Podcasts about in simon

In the latest episode of Charles Kelly Money Tips Podcast, we dive into the Labour Budget, interest cut, mortgage rate, US election, Trump and the £25 million man who will show you how transform your financial future and help you build wealth faster. Watch video version - https://youtu.be/cMsYjNcQ5xA For more tips on managing your money and building wealth, subscribe to the Charles Kelly Money Tips Podcast on YouTube!   Learn how to make money online from a British multi-millionaire I've discovered a book I think you've really got to read. It shows you of how ANYONE can make millions online. It's all in this one book by Simon Coulson: Interpreneur: The Secrets of my Journey to becoming an Internet Millionaire.  Simon Coulson is a really down to earth sort of guy. He's also the real deal – he's made £25 Million+ from his 5 different Internet Business. Each business doing 7-figures by itself. GOOD NEWS – I have a LIMITED STOCK of this book for JUST £1.95 [down from £12.95] To Get Your Copy - Click Here After falling down an escalator due to fatigue, Simon knew it was time for a change of lifestyle.  Now Simon lives on a 35-acre country estate, has bought his dream Ferrari and is able to enjoy holidays on a private island and network with Richard Branson. What would YOU like to do? - Pay off some of the mortgage? - End a boring career and start a business on something you're passionate about? - Spend as much time with your kids? - Create an additional income for your retirement? In Simon's book, you can discover his money-making strategies through his personal anecdotes. You'll also get to see 20 success stories he has chosen from the THOUSANDS that have studied with him. You will see for yourself how ANYONE can achieve success online, just by repeating the PROVEN STRATEGIES he uses himself. This book is for everyone from start-ups to owners of existing businesses. This book is a GREAT WAY to learn the unique opportunities present on the Internet through ‘real-life stories' of people who started from zero and went on to have staggering successes.  Simon is also GIVING ALL THESE BONUSES FREE with the book: -  A 27-page Rolodex of Simon's supplier links and contacts -  A FULL AUDIO VERSION of the Interpreneur - Internet Marketing Strategies: 3 Step Success System LIVE in Brighton [1hr 43min] - Internet Marketing Profits Training Manual #1: Choosing a Hungry Market' - Internet Marketing Profits Training Manual #2: 'How To Explode Your Profits'  CLICK HERE TO GET YOUR COPY of The Interpreneur: FOR JUST £1.95 P.S. There are only a LIMITED NUMBER of Simon's books for JUST £1.95.  I expect they will go quickly. To order your copy + The Bonuses TODAY - Click HERE P.P.S. You have NO RISK - Simon is offering a 30-day money back guarantee. Further information… #simoncoulson #finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #Homeownership #financialplanning #moneymanagement #financialfreedom #section24tax #financialindependenceretireearly #BuyToLet #LandlordLife #UKPropertyMarket #TenantsRights #RentalProperty #PropertyInvestment #LandlordChallenges #RentControl #PropertyStandards #inflation #Fixedratemortgage #PayYourselfFirst #FinancialFreedom #WealthBuilding #MoneyManagement #CharlesKellyMoneyTips #PersonalFinance #InvestingTips #makemoneyonline#WealthBuilding #MoneyManagement #CharlesKellyMoneyTips #PersonalFinance #InvestingTips #CharlesKellyMoneyTips #Podcast #USDollar #Investing 

How good is Iga Swiatek?She's really good, and for much of the 2023 French Open nobody could come close to beating her. But in the final, Karolina Muchova gave Swiatek all she could handle. In Simon's Favourite Women's match of the year, he and Devang look back at a memorable day in Paris. Sick of hearing all the ads? Subscribe to Soda Premium on Apple Podcasts to get rid of them! Come join the Patreon family for bonus content, access to the exclusive discord server and ad free episodes. Follow @OpenEraPod on Twitter! While you're there say hello to @DesaiDevang or reach out to the show and say hey: podcast@openera.ca If merch is your thing, be sure to check out the store. If you enjoyed today's show, please rate Open Era 5-Stars on Apple Podcasts.

