Podcasts about hesta

In honour of Gilmour Space Technologies obtaining regulatory approval from the Australian Space Agency to launch its very first home-grown rocket into space, we bring you an interview with Adam Gilmour from January 2022. The Eris rocket is due to take off on Thursday morning. In Episode 66, we spoke with Adam Gilmour, who is the co-founder and Chief Executive Officer of Australian rocket company Gilmour Space Technologies. His business is backed by some of the largest institutional investors in Australia, including Hostplus, HESTA and NGS Super, as well as several venture capital firms, including Blackbird. In this interview, we talk about the business of rocket launches, space cargo, interest from institutional investors and Chinese spies. Enjoy the show and don't forget to subscribe through your favourite platform. Overview of podcast with Adam Gilmour, CEO of Gilmour Space 1:00 Starting as a derivative trader 3:30 Where do you start launching rockets? ‘You start small” 6:00 We are the Fedex of space 7:30 We started the company to take people into space 8:00 I fully intent to go to space in one of my vehicles 8:45 Pension funds backing Gilmour Space 10:00 There is an element of nation building in Australian super funds 11:30 Challenges of being an Australian-based space company 13:00 We estimate that the industry for launching small satellites into space will grow to $5bn by 2025 14:30 Impact of the pandemic: supply chain issues 16:30 How do you build a rocket. 17:30 How Gilmour Space become the object of Chinese spies 19:30 Putting people on Mars is unrealistic in the short term and inevitable in the long term. 22:00 If you are going to shoot things into space, the moon is a good place to do it 23:00 Favourite science fiction book: Orson Scott Card's Ender's Game

How will Gen Z change business in the upcoming age of Zconomy? How are mom entrepreneurs being glamorised by social media? All are discussed inEpisode 8 with Sheena Peeters - OFFICIALLY LIVE!Sheena Peeters, Senior Director at Cognizant, is a true powerhouse in Tech. With 30 years of experience, Sheena has built a remarkable career driving innovation and digital transformation across top firms like EY, KPMG, NAB, Aus Post, UniSuper, HESTA, Mercy Health, and more. She even founded her own startup, Rasberry, adding an entrepreneurial edge to her impressive background.

Licensed therapist Julie Potash Slavin -- who circles the planet as DJ Hesta Prynn -- on where the dance floor meets the couch. CNN called her "the leading voice in music and mental health."

The Big Super funds are having a woeful run of high-profile cock-ups where customers have been let down by inept management procedures: Led by Cbus, the roll-call includes ART, Hesta and Unisuper. At what point do investors need to be concerned about failings in their super fund?  James Gerrard of www.financialadviser.com.au joins wealth editor James Kirby in this episode. ---------- In today's show, we cover  * Big Super's bad management * The realities of switching  super funds *  Commercial property triggers tough times for super sector*  Are property trusts really turning the corner?See omnystudio.com/listener for privacy information.

Wednesday 20 November 2024 The ASX hits a new record high just as the Reserve Bank cautions on hopes for a rate cut.  And more, including: Prime Minister Anthony Albanese treads a fine line in trade talks with China's Xi Jinping Bunnings found to have invaded people's privacy via its facial recognition technology More on the G20 summit, the country's top accountants and why the regulator told super fund HESTA to compensate 120,000 members Plus don't miss the latest episode of How Do They Afford That? on money and mental health. Get the episode from APPLE, SPOTIFY, or anywhere you listen to podcasts.Find out more: https://fearandgreed.com.auSee omnystudio.com/listener for privacy information.

Wednesday 20 November 2024 The top five business stories in five minutes, with Sean Aylmer and Michael Thompson. ASX hits record Albanese treads fine line with Xi Bunnings invaded customer privacy HESTA to compensate 120,000 members Sabotage fears after data cable cut Plus don't miss the latest episode of How Do They Afford That? on money and mental health. Get the episode from APPLE, SPOTIFY, or anywhere you listen to podcasts.Support the show: http://fearandgreed.com.auSee omnystudio.com/listener for privacy information.

In this episode of 'The Wisdom of Show,' host Simon Bowen engages in a deep conversation with accredited futurist Dr. Ben, exploring the dynamic and rapidly changing landscape of leadership in modern times. Dr. Ben, formerly the head of the future of work at PwC Australia and an award winner for his work in the Asia Pacific region, delves into the principles of futurism and explains why traditional business strategies may be flawed in our fast-paced world. The discussion touches on the importance of foresight, adaptive mindsets, technology trends, climate change impacts, generational shifts, and the ethical implications of AI. Dr. Ben also offers actionable insights for leaders to remain authentic, embrace vulnerability, and leverage emerging technologies, while maintaining the human touch in their organizations. This engaging episode seeks to inspire leaders to be proactive stewards of their resources and to prepare thoughtfully for an ever-evolving future.

REA Group, the owner of Realestate.com.au, has had its first offer to acquire UK's Rightmove rejected - but it may come back for more. HESTA, the super fund, is putting pressure on Australia's largest companies to adopt gender targets across their entire organisation. Google is facing its second antitrust trial against the US Department of Justice in just 2 months - for allegedly monopolising the digital advertising industry. — Build the financial wellbeing of your team with Flux at Work: https://bit.ly/fluxatworkDownload the free app (App Store): http://bit.ly/FluxAppStoreDownload the free app (Google Play): http://bit.ly/FluxappGooglePlayDaily newsletter: https://bit.ly/fluxnewsletterFlux on Instagram: http://bit.ly/fluxinstaFlux on TikTok: https://www.tiktok.com/@flux.finance—-The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes.See omnystudio.com/listener for privacy information.

In this episode, we explore the transformative power of stewardship in the investment world. Moving beyond short-term gains, we focus on long-term value creation and tackling pressing issues like climate change. We'll discuss the need for increased industry-wide stewardship resources and how investors can leverage active ownership to drive positive change. Join us as we hear from Emmet McNamee, Head of Progression and Innovation at the Principles for Responsible Investment (PRI) discussing the growing importance of stewardship resources and Kim Farrant, General Manager, Responsible Investment at HESTA sharing their practical approach to active ownership. Resources mentioned: The Cambridge Principles: System stewardship for universal owners Untools: Iceberg model Research paper: Putting resources where stewardship ambitions are Framework: The Stewardship Resources Assessment Framework Report: Global Stewardship Resourcing Survey Data Report

In this week's episode, HESTA CEO Debby Blakey talks about her love of maths, why her 42 minute meeting hits the sweet spot and how to master the art of juggling.  This podcast is sponsored by ANZ. See omnystudio.com/listener for privacy information.

Guðjón í Oz og Siggi í Overtune ræddu tækni í Dr. Football. Stats lúðarnir tóku af okkur langskotin hvað gera þeir næst með hjálp tækninnar.

Viktor Unnar og Jói sátu með Dr. Football.

Doc, Jói Már og Viktor Unnar í Tuborg Tíunni á sunnudegi.

This episode: Australian income drops, Munger says we need to buy tech stocks, Pulled Pork on CVL. Club edition only: ASX historical average 13.2%, Iron ore and China, HESTA fined by ASIC, ANZ's results lead to drop, how to deal with a situation when a buy list stock is in play, Interest rate rise means a change to IV value, MQG did not take an impairment, using Tradingview for commodities, and a refresher on what stocks to sell when you need cash.

Sonya Sawtell-Rickson is the Chief Investment Officer of Australian Superannuation Fund HESTA, a AUD 75 billion ($50 billion) pool dedicated to health and community service workers. HESTA services 90,000 employers and a million members, 80% of whom are women. Sonya is one of Australia's biggest stars in employing a total portfolio approach to the management of assets. We discussed this approach in past conversations with Raff Arndt from Australia Future Fund and Matt Whineray, then CEO of New Zealand Super. TPA generally uses more granular risk management and fine-tuning of incremental portfolio decisions than an asset allocation approach. Our conversation highlights the beliefs, benchmarks, culture, and implementation that drive HESTA's total portfolio approach. We also dive into HESTA's objectives related to climate solutions and diversity that go alongside its real return goals. Learn More Follow Ted on Twitter at @tseides or LinkedIn Subscribe to the mailing list Access Transcript with Premium Membership

Claire Braund spoke to 3AW Drive Host, Tom Elliot on 23 Sept 2023 about a decision by HESTA that they will vote against select director re-elections of ASX300 companies where the board has less than 30 per cent of female representation. Claire says HESTA and other investment firms are taking a stance on “merit”, “We like to think of merit as something objective … but it's actually defined by culture, values and expectations … which means only some parts of merit are to do with how hard one works,” she told Tom Elliott. Read HESTA's four key expectations for ASX300 companies in 2023-24 AGM season HERE

Soaring petrol prices pushed inflation higher in August Rupert Murdoch will be entitled to pension benefits worth nearly $219 million from his US operation Fox Corp.Super fund HESTA warns the largest listed companies it intends to vote against male directors of boards with low female representation.Qantas shareholders have demanded chairman Richard Goyder's resignation and placed the rest of the airline's board on noticeCouncil of Financial Regulators warns about the impact of the China slowdown on Australia. Follow my socials on:https://twitter.com/leongettlerhttps://www.instagram.com/leongettler/https://www.linkedin.com/in/leongettler/https://www.facebook.com/talkingbusinesspodcasthttps://business.google.com/dashboard/l/17460167277811417147?hl=en&gmbsrc=au-en-z-z-z-gmb-s-119-u~mhp-ns_hom_8-u&omec=EI_z6RYYASIBATIBATotZ21ic3JjPWF1LWVuLXotei16LWdtYi1zLTExOS11fm1ocC1uc19ob21fOC11QAFKEwjq4cCIj5D3AhXNnWMKHUB5Cqg%3Dhttps://www.youtube.com/c/LeonGettler/discussion?app=desktop Hosted on Acast. See acast.com/privacy for more information.

Tuesday 26 September 2023 Rising petrol prices are causing havoc for inflation and for airlines.  Also today: A major super fund is going to fight back against boards without enough women this AGM season Commonwealth Bank thinks Australians are getting better at picking up on scams And Lego ditches its plans to make its bricks from recycled plastic bottles Find out more: https://fearandgreed.com.auSee omnystudio.com/listener for privacy information.

Australian news publishers have seen their traffic from Facebook plummet by 50 per cent this year in the latest battle between Meta and the media. Members of HESTA, one of Australia's largest super funds, are calling it out over greenwashing concerns. Youtube is now testing playable games in Google's latest foray in the gaming sector. — Build the financial wellbeing of your team with Flux at Work: https://bit.ly/fluxatwork Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes.See omnystudio.com/listener for privacy information.

Vibrations rise as Hesta Prynn, the celebrity DJ and Host of the podcast "Music as Therapy" examines her remarkable journey to becoming one of NYC's most in-demand DJs in the game, as well as her pivot to becoming a licensed Therapist who spins music into her clinical practice as a therapeutic tool for self awareness, healing, and growth.

(Aired August 3, 2023) All Your Brand Are Belong to Us - Get into the minds of the Sherpas with this DomainSherpa Review! In this show, the Sherpas play The Domain Game (starting at the 16:08 mark), where they guess what certain domains were bought and sold for and discuss the reasons behind their evaluations. Today's domains are Passage.com, Wealth.net, GraniteExpo.com, Baps.com, and Euphoric.net. The Sherpas review a list of domains about to come up for auction on NameJet.com, including InTheZone.com, RisingTide.com, and StrategicFunding.com. The Sherpas discuss the domain name Hesta.com, from the NameJet list, and how to approach a potential domain acquisition when you only have one major prospective buyer. They get into Meta selecting Threads.net for the new social media platform, Threads, and does that bode well for .net domains. Also, the Sherpas talk about the recent sale of SolarEnergy.com. Also, DomainSherpa is now integrating with Muse.ai for episode transcripts and an AI-driven video player to easily look for topics, words, phrases, etc., and jump to the points in the video where they occur. Let us know your feedback! Plus, all DomainSherpa podcasts are now up on our YouTube channel at DS.tv and much more! JT is joined by Drew, Braden, & Ammar - so be sure to tune in!!

Wall Street closed higher across the key indices on Friday to round out a strong first half of 2023. Technology stocks were once again the driving force behind Friday's rally, with Nvidia rising 3.6%, Microsoft advancing 1.6% and apple adding 2.3% higher to close above a US$3trn market cap. The Dow Jones added 0.84% on Friday, the S&P500 rose 1.23%, and the tech-heavy Nasdaq advanced 1.45%, to end its best first half of a year since 1983. Nike shares fell 2.7% on Friday after the apparel giant posted a weaker-than-expected quarterly profit.Despite the very strong first half, some of Wall Street expect investors to take profits from the first half rally in the second half amid ongoing volatility and the outlook for interest rates to continue rising alongside the potential threat of a recession.Over in Europe, markets closed higher on Friday and notched out gains for the first half despite interest rate hikes and the regional banking crisis. Eurozone inflation data for June also released late last week showed a greater-than-expected fall to 5.5% for the month indicating the fiscal tightening of the ECB could be starting to have an impact. On Friday the STOXX600 rose 1.2%, Germany's DAX added 1.26%, the French CAC rose 1.19% and, in the UK, the FTSE100 rose 0.8%.Locally, the ASX rose 0.12% to finish the last trading session of the financial year at 7203 points and up 1.47% for the week. Information technology were again the leading stocks on the ASX on Friday, with the sector adding 0.83%, while consumer staples and healthcare stocks were sold off.Link Administration Holdings (ASX:LNK) tanked almost 14% on Friday after the company provided an update that one of its largest customers, industry superannuation fund HESTA, will not renew its contract when it expires.  What to watch today: Ahead of the local trading session the SPI futures are expecting the ASX to open the first trading session of the new financial year 0.41% higher.On the commodities front this morning, oil is trading 0.13% lower at US$70.53/barrel, coal is up 0.12% at US$128.05/tonne, uranium is down 0.53% at US$56.20/pound, gold is up 0.56% at US$1918.82/ounce and iron ore is down 1.73% at US$113.50/tonne.Taking a look at economic data out today, Australia's building permits data for May is released just before midday with the market expecting a rebound in permits through growth of 2%, up from a decline of 8.1% in April. Australia's home loans data MoM is also out today with the forecast of a 4% rise, from a 3.8% fall in April.AU$1.00 is buying US$0.67, 96.15 Japanese Yen, 52.44 British Pence, and NZ$1.09.Trading Ideas:Bell Potter has downgraded the price target on Bubs Australia (ASX:BUB) from 22 cents per share to 20 cents per share and maintain a hold rating on the company following the recent revenue guidance statement released by the infant formula company including guidance of $52.5m to $55.7m, which is well below Bell Potter's previously expected revenue of $60m from the company for FY23. Bell Potter also noted Australian exports of finished IMF to China have remained subdued, down 40% YoY and that Bub's has a clear challenge of managing excessive inventory positions of the Bub's Supreme product held by channel partners in China.And Trading Central has identified a bullish signal on IGO Limited (ASX:IGO) following the formation of a pattern over a period of 12-days which is roughly the same amount of time the share price may rise from the close of $15.20 to the range of $16.90 to $17.30 according to standard principles of technical analysis.

ASX 200 closed with a modest gain of 0.12% to 7203, up 8 points as EOFY came and went. For the week the index is up 103 points or 1.5%. A mixed session with Resources slightly firmer, BHP up 0.1% and FMG up 0.3% with lithium stocks drifting higher, PLS up 1.2% and IGO up 1.2% Gold miners were mixed and oil and gas stocks better, WDS up 0.5% and STO rising 0.8%. Coal miners mixed, WHC down 1.3% and YAL up 1.8%. In the banks some slippage with the Big Bank Basket unchanged at $171.69. MQG bucked the trend up 0.8% and insurers flat. MPL slipped 0.3% on another class action. And fund managers squeezed slightly higher. PNI up 1.7% and MFG up 0.3%. REITS fell today across the board as yields rose, GMG down 0.3% and GPT off 0.2%. Healthcare eased back, CSL down 0.3% and COH down 0.2%. Tech rose with the All -Tech Index up 0.5% led by WTC and XRO again. Telcos slid, TLS off 0.5% and TPG falling 1.2%. Industrials better, BXB up 0.4%, CPU rising 0.6% and retailers finding support, JBH up 0.8% and CTT pushing another 5.1% ahead. On corporate news, LNK fell 13.9% as it lost the HESTA account, BUB unchanged on a China update, DOW up 4.3% after sealing a new contract to build trains for QLD. Not substantial on the economic front, US core inflation numbers tonight. In Asia, Japan gave back some recent gains, down 0.3%, and China and HK better.Why not sign up for a free trial? Get access to expert insights and research and become a better investor.Make life simple. Invest with Marcus Today.

Among the topics we'll be discussing are understanding First Nations members and their perceptions of superannuation and ways superfunds can provide better services to their First Nations members. Guest *Phil Usher, CEO of First Nations Foundation Host *Carlos Lopez, Policy Adviser, HESTA

ReNu Energy Ltd (ASX:RNE) CEO Greg Watson tells Proactive the company and Australian superannuation fund HESTA have signed a Platform Agreement that provides the framework for evaluation and co-investment in hydrogen projects developed by ReNu Energy. Hydrogen projects in Tasmania owned by RNE's subsidiary, Countrywide Hydrogen, will be the first projects presented to HESTA for potential co-investment this year. HESTA is the largest superannuation fund dedicated to Australia's health and community services sector. #ProactiveInvestors #ReNuEnergy #ASX #hydrogen #HESTA #CountrywideHydrogen #invest #investing #investment #investor #stockmarket #stocks #stock #stockmarketnews

Welcome to our podcast, where we confront Australia's pressing housing crisis head-on. This issue, having multiple complex roots, demands urgent attention as it lies at the heart of our nation's prosperity and well-being.In this episode, we host a unique panel discussion involving experts deeply involved in efforts to address the housing deficit and increase the supply of homes. Our discussion will navigate through the intricacies of housing cost, supply, funding, and planning, acknowledging the severity of the current and projected demands for social and affordable housing.Join us as we welcome three accomplished panellists:Mary Delahunty, Founder of Seven Advisory, provides an institutional and international investor perspective. With over 15 years in senior roles in financial services and former Head of Impact for HESTA, she is a fervent advocate for authentic progressive capital and social and affordable housing.Robert Pradolin, Founder and Director of Housing All Australians, offers his expertise from over 35 years in the property industry. Rob has pivoted his career from corporate property to a not-for-profit initiative to tackle Australia's housing crisis.Ludwina Dautovic, CEO of The Room Xchange, shares her ground-breaking approach to addressing the immediate need for housing. Ludwina's verified house-sharing platform, The Room Xchange, offers a novel solution to increasing housing supply immediately.Join us in this crucial conversation as we explore potential solutions, learn from experts, and discuss how, as a society, we can collaboratively work towards alleviating the housing crisis.Resources and links:Seven Advisory https://www.sevenadvisory.com.au/Housing All Australians: https://housingallaustralians.org.au/The Room Xchange https://theroomxchange.com/ Hosted on Acast. See acast.com/privacy for more information.

「【新宿小田急エース北館】美と健康を追求したスープ店『oumami HESTA SOUPSTAND』が12月1日ニューオープン！」　新宿駅通路内にある小田急エース北館に、美と健康を追求したスープ店『oumami HESTA SOUPSTAND』が12月1日ニューオープン。詳細をご紹介します。『oumami HESTA SOUPSTAND(ウーマミ ヘスタ スープスタンド)』は、新宿駅西口地下街「小田急エース」北館に誕生する「SHINJUKU DELISH PARK」に2店舗目として12月1日(木)オープン。

Hesta en Waldo Swanepoel het ‘n storie en ‘n half om te deel. Die afgelope 19 jaar was nie maklik nie, en smag hulle na ‘n ‘Sjoe!' en sorgvrye volgende 19! Tans bly hulle staande soos hulle kinderlik afhanklik van die Here is, styf vashou aan Sy soom, ondanks baie vrae en ‘n behoefte om asem te skep. Mamma Hesta is al ‘n klompie jare enkelmamma, en is Waldo se pa ‘n paar jaar terug oorlede. ‘n Week na sy dood, is haar ma en Waldo se ouma oorlede. Sy smag na iemand wat vir Waldo ‘n kans sal gee met ‘n werk, en is tans besig om hom soveel moontlik met kort-kursusse verder te bemagtig. Hy is bo-gemiddeld getoets vir ‘n tegniese aanleg, maar tans beperk finansies sy verdere kwalifikasies. Hesta se suster het vir ons ‘n epos gestuur, en haar suster beskryf as ‘n ‘warrior' wat nooit kla nie. Hesta was huiwerig oor die kuier, want sy wil net nie as ‘n slagoffer voorkom nie. Sy sê self hulle het soveel om voor dankbaar te wees, al oorval die onsekerheid van veral Waldo se toekoms haar. Sy ken Waldo se potensiaal, maar voel ook soms minderwaardig omdat sy nie die rol as ‘pappa' kan vertolk nie. Sy voel soms asof die wêreld haar en Waldo verwerp het, maar erken ook dat hulle hulself isoleer ter wille van beskerming. Haar stem bewe soos sy ons van hulle vele uitdagings vertel, maar, alhoewel haar hart baie seer is, en haar mismoed kort-kort sy verskyning maak, eindig haar sinne met hoop env rede, met die wete dat die Here weer sal sorg vir uitkoms en ‘n deurbraak – soos Hy altyd doen. GROOTfm 90.5 het gaan kuier om bo alles vir haar dankie te sê vir haar waagmoed, oorwinnaars-mentaliteit, en sommer net vir die mens en mamma wat sy is!

