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Hey Everybody. Welcome! To Episode 80 of the metal detecting show podcast. My Name is Ciaran and I have been Metal Detecting for nearly 30 Years. This week I can't wait to talk to your wife's, your partners or your best friends about what they can do for you this Christmas before we start I want to thank you for listening to the podcast and I hope you enjoy the episode this week  If you want to support the show there are many options available from the links in the episode notes below and if you want to interact with me and the show that information is there too but most importantly If you like this content please don't hesitate to tell your friends and don't forget to hit that subscribe button.Top 5 Gifts 20215. Desktop Charger ANKER4. Andres Pencils.  3. Mechanix Gloves2. Magnet Fishing Magnet.1. The Trusty Pin Pointer. Buy From KellyCoDetectors.com Helps the Show Stay alive: Support the show (https://www.buymeacoffee.com/metaldetecting)

Have you ever experienced a season of uncomfortable cutbacks or changes? Sometimes pieces of our lives wither and must be released. In other situations, we might bear too much weight or volume in our schedules and commitments.  Whether lifeless or overgrown, we need to prune away that which prevents our spiritual fruitfulness.  Today's guest, Sarah Philpott, shares the spiritual growth principles of pruning. Her farm life perspective lends fantastic insights to our discussion of how and when to let go. Sarah shares how to choose when to allow our soul's fields to lie fallow and rest or when to prune our excess.  She relates our struggles with clutching onto painful dead branches through her personal trials with pregnancy loss. Sarah also shares how some heavy vines in our lives might appear healthy, but could instead sabotage our ability to bear fruit. Connect with Sarah Philpott at http://allamericanmom.net/, https://www.facebook.com/SarahPhilpottWRITES or https://www.instagram.com/sarahlphilpott/ For the latest updates and bonus content, visit https://tinayeager.com and subscribe! If you are struggling with stress or anxiety in your life, take this opportunity to get your breakthrough in ten minutes a day. Fifteen experts bring you a wealth of insights and practical steps to overcome stress and anxiety in the ten-week course, Subdue Stress and Anxiety. Please subscribe and review Flourish-Meant on Podchaser! And if you enjoyed this podcast, get more inspiration and encouragement at Spark Media Network!  

