Podcasts about Goldman Sachs

This week on From The Feed, we cover why women are so integral in the planning process, what has happened to the price of at-home covid tests, Goldman Sachs prediction for the price of Bitcoin, the latest on Tesla's Starlink service, Tim Cook's take home pay and the keys for a happier financial life in 2022. (ThinkAdvisor, Dec. 2021) Why Women Must Be Part of Planning Meetings (Bloomberg, Jan. 2022) Rapid Covid Tests Are Reselling for Triple the Retail Price (CNN Business, Jan 2022) Goldman Sachs predicts bitcoin could hit $100,000 SpaceX's Starlink internet service has more than 145,000 users so far (CNBC, Jan 2021) Here's how much money Apple CEO Tim Cook made in 2021 (WSJ, Dec 2021) For a Happier Financial Life in 2022, Face Your Money Fears Link to Episode 21 - Money Scripts

Members of Narwhal's investment committee discuss whether or not the market is overreacting to Fed policy, the effect of international conflict on the market, Goldman Sachs earnings, and Mircosoft's acquisition of Activision.For information on how to join the Zoom calls live each morning at 8:30 EST, visit https://www.narwhalcapital.com/blog/daily-market-briefingsPlease see disclosures.

Today's guest is Neha Palmer, CEO of TeraWatt Instructure.TeraWatt Infrastructure is building tomorrow's permanent EV charging infrastructure through a robust combination of property assets, financing vehicles, and deep energy expertise. The company designs, operates and owns on-site distributed energy systems that take the cost and complexity out of EV charging infrastructure while providing market protection and upside opportunities through capital backing and ownership. Neha brings two decades of leadership experience in the energy industry to her role at TeraWatt. Most recently, she led energy strategy for Google's global data centers. As the first hire focused on data center energy, Neha built out and led the team developing electric infrastructure and electricity procurement for the global fleet, covering dozens of sites over four continents. Before Google, Neha held leadership roles at Pacific Gas & Electric and worked as an investment banker at Goldman Sachs. She holds an MBA in Finance from the Kellogg School of Management at Northwestern University and a BS in Civil Engineering from California Polytechnic State University-San Luis Obispo.In this episode, Neha shares what led her to focus on energy, her role as CEO at TeraWatt, and the startup's business model and customer base. We also compare the progress between transportation fleets and passenger vehicles, how Neha thinks about private v public EV charging infrastructure, and the way government can accelerate the EV revolution. This is a must-listen episode for those interested in understanding more about the future of electrifying transportation.Enjoy the show!You can find me on twitter @jjacobs22 or @mcjpod and email at info@myclimatejourney.co, where I encourage you to share your feedback on episodes and suggestions for future topics or guests.Episode recorded January 10th, 2022To learn more about TeraWatt Infrastructure, visit: https://terawattinfrastructure.com/To learn more about this episode, visit: https://myclimatejourney.co/ctss-episodes/terawatt-infrastructure

The world is starting not to make sense, and chaos seems to be brewing on the horizon. Are Democrats seeing the writing on the walls? The latest hail Mary pass from the Left is basically “fear porn.” Joy Behar on "The View" said, “If the Republicans are back in power… they will destroy us,” and you have Rep. Eric Swalwell saying, “[Republicans] never peacefully concede power again.” Why are they both using “fear porn” to motivate followers to vote Democrat? Sen. Rand Paul sent a WARNING to Americans that “it's only going to get worse” when it comes to inflation. Oil prices are predicted to soar in 2022, and Goldman Sachs is predicting an increase to $100 per barrel. Is this administration even paying attention to what matters? Texas has been the beacon of freedom, but a new contender is rising. Ron DeSantis is making Florida into America's new Texas. Jeff Rosenblum, author, joins to discuss his latest book, “Exponential,” and how can a business in 2022 thrive by empowering instead of interrupting. Today's Sponsors: Now more than ever, you have to take control of your health and your family's health. Go to http://ZSTACKLIFE.com/CHAD and enter the promo code CHAD to get 5% off your first order. Go to http://HomeTitleLock.com and register your address to see if you're already a victim. And enter RADIO for your 60-day money-back guarantee. Genucel's calendula flower base was formulated by a pharmacist to deliver scientifically researched ingredients to the areas you want the most! Just go to http://LoveGenucel.com/WATCHCHAD, and save OVER 60% on Genucel's Most Popular Package! And your Genucel Most Popular Package order includes the Genucel Revitalizing Night Repair Crème FREE at checkout! Learn more about your ad choices. Visit megaphone.fm/adchoices

We're back for a new, exciting year of the Google Cloud Platform Podcast! Mark Mirchandani and Carter Morgan start 2022 with a jointly hosted interview with Anton Chuvakin and Timothy Peacock of the Cloud Security Podcast team. Our guest, Phil Venables, is here to tell us about the driving trends in cloud security today. Phil starts the show with a discussion on the advances in cloud security in general and how it compares with on-prem security. Megatrends like economies of scale and competition between cloud providers benefit cloud users by allowing better security for less money. Cloud environments tend to be simpler and therefore easier to manage, and with scaling and geographic location options, cloud projects allow more flexibility to reach security and sustainability goals. Phil talks about the iteration process of advances in security based on customer requirements and how this builds client trust. The Shared Responsibility Model, where the cloud provider runs a secure infrastructure and the customer configures their project securely in the cloud, is a great start, Phil tells us. But with Shared Fate, he sees the provider crossing the responsibility barrier to work together with the client towards a secure project through actions like analyzation of security defaults. Customer feedback helps Google Cloud make a better product, which in turn helps customers, creating an environment of reliability and shared trust. We talk about how the Shared Fate model and shared incentives work together to create a closer partnership between cloud providers and customers, and Phil elaborates on the idea of project security as an immune system. We tackle the idea of security diversity and whether it benefits clients to expand their security outside of cloud provider offerings. Phil helps security novices understand valuable feature-add security services and what to look for in the future. Phil Venables Phil leads the risk, security, compliance, and privacy teams for Google Cloud. Prior to joining Google Cloud, Phil was a Partner at Goldman Sachs where he held multiple roles over a long career, initially as their first Chief Information Security Officer, a role he held for 17 years. Before Goldman Sachs, Phil held multiple CISO roles as well as senior engineering roles across a range of finance, energy and technology companies. Cool things of the week 2022 Resolution: Learn Google Cloud, free of charge blog How to build a virtual employment center on Google Cloud & Workspace video Interview Cloud Security Podcast podcast IT Leaders: Pay Attention To These 8 Security Megatrends In 2022 article GCP Podcast Episode 218: Chronicle Security with Dr. Anton Chuvakin and Ansh Patniak podcast What's something cool you're working on? Mark and Carter are working on some cool new changes to the podcast. Hosts Carter Morgan, Mark Mirchandani, Anton Chuvakin and Timothy Peacock

Microsoft makes a play for the metaverse. Goldman Sachs boosts employee pay. And Treasury yields are on the rise. Host: Jacob Passy. Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 352:  Goldman Sachs stock price took a big dive today, as did the entire stock market.  But GS, like other high quality companies are extremely profitable with very reasonable valuations.  In my opinion the current volatility in the stock market is not a time to panic but a time to buy quality stocks. ------------------------------------------------------

With its biggest acquisition ever, Microsoft buys Activision Blizzard for $68.7 billion. Jason Moser analyzes why the move signals a direct shot at Meta Platforms and why Microsoft shareholders should be optimistic about the company's gaming aspirations. He also examines shares of Goldman Sachs and The Gap, both falling similar amounts, and why one of them represents a potential buying opportunity. Plus, Alison Southwick and Robert Brokamp discuss actionable ways to stay on track with your financial goals for 2022, including a rare triple-tax advantage to help prepare for future healthcare costs. Stocks: MSFT, ATVI, META, NVDA, GPS, GS Host: Chris Hill Guests: Jason Moser, Alison Southwick, Robert Brokamp Producer: Ricky Mulvey Engineers: Dan Boyd, Rick Engdahl

With Frank on a boots-on-the-ground research trip, I (Daniel) am behind the mic to cover today's top headlines. Earnings season is officially underway. I share my thoughts on the latest results from JP Morgan, Goldman Sachs, and Delta Airlines… and what they tell us about the macro environment. [2:12] Focusing on Delta, I explain why CEO Ed Bastian's recent comments are positive for the economy. [4:33] BlackRock CEO Larry Fink talked to CNBC about inflation, earnings season, and why he expects market gains to be muted going forward. I highlight why it's important for investors to manage expectations accordingly. [10:07] Hedge fund titan Bill Ackman took to Twitter to express his views on how the Fed should approach inflation. I break down why the Fed is in a tough position as it tries to balance economic needs with market concerns. [14:48] Enjoyed this episode? Get Wall Street Unplugged delivered FREE to your inbox every Wednesday: https://www.curzioresearch.com/wall-street-unplugged/   Wall Street Unplugged podcast is available at: --: https://itunes.apple.com/us/podcast/wall-street-unplugged-frank/ -- : https://www.stitcher.com/podcast/curzio-research/wall-street-unplugged-2 -- : https://www.curzioresearch.com/category/podcast/wall-street-unplugged/   : https://twitter.com/frankcurzio :. https://www.facebook.com/CurzioResearch/ : https://www.linkedin.com/in/frank-curzio-690561a7/ : https://www.curzioresearch.com  

Acquisition of videogame heavyweight is Microsoft's biggest deal by far. Goldman Sachs profit slips 13% as trading revenue falls. U.S. stocks begin shortened trading week lower. J.R. Whalen reports. Learn more about your ad choices. Visit megaphone.fm/adchoices

Carl Quintanilla, Jim Cramer and David Faber led off the show with news of a mega-deal: Microsoft agreeing to acquire "Call of Duty" videogame publisher Activision Blizzard for $95 per share or $68.7 billion in cash. Becky Quick, Jim and David interviewed Microsoft Gaming CEO Phil Spencer and Activision Blizzard CEO Bobby Kotick in a CNBC Exclusive. There was more for the anchors to discuss on a busy Tuesday: Markets in sell-off mode as yields rise and Goldman Sachs posts a fourth-quarter earnings miss, BlackRock CEO Larry Fink out with his annual letter in which he says stakeholder capitalism is not "woke," Exxon Mobil aims for net zero greenhouse gas emissions by 2050, the tech sector extends its 2022 slump and GlaxoSmithKline rejects Unilever's $68.4 billion offer to acquire GSK's consumer health business.

The deal, valued at almost $69 billion, is the largest in the video game industry; Exxon Mobil pledges net-zero emissions by 2050; Goldman Sachs shells out cash for employees, profits fall; FAA says 45% of airplanes cleared to fly around 5G signals

In the latest episode of Exchanges at Goldman Sachs, Goldman Sachs Chairman and CEO David Solomon shares his thoughts on the year ahead and what he expects for the global economy, markets and corporate activity.

Nadia Busseuil and Nicole Carter, the Wealth Twins, share valuable money and investing lessons for achieving financial independence. Guest Biography Nadia and Nicole are the financially independent cofounders of Wealth Twins. Wealth twins teaches hardworking people how to invest and manage their money so that they can live the life they want without having to work forever. They both hold a BA from Columbia University and Nicole holds an MBA from NYU. Both worked in management consulting and on Wall Street for Goldman Sachs. In this episode, you'll learn: Great financial advice for achieving financial independence Investing in dividends stocks and real estate Listen to the end to hear Nicole's evolving thinking about college Show notes: http://www.inspiredmoney.fm/223 Find more from our guest: www.wealthtwins.com YouTube Twitter Instagram Facebook Thanks for Listening and Watching! To share your thoughts: Leave a note in the comment section below. Share this show on Twitter or Facebook. Join us at the Inspired Money Makers groups at facebook and LinkedIn To help out the show: Leave an honest review on Apple Podcasts, Podchaser.com, or wherever you listen. Your ratings and reviews really help, and I read each one. Subscribe on Apple Podcasts and YouTube.

Die Märkte im asiatisch-pazifischen Raum verloren am Dienstagnachmittag an Schwung, da die wichtigsten Indizes in der gesamten Region frühere Gewinne wieder aufgaben, während die Ölpreise tendenziell stiegen.Weil in den USA die Börsen wegen eines Feiertags geschlossen waren, fehlten zum Wochenauftakt die Impulse von dort.Für den deutschen Leitindex stand ein Plus von 0,3 Prozent auf 15 934 Punkte zu Buche. Der MDax der mittelgroßen Börsenwerte rückte zum Wochenbeginn um 0,2 Prozent auf 34 587 Punkte vor. Der Dax wird heute im minus bei 15 872 Punkten erwartet.Heute veröffentlicht das Mannheimer Zentrum für Europäische Wirtschaftsforschung (ZEW) seine aktuellen Konjunkturerwartungen. Erwartet wird ein Anstieg von 29,9 auf 32,7 Punkte.In den USA werden der New York Empire State Produktionsindex und der NAHB Immobilienindex bekannt gegeben.Geschäftszahlen kommen von Bank of America, Charles Schwab, Goldman Sachs und J.B. Hunt.Support the show (https://www.patreon.com/kommponisten)

Welcome to the Retail Rundown, your go-to weekly podcast where RETHINK Retail teams up with industry experts to discuss the news, trends, and big ideas that are redefining commerce. In this episode, guest Simeon Siegel and host Julia Raymond Hare weigh in on the DTC vs. wholesale debate. Simeon Siegel is the managing director and a senior retail and e-commerce analyst at BMO Capital Markets. Simeon began his career at Goldman Sachs and has since been named a Rising Star of Wall Street by Institutional Investor, a Rising Star of Equity Research by Business Insider, and has been named one of the Wall Street Journal's top analysts. If you enjoyed this episode, please let us know by subscribing to our channel and giving us a 5 star rating us on Apple Podcasts. - - - - - - Hosted by Julia Raymond Hare Written and produced by Gabriella Bock Edited by Trenton Waller

In 2011, a new brand launched that would soon rewrite the minimalist's playbook: Cuyana. Co-Founders Karla Gallardo and Shilpa Shah built a brand centered on intentional design and buying, establishing Cuyana's ethos as “fewer, better.” Today, Cuyana has grown to eight stores nationwide and is known for timeless collections of premium leather accessories and luxe wardrobe essentials, from alpaca and cashmere. Yet before Gallardo and Shah began setting a new standard in the industry, their early career lives were shockingly different. Gallardo worked at Goldman Sachs as an investment banking analyst, and Shah began her career in interaction design, where she gained over 15 years of experience designing web and mobile interfaces for companies such as Disney, AT&T, and Sun Microsystems. On this episode of Second Life, find out how Gallardo and Shah came together to create a dynamic, strategic brand without losing sight of their mission. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

We kick off 2022 with the Chair of the Board. David Solomon shares how Hamilton made an impact on him, why he remains engaged with the school, and the different types of leadership lessons he learned in school.Check out Dave Bolger's appearance on Life on the HillAll music by Doctuh Michael Woods

Our weekend preview of upcoming IPOs, earnings reports, conference presentations, investor days, IPO lockup expirations, FDA decisions, Barron's mentions, our single stock focus - Micron Technology - and other key events that could impact stocks. Learn more about your ad choices. Visit megaphone.fm/adchoices

For the opening episode of our new series, legendary podcast host Grant Williams welcomes back Jeff Currie, Global Head of Commodities Research at Goldman Sachs, to examine the question “What are Smarter Markets?” What are SmarterMarkets? SmarterMarkets is our vision for using technology to redesign and improve markets to meet society's biggest challenges, including climate change and the energy transition. SmarterMarkets is also our weekly podcast, bringing you the entrepreneurs, icons and executives of commodities, capital markets and technology to rant on the inadequacies of our systems and riff on ideas for how to improve them. Our three-part series “What are SmarterMarkets?” will include Jeff Currie, Head of Commodities Research at Goldman Sachs, Josh Crumb, CEO and Founder of Abaxx Technologies, and Erik Townsend, host of MACROVoices.