Hesta en Waldo Swanepoel het ‘n storie en ‘n half om te deel. Die afgelope 19 jaar was nie maklik nie, en smag hulle na ‘n ‘Sjoe!' en sorgvrye volgende 19! Tans bly hulle staande soos hulle kinderlik afhanklik van die Here is, styf vashou aan Sy soom, ondanks baie vrae en ‘n behoefte om asem te skep. Mamma Hesta is al ‘n klompie jare enkelmamma, en is Waldo se pa ‘n paar jaar terug oorlede. ‘n Week na sy dood, is haar ma en Waldo se ouma oorlede. Sy smag na iemand wat vir Waldo ‘n kans sal gee met ‘n werk, en is tans besig om hom soveel moontlik met kort-kursusse verder te bemagtig. Hy is bo-gemiddeld getoets vir ‘n tegniese aanleg, maar tans beperk finansies sy verdere kwalifikasies. Hesta se suster het vir ons ‘n epos gestuur, en haar suster beskryf as ‘n ‘warrior' wat nooit kla nie. Hesta was huiwerig oor die kuier, want sy wil net nie as ‘n slagoffer voorkom nie. Sy sê self hulle het soveel om voor dankbaar te wees, al oorval die onsekerheid van veral Waldo se toekoms haar. Sy ken Waldo se potensiaal, maar voel ook soms minderwaardig omdat sy nie die rol as ‘pappa' kan vertolk nie. Sy voel soms asof die wêreld haar en Waldo verwerp het, maar erken ook dat hulle hulself isoleer ter wille van beskerming. Haar stem bewe soos sy ons van hulle vele uitdagings vertel, maar, alhoewel haar hart baie seer is, en haar mismoed kort-kort sy verskyning maak, eindig haar sinne met hoop env rede, met die wete dat die Here weer sal sorg vir uitkoms en ‘n deurbraak – soos Hy altyd doen. GROOTfm 90.5 het gaan kuier om bo alles vir haar dankie te sê vir haar waagmoed, oorwinnaars-mentaliteit, en sommer net vir die mens en mamma wat sy is!

The collapse of the AGL demerger came after a chorus of investors, including Atlassian billionaire Mike Cannon-Brooks and super fund HESTA made it clear they'd oppose the move. It's hard to ignore the impact of another key player in its collapse - Greenpeace.

Industry super giant HESTA has taken the bold step of announcing it will reject AGL's controversial demerger when it comes up for a vote next month. The $68 billion fund, which preserves the nest-eggs of thousands of workers in health and community service sectors, says it is 'unconvinced' that AGL's proposal to spin off its coal fired power stations into a separate business is compatible with Australia's commitment to the Paris climate goals.