Good to see you here again! If you listen to our last episode about IRR, this new episode will teach you about CAPM which can help you with finance, business, and investment. If you haven't heard our last episode title “What is IRR?” Check it out, because there's a lot of lessons that you can learn in that episode. In this episode, you will… Listen about what is CAPM? Learn about CAPM Formula Why should we use CAPM? What is it for? How can we apply it in Real states? Helps you determine about good investments or not? Learn about market risk Resources Mentioned In This Episode: Empath IQ Investopedia.com Wikipedia.com Transcript Hello, my friends and welcome back to another episode of the freedom formula for physicians podcast, a podcast dedicated to helping doctors like you slash your debt, slash your taxes, and live a liberated lifestyle. Well, today we are continuing this series of trying to teach you kind of the basic finance of understanding terms that I learned in business school that maybe you are not familiar with. And certainly if you've taken business classes in finance, specifically, you have heard of some of these concepts. But if you haven't, perhaps you have not heard some of these concepts.  So today, we are going to ask the question, what is CAPM, C-A-P-M, it's the capital asset pricing model. Capital asset pricing model is basically trying to assess risk versus reward. And you can use CAPM for paper assets, you can use cap them for real estate, you know, there's all kinds of ways that you can measure it, CAPM is a very specific formula. So very specific formula. But it's pretty easy to understand this is not complicated.  Here's the formula, the risk-free rate plus beta, we'll talk about beta here in a moment. And we're multiplying beta times the expected rate of return minus the risk-free rate. So imagine, the right side of the equation is beta times expected rate of return minus risk-free rate, the left side of the equation being just risk-free rate. So we have to add up and multiply that right side of the equation before we can add the risk-free rate to it. So I hope that makes sense to you.  Investopedia has great information, I'm sure Wikipedia and all kinds of other places do too. So what is behind, this formula, what was behind the CAPM, and why we want to use it is because we want to evaluate the reasonableness of future expectations as to whether or not an investment might be a good one. We have this whole thing we grapple with, with so many different investment possibilities, we have to weigh the risk and reward of each one of them. And so there's this whole idea that markets are efficient. How can I explain that essentially, things are priced accurately. So that's one of the assumptions behind capital asset pricing model, that as you're taking more risk, that you should expect a higher and higher rate of return as your risk increases.  So in this formula, where we have the risk-free rate, plus beta times your expected rate of return minus the risk-free rate, let's break down each one of these components. And that's equal to CAPM, which is the expected return of the investment. So the risk-free rate, most people will measure the risk-free rate as being something that is extremely low on the risk scale. So for example, if you have a savings account or a money market account or something, something like that, you know, on a scale of one to 10, that's a one, you know, very, very, very low risk there. There's government insurance behind some of that stuff. So you could use a savings account or a money market rate or something like that as a risk-free rate of return.  A lot of people will generally look at treasury bonds as an example, as being a benchmark of a risk-free rate. So something that may That'd be the United States government might be another country that man, they have a sterling reputation, great cash flows, we know that they're going to pay, therefore it's risk-free, a risk-free rate. So typically, people might plug in 2% or 3%, somewhere in that range based on maybe a 10 year Treasury, or something like that as a benchmark. So let's use 3% as an example. But you could use 2%. Because 1%, we can argue what that risk-free rate of return should be. So that's the first thing we add on the left side of the equation. Now we're going to use that same number on the right side of the equation for the risk-free rate as well, because we're going to subtract that, from our expected rate of return for an investment. The next number that we should probably talk about is the expected rate of return. And this is where there's, there's a lot of conjecture, and it can be hard to measure this because now you got to plug in an assumption. First, we assumed the risk-free rate. Now we got to plug in an assumption of what that expected rate of return might be.  So let's say, for real estate, for example, that we feel that 6% is a good solid historical rate of return, this investment might do better, I might do worse, but we feel an average this kind of investment might be a 6% rate of return. So now, let's use 6% minus the 3%. That gives us three, right? On the right side of the equation. Well, now we have the multiply that times the beta, what is beta is how does this potential investment measure up to how much risk this particular investment will compare to a larger portfolio of them like the whole market. So if we buy a million-dollar house, compared to a $200,000, starter home, there is a lot more risk in that million-dollar home compared to the average value, let's say is $200,000 and most houses, so your beta might be a two, twice as much risk versus the general market. So if we take that two, now that risk that we're taking, we're measuring the amount of risk that we're taking two times that difference, 6% minus 3%, that gives us 6%. Again, right, six minus three is equal to three, three times two, our beta gives us six. And now we have to add that to our risk-free rate 6% plus 3%, gives us nine 9%. Being the overall expected rate of return on this investment, which actually, I'm sorry, the expected rate of return in that formula is the expected rate of return for the market in general. So if the market is six for let's just say houses, then we subtract the three. And that gives us 3% is the expected return on the market now we're multiplying times beta for this specific investment. So the 9% total expected rate of return for the investment is like you're getting another 3% on top of the market at six. So it's telling us the expected rate of return for investment relative to the market relative to the risk-free rate. So essentially, as we compare for an efficient market, we should expect the more risk you're taking that beta number, the higher your rate of return, the lower the risk, the closer to the risk-free rate you get the lower your rate of return is going to be and again this is all assuming an efficient market well we all know sometimes things go crazy sometimes or not in an efficient And market at all, you know, you can take a look at March of last year during the pandemic. And in certain assets got creamed. Every asset got creamed for a brief time period doesn't matter what it was a paper asset, or real estate, or whatever, things got creamed for a short period of time.  So there's a lot to absorb here. A lot of assumptions that we make in terms of what they are. And ultimately, you know, what, what this should help you with is determining whether or not it's worth the risk to invest in an asset.  Last week, we talked about the internal rate of return, which is another way of measuring it, CAPM is helping us analyze, what's the market at what is the risk of this investment relative to other ones cuz remember, IRR wasn't telling us relative risk, CAPM now we bring that in. Now we can talk about relative risk on top of an IRR. So we can look at those things together. And we can run multiple scenarios in IRR. Look at CAPM could look at multiple scenarios and CAPM to determine does this looks like a good investment or not? So that's ultimately what we're trying to do, as we look at different degrees of risk different kinds of investments, and trying to figure out what is this all about.  So that basically is a very quick primer, my friends on this concept. I hope now if you ever hear it, you know you can talk about it somewhat intelligently. I made a mistake when I talked about the initially I forgot to mention that it was the market risk of that category, not that specific investment. So I make mistakes to myself, as I get passionate and talking about this. There's remember this term CAPM as a way of measuring risk relative to the risk-free rate relative to that same category of investments. And remember, all of this is based on assumptions and what your assumptions aren't. So the main lesson I can tell you from practical experience is using a variety of assumptions is the right way to go. And so my friends that wraps up another episode for today, I would love to hear from you on what are other finance topics. And as I look forward to the rest of this season, at season seven coming next year, I would love to know from you what are topics that we should tackle What are basic finance terms that you're like, what the heck is that? And what does that mean? I would love to hear from you to have a good idea of how I can better serve you in these podcast episodes. As you know doctors mean so much to me and my family want to do my part to contribute back to you guys and helping you understand everything here for the freedom formula for physicians podcast.  This is Dave Denniston, thank you again so much for listening, my friends, wish you and yours all the best. And remember, to slash your debt, slash your taxes and live a liberated lifestyle.   For all the show notes, and more, check out the podcast website at www.doctorfreedompodcast.com

273: Turning Your Passion Into A YouTube Channel With Josh From Bayou Josh This week we are joined by Joshua Brown from the Bayou Josh Youtube channel. He talks about his passion for bird photography, his YouTube story, and the importance of loving what you do when creating content. About Josh: Josh is originally from Louisiana and recently moved with his family to Boise Idaho. Josh has been an avid bird photographer for nearly a decade. He travels the northwest in search of beautiful moments. He has been on YouTube for about 7 months and has quickly become obsessed with capturing the beautiful moments he experiences in nature. Go here if you want to submit your YouTube Channel to be a potential guest on the podcast. Support the show on Patreon here for day-to-day interaction with myself and the community on discord. Connect With Josh Here: Youtube Channel /// Instagram TubeBuddy – A tool that makes your YouTube Life EASIER and Helps grow your channel. CLICK HERE for a FREE 30 DAY TRIAL. Links Discussed In This Episode Fiverr – Hire the right people for the jobs you need to make your YouTube life and workflow easier! HotContent – Allow Natalie and her experienced team to help you on your YouTube journey by hiring a YouTube coach! Bluehost – If you need a website use this link to get a Free Domain Name and a great deal on hosting