How good is Iga Swiatek?She's really good, and for much of the 2023 French Open nobody could come close to beating her. But in the final, Karolina Muchova gave Swiatek all she could handle. In Simon's Favourite Women's match of the year, he and Devang look back at a memorable day in Paris. Sick of hearing all the ads? Subscribe to Soda Premium on Apple Podcasts to get rid of them! Come join the Patreon family for bonus content, access to the exclusive discord server and ad free episodes. Follow @OpenEraPod on Twitter! While you're there say hello to @DesaiDevang or reach out to the show and say hey: podcast@openera.ca If merch is your thing, be sure to check out the store. If you enjoyed today's show, please rate Open Era 5-Stars on Apple Podcasts.This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/4188908/advertisement

Andy Murray is a two time Wimbledon Champion and is in stellar form going into the 2023 event. Stefanos Tsitsipas is not a two time Wimbledon Champion and is not in good form going into the 2023 event. In Simon's Favourite Men's match of the year, he and Devang explore a contest played over two days in a monumentally tight affair. Sick of hearing all the ads? Subscribe to Soda Premium on Apple Podcasts to get rid of them! Come join the Patreon family for bonus content, access to the exclusive discord server and ad free episodes. Follow @OpenEraPod on Twitter! While you're there say hello to @DesaiDevang or reach out to the show and say hey: podcast@openera.ca If merch is your thing, be sure to check out the store. If you enjoyed today's show, please rate Open Era 5-Stars on Apple Podcasts.This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/4188908/advertisement

Welcome to the Instant Trivia podcast episode 873, where we ask the best trivia on the Internet. Round 1. Category: zebras 1: Only continent to which zebras are native. Africa. 2: TV sitcom on which the main character called his racially mixed daughter-in-law a zebra. The Jeffersons. 3: In England, a deer crossing is for deer, but a zebra crossing is for these. pedestrians. 4: Professional sport in which 7 "zebras" officiate. football. 5: In Simon and Garfunkel's 1967 song, "At the Zoo", zebras are said to have these political views. reactionary. Round 2. Category: baywatch beach safety 1: (Hi, I'm David Hasselhoff.) For L.A. beaches, this list includes dogs, fireworks and tents. things that are prohibited. 2: (Hi, I'm Mitzi Kapture.) For your safety, always swim near one of these that's manned and open. a lifeguard station. 3: (Hi, I'm Michael Bergin.) To protect your head, neck and spine, don't do this into unfamiliar waters. dive. 4: (Hi, I'm Brooke Burns.) The Red Cross recommends everyone learn this; L.A. lifeguards have been using it since 1957. CPR (cardiopulmonary resuscitation). 5: (Hi, I'm Michael Newman.) If you can't swim well, or at all, don't rely on these; you may lose them in the water. life preservers (or floatation devices). Round 3. Category: named for 1: The company formerly called "Alonzo Richmond, Agents for Onondaga Salt" now bears his name. Morton. 2: While Asa Gray was known for his books on botany, Henry Gray was known for his books on this science. anatomy. 3: While John Bartlett put his name on a book of quotes, Enoch Bartlett put his name on this. a pear. 4: Textile manufacturer whose big donation got the N.Y. Institute of Musical Art named for him. Augustus Juilliard. 5: Captain Cook gave this name to a Pacific island group in honor of Earl John Montagu. the Sandwich Islands. Round 4. Category: world "p"s 1: The "4 questions" asked on this occasion include wondering why we have to eat unleavened bread. Passover. 2: Malay or Sinai. peninsula. 3: Gunmen after this South American dictator in 1986 used rockets, bazookas, rifles and grenades--and missed!. Pinochet. 4: World Heritage sites in this nation include the Nasca Lines. Peru. 5: Named for an adviser to Catherine the Great, this type of "village" looks deceptively impressive. a Potemkin village. Round 5. Category: "junior" collage 1: Student athletes know it's abbreviated JV. junior varsity. 2: James Welch named this popular movie theater candy in 1949. Junior Mints. 3: The All Stars backed up this rockin' frontman. Junior Walker. 4: It was founded in 1901 in New York City by a debutante wanting to help the less fortunate. the Junior League. 5: It was started in 1919 as a collection of small, after-school business clubs in Massachusetts. Junior Achievement. Thanks for listening! Come back tomorrow for more exciting trivia! Special thanks to https://blog.feedspot.com/trivia_podcasts/

In Simon's world, there were two kinds of people, the decent morally upright hard-working people like him and his friends, and the “sinners”! Thankfully, Jesus was more gracious! This Sunday we will see how Jesus' forgiveness of us leads us to love Him more.