In this week's episode, we take a deep dive into the VERY dark side of Baby Formula. What the scientific evidence says, the exact side effects of the most common ingredients according to medical research, and the long-term side effects of long-term usage; which include a lower average IQ and an overall 50% INCREASE in morbidity. The sad reality is that much of our nation has been convinced through malicious marketing that this convenient pharmaceutical product is a replacement for the miracle of a Mothers body, and they are DEAD wrong. We also discuss Jen Psaki's farewell to the White House Press secretary position as she eyes a 7-figure contract with Blackrock and Vanguard owned Comcast company MSNBC and take a listen in on the terrible first day on the job her replacement had. Subscribe and leave a 5-star review today! ----more---- Protect your family and support the Red Pill Revolution Podcast with Affordable Life Insurance. This is attached to my license and not a third-party ad! Go to https://agents.ethoslife.com/invite/3504a now! Currently available in AZ, MI, MO, LA, NC, OH, IN, TN, WV Email redpillrevolt@protonmail.com if you would like to sign up in a different state  For all the articles, videos, and documents discussed on this week's podcast join our substack!  Podcast Companion Substack: https://redpillrevolution.substack.com ----more---- Please consider leaving a donation for all of the hard work that goes into this podcast. I love doing what I do and can only continue through your generosity and support!  Donate https://givesendgo.com/redpillrevolution  ----more----   Full Transcription: Welcome to red pill revolution. My name is Austin Adams. Red pill revolution started out with me realizing every thing that I knew, everything that I believed, everything I interpret about my life is through the lens of the information I was spoonfed as a child, religion, politics, history, conspiracies, Hollywood medicine, money, food, all of it, everything we know was tactfully written to influence your decisions and your view on reality by those in power. Now I'm on a mission, a mission to retrain and reeducate myself to find the true reality of what is behind that curtain. And I'm taking your ass with me. Welcome to the rebel. Hello, and welcome to red pill revolution. My name is Austin Adams. Thank you so much for listening today. I am very, very interested to get into this discussion with you guys today. Again, this is episode number 28, and we're going to be tackling some interesting topics. There's been some really interesting happenings over the last few, I guess, week or so since we discussed the 2000 mules documentary. So I'm very interested to get into some of these discussions a little bit. That last episode that we did was kind of a really deep dive into a singular topic, whereas we'll kind of get back to some more current events some more interesting things that have been going on over the last couple of weeks, including the change of the white house, press secretary. And where our last, most beloved pisarski went. I guess that's how you pronounce her name. Maybe I get it right now that she's left office, but that will be one of the topics that we discuss is where did she go? Why did she go there in who is replacing her? And we'll actually listen into some of the clips from the very first white house press briefing that she did. We're also going to go into a deeper discussion surrounding the baby formula shortage. That is right there is allegedly a shortage of baby formula. And meanwhile, Joe Biden is shutting down and the FDA is shutting down some of the largest plants in the country. And we'll discuss if you should even be giving your baby formula, we'll talk about who made the formula. What's in the form of. And maybe some of the side effects and the actual statistical outcomes of using baby formula, which is quite terrifying. So we're going to discuss all of that and more today. So thank you so much for listening. I appreciate you from the bottom of my heart, really, truly. I love doing this. It means so much to me. So thank you so much for being a part of it. Every single week, I plan on getting better. I plan on taking a deeper dive into some of these topics and doing everything I can to put out the best content possible. If there's anything at all that you can think of that I can do to make this podcast better, please let me know, send me a message wherever you can find me at. He'll revolt. All right. While you're doing that. Well, maybe if you're not doing that even go ahead and hit that subscribe button right now, whether you're on apple podcasts, whether you're on Spotify, Google podcasts, wherever the hell, you get your podcasts, go ahead and hit that subscribe button. For me, it would mean the world. That means that you're just going to follow along on this journey of us diving deeper into each one of these topics, right? And today I think is a really important discussion, whether you have kids or not, your ass was a baby at one point or another. And the likelihood of you having children, just like every single ancestor that you've had before you having children is generally quite high. So this is a really important discussion, whether you have children now, whether you don't have children, whether you've already had children and you're you're in a later stage of life, this is something that we should really be advocating for them. It's a really a. Interesting topic discussing the history of even these things. But anyways, I'm, I'm going too far off topic. Go ahead and hit that subscribe button. It takes two seconds. It gives you a, a very beautiful, good feeling. Know that you've done something for somebody else today to join me on this journey. I appreciate you so much. Then when you're done with that, go ahead and hit that five star review. Some jerk left, a four star review. What is that about? This is a five star podcast. If you think there's anything less, you need to send me a message and tell me what I can do to make it better. No need to leave a review that does not. What will help is if you send me a message, truly, honestly, if there's anything I can do to make this better, go ahead and send me a message. I would love to do that for you, but if you think this is a five-star podcast and only if you think this is a pie, five star podcast, leave a five-star review, write something nice in the reviews for me, tell me your favorite episode. Tell me whatever it is that you learned from this podcast. Whatever it is. Go ahead and leave that five star review. Alright, done. Written, done rambling. That's all I got. All right, so let's go ahead and dive deep into this topic. The first one we're going to be looking at, I think is a little interesting. There's been some, some recent clips of Kamala Harris that have come out where she is just going on and babbling can barely put together an entire sentence, repeating herself over and over again. And just kind of like this weird, I don't know if somebody did this in a conversation with you, you would probably be a little puzzled, right? So let's go ahead and watch our first clip today, which is going to become a Harris. Now this is a clip from a month. Where she discusses the passage of time, speaking of passages of time during the time that she repeats herself in this, you know, probably a minute and a half, two minutes goes by just over and over again. So really just kind of, you know, we, we always talk about the difficulty that Joe Biden has speaking, but we need to put more attention on the vice-president and how much of an idiot she is as well, because this is really I don't know, I've just never, I've never really seen somebody talk in this manner. That's being serious, especially on a political platform, let alone the second to the world leader of basically the most powerful country allegedly in the world. So here is our vice-president Eleanor and I, and we were all doing a tour of the library here. And I'm talking about the significance of the passage of time, right? The significance of the passage of time. So when you think about it, there is a great significance to the passage of time in terms of what we need to do to lay these wires, what we need to do to create these jobs. And there is such great significance to the passage of time when we think about a day in the life of, oh my gosh. So, so just over and over again, when you think about the passage of time and, and you, you wonder about how time really does pass now, during the time that I've been speaking about this, there has been such a passage of time that you and I both perceive said passage through the timeframe in which we are passing. And in that timeframe, we shall pass this passage together in time. What is this really the best that we can do as a nation, right? Like there's some real, like, I don't claim to be the smartest guy in the room in most rooms. Then some I'll claim to be the smartest guy, but a lot of rooms, I don't claim to be the smartest guy. Right. The same goes, if you're the smartest person in the room, you're in the wrong room, right. You should probably find a more, more intelligent people to be around if you're the smartest guy. So I don't claim to be the smartest guy in the room, but what I know is I can finish a sentence, right? I, I it's, it's crazy to me that out of everybody in our country, there's Harvard professors, there's, you know, unbelievable political you know, powerful individuals who have, who are profound speeches in, in, in the ability to move mountains with their words. And this is who we pay. This is what you have for me. This is, this is who we voted for with the passage of time or who we didn't vote for. If you watched the last episode. And if he didn't listen to the last episode, you should go watch it. Cause that's crazy. Because apparently we didn't actually vote these people in office, according to this documentary and some of the statistics that true the vote came out with. Anyways, but I digress. It's unbelievable to me that this is the best and brightest that the United States could find. This is both in an 87 year old geriatric blubbering dementia written, you know, and I don't even feel like insulting Joe Biden that much. Like it really is just kind of sad. Right? It's it's, it's, it's sad to see, you know, it's like you could put your grandpa or your, I guess even your great grandpa in some instances in the position of Joe Biden and. And start to feel bad for this guy. The fact that his wife like pushes him up there and then HESTA hold his hand to show him where to go and when to answer questions. And it's, it's almost sad now, now what's not sad about it is this man has been in politics for 45 years and that he has taken all sorts of money from, you know, the China's and the rushes in the funnel, it through Ukraine. And now he's pushing hundreds of bits. So it definitely plays a part. But to me, it's mostly just sad, right? Because anybody could put their blubbering dementia written grandpa in the office and then see the effects of this. Now Kamala Harris is a different story. This woman is fully capable. She's what I don't know. 48 something, I don't know, 55 in that 48 to 55 range, probably she should be capable of completing a sentence in a coherent manner, right. Without all the ums and the AHS and the, this and the, that, and the, the repeating of sentences, w like she should be able to use her consciousness to come up with a full thought and be able to like, imagine your teacher rambling on like that in high school, you'd be like, what the fuck is this person even saying? So anyways, that was the first clip that was about a month ago. Now the most recent clip is the one that we're about to watch here. And this one is just as bad, just as bad as that last one only, I think it's even a little bit longer. So let's go ahead and watch this clip and see what our vice vice-president has to say this time. I often note, and I've talked with many of you about our shared belief that our world is increasingly more interconnected and interdependent. That is especially true when it comes to the climate crisis, which is why we will work together and continue to work together to address these issues, to tackle these challenges and to work together. As we continue to work operating from the new norms, rules, and agreements that we will convene to work together on to galvanize global action, we will, we will work together and we will continue working together to work towards the same goal together in our togetherness towards this goal together. Again, I just, I don't get it. How can you not, how can you not complete a sentence? How can you not fully finish a thought? Right. Like in any situation, like I think the white house press secretary probably has a much more difficult job than the president in this situation to actually have to verbalize and answered in a long form format. Some of the questions that these people have to deal with now, now the she's literally reading from something, right. It's almost like, you know, she, they, they put a topic into a Google or something and it just spit out words onto a word document. And then she said you know, th what are the key words that we want to hit here? Well, working together. Okay. Well, and then it just started repeating itself over and over and over again. And she just started like, it's, it reminds me of a, what is it? The exact elephant academic. Where I'm pretty sure there's a scene where he has like a teleprompter in front of him. Is that a pretty sure it's that one where he has inside of Zack alpha that cause her welfare where there's a teleprompter in front of him and no, it's, it's it's Ron burgundy, anchorman, Ron burgundy, anchorman, where he has the teleprompter in front of him. And he's reading off this speech and it's like all wrong and it's like, hilarious. I'll have to find the clip and I'll post it. Cause it's, it's so funny, but who in the world are these speech writers? Like they need to be demoted, right? And again, how is this the best and the brightest that we can find for speech writers, then she's sitting there reading a piece of paper and still cannot form a coherent thoughts around surrounding this topic. It's it's so baffling to me that these, this is our leadership, right? Like at least give me somebody competent, right? Oh, Barack Obama. For all of his corruption and all of the shitty policies that were passed, had the ability to form a sentence. It's literally a comedy. The United States is a comedy right now with the people that we have in office. You could literally put together a set, the satire season of shows, showing how ridiculous it is that this is who we chose for our world leadership. And you would only have to turn the knob by like 15%, like literally just a little bit 15% would get you to a point where it would be a legitimate satirical comedy from where it is right now today. And right now it's just sad. It's just a little sad to me that this is who we have representing our great names. Like, again, I'll always fall back to this. I'm a Patriot. I believe in what our constitution stands for. I believe in what the American flag stands for. I believe that we are the greatest nation of people. In the world. I do believe that when a hundred percent, I believe we're a great nation full of great culture. And it's been hijacked by a bunch of, multibillionaires who have put puppets into office. And in this case they just did it with the wrong, like incoherent, blubbering, idiots, like, and so again, I don't want to sound like I'm just crushing or speaking negatively consistently about the United States, I believe in the United States and what we stand for. I don't believe in this government, I don't believe in these, these individuals who are running our country. And to me, it's just sad that, that this is who is facing us, are facing out, who is representing us on the world stage, who is going to these meetings, who is meeting with the, you know, world leaders at these global meetings. Like the, you know, Davos, which is coming up. If you don't know what data. I did a deep dive episode onto the world economic forum in Davos and what their agenda is, their 20, 30 agenda should look into that is a really interesting topic. But, but the leadership that they've put into office to me is just unbelievably stupid. And, and the fact that neither of them, neither of them could pass a sixth grade public speaking class with the way that they speak to the entire world on the biggest world platform, that there is, how is this the best that we have? It's not, obviously we all know that this is not the best that we have, but why are we not finding the best that we is this a legitimate, purposeful attempt to run our nation into the ground? Like what, what, what are we doing here? Why, why has it turned into this? You know, like what, why, why are we so, humiliated on this stage right now? Why, why are. Why is everybody not looking at these conversations and being just completely demoralized with who is representing us to the public and maybe they are, maybe the left has gotten to a point now where they are a little fed up with the, the, the, you know, at least the inability to form a coherent sentence, hopefully. But I don't know. It's really sad to me that this is who's representing us on the world stage. Now, speaking of who was representing us or representing these people, at least who was supposed to be the people who could actually speak on their behalf and form a coherent sentence in, in circle back to the actual answers. Eventually let's talk about Jen  and again, every time I say that word, I literally have no idea how to say her stupid name.  Said her final goodbyes as the white house press secretary and oh, so sad. Just like shit. I had to cry. That she had to leave the office and be ridiculed by everybody the entire time for the way that she approached these questions. So here is, is pisarski saying her final goodbye as the white house press secretary. And as we'll find out later, as she leaves for a horrible, very sad transition to a multimillion dollar deal with MSNBC. Hm. More on that in the. But before we do that, I do have an announcement to make. All right. I have found a way to start to be able to put some more time, energy, and effort into this, and I hope you guys enjoy it. I hope it's something that works out for you guys as well. What I am talking about. So as I've, hadn't been having this conversation surrounding, you know, trying to figure out ways to monetize this podcast, also not implementing like, you know, men's depends, underwear where, you know, go to this website and use this code. I just it's it's a little, I don't know. It doesn't sit right with me now from one side of it, it doesn't sit right with me as a consumer. I know most of the time I'll just press the fast forward button. Right? It's like, it doesn't do much for you now on the other side of. I also know it doesn't do much for the podcast, right. It doesn't make any sense for a podcast to basically sell time on their podcast, to the profitability of another corporation. And so I was trying to think through some ways in which it would be both easier for you guys and easier for me to make this a mutually beneficial relationship. And this is how I've done it. So I come from an insurance background prior to this, I had an insurance agent. Built train, help all people with sales and that type of thing had a sales consulting agency after that. But prior to that, I had my health and life license. And so what I've decided to do is to just put an online platform for you guys, to be able to protect yourself, protect your family, protect your assets through life insurance. And now you don't have to talk on the phone with anybody. Usually what you'll get is you'll put your phone number online, you'll get a hundred different calls from a hundred different agents who are all trying to sell you some shitty policy that probably has a, you know, Universal life and all this crazy shit that you don't actually need. And so the hands-off way that I found to do it is you can go to my website right now, red pill, revolution dot C O, and there is a link on there right now that you can click and it will take you to a landing page. That is my landing page with my life insurance license on there for you guys, you can go apply, run a quote for yourself, just to give you an idea. I ran a call for myself a little bit earlier. It was like 60 bucks for a $2 million policy for myself. And when the things that that does for my family, if I pass away, right. Now with all the crazy shit that's been going. And all the preparation that you're doing in your life, whether it's food shortages, baby formula, shortages, whatever it is, protect your family, because you w you know, some of that stuff might happen, right? That's the idea, some of that might happen, but what's definitely gonna happen is you're gonna die. Whether it's today, whether it's tomorrow, whether it's next year, I hope it's a hundred years from now, but it's gonna fucking happen to all of us. You're going to die. It's going to happen to you. So protect yourself, protect your family, red pill, revolution.co, go, run a quote for yourself, and then run through the application process. There's a 95% approval rating on these life insurance products. So what I recommend is a term life policy that doesn't have to do with any of the investing BS that comes along with it. Just, just save your family from being broken when you die. Just do that. But as of right now, there's about eight or nine states specifically to sign up for that life insurance policy. And here they are. Let me go ahead and give you what those states are. They are Tennessee. Arizona Louisiana, Michigan, Missouri, North Carolina, Ohio, West Virginia. Those are the first states right now. As time goes on and I get a couple of you guys to get the signed up, I will buy all of the other states. Right. So if you have a state that you want me to get in and you want to sign up, let me know, send me a message. Austin at red pill, revolution.co, and I will get the appointments specifically just so that you can sign up. So let me know, send me an email. All right. So now we're going to go ahead and watch this clip with Jen Pasek singer, really sad, emotional goodbye, to all the people who have been ridiculing her and backing her into a corner on every single topic without her ever answering a single question as to what this administration absolutely actually believes. So here is her sad. I last briefing and it is Brian. And I wanted to start with a series of thank yous. I promised myself I wasn't gonna get emotional. Okay. Thank you. I want to say thank you to the president and the first lady. They entrusted me in serving this role for the last 15 months. And I talked about this a little bit before, but during my first conversation with them, which was in November of 2020 after the election I was very nervous when I went to see them in Delaware. And really what we talked about for the majority of our conversation was the, the, the importance of returning integrity, respect and civility to the white house. The small sliver of, of my job here in, in engaging with all of you that doesn't not mean that we haven't let our Irish side show mine and the presidents as well from time to time. I recognize that, but on my best days, and as I look back I hope I followed the example of integrity. That they have set for all of us and do set for all of us every day. And I'm incredibly grateful to them. I have, I'm not going to get everyone here, but I want to thank there's a Biden family that has extended and expanded far beyond the Biden named family. And that includes people who have worked with the president and for the president for many years, Ron Anita, Bruce, Cedric, Kate, Jodie, Donald, and machete, Susan DCE, Jake, Evan, Annie Elizabeth Alexander. There's so many others. And the reason I mention them is because part of my job or that anyone's job in this role is to represent and talk about the policies of in the work of any administration. They have integrity, grit, commitment to trying, even on the hardest days and worst days to make the world better for the American people. And I am very grateful to them. Now I'm not going to cry about the press team. Okay. Thank you to the prestige. Many of them are here. Some of them are not here because they're taking much needed days off. It has nothing to do with me personally. I promise. But. You all know a lot of them, for those who don't know them they are incredibly tough, smart, hardworking, and deeply, deeply good human beings, deeply good public servants. And you know, people always ask me and I'm sure you guys get asked this too about whether Washington is rotten. You know, whether everybody is corrupt here and you know, nothing good happens. And we all argue with each other. And I having done this job believe the opposite is true because I have worked with and engaged with all of these incredible people across the administration and this amazing. Many of whom are here that I get to work with every day. And I S, as I said about Korean last week these people are already the stars of the team, but they're going to be shining stars in the future and I'll miss them a lot. Okay. Whew. I promised myself I was going to keep it together. I'm not, this is the last part of this. I want to thank all of you in this room. You have challenged me. You have pushed me. You have to baited me. And at times we have disagreed that is democracy in action. That is it working without accountability, without debate, government is not as strong and you all play an incredibly pivotal role. Thank you for what, without accountability, without debate, democracy will not live. And that is why we silence all of our enemies and we make sure they cannot speak on any platform without being silenced, because we don't have a legitimate argument. Okay. I promised myself I wouldn't cry. It's unbelievable that she wasn't sit up there and say, politicians are not corrupt. That she believes in a free speech debate based democracy. Like, you know, you don't Jen. No, you don't. You wish every single one, all the Peter doosies of the world were silenced and you never had to speak to them again. That is your one wish. And we all know it. You can't backpedal now about showing your Irish side. Like I said, it's funny to me how none of there's never a positive spin on being Irish. According to this to this administration, every time being Irish has been brought up has been a negative connotation. So to me, it's, it's so disingenuous her sitting up there about to be in tears over seven figure contract with MSNBC. I promise I'm done with the. I'm quite good at it though. You know, you gotta, you gotta admit, I could definitely be. I posted this today on truth social. So I would like to formally send in my application for white house press secretary. If all I have to do is lie to the people I represent. All I have to do is never answer a single question that I'm asked directly. I would. And then at the end of it, I get a seven figure contract. I'm, I'm fairly confident I could complete that job very well, but we all know I couldn't lie like that. And we all know I'm not fit to be in a political position where all I have to spout is baseless arguments and the, the silencing of every person that I ever come in, contact being the only argument that I properly can follow through on. So anyways, I guess I won't be the white house press secretary after all, but I think the interesting conversation here is, is why MSN. Right. Why is she able to seamlessly move from white house, press secretary into a news media position so easily. And not only that, but a news media position where she's making millions of dollars, millions of dollars. And so I did a little digging here. I tried to figure out, you know, why with the head scratch, why would MSNBC offer her a seven figure contract? And it has nothing to do with her ability to speak has nothing to do. Her ability to bring a new taste and flavor to MSNBC and know, you know, what it has to do with is all of the money that was shoveled in to the white house, where she defended all the bullshit for these large corporations, that own MSNBC. It has nothing to do with her ability to speak, because we all know she can't answer a single question directly. What we do know is that the people who own MSNBC is BlackRock and Vanguard. Those are the two biggest corporations in the following that here I'll even pull up this little article for us surrounding who actually I had it up, I guess maybe up here it is. All right. So there's this article that I heard is the MSNBC is not your friend follow the money. That was a fairly long read. So I'm going to skip through a little bit of it, but I do think it's quite interesting. Now they have this little infographic and it shows who owns. Okay. And then it goes on to show who owns MSNBC. So here are the largest, so-so the top institutional shareholders of Comcast, Comcast owns MSNBC. So the question is who owns Comcast, right? Who are the biggest shareholders in Comcast? Now these names might be familiar because they own everything and including you, right. So here are the names, van guard Vanguard. Okay. Vanguard's the number one stakeholder in Comcast. BlackRock is the second largest stakeholder in Comcast, which owns MSNBC. Okay. So it goes on to show that other organizations is JP Morgan chase. Hm. Interesting bank of America. Interesting. Now let's go find out who owns a portion, right? Let's see what BlackRock and Vanguard stake is in Pfizer percentage. All right. Now, forgive me. I don't have a Joe Rogan, young Jamie here. I'm Googling everything on my behalf. So I have to kind of keep it flowing while we're going. It didn't have that one plan. So this says BlackRock's Madonna and Pfizer shares increased by more than 2.5 billion in the week after the announcement of the Omicron variant. Okay. Vanguard group made a $2.7 billion up from 1 billion with Madonna and 1.7 billion from Pfizer. The shocking, shocking amount of money that Vanguard and BlackRock actually controls a large stake of that goes into these pharmaceutical companies who she has been shoving down your throat, shoving down your throat, your children's throat, your pregnant wife's throat, you your throat, so that you get their products. That's what she's been doing. She's been playing this game where she's been paddling, the disinformation campaigns of everybody who opposes Pfizer and BlackRock and Vanguard and all of these corporations that own these entities with the idea that eventually it just give it a year. Jen, just give it a year. I need you to argue with Peter Doocy for one year, and we'll give you a multimillion dollar contract with one of our organizations. Oh. And you probably don't even have to show your face very often for it. Quid pro quo. It's how it all works. All of these organizations own these smaller organizations and they put these people into positions or they incentivize them to give the information that they want and silence the opposing viewpoints to the point where they can't even speak in a conversation with these individuals all while on the backs of her farewell speech, she's going to come and tell us that she believes in a fair democracy where debate leads the way. Fuck you. Fuck you, Vanguard. Fuck you BlackRock. Fuck you, Jen.  all of you. You grow. Like, Ugh, disgusting. Like all of this shit. If you're not seeing this yet, how all of this is intertwined? Every little piece of it, right? Vanguard has a big stake in Pfizer. They have a big stake in Comcast. They have a big stake. They funded the Oscars. They put all of this money into all of these little spider webs of disgusting, gross NIS so that they can push their products in jab you in the side of your fucking body with an experimental drug, shut you down in your home, shut down your business. So you can't even make money all for profit, all for profit. And now I have an idea, right? I have this idea about corporations and I've got to a point where, like I was a very pro. Conglomerate, you know, like I had this idea that like, you know, generally corporations we're good right now. I have an idea that kind of counter poses that, and if you don't know my political viewpoints, I'm kind of like a mixture between a conservative, libertarian hippie, like, oh, I guess that's the best way to describe me as like a conservative, libertarian ish hippie ask you know, I, that's kind of the mixture that I have and, and I, and then some social issues like access to drugs and, and the way that you go about, you know, legalizing certain drugs in, in, in some certain social programs, you know, I, I have some left leaning social positions, but for the most part, I'm a conservative ish, libertarian ish hippie. I believe that the government should probably only have their hands in, in very little places in, mostly in, in the portions, which have to do with crime and have to do with protecting our. Those are probably where I draw the line for the most part. And even that kind of counter counters, the, the hippie portion of me, which is the fact that, you know, the war machine and all of the war pigs out there siphoning money off the backs of the blood of our children, going to war on their behalf for reasons we'll never actually fully know. I dunno, there's my, there's my political beliefs. If you had to put it in a box and I guess, well, I guess the biggest thing is constitutionalist too. So I'm a conservative ish libertarian this. Hippy constitutionalist. If I had to put it all in the box. All right. There's there. I put it all on the table for you guys. That's where I'm at. All right. So, I don't know how we got there, I guess BlackRock Vanguard. Okay. So, so the idea to me is with corporations is that they're this, this, this organism, right? When, when, when a company goes from being held and operated by a singular individual as a CEO that runs it, that has a vision for where the company's going and the morality behind that individual directs the morality of that company. Okay. Now, when you take away the individual, when, when you only have shareholders, stockholders, whose only investment in that company has nothing to do with the morality and its impact on the world. It only has to do on their profitability. Okay. So I have this idea that the, the, the organism that is a corporation thrives off of only profit. Once it's been turned into a public company, once there are shareholders, once there are stockholders, once there's board members and there's a CEO who's positioned only there to, to, to maintain profitability for the organization. Okay. Now, to me, everything that comes from that organization, that organism that lives in breathes in the only way it survives is off of profit, that is it's food. That is its consciousness. That is its morality is all based on profit and Vanguard and BlackRock are the worst and the worst and the worst of them. And so the only thing that they do is they, they literally they literally deteriorate countries. They, they profit off the backs of the poor and the unintelligent in, in the, the imposed political authoritarianism that was vaccines and lockdowns and all this shit that they pushed. It all comes down to profitability, right? They found these ways to move and shift the entire world, the entire world. Now, if you don't think the origins of this, this of this sickness was not man-made to this point where you see how much profit has been made, how much billions, how, what percentage the billionaires of the world have made. They've literally almost doubled their profits. They've almost doubled their, their net worth during the same time that the, the, the use in the eyes and the Veys and the thems of the world lost everything. They lost their businesses. They lost their personal bodily sovereignty. They lost, they lost everything. And, and, and these corporations are profiting off of the back of this. And so they positioned people like Jen  to bring it around, to circle back. They positioned the gen Pesach is of the world. The Joe Biden's, the Camila Harris is in a position where they have either blackmail. They have either incentives, incentivize incentives. They position them with incentives like this, where they say, Hey, Jen, if you push the narratives that we give you and you don't speak up about these things that are coming up from these opposing viewpoints, then we'll make sure you and your family are taken care of forever. Now, the only thing, and this is selling your soul to the devil, it's literally selling your soul to the devil, because that is the devil. The devil is the organism, the organism that is, is only living and breathing off of profitability. Right? So, so that is who we're dealing with here. And, and, and that is who, you know, they're, they're. They're literally only P putting themselves in a position where they can profit off of these conversations. So if you own the press secretary, you own every legitimate piece of, of, of truth, right? You own truth, especially when they come out with a disinformation governance board, like you own the truth because that individual gets to speak about every topic and tell the entire world what the president believes. Even though he's a blubbering dementia written elderly, like he should be in an old folks home. We know this, that all of us know this, but they positioned her there. So she could be the talking mouth of BlackRock and Vanguard. And then eventually they give her a multi-million dollar contract with MSNBC owned by Comcast, which is owned by Vanguard and owned by BlackRock. There you go. There's the fucking pieces to the puzzle. And this is, this is everywhere. It's not just in the white house. It's an academic. It's not just an academia it's in your schools. Like it's, it's in the public eye. It's in, it's in our local state governments. It's, it's everywhere. It's in the CEOs of conglomerate organizations. It's in the CEOs of the apples and the Facebooks and the everywhere everywhere has to do with this, this, this like gross organism that only it only has the morality that is compass based on profitability and profitability is always based on the idea that you're siphoning that money from somewhere. And who are you siphoning that money from? You're siphoning that money from the individuals who you can, who you can take, what little they have from their 401ks. As we see the stock markets plummeting over the last, I don't know, month and a half all while gas prices are skyrocketing, gas prices are sky SkyRide. Housing costs are skyrocketing APR percentages. Your, your, your percentage on your loans are skyrocketing. Everything is skyrocketing. Meanwhile, inflation is up food costs are up and in your 401ks down. And Jenn Pesach is getting a multi-million dollar deal with Vanguard through MSNBC so that she can peddle their little lies to you so that they can profit and siphon your money away from you. It's sickening. It's, it's, it's gross, it's sickening. It's frustrating. And it pumps a lot of disbelief in our government government for me. And I think that's happening all over the country. And when you start to connect these dots and you start to see that the Harvard professors get moved into the Pfizer CEOs and the Pfizer CEOs get moved into. The head of the DIH and then how did the DIH gets moved into the head of the NIH who gets moved back to a Harvard position in, in moves into the, the head of the newest next whatever company they can find for them. It all is a circle of disgusting newness. All right. So on the backs of that conversation, let's go ahead and look at the actual new press secretary. I think let's go ahead and get see if we can get a feel for who she is. And maybe if she'll be better, I don't know. Maybe she'll be better than Jen. Maybe she'll answer questions. I hope she does. I think that's what our country needs. If our president's an idiot and doesn't know how to finish a sentence. If our vice-president can't talk herself out of a cardboard box without repeating herself 10 times, maybe this woman can do it. So let's see what she has to say in her opening statements about her newest position. Right. I just want to say a few words about how honored I am to be here with all of you today. In this role, in this room, standing behind this podium, I am obviously acutely aware that my presence at this podium represents a few firsts. I am a black gate immigrant woman. The first of all, three of those to hold this position, I would not be here today. If it were not for generations of barriers, barrier breaking people before me, I stand on their shoulders. If, if it were not for generations of barrier, barrier, breaking people before me, I would not be here. But I benefit from their sacrifices. I have learned from their expects excellence, and I am forever grateful to them. Representation does matter. You hear us, you hear us say this often in this administration and no one understands this better than presence. Which is why his administration is not only the most diverse in history. It is filled with barrier breaking women and men from the vice-president to the cabinet secretaries to his Supreme court nominee to senior staff throughout this administration. When I did my first briefing as principal. Okay. That's enough. So we know exactly how she opened. That was, I am the first black gay immigrant to ever have this position. Okay. So maybe you should start with your qualifications, not your skin color, who your sexual preferences are for in a bedroom setting and your immigration status. If that's how you start your opening sentence of your press secretary career, and then continuing it with representation matters. I only have this position because of these three things. I don't know, that's down the good start. I don't know if that's the only reason that she's in the office. It's kind of sounds like it from that statement, right. Maybe you should lead with the fact that here's your education, here's your background. Here's what I believe in, you know, whatever this is, you know, maybe the opening statement shouldn't be. Racial divide, sexuality and immigration status. I don't know who am I? Just a guy, but that, to me says a lot about where this is going to go. Now to me, I don't know. It's, it's, it's just, it's, it's crazy to me that this is going to be the person who is who's following up on gen Pataki and we know why they did this right there. They're like insulating themselves from criticism. They're like, oh shit, we shouldn't have put the red headed white girl in there. We, we gotta, we gotta put, you know, a gay black immigrant in there to, to so that we can't be questioned, but so harshly by Peter Doocy without him being a racist homophobe. And it seems to me like it's insulation against Peter Doocy. So that now he has to tread a little bit later so that the, and when he does not, he's going to be severely lashed by the left for, for not treading lightly with, with the minority crowd. So here is her take on the baby formula, short his conversation, and then we'll dive into that. And start that, that topic here. So here it is. Go ahead. I was on a separate topic. The president told my colleague Jeremy diamond on Friday when he asked that the administration should have acted sooner on baby formula shortage. If we'd been better mind readers, I guess we could have this doesn't seem like a situation that would have required mind reading. As you know, the recall state back to February, I believe political reported months ago that the FDA was forced warned about the suspected bacteria issue as early as September. Are there any specific actions that this administration took meetings, phone calls of briefings in February or any earlier to begin addressing this potential shortage of, I mean, you've heard us talk about this. You've seen my colleagues on, on. Talking about what we have done since you know, since February we've been, we've been working on this 24 7, but I do want to give you a little bit of an update on where we are. So getting more safe and fit formula onto shelves across the country is one of the president's top priorities, right? This is something that he is focusing on very acutely. And again, I said 24 7, we have been working on this since we have since we learned about this back in February, it's important to remember this shortage exists because Abbott closed the facility closed the facility because of safety concerns from the FDA, the FDA is working closely with avid to bring the facility back online safely. That's the. All of the us, all of the all of the, you knows all of the, and, and this entire time she's looking at a piece of paper. She's literally looking at what she should be saying. If you watch the press secretary, they flip, flip, flip, flip, they find the topic, they look at their response and then they try to give some eye contact. Every, I dunno, know every few periods that they find themselves in. They try to give some eye contact, a little bit of hand motion really goes a long way. And she, she has finds herself even with a piece of paper in front of her. I'm going completely off the cuff. So you'll probably hear some ums. You probably hear some Oz, you know, is kind of a part of my, my vernacular, right. Is a part, you know, there's all these filler words that I get here, but I'm completely just talking with you guys. Like we're sitting at the bar, right? Like I'm not sitting there with a pen and a pad and a notepad, and I'm also not paid an exorbitant amount of money to speak to the entire general public on behalf of the most. The most powerful individuals in the world and it just is, it's so crazy to me to continue that original conversation from before. Well, let, let's continue and see what she says about this baby formula shortage. Yeah. Safely. We want to make sure that this is done in a safe way. We are very, we are very close to having a path forward to safely reopening of the facility. We can, you can expect a an announcement from FDA later today on that, that we'll go into more details. We're also moving as quickly as possible to safely bring in additional product from other countries as soon as today. We will be able to make an announcement on the expedited process to bring additional safe conduct product to the American stores, shell, to American store shelves. And throughout the weekend we've been working closely with manufacturers and retailers to identify transportation and logistical needs to increase the amount and spread of FDA approved formula, being shipped into the country and ensure that formula is quickly moving from factories to retailers. The president understands he gets this. He gets how stressful it is for parents trying to feed their children, which is why we're, we're leaving no stone unturned to make more safe formula available. If parents need help finding formula I encourage them to consult their pediatrician or visit HHS gov Ford slash formula. But we have been working on this from the, from, from February, our, our administration has. Just curious, whether there are specific meetings, briefings, you know, phone calls and you can point us to, I don't have anything specific for you to point to I'm I'm, I'm happy to, to go back and get that, you know, make sure that we are fully transparent on what we've been doing, but this has been this is an important you know, this is an important priority a top priority for the president. He's his team has been working overtime to make sure that we get formula back on the shelves and we want to do this in a safe way. And I, and again, we cannot forget how we got here. Abbott calls a facility because of safety concerns from the FDA. The FDA wanted to make sure that we formerly was going out in a safe way. And that is the job of the FDA. And that is the job of this administration as well, very quickly on added a secretary of the Sarah said today, in terms of when things will be back to normal, that. All right. I really don't care about the rest of that. The point of that is there's this there's a baby formula shortage, and they want everybody to be terrified about this baby formula shortage. And they called it before the shelves were empty. And then in the midst of the baby formula shortage, the, they shut down two of the biggest plants in the world for baby formula, which is Abbott pharmaceuticals. Now, if you don't know anything about baby formula and most people don't, I really haven't done much research into this until it was an interesting topic for me when I had children. And when my wife kind of came to me, you know, it didn't really come to me, but just had the ongoing conversations about breastfeeding and, and, and the amazingness that is breastfeeding. So let's, let's jump into this conversation a little bit. They are trying to inflate this sense of scarcity. The sense of you should be fearful. And everybody that you know, that has children should be fearful, right? They, they need to keep you in a fearful state. If it's. COVID it's Ukraine and Russia. And if it's not Ukrainian Russia, it's food shortages. And if it's not food shortages, when that's not working enough, it's baby formula shortages. And if it's not baby formula shortages, this is whatever the next thing is going to be. There's always going to be that next fear mongering step for these companies. Now, I bet you, if we go and look at who has a large stake in these Abbott pharmaceuticals in Nestle in all of these large corporations that produce baby formula, I think we probably have some familiar names in there just like we were discussing earlier. So baby formula, baby formula was formulated back in 1846. I believe by a chemist. Now the original idea with baby formula, a lot of times you had to get a prescription for it up until I don't know. I don't know the year, but you had to get a prescription for baby formula. The idea was to be supplementing your child's nutritional intake. So. What would I teach my children about nutrition is usually if it doesn't, if it's not made by mother nature, if there's all the 46 ingredients, like my daughter asked me, what's in, she, she was eating the thing of chicken biscuits and she's like, well, well, how do they make, what, what, how are chicken biscuits made? And I read her the 45 ingredients that were on the back of chicken baskets. None of which was chicken and none of which was biscuits. So it's the same thing with baby formula is, is they had to, for, for thousands of years, 20, for whatever, for whatever history you follow of how long the human population has been around Neanderthals whatever osteopathic, whatever personal hood humanoid individual you've had, baby formulas been around for less than 200 years. Less than two, 180 years, this has been around. And all of a sudden it's like the gold standard for nutrition, for our children, even though every little bit of what your child needs is built in to the mother, it's truly incredible. The miracle that is a woman. And, and we're seeing this being stripped from them by saying, men can get pregnant and, oh, you don't need to breastfeed because the, the, the, the trans men who are pregnant, wouldn't even have that ability anyways, you know, it's like, they're, they're trying to D they're trying to take away the super powers that is femininity and, and, and diminish it to. Baby formula and men getting pregnant and bursting people and all this ugly gross what's that show the Handmaid's tale bullshit, like women are our literal superhumans. They have everything your child needs to survive within their own bodies to create, to literally take a. Seed and turn it into a, whatever is the complexity of a human that is more, it's literally an organic 3d printer that, that creates the most unbelievable organism that the, the, the craziest technology that we have today could never duplicate your neurons, your brain, your consciousness, your ability to move your there's. None of that, none of that comes from us. That is, that is the, the mother nature. That is God. That is the universe. That is the rift. We are a reflection of the universe and the women are the most powerful of us. Sorry. Men, women have everything that we need within them. Or within them, sorry, I'm not a woman. I know that's a crazy statement to make these days, but I am not a woman. I can not to birth a child and I do not have Milka ducks. So, all then you're like, I've literally seen my wife do some unbill like my, my son had a baby acne, right? Every baby gets these little bumps on their face and my wife put breast milk on it. It was a little bit gone the next day, the next day it was gone. They got Stein in his eye and breast milk gone, gone. Unbelievable. So this baby formula idea is taking away the power of the woman. And I understand that there's, you know, I don't want this to be like, don't, don't take this as me looking at women who have formula fed their child's in, in like B rating, you are like trying to diminish what you did for your child. You did what you needed to do. And what you were told was right for your child. And oftentimes, maybe that was giving them some pharmaceuticals forty-five ingredient bullshit that. I don't know, but I, I don't want you to take this as me diminishing your decisions and what this, what I'm going to show you here in the articles that I'm going to pull up in the, in the scientific studies I'm going to pull up are going to show you the malicious intent of the marketing behind this machine that is big pharma and, and, and the fact that they, they took it upon themselves to make you believe that your children in you don't have everything that you need within your own household, in your own body to give your child where they need to grow into a healthy individual. Okay. So let's go ahead and let's, let's discuss this shortly. There's actually an interesting, I was listening to this. I posted on. A few things about baby formula. The first thing that came to my mind when baby formula shortage rep is why the fuck are we giving our babies pharmaceutical 45 ingredient, Abbott, pharmaceuticals, Nestle, all of this BS, pharmaceutical crap to our children from birth. And so you start diving deeper into the marketing aspects of these, of these companies, these pharmaceutical companies, and the, the, the, the gross Snus that came with how they pushed this there's this idea of baby formula. Now, now there's two ways that you can do this. You can push this this type of mass movement of, of money. And one way is through fear. And we saw that with COVID and we saw that with the vaccine. And the other way is is, well, I guess there's three there's there's fear. There is addiction. And then there's what's the word I'm looking for? Ease of use it is like taking away the, the difficulties of life, right? Like, so I've watched breastfeeding with my wife and my children, and then I've seen them. It's very difficult. Sometimes there's a lot of things that can come up. A lot of soreness in, in, in some women don't produce enough and, and all of these difficulties that can happen with breastfeeding. And so what the pharmaceutical companies did is said, they said, we are, we have the solution to your difficulty, right? We, we are the ones who solved this problem, not God. Right. I posted on truth. Two is like on the seventh day of, on the seventh day, God had created on the seventh day, God appointed the CEO of Abbott pharmaceuticals because he knew the first six days weren't enough to give them nutrition to the children. So it was like, no, the first six days were correct. There is no seventh day. He rested because he deserved it. Right. Everything that we need is within the body of the individual. And so what we'll see is that it was the, it was the presentation of a solution of, of a, a solution to your problem of that difficulty in breastfeeding is hard, is like, I've, I've watched it, right. I'm not just coming from like, oh, the you're a man. You don't get to discuss this. No, I've seen it. I've seen the difficulties of it. I know what women go through. I I've, I've watched some, some very difficult times that my wife's gone through breastfeeding. She didn't breastfeed all of our children when we were young, when we had our first and, and it wasn't completely, you know, the formula was used in, on all this stuff. So we were, I was a part of that. I'm a I'm in that group. Right? So again, don't, don't take this as me diminishing anybody who decided to do that. So let's go ahead and watch this clip. Joe Rogan discussed it a few days after I discussed it on my. Social account about, you know, the, the evils of the breastfeeding machine. All right. In here it is. I keep hearing there's a formula shortage, which is terrible. The baby formula. Yeah. I saw that recently. How was that? What's going on? What's going on there? I don't know. I mean, how the fuck do you not have enough, baby? I I'm happy. They don't first of all. And I'll tell you, he why please do baby formula. Ain't no good for babies. It's not, not most, most of them are not, but some women can't pump. Right. Right. For whatever reason, their milk ducts. Absolutely. Absolutely. And there's alternative formulas out there. Like there's really good. Some of them are like soy based. I'm like, I don't get your child, but like when you talk about, I don't want to name companies, cause that could get me legal issues, but. The formula that's on the market has a lot of toxic ingredients in it and it ain't good for babies. What, what kind of toxic ingredients? I don't know. I haven't studied this stuff in years, but let people do their own research. Right. And let and let people go. And there's a lot of people that have done this research. Let's see if we could find it, find out what. So the first thing that he says there is that I'm happy that there's a shortage. I'm happy that it brings up this conversation surrounding why women should know that breastfeeding is, is literally the biggest and most unbelievable miracle of life. It's it's it's like right behind actually giving birth to a child. Breastfeeding is right there. The fact that you have all the nutrition in your body, the things that your body's creates, the antibodies that you give your child is unbelievable. And he talks about some of the negative things that are within breastfeeding and within this within the actual Within the actual ingredients of some of these baby formulas. So I did a little bit of research on that and they was like, Hey, let's pull this up. I, he did not do enough research. I did. So here we go. Let's go ahead and talk about some of the ingredients that are actually negative within baby formula. So some of the things that are within baby foremost, I pulled up a few different things. Now, if we go through the, the ingredients, this is from M Enfamil and that's one of the most commonly used baby formulas. Now, here is the ingredients for you guys and I'm going to read them off. Okay. Non-fat milk. Lactose vegetable oil, Palm oil, coconut soy. Hi, Alessa, sunflower oils, whey protein concentrates galactose glass. So charades, poly dextrose, Marta. Sorelli a L peanut oil. Grip the condemn Liam Cohain oil, calcium carbonate, potassium, citrate, pharaohs, sulfate, potassium, chloride, magnesium oxide, sodium chloride, zinc, sulfate culprit, sulfate, magnesium, sulfate, potassium, oxide, Sophia sodium, Selah, date, soy lecithin, Coleen chloride sorbic acid. And  calcium. Okay. That's half the list that you get the point. Okay. Now what I did is I took some of those ingredients and tried to figure out what the hell they are and what some of the side effects of those are. And here's some of my research. So one of those things that I went over was galactic tool ego, no saccharine. Okay. Now, one of the things that, that ingredient specifically causes auto immune diseases, such as multiple sclerosis, lupus, rheumatoid arthritis, or other conditions galacto oligosaccharides might cause the immune system to become more active. This might increase the symptoms of auto immune disorders and diseases. If you have an autoimmune disease or condition, it's best to avoid this medicine until more is known. Now, the next thing is poly dextrose. Poly dextro says for pregnancy and breastfeeding, there isn't enough available information to know if poly dextrose is safe to use as a medicine when pregnant or breastfeeding, stay on the safe side and stick to food amounts. Children, poly dextrose is possibly safe for them. When added to formula at concentrates of 2.4 grams per liter, a formula, it is also possibly safe for children four to eight years old at doses of four grams daily. Okay. I like that possibly safe. Just, just a nice legal term to say we have no idea what we're doing. Just shove it down your kid's throat and don't Sue us. And here's how you can't because we said it's possibly safe. Soy soy is co commonly consumed in foods. However, soy is possibly unsafe when used in larger amounts found in medicine. And when pregnant, you know, maybe you shouldn't do it when you're pregnant, but you should definitely shove concentrated amounts of this stuff into your child's body directly. Okay. So here are some of the things, so he's commonly consumed talks about breastfeeding. There isn't enough reliable information to know if it is safe to consume in large amounts. And then it says that soy is possibly unsafe when used as an alternative to cow's milk and children who are allergic to cow's milk. Oh, that makes sense. But it also shows that there's a relation to breast. There is a relation to underactive thyroids, kidney failure, kidney stones, milk allergies, and bladder cancer all from soy. And that's within your baby's formula. Morda Barela Alpina oil. Now what this is, is an extracted oil that comes from mushrooms and other like algae and, and they take this to try and basically super impose something called DH a and DHA is, is a Large portion of what's positive for your child. One of the, one of the many things that's positive for your child from breast milk. And they tried to duplicate that by putting it from this, you know, cause they can't actually do it any other way because the miracle of life and the miracle of a woman's body, they took algae and they took mushrooms and extracted it through this oil solvent. And so it says that and this was a study that I, I researched about this mortar mortar irrele L peanut oil, which showed that rats had an organ weight determinations carried out which showed statistically significant differences in absolute liver weights in males, relative brain lung, and adrenal weight weights in females, as well as absolute and relative spleen weights in females. So there was a variation in the Oregon weights based on just this one specific product alone. Okay. That's one thing. That's just one thing. Okay. There's, there's three pieces of the 45 ingredients that we just talked about. Okay. Now let's go ahead and continue this Joe Rogan clip. I think it's important to give it its due. Cause they go over some, some pretty good stuff here. Let me go ahead and we'll continue that conversation right now. Bad about baby formula, pull up the ingredients. Just Google. What's bad about baby formula. Okay. You might have to use, it might be an alternative that would give you a bad what'd you say bad blog results. Like that's going to give you oh, goofy shit that people are trying to sell stuff. How about toxic ingredients in baby formula that might, that might work? What are you doing over there? Jimmy Breslin with that microphone. But I don't know. It's definitely better to have breast milk. Yes. Yes. I think for some women that's an impossibility. Right? So then maybe you got to have. That formula. Right. But I think a lot of women also can't afford the breast milk because breast milk is expensive. You know, if you can't nurse, but you mean buying breasts. Yeah. It's very expensive. Yeah. That stuff is very expensive. So it's hard to get alternatives, blah, blah, blah. And the thing is that there are people that are making babies. There's so many times I'm going, I want to interject on this. So, so, so here's the position that I held when it comes to the Roe V Wade position. You know, I do talk about pro choice is like, you know, I'm pro choice. I believe in adoption. I believe in parenthood. I believe in contraception. I believe in abstinence, you have many choices. One of those choices should not be having double. Right. Okay. There's one position to hold right now. My belief system, when it comes to breastfeeding is that there are other options. The only other option is not giving your child a 45 ingredient, pharmaceutical powder made by Abbott pharmaceuticals, right? There is other options. And we're, we're just, just by closing your eyes and not looking at them doesn't mean they don't exist. Right. There's literally a M

