your living room. Living room a stress-inducing mess? Go full virtual reality and watch a 3-D movie on a giant screen perched on the mouth of a Hawaiian volcano.Let's get this out of the way: You're probably not going to buy the $3,500 Apple Vision Pro. Unless you're an app developer or an Apple die-hard, you're more likely to spend that kind of money on an actual trip to a Hawaiian volcano.And that's OK. Reviewing the Vision Pro, I wanted to understand the potential of the device, and the technical constraints that keep it from being a must-have, at least for now. Most importantly, I wanted to answer one question: In a world full of screens, what's the benefit of strapping one to your eyes?… Lots MoreNews Of the WeekSpotify calls Apple's DMA compliance plan ‘extortion' and a ‘complete and total farce'Sarah Perez @sarahpereztc / 2:41 PM PST•January 26, 2024Image Credits: Jakub Porzycki/NurPhoto (opens in a new window)/ Getty ImagesCount Spotify among those not thrilled with how Apple has chosen to comply with the EU's Digital Markets Act (DMA), which sets the stage for sideloading apps, alternative app stores, browser choice, and more. On Friday, the streaming music company issued its response to Apple's new DMA rules, calling the new fees imposed on developers “extortion” and Apple's compliance plan “a complete and total farce,” that demonstrated the tech giant believes that the rules don't apply to them.Apple earlier this week announced a host of changes that comply with the letter of the EU law, if not the spirit. The company said that app developers in the EU will receive reduced commissions, but it also introduced a new “core technology fee” that requires developers to pay €0.50 for each first annual install per year over a 1 million threshold, regardless of their distribution channel. It will also charge a 3% payment processing fee when developers use Apple's in-app payments instead of their own.Epic Games' CEO Tim Sweeney, whose company sued Apple over antitrust concerns, already condemned Apple's plan, saying it was a case of “malicious compliance” and full of “junk fees,” and now Spotify is essentially saying the same.…. Lots MoreInvestors raise billions to buy discounted stakes in start-upsBuyers return after secondary market for private shares was hit by higher interest ratesGeorge Hammond and Tabby Kinder in San Francisco and Nicholas Megaw in New YorkJANUARY 16 2024Investment firms are raising billions of dollars to buy stakes in venture capital-backed technology start-ups, as a long drought in acquisitions and initial public offerings forces early investors to offload their stock at discounts. The start-up secondary market, where investors and employees buy and sell tens of billions of dollars' worth of shares in privately held companies, is becoming an increasingly important trading venue, in the absence of traditional ways of cashing out and given a slowdown in start-up funding. Venture secondaries buyers are primed for a busy year as start-up employees look for a way to sell their stock and investors look to return capital to their own backers or reallocate it elsewhere. Secondary market specialist Lexington Partners last week announced a new $23bn fund to buy up stakes from “large-scale investors”. Lexington had originally aimed to raise $15bn, but upped its target on the back of high demand, and said it was “in the early stages of a generational secondary buying opportunity” that could last years.The fund will predominantly buy shares from private equity funds but also expects to invest as much as $5bn into venture capital secondaries, said a spokesperson.“We are seeing crazy amounts of [limited partner investors] that are distressed and need to lighten their venture load,” said the head of a $2bn venture capital firm. The latest Lexington fund “speaks to the sheer demand” from LPs that feel “over-allocated” to private capital including to start-ups, they said. Other specialist firms such as Pinegrove Capital Partners, a joint vehicle created by Brookfield Asset Management and Sequoia Heritage, and StepStone have also been raising multibillion-dollar funds to target venture secondaries.…. Lots MoreFounders: getting to the next venture stage may take longer than you expectPeter WalkerHead of Insights @ Carta | Data StorytellerThe median number of days between a priced seed and Series A round hit 679 in 2023, a new peak.Median for Series A to B was 744 days (over 2 years). Very similar for Series B to C (739 days, also over 2 years).Fascinating to watch the 25th percentile (green) and the 75th percentile (blue) trends as well. It looks as though the 25th pct has pulled closer to the median for the middle venture rounds - suggesting there are very few companies speed-running through venture fundraising right now. Some of that could be company choice, as founders have cut spend and become more capital-efficient over the prior 12 months. However, I'm certain a lot of the increase in time is due to VCs being far more choosy about where to invest.So what are founders doing if primary rounds are not on the menu? Getting creative.Founders are raising bridge rounds at record rates, usually from insiders already on the cap table. They are turning to SAFEs and Convertible Notes, even between named venture stages. Some are turning to non-dilutive financing and loans.And many are trying to make customer revenue their primary fundraising channel. But switching from growth at all costs to profitability in a short period of time is no easy track change. My bet is that the time between rounds plateaus in 2024 (or maybe even declines just a touch). Maybe that's wishful thinking