Lauren Thomas, Senior Manager of Communications & Social at Intuit Consumer Group, joins the Social Pros Podcast to discuss how Intuit makes tax content fun and engaging. Huge thanks to our amazing sponsors for helping us make this happen. Please support them; we couldn't do it without their help! This week: Salesforce Marketing Cloud Snapchat Full Episode Details Tax and budgeting are, by most people's books, not the most interesting topics to hear about on social media. And yet, Intuit has managed to create content on social that's fun, engaging, and educational. This is thanks to the work of Lauren Thomas, Senior Manager of Communications & Social at Intuit Consumer Group, and her team. Lauren joined Social Pros to talk all about her work and how she's brought innovations and big ideas to the team to drive its success. We hear about Intuit's ventures on TikTok and how it works with both personal finance and general lifestyle influencers to create engaging and relatable content. Lauren explains how Intuit has developed its light-hearted and fun brand voice to appeal to those who would usually shy away from hearing about tax. In This Episode: 4:16 – How Lauren manages to wear so many hats in her role 6:10 – How Lauren uses social listening and the insights she's picked up 8:47 – Why the area of social you work in affects how you use social listening 10:45 – How Intuit's social media content changes throughout the year 13:40 – Lauren explains how social engagement shifts depending on the time of year 16:09 – How Intuit blends tax and finance content with lifestyle content 18:46 – Lauren explains how Intuit used Cameo as a unique marketing push 22:49 – How influencers help Intuit make serious tax topics engaging 26:55 – Intuit's social care team's approach to protecting personal information 34:02 – Lauren shares the story behind ending up in the Guinness Book of World Records  37:54 – The challenges of getting leadership to understand your vision  45:34 – Lauren's top tip for those looking to become a social pro Resources Get the new State of Marketing report for free from Salesforce Double your advertising spend with Snapchat Visit SocialPros.com for more insights from your favorite social media marketers.

Welcome to another episode Action and Ambition. Today, we invited Joe Endoso. Joe is a seasoned executive and entrepreneur at various companies. He is the Chief Revenue Officer and Board Member at LINQTO, Senior Managing Director at Enverra Partners, Former Chief Financial Officer at Bosonic, Founder and Managing Partner at RedBridge Group, and the Former Managing Director, and Global Head at ABN AMRO Investments. Joe's experience with the investment and banking world is unquestionable, and through this experience allowed him to help small investors grow their assets through LINQTO. They aggregated $70 million dollars from small investors and they invested them in 26 companies and upcoming 6 companies that are in the process of going public! Currently, a qualified investor needs $10,000 to invest on their platform. However, Joe is relentless in his pursuit to democratize the investing space aiming to lower the minimum investment required even further! Tune in to this episode as Joe shares his investing journey, vision, and how he aims to revolutionize the investing space. Don't miss this out! You'll love this!

Gayle, Evan and Prime talk with BLEAV reporter Dennis Ackerman ahead of the Eagles/Raiders game. See omnystudio.com/listener for privacy information.

(Hour 1 10-21-21) Dukes & Bell break down an amazing win for the Braves as they are one win away from heading to the World Series! See omnystudio.com/listener for privacy information.

Join author Steven J. Neuner as he discusses his new children's book Dogs on Heaven Street. His book helps kids explore their own unique talents, recognize peer pressure, navigate life's challenges while pursuing their own purpose, and understanding the timeless lesson of God's unconditional love.

Veronica is a 24-year-old DC Lifestyle Blogger, Tiktok Content Creator, and Serial Entrepreneur. She is originally from New Orleans, LA and moved to DC a little over 2 years ago. When she isn't eating food and reviewing local DC restaurants on Tiktok, she is running her digital marketing and social media consulting agency, Content Confidante. Where she helps entrepreneurs position themselves on social media through 1:1 private coaching. Website: http://www.contentconfidante.com/   Tiktok - https://www.tiktok.com/@veronicadroulia?lang=en   Biz Instagram's - @veronicadroulia @contentconfidante @noathecollective

The state expects all but one of its coal plants to close within the decade. Learn more at https://www.yaleclimateconnections.org/

This week on the show, guest host Tony Peterson talks to Brodie Swisher. They discus Brodie's strategies for calling during the pre-rut, grinding out long days during the heart of the breeding season, and why Brody never misses a sunrise in the November woods. Connect with Wired To Hunt and MeatEater Tony Peterson on Instagram MeatEater on Instagram, Facebook, Twitter, and Youtube Shop MeatEater Merch Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

David Dayon talks about how the Ecom Cooperative helps Amazon sellers succeed. In this Sellernomics Podcast episode, David Dayon will also talk about What is The Ecom Cooperative in one sentence? What is the purpose of the Ecom Cooperative? What are some of the ways that The Ecom Cooperative brings value to the e-commerce community? #DavidDayon #TheEcomCooperative About David Dayon and The Ecom Cooperative - https://www.theecomcooperative.com The Ecom Cooperative is a powerful network of best-of-breed e-commerce service providers that have joined forces in order to bring sellers the ultimate one-stop shop for all things e-commerce. At The Ecom Cooperative, we aspire to be a long-term partnership and advance our reach by bringing together our most successful assets, knowledge, and experience. Even during the Covid-affected era of zero social interaction, we still managed to take the extra step and formed a trusted platform. Working side by side, the entire e-commerce community can grow more, learn together, and develop bigger. About GETIDA - https://bit.ly/Sellernomics-GETIDA With e-commerce growing annually by at least 30%, it will become harder and harder to audit what can amount to anywhere from 1-3% of your annual revenue. GETIDA is actively dedicated to improving the overall operations of Amazon FBA sellers. We've developed robust auditing software that keeps track of your Amazon FBA inventory transactions, refunds, seller data analytics, and FBA reimbursements easily and clearly. We maintain an agreeable, established relationship with Amazon, and our dedicated case managers draw on that relationship when filing FBA reimbursement claims on your behalf.