Join host Sebastian Rusk as he interviews seasoned security consultant and author Simon Osamoh on Beyond The Story podcast. In this episode, Sebastian and Simon delve into Simon's journey as a detective in England, his transition to the US security industry and his experiences as an entrepreneur. The conversation covers Simon's involvement in various podcasts, his views on entrepreneurship and success, the importance of de-escalation in difficult situations, and the significance of perseverance in business and podcasting. This thought-provoking episode also emphasizes the need to stay vigilant and aware of potential dangers in our day-to-day lives. Tune in today to gain new perspectives and insights. Don't forget to subscribe and share your valuable feedback with us!Timestamps[00:00:05] Introducing Simon: From Detective to Counter-terrorism Expert[00:03:16] From Detective to Chief Problem Solver[00:06:29] Business benefits of podcasting[00:09:48] De-escalation and Entrepreneurship Strategies[00:13:00] Perseverance in Business and Podcasting[00:15:51] Safety and GratitudeBest Quotes[00:00:29] I followed some of your stuff for quite a while. So it's an honor and privilege to be with you today[00:01:22] My primary sort of business is security consulting, so we help organizations stay safe and secure schools, small businesses, houses of worship[00:03:49] As a police officer, all you were doing was solving people's problems And as an entrepreneur as a business owner, you are really rewarded by how many problems you can solve for people[00:08:25] Having a podcast allows people to get to know you to hear your voice, to resonate with you, find that connection with youAll Quotes[00:10:55] The world needs a little bit of that these days. I think we always have[00:01:22] My primary sort of business is security consulting, so we help organizations stay safe and secure schools, small businesses, houses of worship[00:08:25] Having a podcast allows people to get to know you to hear your voice, to resonate with you, find that connection with you[00:14:09] You gotta keep persevering[00:03:07] Chief problem solver and entrepreneur. Isn't that what an entrepreneur is? Is this a problem solver? Exactly. Yeah. Yeah[00:08:54] But his connection was so strong. He felt like he knew me[00:00:29] I followed some of your stuff for quite a while. So it's an honor and privilege to be with you today[00:09:57] De-escalation is finding the strategies or the abilities to help someone through a crisis or a very highly agitated situation[00:08:05] I think the single purpose is the authority building that it brings and also that no like and trust[00:09:15] So I think every business should have a podcast for that lens to build authority, but also to build that no like and trust[Unknown] So having a bit of strategy in what you do, you know, again, that really helps been an entrepreneur[Unknown] Being flexible is a huge underrated task and tool to have in the world of business and entrepreneurship[00:00:58] I'm a hard person to categorize as well because I did many different things. So I think people find me fascinating[00:05:14] Helping organizations stay safe and secure. A lot of sort of active shooter training[Unknown] But there's always an idea. There's always something to chase. And I think that is 1 of the hardest things is to know where to go[00:02:45] I guess, all my roles really have been in a sort of very stressful, very stressful positions, but it all sort of stems back from me being a police officer within the UK[00:04:06] So I think it's a unique skill to be able to see the end result. Without seeing the obstacles that stand in their way[00:03:49] As a police officer, all you were doing was solving people's problems And as an entrepreneur as a business owner, you are really rewarded by how many problems you can solve for people[00:05:56] Being on a podcast interview with him for an hour, where else do you meet a billionaire who's been there, done it and got the t-shirts?[00:12:40] I believe 1 of the strengths of an entrepreneur is finishing the journeyBlog PostArticle 1: Simon Osamoh - A Journey from Organized Crime and Terrorism to EntrepreneurshipOn this episode of Beyond the Story hosted by Sebastian Rusk, Simon Osamoh shared his incredible journey from being a police officer specializing in organized crime and terrorism in the UK to becoming an entrepreneur in the US. Despite being a hard person to categorize, he has managed to make a name for himself in various fields.Here are three tips we can learn from Simon's journey:1. Embrace change - Simon's journey has been full of change. Moving from the UK to the US and switching from law enforcement to entrepreneurship, he has had to adapt to various situations. But through it all, he has taken advantage of the opportunities that come with change.2. Focus - Simon's roles have all been very stressful, but he has managed to thrive in them by focusing on the task at hand. Whether it was in law enforcement or as an entrepreneur, he puts his all into everything he does.3. Be curious - Simon's fascination with people's backstories is what drew him to podcasting. By being curious about the lives of others, he has been able to uncover inspiring stories of resilience and success.In Simon's own words, “What I really believe in is innovation and compassion and just doing things that are different.” If you're looking for inspiration on how to make the most of change and carve your own path, make sure to listen to this episode.Article 2: Staying Safe and Secure in Today's World with Simon OsamohThe world can be a dangerous place, but Simon Osamoh is doing his part to make it safer. As a security consultant and author, he has made it his mission to help organizations stay safe and secure.In this episode of Beyond the Story hosted by Sebastian Rusk, Simon discussed his background in law enforcement in the UK and how it led him to his current role as a security consultant in the US. He also shared tips on how individuals and organizations can protect themselves in today's world.Here are three takeaways from the episode:1. Don't take security for granted - It's easy to think that bad things won't happen to us, but the reality is that everyone is vulnerable. Simon encourages individuals and organizations to take security seriously and be proactive in protecting themselves.2. Be aware of your surroundings - One of the simplest things you can do to stay safe is to be aware of what's going on around you. Simon emphasized the importance of situational awareness and knowing what to look for in potential threats.3. Stay informed - With new threats emerging all the time, it's essential to stay informed about the latest security trends and best practices. Simon recommended following reputable news sources and consulting with security experts.As Simon said, “We live in a constantly evolving landscape of emerging threats and hazards.” By taking his advice and being proactive about security, we can all help make the world a safer place to live. Make sure to listen to the full episode for more insights on how to stay safe and secure.Social Post1.