Are your Canadian investments earmarked as fixed income and secured assets still locked in the slow lane with GICs and bonds? Maybe you're starting to realize that fixed rates of 5% are more like 3% to 3.5% after taxes. Ever wondered if there's a way to navigate through the “safe” portion of your Canadian investment portfolio without having to commit the ongoing effort to ensure your return is worth the while? Stay tuned for an episode that sheds light on innovative Canadian investment strategies, reshaping the traditional approach to investments for wealth growth while also navigating the income tax implications!In 2023, the allure of high GIC rates in Canada was hard to resist, but what if we told you there is a strategy that not only sidesteps the pitfalls of the traditional investments we tend to use for our fixed income and secured asset portion of our investment portfolio, but also maximizes your growth potential while simultaneously optimizing for income tax benefits? Today, we explore why investing in the same old bond and fixed income investments for the “safer” part of your portfolio doesn't have to require so much time, effort, and dependence on interest rates. Specifically, we will dig into how a participating whole life policy - when properly structured for a high early cash value - can be the game-changer you've been searching for to offer the investment safety you are after for a portion of your portfolio, with added Canadian income tax advantages. Learn how to navigate the ups and downs of GICs and bonds in the Canadian market, avoiding the pitfalls of fluctuating rates, all while optimizing for income tax efficiency.Uncover the secret to Canadian tax-efficient investing, ensuring your returns aren't eroded by income tax implications specific to Canada.Imagine a Canadian world where your safer investments enjoy tax sheltering without compromising valuable RRSP/TFSA room, allowing you to supercharge your portfolio. Ready to revolutionize your Canadian approach to investing and income tax planning? Tune in now to discover the PAR Whole Life strategy, that not only aligns with your investment goals but also strategically navigates the nuances of income tax in Canada. Don't miss out – hit play and take control of your Canadian wealth journey!Resources: How Much Of Your Income Should Go To Investing?What is the 50/15/5 Rule?Buffet's 90/10 RuleEpisode 54: How To Supercharge Your Emergency FundBook a Discovery Call with us so we can help you overcome your current struggle and take the next step in your financial journeyFollow Kyle Pearce on LinkedIn for daily posts and conversations about business, finance, and investment. Dig into our Ultimate Investment Book List Analysis Paralysis is REAL! You're real estate portfolio will stay empty until you take action.Grab our free training on how to analyze deals and also grab our analyze spreadsheet that does the dirty work for you. Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Kenneth Zucker during his time at the GICDr Ken Zucker has an impressive CV. The editor of the prestigious journal Archives of Sexual Behavior, he took a leading role helping devise diagnostic and treatment guidelines for gender dysphoric individuals, and headed the group which developed the DSM-5's criteria for its “gender dysphoria” entry.Zucker also helped write the “standards of care” guidelines for the World Professional Association for Transgender Health, which is a textbook relied upon by clinicians who treat gender-dysphoric patients and those presenting as transgender.Why, then, was he sacked from GIC (part of The Centre for Addiction and Mental Health (CAMH) in 2015, and eventually awarded a massive payout following a case he took against his former employer? I visited Zucker at his home in Toronto to find out, and to talk about whether his views on gender had changed since he has been hit with a whole heap of slurs and accusations of ‘transphobia' and bigotry. Have a listen and find out the whole story, straight from Zucker. “CAMH apologizes without reservation to Dr. Zucker for the flaws in the process that led to errors in the report not being discovered and has entered into a settlement with Dr. Zucker that includes a financial payment to him.”The apology, abridged This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit juliebindel.substack.com/subscribe