On episode 353 of The Nurse Keith Show nursing and healthcare career podcast, Keith interviews Chaitenya "Chat" Razdan, Founder and CEO of Care+Wear, a healthwear company changing the way the world looks at and feels about healthcare. Chat left his career as an investment banker at Goldman Sachs to launch Care+Wear, creating products that bridge fashion and function. Care+Wear is focused on helping those inside and outside of the hospital feel more like people. Nurse Keith is a holistic career coach for nurses, professional podcaster, published author, award-winning blogger, inspiring keynote speaker, and successful nurse entrepreneur.  The Nurse Keith Show is a proud member of The Health Podcast Network, one of the largest and fastest-growing collections of authoritative, high-quality podcasts taking on the tough topics in health and care with empathy, expertise, and a commitment to excellence. Show notes NurseKeith.com Facebook.com/NurseKeithCoaching Twitter.com/nursekeith Instagram LinkedIn

In this HCI Podcast episode, Dr. Jonathan H. Westover (https://www.linkedin.com/in/jonathanhwestover/) talks with Erin Diehl about how improv can transform your business and company morale. See the video here: https://youtu.be/bzEdHsb1Wug. Erin Diehl (linkedin.com/in/erindiehl) is a Business Improv Edutainer , Failfluencer , and Professional Zoombie. Through a series of unrelated dares, Erin created improve it!, a unique professional development company that pushes others to laugh, learn, play, and grow. Among her many accolades, Erin is most proud of successfully coercing over 26,000 professionals to chicken dance. Erin Diehl is a graduate f rom Clemson University, and a former experiential marketing and recruiting professional as well as a veteran improviser f rom the top improvisational t raining programs in Chicago, including The Second City, i.O. Theater and The Annoyance Theatre. Erin has spoken on stages nationwide for all types of events and associations including Disrupt HR, SHRM, HRMAC, and ATD. She is a member of The Chicago Innovation Awards Women's Cohort and graduate of the Goldman Sachs 10,000 Small Business Program. Please leave a review wherever you listen to your podcasts! Check out the LinkedIn Alchemizing Human Capital Newsletter: https://www.linkedin.com/newsletters/alchemizing-human-capital-6884351526333227008/. Check out Dr. Westover's book, 'Bluer than Indigo' Leadership, here: https://www.innovativehumancapital.com/bluerthanindigo. Check out Dr. Westover's book, The Alchemy of Truly Remarkable Leadership, here: https://www.innovativehumancapital.com/leadershipalchemy. Check out the latest issue of the Human Capital Leadership magazine, here: https://www.innovativehumancapital.com/hci-magazine. Ranked #6 Performance Management Podcast: https://blog.feedspot.com/performance_management_podcasts/  Ranked #6 Workplace Podcast: https://blog.feedspot.com/workplace_podcasts/  Ranked #7 HR Podcast: https://blog.feedspot.com/hr_podcasts/  Ranked #12 Talent Management Podcast: https://blog.feedspot.com/talent_management_podcasts/  Ranked in the Top 20 Personal Development and Self-Improvement Podcasts: https://blog.feedspot.com/personal_development_podcasts/  Ranked in the Top 30 Leadership Podcasts: https://blog.feedspot.com/leadership_podcasts/ --- Support this podcast: https://anchor.fm/hcipodcast/support

Altruist is on a mission to make independent financial advice better, more affordable, and accessible. The company has built an all-in-one platform that reduces barriers for financial advisors to deliver great advice. As a result, advisors using Altruist can work more efficiently and substantially lower operating costs, enabling them to grow on their terms and help more people. Adam Grealish offers an overview of the state of the financial advising industry and why there's a time and place for Robo advisors. But there's a growing need for human financial advice too. About Adam Adam Grealish's career is rooted in financial innovation. Through his work (formerly at Betterment and Goldman Sachs, and now at Altruist as Head of Investments), Adam has a unique pulse on the trends and issues shaping the wealth management and financial planning technology spaces. Further, because Adam has assisted financial advisors for years in various roles, he has keen insight into how the industry has evolved and where it needs to go. Before serving as Betterment's investing lead, Adam was Vice President in the Fixed Income, Currencies, and Commodities division at Goldman Sachs. Adam was responsible for structured corporate credit and macro credit trading. In addition, Adam was part of the quantitative equity portfolio management team at New York Life Investments earlier in his career.

What a great and busy start to the year… I just returned from the 2022 Consumer Electronics Show (CES 2022)... and today, I'll highlight the best and worst companies that showcased at the event. [0:30]  But first, Goldman Sachs just increased its prediction for the number of interest rate hikes we'll see this year as the Federal Reserve attempts to control inflation… I pound the table on why inflation is the biggest risk to the markets today… the single, painful solution I see for the Fed… and how to start protecting your portfolio NOW. [1:30]  Cryptos are also seeing a lot of volatility, with Bitcoin dropping from $60,000 to around $40,000 over the past month or so. I explain why the pullback is creating a great buying opportunity. [7:50] Turning to CES, while Omicron had an obvious impact on the number of attendees (several companies ended up canceling last-minute)... there were still plenty of amazing products being showcased—like BMW's new electric vehicle (EV), which I got to test-drive. [9:20]  One of the biggest themes of the event was the “metaverse.” While the whole concept is still somewhat ambiguous… the biggest companies—including Apple, Google, Facebook, and Microsoft—are already making big moves into the trend. [20:00]  But two companies really stole the show… and I believe one device in particular will become my personal favorite product of the year. [25:50] Finally, a new cross-industry alliance is a huge deal for the smart home trend. [29:20] Check out our , , and the for all of my deep-dive updates from this year's event. Enjoyed this episode? Get Wall Street Unplugged delivered FREE to your inbox every Wednesday: https://www.curzioresearch.com/wall-street-unplugged/   Wall Street Unplugged podcast is available at: --: https://itunes.apple.com/us/podcast/wall-street-unplugged-frank/ -- : https://www.stitcher.com/podcast/curzio-research/wall-street-unplugged-2 -- : https://www.curzioresearch.com/category/podcast/wall-street-unplugged/   : https://twitter.com/frankcurzio :. https://www.facebook.com/CurzioResearch/ : https://www.linkedin.com/in/frank-curzio-690561a7/ : https://www.curzioresearch.com

Take-Two Interactive will acquire Zynga. Goldman Sachs updates their forecast for interest rate increases. And crypto takes a dip. Host: Shaina Mishkin. Learn more about your ad choices. Visit megaphone.fm/adchoices

The “metaverse” has captured the imagination of technology investors, but what is it, and what does it signal for the next era of computing? In the latest episode of Exchanges at Goldman Sachs, Goldman Sachs Research's Eric Sheridan examines how the blending of elements of the physical and digital worlds via virtual reality, augmented reality, gaming and immersive online communities is contributing to the rise of a more decentralized Web 3.0. 

DB-Jan 10,2022: Goldman Sachs expects a more aggressive Fed this year with four interest rate hikes on the horizon in an effort to to tame inflation. The prediction comes as U.S. stocks extend a volatile start to the year and Bitcoin dips below $40,000 for the first time since September. People who invested in BTC in the run up to the launch of the Bitcoin ETF are about to break even. Will the Fed need to rethink its strategy? Meanwhile, Omicron continues to rampage through the world, and one city in China is taking an aggressive approach: Tianjin, near Beijing, is testing all 14 million of its residents after 20 people tested positive for the coronavirus, two of whom had the omicron variant. Alfonso Peccatiello and Weston Nakamura join from the Netherlands and Japan respectively to answer the timely question: How do you navigate this environment with rising interest rates? Interviewed by Maggie Lake. Want to submit questions? Drop them right here on the Exchange: https://rvtv.io/3K9da9p Learn more about your ad choices. Visit megaphone.fm/adchoices

➤ Discussing Tesla's recent decisions ahead of the Q4 earnings report and product roadmap update ➤ Marco economic calendar check ➤ Tesla reportedly discusses aggressive growth plan for Tesla Energy, Megapack updates ➤ Analyst updates from Wedbush, Goldman Sachs, Morgan Stanley, and Global Equities Research ➤ Tesla secures US-based nickel contract ➤ Giga Shanghai output videos ➤ Reports of cold weather issues Twitter: https://www.twitter.com/teslapodcast Patreon: https://www.patreon.com/tesladailypodcast Tesla Referral: https://ts.la/robert47283 Plaid producer Who Why Executive producer Jeremy Cooke Executive producer Troy Cherasaro Executive producer Andre/Maria Kent Executive producer Jessie Chimni Executive producer Michael Pastrone Executive producer Richard Del Maestro Executive producer John Beans Music by Evan Schaeffer Disclosure: Rob Maurer is long TSLA stock & derivatives

Another tough day for Tech, as the Nasdaq sinks below a key technical level, down 10% from recent highs. Is it Goldman Sachs' fault? The bank is now forecasting 4 rates hikes this year. We'll get latest on the Fed & the fallout. Plus, it's been one year since ‘Meme Mania' consumed markets. We'll look at the biggest winner & losers since then. And, J.P. Morgan Chase Chairman & CEO Jamie Dimon joins CNBC to discuss his 2022 outlook for markets, rates, Covid & more.