Welcome to Episode 170 of the UKSP! In Simon's absence this week due to another Attack of the Stones, Dave, Gav, Rich & Mike chop it up about the Steelers MNF win and preview this weeks game in Atlanta! Please go to @UKSteelersPod or our email UKSteelersPod@outlook.com with any questions, thoughts and feedback for this show!

In this month's show, Michael and Simon are talking about the lessons we can take from history and the opportunities that we face today. Why is learning about history so important? History gives us a very clear picture of how the various aspects of society — such as technology, governmental systems, and even society as a whole — worked in the past so we understand how it came to work the way it is now. WHY IS LEARNING ABOUT HISTORY SO IMPORTANT TODAY? They begin by talking about the opportunities that we face today and what we can learn if we look back into history. Michael mentions the Spanish flu outbreak, how many people died during this time and what happened 10 years later. He then asks Simon why is learning about history so important to which his friend replies that the start point is to see if we can learn from history; if we can learn from history, it might help us to have that hindsight to make better decisions. CAN WE LEARN ANYTHING FROM 100 YEARS AGO, COMPARED TO TODAY? For Michael, it seems that certain things are repeating themselves and the main question is how does this time help us reflect and learn the lessons that people 100 years ago were experiencing? Based on events such as the First World War, The Spanish Flu and The Great Crash of 1929 Michael believes that this current episode is different. At that time we had less money in our pockets, the government were buying weapons or producing manufacturing weapons but now, the government have bailed out the population by offering furlough and grants and loans. So even though these events hold similarities, the wealth distribution is so much more different. PUMPING CASH STIMULUS TO KEEP THE ECONOMY STABLE For Simon, it's a better way of doing it than before. Because before, if you didn't do it, you cause this deflation, which causes mass unemployment, and all the complications, problems and all those horrible things that society faces through history. Whereas pouring stimulus into the economy, is like putting a pump into that blow-up bed, you're pumping, and the bed is getting bigger and bigger. It causes inflation which, in Simon's opinion, is better than deflation. WHY LOOKING AT HISTORY CAN BE HELPFUL FOR BUSINESS OWNERS? In Simon's opinion business owners need to look ahead three to five years from now to start thinking about what might happen in the next years, run some scenarios (What's the worst-case scenario for my business? What's the best-case scenario?) sit down and spend some really good quality time and draw that classic SWOT analysis, looking at the strengths and weaknesses, the opportunities and the threats, and really hone in on that threats box to see where can they deal with those threats right now and turn those threats into potential opportunities. Because if they're a threat for your business, there'll be a threat, the same threat for your competitors. Business owners and entrepreneurs need to be fit need to be sharp and make flexible decisions, ones that they know where it's okay to do a U-turn if they think we might actually have got that wrong, or suddenly the economy swings or something changes. FINAL THOUGHTS It also comes down to knowing your business, your market, knowing your distributor distribution network and your manufacturers and working on that supply chain. Start in business, stay in business and thrive in business. That would be a good statement – what do you guys think?

In Simon's birthday episode we delve into the first of the series, his Star Trek collection full of interesting items, most of which I've never seen! Enjoy!