If someone told you something like; “If you leave your house tomorrow, something bad will happen.” What would you do? You'd probably either be horribly confused, slightly offended, or maybe you'd even laugh, thinking it was all some big joke. Either way, you're left with no explanation. So, obviously, you ignore the encounter. Whether or not something bad happens the next day is a whole other story. Without understanding how this stranger arrived at this conclusion, you have no reason to believe them. Then, how easily do you believe a machine learning model without knowing how it came to the results that it did? Or do you need an explanation? Meet Michael Kollo Michael's Role as a Data Science Leader at Qurious Analytics Dr. Michael G. Kollo is the Founder of Qurious Analytics. Qurious Analytics aims to breach the gaps formed from the lack of technical expertise and effective communication skills through research, education and mentoring for both technical and non-technical audiences. Michael is a seasoned executive and quant from the asset management industry. He has led research teams at Blackrock, Fidelity, Renaissance Asset Management, and more recently in Axa Investment Managers and Hesta, a 60bn asset owner in Australia. As well as leading quantitative research and investment teams in London, San Francisco and now Sydney, he recently joined an AI technology startup as Chief Economist, dealing with the impact of automation technologies on the global workforce and industries. Michael is known in the industry as an AI and quantitative expert, both in the fields of asset management and technology startups. He frequently speaks at conferences, both locally and globally on topics of intelligent systems, forecasting in financial markets, ethical AI, reasoning systems and explainability, and impact of automation in global workforces and economies. Michael's Other Work in the AI Industry Michael obtained his PhD from the London School of Economics, Imperial College and at the University of New South Wales. He was the Chief Examiner for the external finance programme of the London School of Economics, and the Adjunct Professor at Imperial College where he taught Quantitative Finance in the Masters stream. He has also mentored Fintech and CyberTech startups in London through the Barclays Accelerator programme. On top of that, Michael is a published author in both academic and private sectors, with thought leadership pieces, white papers, and the opening chapter in the best selling "Big data and machine learning in quantitative investment.” Michael writes regularly for industry publications on the topic of AI and alternative data. He is also a regular speaker at global quantitative research and institutional industry events. Explainable AI, AI adoption, and Quant In this exclusive analytics podcast episode, Michael shares: How human trust is under threat with rise of AI Research topics that have stuck with Mike and how quickly the world changes with AI His background and work in AI in the Quant field How AI adoption is progressing in the background, especially in investment fund management and superannuation Main reasons for the lack of adoption of AI in these industries How explainable AI plays a part in these industries A case study of when explainable AI was critical to success in these industries What area he would focus on if he was starting his career today What he would tell his 20-year-old self if he could If you are in the executive management team in the financial industry trying to understand how to improve AI adoption in your organization, this is the episode you do not want to miss out on. --- Send in a voice message: https://anchor.fm/analyticsshow/message

Join co-host of Sonic Dorms, Max Davallo as he welcomes first time guest DJ and music curator Hesta Prynn to the show. Based out of New York City, Hesta Prynn is everything you could ever want out of a trusted ear with an incredibly eclectic taste for music. She's had a well-respected career which ranges from her involvement in the hip hop/indie rock group Northern State ( in which she worked with music legends such as Adam Horovitz and DJ Muggs, amongst others) to her recent creative endeavors as a Air Host on SIRIUSXM Radio.During the episode we run through Hesta Prynn's entire career, which involves everything from her early music roots, to her breakthrough moment as a professional DJ.► Check out DJ Hesta PrynnInstagram: https://www.instagram.com/hestaprynnmusic/?hl=enWebsite: http://www.hestaprynn.com/

Adam Gilmour is the co-founder and Chief Executive Officer of Australian rocket company Gilmour Space. His business is backed by some of the largest institutional investors in Australian, including Hostplus, HESTA and NGS Super, as well as several venture capital firms. In this interview, we talk about the business of rocket launches, space cargo, interest from institutional investors and Chinese spies. Enjoy the show and don't forget to subscribe through your favourite platform. Overview of podcast with Adam Gilmour, CEO of Gilmour Space 1:00 Starting as a derivative trader 3:30 Where do you start launching rockets? ‘You start small” 6:00 We are the Fedex of space 7:30 We started the company to take people into space 8:00 I fully intent to go to space in one of my vehicles 8:45 Pension funds backing Gilmour Space 10:00 There is an element of nation building in Australian super funds 11:30 Challenges of being an Australian-based space company 13:00 We estimate that the industry for launching small satellites into space will grow to $5bn by 2025 14:30 Impact of the pandemic: supply chain issues 16:30 How do you build a rocket. 17:30 How Gilmour Space become the object of Chinese spies 19:30 Putting people on Mars is unrealistic in the short term and inevitable in the long term. 22:00 If you are going to shoot things into space, the moon is a good place to do it 23:00 Favourite science fiction book: Orson Scott Card's Ender's Game 25:00 Getting to space in the next 12 months

In episode 14 of The Psychology of Successful Women Podcast, Shona and Sam have a really open and engaging conversation about: Sam’s fascinating and really diverse career journey Her personal tips and advice to help other women build a successful and fulfilling career on their terms Sam’s two-pronged approach to dealing with setbacks and building resilience The importance of listening to and testing your intuition in business Her passion for diversity, equity and inclusion and IGO’s involvement in the HESTA 40:40 Vision Advice she would give her younger self and so much more About Sam Retallack: Sam Retallack Head of People & Culture, IGO Ltd Dip App Science, B. Health Science, CAHRI, GAICD Sam joined IGO in 2013 as Human Resources Manager and was appointed Head of People & Culture in 2017. Sam has over 25 years’ experience in senior management, human resources, consulting and operational roles working for a range of organisations. Prior to joining IGO, Sam led large workforce- based businesses within Aherns Department Stores and Ansett Airlines, before turning to roles in Human Resource management across the mining, finance, legal and biomedical sectors. Sam’s role is to provide leadership and oversight of all People and Culture activities, including diversity, equity and inclusion initiatives, learning and talent development and reinforcing the organisation’s culture, purpose and values. Connect with Sam here: LinkedIn: https://www.linkedin.com/in/sam-retallack-69151819/ The Psychology of Successful Women podcast with Shona Rowan explores the mindset, behaviour and success strategies of high-achieving women. Shona Rowan is an international performance and mind-set consultant, inspirational speaker and high-performance coach. Over the past 20 years Shona has helped thousands of women accelerate their success and maximise their results via her practical workshops and webinars, large events and her signature program – “The Psychology of Successful Women – Career Acceleration Program”. She also works internationally with global companies to inspire, develop and retain their female staff and clients.See omnystudio.com/listener for privacy information.

Í þessum tuttugasta þætti, og jafnframt síðasta í þessari fyrstu þáttaröð, ræða Gyða og Anna Margrét um ljóðabækur og bókina Hesta eftir Rán Flyering og Hjörleif Hjartarson. Bækurnar eru allar upplagðar í sumarlesturinn og myndu sóma sér vel í ferðalagi eða á teppi í lautarferð.Ljóðabækurnar sem þær ræða um eru bækurnar Spegilsjónir eftir Guðrúnu Hannesdóttur, Les birki eftir Kari Ósk Grétudóttur, Havana eftir Maríu Ramos og loks ljóðasafn Kristínar Ómarsdóttur. Skúffuskáld á Instagram og FacebookLubbi PeaceSendið póst á netfangið skuffuskald@lubbipeace.com með ábendingar og vangaveltur.

The Morrison Government has allocated $17.7 billion for aged care in its budget, but yesterday, Treasurer Josh Frydenberg conceded inflation will outstrip wage growth this year. A new report out from HESTA, the super fund for workers in the health and community service sectors, found employees are leaving or want to leave aged care because of poor wages and a lack of career opportunities.

In this podcast, we speak with Daniela Jaramillo, Senior Responsible Investment Adviser with pension fund HESTA about the risk of the transition to renewable energy and a low carbon economy, whether to divest or to continue engagement and socially stranded assets. This podcast is brought to you in partnership with Trillium Asset Management. Please enjoy the show. Overview of Podcast with Daniela Jaramillo: 1:00 Founding a non-profit and moving to London 4:35 What practical steps are you taking to reduce carbon emissions? 5:00 We don’t want to just do carbon accounting. We want to make a real difference in the real world 8:30 Most Australian businesses have the ability to transition (to a low carbon economy), but they need the will and sometimes encouragement of public policy 9:30 Thermal coal divestments and stranded assets 11:40 Do ESG policies introduce unintended skews? Value companies are more asset heavy than growth stocks. 12:30 It is possible to have value in portfolios without deviating too much from benchmarks. 14:00 We are interested in reducing emissions in the real world, not just in our portfolio. So if we simply divested, then that risk is still out there. 17:30 The use of shareholder resolutions is changing in Australia and they are sometimes seen as a way of formally communicating a view to a company. 20:00 Social issues have become real risks for boards. They really need to be ahead of the next movement. Do I have a social stranded asset risk within my organisation? 22:50 Juukan Gorge and financial risk 26:20 Lack of standardisation in ESG ratings 29:00 Big data and ESG research 30:00 SDGs as a framework for solving big problems. 33:00 SDGs from an investment perspective. 34:00 Looking ahead: HEMA, climate transition plan and measurements 36:00 The pandemic and systemic risk

In our latest QPod episode, QIC's CEO Damien Frawley talks about our most recent QIC Super Fund Media Roundtable initiative and highlights the invaluable role that super funds play in not only navigating the current uncertainty for their member's retirement needs, but in rebuilding our national economy. During this QPod episode, “Investing for Australia: The Contribution of Super Funds”, Damien also discusses: - His first impression, as the CEO of one of Australia's largest investment managers, when the government mandated the COVID-19 Early Release Scheme - The impact super fund capital makes when it is able to be directed towards long-term opportunities - The value of illiquid assets in helping investors meet their long-term strategies. He also provides some tangible examples of the value that active management plays in not only increasing the value of illiquid assets, but in driving benefits for communities and clients alike. The QPod episode also features excerpts from the QIC Super Fund Media Roundtable from David Atkin from Cbus, Debby Blakey from HESTA, David Elia from Hostplus, Vicki Doyle from Rest and Bernard Reilly from Sunsuper – and we once again thank them for their participation. Disclaimer: This information is solely for general information purposes. It is not financial product advice or an offer to sell or solicitation of an offer to buy securities or any other investment, investment management or advisory services. In preparing this information, QIC has not taken into account any investor's objectives, financial situations or needs. QIC does not represent, warrant or guarantee that the integrity of this information has been maintained or that the information is free of errors, virus or interference. You are not permitted to rely on this information, and any reliance on it, or decisions made based on it, are your responsibility. QIC therefore accepts no liability for any reliance on this information. Copyright QIC Limited, Australia. All rights are reserved. For more information about QIC, our approach, clients and regulatory framework, please refer to our website www.qic.com or contact us directly.

This episode opens with Tom and Hesta in the Jenny Haniver, they are set on course for London.

Shrike is still chasing after Hesta, announcing London has plans for her.

Pleased with the distruction Hesta has created, Shrike has made his way through the marshes.

Í þessum þætti ræðum við öndunarkerfi hrossa, virkni þess og hvað er vert að hafa í huga þegar við þjálfum hross. Við ræddum einnig öndun knapans og hvernig hún tengir okkur við hestinn og getur hjálpað okkur við þjálfun. 

In this bumper sized epiosode we find Tom and Hesta wandering the Rusty Marshes, surely no town would hunt out here.

Tom discovers Shrike and Hesta's past.

Once Tom and Hesta are aboard the Jenny Haniver, Mrs Fang sets her on course for Airhaven the floating city.

Tom and Hesta are still stuck aboard Speedwell as it aproches a trading cluster, will this be there time to escape?

The business case for diversity and inclusion at the top of our corporations has been soundly made, and many leaders have issued rallying cries to do better. The voices of investors have joined the chorus for change – including our industry superannuation funds. They have sent a clear message to corporate Australia that investment decisions will be influenced by performance on diversity, inclusion and broader environmental, social and corporate governance (ESG) issues. MinterEllison’s Amanda Watt, Partner and Board Director, discusses the risks inherent in a lack of diversity and inclusion in our workplaces with CEO of the HESTA superannuation fund, Debby Blakey. See omnystudio.com/listener for privacy information.

Mark Burgess, Chairman/Investment Committee Director at HESTA was interviewed LIVE on the Traders Network Show, hosted by Matt Bird, at the 2019 Greenwich Economic Forum in Greenwich, CT.To inquire about being a guest on this show or others: Matt Bird CommPro Worldwide C: +1 (646) 401-4499 E: matt@commpro.com W: www.commpro.com

Doc, Kötturinn og Hörður Snævar voru saman eftir myrkur.

CEDA's two part podcast series on superannuation views the recent changes to super and the Retirement Income Review through the lens of the Financial Services Council and HESTA. In part 1, CEDA CEO Melinda Cilento and Financial Services Council CEO speaks about the Retirement Income Review, striking a balance between catering for pre and post retirement financial life, the role COVID played in educating the public about superannuation, and how the 'YourSuper" tool will help keep the public informed.

CEDA's two part podcast series on superannuation views the recent changes to super and the Retirement Income Review through the lens of the Financial Services Council and HESTA. In part 2, CEDA CEO Melinda Cilento and HESTA Head of Impact Mary Delahunty discuss how COVID has shone a light on the state of Australians' financial resilience, whether increasing the super guarantee is the best bang for Australia's post-retirement buck, Your Future Your Super, and drawing more focus to all aspects of the performance of a fund.

Hlaðvarpsþátturinn „Enski boltinn" er á sínum stað í dag líkt og eftir allar helgar í ensku úrvalsdeildinni. Hlynur Valsson, lýsandi á Síminn Sport, og Ingólfur Sigurðsson fóru yfir umferðina að þessu sinni. Það eru White Fox, Viking gylltur (léttöl) og Domino's sem bjóða upp á þáttinn. Meðal efnis: Son og Kane í banastuði, góð kaup hjá Spurs, Tottenham getur orðið meistari, Arteta eins og snákasölumaður, öruggur Curtis Jones, Klopp fær allt út úr hópnum, framlína Wolves floppaði, lúðalegur Kelleher geggjaður í markinu, munur á hálfleikjum hjá Man Utd, Bruno Fernandes gerir alla betra, fjögurra hesta barátta, Chelsea búið að finna varnarlínuna, Manchester City að komast í gang, leiðarlok hjá Aguero, vilja sjá Messi í Man City, Sheffield United ekki yfir 20 stig?, eins og önnur íþrótt með áhorfendum, Zaha í stuði og margt fleira.

The numbers tell the story: just ten of the 200 CEOs leading our top listed organisations are female. It's actually going backwards. Worse, the roles that typically lead to CEO positions are still also dominated by men. Are there not enough "meritorious" women in the country? Hardly.Does appointing women to more boards and executive positions aid company profitability? Yes! it makes a significant financial difference, according to recent research. Shivani Gopal and Angela Priestley talk the latest research, and also look at a new investor led initiative being led by HESTA that's aiming to significantly shift the dial. They ask, what's going on and needs to change? In this episode we also hear from Debby Blakey, the CEO of HESTA. Stories discussed in this episode include: Just 1 woman among 25 CEOs appointed in past year. We need a reset and in 2020 we’ve been given oneHESTA to lead fund managers in campaign for 40% women executives in ASX200It can seriously pay to get more women into leadership. This new research shows howThe Women's Agenda Podcast is produced by Agenda Media. You can check out our second podcast, The Leadership Lessons, sharing critical lessons with female leaders for the decade ahead. You can subscribe to The Women's Agenda Podcast on iTunes, and see all our recent episode (including our budget special) here. See acast.com/privacy for privacy and opt-out information.