Our top stories include: Goldman Sachs Sees Four Rate Increases This Year, U.S. Gas Exports Surge and Getting Paid to Quit Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Founder of the Rizing Tide Foundation, Heidi Jannenga, returns to the podcast to talk about fostering diversity in the physical therapy industry. Today, Heidi talks about the incredible work being done by the Rizing Tide Foundation, the process of awarding scholarships, and future Rizing Tide developments. Which changes still need to be made in the industry? Hear about the growing student debt problem, how you can get involved with Rizing Tide, and get Heidi's advice to her younger self, all on today's episode of The Healthy, Wealthy & Smart Podcast.   Key Takeaways “Almost every single one of them [students] were working full-time jobs at the same time as going to PT school. Some of them, more than one job.” “There's a huge segment of the folks that answered that survey that have more than $150,000 of debt post-graduation.” “It takes a lot to try to balance the price of education to what we actually are getting paid as clinicians.” “A rising tide raises all boats.” “Be open-minded to a path that you may not have thought that you might go down.” “If something aligns with your vision and values, then go for it.”   More about Heidi Jannenga Dr. Heidi Jannenga, PT, DPT, ATC, is the founder of the Rizing Tide Foundation, which seeks to inspire more diversity and inclusiveness in the physical therapy industry. Each year, Rizing Tide presents scholarships to five promising BIPOC (Black, Indigenous, and people of color) students who are on the path to earning their Doctorate of Physical Therapy (DPT) or furthering their PT education by pursuing a residency program. In addition, Heidi is a physical therapist and the co-founder and Chief Clinical Officer of WebPT, a nine-time Inc. 5000 honoree and the leading software solution for physical, occupational, and speech therapists.  As a member of the board and senior management team, Heidi advises on WebPT's product vision, company culture, branding efforts and internal operations, while advocating for rehab therapists, women leaders, and entrepreneurs on a national and international scale. Since the company launched in 2008, Heidi has guided WebPT through exponential growth. Today, it's the fastest-growing physical therapy software in the country, employing over 600 people and serving more than 90,000 therapy professionals - equating to an industry-leading 40% market-share. In 2017, Heidi was honored by Health Data Management as one of the most powerful women in IT, and she was a finalist for EY's Entrepreneur of the Year. In 2018, she was named the Ed Denison Business Leader of the Year at the Arizona Technology Council's Governor's Celebration of Innovation. In addition to serving on numerous non-profit leadership boards, Heidi is a proud member of the YPO Scottsdale Chapter and Charter 100 as well as an investor with Golden Seeds, which focuses on women-founded or led organizations. Heidi is a mother to her 10-year-old daughter Ava and enjoys traveling, hiking, mountain biking and practicing yoga in her spare time.   Suggested Keywords Healthy, Wealthy, Smart, Physiotherapy, Representation, Scholarships, Diversity, Inclusivity, BIPOC, Student Debt, Education, Opportunity,   Resources Higher Education? By Andrew Hacker and Claudia Dreifus. Apply for a Rizing Tide Scholarship.   To learn more, follow Heidi at: Website:          https://rizing-tide.com Twitter:            @HeidiJannenga LinkedIn:         Heidi Jannenga   Subscribe to Healthy, Wealthy & Smart: Website:                      https://podcast.healthywealthysmart.com Apple Podcasts:          https://podcasts.apple.com/us/podcast/healthy-wealthy-smart/id532717264 Spotify:                        https://open.spotify.com/show/6ELmKwE4mSZXBB8TiQvp73 SoundCloud:               https://soundcloud.com/healthywealthysmart Stitcher:                       https://www.stitcher.com/show/healthy-wealthy-smart iHeart Radio:               https://www.iheart.com/podcast/263-healthy-wealthy-smart-27628927   Read the full Transcript Here:  SUMMARY KEYWORDS rising tide, scholarship, pt, students, people, heidi, industry, physical therapist, foundation, profession, podcast, scholarship program, year, works, residency programs, physical therapy, pts, residency, crest, education   00:07 Welcome to the healthy, wealthy and smart podcast. Each week we interview the best and brightest in physical therapy, wellness and entrepreneurship. We give you cutting edge information you need to live your best life healthy, wealthy and smart. The information in this podcast is for entertainment purposes only and should not be used as personalized medical advice. And now, here's your host, Dr. Karen Litzy.   00:35 Hey everybody, welcome back to the podcast. I'm wishing you all a very happy New Year and welcome to the first episode of 2022. We've got a great one in store. But first, a big thank you to Net Health for sponsoring today's podcast episode. So when it comes to boosting your clinics, online visibility, reputation and referrals, Net Health Digital Marketing Solutions has the tools you need to beat the competition. They know you want your clinic to get found get chosen and get five star reviews. So they have a new offer. If you sign up and complete a marketing audit to learn how digital marketing solutions can help your clinic win. They will buy lunch for your office. If you're already using NET Health's private practice EMR, be sure to ask about his new integration, head over to net help.com forward slash li T zy to sign up for your complimentary marketing audit. Okay, on today's episode I'm really excited to have back on the podcast Dr. Heidi J. Nanga. She is the founder of the rising tide Foundation which seeks to inspire more diversity and inclusiveness in the physical therapy industry. Each year rising tide presents scholarships to five promising bipoc students who are on the path to earning their doctorate of physical therapy, or furthering their PT education by pursuing a residency program. In addition, Heidi is a physical therapist and the Co Founder and Chief Clinical Officer of web PT, a nine Time Inc 5000 honoree and the leading software solution for physical occupational speech therapist. As a member of the board and senior management team Heidi advises on web PTS, product vision company culture branding, efforts, and internal operations while advocating for rehab therapist women leaders and entrepreneurs on a national international scale. Since the company launched in 2008, Heidi has guided web PT through exponential growth. Today, it's the fastest growing physical therapy software in the country employing over 700 people serving more than 90,000 therapy professionals, equating to an industry leading 40% market share. In 2017, Heidi was honored by health data management as one of the most powerful women in it. She was a finalist for he wise Entrepreneur of the Year in 2018. She was named Ed Dennison, Business Leader of the Year at the Arizona Technology Council's governor's celebration of innovation. In addition to serving on numerous nonprofit leadership boards, Heidi's a proud member of the YPO Scottsdale chapter and charter 100 as well as an investor with golden seats which focuses on women founded or led organizations. She is also the mother's 10 year old daughter Ava enjoys traveling hiking, mountain biking and practicing yoga in her spare time when that spare time is I don't know. So today we are talking about the rising tide Foundation. And if you are a physical therapist and you are hoping to go into residency or you're in your residency, you must listen to this episode because you can win a scholarship from the rising tide foundation. If you're listening to this today, Monday, you have until Friday in order to to submit an application to the rising tide foundation to get a scholarship for your residency. So get on it people a big thank you to Heidi and everyone enjoyed today's episode. Hey, Heidi, welcome back to the podcast. Happy to have you back on.   04:02 Hey, Karen, so great to be here. Thanks so much for having me.   04:05 And so today we're going to be talking about a foundation called the rising tide foundation. So what is it and why did you decide to start this foundation?   04:19 Well, thanks so much for having me on. And to be able to talk about this because it really is a has been a labor of love. And a true way for me to give back to a profession that has given so much to me. The Rising Tide foundation really started after a few years of us doing the real estate of rehab therapy industry report which you and I have talked about on this podcast, and every year. There doesn't seem to be a change into two major things that we ask the serve the people that we survey, one was what you mentioned student debt, and actually, not that it hasn't changed, it's actually increasing. And that's a big burden, as you can imagine, to an industry. And then second was actually the biggest emphasis, which is the the, the lack of diversity within our profession. And being a person who identifies as a person of color. The fact that we have this lack of diversity has been a real, real issue, that hasn't made much change, despite, you know, the APTA and others sort of bringing attention to the issue. But the percentages as far as what the makeup of our profession looks like, has not changed has not really changed at all, in the last five years that we've been doing that survey. And so that was really the two major impetus behind me starting this foundation, I've been lucky enough to have financial success with web pt. And so had started the rising tide Foundation, not knowing what I wanted to do with the foundation back at the end of 2019. And then with everything that happened through 2020, it just sort of hit me over the head that this is something that I can personally make a difference in, within our profession. And   06:39 what exactly does the rising tide foundation do?   06:45 It is a scholarship program. So we have two tracks of scholars. We have the crest Scholarship, which is actually geared towards new and new students coming into the profession. And so we provide $14,000 scholarships to three participants, or three scholars, three scholarship winners, that is renewable for the three years PT school, and then we have to serve scholarships, which actually is for physical therapists who are going on to residency programs. And those are $10,000 each, for the one your usual one year program of residency. How, how   07:41 are these winners chosen? What give us a peek sort of behind the curtains, if you will, as to how the process works, so that if people listening to this, whether you are a physical therapy student, or you are one of those people like Gosh, I really want to do a residency, but I don't know how I can make it work financially. So how can these folks apply to the program and and like I said, gives a little peek behind the curtain on how it all works?   08:12 Sure, well, first and foremost, you have to qualify and so if you go to rising dash tide.com, you will find all of the specific sort of qualifications that are required. So for example, for the crest scholarship, you are either an undergraduate who is applying or an undergraduate who is applying to PT school. So you have will have graduated from an undergraduate with an undergraduate degree going on to DPT program, or you're a PTA that's entering into a PTA Bridge Program, which is there's only a couple of schools that do that. But we are also providing scholarships for any PTA who they want to go on to get their DPT so there is a actual physical, like documentation style application, which you have to fill out as well as writing three short essay that include questions like What inspired you to become a physical therapist? And, you know, what does it mean to be a community member? And then also, you know, we really wanted to dive into the essence of who the scholars are. Because we feel like we want to invest in professionals who who are really going to want to make a difference in the profession. So the last question is talking about sort of a failure that you've experienced in your life and what you've really learned from that training. Did you know dive into a little vulnerability and understanding of who they are at the core of the person. And so you also need some letters of recommendation, and transcripts in the normal sort of thing that you might think about in going through a scholarship. So once you you send all of that information. We have a selection committee, which I'm really, really proud of. I was honored to gather quite a few thought leaders from the industry including a fossa, Joe Badea, Maria Gonzalez seen Sharon Wang is actually not from the industry. We wanted to bring together our selection committee, which I call our Beachcombers, hopefully see that sort of nautical theme here. Wendy HARO, who is a software engineer actually works with me with PT, Moyer Tillery, who is also a PT, and then Jean shamrock rod. And those folks make up our our base comers who were to which our selection committee, so we scour all of the applications that come in for each one of the scholarship programs. And we narrow it down to around 10 finalists, and each of the finalists and have to go through an actual live video interview with the selection committee. And from there, we then get the really tedious and hard, difficult decision to narrow it down to the three winners. We just went through the crash scholarship selection process, and it was absolutely amazing. And, and we we were able to narrow it down. But having been our first process, it was just an incredible experience. And we had so many great applicants that we actually ended up awarding five scholarship winners, three of the full scholar, scholarship cross winners, and then we actually started two new sub winners, which are the what we're calling our rising stars, which actually got $5,000 scholarship towards their tuition and, and fees, they might be paying towards PT school.   12:35 That's amazing. And how many people applied for the crest scholarship?   12:44 Yeah, you know, Karen, you know, all about startups right in that first, first year, you kind of are working out the kinks, you're trying to figure out the right processes to have in place. And we had a fairly short window of about 60 days, 45 to 60 days that we opened up the application process this year, for our first cohort of crest winners. And our goal was to get 20 applicants. And after a social media polish and the PR, including, you know, me talking on a few podcast, we actually got 40 applicants which I was so so thrilled about. So we doubled the number that we wanted, then, obviously through that process, it's was so great that we couldn't actually just narrow down to three. So we actually awarded five scholarships and I I just wanted to give a shout out to the amazing scholars that did winner that are part of this first first cohort we had three winners from Northwestern University, Ruth Morales Flores is actually a second year students. Ricky Loki, who is a first year in Jackie Hua, who was a first year as well, just phenomenal, phenomenal students. And Alicia lead from Washington, St. Louis University and Tyrrel McGee, from Regis University. So a really broad spectrum of really interesting and thoughtful students who I know are going to make huge impact on the industry moving forward.   14:29 And you know, you had mentioned that part of the application process was interviews. So a lot you had the members of the committee interviewing 10 Different students and you're reading through 40 different essays. So what did you learn about the PT education system through hearing from all of these applicants and the eventual winners of the scholarship program?   14:59 Well, for First and foremost, as I mentioned, one of the goals and the mission of rising tide is all about improving the diversity of the workforce within our industry. And so, obviously, you know, the number of students that have been accepted to PT school in order to really receive this scholarship and qualify for the scholarship has to be people of color. And so the fact that we were able to get the number of scholarships applications that we did, in such a short period of time, was amazing to me. And, and I attribute a lot of that to the physical therapy, schools really putting diversity as a high priority in terms of their recruiting process of really also trying to change the face of who we are, and to become less homogenous, and more reflective of the society in which we live in. And so that was a real, I want to say, eye opener, but but pleasant surprise, that, you know, despite the fact that we haven't seen the numbers change, that it is something that is a huge priority, and is now after a few years of changing processes, and changing how the recruiting, where they're recruiting from and how they're actually going through the actual student selection process. For example, there are many schools now that are either eliminating, or D prioritizing SAP scores as an entry component, or GRE scores as it goes into graduate school, as a as a component of the process, and putting a higher priority on interview and essays and other things and more more, I guess, tangible areas of interest as they go through the, the selection process for their incoming classes. And so that was a that was really positive for me to really hear that. But it more than that, it was the passion that the students had for the industry. You know, I don't think much has changed in terms of why people get interested in the PT field, most of them had had experiences, whether it was personal or with family members, that really sparked that inspiration to to go into the PT field. Some of the other things that were just amazing about these students is almost every single one of them were working full time jobs, at the same time as going through PT school, some of them more than one job. We heard stories of, you know, students who basically had to decide whether they were going to pay for food, or pay for a book. And so the determination and just the sheer passion around why the and what they're able to do in order to accomplish their goals, was just astounding. And I don't know that, you know, most people understand the sort of path that, you know, underserved populations sometimes have to take in order to accomplish those goals.   18:54 Yeah, that's amazing. What a great group that you you got to meet. Now, after talking with these students, aside from the fact that hey, schools are kind of changing the weight of inclusion criteria, what further changes do you think need to be made within the industry? And on that, we'll take a quick break to hear from our sponsor, and be right back with Heidi's answer. When it comes to boosting your clinics, online visibility, reputation and increasing referrals, net Health's Digital Marketing Solutions has the tools you need to beat the competition. They know you want your clinic to get found, get chosen and definitely get those five star reviews on Google. Net Health is a fun new offer. If you sign up and complete a marketing audit to learn how digital marketing solutions can help your clinic win. They will buy lunch for your office. If you're already using Net Health private practice EMR, be sure to ask about its new integration. Head over to net health.com forward slash li tz y to sign up for your complimentary marketing Audit?   20:01 Well, we know as, as we you, you started talking about in the beginning of the show is the student debt ratio that pte students are coming out with post graduation. We've seen that time and time again, in our state of rehab therapy industry report, as we surveyed, you know, 1000s, of therapist to understand their biggest woes, as they are navigating through this profession. And, you know, I, there's a huge segment of of the folks that answered that survey that have more than $150,000 of debt post graduation. And that was a 5% increase over what we found those numbers to be in 2018. So just in a few years, that number has grown significantly. And so that's to me, it's just not sustainable. When you compare what the compensation is, for an average, you know, new grad, being somewhere between depending on the type of PT services that you're delivering anywhere from 60 to 90 grand. That's just not commensurate to be able to be able to live and then pay off that debt, which you know, $150,000 in PT school usually means on top of another 100 grand at minimum that you you've accumulated through undergrad. So we're talking a huge, tremendous amount of debt. And so what I know is also happening is looking at shortening the timeframe in which it takes to get a doctorate degree, there are universities and colleges like South College, that are changing the way we think they're trying to change the way we think about PT school, where it doesn't have to be 100% in person that, you know, a large portion of the time spent can be done online. So that cuts down significant amount of debt in terms of having to pay for housing and other things. And it just becomes more accessible to more people, and decreases the cost of the overall educational process. So I really think that the cost of education, rethinking how we do the curriculum, of what truly is necessary to be in person are things that that really need to be looked   22:40 Yeah, and when we talk about that sheer amount of, of debt, when I speak about that to other people, I always preface like, you know, like you said, Pts are coming out of school 50 to $90,000. It's not like we work at Goldman Sachs, where in two years you get like $500,000 Bonus, do you know what I mean? And and why law paid off? Right? So it's a little bit different PTS are not usually getting a $500,000 bonus. May I don't want to, I don't want to get yelled at by people on the internet. But I'm pretty sure that doesn't happen often.   23:21 No, I don't think that happens very often. As a matter of fact, I think, you know, especially in the times that we're in right now, you know, the the 5%. Five to maybe 10% increase year over year is probably what's on average. So, you know, it's gonna take you a while, especially if you're you're starting out as a new grad in that maybe 60 to 70 range to even get to the, you know, the six digit. Right. And so, yeah, it takes a lot to try to balance the price of education to what we actually are getting paid as, as clinicians.   24:05 Yeah. And and if there's a really great book, Heidi, I don't know if you've ever heard of heard of this book, but it's called Higher Education question mark. And it's by Andrew hacker and Claudia Dreyfus. And they talk about the cost of higher education. And what are some of the extraneous things happening on college campuses that aren't going directly to the education of the students, but yet is being reflected in the price of admission. So if people want to learn more about that, I would highly suggest reading that book.   24:40 Yeah, absolutely. There's a lot of debate happening right now around higher education and the need for it. You know, I know even within our own profession, there's a lot of question marks around the DPT on whether it was worth it or not. But at the end of the day, we are here we are At level professionals, but we do need to figure out if we are going to continue to grow and have an attract the top talent that we want to continue to have our profession, you know, be recognized as adding, you know, tremendous value to the overall healthcare system. We definitely want to, you know, remain viable and relook and relook at how perhaps we're doing some of the things because I just don't think that the way the path that we're on today is truly sustainable.   25:38 Yeah, I agree with that. And now, let's say you're a student out there, or you're going into residency, how can they get more information to apply for upcoming scholarships? And is there are there any scholarship applications that are due soon?   25:55 Yes, I mentioned we have the crest scholars, but we also have the search Scholarship Program, which is for residency programs. And that current application process is open right now. And so it will be closing on January 14. So if you are a current resident residency program participant, and would like to apply for the surge scholarship, and you are a person of color, you can apply at res rising dash tie.com. If you go to search scholarship on there and just hit the Apply button, it will take you right to the page in which you can fill out all of the information, upload any documentation that we're requiring. And then we will definitely take a look at the application and put you into the process.   26:55 Yeah, so that means if you're listening to that, listening to this podcast today, on the 10th, you have until the end of this week, so get on it if you want money to help you get through your residency, so you've got like you've got five days, so get on it.   27:14 And this is an annual annual renewal process. So we will launch a new cohort every year. So if you miss out this year, but you're going through your residency programs, this year, you will get another chance at the end of this year to apply for the scholarship. And definitely any students out there who might be listening or interested in the field of PT, and you are going to be a new grad in this upcoming year of 2022. Or I'm sorry, a new student to PT school this year. And please, please, please think about offsetting some of that student debt through a scholarship program like rising tide.   27:55 Excellent. And now what's new with the foundation? What do you have coming up aside from these amazing scholarship opportunities,   28:03 while being part of rising tide means you're part of our community. And so one of the really awesome things that we are going to we are doing with our cohort is getting them together annually for sort of rising tide retreat in which we're going to have thought leaders from the industry come together to help be mentors to these students. Each cohort will be building on itself. So as we have this first group of 2021 Slash 2022 go through this year, they will then come back and be be mentors to our next cohort of students that will be coming through so part of the sort of surge and crafts together where you've got, you know, physical therapists going through residency programs will help to be mentors to these up and coming students. And so creating this community of connection, and education is really what we're planning through 2022.   29:15 I see what you did there. I like it, I like it. And now let's say you're a physical therapist like me, and you're like, wow, I am loving this rising tide. How can I can I donate to this? Can I be a part of this? What can I do?   29:32 Yeah, that's a great question. Karen and I, since launching this this past year in 2021, I just been so honored by the amount of outpouring of support that people have wanted to give to this program, including financial. I mentioned that it was self funded. And you know, We've had many, many years of scholarships that are going to be awarded. But with this outpouring of support of people who wanted to donate financially, I, I went ahead and change the 501 C three status to allow me to have donations. And so in March of 2022, we will be opening up the rising tide foundation to people who want to donate. And my hope is to actually double the number of scholarships that we're going to be able to award in 2022, that we we were able to do in 2021. And so if we can continue to do that every year, so that would mean we would award 10 scholarships in 2022, rather than five for at least the cross scholarship and then four of the search scholars, I think that would be absolutely amazing. And as you can imagine, if we did that year over year, we would be funding almost every PT student in let's say, 20 years.   31:05 Exactly. Hey, that's that big blue sky dream, right? The be hag? Yes, yes, the big big dream. And and, and it's a great dream to help future physical therapists not be saddled with the amount of student debt that a lot of students over the past couple of years have, unfortunately, had to deal with. So I think it's a wonderful foundation. And I applaud you for taking the initiative to putting this out into the world. And again, where can people find Oh, you said it a couple times, and we will have a link to it in the show notes. But where can people find more about the scholarship and about rising tide?   31:49 Yep, it's www dot rising with a Z r i v i n g dash tide.com. And I'm sure many of you have heard the saying rising, a rising tide raises all boats. And that's really where it came from. It's something that has that thing has really meant a lot to me, in how I perform as a leader, and what I sort of prescribed to as sort of my own personal culture of wanting to help people. And so that's where sort of the name sort of stems from. But yeah, go to rising tide.com. And you can learn all about our foundation and scholarship program, you can sign up for our blog subscription, we have a monthly vlogs, coming out about all kinds of things that has to do with how students can improve sort of how they think about becoming a physical therapist, too, just thought provoking ideas as we go about wanting to sort of change the face of the PC profession.   33:05 Perfect. And I'll also add that you're also on Instagram, and on Twitter. So if you go to the website, you can go down to the bottom and click on the little icons, and you can follow rising tide on Instagram and Twitter and LinkedIn as well. That's right. Yeah, perfect. All right. Well, Heidi, as we start to wrap things up, I know, I asked you this before, so you're gonna have to think of something new. What's another piece of advice you would give to your younger self?   33:41 Well, I would just say be open minded to a path that you may not have thought that you might go down, go down. I will just say that, you know, starting a nonprofit, and a scholarship program was really not on on my radar. And as things have unfolded, just like starting in that entrepreneurial mindset, like it works in your professional life, as I'm sorry, it works in your personal life, as well as your professional life in terms of finding problems that need to be solved and figuring out a way to do that. And so stay staying really open minded to things that come your way that may not be necessarily what you think, or had planned to do. To find ways to just try to try new things and be open minded to those options and they can take you down path of trim adding tremendous value and to others but also just in, in in to yourself as well.   34:58 Yeah, excellent advice. keep your mind open. And if something aligns with with your vision and values, then go for it. Great advice. Heidi, thank you so much for coming on to the podcast today talking about rising tide. And again, if you're going to mention this one more time, if you're going into your residency program, check out rising tide, check out the website. We mentioned it several times, also in the show notes at podcast at healthy, wealthy, smart, calm and apply, because you've got a couple of days if you're listening to this on the 10th of January 2022. You've got until the 14th to apply for the surge scholarship. Is that That's right, right.   35:44 That's right. Okay. Well, you got until the 14th until the midnight of the 14th and mentioned that you heard it on rising tide or on the healthy wealthy podcast. And we'll just move you to the top of the stack.   35:56 Yes. So So do it. People get on it be a part of the rising tide. Heidi, thank you so much for coming on.   36:04 Karen, it's always a pleasure. Thank you so much. Yeah,   36:06 of course. And everyone. Thanks so much for listening, have a great couple of days and stay healthy, wealthy and smart. And a big thank you to Dr. Heidi Jenga for coming on the podcast to discuss the rising tide foundation and of course, thank you to Net Health. So again, they have a new offer if you sign up and complete a marketing audit to learn how digital marketing solutions can help your clinic when they will buy lunch for your office. Head over to net health.com forward slash li te zy to sign up for your complimentary marketing audit to get your clinics online visibility, reputation and referrals increasing in 2022   36:45 Thank you for listening and please subscribe to the podcast at podcast dot healthy wealthy smart.com And don't forget to follow us on social media  

Worked at Goldman Sachs's investment banking, equities, and private wealth management divisions. He went on to create Oscar Capital Management which sold in 2001. In 2005, he founded the investment firm SkyBridge Capital. Former White House Director of Communications & founder of the SALT conference. AKA “the mooch”. Confessions of a Market Maker presents Anthony Scaramucci---------------------------------------------------------------------------------------------If you'd like to join JJ, Ray & a supportive community of traders, Join them at microefutures.com

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29 Isaiah 32:18 reads, My people will abide in a peaceful habitation, in secure dwellings, and in quiet resting places.That verse describes what we're all looking for when buying a home. Lately, rising home values have made that difficult. Will that continue in 2022? Today, mortgage expert Dale Vermillion joins Rob West to help answer that question. Dale Vermillion is the author ofNavigating the Mortgage Maze: The Simple Truth about Financing Your Home. Home values have already climbed 22% since the onset of the COVID pandemic. FORECASTS PREDICT CONTINUED RISE IN HOME PRICES Multiple recentforecastspredict that the sharp upward trend in home values will continue in 2022. Zillow projected home values will rise 13.6% over the next 12 months. Meanwhile, Goldman Sachs said U.S. home prices will climb16%by the end of 2022. However, another forecast from CoreLogic, a company that crunches property data, says that home prices will only rise 2.2% over the next year. Why such a big difference in those forecasts? Like other economic models, these forecasts depend on what data you put into them. Mortgage rates are tied to home values, and of course, inflation affects interest rates. With inflation on the rise, the Federal Reserve is more likely to raise interest rates, which would drive up the average 30-year fixed mortgage rate. That would put negative pressure on the housing market. It's likely that the lower CoreLogic projection for home values took more inflation data into consideration. WHAT DOES ALL OF THIS MEAN FOR HOMEBUYERS? Even if the CoreLogic forecast proves accurate, rising mortgage rates could ensure that buying a home is likely to be more, not less, expensive in 2022. But that doesn't mean everyone should rush out and buy a home before prices rise further. Make sure the timing is right for YOU based on your financial situation. Don't be afraid to rent until you are in a solid position to buy a house. Learn more about Dale Vermillion atDaleVermillion.com LISTENER QUESTIONS On today's program, Rob also answers listener questions: ●Would it be best to use the proceeds from a property sale to invest in a new rental property or pay off a mortgage? RESOURCES MENTIONED DURING THIS PROGRAM ●Navigating the Mortgage Maze: The Simple Truth About Financing Your Home Remember, you can call in to ask your questions most days at (800) 525-7000 or email them toQuestions@MoneyWise.org. Also, visit our website atMoneyWise.orgwhere you can connect with a MoneyWise Coach, join the MoneyWise Community, and even download the free MoneyWise app. Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that it's your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking theDonate tab on our websiteor in our app.