Changes in technical breakthroughs and evolving skill needs are shaping the nature of the workplace of the future. While the pandemic did not fundamentally alter the way people cooperated, it did speed up the pace of change. This resulted in a faster adoption of the concept of remote work.   With the world adjusting to a new life after the onset of the COVID-19 pandemic, how do we best utilize the tools that we have so that we can continue our levels of productivity even in remote working situations?   In this episode, Alexander McCaig discusses this issue with Phil Simon, a keynote speaker, adviser, and Zoom and Slack educator. He is also the author of eleven non-fiction works, the most recent of which is Reimagining Collaboration: Slack, Microsoft Teams, Zoom, and the Post-Covid World of Work.   Adjustments in the Workplace   According to the Bureau of Labor Statistics, the number of Americans working remotely more than doubled from around 30 percent to 60 percent in March 2020, and organizations began embracing new collaboration platforms such as Slack, Microsoft Teams, and Zoom as part of the adjustment process as a result of this increase.    At the start of 2020, few people would be familiar with the names of even one of these tools, much alone all of them. Several of us are now working remotely as a consequence of COVID-19, and Zoom has been so widely used that it has become a verb: to "Zoom" means to communicate using video conferencing technology.   When businesses were forced to close and employees were required to wear masks, just a few businesses were allowed to continue operations as usual. The vast majority of people were entirely unprepared for the enormous changes that were about to take place in their lives. When it came to internal communication, they continued to rely on email as well as on typical corporate processes and attitudes.   A New Age of Productivity   To cope with COVID-19's repercussions on corporate organizations, employers, human resource managers, and consultants were obliged to think creatively about how they might implement a remote work strategy. Businesses had an urgent need to alter these barriers in dealing with the international economic instability caused by the virus.   If a shift to a new system is the path moving forward, what possible methods can businesses use to better utilize the tools that we currently have in this day and age?   Phil Simon suggests that companies should start embracing the Hub-Spoke model of collaboration. This model is a technique of distribution wherein a centralized "hub" operates. From the hub, products are sent outward to smaller groups known as spokes for further storage and delivery.   With this model, it aims to help firms significantly increase staff productivity, simplify current business procedures, and provide the basis for subsequent machine-learning and artificial intelligence advances.   The hub may be thought of as a meta-organization that functions in parallel to established innovation laboratories. Employees at the innovation-hub can connect informally over the web and work freely on innovation to bolster the firm's performance.   Out with the Old, In the New?   Efficiency should not be dependent on one factor alone. While the hub-spokes model creates a more systematic approach in revamping business models to fit the current situation, it is best to have it hand-in-hand with tried and tested organizational techniques.   By adopting particular initiatives and establishing a culture that supports their virtual workforce, executives may boost their teams' performance output and engagement. They must build and sustain a culture of trust, as well as modernize leadership communication methods and procedures in order to properly educate virtual personnel.    Additionally, team members must be encouraged to share leadership. Finally, executives must establish and conduct frequent alignment checks to ensure that virtual workers adhere to the organization's cultural values, including their commitment to its goals.   All of these procedures begin with the realization that team formation will be significantly different with remote members, demanding the creation of new leadership strategies, communication routines, and tools.   Final Thoughts   In a world where social distancing and remote work has become the new normal, it is now more important than ever to make good use of the current technologies we have to be just as productive as before the pandemic hit the globe.In Simon's concluding statements, he deems it important that for a collaborative system to work, employees must be willing to commit to the shift fully. Problems will surely arise when employees refuse to use certain technologies because they either find it too complicated or too time-consuming to actually learn new things instead of going the more traditional route of working.   The willingness to change is always the first step towards growth. Just as the world has changed, we must also be willing to adapt to this change. Resistance will always be a hindrance to progress, just as the refusal to learn denies a person the chance to be more efficient and productive.   It is part of TARTLE's vision to create a world where knowledge is shared and problems are solved through a collective and collaborative effort. We believe that teamwork is power, and collaboration is the key to progress. The power is back in your hands.   What's your data worth? www.tartle.co   TCAST is brought to you by TARTLE. A global personal data marketplace that allows users to sell their personal information anonymously when they want to, while allowing buyers to access clean ready to analyze data sets on digital identities from all across the globe.   The show is hosted by Co-Founder and Source Data Pioneer Alexander McCaig and Head of Conscious Marketing Jason Rigby.   What's your data worth?   Find out at: https://tartle.co/   YouTube: https://www.youtube.com/c/TARTLE   Facebook: https://www.facebook.com/TARTLEofficial/   Instagram: https://www.instagram.com/tartle_official/   Twitter: https://twitter.com/TARTLEofficial   Spread the word!

On this episode I talk with Simon. Simon lives in Australia and he is a suicide attempt survivor. ------------------------------------------------------------------------------------------------- In Simon's words... Thank you for listening to my story. If this story finds you in a dark place, recovering from one or trying to help someone who is struggling my hope is that my story has given you some hope that you can get through this tough time. If not I hope just by listening it has given you a break, even for a few minutes, from the horrible thoughts mental illness and thoughts of suicide can generate. If you’d like to reach out to me you are more than welcome and I hope tomorrow is better than today for you: *facebook* ( facebook.com/simon.angel.52 ) Support this podcast at — https://redcircle.com/suicide-noted/donations

In 2000, Simon Miller responded to an advertisement in the Winning Post to work at Griffiths Racing Stables. In Simon, Robbie shared a passion for the quality of the craft, for embracing the lives—and specialities—associated with each horse that entered their stables. In the stables appeared a grumpy grey named Big Pat, who would take Robbie and his team into the mounting yard of Flemington for a shot at the race that stops the nation: the Melbourne Cup. Hear from the likes of Simon Miller, Deane Lester and more.