The man who collected a brick. How trustworthy people act. "I love you, teacher!" A good mother. False Dilemmas. Geodesics. Water. Ultimatums Vs. Boundaries. "Confirmations". Campfire Stories: My Lucid Dream.  ----more---- The Last Symptom is constantly growing. Websites and services evolve and change. Here are the latest & most current resources you need to know about:  The Last Symptom official website: thelastsymptom.com The Last Symptom official social media community: thelastsymptom.locals.com (Locals app available in App Store) Orange Slices (by The Last Symptom): Daily condensed video insights 3-8 minutes in length, available exclusively at The Last Symptom community on the Locals platform. The Last Symptom Fundamentals Structured Two-Week Course: Greatly superior to programs like DBT. Pre-recorded. Works with your schedule. Provides a solid foundation of insights. Identifies erroneous perspectives you have lived with. Explains in great detail how they got there, how they affect you, how to correct them. Helps you replace underlying unhealthy misperceptions with new, accurate, healthy perceptions. The Last Symptom Official YouTube Channel    

Pete Ekens from UPS aka Jubal Fresh calls Melanie to track a package!Let us know what you think on social!Follow us at: @thejubalshow @jubalfresh @thatdreas @evanontheradio

Oklahoma-based technology companies LandScout, AgBoost and SmartStock recently announced a partnership to integrate their agricultural software platforms. The alliance was formed to benefit cattle ranchers and livestock producers both statewide and across the nation. Farm assistant, Aaron Zimmerman was able to catch up with Trent Stoker of LandScout to discuss the partnership and project that they are working on. See omnystudio.com/listener for privacy information.

For this episode of the Local Energy Rules Podcast, host John Farrell and guest Shannon Mortenson discuss Warren's first-of-its-kind thermal imaging project, lessons learned from the pilot, and how cities can help residents conserve energy.… Read More

If you enjoyed this episode please give it a rating and review. Helps a bunch! Thanks in advanced   Schedule A Consultation Call With Liv  Click Here  (Valid through October 31st)   Subscribe To The Patreon    Watch The Podcast On Youtube!   Follow Me On Instagram   ______________________________________________ Music & Beats Website ► https://www.slumdoggmusic.com Instagram ► https://www.instagram.com/jaszofficial/ ______________________________________________    

Customer Orchestration Software

HushLoudly’s Jeri Bingham speaks with Alan Heymann who specializes in helping introverts rise into their power, and in coaching through transitions — such as the transition from individual contributor to leader, the transition into a larger and more complex role, or the transition into a different career. For more information on Alan and his coaching […]

In this episode of Quah (Q & A), Sal, Adam & Justin answer Pump Head questions about whether fasted cardio really makes a difference, the effect former steroid or growth hormone use has on your current muscle growth, the benefits in adding bands or chains on the big 3, and whether getting a pump does anything for hypertrophy.

This week on the Millionaire Car Salesman Podcast, Sean V. Bradley, CSP interviews David Long, the Executive GM of Hansel Auto Group, an eight rooftop auto group with locations in Sonoma County, CA.  They discuss the evolution of the automotive industry.   The retail automotive industry today is a people business.  It is all about customer service, the customer experience, and taking a customer first mentality.  It is also about your people; training, developing, leading, and mentoring them to be successful, personally and professionally, while putting the customer first.   David discusses how having the proper dealer-vendor relationships helps to achieve this.  One of his favorite vendor relationships is CallSource.  CallSource records and tracks all inbound and outbound phone calls.  He receives DealSaver Alerts from CallSource, which are email updates on every call where his staff did not ask for the appointment or the customer did not commit to an appointment.  Additionally, Call Source aids Jeff and his team with their DealSaver Recovery Alert Program, where CallSource's call center returns a call to the customer to go for the appointment that his team failed to get. CallRevu Acquired CallSource's automotive division in September 2021.  However, CallRevu does not intend to eliminate any of CallSources technology, people, or services.  Instead, CallRevu plans to combine the best of both businesses to advance its technology and provide a higher level of service to automotive dealerships. About David Long David Long has been in the automotive industry for 30 years.  He started working in a detail department in FL until he made the transition to the sales floor.  As a sales associate, his work ethic and dedication resulted in him being the #1 one sales rep in the country for the #1 automotive group in the country.  He climbed his way up to management and eventually bought his own store.  He had a great run with his Ford store and then sold it right before the last recession.  Today, he runs Hansel Auto Group, an eight rooftop automotive group in California that sells over 1,000 cars per month. Resources Dealer Synergy & Bradley On Demand: The automotive industry's #1 training, tracking, testing, and certification platform and consulting & accountability firm. The Millionaire Car Salesman Podcast: is the #1 resource for automotive sales professionals, managers, and owners.  Also, join The Millionaire Car Salesman Facebook Group today! The Against All Odds Radio Show: Hosting guests that have started from the bottom and rose to the top.  Also, join The Against All Odds Radio Show Guests & Listeners Facebook Group for the podcasted episodes. For more interactivity, join The Millionaire Car Salesman Club on Clubhouse. Win the Game of Googleopoly: Unlocking the secret strategy of search engines. The Millionaire Car Salesman Podcast is Proudly Sponsored By:  CallRevu & Callsource: The industry leader for call tracking, lead management, and business analytic solutions.  AutoWeb: Visit AutoWeb.com/dealers for help in revolutionizing your business to help you sell more cars. CarNow: Sell more cars now!  Not only is CarNow.com. the market leader in tailored digital solutions, but they are built to help dealers sell more cars.

