Podcasts about Gic

Headline news for July 25, 2025: Paramount-Skydance merger, France’s plan to recognize Palestine, UK-Australia defense talks, Cambodia-Thailand ceasefire efforts, and Singapore’s GIC investment returns. Synopsis: A round up of global headlines to start your day by The Business Times. Written by: Howie Lim / Claressa Monteiro (claremb@sph.com.sg) Produced and edited by: Claressa Monteiro Produced by: BT Podcasts, The Business Times, SPH Media --- Follow Lens On Daily and rate us on: Channel: bt.sg/btlenson Amazon: bt.sg/lensam Apple Podcasts: bt.sg/lensap Spotify: bt.sg/lenssp YouTube Music: bt.sg/lensyt Website: bt.sg/lenson Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. Discover more BT podcast series: BT Mark To Market at: bt.sg/btmark2mkt WealthBT at: bt.sg/btpropertybt PropertyBT at: bt.sg/btmktfocus BT Money Hacks at: bt.sg/btmoneyhacks BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/podcasts BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

A record-breaking run for Temasek, copper prices soar on Trump’s tariffs, and Netflix bets big on anime. What does Temasek’s strategy tell us about smart investing? Will copper’s surge reshape global supply chains? And is NTT DC REIT Singapore’s next hot listing? Michelle Martin and Ryan Huang break it all down. Companies featured include Temasek, DBS, SingTel, Freeport-McMoRan, Southern Copper, NTT, GIC, BlackRock, Fidelity, Nvidia, Meta, Merck, IHH Healthcare, SGX, UOL, and Netflix.See omnystudio.com/listener for privacy information.

In this inspiring episode, we delve into the journey of General Instruments Consortium (GIC), a 60-year-old Indian manufacturing powerhouse led by third-generation CEO, Sarva Kulkarni. Discover how GIC has become a leading exporter of pressure, temperature, level, and flow instruments to over 37 countries, embodying the spirit of "Make in India" for a global market. Learn about their history, innovative approach to customized manufacturing, and Mr. Kulkarni's vision for taking an Indian manufacturing company to multinational status. This is a must-watch for entrepreneurs and anyone interested in India's growing manufacturing capabilities and global impact.Chapters Timestamp:0:00 Intro - The Rise of Make in India Manufacturing0:30 Meet Sarva Kulkarni - Third Generation Leading a 60-Year-Old Legacy1:05 Sarva's Background and Journey to CEO3:56 The Evolution of GIC: From Post-War Vision to Global Leader (1966-Present)5:55 Pioneering Manufacturing in India & Early Challenges6:46 Transitioning Generations & Expanding Global Reach8:10 Consecutive Export Excellence from India8:50 Understanding GIC's Products: Essential Instruments for Global Industries9:29 Serving Key Sectors: Oil & Gas, Pharma, Food & Beverage, and More (India & Global)11:57 Global Approvals and Presence in Over 35 Countries13:23 Vision: Building India's First Multinational Instrumentation Company14:04 India as a Global Manufacturing Hub: Insights and Challenges14:57 Why China Isn't GIC's Competition: The Power of Customization16:24 India's Strengths: Technology, Customization, and Skilled Workforce17:25 Scaling a Massive Product Portfolio & Global Expansion Strategy18:55 The Importance of Quality and Proven Track Record20:07 Navigating the Dynamics of a Family Business: Third Generation Leadership21:22 The Power of Knowledge and Respect in Leadership23:53 Intra-Family Dynamics and Succession Planning25:57 Empowering Growth: Father's Role in Sarva's Leadership26:48 Aiming for Exponential Growth: From 1 to 100 to 100028:02 Key Strategies for Double Growth in 3 Years: Capacity, Pricing, and Market Expansion29:36 Focus on Manpower, HR Systems, and a System-Driven Approach30:29 Navigating Global Challenges: Supply Chains and Geopolitical Tensions31:34 India's Strength: Self-Reliance and Domestic Focus33:54 Message to Entrepreneurs: Persistence, Learning, and Focusing on Manufacturing35:28 The Importance of Manufacturing for India's Economy36:06 Exploring Unexplored Areas: Semiconductors and High-Tech Manufacturing36:50 The Role of Collaboration and Knowledge Sharing38:07 GIC's CSR Initiatives: Fostering Innovation in Education38:30 Conclusion: Uplifting India Through Manufacturing and Innovation

Are you settling for low returns on your GICs just because your bank said it's the “best rate”? Think again. In this episode of Make Money Count, we're diving deep into Guaranteed Investment Certificates (GICs) and exposing how Canada's big banks are holding back, sometimes up to 1% less than what you could be earning elsewhere. Find out: Why banks offer lower GIC rates than other providers How GIC deposit brokers can help you earn more What net interest margins (NIMs) have to do with YOUR savings And how to start playing smarter with your money Whether you're a cautious saver or a curious investor, this episode is packed with insights that can help you take back control of your financial future.

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

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.

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

Who are our friends? Here's a bigger question: What is a boyfriend or a girlfriend? Is there such a thing as casual s*x for women? Watch out for men who have repeatedly broken girls' hearts and watch out for girls who have repeatedly had their hearts broken by men; they're dangerous. Why do earthquakes in non-western countries seem to kill more people than similar events in western countries? If human nature can change, then Shakespeare, Balzac, and Dostoevsky are obsolete. Comment and connect with other Happy Warriors and also access much ancient Jewish wisdom at your convenience. Click here: https://wehappywarriors.com/happy-warriors-basic  The best way to introduce your youngster to s*x education. Please don't let your local GIC be your child's first introduction to male/female relationships. There is a far better way.   Learn more about your ad choices. Visit megaphone.fm/adchoices