Marketing in a restricted industry? Interested in subscription-based sales? This one's for you! In our latest pod, we chat with Simon Solis Cohen of Highway 29 Creative - an expert in DTC wine marketing. With a hospitality background and experience in the Napa wine scene, Simon took his passion for wine to the digital marketing space specializing in e-commerce, marketing, and DTC sales for the wine industry. We’ve decanted key takeaways from our chat to help you crush your DTC marketing goals. Get it? Wine? Crushing grapes? No? You’ve stopped reading? Great. (or should I say, grape

Simon Alexander Ong works with leaders, entrepreneurs, and teams who are ready and committed to the next level of their success. As a coach and business strategist, he helps them transcend perceived limitations, dream bigger than they’ve ever done before, and to see how powerful and gifted they truly are. You can connect with him at SimonInspires.com. In Simon's previous appearance on our podcast, he made a definitive case for peer or mastermind groups. You can find that episode here. #ThePowerOfWEBeginsWithYOU #Peernovation For ideas on why leaning on your peers and serving one another at this critical time has never been more important, listen to our podcast.  If you have questions or ideas for us, contact us today. Useful links: Leo’s latest CEOWORLD articles Leo’s books – The Power of Peers, What Anyone Can Do, Peernovation (Coming soon!) The Peer Advantage – Randy is now interviewing candidates to form his charter online/virtual charter peer advisory group for SMB owners Subscribe to the YouTube channel Connect with Leo on Linkedin | Twitter | Instagram Connect with Randy on Linkedin | Twitter | Instagram

OMN E095 | Zero to 6-Figures in 12 Months: Simon is a multi-award winning entrepreneur and is on a mission to help businesses take a common-sense approach to Health and Safety. He is the co-founder of Rhino Safety, and Roar Business Coaching. In Simon’s words, “It's time to make a change; remove the red tape and put common sense at the forefront of Health and Safety again!” Simon is also the Community Liaison Officer for the Nantwich Food & Drink Festival and a Peer Review Panel Member for ISOH (Institution of Occupational Safety & Health). He is an expert in every way, and a thoroughly outstanding human being. In this episode we talked about what businesses are having to do to re-open in line with the new COVID-19 health and safety recommendations, and how Simon and his wife Cate grew their consultancy business from zero to 6-figures in revenue in the short space of 12 months.  Don't forget to download my Bulletproof Business App for all these podcasts, upcoming events, accountability, business planning/strategy modules, inspiration and the very best business coaching content you can get!  Click HERE to download the Bulletproof Business App! This episode is sponsored by I Am Truth, one of the only CBD & Hemp based sports recovery companies in the UK. Their passion is to deliver premium products and a premium service to athletes and fitness enthusiast alike. Use discount code KEELING10 to get 10% off everything you order! I Am Truth - Train, Recover, Repeat Connect with me @TheJamieKeeling on Facebook & LinkedIn Let's work together to take your business to the next level - Business Accelerator Programmes: "Helping early stage businesses startup, accelerate & sustain high performance operations with effective business mentoring in strategy development, implementation & systemisation | Affordable, Results Focused, No BS" 1:1 Business Consultancy & Mentoring | Bulletproof Mini-Mastermind | Bespoke Business Strategy  Please SHARE, SUBSCRIBE, & leave a REVIEW!  www.BulletproofBusinessServices.com