#Bitcoin #Ethereum #NFTs On our Thursday Edition, Steve and Chris are discussing everything from the recent Crypto Crash to the truth behind the reported "Fastest Growing Crypto Ecosystems," but be sure to stick around for our insight into what we believe are the best buying opportunities following this market correction. TIMESTAMPS 00:00 Welcome to the Livestream 03:56 Buy, Sell or HODL: Fastest growing Ecosystems in 2022 21:41 Other Top Stories 26:57 The Aftershock: Turmoil in the Market 36:20 BTFD: Smart Contract Platforms 42:34 BTFD: Decentralized Finance 48:00 BTFD: Non Fungible Tokens 53:37 BTFD: Metaverse 58:05 BTFD: Polkadot and Cosmos Interoperability 1:04:25 What to Watch For *Disclaimer. Richard Carthon is the Founder of Crypto Current. All opinions expressed by members of the Crypto Current Team, Richard or his guest on this podcast are solely their opinions and do not reflect the opinions of Crypto Current. You should not treat any opinion expressed by Richard as a specific inducement to make a particular investment or follow a particular strategy but only as an expression of his opinion. This podcast is for informational purposes only. ~ Put your Bitcoin and Ethereum to work. Earn up to 12% interest back withhttps://get.tantralabs.io/earn/?utm_source=cryptocurrent&utm_medium=display&utm_campaign=advertising-display-cryptocurrent&utm_content=lp ( Tantra Labs) ~ New to crypto? Check out ourhttps://bit.ly/394YKFw ( Crypto for Beginners) Step-by-Step Guide to Crypto Investing ~ Follow us on https://bit.ly/3CPwepn (Youtube),http://bit.ly/2TRIArp ( Twitter), http://bit.ly/38yfrqo (Instagram),http://bit.ly/39DhpHi ( Facebook),http://bit.ly/38wsXL5 ( LinkedIn), & https://bit.ly/3yQ30Es (Tik Tok) ~ Want to make ~$25+ a month for FREE? Sign up to get a FREEhttps://www.emrit.io/?referral=cryptocurrent ( emrit.io Coolspot) today!  ~ Want to learn more about cryptocurrency? Check out ourhttps://bit.ly/2CbaYzw ( educational videos) today! ~ https://bit.ly/2TF3Gtb (Swan) is the easiest and most affordable way to accumulate Bitcoin with automatic recurring purchases. Start your plan today and get $10 of free Bitcoin dropped into your account. ~ Want access to cool crypto/blockchain projects that you can use immediately? Check out ourhttps://bit.ly/3eZ8J1E ( partnerships page)!  ~ Looking to attend a cryptocurrency or blockchain event? Check out ourhttps://bit.ly/2ZVCV8f ( events page)! ~ Tune in onhttps://bit.ly/2CN9bl1 ( Crypto Current TV) throughout the week for a 24/7 crypto stream on the latest action on crypto markets, news, and interviews with the industry's top experts! ~ Enjoying our podcast? Please leave us a 5 star reviewhttp://bit.ly/2Is3iJ9 ( here!) ~ Stay up to date with the latest news in cryptocurrency by opting-in to ourhttp://bit.ly/2xmkKfQ ( newsletter)! You will receive daily emails (M-S) that are personalized and curated content specific to you and your interests, powered by artificial intelligence.  ~ We were featured as one of thehttp://bit.ly/2vRAGGl ( Top 25 Cryptocurrency Podcasts) and one of thehttp://bit.ly/33cnus9 ( 16 Best Cryptocurrency Podcasts in 2020). ~ Are you an accredited investor looking to invest in cryptocurrency? Check outhttp://bit.ly/2IrKABr ( Crescent City Capita)l. ~ Earn Interest. Receive Loans. Trade Crypto. Start Today! Learn more about how you canhttps://bit.ly/38Ezc3s ( sign up for Blockfi ) ~ Want to be on our show or know someone who should?http://bit.ly/38ufSC8 ( Contact us) today! ~ We hope you are enjoying our cryptocurrency and blockchain educational content! We greatly appreciate donations, which all go directly towards creating even better educational content. Thank you for your generosity! Buy us a coffeehttp://bit.ly/2VReXsS ( here) :)

Welcome back to Season 2, Episode 117 of the Asian Hustle Network Podcast! We are very excited to have Tiffany Yu on this week's show. We interview Asian entrepreneurs around the world to amplify their voices and empower Asians to pursue their dreams and goals. We believe that each person has a message and a unique story from their entrepreneurial journey that they can share with all of us. Check us out on Anchor, iTunes, Stitcher, Google Play Music, TuneIn, Spotify, and more. If you enjoyed this episode, please subscribe and leave us a positive 5-star review. This is our opportunity to use the voices of the Asian community and share these incredible stories with the world. We release a new episode every Wednesday and Saturday, so stay tuned! Tiffany Yu is the CEO & Founder of Diversability, an award-winning social enterprise to elevate disability pride; the Founder of the Awesome Foundation Disability Chapter, a monthly micro-grant that has awarded $52.5k to 53 disability projects in 8 countries; and the host of TIFFANY & YU, the podcast. She serves on the San Francisco Mayor's Disability Council and was a 2020 Co-Chair of the World Economic Forum Sustainable Development Impact Summit. At the age of 9, Tiffany became disabled as a result of a car accident that also took the life of her father. She started her career in investment banking at Goldman Sachs and has also worked at Bloomberg and Sean Diddy Combs' REVOLT Media & TV. She is a 3x TEDx speaker and spoke on 5 sessions at the World Economic Forum Annual Meeting in Davos. She has been featured in Marie Claire, the Guardian, and Forbes. This podcast episode is sponsored by Kia. Movement that inspires. Visit bit.ly/3IfxBQT to learn more. To stay connected within the AHN community, please join our AHN directory: bit.ly/AHNDirectory --- Support this podcast: https://anchor.fm/asianhustlenetwork/support