With super funds eager to continue improving their data management systems, we sit down with a panel of data experts from J.P. Morgan, HESTA, AustralianSuper and the Accident Compensation Corporation (NZ) to get an insight into how they are building better systems. We cover the data needs for internalising investment teams, communicating with board members, and how data systems have helped funds navigate market volatility in 2020. Plus, we look to the horizon with what key data system considerations will be front of mind in the coming year. Guests Stuart Bain, Investment Operations Manager, Accident Compensation Corporation (NZ) Vicki Martyn, Principal, Data Services, AustralianSuper Stephen Reilly, Chief Operating Officer, HESTA Jane Dauparas, Data Management Product Lead, J.P. Morgan Host Tyrell Mills, Media and content, AIST

The $52 billion super fund HESTA says it will seek meetings with 14 mining and energy companies, including BHP, Fortescue, Santos and Newcrest Mining, to ensure they are committed to building "long-term sustainable partnerships" with Traditional Owners.

Welcome to our final episode of Who Looks After The Leader? In this episode, we’re giving a recap of the series so far, including all the fantastic insights and lessons our interviewees have shared with us.Thanks so much to our guests on this podcast mini-series, including Deanna Lomas, Chief Integrated Supply Officer at NHP Electrical Engineering Products, Shaun O'Brien, National Manager of Risk Partners at IAG, Sue Bingham, Executive Coach, Effie Gorringe, Director of Operations at L'Oréal, Dirk Dobbs Strategy, Implementation and Change Executive at HESTA, and Ian Wall, Global Security & Resilience Director at Worley.You can find out more about State of Matter at www.sofm.com.au, or connect with Fraser Moore and Alex Lal on LinkedIn.You can find out more about Adam Detwiler at https://www.linkedin.com/in/adamdetwiler/

Liberia is a lot of things. Its Africa's first and oldest modern republic declaring independence on July 26, 1847. Its the only African country founded by former enslaved Black Americans who returned to the continent. Its one of the most interesting, complicated and unique nations on earth. To celebrate a special country, we decided to do a special two part series exploring Liberia. In part 1 we catch up with Hesta Baker, she's the owner and operator of Elizabeth Village Resort, a locally owned luxury resort in the heart of Liberia. Hesta has many fond memories of Liberia as a schoolgirl before a bloody coup and a devastating decade long war turned the country from one of the wealthiest in Africa into one of the poorest. She talks to us about Liberia's origins and importance to the global diaspora (5:00), what inspired her to open the resort (21:40), the need to reconcile the past (27:10), and Liberian women leading the rebuild of the country (35:30).Guest: Hesta Baker (@elizabethliberia) - Elizabeth Village ResortBig Chune: Marvin Gaye - Lets Get It On

For today’s episode, we’re joined by Dirk Dobbs. Dirk is the Head of Strategy and Product at HESTA, an Australian industry superannuation fund for workers in health and community service sectors. In this episode, we’re talking about finding opportunities during crisis and tuning out the noise, and Dirk shares his learning from emergency situations, both in a professional context as well as a very unique and time-sensitive fatherhood challenge. Dirk also talks about the importance of remaining flexible and adapting to changing circumstances, creating a window of calm in the chaos, and maintaining explicit and transparent communication. We discuss making process changes and taking action without hesitating, and Dirk also has some great advice about seeing positive opportunities in challenging times and tuning out the noise to remain focused on the task at hand in emergency situations. Tune in today!Key Points From This Episode:Dirk shares a bit about himself, both professionally and personally.The financial crisis of 2008 and how Dirk managed it by staying flexible.Creating a window of calm in the chaos by increasing communication and being transparent.How Dirk remains flexible at HESTA during COVID-19, thanks to technology.Working from home and how Dirk’s team has adapted to daily check-ins and start times.How Dirk creates a flexible work environment for his team by having explicit conversations.Something that Dirk learned from dealing with the financial crisis in Hong Kong that he is applying to his work now is to look out for positive opportunities.Making process changes, like moving from print to digital, which save time and money.Dirk talks about his wife’s home birth as a personal emergency that he has experienced.Taking action and not hesitating thanks to adrenaline and the expert guidance from 000.Some commonalities between Dirk’s professional and personal crises, including adapting to circumstances as they change, and distinguishing the signal from the noise.Dirk’s personal experience of COVID-19 and how he has adapted to functioning well.Having a dedicated workspace has been helpful for Dirk, after working from home for an extended period of time now.How Dirk has kept his team connected, motivated, and productive through the pandemic and as they move back to the office, including daily check-ins and transparent communication.

Mark Burgess is Chairman of the Investment Committee and Director of HESTA and advisor to global asset owners.He was previously CEO of the Future Fund, Australia's Sovereign Wealth Fund. He has worked internationally including as London based Executive Vice-Chairman and CEO of Credit Suisse Asset Management (EMEA) and Global CIO of Equities/Multi Assets. Other global CIO roles for American Express, Colonial First State and Bankers Trust.He is also currently Chairman of Yarra Capital, Chairman of Advisory Board of Jamieson Coote Bonds, Chairman- Asia for OMFIF – a global think tank focused on central banking and financial markets, board member of a large family office, advisor to IP Group – a leading investor in early stage academic research, Enterprise Professor at University of Melbourne and Chairman of Melbourne Girls Grammar School. He is governor of Cerebral Palsy Foundation and Chairman of DB Foundation – supporting state school students who reach tertiary education.