In this episode, Claire talks to Simon Smith, headteacher of East Whitby Academy, at the Reading Rocks North Conference, where he was delivering a workshop about how teachers can encourage children to read. In Simon’s school, the staff stay. The culture is open and honest, and feedback is given in a constructive and supportive way. As with many of our podcast guests, Simon never wanted to go into teaching. He had numerous other career paths in mind, including becoming a vet, farmer and rockstar, but after completing a degree in psychology over 30 years ago, he had a couple of years where he didn’t know what he wanted to do; he is a self-confessed ‘if you don’t know what you want to do, teach’ person so he applied for a PGCE at Leicester University (linked with education psychology). During this time, he lost interest in psychology but gained interest in teaching. After qualifying with a PGCE, his wife got a job in Stockton, so Simon applied for a job in Middlesbrough. It was a baptism of fire – literally! – as his school was firebombed in the second week he was there as part of the Grove Hill riots. He worked there for 5 years before being seconded to a school in special measures, which he calls the ‘best decision’ he ever made. In the podcast, Simon discusses how his experiences have shaped how he is as a headteacher and have influenced what he does in school to ensure the best results for the children, while still promoting a positive LIFE/work balance. He talks about the work he has done with the curriculum and how he has tackled some of the challenges that are presented when working in a smaller school. It’s refreshing to hear him speak about the importance of experiences within the curriculum and how children can best be given them during their time at primary school. KEY TAKEAWAYS Teachers need systems in place to reach their full potential. If support systems are not in place, teachers aren’t being given the best opportunity to teach to the best of their ability. Being in a MAT can present opportunities to share good practice. There can also be more opportunities for progression, especially if you are part of a smaller school or teach in a smaller town. It’s important that MATs recognise that schools need to do what works for them in addition to instating what the MAT requires of them. What works for one school in a MAT isn’t necessarily going to work for all schools in the MAT, and this has a lot to do with cohorts, catchments, staff etc. It is important that the schools and MATs work together to find solutions which suit both. There’s a core set of things that all schools need to do right. Behaviour needs to be right before you can teach effectively. Establish systems in order to improve behaviour and keep it consistent, then improve teaching. It’s important to get the classroom cultures right. Schools will have different ways of dealing with behaviour. Some schools exclude, some schools don’t. There are different strategies and pressures between primary and secondary so it’s imperative for schools to do what works for them, and for the head to get involved with behaviour. Having open conversations can be beneficial for both teachers and leadership. If teachers feel trusted to be open and honest, then leadership can support them in the right way. Children need to have a broad knowledge base. It needs to be more than just knowledge of facts. There needs to be an experiential element to the curriculum. Use the National Curriculum but to have impact, make sure there is a quality end-product. It is key to use the curriculum to build fundamental knowledge and ‘procedural knowledge’, which are the skills needed for a quality end-product; these skills will also help them in later life. We need to teach children the skills to use tools and use materials. Lots of children aren’t having the same experiences that we did as children so it’s important to teach them the skills they need to know. Experiences and talk improve children’s vocabulary and understanding. Giving children experiences and talking about it develops their vocabulary, which enables them to discuss texts at a higher level. The new OFSTED framework seems to fit much more to a secondary model. The smaller the school, the more challenging it is for subject leaders in deep dives, especially for time, pressure, responsibility (especially for RQTs). Reading to a class has so many benefits. We need to be giving children a chance to get absorbed in a story. If teachers choose the reading material right, it can drive forward what you want to achieve as a school. BEST MOMENTS “So I went to this school in special measures and it was the best decision I could ever have made. It had a brilliant head, who built a brilliant team and it was the best group of people I’ve ever worked with. The staffroom was amazing: it was that real team, that real camaraderie – and quite a lot of swearing, often! – but really supporting each other and the school went from Special Measures to Outstanding in 8 years, which was amazing… we were the 5th most-improved school in the country.” “It was a really good eight years. At that point, when we got the outstanding, I thought, ‘Now’s the time to leave. I need to go to another school,’ and I got a job in another school and it was the worst decision I could possibly have made. I was there for 2 years, and at the end of the 2 years, I had to leave. It was soul-destroying.” “I did my training, my NPQH… and then went on, started applying for headships. I applied for 4 or 5 and got nowhere really, then I applied for a school in Whitby. It’s that moment when I walked in the school and it felt like the right place. It was the scruffiest school I’d ever walked into, but there was something that actually really appealed to me… about the job that was needed and the job that I could offer, and [there was] something brilliant about the kids in that school… I applied for that job and I got it, and I’ve been there ever since. I became a headteacher just about 6 years ago and the school at that point was 2x RI, was sat in RI, and we had HMI visits… to take a headship that’s in that position was quite daunting.” “Behaviour wasn’t great in school; teaching wasn’t great but actually the teachers were great. They were really good teachers but actually there were a number of systems that needed to be put in place so the teachers could teach.” “I’ve got staff still there, who have been working at the school 28, 29 years. I’m quite proud that my teachers there have been there a significant while. You talk about recruitment and retention… I have that problem with getting rid of people, because they