EP284 - 2022 Annual Predictions h 2021 Predictions Recap Jason: Made to Order apparel business > 9 figures Yes Retailer offers viable health alt insurance option to consumers No Grocery E-Com > 10%  someone deploys(not pilots) MFC Yes Amazon Shopify Competitor (shipping solution) No Retail Media > $20B Yes Bonus – More store closures in 2021 than 2020. No Jason Total Score: 3 of 5 Scot: Amazon move to same day prime by opening a huge wave of neighborhood DCs (near DSPs) Yes Shipping (Shopify) – launch own DSP No Shopify marketplace No ‘zero friction addiction' sticks – I've seen 30-40% repeated a lot, I think it's 60-80%. commerce penetration says at 16% or better in 2021. Yes spac/ipo? Dnvb wave Yes Bonus: post-covid anti-consumerism/materialism wave No Scot Total Score: 3 of 5 We have a tie, including the tie-breaker. Here are some relevent links: eMarketer recap of Retail Media Networks Bricks Meets Clicks analysis of digital grocery space 2022 Predictions Jason: NFTs, Web 3, Metaverse, and Ultrafast delivery services are all overhyped and don't deliver meaningful commerce revenue in 2022. Shein exceeds $30B in annual sales, disrupting apparel industry Adoption of BNPL services slows down to less than 15% CAGR in 2022. Amazon opens more than 100 Amazon Fresh grocery stores Last Mile evolves Veho, X-Delivery, shipium, or Instacart gets aquired Scot: Amazon launches a competitor to Shopify webstore, possibly via a headless solution on AWS Amazon wins ultra-fast delivery. Gopuff, Gorilla, or  Jokr goes out of business in 2022 Metaverse gets lots of buzz but no revenue Livestream commerce goes mainstream in the US  Fabric gets acquired Don't forget to like our facebook page, and if you enjoyed this episode please write us a review on itunes. Episode 284 of the Jason & Scot show was recorded on Thursday, January 6th, 2022. ttp://jasonandscot.com Join your hosts Jason "Retailgeek" Goldberg, Chief Commerce Strategy Officer at Publicis, and Scot Wingo, CEO of GetSpiffy and Co-Founder of ChannelAdvisor as they discuss the latest news and trends in the world of e-commerce and digital shopper marketing. Transcript Jason: [0:23] Welcome to the Jason and Scot show this is episode 284 being recorded on Thursday January sixth 2022 I'm your host Jason retailgeek Goldberg and as usual I'm here with your co-host Scott Wingo. Scot: [0:40] Hey Jason and welcome back Jason Scott she listeners happy New Year Jason and listeners it's 2022 here we are we made it. Jason: [0:49] I know I feel like I'm already winning because the intern type 2021 in the show notes and when I read the intro I caught it in my head I feel like that I'm impressed with myself right now. Scot: [1:00] Boom yep and there that was bad timing because there is a performance review coming up so that in turn is going to be in some pretty pretty thin ice here so we'll see hopefully they make it through. Jason: [1:13] Might be another year probation before he gets to start taking a salary. Scot: [1:18] Yeah most important question are you watching the book of Boba Fett. Jason: [1:24] I am I am we have to be careful not to do any spoilers but. Scot: [1:29] Never spoilers never a million spoiler. Jason: [1:31] Spoiler free pass. Scot: [1:33] I believe he got eaten by that giant thing in the desert oh sorry those spoiler. Jason: [1:39] Yeah. Yeah there are I will let I'm not going to reveal anything but there is sand in the new episodes. Scot: [1:49] Yeah yeah he want he like Star Wars you get a lot of sand in some people hate sand but Boba doesn't seem to mind. Jason: [1:57] No I think he's had to adjust but yeah really well done show been enjoying it felt like there was a end of the year there was kind of a little role in television programming in our household so it's been exciting too Taz some of these series come back. Scot: [2:13] Let's jump into it cuz this is sometimes one of our longest episode so we're going to try to try to not go too crazy long. Jason: [2:20] I feel like we just lost half our listenership right there. Scot: [2:23] Like I don't believe that this is gonna be a three-hour I am happy that Joe Rogan is starting to do these like three-hour heh, episodes it makes me feel better about our one hour winds so this is every the first show of every year is been are many many year, tradition to go through our past years predictions and then formulate our predictions for the upcoming year, and that is this show it is the 2021 prediction review 2022 prediction Revelation show feel like we need a sound effect for that, but. Jason: [3:00] I have a sound effect but I feel like I'm going to leave yours in. Scot: [3:02] If you can beat that you know over override it there. [3:10] So the way we do this is we do have to show is kind of doing our predictions and kind of self scoring ourselves in Jason's it's kind of, banging your head against a book typically self-flagellation or whatever it's called and then and then we are back after the show is hopefully we learn from these predictions we made and we, cast them forward to see what's going to happen this year so I feel like Jason we should I think you actually won last year if I remember. Jason: [3:41] In a major upset I feel like I had been like over 45 the the previous app that seasons. Scot: [3:48] Yeah yeah so you get the dubious honor of getting to rate your 2021 predictions first so why don't you kick us off. Jason: [3:54] Awesome yeah and spoiler alert we do not learn from the previous years. Scot: [4:00] Well part of making predictions is you yeah yeah yeah you got to kind of put it out there and that's risky. Jason: [4:07] Sure so I'm always looking forward to this episode I'm super excited about it I get you know jazzed weeks in advance and then I like dust off last year's forecast and suddenly I'm a gloomy because I realize I'm not near as clever as I remembered myself so that'll just set the tone up front so my first prediction last year was that more personalized made to order products would be taking off this year and my specific prediction was made to order a parallel with grow to be a nine figure 9 digit, business in 2021 and so good news bad news that happened so, if you add up the revenue from Indochina oh and suit supply, proper cloth and not standard you actually get now about 250 million in Revenue which is, considerably higher than nine figures. [5:14] In hindsight it wasn't that good of a prediction like we are pretty close to nine figures before last year. And so it wasn't as stretchy as I had hoped and I had in mind a lot of more. Well we're in consumer products pivoting the made to order and I specifically had been watching some some Amazon Pilots around made to order and they didn't really grow this year at also, technically I guess it was it happened but I don't feel very good about my first one. Scot: [5:46] Okay yeah well it's a win just take the W dude. Jason: [5:53] Okay all right yeah well I'll try to be more more strict going forward or just make better predictions so my second one, there's been a lot of initiatives around retailers weaning in the healthcare and I propose that at least one retailer would, launch their own health insurance or offer some alternative solution to health insurance, and while there were a bunch of investments in health care and Amazon you know in particular has done a lot in the last year I don't think that really happened so I'm giving that a no. Scot: [6:29] Yeah and in fact that was like a huge loss because Amazon Unwound their big partnership that made it seem like they were going to do a lot more in this myth. Jason: [6:37] Yeah that there is some Nuance there they they were part of a Consortium and they bailed on the Consortium but then they invested a lot more money and did several acquisitions, and expanded the scope of their own internal initiatives and it almost look like the the internal stakeholders didn't like partnering with Goldman Sachs and Berkshire Hathaway but nevertheless. I'm I'm not taking that that win that that didn't happen so. Scot: [7:09] What attracted such a big L kind of swamps the W from the first one. Jason: [7:14] Yeah cleaner it correctly so the next one was interesting I said that e-commerce would grocery e-commerce penetration with grow above 10% and I said someone will deploy not just pilot these micro fulfillment centers for grocery in both of those things basically happen so bricks me clicks which is one of the more credible sources out there for tracking grocery penetration has us at about fourteen percent penetration right now. So we definitely passed that ten percent threshold obviously aided by, the pandemic and the various waves and then several retailers leaned into mfcs a couple small retailers did deploy them, across all of their stores so like a chibi for example is aggressively rolling out mfcs Walmart I want to say spent like 14 billion dollars on on MFC so real money is, is getting invested in there so I think generally I feel good about my my grocery production number three so so. Two yeses and a know so far. Scot: [8:29] Is this a bricks and clicks thing is that a can mere mortals get that or is that something you get. Jason: [8:35] Well there's a there's a paid version which is well worth it if you follow the industry but they do publish their monthly forecasts for free on their website at bricks me cliques.com. It's pretty interesting so there you know we get. Grocery sales data from the US Department of Commerce and e-commerce data but we don't get grocery e-commerce so there's the grocery e-commerce we only get from a couple of these third-party private. Data providers and they all do it primarily based on. Big panels of consumer surveys so that's what bricks me clicks does but they they have some like pretty interesting data like you can look at what percentage of those grocery e-commerce orders were home delivery versus curbside pickup and stuff like that. Scot: [9:26] Very cool there's a how do they get their data. Jason: [9:30] Panel so they're there. Yeah they're serving a bunch of consumers yeah. Scot: [9:38] All right I'm going to remember you you did that. Jason: [9:42] You make you make use with what is available. Um and directionally emarketer published some grocery data and they kind of roll together a bunch of people's forecast there's another company out there called mercado's that publish them data and it also aligns, directionally that there we are over 10% where they disagree more is where we started before the pandemic so some of them have us starting at like two-and-a-half or three percent some of them have as high as six percent before. Um over 10 now. And if you're super interested in the interest of prolonging the show frequent friend and guest of the show Professor Dan McCarthy they he and his students just published an interesting. Cohort analysis of, um how the pandemic impacted digital restaurant sales so closely related to digital grocery right and obviously a lot more people ordered restaurant food for delivery during the pandemic but his interesting question was, um [10:49] Was that you know a pandemic Spike and it's going to go down back down to pre-pandemic levels or is it a permanent shift and what can we suss out and the way they did it is they looked at cohorts that. They ordering from restaurants for home delivery before the pandemic and how their behavior change versus first time users and what they found is like most of the growth was. Households that were already using restaurant delivery increase their usage and it appears to be more sticky the smaller cohort of people that ordered from restaurants for the first time during the pandemic, that behavior did not stick and they're not continuing to order but still the sales are up higher. There's a nice long digression for you that wasn't one of my forecast. Scot: [11:33] Always appreciate the commentary. Jason: [11:36] Yeah I'm here for you man so forecast number four was. I predicted that Amazon's Shopify competitor would be revealed, in this is a thing that we had heard about called project Santos but no one really knew what it was I said hey we're going to find out what it is and I think it's going to be a shipping solution to compete with, to fulfill orders for Shopify and take take you know a piece of the Shopify gmv. And it was in fact revealed so that's the good news it was not a shipping solution so so project Santos turned out to be, a point-of-sale system for brick-and-mortar retailers that Amazon is developing, and has still not released but is purported to be small business POS system that's going to compete with Shopify and square and some other folks in that space so, I'm giving that a no. Scot: [12:42] All right I agree on the phone. Jason: [12:44] Cool cool. Interesting news and Evolutions there to talk about on one of our subsequent new shows is there some interesting patterns that Shopify and others of, have filed in that space so we get to my fifth prediction my fifth prediction was that retail media networks were going to take off in 2021 and that they would generate more than 20 billion dollars in ad revenues, and put things in perspective like the year before we had only seen about 10 billion and AD Revenue so that was a meaningful prediction and that. Totally happen so according to emarketer we did 24 billion, in calendar year 2021 in ads that were invested in retail media Networks, um Amazon is on a run rate right now to do about 30 billion dollars a year and everybody and their brother is launching a retail media Network so the Gap is launching a retail media Network which is. Interesting most of these, retail media networks are selling ads to what we would call endemic Advertiser so your Duracell batteries you sell batteries at Walmart you buy an ad from Walmart for Duracell batteries to help more people find them. [13:57] Gap doesn't sell other people's stuff so there are no endemic advertisers on the Gap right and so super interesting that even they are trying to monetize their traffic. You know you name it they watched a retail media Network this year and just today I want to say Best Buy which already had a retail media Network, launched a new rebranded retail media Network and they're now selling ads to non-endemic advertisers as well so so that when I feel like I hit pretty well. [14:28] So you add that up and that is three corrects and and to to mrs. and folks careful listeners will note we also made a bonus prediction and the case that we tied, in my. My bonus prediction was that we would have even more store closures in 2021 than we did in 2020 and I was wildly wrong, so caveat here are the data everyone uses when they quote store closures is this core site data and core site is kind of anecdotal data and it's totally tracking Big Chain, retailers but based on their data there is like 41 percent fewer store closures in 2021 than 20/20 so so we'll call that a huge mess, um I would argue that all the store closures that happen this year were small independent retailers that got wiped out by these big chains, and we really don't have a good data source for for those but nevertheless I'll accept that I lost the bonus round badly. Scot: [15:28] Yeah in fact isn't there a record number of stores opened. Jason: [15:33] Yeah so a separate issue from the store closings is hey where there are more openings and there, there there were so not a record number of openings but the but from that course I data set more store opens opened than closed last year which so we would have had a net increase in stores. That that's interesting I wouldn't encourage retailers to pay too much attention to that because it really matters. The nature of the closed and open stores I get almost rather follow, net gains or losses in retail square footage because if you have a bunch of Macy's stores closed and you have a bunch of Dollar General stores open your closing 100,000 square foot store and opening a 10,000 square foot store. Scot: [16:22] Awesome and then you had all right so then if we include your bonus you're even so three wins and three else. Jason: [16:35] Exactly I like to think of it as three wins and two L's and the bonus only comes up if you can tie me. Scot: [16:41] Okay alright let's see how I did so. Jason: [16:46] Yeah I'm excited to hear this. Scot: [16:48] Yeah so just to remind everyone this was done a year ago in January of 21 we were merely. Nine months months depends on when you start depending I guess nine months into two covid. Jason: [17:01] That's a calendar year ago but it was actually four years of Lifetime ago. Scot: [17:06] Yeah it feels like it for sure, all right so my first thing I always like to kick off with an Amazon prediction so my Amazon prediction last year was that we would move to same day Prime by opening a huge wave of neighborhood DC's. And they would be near dsps and I got that one right that one, don't feels obvious like I don't feel like I was making too much of a prediction but at the time I remember being worried about it because I think they they were still doing most of the dsps this is where time dilation happens during covid the four-year thing you mentioned. They've just built up an incredible amount of. They call him I called him neighborhood DC's they call him delivery stations now I think is the official name where they have built you know just tons of these these interesting new. Footprints where they house a bunch of these dsps Under One Roof and then they for deploy a lot of that days things to be delivered into that out of a fulfillment center and then the the dsps just line up and deliver that stuff so it's been really interesting to watch them build that, so I would count that one as a win. Jason: [18:18] Yeah no I totally agree I'm often surprised by how many people still have this outdated model of Amazon and they imagine the Amazon is primarily doing two day shipping. Scot: [18:29] Yeah no it is they have really cranked it up especially I'm out I'm in North Carolina you're in Chicago and you guys are probably getting stuff you know. Jason: [18:38] Yeah we we are we were in early market for same-day delivery and we're kind of an epicenter for a lot of of their delivery products and the vast majority of stuff I order, um my I get two offers for wind to have it delivered between 4 and 8 a.m. or between 8 a.m. and 10 a.m. the next day. So some stuff I get same day I would just tell you there were I was listening to an Amazon earnings call and someone asked them if they were were concerned about all these ultra-fast delivery services that were popping up all these VC funded, you know 15 minutes to 1 hour delivery services that are mostly sent in one one-block radius in New York and the Amazon CFO was like. You know those those Services deliver, an assortment of 4,000 skews to a five-block radius we're currently delivering about 400,000 skews Same Day to all of America we feel pretty good about our offering what's the. Scot: [19:42] Boom drops the mic walk. Haha okay sticking to Logistics which is interesting because I was poking around and Logistics a year ago and I you know in hindsight the perfect prediction would be there's going to be a supply chain problem but I did not I did not pick that one sadly instead I said you know Shopify, so my logic here was kind of looking at the chessboard at that point in time we all know Amazon's kind of, turning the guns toward Shopify if your Shopify you know those guns are turning towards you so one of the things you do is try to get into the delivery world. They have tried but they pretty publicly there was Toby was in, was it Bloomberg he did kind of a cover story on one of the Business magazines and in there he basically admitted that you know hey were. Pretty bad at this fulfillment stuff and I think they had a customer say that they're embarrassing really bad and you know it almost seemed like there are not going to go deeper into fulfillment so I missed on that one but Asterix. I think they should and I think it's going to be a pretty big strategic. Blind spot if you're an arm the rebels in e-commerce you're gonna need to help them get the products to consumers in that last mile that's going to be where the battle is and I feel like it's a bit of a soft underbelly for them right now. Jason: [21:11] Yeah generally agree. An interesting side note that the CEO of instacart just got named to the Shopify board and I inadvertently started a little bit of LinkedIn debate about like how soon it would be before that was a potential conflict of interest and a lot of people chimed in that they thought instacart was a potential acquisition Target of Shopify which might be one way for them to to get into the the Fulfillment business. Scot: [21:48] Yeah but even that's a conflict of interest rent mean proofs proves your point not you know. Jason: [21:53] Yeah I mean clearly I'm right but that's a separate issue. Scot: [22:07] You don't think this will ever happen and everyone else in the world thinks it will so you know, this one's tricky I could make some argument that they are doing more on this and then that same article they do start to talk about it being more of a central by it I'm talking about the shop app that they have, um doing more around that centralizing your your Shopify, you know whole experience in aggregate including some search functionality they have added some search haven't looked at lately but I've seen to Twitter traffic that they have added some stuff there, but I'll all I'll take the L on this one I but I still think. That it's going to be something they do more of down the road probably in a different flavor than a traditional Marketplace but I think it's an area that they have to explore it is more in their wheelhouse than the Fulfillment sign. Jason: [23:02] For sure I certainly agree with that and I would encourage you to double down on that prediction for Fort Wayne tonight but I will say like two things I was clearly wrong on the shop a. [23:17] Like is getting much broader adoption than I would have expected because I would argue it's mostly a shipping tracking app. It has some like Merchants search capabilities it doesn't really have product search capabilities at least in general release but it's. At various times it's been the most downloaded retail app and it's bouncing around in the top four so a lot of people are getting that app and so per your point, you know they have a bunch of merchants they have a bunch of users with this app which is really hard to do this app has some Marketplace of like features and then you know I don't know you I'm sure you saw but bradstone, got to go visit Shopify and do an interview with Toby and he in his article he kind of painted a picture that that. Internal stakeholders at Shopify were wildly divided and didn't agree about. If Shopify should do a Marketplace and what it would look like and so that that makes me think. They're you know having the same debate we are and Toby himself weighed in that he's like. You're not going to see us compete with our Merchants so if they do a Marketplace as probably going to have to look. You know considerably different than the kind of marketplace I think some people are thinking about but but it's an interesting space. Scot: [24:41] Yeah, yeah and then so we'll see if this comes up again in predictions and then I the super risky thing I did last year was made a covid prediction I've learned my lesson there remember to week two weeks and we're done anyway we my prediction was we will be shocked how much quote-unquote zero friction addiction sticks I've seen 30 to 40% repeated a lot and I think it's going to be much much higher and then so I think there is some good data that points to that we haven't seen a decrease in the growth of you know online even as we've gotten into a post covid World we're kind of getting back into one with with all the Quran right now but and to your point there's a lot of interesting data like like Dan and his group did that show that it's been pretty sticky. Jason: [25:37] Yeah no I think that's totally fair a lot of people are in correctly predicting that that it's going to revert but yeah I think I think all the tangible evidence points to it being sticky. Scot: [25:52] Okay and then my fifth prediction was given all the heat around these specs and IPOs that we would have 20:21 would be a banner year for digitally native vertical Brands either going pilot getting Acquired and doing IPOs, I want to made this one I felt like it was going to be much more around these facts but then the specs pivoted and started doing these really weird esoteric things that end up, not doing very well but where I kind of snuck the win out on this one is we did have three companies that we've tracked in our kind of the oh geez of digital native vertical Brands go public so we had War be Rent the Runway and I'll Birds now they haven't done great since they went public but they did get out and they had you know the kind of met their pricing and went public and are still out there and so so there you go so that was a yes. Jason: [26:51] Yeah yeah I will certainly give that one too. Scot: [26:54] All right so at this point I am let's see three yeses and to nose. Jason: [27:02] So we're tied so the bonus comes up what was your bonus. Scot: [27:07] My bonus was that there will be I was much more optimal another covid so I got lucky on the first one I felt like we're going we're going to in 21 we would be post covid and people would kind of stop buying stuff just generally and really focus on going out and doing things and seeing the world over the holiday I went down to Orlando for three or four days and it felt like, there's definitely a segment of the population that that's out there doing that they all seem to be in Florida right now and maybe some in Texas but I think if you look at the data there's nothing to really support that in fact the we've talked on this show about the e-commerce data and Retail data and it all seems quite robust so we have not hit a.n.t. consumer materialism wave that that I predicted. [28:03] Cough so it turns out that I think we're effectively tied is that I'm doing the math right on. Jason: [28:09] I think you are and and I think all our listeners will agree that a tie is basically a huge win for me. Scot: [28:15] Given our past history yes it's the first time we've had a feels like soccer or that we're in England where that is a possible outcome. Jason: [28:23] Exactly I think I think my high school soccer team just just tied your your Premier League team. Scot: [28:31] Yep cool so yeah that but you know it fun to do these things because I would say in a volatile world like we aren't getting half of these things right I think you would agree with me that we're pretty awesome you know we there's other people out there that make predictions and they throw so much junk against the wall they get like five percent right but and they do big Victory lap so I think if you look at our records pretty good pretty solid. Jason: [29:01] Yeah no I agree and I don't think we sandbag very much either I mean sometimes in hindsight they feel like sandbags but I feel like we stretch ourselves so, so I will definitely take them. So how are you going to like pay off that that self-congratulatory pat on the back Scott you're gonna have to come up with some Whoppers for this year. [29:32] I don't I don't what do you want to do I'm sure we lost all our listeners except for my mom so whichever she prefers. Scot: [29:39] I'll go first so so my predictions this year, so my Amazon prediction number one and this is for 2022 is I predict Jeff Bezos is going to have a midlife crisis and run around it was in Miami with hot chicks and other exotic locations and take a lot of selfies for Instagram. Jason: [30:05] If you had said in dubious fashion choices than I might give it to you. Scot I'm not sure but I think as of January 6 that's already happened. Scot: [30:16] Yeah yeah yeah okay you got me that ones are what they call retcon and in the world where it has already happened alright or series prediction is I'm gonna I'm gonna double down kind of on your prediction I'm going to steal your prediction from last year and say I guess this isn't exactly what you predicted but I do feel like, Amazon is very serious about Shopify in that same article I was talking about where, Toby was there a next Amazon you know an anonymous sex annum Amazon Source you have to take that with a grain of salt said these guys crushed us they came out of nowhere and destroyed us and where we were blindsided, that seems. [31:03] Pretty pretty Amplified but I do think they have their guns trained on them so I'm going to say we're going to see Amazon come out with a serious competitor this year, and I think it's gonna you know, I imagine it could even be like a web store offering even though they started this and got rid of it I think they're going to get pretty serious about it and now I could see them come out with a, you probably won't have a lot of Headway in the first year but they're gonna I think they're gonna go right out these guys the thing that's hard to predict, there's some interesting things they could do it with AWS and headless so I'm going to kind of give myself a little space there that it could be headless versus kind of a more monolithic type SAS kind of an offering but yeah, so I think they're going to get pretty serious about. Jason: [31:54] Okay yeah yeah I could I like that I can't I see that and you could imagine bundling like AWS Commerce platform with a bunch of the traditional merchant services from Amazon like fulfillment and payment and stuff like that. Scot: [32:08] Another Amazon one is and you kind of foreshadow this when you're talking about the Amazon thing there's there's hundreds of millions of dollars if not billions going into these do have a name for them fast. Jason: [32:23] Yeah well ultra-fast delivery is the. Scot: [32:25] Ultra-fast slurry okay these companies so there's like go puff and there's one that has like an animal name like. Gorilla yeah Joker yep yeah I've been I don't know how DC is letting them do that one but anyway you know so these guys have raised billions of dollars and it's a hot Market but I think Amazon is kind of going to train their guns on that and I think they're going to put a real hurting on them, I think we'll see I'll be pretty risky here and say one of them will close their doors one of those so I'll put it here in the notes so to keep me honest so, go puff gorilla and or Joker one of those three big ones probably doesn't make it out of 22. [33:19] Okay, so that's 1/2 so this is my third one I realize I'm actually short protection will have to do one on the flyer the Bezos wanted kind of counted in my head but that was early prediction you know the at the end of 21 we had Facebook changes name to metaverse and since they did that you can't throw a rock without reading a thousand articles about the maneuvers. In fact today on Twitter there was a big Walmart video you know kind of showing an metaverse shopping experience mock-up kind of thing that was kind of fun, the I think there's going to be I think there should be a lot of hype and 22 I'm actually kinda already burned out on it and a lot of you know what does metaverse shopping look like and there's going to be lots of excitement and smoke but no fire and no Ray. So I think it's going to be the flash in the pan when we look back on 22 so I think it's going to not a lot of activity there I think it'll be like, you know chat Commerce and social commerce and a lot of these things that had a lot of buzz in their era AI Commerce machine learning Commerce all these things that had huge amount of Buzz and then turned out to not really have substance. [34:37] Okay and then the inverse of that is I think one of the things that there's been a lot of talk about that is going to have substance is live streaming of kind of video live video e-commerce integration so I think that one is going to be more mainstream there's there's a little. Amazon has tried this and failed it's big and Ali Baba I'm I'll qualify this and say in the u.s. too so I'm not trying to be sneaky here and you know, there's not a lot of I've seen some startups trying to get traction here but they're in like supermicro verticals but that's how I things get adopted is you kind of build some habits in these small behaviors and then they can go mainstream so I think we'll look back on 22 when we do our 20:23 show and we will see live streaming has gone mainstream so that is one and then let's see, I may have to come back with another. Jason: [35:35] Yeah I'll let you you can make fun of mine and then you I'll let you cherry pick after hearing my. Scot: [35:41] Okay any reaction to my my for so far. Jason: [35:44] No I so a I should have come to rehearsal because I feel like we're gonna get off the right off the bat with some potential overlap but. I definitely. [36:00] I think we're going to see some way Amazon very seriously competes with Shopify I think it's not going to be the way most most people expect that your your description seems totally plausible is we're about to see I have a, an opinion on some of these ultra-fast delivery services and The Meta versed both of which you touched and then I got to be honest I am nervous about live streaming like I could I definitely am not bearish I could see it going either way a ton of Commerce happens via live stream in China and we're starting to get a lot of Commerce. Video content get consumed in the u.s. what's not working very well at the moment is the buy now button at the end of those videos and so you kind of have, indirect livestream commerce's is already starting to happen in pretty high volume here in the US and a bunch of people are investing in in. Trying to take it that that last click. And I have reasonable confidence that it could work so at the very least I know a lot of retailers and a lot of my clients are going to be trying it pretty pretty heavily this year so we shall see. Scot: [37:15] I came up with my fifth. Jason: [37:17] I knew if I just rambled that I would give you enough room for one. Scot: [37:20] Yeah this one is a risky one but you know our friend Faisal started Fabric and I'm going to predict that that company has so much Buzz they're going to get acquired in this year so that was risky because they're super early stage where is it it'll it'll it'll have to be a big number to take them off the table at this point but I think someone's going to going to, pay that number. Jason: [37:45] Yeah to fun ways that could go I feel like he's pretty – on Shopify so it would be awesome Shopify acquired them but you could also Imagine AWS acquiring them and and making two of your predictions come true. Scot: [37:59] Yeah or or adobe or you know IBM IBM's kind of on the sidelines lately they've got a whole. Jason: [38:07] Yeah yeah they kind of got out of the those software platforms I would be I mean but not to say they couldn't pivot and come back in for sure. Scot: [38:14] Yeah yeah and then let's see I said Adobe I've and Salesforce. Jason: [38:20] Interesting okay well I'm going to jump into mine and again we did not dedupe these I bundled several of yours and made them more negative, so my first prediction is what's not gonna happen and I lumped in a bunch of very trendy things that people are super hyped about and I said I don't think any of these are going to be economically meaningful in 2022 so it's in ft's which I know, are near to your heart than mine I I do believe there's some Niche use cases where in Ft is totally makes sense and I know you play in some of those, those Niche cases but there are so many people that just think crypto in general and nft is in particular are going to be, a huge part of Commerce I don't think they're going to be very economically meaningful and in 2022 even more so I don't think web 3 is going to have any impact I'm starting to get a lot of questions about, how Bigcommerce is going to change because of web three in my answer is it's not, I think the metaverse is going to fail pretty miserably as a Commerce, play and I'm also going to say all of these Venture funded ultra-fast delivery startups are going to fail so that's not to say that. [39:36] Amazon, instacart or even go puff couldn't win but like all these these Sand Hill Road back startups that are delivering in Manhattan I don't think any of them are gonna change consumer Behavior enough to really matter economically in, so that's my Chrome Legend hey all the cool things that talking has like to talk about aren't very important one. Scot: [40:02] Well I don't think that overlaps too much no no I I disagree but we'll see. Jason: [40:09] Knox awesome those are the. Scot: [40:11] What's your specific prediction like there will be less in ft's and 2022 and is in of T volume. Jason: [40:19] Yeah yeah. Scot: [40:20] Let's put that one down oh that's that's the prediction last in a $50 transacted. Jason: [40:26] Well so like I don't so full disclosure I can throw out a number but like I don't know of a credible source for tracking in Ft Revenue dollars. Scot: [40:40] Yeah there's some there's gmv trackers so open sea and is the biggest Market Place than there's like three or four others. Jason: [40:46] Okay I was mostly thinking like the there's there's not going to be meaningful revenue from the US Department of Commerce retail sales data that's enough. Scot: [40:57] Wow that's there it's going to take them 50 years before they can spell it. Jason: [41:02] Well I know they're not going to report it that's what I'm saying but I'm just saying like there's an Amazon Walmart the the top 10 eCommerce sites in the US are not going to have any meaningful revenue from in FTS. Yeah but nobody's going to do anything with webbed three in Commerce and nobody's going to buy anything with a virtual reality headset. Or from gorillas outside of one block. Scot: [41:40] Okay. Jason: [41:42] So I'll try to get less – now a company that we've talked about on the show a couple times that people don't talk about enough and I'm kind of using them as a surrogate for a whole new trend but is the the. Ultra fast fashion brand Chien which is a apparel brand the. The they're estimated to have sold about 10 to 15 billion dollars worth of Apparel in 2021 and I think they're going to exceed 30 billion dollars in apparel sales and 2022 which is going to make them. A top 3 apparel retailer in the US. [42:24] And I said they're kind of a surrogate for a trend this is democratized merchandising so this is, instead of Mickey Drexler deciding what the cool kids should wear in high school instead of easy deciding what the cool kids should wear in high school this is, algorithms watching what the cool kids post that they are wearing in high school on tick-tock, and then making it in two weeks and selling it to all the kids that want to be cool, and so it's kind of the perfect manifestation of what Amazon called hands off the wheel where they stopped having Merchants pick products and instead kind of use data to, to drive their catalog and I think she is gonna continue to have great success there and it's, it's disrupting the fashion industry more than a lot of people in the fashion industry realize but I think, it's going to become extremely evident in 2022 that it's disrupting the apparel business. Scot: [43:23] And then are you are you putting a specific number on it and if so how much is that over last year. Jason: [43:27] Sorry I thought I said it yeah so I think they're going to sell more than 30 billion dollars of Apparel in 2022. Scot: [43:34] What they do in 21. Jason: [43:36] The estimates they're not public but the estimates are between 10 and 15 billion so more than double. Scot: [43:42] Okay all right. Jason: [43:44] Again not trying to sandbag. So third one and I guess I'm going back to my my negative Nelly so one of the hottest trends of 2021 and the prediction I have seen the most people do and I fully expected you to do so I'm, totally bombed is that buy now pay later services are going to continue to explode, and in 2021 by some estimates they grew 30% in their you know wildly adopted, it's the fastest-growing payment type in in e-commerce in 2021 you're starting to see it expand from just e-commerce to in-store purchases as well, and it's moving down Market to you know from from expensive High consideration items to a lot of lower cost more impulse items so by all accounts the future of payments and credit is buy now pay later in my prediction is that it slows down and 2222 I'm not saying it's necessarily going to flop, but I think you're going to see only about 15 percent growth over 20. [44:52] One versus the 30% that they had this year so I think the rate of growth Cuts in half and I think there's a couple reasons behind that, I think the bill is going to come due for a lot of these products and a lot of these consumers are not going to be able to pay for the products they purchase, and I think you're going to start to see a ton of writedowns and the financial reality of renting money to subprime lenders without like significant collateral is going to kind of start to, catch up with some of these companies I think the Credit Agencies are going to start to lean into this more and that's going to take away one of the competitive advantages that they had and I think we might even see some some regulation because like there's some, some very financially responsible companies in the buy now pay later ecosystem but there's also some, some kind of rebranded payday loan players in that space and so I think there's just going to be a lot of erosion of trust and and some- stories that will slow down the rate of growth. Scot: [45:59] Gaap negative or positive on the next. Jason: [46:04] Yeah we're going positive again I'm yeah I'm alternating I'm and I'm going to throw an Amazon one to you I think Amazon opens more than 100 grocery stores in 2022. Not whole food so Amazon Fresh doors, um and that you know again that that would be about three times as many stores as they have ever opened Amazon book stores or five star store so. It's not the thousands of stores that some people have talked about but it's also a much faster pace of brick-and-mortar growth than we've ever seen from Amazon. Scot: [46:41] Yeah that I will be excited to see this one. Jason: [46:46] And you know most of them will be in Chicago so that'll be fun for me. Scot: [46:50] Of the 500 stores they'll be like 75. Jason: [46:54] Yeah exactly I'll be surrounded, yeah so I think that's a super interesting space I've talked about it a bunch it was you know the growth of digital commerce was one of my grocery commerce was one of my big ones and I think it's just the big category of consumer spending that Amazon. Doesn't play meaningfully and Whole Foods is very Niche and I just think it's a moonshot imperative for Amazon to win Grocery and I don't think you can win digital grocery without having brick-and-mortar grocery as well. [47:29] So that I think gives me 4 so my last one, is I think there's going to be a lot of interesting Activity one of the categories of e-commerce I'm most interested in watching in 2022 is Last Mile, there's going to be a lot all kinds of different Evolutions but the specific prediction I'll make is one of these new, um I'll call them FedEx UPS competitors is going to sort of get get acquired or have some meaningful liquidation event and so so there's a couple of startups that are kind of, Next Generation parcel delivery services like vejo index delivery ship IAM is a bunch of X Amazon guys and I'm going to say that, instacart original business model could even slow down and instacart could get acquired, primarily to be a last mile delivery service by someone so so one of those companies gets acquired, as part of the buzz around owning your own Last Mile in 2022. Scot: [48:38] Yep and does that include so there's all these like ship Bob Shapiro those kind of guys your that's not. Jason: [48:45] I think there's going to be a lot of I think they're an interesting space to in most cases they're not actually delivering products they're they're facilitating delivery of products or tracking delivery of products and so I tried to keep this pure to the, guys that have access to trucks and are driving products to people's houses but. Yeah so no I'm not I won't call it a win if it's if those are the only ones that get acquired. Scot: [49:13] And then any other bonus prediction so I kind of had to stretch to get my 5 but anything else you want. Jason: [49:20] So so yeah you know I do all my best thinking on dog walks and so I you know I might thinking about all these cool predictions and I came home with like 40 of them and so I struggled to narrow it down to these five and so then kind of the next class of predictions that just sounded. Too easy in a way but you know last year digital Commerce kind of slowed down a little bit compared to Brick and Mortar Commerce it was a huge year in brick-and-mortar growth. Because e-commerce had grown so fast the year before so I think that that. That Paradox gets inverted again this year so I think we see way faster e-commerce growth than we do brick-and-mortar growth, I think curbside which was a big thing in 2020 and 2021 becomes even bigger thing in 2022, I think you're gonna see a ton of stores redesign their parking lot I noticed H-E-B just opened a new store and as 26 Bays, for curbside pickup so I think those those are the big things in the you know the big macro story that we'll see in 2022. I recognize that less controversial than my official five predictions. Scot: [50:34] Yeah okay cool I think that's a good set of 10 predictions there any anything else you want to just let people marinate on that for little bit. Jason: [50:42] No I if folks strongly agree or disagree I'd love to hear about it on social media and if you have different predictions, throw them our way on Twitter Facebook and we'll be happy to debate them on our next show. Scot: [50:59] Yeah yeah maybe we could introduce some listener predictions as part of this going forward that would be kind of fun it also reminds me we need to we haven't done a deep dive in a while and maybe you know we touched on in ft's web 3 meta those are pretty good topics for deep Dives maybe even buy now pay later so usually we hit a new slow down in the e-commerce world, kind of in that March April May time frame after we get the q1 results so maybe we'll throw some deep Dives in there so that, if those topics are interesting we're happy to kind of go deep on those I guess looking back the live streaming when I don't think we've done a deep dive on that either so those are all areas where between the two of us we have a pretty good bit of domain knowledge that we could make sure that is out there and available if you want to go deeper on one of those topics so let us know think about your preferences on 20-22 content around that type of a topic as well. Jason: [51:56] Yeah I will look forward to all of that. And of course if you did find this show fun at all or you learned anything the best way you could reward us as jump on iTunes and leave us that 2022 five-star review all those reviews you wrote in 2021 don't count anymore so you need to get back on iTunes and leave us up fresh review and feel free to make fun of Scott in the review that's always appreciated. Scot: [52:22] Or Jason's title. Jason: [52:24] One of my many titles. Scot: [52:25] All right thanks everybody. Jason: [52:29] And until next time happy commercing.