This week, I sit down with Ryan Goral to discuss how he and his company G-Spire, help their clients acquire new companies. Ryan has extensive knowledge of the entire acquisition process, and it shows in this episode.Check out G-Spire: Gspiregroup.comSend Ryan an email: ryan@gspiregroup.comWant us to do this for you? Email us: podcastsbyjoe@gmail.comWant to learn more? Go to: https://www.podcastsbyjoe.com/

Episode 2181 of the Vietnam Veteran News Podcast will feature a story about James Crockett, a Vietnam Vet who helps prove a point about all Vietnam Veterans. The featured story appeared in the Montana Standard of Butte and is titled: … Continue reading → The post Episode 2181 – Vietnam Vet James Crockett helps prove a point appeared first on .

Katie Couric sits down with Hoda Kotb and Jenna Bush Hager to talk about her new memoir “Going There.” Plus, if there was a fire in your home, would you know what to do? TODAY contributor and “House Smarts” host, Lou Manfredini, has all the products you need to stay safe. Also ahead, all about “Dear Me: Letters To Myself For All Of My Emotions,” a new picture book that wants to help young kids identify, feel and manage their emotions through journaling.

In this Sweathead episode, Ben Mburu takes us behind the scenes of several of his small businesses in Kenya. An account planner by profession, Ben believes that owning a small business helps him validate his ideas and gain insights he can use in his client work. He also shares his experiences of the ups and downs of being a small business owner during a global pandemic. After 14 years in account management in the advertising business, Ben is now building a life selling ideas that solve marketing and communications problems for businesses in East Africa. You can connect with him at www.linkedin.com/in/benmburu or ben.mburu@gmail.com. ** Find out about our Strategy Accelerator at http://www.sweathead.com Follow the fun on Instagram: http://www.instagram.com/sweathead Subscribe to our newsletter: http://eepurl.com/dscjW5

In this episode, Adam and Karissa share what they learned while traveling in Europe and Asia this month (both with their kids and without) and why you should travel too! My favorite brand for Mamas: KINDRED BRAVELY www.kindredbravely.com Use code DYMC20 for 20% off your purchase! Stay in conversation with us on IG: @dearyoungmarriedcouple or on our website: https://www.dearyoungmarriedcouple.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Why do we need or care about design in the work of data science? Jesús Templado, Managing Director at Bedrock, is here to tell us about how Bedrock executes their mantra, “data by design.”    Bedrock has found ways to bring to their clients a design-driven, human-centered approach by utilizing a “hybrid model” to synthesize technical possibilities with human needs. In this episode, we explore Bedrock's vision for how to achieve this synthesis as part of the firm's DNA, and how Bedrock adopted their vision to make data more approachable with the client being central to their design efforts. Jesús also discusses a time when he championed making “data by design” a successful strategy with a large chain of hotels, and he offers insight on how making clients feel validated and heard plays a part.   In our chat, we also covered:  “Data by design” and how Bedrock implements this design-driven approach. (00:43) Bedrock's vision for how they support their clients and why design has always been part of their DNA. (08:53) Jesús shares a time when he successfully implemented a design process for a large chain of hotels, and some of the challenges that came with that approach. (14:47) The importance of making clients feel heard by dedicating time to research and UX and how the team navigates conversations about risk with customers. (24:12) More on the client experience and how Bedrock covers a large spectrum of areas to ensure that they deliver a product that makes sense for the customer. (33:01) Jesús' opinion on why companies should consider change management when building products and systems - and a look at the Data Stand-Up podcast (35:42) Quotes from Today's Episode “Many people in corporations don't have the technical background to understand the possibilities when it comes to analyzing or using data. So, bringing a design-based framework, such as design thinking, is really important for all of the work that we do for our clients.” - Jesús Templado (2:33)   “We've mentioned “data by design” before as our mantra; we very much prefer building long-lasting relationships based on [understanding] our clients' business and their strategic goals. We then design and ideate an implementation roadmap with them and then based on that, we tackle different periods for building different models. But we build the models because we understand what's going to bring us an outcome for the business—not because the business brings us in to deliver only a model for the sake of predicting what the weather is going to be in two weeks.”- Jesús Templado (14:07)   “I think as consultants and people in service, it's always nice to make friends. And, I like when I can call a client a friend, but I feel like I'm really here to help them deliver a better future state [...] And the road may be bumpy, especially if design is a new thing. And it is often new; in the context of data science and analytics projects.”- Brian T. O'Neill (@rhythmspice) (26:49)   “When we do data science [...] that's a means to an end. We do believe it's important that the client understands the reasoning behind everything that we do and build, but at the end of the day, it's about understanding that business problem, understanding the challenge that the company is facing, knowing what the expected outcome is, and knowing how you will deliver or predict that outcome to be used for something meaningful and relevant for the business.”- Jesús Templado (33:06)   “The appetite for innovation is high, but a lot of the companies that want to do it are more concerned about risk. Risk and innovation are at opposite ends of the spectrum. And so, if you want to be innovative, by definition—you're signing up for failure on the way to success. [...] It's about embracing an iterative process, it's about getting feedback along the way, it's about knowing that we don't know everything, and we're signing up for that ambiguity along the way to something better.”- Brian T. O'Neill (@rhythmspice) (38:20)   Links Referenced Bedrock: https://bedrockdbd.com Data Stand-Up podcast: https://bedrockdbd.com/podcast/ LinkedIn: https://www.linkedin.com/in/Jesústg/