BE SURE TO SEE THE SHOWNOTES AND LISTEN TO THIS EPISODE HERE. Eve Picker: [00:00:03] Hey, everyone, this is Eve Picker. And if you listen to this podcast series, you're going to learn how to make some change.   Eve Picker: [00:00:19] Eve Picker: Thanks so much for joining me today for the latest episode of Impact Real Estate Investing. My guest today is Jeremy McLeod. Jeremy is the founding director of Breathe Architecture, an architecture studio located in Melbourne, Australia. Breathe is a world class architecture firm delivering fabulous projects to its clients. But Jeremy isn't resting on his laurels. He really cares about the ever widening gap between those who have wealth and those who do not. And so 12 years ago, he embarked on a journey to deliver sustainability and affordability in one housing model. His first project, The Commons, was met with huge success. Now, with a waiting list of over 8000 buyers, he intends his Nightingale project to be an open source housing model led by architects. Be sure to go to Eve Picker dot com to find out more about Jeremy on the show notes page for this episode. And be sure to sign up for my newsletter so you can access information about impact real estate investing and get the latest news about the exciting projects on my crowdfunding platform,Small Change.   Eve Picker: [00:01:35] So hi, Jeremy. It's really lovely to finally meet you.   Jeremy McLeod: [00:01:40] Yeah, I did think we were doing this interview over Zoom so I was surprised to see you in my office in Australia. Thanks for coming.   Eve Picker: [00:01:46] Oh, you thought it was by Zoom. I told you it was local. It's really fun to be recording in your beautiful building and actually see it because I've really wanted to do that for a long time. So you're an architect and you've taken your fabulous education and you're working on a new housing model for Melbourne, Australia, where we're recording today. And I wanted to talk about what's kind of driven you to think about that, to develop a better housing model and what even that means.   Jeremy McLeod: [00:02:16] It's not hard to build a better housing model in Australia. It's because our housing system is broken. I mean, the interesting thing about Australia is that we're the richest country per capita in the world, yet we have one of the highest greenhouse gas emissions per capita in the world. But importantly, we have over, at the last census, we have over one hundred and sixteen thousand homeless people here. So for an incredibly wealthy country with lots of opportunity, there's incredible inequity here. And that inequity is growing. In countries, you know, Scandinavian countries or Austria or Germany or anywhere in Europe, basically, there's an affordable housing requirement. In London there's inclusionary zoning which requires you to put in 20 percent affordable housing. In New York there's inclusionary zoning, but in Australia there is no inclusionary zoning, which means that the private housing developers can build whatever they want without including any affordable housing.   Eve Picker: [00:03:18] So, not held accountable for the economy at all.   Jeremy McLeod: [00:03:20] No, absolutely not. And so in that instance, then you would assume it's the responsibility of the state to provide housing for its people. But in the 1980s, state governments around the country started divesting their responsibility for housing and people through a public housing system and started giving it to smaller, not-for-profit organizations, church-based or faith-based organizations or community housing providers to provide housing. And they started selling down their assets and importantly, stopped building housing. And so what we've seen is a steady growth of homelessness at the same time as a steady growth in wealth in this country. As an architect. I mean, before I was an architect, I studied environmental design. So I understand, you know, inherently the issues around climate change. I've looked at the issues around the last IPCC report which says that, you know, if we're not careful, we're going to find 2 billion refugees globally, a billion coming out of Africa and a billion coming out of Asia. Where do you think those people are going to be? And we also understand that people at the edges are the people that suffer the most in times of climate change. So, I mean, I think that climate change and homelessness and housing are all intrinsically linked and that we need to resolve both those issues simultaneously. And we need to resolve those issues very rapidly. The state doesn't... has divested their responsibility. and the private sector obviously is interested in returning profit to their shareholders, not in delivering kind of, you know, on corporate responsibility goals that, you know, may or may not exist within their boardrooms. So the idea for us was that we would build a model, a prototype basically to encourage private developers to change the way that they worked. And our contention was that you can build housing that simultaneously builds community that is sustainable and that is affordable and it returns some fair and reasonable return back to investors.   Eve Picker: [00:05:35] You thought this was an important role for you as an architect? Because it's an unusual role for an architect.   Jeremy McLeod: [00:05:44] Yeah. Look, I mean, of course, my first love is architecture. I would love to just design great buildings all day, every day. I would love to build great housing. But as an architect yourself, you would understand that to make a great project, you need three things. You need a great architect, you need a great builder, you need a great client. And so if we're trying to build great housing projects in Melbourne, it was, you know, let's assume for a moment that Breathe Architecture was a great architect. I can find a great builder, but I couldn't find a great client. So for us to be able to deliver on the projects that we needed to, I felt that the only way was to become our own client.   Eve Picker: [00:06:26] That makes sense.   Jeremy McLeod: [00:06:28] Yeah. And to basically build a system that could be replicated, that was kind of the birth of Nightingale.   Eve Picker: [00:06:35] Right. I watched your TedX talk, which I thought was really interesting. And you said that there's a population explosion going on here, which I know, but I think I didn't realize it was quite so rapid. But how many people in Melbourne today?   Jeremy McLeod: [00:06:48] So there's five million at the moment. We're going towards 8 million by 2050. It's essentially a hundred thousand Melbournians every year for the next 30.   Eve Picker: [00:06:57] I think it's one of the fastest growing cities in the world, right?   Jeremy McLeod: [00:07:00] Yeah. So interestingly, we've always been smaller than Sydney. We've always been the little sister to Sydney and we're now about to outstrip Sydney in terms of population.   Eve Picker: [00:07:08] Yeah, I can feel it every time I come and visit. You talked in that TedX talk about urban compression versus urban sprawl, which I thought was a really great way of describing what's available and what's probably true in most of the United States as well. The idea being that urban compression is like warehousing people in really dense, maybe warehousing isn't a way to say it, but building very dense, high-rise housing products in inner cities versus urban sprawl, which is building, you know, the American/Australian dream of a house on a lot. Right? And not much in between yet. So what's in between look like?   Jeremy McLeod: [00:07:50] Well, I mean, the interesting thing here is it's all about politics, right. So, in the centre of our city, it's all old commercial land. It was a commercial centre. So it's easy to build one hundred and eight story towers there to warehouse people, so to say, because no one objects to that, because everyone sees that if someone builds a 108 stories there, then I can then build my old shop to 108 stories and I'll get that value uplift. So it's a great capital gain. And the city, in the middle ring suburbs, so in all the places really close to infrastructure, schools, hospitals, work, public transport, those areas there are all held by the city's wealthiest population. They're well-moneyed, they're well resourced  and they've got a very, very loud political voice. And they say very clearly to the state planning minister and to the state politicians that they don't want any increase in density around them. But like San Francisco, instead, they've got no issue with density per se, just not in my backyard.   Eve Picker: [00:09:04] Yes. NIMBY, right?   Jeremy McLeod: [00:09:06] So that's right. So they're the NIMBYs. So, instead what happens is that if you're a first time buyer in Australia, if you could possibly afford to be a first time buyer here, you can't afford to buy a house in the middle ring suburbs close to work, close to hospitals, close to schools.   Eve Picker: [00:09:22] Yeah, you're very far away.   Jeremy McLeod: [00:09:24] You end up very far away. So in Sydney, I saw a graph recently where if you're a nurse and you work in a hospital and you're a first home buyer, you're an hour and a half away from the nearest hospital that you are working in.   Eve Picker: [00:09:37] Wow.   Jeremy McLeod: [00:09:37] That's three hours every day. Yeah.   Eve Picker: [00:09:40] So in effect, those people are really the ones that need to be closer to the city and need to be, have access to public transit.   Jeremy McLeod: [00:09:48] Absolutely.   Eve Picker: [00:09:49] And of all of those things to make, to make their lives work.   Jeremy McLeod: [00:09:52] Well, to make the city work for all the well-moneyed people as well, you know. Yeah. So the city works because of those people. And so, and the other issue that we've got in Melbourne is this incredible sprawl issue where currently we have built over 40 percent of our farming land. So we've got 60 percent of our farming land left, but our population is growing at unprecedented rates. At the same time, we've got pressure where China is coming in and buying our farming resources. So they're buying, you know, beef, dairy, big farmland, so I worry about food security for, you know, for Australians in the future when there's 1.5 billion Chinese and 600 million middle class Chinese, you know, in a time when food security becomes a big issue all of our food will be being exported.   Eve Picker: [00:10:49] Wow.   Jeremy McLeod: [00:10:49] So I see that as this incredible, this madness of us building over all of our good farming land.   Eve Picker: [00:10:56] And then the other piece of it is, I think you and I agree on this, that many new buildings are built as a financial commodity. And really, they're really about making money not about making place better, which is really disturbing to me because I think you can take the same money and build, you know, add to a city in a really meaningful way or not, right? So...   Jeremy McLeod: [00:11:20] Yeah, looking at examples, like there's a suburb in Sydney called Ultimo and over 90 % of Ultimo has been bought by investors. So essentially a lot of our apartments, and in Melbourne, in   Eve Picker: [00:11:36] And is that, like, little single-family houses or...   Jeremy McLeod: [00:11:38] No, so it's all apartments. So the whole, nearly all ...   Eve Picker: [00:11:41] So it's a bit of a ghost town then? Or is it just all rental?   Jeremy McLeod: [00:11:44] Well, a lot of it is rental. You know, until very recently, there were no foreign ownership maximums on how much of an apartment or, or how much of a building you could sell to foreign owners. So we were. we had Australian developers selling 100 percent of their buildings to offshore waiting lists in Kuala Lumpur or Shanghai. We would find that, you know, whole buildings are owned by offshore investors that have never been to the city or have never seen the actual apartments. They bought it off a spreadsheet through, through an investment vehicle. And of course, when you get a city built on a spreadsheet, it becomes a pretty, pretty sad outcome.   Eve Picker: [00:12:24] Right. So your journey started in 2007 when you bought the piece of land where you're sitting on right now, right?   Jeremy McLeod: [00:12:35] Yeah.   Eve Picker: [00:12:35] And, so where did you begin?   Jeremy McLeod: [00:12:38] Well, so maybe  I'll go back to 1972 when I was born. So, so my parents were a couple of hippies. When I was about eleven, my dad took me to old Parliament House to lobby the government then about public housing in a suburb called Footscray in Melbourne. So then I go on study sustainability, environmental design, and then I go on to be an architect where my focus is on studying housing. I then work for a big firm, and when I'm working in that big firm, I end up working on, you know, 88 story towers, which just, you know,.   Eve Picker: [00:13:18] And the toilet details, right?   Jeremy McLeod: [00:13:19] Yeah. Yeah, lots of toilet details, lots of stairs, correct. But it was the last building that I worked on in that big practice, I was working on the carpark for six weeks.   Eve Picker: [00:13:29] Oh, that's really crushing.   Jeremy McLeod: [00:13:30] And I thought that that was crushing and I didn't think it was a good use of my time or, it wasn't that I was interested in, you know, housing cars. What a meaningless act. So I start Breathe Architecture in 2001. When I started Breathe Architecture, the simple idea was that every room would have a window so the occupants could breathe.   Jeremy McLeod: [00:13:53] So in 2007, as an architect working in the city, we'd been working for a bunch of property developers. It was, it was disappointing. We resigned a couple of commissions, we got fired from a couple of commissions because we wouldn't back down on certain things like, you know, we wouldn't take the solar panels off the roof. We wouldn't take the,.. yeah, yeah, we wouldn't take the solar hot water out of the  building. We wanted to make sure that we got winter sun into the building, you know, like. really simple things that we wouldn't back down on.   Jeremy McLeod: [00:14:29] So after that, we decided that we would partner with some other architects and we would try and embark on building a prototype building. So there were six of us. Six architects. We all came together, we bought this site. It was originally called Nightingale back in 2007, and it took us until 2013 to finish it. So it took us six years. In the middle of it, thanks to sub-prime issues in the United States, the financial crisis washed across the shores to Australia. By the time I needed finance to build this...the idea was that it would be a zero carbon building. A building that focused on sustainability and community and affordability. By the time I needed to get money for that, it was after the financial crisis had actually, bit into Australia as well, and we lost our funding to build it. And so then...   Eve Picker: [00:15:22] Why did you lose the funding, is it because banks just got more conservative? Or..   Jeremy McLeod: [00:15:28] Yeah, banks just got more conservative.   Eve Picker: [00:15:30] So the same reasons I saw in the States.   Jeremy McLeod: [00:15:33] Yeah, and look, I actually don't blame the bank. I think that leading up to the global financial crisis, you know, it was too easy to get money. So as a group of six architects, you know, we were about to borrow seven point one million dollars, you know, on a kind of prototype project that hadn't been built before. So I can understand why the bank was nervous by the time, you know, we got into, you know, 2010, 2011.   Jeremy McLeod: [00:16:01] We went and met with a whole different raft of impact investors. We met a group called Small Giants and Small Giants bought the project off us. They renamed the project from Nightingale to the Commons because their marketing team thought that was a good idea. I can, I can live with it, but you know, what's in, what's in a name. But anyway, the Commons then ended up being delivered and in 2014, it won the National Award for Sustainability, the National Award for Housing. And it became, you know, kind of a destination for people to come and look at. And so in the following year, we opened the building up for tours. We took every property developer in the city through. We took Melbourne residents through. And we talked a lot about, you know, the importance of change in our housing model. And then the idea was, off the back of that, that we would influence change in the marketplace.   Eve Picker: [00:17:01] Well, that was one of my questions here. Has your work influenced the status quo?   Jeremy McLeod: [00:17:06] Well, the interesting thing was that when we, when we completed the Commons and it won all those awards, and it got lots of media and lots of people were interested, the answer to that is no. It was seen as an exception to the rule. And so, the idea was that the pilot project or the prototype project would influence change, but it was seen as an outlier.   Eve Picker: [00:17:26] Interesting. And like just breaking up a bit. So what is different about the Commons, this building?   Jeremy McLeod: [00:17:32] So the Commons, I think that if you want to build something that's affordable and sustainable simultaneously, every project manager says that you can't do that. Every project manager will tell you that sustainability is more expensive and so to build sustainability means that you can't build it affordably. And so instead, Bonnie Herring, who was the project architect of Breathe who led this project, her whole approach was one of sustainability through reductionism. So she constantly interrogated the idea is, if we don't need it, take it out. Ask people, what are the things they actually need not what they want from some real estate glossy brochure.   Eve Picker: [00:18:14] What they think they need because everyone else has it right.   Jeremy McLeod: [00:18:17] Yeah, but when we when we started talking to people, the interesting thing was that what people actually wanted was space, light, outlook, plants, you know, natural materials. No one wanted marble bench tops, you know, a thousand down lights, white shag-pile carpet, a swimming pool, three bathrooms, you know, what people actually wanted, we were finding, was just kind of really good meaningful housing. So our approach on The Commons was, yes, sustainability through reductionism. If I step you through that, you'll see that it makes total sense. So the first thing is, we took the basement car parking out. And why is that important? So, for a seven million dollar building, the basement car park was gonna cost seven hundred and fifty thousand dollars. So by taking that out, we reduced the build cost by over 10 per cent. But importantly, we just, we didn't just reduce the price of all the apartments by $30000 each. We also took some of that money and put it into making the rooftop garden, you know, really incredible. Where you would have ordinarily had a driveway coming in off the street and a ramp up and then a ramp down to get into that driveway and a roller door to close that driveway off to get down to the basement carpark, instead, Instead of having that there, we put in a wine shop where the driveway and the ramp would have been.   Jeremy McLeod: [00:19:42] And then we sold the wine shop for four hundred and twenty five thousand dollars. We then took the revenue from the wine shop and we used it to increase all of our glazing to get the best possible double glazing that money could buy in the country at the time. We pumped up all of the insulation on our walls. So we made all of our walls fatter. we got better insulation in them. So we used that money to improve the thermal envelope of the building. Then, that then made the apartments perform...so we've got the star rating system here, so you need kind of, you need a minimum of five stars or an average of six stars to be able to get a building permit here. And instead, we set the minimum at seven and a half stars here. The panacea is 10 stars means you don't require any energy for heating or cooling, which would be incredible. But we'll make it to seven and a half stars out there. More modelling told us that the building could operate within a thermal comfort range of between 19 and 27 degrees. And the interesting thing is that that's kind of the European thermal comfort range of the Germans deemed that to be.   Eve Picker: [00:20:47] So that's all Celsius right now. Got it. That's about ...oh I can't do that in my head right now. We'll figure it out later.our Yeah, I'll let you do the calculations. You'll figure it out later.   Jeremy McLeod: [00:20:57] But but basically, the Australian thermal comfort range, you know, is generally been seen to be in between 19 and 22 degrees.   Jeremy McLeod: [00:21:08] So by stretching it out from nineteen to twenty seven, the German comfort range, all of a sudden we found that we didn't need to put air conditioning in. When we take air conditioning out, we save another 5 percent out of the building costs throughout the building and obviously drastically reduce the operational costs and operational energy required in the building. Normally every two bedroom apartment in Melbourne at that time was being designed with two bathrooms. So a primary bathroom and then an en suite to the master bedroom. Instead we took out all of the en suites, so we had one bathroom in each apartment. We kept them at the same size. So the apartments, by taking out the really energy intensive detail-heavy bathrooms, we saved about $10,000 out of the cost of each of the apartments and all the living rooms got seven square meters bigger, which is 70 square feet. We took out all of all of the individual laundries out of each of the apartments and instead put one beautiful laundry on the rooftop, which overlooks an incredible rooftop garden.   Eve Picker: [00:22:14] And I assume you could save money on all the stacks. Correct. And the space in the unit. Correct. So everyone's. Exactly right. And the cost of all these appliances. Exactly. Seventy costs.   Jeremy McLeod: [00:22:28] Exactly. You get it. You get it. So you do that over and over again. We have one shared Internet connection. So we bring fibre into the building and we share that Internet throughout the building. So we pay for it at one point and then we use bulk buying to share that. It gets really, really cheap, really, really fast internet in a city where the Internet here is expensive.   Eve Picker: [00:22:47] That's smart. That's a very good idea generally to buy it as a retailer.   Jeremy McLeod: [00:22:50] It's expensive and it's poor quality here. And we do the same thing with the power through an embedded network.   Eve Picker: [00:22:57] So it's this constant that you're a very pragmatic approach. It's really pragmatic, pragmatic to chisel away what's really necessary in a building and and really make it work. Yeah. And think about it.   Jeremy McLeod: [00:23:10] You know, what can you share? It's all about sharing and using, you know, bulk buying and trying to get maximum utilization. So you know what? Our laundry, for example, is six washing machines, which could use a lot more than having, you know, 24 washing machines that get used in a very infrequently.   Eve Picker: [00:23:28] I think a lot of people might find that concept difficult, but I suppose you don't need to find a lot for one building do you.   Jeremy McLeod: [00:23:38] Well, I mean, initially when we started when we finished this project and we started work on Nightingale 1 and I'll tell you why we started Nightingale 1, there were eleven people that had written to us to say, if you're going to build another building, like The Commons, can you please let us know. And so we put those eleven people on a waiting list. That waiting list through Nightingale housing is eight and a half thousand people.   Jeremy McLeod: [00:24:03] So apparently there is eight and a half thousand people in Melbourne that would be happy to have a cheaper apartment with a bigger living room, with a beautiful shared rooftop laundry ,with one bathroom, with no individual or private car parking, but with a free car-share membership to, you know, 20 cars parked within a 400 meter radius.   Eve Picker: [00:24:29] And to be fair, in a beautifully designed building.   Jeremy McLeod: [00:24:33] Thank you.   Eve Picker: [00:24:35] I'll sign up for the waiting list!   Jeremy McLeod: [00:24:38] I think the great thing about, you know, being your own client is that you can definitely make sure that the architecture is what it should be.   Jeremy McLeod: [00:24:49] So I actually for people listening in, the thing that's also very incredible here is The Commons. This building sits right on a railway line. You can see there you can see the station. Out of the windows. So it's really it's really a transit oriented development as well, which really makes it much easier not to have a car.   Jeremy McLeod: [00:25:08] Yeah, absolutely. So there's that train station right next door or the bike path right next door or the 503 bus and then the tramline.   Eve Picker: [00:25:16] And the garage packed full of bikes.   Jeremy McLeod: [00:25:18] Yeah. So we do have the highest ratio of bikes to apartments in the country. Yeah, but the interesting thing about that is that we just looked at what were the bike ratios used in the Netherlands and then we used those and brought that over here. So it's not none of this is rocket science, at least, you know. How's it been done?   Jeremy McLeod: [00:25:36] So you have investors in this project and how did they do?   [00:25:42] So in the Commons there were six architects and all of us and we all invested. So Tamara and I, my partner and I, yeah, we literally bet the house on it. And so, yeah, out of the Commons, we did at the end of the project when Small Giants, we bought the site, we redesigned the site, we got the D.A. approval, we got the price in place. Then we had to sell the project at Small Giants. They sold they bought the project back off us. And at that point we had bought the site for five hundred and forty five thousand and we sold it back to them for two million dollars.   Eve Picker: [00:26:23] How did they do then?   Jeremy McLeod: [00:26:27] Eventually, they never actually disclosed to me how they did, but they built and entire brand off the back of The Commons.   Eve Picker: [00:26:35] There you go!   Jeremy McLeod: [00:26:36] But interestingly, everything sold in The Commons. The project was delivered on time and on budget. And you know.   Eve Picker: [00:26:43] And did it sell quickly?   Jeremy McLeod: [00:26:45] Yes. And that kind of thing else was.   Eve Picker: [00:26:48] Yeah, that's probably keeping in a project like this, because having a couple of vacant units if your profit and a building like this.   Jeremy McLeod: [00:26:54] Yeah. That didn't happen here.   Eve Picker: [00:26:57] That's fantastic. So then, you know, the triple bottom line here actually made a financial return as well. That's a pretty strong argument for doing the right thing. Yeah. How hard is it to find investors who really care about the triple bottom line?   Jeremy McLeod: [00:27:16] Well, so maybe let me let me just come back to the move from The Commons to Nightingale 1. Or why we started Nightingale Housing. Do you want to hear?   Eve Picker: [00:27:25] Oh, yeah, absolutely.   Jeremy McLeod: [00:27:26] So this idea that that the Commons would drive change by being a prototype building. And I said before that it kind of failed because it was seen as the exception, not the rule. What we decided to do after that first, you know, with that wait list of eleven people was to, if if the market wouldn't change, then we would drive change in the market and we would continue to build buildings until such a time as the market actually came to us, you know, until we didn't need to exist any longer. So we established Nightingale Housing. We got some corporate sponsorship. We got a government grant. We got a grant from the National Australia Bank. So we built a really small team of about three of us and we embarked on Nightingale One.   Eve Picker: [00:28:15] And that's a non-profit driven.   Jeremy McLeod: [00:28:18] Yes. So Nightingale One was still delivered. And the way that we wrote that feasibility study was that we capped the return at 15 per cent per annum and then we capped that return at a three year project timeline. So essentially it was a gross return of forty-five per cent over three years. So there was a lot of pressure on us to deliver that for our investors to deliver it within the three year time window.   Jeremy McLeod: [00:28:42] So - to get to get - we tried to do that at 10 per cent per annum. And when we tried to raise impact investment to build a carbon neutral building. So when we tried to raise equity,  I spoke to probably 60 architects in the city because I wanted architects to invest in it. I wanted architects to own it. I want to share the IP with architects that would take it and scale the idea. I met with architect after architect for about, you know, six weeks and we ended up getting 27 investors all putting in $100,000 each. A lot of people with not a lot of money borrowed against their homes to invest money in. And when we first said we want to return 10 per cent per annum, ur first investor said that wasn't enough. It wasn't it didn't match the risk versus return matrix for them. And so they wanted fifteen percent return. So we ended up taking all the equity. In Nightingale One it was about a 10 million dollar project and we raised $2.7 billion in equity with a capped return of 15 percent per annum. Going forward from that ...   Eve Picker: [00:29:49] Did you return the 15 percent?   Jeremy McLeod: [00:29:52] Yeah, absolutely. We returned. And so the way that we that our model worked was that we have a construction contingency in the project, and so after we returned all the money to the shareholder, exactly as we said in our prospectus at the end of the project, the money left over from that contingency, instead of taking that as developer, which a developer would normally keep that as [crane?]. We then gave that back to the residents. So the residents that had balloted into the building, because by that time there was more demand than there was supply after the success of the comments. So we had to run a public ballot where the mayor drew the names for the apartments out of a hard hat. And those residents, those lucky residents at the end of the project, their apartments were about $90,000 under market. And when we finished the project, we gave the building a check for $109,000 dollars back.   Eve Picker: [00:30:43] Wow. And just to be clear, because in the US apartments are usually, well, this is this is all for sale. At this point. Right. Yes. Which is really what the market is in Melbourne.   Jeremy McLeod: [00:30:53] Yeah, absolutely. It's all you know, it's all for sale. Everything's for sale.   Eve Picker: [00:31:00] Which is in itself an interesting discussion. That's really amazing. So now now that was the first project. What's happening next?   Jeremy McLeod: [00:31:08] Well, so after the completion of Nightingale One, and then we did Nightingale Two which is just completed and Nightingale Brunswick East, which is just completed.   Eve Picker: [00:31:18] How many units did you build?   Jeremy McLeod: [00:31:19] So Nightingale One. So the Commons is 24 apartments, Nightingale One is 20 apartments, Nightingale Two is 20 apartments, Nightingale Brunswick East is a hybrid with a property developer. So that's 38 Nightingale apartments and about 25 straight to market apartments.   Eve Picker: [00:31:37] So that's a real mixed income project.   Jeremy McLeod: [00:31:39] Yeah. Yeah. And that's interesting. It's interesting. The developer was so good. They funded the whole project. They agreed to run everything transparently with us. So it's you know, so Nightingale's principles are that it has to be minimum seven and a half stars, has to be carbon neutral and operations can't have natural gas pumped into it, has to have, you know, all those Nightingale principles. And we've got to lock up. We also have a restrictive caveat which says that if we're selling and owning an apartment to you and we're capping the maximum sale price that we're selling to you based on a maximum return to investors, then you can't sell it tomorrow and make a massive profit.   Eve Picker: [00:32:19] And so you want to keep it affordable.   Jeremy McLeod: [00:32:21] Yeah, absolutely. And so this developer, Lucent, agreed to do all of those things. They handled all the delivery side. And the benefit the upside for them was that they were trying to sell apartments in a street where someone else was about to sell 700 apartments. Someone else was selling 60 apartments. There was about a thousand apartments on the market. They broke their building in half, did half Nightingale half straight to market. We said that we would do that only if the entire project, including their straight to market apartments, were carbon neutral in operations and met the minimum seven and a half star requirement. They agreed to do that. The Nightingale apartments went to ballot. They balloted in one day. So they sold all of 38 apartments in one day.   Eve Picker: [00:33:04] That's astounding.   Jeremy McLeod: [00:33:05] Which then got them the sales target that they needed to get financial closure from the bank to cover the debt, which meant that they could then demolish the building, start their basement construction, which gave them a massive program jump on all the other buildings. They then opened their straight to market sales. And some of the people that it missed out on the Nightingale ballot went and bought there because they could afford to. But also, they were interested in the sustainability idea of carbon neutrality and the idea of community. And then it gave them a kind of a massive differentiator in the market. And so when no one else was selling anything in that street, they sold their 25 apartments in three weeks, which was unheard of.   Eve Picker: [00:33:50] I don't know what balloting is. Can you explain that to me?   Jeremy McLeod: [00:33:53] Sure. So ordinarily, the way that a straight to market developer would sell their properties by employing a real estate agent. The real estate agent generally charges a fee of about 2.25% percent. So there's two different ways you can sell in Australia. But if you if you employ a real estate agent here, they'll charge you 2 per cent of the gross revenue of the project, so if  the project is a 10 million dollar project, they'll charge you $200,000 for the 20 million dollar project, they'll charge you $400,000.   Eve Picker: [00:34:22] Because they're going to sell all units for that.   Jeremy McLeod: [00:34:25] That's right. They are going to sell all the units for that. If you historically had trouble selling, you would go to financial advisors in inverted commas, who are meant to be independent and they could sell your apartments to people looking for investment advice and they might charge six or seven percent. Okay. I think they're trying to outlaw that at the moment. Because they're their commission obviously makes it difficult, the rate of their commission is so high, it makes difficult for them to make independent advice about what to buy into or what not to. But Nightingale's says no real estate agents, no sales, no marketing. Instead, it has a series of information nights, it talks to all the purchasers and it provides information, fearless information, warts and all, about the great things about the project and the not so great things about it.   Jeremy McLeod: [00:35:17] So for The Commons, for Nightingale One, we talk about all the great things, but we also say that it's right next to the train line. So the great thing about that is that it's really close. But it also means that train runs 24 hours on a Friday and Saturday night. And if you got your window open, you know you can. You're going to hear it. You know, that's a very, very it's a place of urban flux, and that where you see all the single story warehouses now, you'll be a construction site for the next five years. So we talk about all those things openly.   Eve Picker: [00:35:43] So how do you find those people, though? How did they find you?   Jeremy McLeod: [00:35:46] I don't know. So so, look, we don't have you know, we don't have a marketing team. We had some political trouble on Nightingale One where we got a planning permit. The developer next door took us to the appeals court here based on the fact that they didn't want us to sell apartments that were 20 percent bigger, 20 percent cheaper and 120 percent better than theirs, because I think that they thought that it might provide a market problem for them. They took us to the appeals court and they were well funded by the developer. And we weren't particularly well-funded. And they had a good legal team. And then they had our permits stripped from us. So they got our permit taken off us.   Jeremy McLeod: [00:36:33] Well, it's a very, very strange planning system here where  individuals can veto a local government decision. It's very interesting. So we then had to lodge a new  planning application from scratch for Nightingale One.   Jeremy McLeod: [00:36:53] But the interesting thing was that when Nightingale One lost the local planning permit at that at the appeals tribunal, the local media, particularly the liberal media, got very, very bent out of shape about a project that was trying to deliver carbon neutral housing affordably, particularly trying to house millennials and first time buyers that had just been totally priced out of the market. And they got really bent out of shape that that the one thing that that project was defeated on at the appeals court was on car parking. So basically the whole fight was that we didn't provide any car parking. How our whole contention was that it sat on top of a train station next to a place where people were unlikely to have cars. Well, over 30 percent of them didn't have a license. Thirty percent of them didn't have cars. And the last 40 percent had filled out statics saying that they would either get rid of their cars when they moved into the building or that they would garage them in surrounding buildings that have masses of basement carbon that is under utilized. Well, the biggest thing that happened for us was that it totally changed the landscape for us in terms of everyone suddenly had heard of Nightingale, heard about this.   Eve Picker: [00:38:03] That bad thing was great marketing.   Jeremy McLeod: [00:38:05] Yeah. The bad thing that nearly broke me emotionally, like Breathe architecture was nearly broken the day after that. We couldn't believe what had happened in the 21st century in this city, given its incredible problems with climate change and kind of housing justice. And anyway, what we found was that beyond that, after that, our waiting list, like the week after that, our waiting list had jumped from 125 people to over 400 people.   Jeremy McLeod: [00:38:34] So people had read it in the mainstream. Wow. So you're wonderful. You're absolutely right. I think that was the start at which people actually started to hear about us.   Eve Picker: [00:38:42] So because we're running out of time. But I really want to know what's next.   Jeremy McLeod: [00:38:47] Mm hmm. Good question. So off the back of all of the Nightingales we've done, what we found was that Nightingale One opposite the Commons, they're both really great strong communities. But what we've found is that there's that they've actually started to work together as an organism. So the residents of The Commons and the residents of Nightingale One have worked together to lobby the council, to close the street at the front. So in two years time, the street will be closed and they're going to pull up the asphalt and replace it with grass and turf.   Eve Picker: [00:39:18] Well, it's wonderful. And so you've started to see really build a community here.   Jeremy McLeod: [00:39:22] Yes. And they and importantly, what else we've seen is with those two buildings in close proximity to each other, they've started to engage with other residents around. So it's not just individual communities, but everyone within that street now and across the railway lines and around the corner are all now kind of engaging in street parties, garage sale days, you know, Christmas parties or just talking to each other as they go past. There's no more anonymity. And so the big thing for us was how do we kind of learn from that? And so we bought seven sites to Street south of the Commons. And that's what's called Nightingale Village. So that's there was gonna be seven buildings by seven architects, all carbon neutral communities, no individually owned cars, a car share hub for 15 share cars, a consolidated bike park with 450 bikes. But importantly, no cars allowed on the streets. So on the streets above, again, pulling up the asphalt, replacing it with grass, trees, street furniture and making it a place for pedestrians and cyclists. That's fabulous. Yeah. And so then, you know, at that scale, it jumped from a 10 million dollar project to one hundred million dollar project. We had a superannuation company, HESTA work with an organization called Social Ventures Australia, an impact investor, and they put in 20 million dollars worth of equity into that project. And then we've had a big bank here, National Australia Bank essentially build a two billion dollar housing innovation fund to step into the gap that our federal government and state governments have left to. Yeah. And so the debt will be funded out of that National Australia Bank housing fund. So it's been incredible getting institutional finance coming in to make that happen. And then within that, obviously, we understand and that we're part of the gentrification problem. And so we've been looking at this idea of inclusionary zoning and why can it work in London and why doesn't it work here or why isn't it called for here? And basically, the property council here, lobbies our planning minister, not to put inclusionary zoning. They say that we won't be able to afford it, that it will make..   Eve Picker: [00:41:32] But who does the Property Council represent.   Jeremy McLeod: [00:41:36] Property developers. And so. And so we've decided at Nightingale Housing to now make sure that every project we do has 20 percent affordable housing in it, whether there's inclusionary zoning or not. And so what we're intending at Nightingale Village, we're now putting in 20 percent affordable housing. And so within that, we want to prove to the planning minister and to the government that you can put in affordable housing, that you can salt and pepper it through your developments, that it can be done well and it can be done elegantly and it can be done equitably. And if we can do it, there's no reason why a well-managed, publicly listed housing company or development company can't do it. So, yeah, look, the big push for us is now to actually make sure that we don't just we just try and get better with every project. We try and think through what are the other issues that need to be done and then we'll deal with it.   Eve Picker: [00:42:35] OK. So I have a couple of really quick questions for you. What trends in real estate development architecture do you see emerging that you think are important for the future?   Jeremy McLeod: [00:42:47] Yeah. Yeah. So, look, I mean, we're not plumbing natural gas and all of our buildings are carbon neutral in operation. So it has to be powered by 100 per cent certified green power, 100 percent renewables. So that's the measure that we use in Australia before we started Nightingale, every property developer told me that was impossible because people liked gas to cook on their woks, you know, to have a wok burner in their apartments and that they would never go without gas. Since Nightingale One has been complete, there are now five zero gas buildings within a one kilometre radius of Nightingale One. Quite interesting. So we've shifted the bar on this idea of can I operate without gas? Are my purchasers interested in carbon neutrality and around here? Absolutely.   Eve Picker: [00:43:37] And of course, if you don't have gas you don't need to run gas lines and that is another savings.   Jeremy McLeod: [00:43:41] Correct. In the building. Correct. No gas made a room. No gas particularly. Right. Right. Yeah.   Eve Picker: [00:43:46] Wrap up question here. So where do you think the future real estate impact investing lies? Because you've been dealing with those impact investors from day one?   Jeremy McLeod: [00:43:56] Yeah. It's a really good question. I think that and I'm very, very interested in your model, because I think that peer to peer lending is going to be really interesting about people being able to invest in projects with meaning. We see that the people of Melbourne who funded the early equity projects in Nightingale, they did it not so much for the return, but because they cared about what was happening to our city, what was happening.   Eve Picker: [00:44:25] That's why I built small change, because I think the people in the cities they're in and they just want to be part of making it better.   Jeremy McLeod: [00:44:33] Yeah, I agree. Totally. And so it's incredible to see Melbournians investing in projects and people with not a lot of money, but literally, you know, borrowing against their own home to help make this happen, because they're not just interested in making the city more livable place, but they're also interested in and they care about the future generations and what's happening to Millennials being locked out of the housing market and wondering what's going to happen for them in housing security in the future, so I don't think that's going to put a lot of pressure on institutional funds. We've got a lot of superannuation money in Australia.   Eve Picker: [00:45:11] So do you think the interest requirement of 15 per cent is going to grow?   Jeremy McLeod: [00:45:15] Well, the interesting thing is, since the village. That's the last time we paid those rates. Oh, very good. So since then, we've got two new projects on line and the offers are becoming back in. And now, you know, 13 per cent and 11 per cent because, you know, by the time we finished the village that's 14 projects. And with a wait list of eight and a half thousand people, the single biggest risk in a project is sales and settlement. Right.   Eve Picker: [00:45:39] There's not much risk. Right. Right. So I've really enjoyed the conversation. Thank you very, very much. Yeah, there's lots more and want to know, but it's pretty fabulous what you're doing. Thank you.   Eve Picker: [00:45:55] That was Jeremy MacLeod of Breathe Architecture and the Nightingale Project. If you want to build something that is affordable and sustainable simultaneously, says Jeremy, every project manager in Melbourne will tell you you can't do it. So Breathe instead defines sustainability through reductionism. They discovered that what people actually want is really good and meaningful housing with space, light, great outlook and plants, not marble countertops, three bathrooms and shag carpet. They have achieved affordability and sustainability through reductionism. If you don't need it, take it out.   Eve Picker: [00:46:40] You can find out more about impact real estate investing and access the show notes for today's episode at my web site Eve Picker dot com. While you're there, sign up for my newsletter to find out more about how to make money in real estate while building better cities.   Eve Picker: [00:46:57] Thank you so much for spending your time with me today. And thank you, Jeremy, for sharing your thoughts with me. We'll talk again soon. For now, this is Eve Picker, signing off to make some change.   Eve Picker: [00:47:17] Be sure to go to Eve Picker dot com to sign up for my free educational newsletter about impact real estate investing. You'll be among the first to hear about new projects you can invest in. That's Eve Picker dot com. Thanks so much.

This week's episode, we have an awesome conversation, with Julie Potash Slavin, aka DJ Hesta Prynn. We talk about how she got her start, being a female DJ and how she's carved out an incredible niche as a music curation strategists, for some of the leading brands in the world. We also talk about the importance of meditation and finding some type of balance.Check out some of her awesome playlists here:https://open.spotify.com/user/121840969?si=ptpkg_LxS5q6Grb2tquYtQ --- Support this podcast: https://anchor.fm/the-reset-podcast/support

Content creation extends well beyond the written, or even the visual. Honest and intentional expression is necessary to create an environment, atmosphere and experience that connects a story or an idea to a brand’s ethos. One expert on this is the popular and sought after DJ and musical curator Hesta Prynn who works with brands to add an essential dimension to their messaging. In a conversation every marketing executive should hear,  Hesta (real name Julie Potash Slavin) shares how thoughtful curation of music choices, lyrics and themes can bring an event or campaign to an advanced level, and how music — as content — can elevate a mission’s impact and provide powerful thematic opportunity. 