Multidimensional EIP 1559: https://ethresear.ch/t/multidimensional-eip-1559/11651 

BREAKING: Israel to have NO countries on its red list starting midnight tonight. (Thu into Fri.). Gov in its last hours of decision-making. Covid, Bird Flu and Influenza invade Israel at once; Gantz talks security with Abdullah & Goldman Sachs to expand in Israel. Social Media links, Newsletter sign-up &, Support the show $ here: https://linktr.ee/israeldailynews Music: What You Started; Nicole Raviv https://open.spotify.com/track/2AJKTPVWwlfdCRPMSJDPr0?si=91427e413252415a --- Support this podcast: https://anchor.fm/israeldailynews/support

This week's Coin Stories features Okcoin CEO Hong Fang *** Okcoin is on a mission to make crypto investing and trading easily accessible to anyone around the world. We are building the next generation of tools to help onboard the investors and traders who have been on the fence about crypto. Okcoin a globally licensed exchange with offices in San Francisco, Miami, Malta, Hong Kong, Singapore and Japan. We are a collective of global citizens with a common passion to help decentralize finance and level the economic playing field for everyone around the world. Visit https://go.okcoin.com/natalie for $50 in Bitcoin when you sign up. *** Coin Stories is brought to you in part by The Bitcoin Conference and Okcoin. BITCOIN 2022 will be the BIGGEST BITCOIN EVENT IN HISTORY held in Miami on April 6-9, 2022. For 10% Off your Bitcoin Conference Ticket head to https://b.tc/conference and use code COINSTORIES *** Hong Fang is the CEO of Okcoin, a global, US-licensed cryptocurrency platform serving 190+ countries — the largest reach of any US-based exchange. Having experienced the opening of China's economy, Hong worked at Goldman Sachs for nearly a decade, driven by her passion for free markets. She left Wall Street for cryptocurrency after realizing digital assets offer the financial inclusion that traditional finance only claims to. Hong joined Okcoin in 2019 after making a growth equity investment in the company, and has since overseen the company's rapid growth. She holds an MBA in Finance, Accounting and Entrepreneurship from the University of Chicago's Booth School of Business. You can follow Hong on Twitter at @hfangca Timecodes: 00:00 Intro and promo codes 02:26 Hong upbringing 03:48 Hong's Chinese parents 04:38 Understanding money in China 05:26 Applying to school in the US 07:32 Chinese vs. American value systems 08:39 Business school 11:14 Chinese vs. American monetary systems 14:06 First job on Wall Street 15:10 Interest in cryptocurrency 17:10 Was Hong for or against bailouts? 18:32 Satoshi's Bitcoin white paper 20:22 Hong's transition from Goldman Sachs to cryptocurrency world 26:33 Investing in making a difference 31:23 Hong's rise to CEO of OKcoin 38:48 Hong's family's reaction to her career 40:15 Becoming first female global exchange CEO 43:12 OKcoin's culture and diversity 53:26 Hong's take on various coins and cryptocurrencies 58:17 Why does Hong believe in Bitcoin? 1:00:42 What would Hong tell her younger self?

Photo: Goldman Sachs hearts Build Back Better. @JohnTamny @RealClearMarkets https://www.forbes.com/sites/johntamny/2022/01/02/why-does-goldman-sachs-even-bother-to-fund-an-economics-department/?sh=6c03dc754f20

Hello Podcast listeners, Today is a very special episode with Marshall Sandman, Managing Partner at Animal Capital. Before this, he was Director of Strategy at Warner Media. He was also a Senior Analyst at JEGI and was an Investment Banking Analyst at Goldman Sachs. Marshall earned his Bachelors from Cornell University. In today's episode we discuss his investment approach and where he finds opportunities. This episode was recorded Nov 22, 2021. Enjoy and thanks for the listen!

Today I'm joined by Courtney Reum, co-founder of M13 — a brand development and investment company.    In this episode, we discuss the shifting venture capital ecosystem, trends in health and wellness, and the firm's investments in companies like Tonal, Headspace, and ClassPass. Plus, Courtney shares his frameworks for evaluating potential investments.    More from Fitt Insider    Fitt Insider helps operators stay informed and make better decisions. We produce a weekly newsletter and podcast, curate an industry jobs board, and invest in early-stage companies.   *** Subscribe to our newsletter: https://insider.fitt.co/newsletter/   *** Visit the jobs board: https://jobs.fitt.co/   *** View current investment and get in touch: https://insider.fitt.co/investments/   More from Courtney   Courtney Reum is an innovator whose goal is to create impact towards global change. In April 2016, Courtney co-founded M13, a Los Angeles based brand development and investment company that accelerates businesses at the nexus of consumer products, technology, and media. M13 focuses on building emerging entrepreneurial businesses, and will directly invest more than $100 million of investments over the next 5 years.    Courtney began his career as an Investment Banker at Goldman Sachs in New York, working with such brands as Procter & Gamble, Under Armour, and Vitamin Water. In 2007, following his career at Goldman Sachs, Courtney and his brother Carter Reum established VEEV Spirits with the goal of creating “a better way to drink”. Originally offering a first of its kind vodka alternative, VEEV Spirits quickly grew to be one of the fastest-growing independent brands in the country and later, with the addition of VitaFrute™ Cocktails by VEEV, the first line of organic ready-to-drink cocktails.  VEEV has been honored as the winner of the Technomic Fast 50 Award and by Inc. Magazine as one of the 500 Fastest-Growing Companies in the U.S. (#7 in the food & beverage category).     While growing VEEV, Courtney & Carter began investing and providing guidance as advisors and board members to emerging businesses. Some of their select early investments include Bonobos, Birchbox, Warby Parker, Pinterest, Lyft, Kevita, and Krave Jerky. In 2016, Courtney & Carter sold a majority stake of VEEV Spirits to a multi-national strategic buyer, allowing them to found M13 and focus on their entrepreneurial stewardship of consumer brands. M13 currently has investments in 100+ companies spanning consumer brands, media, and technology.    Courtney holds a B.A. with distinction from Columbia University in New York and is an alumni of Harvard Business School.  He is also an active member of the Young Presidents Organization (YPO) and has served as the President of the Bel-Air Chapter. Courtney was appointed as one of Mayor Eric Garcetti's Commissioners for the Los Angeles Convention Center & Tourism Authority and is philanthropically involved as a Board Member of the Los Angeles Opera and City Year, which helps underserved schools.    Courtney was named one of the 100 Most Intriguing Entrepreneurs of both 2014 and 2015 by Goldman Sachs at its annual Builders + Innovators Summit, featured in Inc's “500 fastest growing private companies in America,” and included in the Forbes “30 Under 30” list. Courtney serves as a contributing writer for Inc magazine and is featured in best-selling books such as Richard Branson's “Screw Business as Usual” and Blake Mycoskie's (TOMs Shoes) “Start Something that Matters.”    Finally, Courtney and his brother are the authors of the national bestseller Shortcut Your Startup, which was published by Simon & Schuster in January 2018 and aimed to share their insights and empower the next generation of entrepreneurs. 

About This Episode: Stephen is the CEO of GoldCore, one of the oldest gold and silver dealers in the market today that has turned over $1 billion in transactions and manages $300 million in assets for their clients. After Stephen received his degree at Portobello Business College in Dublin, Ireland, he began his career in finance. He held financial and trading positions in New York City, before joining Goldman Sachs as a Sales Trader in Equity Derivatives. When he returned to Ireland to put his experience in trading, risk, and financial markets at Goldman to good use, his entrepreneurial drive led him to establish his own financial services firm at GoldCore where they advise clients on gold and silver purchasing and storage. Stephen is married with three young, lively boys, and, when he's not at work, he loves the outdoor life. He resides in the rural Dublin Mountains and enjoys mountain walking, swimming and biking with the family. Find out more about Stephen at: Website: www.goldcore.com Twitter - https://twitter.com/ Facebook - https://www.facebook.com/GoldCore/ LinkedIn - https://www.linkedin.com/in/stephen-flood-544905/ YouTube - https://www.youtube.com/user/GoldCoreLimited Special Audience Giveaway: www.goldintheusa.com Check out our YouTube Channel: Jeremyryanslatebiz See the Show Notes: www.jeremyryanslate.com/947 Sponsors: LinkedIn Jobs: Post your first job for free linkedin.com/cyol MyPillow: Use the promo code: CYOL to get up to 60% off https://www.mypillow.com/ Audible: Get a free 30 day free trial and 1 free audiobook from thousands of available books. Right now I'm reading "In Trump Time" by Peter Navarro www.jeremyryanslate.com/book  

The record wave of M&A activity that we witnessed in 2021 is showing no signs of slowing as we turn the page on a new year. Goldman Sachs' Stephan Feldgoise and Mark Sorrell, co-heads of the global mergers and acquisition business in the Investment Banking Division, explain the drivers behind the deal-making activity and the outlook for 2022. 