In this episode Craig sits down with Sam Rosen (VP, Venture Capital at GIC) to discuss the current startup landscape, the pros & cons of going into venture vs. working at a startup, and some frameworks and advice for how to do your diligence on finding a startup to work for.

In this episode of RPM, Christian Frei, StepStone head of risk joins Michael Venne to discuss some of the main insights from StepStone's recent collaboration with GIC: a whitepaper that provides an overview of private debt investment opportunities and a framework for building an optimal private debt portfolio. They cover a range of topics including:  The genesis of the project (1:53); How investors regard private debt (5:29);  Optimizing for risk and return (7:15);  Stress loss as a risk measure (10:06); Tactical versus strategic considerations (14:11). See omnystudio.com/listener for privacy information.

Sahill Poddar's journey has been one of determination, intellectual curiosity, and a passion for making an impact. From tinkering with his first computer to delving into the world of particle physics, Sahill's experiences have shaped him into the entrepreneur he is today. His startup, Parafin, attracted funding from top-tier investors like GIC, Thrive Capital, Atalaya Capital Management, and Ribbit Capital.

Sahill Poddar's journey has been one of determination, intellectual curiosity, and a passion for making an impact. From tinkering with his first computer to delving into the world of particle physics, Sahill's experiences have shaped him into the entrepreneur he is today. His startup, Parafin, attracted funding from top-tier investors like GIC, Thrive Capital, Atalaya Capital Management, and Ribbit Capital.

Singapore's sovereign wealth fund GIC has accelerated dealmaking in the US, and US president Joe Biden's son has agreed to plead guilty to tax and firearm possession charges. Plus, the FT's Madhumita Murgia visited an AI voice technology start-up to explain some of its applications and risks. Mentioned in this podcast:Singapore's GIC accelerates US deals as China coolsHunter Biden hit with federal tax and firearm chargesCan AI make me a musical star?The FT News Briefing is produced by Fiona Symon, Sonja Hutson and Marc Filippino. Additional help by Katie McMurran, Peter Barber, Michael Lello, David da Silva and Gavin Kallmann. Topher Forhecz is the FT's executive producer. The FT's global head of audio is Cheryl Brumley. The show's theme song is by Metaphor Music. Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Today's episode is a true hedge fund master class. We convened a panel of three longstanding investors in the space - Craig Bergstrom, CIO and a Managing Partner of Corbin Capital Partners, Adam Blitz, CEO and CIO of Evanston Capital Management and a past guest on the show, and Dan Fagan, portfolio manager at GIC, Singapore's sovereign wealth fund. All three have been in the space the better part of two decades and have both a wealth of experience and nuanced understanding to share. Our conversation covers their respective investment approaches, impact of the higher rate environment, managing liquidity, and the potential for contagion. From there, we canvass perspectives on platform hedge funds, long-short equity, credit, and macro strategies. We close discussing fees, the most interesting opportunities, and places to avoid going forward. Show Notes 04:36    Firm and investment approach overview 11:07    Impact of higher rate environment 14:41    Asset allocation vs. manager selection 17:32    Market liquidity and contagion risk 23:54    LP liquidity 31:35    Platform hedge funds 43:52    Long-short equity 50:44    Credit opportunities 52:54    Macro strategies 57:56    Fees 1:04:29 Best ideas 1:08:22 Risks   Learn More Follow Ted on Twitter at @tseides or LinkedIn Subscribe to the mailing list Access Transcript with Premium Membership