After a year of distance working via Zoom and screens, without delineation between personal time and work time, parenting and working from home, we are all exhausted. Bonnie inspires us to break out of cookie-cutter expectations and quiet the critical voices that make us feel less than enough, and also explore ideas to re-energize your motivation. Scripture: “Cast all your cares on Him for He cares for you.” - 1 Peter 5:7 Soul Care Tip & Scientific Research: Make something with your hands. Benefits of lowering anxiety. Links + Resources in This Episode: For links to this study and more, sign up for Bonnie's Newsletter: https://thebonniegray.com/subscribe/ For more encouragement, order Bonnie's book Sweet Like Jasmine: Finding Identity in a Culture of Loneliness, an Amazon #1 New Release in Christian Biographies. Sign up for a free Audiobook or Stories of Faith Guided Journal at https://sweetlikejasmine.com/ Sign up for Bonnie's Soul Care Newsletter for more soul care tips here: https://thebonniegray.com/subscribe/ Follow Bonnie on: Instagram: https://instagram.com/thebonniegray Facebook: https://facebook.com/thebonniegray Her site: http://www.thebonniegray.com Episode Image Credit: Getty/Bitontawan

Many infants respond well to white noise, quickly calming down when they hear the soothing sound. When a baby is fussy, crying, suffering from colic or not sleeping well, play this calming white noise and watch them quickly settle down. Bring peace to your infant and to your household with this relaxing baby sleep sound. Baby white noise is an effective way to soothe a crying infant and lull your newborn to sleep. White noise resembles sounds the baby heard in the womb, which has a calming effect. It also masks other distracting noises so that your baby can fall asleep and remain sleeping. While playing white noise for babies, it's important to keep tabs on the volume, because any white noise machine, smartphone, or computer can put out levels that are too loud for your child. It's recommended to play the sound at least a few feet from where your infant is sleeping and to keep the volume no louder than the sound of a soft shower. Parents can download an app to turn their smartphone into a sound level meter. One good, free, option is the sound level meter app created by the U.S. National Institutes for Occupational Safety and Health (NIOSH) available on the app store as the NIOSH SLM app. Soothe your crying baby and enjoy a moment of calm! Check out the 10-Hour version on YouTube Contact Us for Partnership Inquiries Relaxing White Noise is the number one destination on YouTube for white noise and nature sounds to help you sleep, study or soothe a baby. With more than a billion views across YouTube and other platforms, we are excited to now share our popular ambient tracks on the Relaxing White Noise podcast. People use white noise for sleeping, focus, sound masking or relaxation. We couldn't be happier to help folks live better lives. This podcast has the sound for you whether you use white noise for studying, to soothe a colicky baby, to fall asleep or for simply enjoying a peaceful moment. No need to buy a white noise machine when you can listen to these sounds for free. Cheers to living your best life! DISCLAIMER: Remember that loud sounds can potentially damage your hearing. When playing one of our ambiences, if you cannot have a conversation over the sound without raising your voice, the sound may be too loud for your ears. Please do not place speakers right next to a baby's ears. If you have difficulty hearing or hear ringing in your ears, please immediately discontinue listening to the white noise sounds and consult an audiologist or your physician. The sounds provided by Relaxing White Noise are for entertainment purposes only and are not a treatment for sleep disorders or tinnitus. If you have significant difficulty sleeping on a regular basis, experience fitful/restless sleep, or feel tired during the day, please consult your physician. © Relaxing White Noise LLC, 2018. All rights reserved. Any reproduction or republication of all or part of this text/visual/audio is prohibited. --- Support this podcast: https://anchor.fm/relaxingwhitenoise/support

Gresh and Keefe are joined by Buster Olney to get ready for ALCS Game 3 and Buster explains how the value of starting pitchers could be plummeting and contracts in the future may reflect that. See omnystudio.com/listener for privacy information.

On today's episode of the Learning to Fly podcast Ian Quite returns to help me introduce, explain and invite you all to tune into our 50 hours of madness in November! Two 24 hour charity livestreams between November 12 and November 14th on www.twitch.tv/sincerelybluejay - you'll be able to see Ian perform in both and there will be a ton of other fantastic guests all weekend long helping to raise awareness and funding for two amazing organizations as we celebrate the success of Dear Bouquet and the release of Postcards from Breakfast! If you'd like to pre-order Postcards from Breakfast: https://docs.google.com/forms/d/1WE2W3HJfy92b_sQegGONmg3R1ykeX2JdQXkr0LP3moo/edit And as always remember to check out Ian Quiet and Quiet Ect wherever you love listening to and streaming new music! --- Send in a voice message: https://anchor.fm/sincerelybluejaypoetry/message

Please watch the audio on youtube as well it really helps :) I'm almost at 1k and will be doing a face reveal there at 1k --- Send in a voice message: https://anchor.fm/sleepyva/message

As Mayor Helps enters her last year in office, she has made clear she will not be running again. For Municipal Monday, she joins to explain why and look back on the highs and lows of her now seven years in office.  Get more stories like this in your inbox every morning by subscribing to our daily newsletter at CapitalDaily.ca Check our membership opportunity at CapitalDaily.ca/MemberAnd subscribe to us on our socials! Twitter @CapitalDailyVic  Instagram @CapitalDaily  Facebook @CapitalDailyVic 

The Justice40 Accelerator will provide fundraising support and training to grassroots groups. Learn more at https://www.yaleclimateconnections.org/

This week Matthew Rubel shares some real wisdom on how companies need to think and act more strategically to deal with continued business disruption. We cover supply chain costs, retail/consumer demand shifts, long-term inflation, and capitalization issues - with Matt going through each area and laying out clear things shoe companies should focus efforts and energy on (consumers to employees) to ensure they hit the mark. This is a must listen episode to understand key changes we face as an industry and how to build real agility!