Jesse Pujji currently serves as Founder & CEO of Gateway X and as Executive Chairman of Ampush and MySubscriptionAddiction.com.   Prior to GX, Jesse co-founded and was CEO of Ampush. He grew Ampush to over 100 Ampushers, managed over $1BN of digital media spend, and partnered with brands such as Dollar Shave Club, Uber, Birchbox and Hulu.    Prior to Ampush, Jesse started his career with short stints at both Goldman Sachs and McKinsey.   Gateway X is a holding company that builds, buys and invests in market-leading direct to consumer companies.    In this podcast, Jesse and Aaron discuss experimenting with TikTok ads, lessons from joining the Red Ventures portfolio, and the DTC companies Jesse has launched. Sign up for a Weekly Email that will Expand Your Mind.   Jesse Pujji's Challenge; Remove the bottom 5 things on your to-do list.   Connect with Jesse Pujji Linkedin Twitter Website   Links TikTok Ads Happiest Baby on the Block Jesse's Baby Sleep thread Jesse on Invest Like the Best   If you liked this interview, check out our interview with Marshall Haas about building a holding company of profitable businesses. Underwritten by Piper Creative Piper Creative makes creating podcasts, vlogs, and videos easy.    How? Click here and Learn more.   We work with Fortune 500s, medium-sized companies, and entrepreneurs.   Follow Piper as we grow YouTube Instagram Subscribe on iTunes | Stitcher | Overcast | Spotify

Luke Arrigoni started Arricor in 2012 to help large companies make sense of their data. Since then, he and the team have taught organizations like Goldman Sachs, AT&T, and Thomson Reuters about the principles of AI. His secret? Focus on the business problem and the right technology approach becomes obvious.Listen and learn...How UPS uses AI to automatically assign the right tax code for packagesWhat responsibility AI developers have for the decisions their algorithms makeHow to clean dirty data to make it ready for AI model training When to use neural nets vs. gradient-boosted treesWhich tasks are good candidates for classifier models vs. NLPWhich job skills are future-proof... and which are likely to be replaced by automation References in this episode:Fish from Mozart Data on AI and the Future of WorkAirflow for data pipeline automation

In this episode physical therapist and podcast cohost, Dr. Jenna Kantor talks about the highs, the lows, and everything in-between from the past year.  We talk about:  The effects of Covid-19 on life and the practice of physical therapy  Online bullying in the physical therapy world  Realizing the importance of friendship  The mental shifts we experienced over the past year  What we are looking forward to in 2022 And much more!    More about Dr. Jenna Kantor:  Jenna Kantor, PT, DPT, is a bubbly and energetic woman who was born and raised in Petaluma, California. She trained intensively at Petaluma City Ballet, Houston Ballet, BalletMet, Central Pennsylvania Youth Ballet, Regional Dance America Choreography Conference, and Regional Dance America. Over time, the injuries added up and she knew she would not have a lasting career in ballet. This lead her to the University of California, Irvine, where she discovered a passion for musical theatre.  Upon graduating, Jenna Kantor worked professionally in musical theatre for 15+ years then found herself ready to move onto a new chapter in her life. Jenna was teaching ballet to kids ages 4 through 17 and group fitness classes to adults. Through teaching, she discovered she had a deep interest in the human body and a desire to help others on a higher level. She was fortunate to get accepted into the DPT program at Columbia. During her education, she co-founded Fairytale Physical Therapy which brings musical theatre shows to children in hospitals, started a podcast titled Physiotherapy Performance Perspectives, was the NYPTA SSIG Advocacy Chair, was part of the NYC Conclave 2017 committee, and co-founded the NYPTA SSIG. In 2017, Jenna was the NYPTA Public Policy Student Liaison, a candidate for the APTASA Communications Chair, won the APTA PPS Business Concept Contest, and made the top 40 List for an Up and Coming Physical Therapy with UpDoc Media. ​Jenna Kantor currently holds the position of the NYPTA Social Media Committee, APTA PPS Key Contact, and NYPTA Legislative Task Force. She provides complimentary, regularly online content that advocates for the physical therapy profession. Jenna runs her own private practice, Jenna Kantor Physical Therapy, PLLC, and an online course for performing artists called Powerful Performer that will launch late 2019. To learn more, follow Jenna at:  Website: https://www.jennakantorpt.com/ Facebook Instagram Twitter Fairytale Physical Therapy   Subscribe to Healthy, Wealthy & Smart: Website:                      https://podcast.healthywealthysmart.com Apple Podcasts:          https://podcasts.apple.com/us/podcast/healthy-wealthy-smart/id532717264 Spotify:                        https://open.spotify.com/show/6ELmKwE4mSZXBB8TiQvp73 SoundCloud:               https://soundcloud.com/healthywealthysmart Stitcher:                       https://www.stitcher.com/show/healthy-wealthy-smart iHeart Radio:                https://www.iheart.com/podcast/263-healthy-wealthy-smart-27628927   Read the Full Transcript Here 00:00 Hey. Hey, Jenna, welcome back to the podcast for our annual year and Roundup, if you will. And I want to thank you for being a great addition to the podcast and for pumping out really amazing podcast episodes, you're great hosts, the energy is fantastic. And the podcast episodes are always great. So I want to thank you for that.   00:27 Oh, my God, you're so sweet. I like I was definitely not as much of a podcaster this year, I acknowledge that. But hey, listen, we've all been adjusting this year to pandemic and now pandemics still happening, but also recovery. And I'm just grateful to still be a part of this podcast in any manner to be in this interview right now. Because I really, you and I are very much on the same page regarding remaining evidence based and speaking to people that we respect in this industry, and also people that we want to see just rise and have great success. So I'm just grateful to be honestly, I am humbled to still be in the room here with you.   01:11 Thank you. That's so nice. So kind. Now, let's talk about this past year. So 2021, obviously dominated by the ups and downs of COVID, which is still going on as we speak. We're we're both in the northeast, so we're experiencing an incredibly high surge at the moment. So COVID is obviously a big story. And I think part of the COVID journey that isn't being talked about as much. But I think general public, certainly the mainstream media, are people now living with long COVID. It is just something that seems to be skimmed over. And we know that at least at least the bare minimum is 10% of people diagnosed with COVID will go on to have symptoms of long COVID. And instead of some of the studies that I have read recently, those percentages are much, much higher. So what I guess, what is your take on all of that? And what do you think we as physical therapists can do to keep this in the in the forefront of people's minds.   02:23 We discussed this before, but I think there's going to be bias within this. So I want to acknowledge that we all have our biases. That being said, I think we need to first acknowledge there was a phase where there was a part of the world that did not think COVID was real. So based on the research that is out there, and personal experience of a lot of people getting it, as well as personal friends very close personal friends working in hospitals in New York, specifically COVID is real. So I want to say that first. I'm not going to differ from that I really wish there I'm I think we're past that in the world. I think there was never a clear cut of like, Oh, I got it, I see that it's real. I was wrong. I would have liked that moment, because that hurt people in the process. But I just want to say that first. So COVID is real. Okay. Now, let's not belittle it. And I think in regards to the patient care. I think this, the reality of long COVID needs to be just as respected. Just like when you have a patient that comes in the door and says they're in pain, and you don't believe them. We need to stop that. So we need to believe them and their symptoms, and what they have and what it's from and treat it accordingly. Because if we go in the door to help out these individuals who are struggling with this, they're not going to get better. What are your thoughts?   03:59 No, I agree. I agree. And I've heard from people living with long COVID that people don't believe them even their own family members, people in who work in medicine, they don't believe them. So I think that's a huge takeaway that if as clinicians we can do one thing sit down Listen, believe because the symptoms that they're having are real. We did a couple of episodes on long COVID thing was back in August and spoke with three amazing therapists and they're all involved with long COVID physios so if anyone out there wants more information on living with long COVID I would definitely steer you to long COVID physio on Twitter and and their website as well. Because they're a wealth of knowledge. These are people living with long COVID their allies, they are researchers and I think they're putting out some amazing information that can help not just you as the clinician, but if you know someone that maybe you're not doing directly treating maybe it's a family member living with long COVID I think the more information you have, the more power you can kind of take back to yourself.   05:10 I love that. I love that. It's the biopsychosocial model. I mean to that I from working because I work specifically more with performers, the psychosocial component, my my patients, my people I call my people, my people would not be getting the results they're getting if I didn't have to deal with that, with them standing by their side, holding their hands helping them through and out of their pain. There's symptoms every day and this that goes for anything.   05:41 Yeah. And and we now know, speaking of performers that a lot of Broadway shows are being sort of cancelled, and then restarted and canceled and restarted because of COVID outbreaks within the cast. So this may be something people might think, Oh, I work with performers. I don't have to worry about long COVID Well, maybe you do.   06:01 Yeah. Yeah. And for them, it's the, from the performance that I'm in contact with on Broadway that, you know, it's I'm, I'm, I'm very connected. I've been in the musical theater industry for a very long time. So for the people who are on Broadway, the individuals I spoken to, they're doing okay, which I'm really, really grateful for. It is a requirement for the performers to be triple vaccinated, and now they're getting triple vaccinated. I know one performer on Broadway, who was about to get her booster shot, and then ended up getting COVID, which was quite unfortunate. She's doing okay, though. Grateful, no signs of long COVID Right now, but for the performers, you're talking about dance, there's endurance and breathing that is necessary. If the singers even if they're, they're not dancing, they still dance, they're still asked to do things, they still have out of breath, emotional moments, were breathing is challenged. So I'm just bringing up one component with long COVID. But that's, that's a big standout for performers specifically, that need, it needs to be kept out for them. I remember one time during, oh, goodness, during 2020. And it was the latter portion of the year. And I was doing virtual readings with performers. That's how I was staying connected with my my friends and people in the industry. And it was our way of being creative. In the meantime, while we're waiting for things to open back up. And one individual is she what I just cast her to read as the lead in the show, and she was so good. It was my first time hearing her perform first time meeting her. She was Outstanding, outstanding. And at the end of it, we were going around checking in with each other how we were doing and she started to cry and opened up about losses and her family due to COVID. And that she didn't think she would be able to sing like that again, because she had been dealing with her breathing problems for so long. And so then we all get emotional with her. I'm getting emotional just thinking about it. So yeah, it's it's a it's a real thing. We didn't have the vaccination then. So I'm interested to see statistically where we are at with long COVID with having the antibodies in our systems. Obviously, everybody is different, but I'm hoping that there's less of it because of the vaccine.   08:25 Yeah, time will tell right? Yeah, we have we need those data points. So aside from obviously COVID being, I think the biggest story of the year, certainly within healthcare and even within our field of physical therapy. What else have you seen over 2021? Or maybe it was in an interview you did or a paper you read that really stuck out for you as as a big part of the year you know, it made it's made it it made its mark for you.   08:58 Oh, I'm going to focus just on the PT community. And I want to emphasize with community I see our community at really, we've always butted heads there's always things that we butted heads on. But I'll just give the instance that really made me go whoa, I was in a room with a bunch of intelligent wonderful human beings and discussing something I said a term that I thought was really common especially because in the musical theatre industry. We are fighting for dei diversity, equity inclusion all the time. Like if this is a topic of conversation all the time. It is a huge thing in regards to casting what is visually out there the most at like the highest level and, and bipoc the phrase bipoc was unrecognized by a good portion of physical therapists in this room and I was disappointed Did I was it said so much it doesn't. It's not saying that a person is evil for not knowing no. And that is not my point. But it is a problem that it's not being discussed to the level where these common extremely common thing phrases are not just known. That just says a lot to me, because it's in regards to people getting in the door access and being reached, in lesser, lesser affluent areas, that to me, it shows that it's not being discussed, it's not being addressed. If it was, then bipoc would be, and this is just one instance. But I thought that was very eye opening. Because it's just like saying, I'm going to eat today, someone saying, I'm not going what you're not eating, I don't know. And that was a bad example. But just something that is or you wake up you breathe, that is how known the phrase bipoc. Same thing with LGBTQIA. Plus, in my community, like, for me to go into another room and for things to need to be defined. I know we all have different worlds. But I think as physical therapists, there, there's a disconnect, unfortunately, depending on wherever we are from, and we need to fix that. Because I can't live everywhere. I can't treat everyone in the world, I can't treat all the performers in the world, I don't want to I like having my niche practice and treating select individuals, and boom, my people do very well. And if it gets to a point that it starts to grow, I'm going to be passing them along because I don't want I don't want that I don't want it to be huge like that. And with that in mind, I need more people who know and therefore are our allies. To me, it's a lack of ally ship, of just not knowing the basic language. And I and I apologize to anyone who's listening on my intention is not to sound like a white savior at all. It's not. But with my limited knowledge at this point, I'm already seeing something that is really, really lacking amongst each other and we need to fix it. I don't know if it's books or I don't know, I don't I don't know the answer to that. But I'm just addressing that was that was the biggest standout thing for me this year.   12:27 And it for those of you who maybe are not familiar with the American Physical Therapy Association, they have what's called House of Delegates. So they had a meeting in September of this year during the APTA centennial celebration. And in that they did pass a resolution that the APTA would be an anti racist organization. Now, were you in the room when that passed? Jenna?   12:54 No, I was not in the room, I was actually there at the House of Delegates a bit discouraged this year, I know. i The fact that they were able to figure out any manner to put it on is is a feat to be had after 2020 20. However, the in person when you go and if you are not a delegate, which I was not this year, you can usually sit in the room, and just be in the back and listen, because the because of the space that they got in the way it was set up, there were chairs in the back of the room, but there weren't that many and it filled up. So they already preemptively set up another room where you could watch what was happening on a TV, which did not sit well with me. Because I could have stayed home instead of flying in for that. So I was definitely not in the room. I definitely was less present this year. Because of that I was I was bitter, I was bitter. I was bitter. I felt like I I already know you it's through elected and know who you know, to become a delegate, but I really felt disrespected and unimportant. Being in a separate room, watching from a TV rather than actually getting to be in the room because there are ways that they hold the meeting where you can stand up to say a point of order to speak on some points from the from the back of the room. And I just wasn't even going to wait to see how they figured that out. I just felt like not a not an important voice. So I wasn't present for that. But I do know about that. I think it's wonderful to get that on the docket. But the same thing when we voted in dei unanimously. How?   14:41 What comes next? You mean? Yeah, well, yeah.   14:45 What is the game plan? Because for me, I can say a sentence like that. But then what are the actual actions and that's where it's like, is that going to happen? Two years down the road three years. What are we at what are we actually doing? What are the measuring points and take action? and not meetings on it, not being hesitant on making mistakes. Let's make mistakes. Let's just go for it. That's the only way we're gonna learn. There's no such thing as a graceful change, no matter how hard you try,   15:11 right? Yeah, yeah, I agree. I think like you said, what comes next is? Well, I guess we'll have to wait and see what are the action steps they're going to take in order to create that and, and live up to the, the words of being an anti racist organization? Because it was passed overwhelmingly.   15:32 Right? And then I'm sure they applauded for it, you know, like, this is great. But to me, I think it's, I it's just like, okay, you know, like, what, but now what? Because from DJI and the I heard that they're trying in the battle in this behind the scenes, trying to move forward, but I have not seen action there. And maybe I'm missing something, you know, feel free to call me out Call me whatever. Like, I'm, I would love to be wrong.   16:07 Yeah, these big organizations are slow ships to steer. That's not any excuse whatsoever. But I understand there's a lot of layers that one has to go through to make things happen. As you know, you've been volunteering for the APTA for a long time. So you understand that, but I think a lot of people who don't don't, so that's why I just wanted to kind of bring that up and saying, like, yeah, it takes it takes a long effing time to get stuff done, you know?   16:33 Yeah. And I mean, you can hear it, I'm frustrated by I'm not, I'm not happy about it. And but it's, it's because of my friends, the conversations I have, and I, I'm, I'm lucky, I'm a sis white, stereotypical female. So like, the way the world has been made, and the way it caters to humans. It fits me, but it doesn't fit everyone and I'd like I can't imagine what it would be like to just be left out of a lot of things in everyday life. I think that's horrible.   17:05 Yeah, agreed. What else? What else do you think was a big something that you saw within the profession? Or even trends in health and fitness that might have really changed over this past year? For better or for worse? I can think of one I think and this is just my opinion that the the communication via social media has gotten a little too aggressive. Is that a nice way of saying it? Like I don't understand it, I don't get it. I took like a little break because I was Oh, can't say I was bullied because I feel like bullying. It's that sort of like you know someone is having like a sustained go at you. So I don't know   18:01 it's bullying is bullying. Yeah, bullying is bullying. That's the thing is that we have a lot of bullying that happens but then they gaslight you about their bullying. It's like Whoa, it's next. It's almost like a strategy. Like they're playing a game of Monopoly, and they have down how to win. Like, yeah, people barely there is a lot of bullying.   18:20 Yeah, a lot of bullying. A lot of threatening, like, I get like threatening DMS or people threatening me, you know, on their Instagram stories or whatever. For I can't imagine I look back at that interactions. And I'm like, I don't get it.   18:38 Yeah, I don't get it. Yeah.   18:41 So I and my first reaction was to like, when people will do this and be so aggressive as to send like a Taylor Swift GIF. Of her song, you need to calm down. And then I have to take a step back and be like, that's not gonna help the situation any. Right, right. Right. Don't do it. I just sort of back off. But I think because of that, bullying or threatening behavior, I've   19:05 really like I'll say it bullying continue. I've,   19:09 I've just like, for the past couple of months, I've really taken a backseat to any kind of social media just to like, give myself like a mental health break, you know, like meeting I don't comment on things. I might post some things here and there, but I don't really make any comments, unless it's to. And that's mainly and I'm going to say this because from what I can tell it's true, is it happens to be men in the profession who are a little more aggressive than the women, like women can seem to have a bit of a nicer conversation around whether it's a question or, you know, something, but when a lot of the men it's just become so like ego driven, that there's no resolution, and it's just mean. Mm hmm. And so I was like I need to take a break. So I saw a lot more of that this year. I don't know if it's because of lockdowns and because of a heightened sense of what's the word? Stress to begin with? And then yeah, or something else on top of it? I don't know. But I, I saw that this year, definitely for the worse, because I just think, gosh, if people outside the profession are looking in and watching these exchanges, what are they thinking?   20:28 Yeah, yeah, I've definitely seen it in sis males specifically.   20:33 Yeah, yeah.   20:34 I'm not it honestly. doesn't it's not a specific color of skin. But specifically sis males.   20:43 Yeah, I would I would agree with that. Yeah.   20:46 I have. I have experienced a little not not to the level, but I've definitely experienced that. And it's for 2021. And it's not okay. No, it's not okay. However, I ever look at it as a blessing. And this is where I get I love looking at it like this. Yes, please, please, thank you. Thank you for identifying that you have no space in my room, my shelf my space at all. I will not take advice from you in the future. And I will not heed any, any value to what you have to say, because of your willingness to chop me down. Thank you for identifying yourself. I'm now in the debate of blocking you from my mental health. And that's it. And that includes in person. That's it. That's it. And I really don't look as blocking as like, wow, for me, I'm going like, No, I don't want to know you. I don't want to know you. And my life is so much better because of it when I was at the PPS conference, because of just going No to the to the people I don't want to know and just saying like, just straight up like I like I don't need you, I don't need you. I want to be a service to people who need physical therapy period. So people are going to just, you know, find ways of you know, and spend their time writing some angry thing. Have that that's on them that's on them. Like I'm like, like, and if it and honestly I will likely block you.   22:18 I love that I love like you're you're it's not just that you're blocking the person. You're blocking the energy blocking the energy they're bringing into you and draining you down. So then you're not at your best well, or with your friends or loved ones patients, even with yourself. Yeah, you know, if you have to ruminate on these people. I love that. Yeah, it's not it's not just blocking you from social media, it's blocking the energy that you the the bad vibes, if you will, that you're Brown. And that affects you that affects your mental health that affects you emotionally. And it can carry through to a lot of other parts of your life and who needs that? Yeah,   22:59 and, and for anybody who's trying to saying like, I can a bully did it or like it. Okay, let's, let's look at it this way, when you're messaging an individual something, first of all, we all know this. When you write in text, everybody's going to interpret it with different tone. So as soon as you write in text, we all know this, and we're taking advantage of that fact. So that way, you can later go, oh, I said it in a nice tone, Bs when you're typing it, it can be in whatever freakin tone and you know what you're doing. Also, when you're not talking to a person, the only time you show up is to say something negative. Yeah, that's you're not your voice is not important. And you know, your voice isn't important.   23:39 It's so true. What I've actually seen is a lot of these, these kinds of people, they're not getting the attention they used to get. Mm hmm. Do you know cuz I think more people are of the mindset of like, I don't need this anymore. Like this was maybe this was funny. Maybe this was cute a couple years ago. Ah, not anymore.   24:01 And also I love I don't like having down moments, but we all have our down moments in our career and in our life. But I what I do love about the down moments in the career in life, the people who are around at that time, those are your friends, those are the people you want to know. So I love my moments in the PT world. When I'm in a down moment because the people who want to talk to me then those are the people I want to know. Whereas when I'm you know, can candidate for the private practice section, you know, which is awesome. And then people want to actually talk to me then. Oh, wait, I'm gonna wait and see when you know, I'm not that. Am I still someone you want to speak to? That is those are the people I want to invest time in. Those are the people I want to invest time in. I want to see you you do well and vice versa. I want to be able to get to know you as a human more and more and more. I just want the children Relationships, it doesn't mean I'm going to have time or you know, we're gonna have time to talk every day. But I want those true relationships. So for me, those downtimes, when I might not look the most graceful, I might be messing up or maybe not messing up. Maybe I'm actually making a change here speaking on something or getting people to think differently ever thought of that, you know? Awesome. Like, are you gonna be here to chop me down? Or just be here to have a conversation and having a conversation? Set up a phone call? If you really care? Like if you really could you don't? People don't care that Oh, reaching out, they don't care about you cannot be when they're reaching out to give feedback. Let's have a comfort. No, they just want to get into an attack mode. No, we No, no, don't try to decorate it. We know that's what's happening. And yeah, that were to town. There's enough going on.   25:52 Yeah, there's enough going on. And you know, this conversation really made me reflect on the past year, and I think what's been a good thing has been the deepening of good relationships. So like, nobody has time for that other, like bad stuff anymore. Like there's enough bad stuff happening. I don't have time for that. But what you do have time for is the relationships that are two sided, you know, a nice bilateral relationship that you're willing to invest in, and allow that relationship to come deeper and grow. And I feel like, you know, and like, you don't have to be friends with 1000 people, you know, you can be friends with a handful you can be friends with one person. And if that person, it's it's real and deep and meaningful, then isn't that wonderful? And I think years ago, I used to think, oh, the more   26:46 people you know, the better. Me too. Me too.   26:49 And now I think because of the upheaval of the last couple of years now, I'm really finding like, you know, I need like couple of good people that I can count on to have my back to, like you said, lift you up when you need to, and maybe to like, give you the honest truth when you need it as well. Right? Exactly. So I've been really, really happy that over the past year, I've made some really nice deeper connections with people than the physical therapy World Sports Medicine world. And I'm really, really happy about that. So I think that's been a real positive for me,   27:26 I totally agree with you, I mean, that our relationship is naturally growing over time, which I appreciate and, and I really do I completely on the same page completely on the same page. And and for me, when I go to conferences, like I'm really isolating more and more, who are the two are the people that like I must spend time with? And and then if other people want to join sure, you know, absolutely. But I I'm not overwhelming myself, oh, I need to be friends with that. No, I don't need to. And you know what, like, that became very apparent when I seen people speak, even at PPS, where the goodness, they were showing slideshows with their friends, and it was like, literally all people who are elected in the higher positions are all best friends with each other. It is it's true, you can't deny it. If you're up there. If you're one of those people. It's true. And you know what, I look at it like this, my friends may go up there to that, mate. That's not why I'm friends with you, though, you know, in friendship through because I like you as a person. So I'm gonna let that lay and not even explain and go into more depth and let people interpret that how they want and the right people will stay in   28:44 my life. Exactly. So what are they? What are they? Let's, let's sort of wrap this up on a positive note. What are their positive things came to you this year, whether it be professionally, personally,   28:59 oh, I think being more comfortable in my skin at conferences. So I had the I mean, absolute honor. Like I was really overwhelmed with happiness at the private practice conference this year. It was just so cool to be nominated. And I felt so much more comfortable in my own skin going up there. I you know, there there are a couple naysayers not realizing there'll be naysayers that, you know that I had to deal with but going up and it was a small moment. But we had you have this rehearsal. I don't know if it's done the same way. For the nominees where they go, you practice when your name is called going behind the podium and then walking down the stairs so you know what to do when you're asked to go out there and give your speech. And I went out there and I did a great vine to my spot. And I mean, I was so happy I did that because I was feeling it and that's what I would do. I did a great fine. And I know that silly, nobody else paid attention to me honestly probably knew that I was doing it. And some were probably like, Oh, but I didn't care. I was like I am on this freakin stage right now, this is the coolest thing. And to be at that place of like more self acceptance, because I know I don't have the stereotypical personality and energy, you know, that that is normally accepted amongst the vast community. So to be more me in that moment, I felt very proud. I felt very proud of myself. And that was really cool. I'm really, really happy about that. And then I like Dan, you know, sat down and ate some more bacon, it was great.   30:46 Well, and you know, being comfortable in your own skin that then comes across to the people who are in front of you. So when the speech actually came about, I'm sure people picked up on that picked up on the fact that you're now more comfortable in your skin that you're more comfortable, perhaps as a physical therapist, and because you found you're not that you've, you've already had this niche, but you sort of found your niche. You know, what, you what you're in the physical therapy world to do. Does that make sense? Yeah, yeah. Yeah.   31:19 Absolutely. Absolutely. And I got a little bit picked on for being too perfect with my speech and everything. And I was like, I you know, in reflection on that, I was like, they just haven't fully accepted my energy. That's okay. Don't get there. Okay. That's it. Don't get there. I'm like, I'm a performer. So it's gonna happen. You know, do you want to join a British company dialect? That's,   31:47 that's a weird comment. That's a weird criticism. Yeah, but yeah, you know,   31:53 but I felt I felt I felt like I had to reflect to go No, I actually felt really good, because I've definitely put it on before. No, I practiced it to be to deliver it. Me as me. And now it's so fun. So fun. Oh, my God. Yeah, I was just that that was a big, positive. Awesome, awesome feeling. I work with so many people who are in the PT industry, who want to be dance physical therapist or physical therapist assistants and imposter syndrome is super real. And so I like that I'm practicing what I preach and self love. And and it's awesome. How are you doing all that this year?   32:36 I'm better. I mean, imposter syndrome, I think, for me is always there, like always kind of underlying the surface, if you will. But I think that's pretty normal. You know, the more and more I listen, or I read about, like, these famous people who are up on stages and in movies, and you know, people who think oh, they have no, they must be like, amazing. And no, they it's the same thing. So I think for me, accepting that it's normal has actually helped decrease it a little bit. Instead of feeling like, oh, boy, everyone else here is like, amazing. And I'm like the loser trying to keep up. And then I think, no, that's pretty normal, because I think everyone else feels that way as well. Yes. And then once once I was able to accept that it makes going up on stage, like, I don't get as nervous as I used to, and it's been. It's been much, much better for me even speaking. Like I was joking, I could say I now I shared the stage with FLOTUS, because at the future physical therapy summit, I spoke for literally a minute and 45 seconds as a spokesperson for the brand Waterpik. So Waterpik has these wonderful showerheads. And they sponsored the future physical therapy Summit in Washington, DC back in September. And so the sponsors got to go up and say a little something. So you have literally less than two minutes, and I had to get all their talking points in. But I also like, decided to make it funny. So I was just saying things off the cuff. And afterwards, everyone's like, that was a great bit. I love that bit about your parents. I'm like, I didn't think of it as a bit. But okay. But then the good news was afterwards, people came up to the table, the Waterpik table, you know, in the, in the hall area, and like the one guy was like, I wasn't gonna come up, but then after that talk, I had to come up and see what you guys are all about. I needed to find out what you were doing and hey, can you do this? And so, for me, I felt as nervous as I was to go up and speak be mainly because it wasn't about me, it was about Waterpik. So I wanted to do them proud, you know, and afterwards, they got so much great feedback and possible partnerships selling through clinics with 700 locations? And can we do a study with Waterpik? On wound care? Can we do a study with Waterpik on people living with CRPS and using these, like, and that's exactly what they were looking for. So that made me feel like much better and gave me a little bit more confidence. And it was also fun to be able to do such things kind of off the cuff. You know,   35:25 that's so cool. Yeah, I love that. You should definitely be proud. That's so cool.   35:29 So that was really fun. And then the next speaker, it was it. The next speaker a two speakers after me was the First Lady of the United States Dr. Joe Biden. So yeah, there you go. No big deal. No big deal. Yeah. FLOTUS. So that was really fun. And was that yeah, for me, I think that was a big highlight of of the year for me, I guess professionally, which was really cool. is cool. That is so cool. It was it was cool. Anything else that for you? Did we miss anything that you wanted to get in?   36:02 Yes. For the Yes, yes. Yes. Okay. I now live in Pittsburgh and and was visiting New York had a great time. I got to see Karen at one of my favorite salad places, although I didn't get my normal favorite salad, which now I'm in regret until I go back again, to get my favorite salad from Sweet greens. It's the kale salad. It's so good. Caesar kale salad. I highly recommend it if you're going and you want to save some money because I love to be cheap in New York. Okay. said that. Now I'm not sponsored by sweet green. I just love sweet green. Okay,   36:31 I know we're dropping. We're dropping a lot of like,   36:33 I know. Like suede. And also get Levine's cookies. Okay, yeah. When you go, I never have gone to the tourist areas. I avoid it. But I spent a lot of time in Times Square because I was going to see Broadway shows. And it's also one of the few Disney Stores that still is open. So I had to go in there. I got a wreath I didn't need but I needed you know, and Okay. Rockefeller Center. So I go there to meet Stephanie. Why rock as you and I didn't have enough time with your Stephanie. But while we were waiting, there's a whole show of lights. A GG know that you knew this that like it's with music and everything like Disney. I had no idea. What's the store that darkness said yes Avenue, Saks Fifth Avenue. And it's like castle and lighting. It was I was just joking. If you don't know, I love Disney. I love Disney so much. And this was a Disney experience. And I just we weren't waiting in the cold. I'm like, all bitter. You know, I just I'm not happy in the cold. So I'm like, and then the light show on Japan?   37:45 Yeah, it's spectacular. It was   37:47 so great. I had no idea and it goes up like every few minutes. It's quite regular. So if you like oh, we miss it. You're fine. Just wait a few minutes. It'll start again. i Oh, go see it. Go see it. Don't stand in Time Square for New Year's. But go see that that was such a wonderful, positive, beautiful moment. And, and just great. It was great. Also, there are a lot of great photographers in New York. So if you're visiting New York, and you want to get stuff for social media, that is the spot to get it. There are so many talented photographers you can get reasonable prices and and build your social media real fast. All right, that's it.   38:26 Perfect. Well, before we wrap up the year, where can people find you if they want more information about you in any of your programs? And also let us know what you have coming up in 2022?   38:38 Okay, well, most immediately, you're going to find me at Disney Land in February this year in 2022. Because I'm going to be there my birthday. If you go there on the 16th of February. Just let me know. And we'll like meet up with you. But no, I'm going to be eating junk food all day. So if you're expecting me to be held a healthy influence, I will not be alright. For me, I'm going to be continuing with my private practice, working with performers and continuing with helping people live their lives as dance PTS helping you on the business and treatment side with my dance PT program. But most importantly, because I'm always like I'm a performer and physical therapist. I'm doing all this work right now. I am getting back into performing which I'm really happy about so I'll be submitting a lot more which I'm just super stoked. I feel like all my work stuff is is being is much more easier to handle now I've got it down. And the systems are in place if you will get to audition more than I'll be a movie star just like that because it's so easy. It'll be great, but I'm really excited about that. What about you Karen?   39:55 Oh, that's exciting. Gosh, I'm not gonna be a movie star. Anything So what do I have coming up? Let's see, um, this past year I finished the Goldman Sachs 10,000 small business program, highly recommend anyone to apply to because it's really amazing. How many more plugs can we drop in this episode? And so I'm going to this year, I'm looking to hire another PT for my practice, right? Mm hmm. Which is very fun. Exactly, it grows, but   40:31 you're like, I'm not going to take all the patients. It's gross,   40:34 but time to bring on someone else. Right. And then continuing to work with just a couple of people. With business coaching, I like take four people at a time for me that I get it handle, it's good enough for me, I'm happy to do it. So that will open back up again. Maybe end of January of 2022. Because like you said, when you know what you can handle and you know that you can help the people who want to be helped, then it becomes so much easier. So now I feel like I've got this under control. I know how to split up my time and manage my time. And so I'm really looking forward to that in 2022 and we'll see what happens.   41:24 I love that. That's awesome. Yeah. Yeah, are so cool. I love what you do.   41:30 Where can people find you? Oh,   41:33 yeah, so I have the dance physical therapists Facebook group. So that's one specifically for PT so you will find me in their active conversations once talking about performing arts research all that stuff. You can find me at CSM Oh yeah, social media, dance physical therapists on Instagram. I am also musical theater doc on there. But I really associate people more regarding musical theater, not other pts. So dance physical therapist, is that and then on Facebook, Jenna cantor. And yeah, pretty much Jenna Cantor from Twitter and Jenna cantor. Yeah, your website. Jenna cancer, PT, calm.   42:18 Perfect. Perfect. Excellent. Well, Jenna, thank you so much for coming on and wrapping up 2022. And for all of your help and friendship throughout the year. I really appreciate it. And appreciate so   42:31 much. I have to just say that joke that keeps coming to my head every time you keep saying wrapping up. I feel like I should be wrapping a present. I just it's a stupid joke. But I just need to put that in there. Thank you. I said it.   42:43 Tis the season when in Rome, right? Yes. All right. Well, thank you again, so much. And everyone. Thank you so much. On behalf of myself and Jenna, for listening to the podcast all year and for supporting it. And you know if anyone has any suggestions on anyone they'd like either one of us to interview please let us know. You can find us on social media. I'm on Twitter at Karen Litzy. NYC and Instagram at Karen Litzy. You can email me Karen at Karen Litzy. Calm it couldn't be any easier. Or you can find me at Karen Litzy calm. We're super easy over here. So let us let us know if there's any topics or people that you're like man, I really want to hear from this person. We'll be more than happy to see if we can get it done. So thanks again. Everyone have a very, very happy new year and a healthy 2022 And of course stay healthy, wealthy and smart.