James Scollay is CEO of clinical and practice management software vendor Genie Solutions. He's the former General Manager of MYOB, and was originally the executive chair of Genie before moving into the full time CEO gig early last year. Genie has earned tremendous  respect and trust from its customer base, with over 20 years in market as a software solution for Doctors.  More recently James has been focused on bringing the company into a new era of industry collaboration and technological advancements, enabling practices around Australia deliver a better patient experience and drive real practice efficiency.    In this episode James and Pete chat about the new Gentu cloud platform and it's rapid growth (400% in the last quarter!)  and how more practices are adopting Cloud over Desktop solutions.  ☁️ They also talk about Private Equity funding and how it's helped take the company from a family run business to a business with double the staff with much more focus on Development and User Experience.   

EP020 - CEO of MuvMe, Inc., Steven Messino, and Senior Carsharing Consultant, Dave Brook http://www.vehicle2.getspiffy.com Episode 20 is an interview with Steven Messino, CEO of MuvMe, Inc., and Dave Brook, Senior Carsharing Consultant for Carsharing.US; recorded on Thursday, September 12th, 2019. Scot, Steven, and Dave discuss a variety of topics, including... Steven and Dave’s individual career paths in the automotive industry, and how they first met each other The seven primary ownership models, such as leasing, financing, ridesharing, carsharing, and subscriptions A present-day look at the carsharing space and the potential for a tipping point for more car-sharing miles driven than owned vehicles The key differences between gated and ungated carsharing Steven and Dave’s thoughts on the potential for autonomy, both in the carsharing space and the industry as a whole Be sure to follow Steven Messino and Dave Brook on LinkedIn. If you enjoyed this episode, please write us a review on iTunes! The four pillars of Vehicle 2.0 are electrification, connectivity, autonomy, and changing ownership models. In the Vehicle 2.0 Podcast, we will look at the future of the auto industry through guest expert interviews, deep dives into specific topics, news coverage, and hot takes with instant analysis on what the latest breaking news means for today and in time to come. This episode was produced and sound engineered by Jackson Balling, and hosted by Scot Wingo.   Transcript: Scot:    Welcome to the Vehicle 2.0 Podcast! This is episode 20 and it's being recorded, September 12th, 2019. In this episode, we are excited to have two guests from the car sharing industry. First we have Steve Messino CEO of move me and he's joined by Dave Brook senior car sharing consultant. Welcome to the show guys. Dave:    Thank you! Steven:    Thank you for inviting us. Scot:    Oh, Steve let's start off with you. Let's we, we like to take listeners through a everyone's career path. So, so how did you get into the exciting world of automotive and car sharing? Steven:    Okay. Basically I was consulting in Silicon Valley for various companies, so I came across a car share that started around the same time around 2011, 2012 as get around and what you now know is zero. And they were in a very similar business. They were all doing peer to peer car sharing. Ended up working with them for awhile. Them I went and did a project with probably at the time was the biggest car sharing software provider in the world, which was not a vera out of Toronto. And during that episode, Oh, we need to be create demand. So he thought of doing webinars because lots of people had an interest in car sharing but did not know a lot about the business or the market. So I went and did research and found out who were the leading experts in the industry of which Dave Brook was one of them. Steven:    And the person who originally started the industry in the United States. So we, Dave and I ran a series of webinars. Oh, format, Avera. And then after, and we ended up finding a large number of people who wanted to get into the business. But it's very similar to a large number of people who want to start a laundry or a restaurant. Most of them didn't know a lot about it. And this got tied with Metta. Vera sold to enterprise, so there was no longer a major provider in North America. My phone rang constantly and I started talking to Dave and I said, we have all these people who want to do this. Why don't we offer them a package of, we'll teach them how to run once you've successfully run one days and we'll put together the technology and get them operational. And from that point on, David has been doing this or probably every major car share car company insurance company in the world, but I'm sure you'll be a little more humble. Dave, you want to give your additional background? Dave:    Sure. Thanks. I guess I'm a serial entrepreneur and in the mid nineties, I started reading about this a wacky idea called car sharing that was starting in Europe at the time. And it seemed like a, a, an interesting idea that would have some application here in the United States. So I talked to people in Switzerland that had been involved in their very earliest car shares 10 years before in the late eighties. And it was sort of realize that, well, this wasn't rocket science. It was pretty, you know, straight forward to moving parts. So I stepped off the cliff a couple of years ahead of anyone else and started car share in Portland, Oregon. I was financing it out on my own pocket to, it was kind of before the VC and angel investor world sort of got to interested in mobility and transportation things. Dave:    And after starting my company I was approached by another group of people from Seattle who wanted to do the same thing, only they wanted to do it on a much better finance scale than what I was doing. So I help them get going and after not to, after a couple of years it made sense for me to merge my company with what was flex car which had not only national aspirations, but did expand the in a 10 or 12 different cities all over the country. And they were going head to head with another company out of Boston that started two years after mine called Zipcar. And eventually the two merged and you know, under the Zipcar banner. And so that was the birth of you know, commercial car sharing in the United States. It, after a couple of years working for Flexcar, I decided that the corporate life was not, not for me. Dave:    So kind of weighted out my noncompete agreement and then started consulting and I had been approached by a fellow Shelby Clark who had this idea of using private cars, privately owned cars, your, your car, my car, and being a platform to rent out those cars to other people. The same car sharing concept. And so the big challenge for any car share starting is finding insurance. Cause most people don't understand. Most insurance companies don't understand the special requirements of, of car sharing. But so get around Shelby's company was a relay rides, which is now called we're o, t,U , R, o. And m. Again, almost at the same time another company was starting, which is get around know, which is the other peer to peer company. And they've grown. And so for the last 10 plus years I've been working with they're startups. I've been working with auto manufacturers, insurance companies, helping them understand the, the, the car sharing space where it fits into overall mobility and okay. And having a good time at it. And then it's, that's how I met Steve as he, as he said. Scot:    Very cool. So we definitely wanna dig more into that d what I find interesting is you guys were so early with the zipcars flex car you know, and then the f the iPhone came along, which really seems to have enabled these models to, to be a lot easier or at least more consumer friendly, right? Because with Zipcar, you'd have to Kinda go to your desktop, see what cars are there, run over there and hope that no one rented them out. Whereas with the phone now you have it all in your pocket and you can get more real time from a consumer's perspective, you know, know where the cars are. Steven:    Yeah. Right. That technology shift actually happened about June, 2012 if you watch that, nobody really bought applications on iPhones and android and all of a sudden in that period it just jumped. And then everybody wanted an app on their mobile phone. Dave:    Yeah, yeah. It it really did change things quite a bit. It, you know, the better, the more convenient you can make access to a shared car, the easier it will be for an individual to decide, well, this is so easy. I don't really need to own the car, spend all that money owning a car just to have it waiting for me out front. So it's a challenge for the operator to make it as convenient as possible. And you know, there's kind of multiple levels of convenience. One is finding the car and being able to reserve it. The next challenges, being able to kind of unlocked the car, you know, without having to go through a big a lot of steps and then taking the trip, returning the car and locking it up. And you know, that, so conveniences is what it's all about. And of course, keeping the car clean is the challenge for the for the car sharing operator. Scot:    Yeah, we're, we're learning a lot about that here, here on our side. So that's super helpful. Thanks for given the backgrounds. I feel like you guys are elder statesman of, of the industry. So it's going to be a fun discussion. And here on our podcast we call it the vehicle 2.0 podcast cause we've come up with this framework where we talk about the four of innovation that are just kinda crashing through the automotive industry. We talk about connected car electrification, autonomy, and then changing ownership models. Since you guys are really steeped in that, that, you know, car sharing side, we want to spend the bulk of our time there today. So, so let's start, you know, kind of the history is really good to know. And here we are, 2019. Steve, we'll start with you. Scot:    How do you feel, how do you think about the car sharing space? I'll look into it a little bit. There's you know, dug into this, there's some data points out there that say by 20, 30, maybe 10% of cars will be kind of, you know shared or not individually owned ownership. If that's a word and then a, I've seen another one that's the exact opposite where they'll say, you know, some kind of amazing thing, like 80% of cars will, will be you know, outside of the ownership as we know it today. Do you have a point of view on where we're going to be in kind of the next 10 years or so? Steven:    Well, this is actually a great question because I spend a lot of time, usually in the summertime thinking about where the market's going since I build technologies for it. And you always have to anticipate three to five years in advance of what's going to be coming. Dave and I, when we speak, we frequently get asked this question, the big mover and shaker here, we'll be the autonomous car as it comes along. But it's going to take awhile. Everyone likes to say it's going to be here next year, but it's only in trial. Car sharing is going to be here for quite awhile easily and now 20 years and it just gets convenient if you spend much time talking to millennials, they are not really fans of cars as the previous generation, so they're, they're more inclined to do car sharing, which has already proven out in all the demographics and still approves out today. Steven:    The, yeah, as they, as they get older they are gonna start buying cars because they're going to end up having families and that's going to be in cars so, but if they could get away with not having a second car, I think they'll do it in a nanosecond and it's easy to just spiral a second car to take kids to soccer practice on Tuesdays and Thursdays. If that's the only time you need the car or you needed a third time on Saturday to go shut up. I see this business being solid for 20 years. The primary technology change is as of 2018, 25% of all cars now have their telematics devices, which is what the smartphone shock to built into the cars. So probably in four or five years I'll, those of us who build technologies, well we'll be using the car is built in devices in order to talk to them. Dave:    I I would, I'm not sure how much or they are going to be the car's built-in devices because I think the manufacturers are going to keep that information to themselves in case their, to start their own business. So I think that the, this is the market for you should third party after market type telematics devices is going to continue for quite a while. Okay. As Steve and I differ slightly about the, how quickly autonomous vehicles are going to be a major factor, I think that they will start happening quite soon. I mean without, without 'em a driver without a, whatever you call it, the person sitting in the driver's seat. But I think there are going to be specialized applications. You know, Tesla's clearly shown there's a lot of that a possibility, but there may be autonomous taxis going in, you know, 10 years on a, on a fairly large scale and you know, some, something really basic to to sort of keep in mind. Dave:    There's no difference between autonomous Uber and autonomous Zipcar. There is just who, you know, what's the origin of the company? Scot:    Yeah, yeah. I think Travis a the founder of Uber, Travis Kalanick is famous for saying that they have a good business today, but they'll have a great business once they can get rid of the drivers. But you know, I mean, just because, you know, at that point he had like 2 million drivers. He's kind of a PR oopsies there that he was famous for. So cool. So that's good. Let's, let's kind of dive in a little bit. In peel that onion, there's, I kind kinda track, I call it seven different ways that people own cars. You've got your traditional ownership. You can obviously finance, most people do. You can lease a, and then we start to get into the newer models. You can rent a car. Scot:    So we've got the traditional rental car models out there. And then you've got ride sharing, which is kind of what Uber and Lyft represent today. And then car sharing when you've got peer-to-peer and then you've got, I call it B to c, but you guys probably have another name and then their subscriptions. First of all, I know you guys probably have what I've found in this industry. Everyone's got a little bit of a different vocabulary. So does that jive with what you car stop you guys call stuff or would you dispute and say no, there's different words. Dave:    This is Dave. I would I agree. I mean traditional ownership leasing or financing, you know, strategies for traditional ownership. Then you got rentals. There's daily, I mean we think of daily rentals, but a car sharing is, shall we say, hourly rentals and subscriptions is basically monthly or, or six months. You could call it a rental or lease and it really depends on how it's structured. But all of those are, are where you're doing the driving. When you get into taxis and when you get into what you're calling ride sharing you've got somebody else doing the driving and arguably autonomous vehicles are the machine is doing the driving. So the just basic, when when car sharing started in Europe, they started calling it self-drive taxi which is not quite accurate but a sort of make it captures that distinction. And you Scot alluded to the, to the distinctions of different ownership models of car sharing. The ease of the business owns the car sharing business owns the vehicles or leases, the vehicles. That's most common or it's the what in the industry we call peer-to-peer where it's private, it's a privately owned car that is being, you know, rent it out covered by the insurance of the platform that handles the rental. Scot:    Steve, any other input on the, on the models that we're talking about? Steven:    Yeah, I think w the up and comer that everyone's been talking to mine for the last year has been the subscriptions and that was, that was actually heavily driven by Uber and Lyft drivers and eating vehicles. All right. Actually it's existed for over about 15 years. It just became popular. We have a customer in Long Beach who's been doing it and provides cars under a subscription model. So if you want to drive a Ferrari, you can have a Ferrari for a week. If you want to afford C-max, you can have that for, and he just basically allows everybody who participates to have access to any kind of vehicle they want as long as they pay the fees. Scot:    Yeah. Interesting to talk about the newer models. It seems like we kind of had Uber and Lyft had their, their day and now they've gone public and those are really big billion dollar businesses. And then it feels like the peer to peer car sharing is where there's a lot of action at least. You know, I think Touro between Turo and get around, they've each traced about 500 million. So there's, you know, the big guys are playing, they're like the, the soft banks and the interactive corpse. The subscription one seems to be less popular with consumers. Especially, you know, the OEMs have these subscription programs and they look good. Like the BMW one's interesting. I think it's called access. And you look at it and you're like, this is pretty cool. I could just kind of, you know, switch out the car based on my needs. And then you look at the price and I think it goes 900, 1,520 500 a month and you're like, whoa. You know, that's, they, they feel like they're 2x the cost of a lease of that, that type of a car, which, which seems to be the initial reaction or when I talked to you is like, holy cow, they're way too expensive right now. Is that, is that what you guys see? Dave:    Yeah, it's a, I mean, you think of it from it. This is all kind of being done through dealerships. You know, the, the, the, the OEM might be trying to, to sort of test the market with these, with these subscription programs. Volvo has one as well. Oh, her has tried it, has tried it. But sort of what are you going to do with all these cars? If, if, you know, if you have your, your BMW, you know, seven series and you get tired of it. Now this dealer has this used BMW seven that so you can put on the lot or he can try to lease to somebody else. I think that's where, that's where they, the difficulty of that is coming from. Okay. Keeping the price so high. Scot:    Yeah, absolutely. Steve, do you agree subscriptions are facing some challenges at the, at least at the OEM level? Steven:    Yes. I, this was when subscription started with the OEMs. This to them was a great way of try out our BMWs, try our Mercedes, try out our general motors cars and see which one you like, drive it for a week and get them out there. But I agree with Dave the price that, because would you try to do when you're making cars available is maximize your usage in subscription. If they're sitting on the lot, they're not making money and then you have to charge a premium, you cover your costs. So I believe that's probably the challenge until they can get activity up. But I don't see activity going up just to Uber and Lyft drivers and people who are testing them. That's not going to drive it either. So subscription is going to be that. I don't think it's going to be a big player. I think it's definitely going to be there and there'll, there'll be competitors out there trying to win part of the business. Scot:    Cool. Let's talk about the peer-to-peer side and it sounds like you guys were there, the birth of it, and I'm coming in kind of here in 2018. It feels like a two horse race, Touro and get around get around, started really a little slower start, but a better user experience because they require, like they, they use this airbnb style English where you have the host and the guests kind of a thing so that they require their hosts, which is the car owner to have that device that allows you to remote your kind of remote control the vehicle or at least road access. And then and then so get around was really focused in the U S in a couple cities and then Touro didn't have that device and it allowed them to get a lot of cars on faster and more cities. But in the, now they've gone and they have a similar device where they can optionally have that you know, phone controlled access. Everyday to I point I see shows Troy at 80% market share get around at percent is. Does all that jive with how you guys think about the peer-to-peer space? Dave:    Yeah, I think, I think that's right. A get around has, you know, has focused attention on, you know, kind of don shall we say, dominating our getting good market share in a limited number of cities. As you say, Touro made a decision early on not to do technical a in car technology, that telematics device, but did what, what you know, we call key exchange. And I think that they are serving somewhat different markets. The, because of the lack of technology, a Toros rental periods tend to be longer. More like car rental, you know, daily day and a half, couple of days at a time. Okay. And get around because it has the technology, it is able to two, not only have the longer term rentals but can support the more urban car sharing type of, of access to the car for a couple of hours at a time. Dave:    So there they're going slightly differently. Both both, I want to say both of them have now expanded into Europe or European companies. It may only be one of them. And a, like you said, a Touro now does have a, a in car technology, which would allow this more spontaneous use of the vehicle without having to meet the the owner. But it's not a requirement and a, the people who are going to be most interested in it are people who I really anticipating, you know, renting their vehicles a lot rather than somebody who, you know, just wants to make a couple hundred extra dollars a month. So, you know I think it's a kind of a different strategy there. There clearly are people like airbnb. There are people who have simply gone out and bought used cars and put them on the, the P2P platforms. And you know, if they're in the right location and they price it right, they can make pretty decent money. Dave:    Yeah. We see that a lot. They call it a, they call it their side hustle out there and it's really big in la where people, they'll experiment on one of the networks with their daily driver and then they'll, they'll like the extra income, but they don't like having other people in their cars than they'll, they'll either, they're, they'll buy a new car and then they're daily at their first car, becomes the, the rental car and then they become power hosts pretty quick. Where, you know, we found these guys that have 10, 20, 30 up to hundreds of these cars that are just kind of have built this little side business doing this is pretty fascinating. Yeah. Steven:    Three or four years ago when these guys were growing we found a bunch of people in San Francisco who g who would get pests lists because there were so hard to get and they would post Teslas and they would charge one to $2,000 a day just to get access. Yeah. Scot:    At that level, it almost becomes like a a payday pay, the test drive kind of a model or something. Steven:    Yeah, exactly. What is the market? People would take it for the weekend, drive it and then decide if they wanted one. Scot:    Yeah, I see. Dave:    I think that people, one of the things that was surprising when, when relay rides with now Touro started was we expected that it would be cars would be a couple of years old before people would sit or be comfortable letting strangers drive them, you know, drive them when they, when like you said, when they first got them, they really wanted to [inaudible] kind of keep it special. But almost immediately cars less than a year old were showing up on the, on the system. So it part of it is just a, shall we say the younger generation has a different relationship to their cars then? Well maybe it's not only younger generation. Some people have a different relation to ship to their cars than others. You know, the people look at more functionally or they look at it as more of a personal, a personal statement, personal expression. Scot:    Cool. so now that we've laid some good groundwork for car sharing in the, in the and both your experience and everything let's dig in to move me. So Steve, tell us about you started talking a little bit about how you guys came up with the idea but give us kind of the overview of the company and, and what you guys do. Steven:    Well, good. So we're not, when we started it and I recruited Dave to give me some help, it was because people wanted to get into car shares and they needed to learn how to actually run a car, share what's involved in it. How do you start it with your business plan? How do you think through being profitable? David Woods does an expert at it. So, so when somebody's would come to us a look, we need the technology for some reason, first time people are interested, first thing they want is a technology and I'd say no, what you really needed to do was talk to David first and help you think through this business. Oh for the territory. It's in the your constituency that you want to serve. What their demands are going to be, what the population density is. These are all things David is an expert at. Steven:    Once they get past that part, then we get them to what kind of cars, where they need to be. And one of the decisions they get too is what kind of car shirt and they actually want to operate. Most ones, if there's small start out stations station or round trip, they, they operate very similar to the rental car. In other words, you get it here driving anywhere you want, return it. Once they start to get larger and more mature, then they moved to free floating because the capital costs of free floating are much higher. Instead of buying 10 the 50 cars, you're now buying 50 to 200 cars. And that requires investors to go make happen. And it's a, it's a more sophisticated approach and as time goes on, most of these companies, they tend, when one, these companies tend to do both. They tend to do both free floating and they do round shrimp or station to station. Steven:    So the effect on us was how do you build software that has to do all this and anticipate technologies. So let's even go look where things are going. From that point once you're starting to do a car share, some cars shares actually want to rent seats in the car, especially senior citizens. Hey, I'm thinking for other people, I want to charge them all. So, so now you have a car share turning into a ride share. So you have to adapt your software to go the ride sharing. Once you do that, then you have, okay for example, you can take a car that's not heavily rested, rented it and car share in the evenings, give it to Uber and Lyft drivers. Well, there's not just Uber and Lyft drivers. You can give it to doordash drivers. People are now delivering cargo, they can rent the car. And so you have to account for that in your, in your design so you're not just renting a car, your Hesta account for riders, cargo types of cargo and you can see it. And then of course the world went to suitors, bicycles and the technologies. Basically the same technologies that started in car share really take care of all of this. And so those of us in this industry, all we're trying to do is anticipate what the next move, what the next move is to make sure it's already prebuilt and ready for the operators when they're ready to go. Scot:    Got It. So your software, it seems like it's super flexible and it can provide all these different options and probably even an intermingling of the options. Is that a good characterization? Steven:    That is a great characterization and we had to do a complete redesign once we realize this industry is moving so fast and people are so creative that you have to adopt, adapt for them as quickly as you can. Scot:    Got It. Give us an idea of how many customers, Dave:    Yeah, Scot, it's a, it's kind of worth noting that there's a big overlap here between, you know, what we think of as classic car sharing, commercial neighborhood car sharing in a, in a city and fleet fleets use or can use similar software. Traditionally, you know, a fleet, a corporate fleet or a government fleet, you know, has a whole bunch of keys hanging on a wall or in a, in a lockbox and you, you check out the [inaudible] and pick up the key and take it back. But increasingly fleets are installing the same telematics that you know, Steve and I have been talking about here. And so they're able to shrink the size of their fleet a buy and getting much higher utilization because somebody could check out a car for a half a day. Somebody else could check it out that afternoon, whereas before you basically could only do a daily rental out of, out of that car. Dave:    So it saves money to the company or the agency. It allows them to manage it much more efficiently. It's the same technology and in particular with fleets you might want to you know, that company might want to offer the option of, you know, of somebody going across town to a meeting. They could take other people from the company with them. And so they need to not only rent the Co, you know, sort of access to car, but then assigned seats to two people. So it's in Europe they call it a corporate car sharing, but it's really just a fleet, a fleet system. Steven:    I think if you allow me to elaborate, what I think Dave is hit on is what was car sharing? One. Dot. Oh, and car sharing, one, two. Dot. O is kindly as is transmuting extremely fast. Scot:    Interesting. Steven:    And because of it, when little challenges start to come up. And one of the things we look at, believe it or not, as the technology is going to be autonomous cars, because these are ones we need to bring backwards into car sharing. So we, so we can know what's going on with people, cars, locations, making sure that cars get things that are futuristic. We're already addressing like making sure cars talk to each other so they know the state of what's going on or the vacant talk to the passengers so they know the state of the passengers. This is, you're going to see this world move as fast as a smartphone business. Scot:    Hm. Cool. give us an idea for a, the size of move me. Do you guys think about, about the number of cars in your network or the number of, of car sharing companies? How, how, how big of an impact are you guys having right now? Steven:    Okay. There's two ways to look at it, number of operators and number of cars. The fact of the matter is if you have an operator with a thousand cars, you actually put in almost the same amount of effort as somebody with 10 cars because everybody likes it their way. Scot:    Yeah. Steven:    No matter what you think to use your experiences, they think it should be different. Yeah. So, so you, it doesn't matter who you choose, they all want a better in what they perceive to be a better user experience. And so you have to meet Dave:    And in a way to differentiate themselves from the other guy. You know, it may not be better, it's just gotta be different. Steven:    And so that's what ends up which we end up doing is making it, you look unique for them. Yeah. So they look special in the market. Scot:    Cool. So how many cars does that equate to? Or operators, I guess. Correct. Steven:    Well, W with the average number on opera. Oh my God, it's all over the place. Dave, why don't you answer that better than me? Dave:    Sure. Well, I mean, the typical car sharing company is in a, in a, in an individual city is going to have a, probably a couple of hundred cars so they won't get there all at once. In the peer to peer, I'm sorry, in the this a one way free floating car sharing that we've, we've mentioned a couple times. The cars don't have a fixed location, but they can park in any legal, they can be parked in any legal parking place within a big zone, you know, kind of the inner part of the city and the people find where the car is located by, like you were saying at the beginning of the broadcast, you know, with, with a smart phone and they don't have a fixed reservation period. You don't schedule it. You just find the nearest car and keep it for as long as you want. Dave:    And if you're just driving across town, you might pay for that by the minute. And if you want to keep it longer than it ratchets up to by the hour and even longer by the day. Daimler and BMW have both have services that are now in the code process of merging right now, and it's going to be under the share now franchise. But these, you can't do this free floating with fewer than a couple of hundred cars because you, you've got to have them reasonably close to where people live or they're not going to use them. But, but there are car share co-ops all over the world and, and a bunch of them in Canada, you know, that they might have 40 or 50 cars. 50 is about the smallest you can do profitably. Otherwise you're, you're running it as a kind of a, a social, a social service, you know, probably a nonprofit. Scot:    Okay. And do you feel like, so you know, having experiment with these, it feels like the free floating as a much user experience than kinda like what'd you guys call Zipcars station to station? Or is that, I've heard some people use gated. Station to station? Dave:    Yeah, station to station. It's, we call it round trip because it's not, you can't take them between stations. You have to bring it back to the same station. With the, with the free floating there are no stations. You, you can just return them anywhere. It's, yeah, it's a, it's a different user experience in the sense free-floating is a different user experience in the sense of that you don't have to plan ahead. You don't have to make a reservation and you don't have to specify when you think you're going to bring the car back. Which is what you have to do in the, in the zip car model. But by the same token, because it's so flexible, the company has to charge a lot more of the per hour price of the, a free floating almost double what, what a, a station to station would be. Dave:    And in some cases it's even more than double. I just so the user, so I think functionally what happens is you, you satisfy a different type of trip. W the, the free floating membership typically is a lot bigger than the same a membership, the membership in the same town of the, of the round trip type car share. And I think the reason is is that you're able to do a type of trip with free floating that you can't do with round trip. And that's this one way trip where you can take it across town or you can take it out of town and bring it back, but you don't have to return it to the same place you started from. And so even car owners are interested in this free floating because it lets them take a kind of a trip that they can't do with their own car. So it's a different user experience and consequently it's a satisfying, a different mobility need than, you know, the classic, a round trip Steven:    To make it simple, free floating is really a great convenience factor. So you pay a premium probably as much as 49 cents a minute, but what you use car sharing, you're down to maybe 7 cents per minute. And if you're starting to rent those by the day, it gets down there one or 2 cents in there. Scot:    Yeah. Steven:    So it's really just a matter of convenience and, and that's the premium you pay for. Scot:    Yeah. Cause it's the operator free floating is probably a nightmare, right? Cause you had cars kind of watering all over the place. You got to go find them. You mentioned scooters earlier and I see these people trying to find these scooters that worked our way in all kinds of crazy places. And, and not only Dave:    That to, to sort of maximize the returns on the scooter, the companies have to spend a certain amount of time relocating the scooters because in the morning people, many people want to take the scooters and go to work. And then there might not be that much demand for the scooter during the day until the evening. And so they will relocate a certain number of scooters constantly. You see it in the bike share and you see it in the free floating car sharing as well. Usually in the free floating car sharing, it's a, they're relocating a car that is perhaps quite near the perimeter of the service area and there isn't much demand out there. And so they're going to move that car back into more of the heart of the service area. Scot:    Cool. I do want to spend a couple minutes on some of the other areas here that we talk about on the podcast that I think does a really good deep dive in the car sharing side. How about Steve, you mentioned autonomy a little bit that you think it's coming. It feels like for a long time it was like right around the corner and then this year it seems like it got pushed out a little bit. There was an incident with the one of the Uber vehicles hitting somebody and you know, even even the Waymo guys, the Waymo CEO said something like, I don't think we'll ever be at full a hundred percent autonomy. So there seems to be kind of, we're in that, you know, that that coming, the expectations are coming down a bit. Where, where do you put that? We'll have some pretty good ab penetration. Steven:    Well, in fact, Dave and I were talking about this before this, cause we, we get asked this all the time as the last numbers I thought that were reasonable is that you would see them as a norm in major cities about 2030 Scot:    Yeah. Steven:    That, that would be the norm. I mean, are you going to use it to tow your boat in the suburbs now? But so for major cities, endless slowly grow outwards. Probably from that I was mentioning the days, when would we get to say 70% penetration? And it was purely my guests that maybe around 2075 you know, but that's a long way out. And part of it isn't, is because when you buy a car, it's got an 11 year life. Yeah. So you buy an asset like that, you're not going to dump it right away unless something's really unbelievably convenient and it's less expensive. So autonomy has to be there in your neighborhood all the time. And then whatever neighborhood you're going to, and that's gonna take a while. Scot:    Yeah. Steven:    Dave, your opinion? Dave:    I think that 70% number is is a, an important one to keep in mind because you know, there's lots of discussion about the the safety benefits that autonomous cars you know, are going to bring because they won't be acting irrationally like drivers do. And those benefits don't, don't you know, start showing up in insurance rates and, and a lower hospital admissions and things like that until you get to 70, 80% penetration, the 70 to 80% of the vehicles on the road are smart, are smarter than humans. And you know, if you look at the accident statistics of autonomous cars to date a very high percentage of them are, were caused by a, you know, kind of erratic behavior by somebody else on the road that the autonomous vehicle couldn't anticipate. Scot:    Darn humans. Steven:    If you run a show, what I found fascinating is when they were designing these in silicon valley about six years ago, I would attend all the sessions and listened to the PhDs talk about how do you deal with these human problems? Scot:    Yeah. Steven:    Such as if four cars are all hit a stop sign at the same time, who moves first? Well, the way humans do it is people start to nudge until somebody asserts themselves. Dave:    It's the guy in the test. It's the guy in the Tesla who goes first. Steven:    So much what I've been doing is you have, you have to teach the car to do the same thing, move a little bit, look around, see what everyone else does, move a little bit. And then if it's free, you move. So well, a lot of it is teaching them the cars to deal with humans. Scot:    Yeah. Where do you, I'm often when I kind of play this forward, the one group, I kind of think, I don't know what happens to them is the dealerships, you know, so, so it feels like a lot of the OEMs are viewing some of these models as an interesting way to almost go direct to the consumer. And then, you know, in than if by default people aren't gonna be buying as many cars, the dealership may become a service center. But then I always, you know, you know, the, you ask people, you know, when's the last great service experience? You had a dealership and you, you don't get a lot of grave responses except maybe Lexus or something like that. Do you see those guys being the kind of the, you know, where, where do they fit into this kind of, you know, world of 2030 where, you know, the, we've, we've got pretty good penetration of these new models. Steven:    Well, part of this, you look at the statistics right now, there's about one point $2 billion billion cars in the world. And if you, and you can look at any of the major research sites that is expected within a few years to drop down the 1 billion. And the largest effect on this is the sharing community car sharing, ride sharing. It's just, it, it's expected by about 2030 that it'll be 16 to 20% of the car market will be in the sharing industry. Scot:    Yup. What happens to that, do you think dealers are, that's a, that's a lot of hit for the dealers because presumably that's a 20% reduction, but it's going to be even heavier on new car sales. Right? Steven:    Yes. And, and also you're getting efficiency. If you start thinking on the autonomous car, could run 22 hours a day continuously as opposed to most Dave probably knows the most recent numbers. What's the average amount of hours of car shirt is used per day, Dave? Dave:    Well, typically a eight to 10 hours per day average. Steven:    So as you get more efficiency, you drive down meeting that number of assets in the world. Yeah. Dave:    See the, you know, I mean I think the car dealers can see the handwriting on the wall. Yeah. They have these longterm contracts with the manufacturers and they're struggling too to sort of figure, retain their role in the distribution a process. Scot:    Yeah. Interesting. Dave:    I wouldn't want to be a car dealer. Scot:    Okay. Yeah. I kind of come to the same conclusion. Steven:    Well, and as consumers go less to them you can, you can understand the challenge. Yup. Yup. You don't need as many in town. I mean, I'm Ford announced a reduction in the number of vehicles they're going to be producing. What is, what does the market really need? And I think we're going, not only are we going to see less dealerships, I think Ford made the right move. You're going to see less, less car types. Yeah. Cause you're not gonna need all these people competing. If you need a sedan, it's a sedan. As long as it runs relatively well, you're happy. Scot:    Cool. Well guys, we're this has been awesome. I could go a whole nother hour, but I know, I want to be conscious of your time. So one last question. If folks want to find follow, tweet, retweet, like whatever you guys online, where can they find your, your, how you're writing and thinking about the industry? Steven:    Dave, want to go first? Dave:    Sure. I have a industry blog that I've been writing since 2005 called car sharing. Dot. U S is the, is the web address, car sharing. Dot. U S Steven:    In my case, where at? MuvMe Inc Dot com Muv m e I n c.com and we're going to be doing a lot of promotion about the new technologies in the next few months that we're coming out with, and so we'll look forward to getting feedback from your audience. Dave:    Yeah, Definitely. Scot:    Awesome. Yeah, maybe we can have you back on and talk about that in a, but that's going to do it for today. We really appreciate you guys taking time out of your busy schedules, changing car ownership to come on the vehicle 2.0 podcast. Steven:    Thank you. Dave:    Thank you, Scot.