Does God really need our help before He helps us? In this message Joy Gruits shows in the story of Gideon that God's power is shown when we trust in Him, rather than when we do the heavy lifting first.

Ingrid Y. Helander talks about how to manage feelings of worry and use them to your advantage Episode 1120: Your Worsening Worry Wants Your Help to De-Stress by Ingrid Y. Helander on How Worrying Helps You Ingrid began her career in Marriage and Family Therapy after she had her three children. After her youngest son was diagnosed with a chronic illness, she decided that she wanted to train to work alongside people as they work through life's difficulties. She has a Master's Degree in Marriage and Family Therapy from Central Connecticut State University. Ingrid specializes in Internal Family Systems and and Intimacy from the Inside Out Couples Therapy. The original post is located here: https://ingridyhelanderlmft.com/your-worsening-worry-wants-your-help-to-de-stress/   Visit Me Online at OLDPodcast.com  Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalRelationshipsDailyMarriageParenting Learn more about your ad choices. Visit megaphone.fm/adchoices

Blaire Brown is a Brand Strategist and Marketing Expert that specializes in helping entrepreneurs evolve their businesses. With over a decade being spent in New York City's fast-paced competitive environments, her career has been primarily based in entrepreneurial endeavors, marketing, and PR. She recently created and launched her Focused Branding online course that helps new female entrepreneurs set their brand messaging foundation for success. Blaire creates value for brands through marketing consultation services, strategic writing that maximizes brand objectives, and is an expert at building brand stories to reach targeted audiences. She is currently based in Annapolis, Maryland. Website: https://blairebrown.com/   Webinar registration page: https://blairebrown.com/invited/ Course: https://blairebrown.teachable.com/p/focused-branding  Instagram: https://www.instagram.com/businessbyblairebrown/ Facebook Page: https://www.facebook.com/businessbyblairebrown/ LinkedIn Business Page: https://www.linkedin.com/company/blaire-brown-brand-strategist Facebook Entrepreneur Group: https://www.facebook.com/groups/successfulentrepreneurscommunity

272: Traveling On YouTube With Mat and Natalie From Adventures With MattandNat This week we are joined by Matt and Natalie from the Adventures Of Matt and Nat YouTube channel. They talk about their journey on YouTube, what it's like trying to visit all 50 states in a year and SO much more! About Matt and Natalie: We're Matt and Nat, a part-time travel couple based out of Nashville, TN. We're currently on a journey to see all 50 states in 2021 and documenting all of the adventures along the way with a new blog and YouTube video every week! Go here if you want to submit your YouTube Channel to be a potential guest on the podcast. Support the show on Patreon here for day-to-day interaction with myself and the community on discord. Connect With Matt and Natalie Here: Youtube Channel /// Instagram TubeBuddy – A tool that makes your YouTube Life EASIER and Helps grow your channel. CLICK HERE for a FREE 30 DAY TRIAL. Links Discussed In This Episode Fiverr – Hire the right people for the jobs you need to make your YouTube life and workflow easier! HotContent – Allow Natalie and her experienced team to help you on your YouTube journey by hiring a YouTube coach! Bluehost – If you need a website use this link to get a Free Domain Name and a great deal on hosting

Suicide. Underlying Causes: Physical, Mental, Emotional, Chemical. Real-life examples. My own personal struggles.  ----more---- The Last Symptom is constantly growing. Websites and services evolve and change. Here are the latest & most current resources you need to know about:  The Last Symptom official website: thelastsymptom.com The Last Symptom official social media community: thelastsymptom.locals.com (Locals app available in App Store) Orange Slices (by The Last Symptom): Daily condensed video insights 3-8 minutes in length, available exclusively at The Last Symptom community on the Locals platform. The Last Symptom Fundamentals Structured Two-Week Course: Greatly superior to programs like DBT. Pre-recorded. Works with your schedule. Provides a solid foundation of insights. Identifies erroneous perspectives you have lived with. Explains in great detail how they got there, how they affect you, how to correct them. Helps you replace underlying unhealthy misperceptions with new, accurate, healthy perceptions. The Last Symptom Official YouTube Channel  