Joseph Wilkins joins us on the Steve Jobs inspired Join Up Dots podcast today. He is the Founder of Funny Sales Videos.com and Host of the podcast How to Make a Video Go Viral. Back in 2000,  Joseph founded ProCreative Studios, an agency that produced infomercials, TV commercials and web sales videos. Joseph directed thousands of videos for clients including Google, Linkedin, McDonalds, Goldman Sachs, Chevrolet & Home Depot. As viewing habits shifted away from TV, Joseph launched FunnySalesVideos.com where his team now creates attention-grabbing “viral style” sales videos that entertain viewers into action. With two decades experience, hundreds of millions of broadcast and online views and over $50 MILLION in tracked sales attributed to his content… Joseph clearly knows the secret to Funny Sales Videos .  

--On the Show: --Producer Pat Ford fills in for David --An analysis by Goldman Sachs finds that Joe Manchin tanking the Build Back Better Act will cost the US economy $60 billion in the first three quarters of 2022 --Bernie Sanders offers to pay for a poll in West Virginia asking residents what they think about provisions in the Build Back Better Act --The Squad was right not to trust Joe Manchin would vote for the Democratic spending plan --COVID cases surge in the United States due to the Omicron variant, leading to new mandates and cancelations --The Omicron variant was less severe in South Africa but Americans may not be as lucky --A recent poll finds that the majority of Americans don't want Donald Trump to run for president again and the same is true for Joe Biden --There are eight major reasons for why the labor shortage continues in the United States --Steve Bannon supports Fox News host Jesse Watters over his threatening comments about Dr. Anthony Fauci and says to Fauci, "we're getting you" --Mark Meadows, Trump's former Chief of Staff, may get charged for no longer complying with the January 6th committee --On the Bonus Show: Pat has a COVID scare, Kim Potter found guilty in Daunte Wright shooting, Trump declares victory in the war on Christmas, and much more...

Tom Wright (@tomwrightasia) is an award-winning journalist, co-author of the New York Times bestseller Billion Dollar Whale: The Man Who Fooled Wall Street, Hollywood, and the World, co-founder of journalism studio and production company Project Brazen, and host of the Fat Leonard podcast. What We Discuss with Tom Wright: A deep dive into the shadowy world of corruption, money laundering, and embezzling by the shadiest shysters among the elite. How does an investigative journalist uncover misdeeds by the rich and powerful without winding up on someone's hit list? How did Jho Low, a charisma-free, second-generation fraudster, siphon billions of dollars from a Malaysian sovereign wealth fund -- with the aid of Goldman Sachs -- right under the nose of global financial industry watchdogs? How many ways are there to launder this kind of money without being detected by the authorities? Where is Jho Low today? And much more... Full show notes and resources can be found here: jordanharbinger.com/602 Sign up for Six-Minute Networking -- our free networking and relationship development mini course -- at jordanharbinger.com/course! Miss the show we did with Shark Tank heavyweight Mark Cuban? Catch up with episode 362: Mark Cuban | Tales from the Shark Side here! Like this show? Please leave us a review here -- even one sentence helps! Consider including your Twitter handle so we can thank you personally!