Mary Delahunty Mary is the Head of Impact at HESTA, a Councillor at Glen Eira City Council and a Churchill Fellow. HESTA Super Fund is the national industry superannuation fund for people working in health and community services. Mountains and Marathons (Sponsor) Mountains and Marathons offers a 6-month leadership program where you will develop clarity and personal power. All programs finish with an epic physical challenge: Running a marathon or climbing a mountain in one of the world's most extraordinary locations. Why not embark on a personal growth journey and finish by competing in the upcoming Honolulu marathon? Enquire here and mention Humans of Purpose in the where did you hear about us section to receive complimentary return flights to Hawaii and back valued at over $1500. Patreon Supporters Thanks to our awesome Patrons - Misha D *2, Macartan, Joel F and Stuart M, you guys help us continue to create great weekly podcasts. Support Humans of Purpose, by becoming a Patron today!  Podcast Promotion Promote your business, goods, services or events via our amazing community- just head to humansofpurpose.com.au and download our updated info pdf to learn more. Support the show.

Allskonar söngvar þar sem sungið er um hesta og hestamennsku á fjölbreyttan hátt. Meðal flytjenda eru Karlakór Reykjavíkur, Karlakórinn Heimir, Ragnar Bjarnason og Kristjana Stefánsdóttir, Karlakórinn Hreimur, Karlakór Rangæinga, Helgi Björnsson og Reiðmenn vindanna, Rúnar og Otis, Bjarni Hafþór Helgason, Halldór Warén og Charles Rose, Heybrók og Júlíus Hjörleifsson.

Allskonar söngvar þar sem sungið er um hesta og hestamennsku á fjölbreyttan hátt. Meðal flytjenda eru Karlakór Reykjavíkur, Karlakórinn Heimir, Ragnar Bjarnason og Kristjana Stefánsdóttir, Karlakórinn Hreimur, Karlakór Rangæinga, Helgi Björnsson og Reiðmenn vindanna, Rúnar og Otis, Bjarni Hafþór Helgason, Halldór Warén og Charles Rose, Heybrók og Júlíus Hjörleifsson.

Allskonar söngvar þar sem sungið er um hesta og hestamennsku á fjölbreyttan hátt. Meðal flytjenda eru Karlakór Reykjavíkur, Karlakórinn Heimir, Ragnar Bjarnason og Kristjana Stefánsdóttir, Karlakórinn Hreimur, Karlakór Rangæinga, Helgi Björnsson og Reiðmenn vindanna, Rúnar og Otis, Bjarni Hafþór Helgason, Halldór Warén og Charles Rose, Heybrók og Júlíus Hjörleifsson.

Allskonar söngvar þar sem sungið er um hesta og hestamennsku á fjölbreyttan hátt. Meðal flytjenda eru Karlakór Reykjavíkur, Karlakórinn Heimir, Ragnar Bjarnason og Kristjana Stefánsdóttir, Karlakórinn Hreimur, Karlakór Rangæinga, Helgi Björnsson og Reiðmenn vindanna, Rúnar og Otis, Bjarni Hafþór Helgason, Halldór Warén og Charles Rose, Heybrók og Júlíus Hjörleifsson.

Viðtal við Hesta konur og leikara!

Letting kids follow their lead and practice self care, discrimination in work because of being a mom, and making a change in a DJ career. Julie Potash (a.k.a. DJ Hesta Prynn) shares her mom moments and aspirations with Stacy Igel and Sophie Elgort. (Instagram: @hestaprynnmusic)Presented by Keepsake Frames. Print, frame your photos easily and fast from your phone – handmade in the USA and delivered with free shipping. Use discount code #MOMSGOTTHIS at www.keepsakeframes.com for 30 percent off first order.In this episode: How Stacy and Hesta encourage their children to follow their lead and practice self care The discrimination Hesta faced in her professional life, and how that sparked a change in how she positioned herself as a DJ Plus, Hesta shares her goals for her career To share your #MOMSGOTTHIS MOMENT just call 833-844-THIS-MOM (833-844-7666) and leave a voicemail with your first name and city along with your moment.

Getting kids interested in music, and Hesta’s daughter has her own playlist! Julie Potash (a.k.a. DJ Hesta Prynn) shares her mom products and solutions with Stacy Igel and Sophie Elgort. (Instagram: @hestaprynnmusic)In this episode: Hesta and Stacy share some products and solutions for getting your kids actively interested in music and for a little inspiration to start the day Hesta’s daughter’s DJ playlist To share your #MOMSGOTTHIS MOMENT just call 833-844-THIS-MOM (833-844-7666) and leave a voicemail with your first name and city along with your moment.

A book about female leaders, scheduling family time round work and travel, and being pregnant in the public eye. Julie Potash (a.k.a. DJ Hesta Prynn) shares her mom routines and relationships with Stacy Igel and Sophie Elgort. (Instagram: @hestaprynnmusic)In this episode: Hesta talks about She Believed She Could, So She Did, the children book about female leaders she wrote How Hesta schedules routine family time despite having a career that involves working at night and regular travel What it’s like being pregnant in the public eye, and how having a child changed Hesta’s career path To share your #MOMSGOTTHIS MOMENT just call 833-844-THIS-MOM (833-844-7666) and leave a voicemail with your first name and city along with your moment.

Mothering while traveling for work, avoiding kid-themed places, work-life balance, mom support groups, and bonding with music.  Julie Potash (a.k.a. DJ Hesta Prynn) shares her mom journey with Stacy Igel and Sophie Elgort. (Instagram: @hestaprynnmusic)In this episode: Managing motherhood when you have a career that involves a lot of traveling and working at night Raising children but avoiding kid-themed restaurants and museums Learning how to balance a social life and your own desiresalong with raising a child How Julie found the support groups she needed to embrace motherhood The way Julie used music to bond with her daughter Julie’s #MOMSGOTTHIS moment, and what she does to help her daughter prepare for all of the traveling necessary for her career To share your #MOMSGOTTHIS MOMENT just call 833-844-THIS-MOM (833-844-7666) and leave a voicemail with your first name and city along with your moment.

So, first off, HAPPY 2019! We made it! I will include what I purchased in the description. Ps keep in mind I obvi didn't fit all this stuff in a bag. I wore my jacket, only had one pair of boots. I bought the Ethique samplers but at the end decided instead of all three samplers, I chose a face soap, shampoo, and conditioner and packed it in a tin. I also broke a little piece of feminine soap and placed it in the tin. Spoiler alert I purchased a $300 jacket but decided to return it because it didn't explicitly say it was windproof. By luck I found a 3-1 jacket from Marmot and express shipped it. That is the one listed below in my list of purchases. Layer situation most days: base layer pants, fleece tights, windproof pants, for the bottom. heattech bra, base layer top, merino top jacket OR heattech bra top, base layer, merino base layer top, jacket. I did many returns. So this whole thing has been a lot of time invested in getting clothing that performs. I would rather pay up front to ensure my warmth and comfort than pay on the back end with cough meds, days not working and making income, and doctors visits. Seeing that the weather is still 30F to 66F in the same day somedays, purchases are still getting a lot of use. I still sleep in the thermals. Still going through the Ethique sampler. This list doesn't include stuff I had before the trip, like my deodorant paste, my Hesta menstrual cup, and my Thinx period panties (which I have gushed about in a previous episode for ladies curious about them) as I was anticipating my cycle. And my Hello Kitty Hat. Yea I spent a lot. My ticket was WAY less than all the stuff I bought to ensure I didn't freeze to death. Yes, about a 1000USD+ if we include tax and shipping. Proof that everything adds up lol. That doesn't include the time I spent hunting all this stuff down. Here is the list: Costco Kid thermal set 6.99 + tax (x2) Adult thermal top 6.99 + tax Adult thermal bottom 6.99 + tax Rei 3x Socks and gloves 97.77 Locks 10.77 Jacket 164.03 Rei merino pants 47.69 + tax Rei merino top 47.69 + tax Rei waterproof windproof pants 61.99 + tax Rei silk top 54.07 Sierra Trade Post Merrell Tremblant tall polar waterproof boots 99.99 + tax MiiR 32oz insulated howler 24.99 + tax Uniqlo Heattech sleeveless bra top (x2) 19.99 + tax Alexander Wang heattech bra (x3) 19.99 + tax Amazon Wet bags 12.99 + tax Insulated snow pants (decided not to bring) 29.40 + tax Diaper bag 19.99 + tax Bag sternum strap 5.97 + tax Fleece lined leggings 12.99 + tax Ethique sampler hair 15.50 + tax Ethique sampler face 18.50 + tax Ethique sampler body 16.50 + tax Trader Joe's Argan oil 7.57 Etsy QuUAOrganicHairCare Rose salve and Bergamot facial moisturizer 21.30 ButterMeUpIrganics 2oz sunscreen 10.95 SkinFoodByAB Lavender + honey organic lip balm 14.00 SkinFoodFix Femme soap 5.75 LandofAahsPerfume Yuzu & satsuma and smoke & mirrors 33.75

Sextánda umferð Pepsi-deildarinnar er að baki. Elvar Geir Magnússon, Magnús Már Einarsson og Gunnar Birgisson skoða meðal annars hver hefur verið bestur í hverju liði deildarinnar og hver mestu vonbrigðin það sem af er móti. Meðal efnis: Kristinn Ingi minnir á sig, Viktor heldur Elfari á bekknum, Víkingar með sjálfseyðingarhvöt, erfið fæðing Stjörnunnar, staða Óla Kristjáns hjá FH, Kristján Guðmunds snýr gagnrýnendum við, Keflvíkingar baula á eigin leikmann, leiðindi á KR-velli og Gunni giskar á undanúrslitaleiki Mjólkurbikarsins.

HESTA chief executive Debby Blakey on a new report that explores the movements of health and community services (HACS) workers.

HESTA chief executive Debby Blakey on a new report that explores the movements of health and community services (HACS) workers.

Janine Mohamed, chief executive of the Congress of Aboriginal and Torres Strait Islander Nurses and Midwives, on HESTA’s Innovate Reconciliation Action Plan, which aims to shine a light on the history of Australia’s First Nations nurses.

An interview with Debby Blakey, CEO of HESTA, which is an industry superannuation fund with 800,000 members, 80% of whom are female, and $34 Billion in funds under management. Debby talks about her views on leadership and about ways to boost savings for women which still lag at only 50% of male rates at retirement.

The impact of Australia’s lack of affordable housing is far reaching – low-income earners are being pushed to the fringes of cities, with some households paying up to 85 per cent of their income on rent. But according to experts, solving the affordable housing crisis is beyond the scope of governments alone. In this episode of Not for Podcast, special contributor Rachel Alembakis, founder and publisher of The Sustainability Report, partnered with Pro Bono Australia News to investigate the challenges and opportunities for developing affordable housing. Leveraging private capital, including that of Australia’s $1.3 trillion superannuation industry, could unlock significant investment in the sector. But it requires collaboration between businesses, community organisations and governments. This episode features affordable housing experts and field practitioners: Mark Peacock, director of impact investing at Social Ventures Australia. Wendy Hayhurst, CEO of  the New South Wales Federation of Housing Associations. Debby Blakey, CEO of superannuation fund HESTA. Jamie Muchall, business development manager at Horizon Housing. Produced by Ellie Cooper.

Jasmina Brankovich on the recent ‪#HESTAdivest‬ win which has seen industry super fund HESTA divest from its Transfield Services holdings for that company's involvement in the Australian detention industry. Image via Sarah Maynard (@sarahmaynard191) | Twitter

"Former third of white girl rapper trio turned electro hip hop art rock performer."  Chris MacDonald, IndieFeed Alternative and Modern Rock