Dr. Joe Bresee, with the Task Force for Global Health, shares how the nonprofit's work on standing up influenza vaccination programs equip it to help countries establish COVID-19 vaccination programs.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What do cancer, autoimmune disease, allergies, mental health, and fertility all have in common?  The Gut! Did you know that the microbiome in your gut does way more than just digest your food?  It also…   Helps you absorb nutrients and minerals Helps regulate your immune system (kick flu season in the butt!) Plays a big part of regulating your hormones.  Can help improve brain health and function AND… It may also affect your weight. All disease begins in the gut… so that's where healing begins as well! On today's episode we've got four incredible guests who deep dive into where the core of most of our health problems lie and give tips and tricks to get you back to feeling your best and trusting your gut once again!  Tina Anderson worked in the pharmaceutical business because she wanted to help others. She quickly realized that medicine was just making people sicker and that the best way to heal your body was to heal from the inside out. She founded a probiotics company called Just Thrive that carries a unique strain of probiotics that focuses and assist in naturally healing the gut. Now it's her mission to help others thrive and feel their best.  Dr. Will Bulsiewicz (also known as Dr. B) is an internal medicine doctor and expert gastroenterologist.  Dr. B discovered the untapped potential of a healthy gut. Having witnessed amazing results with his patients, he decided to spread the word beyond his clinic. Thus, the Gut Health MD was born. Dr. Marvin Singh is an integrative gastroenterologist. He lost 40 pounds of his own by making lifestyle change to help heal his gut. He realized he could help people heal themselves by taking a comprehensive approach – one that brings together nutrition, genetics, and meditation. Katherine Maslen watched a close friend suffer from and autoimmune disorder and realized her meds were doing more harm than good, thus, she created the Shift Clinic, an international wellness company that is changing the way we view health and empowering people to take control of their own health journey.  Tune in to learn: The major impact our microbiome has on our health What a leaky gut is, and is it compromising my immune system? How your gut can affect your mental health How we are destroying our guts with antibiotics How to use food to start healing your gut How lifestyle, sleep, and activity can affect your microbiome.  Swap the sugar for the fiber How toxins around us are impacting our gut health and things like infertility  Steps we can take to make our guts healthy again. And more!

The Villanova football team is now ranked as high as 5th in the country in FCS after a gigantic 28-27 win on the road last weekend at James Madison. The Wildcats overcome an 11 point halftime deficit, shut out the Dukes in the second half, and snapped JMU's 20 game regular season winning streak, their 19 game home winning streak, and a 15 game winning streak against Colonial Athletic Association teams, including the playoffs. The win was sealed when the Wildcats converted a 4th and 1 from their own 29 with less than 2 minutes left. Head coach Mark Ferrante join's Matt Leon to talk about that win, the gutsy decision to go for it on that 4th down, and also take a look ahead at Villanova's next game on Saturday against Albany on the road.    See omnystudio.com/listener for privacy information.

One of the most important questions to ask yourself before getting seriously involved with a person romantically is "are they available?". In this episode, we look at how to know whether a person is available to date both emotionally and developmentally. Check us out on YouTube: Coach Craig Kenneth Get Craig's help personally: https://www.askcraig.net/take-action/ Get Margaret's help: https://www.askcraig.net/margaret-1/ Craig's workbook series: https://www.askcraig.net/workbooks-1/ Get Started on the Creative Healing Course: https://courses.askcraig.net/ --- Support this podcast: https://anchor.fm/coach-craig-kenneth/support

Rootswill “ ON ANOTHER LEVEL ” (hit single). • NFL WEEK 5 reactions. • Chargers; Cowboys; both shine • Statement win for Buffalo in K.C. • Lamar Jackson's heroics finds him in the MVP Race. • Blake on the power of CBD in the “THE AFTER BAR” • How CBD helps with athletes performances. • Helps sleeping disorders? • Blake's EAST COAST AND WEST COAST TAKES • Chicago Sky leads the WNBA Finals (1-0) • Mercury looks to bounce back in Game 2 behind vets and collective unit • Kaeleahh Cooper's playoff run • Candace Parker vs. Brittany Grinner • Lakers BIG3 • Russell Westbrook fit with the Lakers • LeBron and Rondo's IQ • The Upstart Chicago Bulls • The John Gruden Saga, Resigning from the Raiders --- Support this podcast: https://anchor.fm/sebypodcast/support

Amy Beardsley of Smart Money Mamas tells us how a good credit score helps to build wealth Episode 1679: How a Good Credit Score Helps You Build Wealth by Amy Beardsley with Smart Money Mamas Chelsea Brennan is a hedge fund investor turned online entrepreneur that helps moms make their money work for them and embrace their ambitions, so they can live their fullest lives. The original post can be found here: https://smartmoneymamas.com/good-credit-score/ Roofstock provides a hassle-free way to buy cash flowing rental properties! Save $350 when you close on your first rental property through Roofstock: Roofstock.com/OFD. Offer valid for a limited time only. Terms and conditions apply. Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Joe Valley is a Partner at Quiet Light Brokerage, one of the leading online-focused M&A Advisory firms in the world. He is also a serial entrepreneur, bestselling author, podcaster, EXITpreneur, and advisor. He has built, bought, or sold over half a dozen of his own companies.  Over the last nine years, Joe has mentored thousands of entrepreneurs whose goal is to achieve their own eventual exit. He is a ​Certified Mergers & Acquisitions Professional, and a frequent guest expert in mastermind groups, on podcasts, and at events for entrepreneurs worldwide. His book, The EXITPreneur's Playbook: How to Sell Your Online Business for Top Dollar by Reverse Engineering Your Pathway to Success, shares real-life stories of successful and failed exits, and teaches you how to reverse engineer a pathway to your own incredible exit. In this episode… In order to build a thriving and sustainable company, it is important to hire people who are not only very skilled but who are able to handle every aspect of the business while you are away. This helps in making the company more attractive to potential acquirers if you decide to sell it later. If your company owns intellectual property, your risk level is seen as lower and therefore more valuable than a company that does not have any IP. It makes it easier for you to sell and exit the business, and this can increase its value even before the sale. In addition, ownership of intellectual property makes the business more competitive. In this episode of the Innovations and Breakthroughs Podcast, Rich Goldstein is joined by Joe Valley, a serial entrepreneur and Partner at Quiet Light Brokerage, to find out how he helps business owners prepare for a successful exit. Joe also talks about his book, what investors look out for when buying a business, and the importance of having intellectual property when preparing for an exit. Stay tuned.