just want to stay and that’s a real positive.” “We joined an academy trust as well, but did that on our own terms because we were a good school. We joined a trust called the Enquire Learning Trust which have been absolutely brilliant. They support and they challenge but equally they allow us to get the things right for our school.” “Our trust is great in that it doesn’t impose but it does question.” “I think behaviours are key. I think the other bit is about trust. I think, having being in a school where I was completely micro-managed and a headteacher that didn’t trust anything that you did, and then being in a school that trusts you, and would pull you on it if you got it wrong but actually gave you that chance, gave you that rope to have a go and to try stuff and to do stuff, I know which kind of school is best for teachers’ wellbeing and that’s one where teachers feel trusted and teachers are able to be reflective about their practice and talk openly about their practice without it feeling like they’re being judged.” “In the school, the headteacher had only ever come from internally… Nothing new came in and I was the first person to come from outside and there was a lot of scepticism… We’re in a position now where there’s trust, and we have really good conversations about learning and there’s an openness about developing practice, and that’s the kind of culture that I want to develop.” “We’ve spent the last 3-4 years looking at our curriculum… We’ve been having those conversations around curriculum and what we want curriculum to be for the last four years. We’ve never been a school that has ‘stripped back’ curriculum: it’s firmly our belief that curriculum needs to be broad, and the reason for that is [that] you just have to look at the SATs reading papers and actually children who do well in those are the children with a broad knowledge base.” “In the school, when I came, 30% of children hadn’t been to the beach, in Whitby… our school is less than a mile from the beach.” “In school, we believe reading’s the core of our curriculum but actually we need to place experience there and the other bit we needed to do was to create a quality around the work.” “We have something called ‘pledges’ which are a set of experiences which children will have throughout their time at school, so if they’re with us for six years, they will go down [to] the beach; they will go into a forest; they will build sandcastles; they will visit a city; they will perform on a stage – all those kind of things which are really important.” “Reading and understanding: it stems from that broad range of experiences.” “The thing that probably has the most impact for us is around creating a curriculum that’s about producing quality… if you want a quality end product, you’ve got to teach them the skills to make a quality end-product.” “There’s lots of work around talk in school… Talk’s a really important bedrock of children’s understanding.” “I walk in a classroom and children are desperate to show me their work; they’re desperate to show me what they’re doing, and that’s a big change from 3-4 years ago.” “Parents come in and are looking at the quality of what the children are doing now, and I think they’re shocked really.” “It’s not my school. It’s their school, and my job, while I’m there, is to make that school better… That’s how I see my job really: it’s not mine, it’s the community’s school.” “[The 2016 Reading SATs paper] was much more about knowledge, and language and vocabulary, than it was potentially about reading, therefore those with a broader curriculum and broader experiences did better.” “I do think the [new OFSTED] framework has been written around secondaries and the subject leader bit around the deep dive seems to fit much more to a secondary model than it does a primary model.” “We’ve created a curriculum team of 3… We free them up to go and monitor and we’ve got a rolling cycle around those 3 leading on curriculum. We’ve got an English lead, a maths lead and a curriculum team, and the others just get on with their jobs.” “Last year, I taught 74 days… for a range of reasons but partly because I’m still a teacher. I do love getting in the classroom and I’m passionate about that.” “One thing I’m massively passionate about is [that] I think all teachers should read to their class every day and there’s a couple of things around that. I think firstly it’s just brilliant. If I think back to my time at school, they’re memories and we’re creating – particularly in primary – a shared culture and a shared experience.” “Marking doesn’t really happen in our books… that in-class feedback is really key.” “We’ve used a range of intervention models, but the best way of doing intervention and support is that we’ve developed a pre- and post-teach kind of model for intervention… That’s had a significant impact around children being able to work within the lesson.” “Working walls have really impacted on workload for us, really reduced the workload around displays in classrooms.” “I think we’ve got to treat staff as human… If their kid’s in a show, they’ve got one chance to see it… We’ve got to have a school that values them and their families and their lives as well as the job, because at the end of the day, it’s a job.” “If staff go on a residential, we give them days in lieu.” “That’s the key to wellbeing in schools… you’ve got emotionally intelligent leaders that are supporting their staff at the right points because we can’t all be 100% on it all the time, for a whole host of reasons… If you don’t value them, then they won’t value you.” VALUABLE RESOURCES Simon Smith: Twitter: https://twitter.com/smithsmm East Whitby Academy: Twitter: https://twitter.com/EastWhitbyCPS Enquire Learning Trust: https://enquirelearningtrust.org/ Ron Berger – An Ethic of Excellence: https://www.goodreads.com/book/show/149026.An_Ethic_of_Excellence The Teachers’ Podcast: https://www.facebook.com/groups/TheTeachersPodcast/ Classroom Secrets Facebook: https://www.facebook.com/ClassroomSecretsLimited/ Classroom Secrets website: https://classroomsecrets.co.uk/ LIFE/work balance campaign: https://classroomsecrets.co.uk/lifeworkbalance-and-wellbeing-in-education-campaign-2019/   ABOUT THE HOST Claire Riley Claire, alongside her husband Ed, is one of the directors of Classroom Secrets, a company she founded in 2013 and which provides outstanding differentiated resources for teachers, schools, parents and tutors worldwide. Having worked for a number of years as a teacher in both Primary and Secondary education, and experiencing first-hand the difficulties teachers were facing finding appropriate high-quality resources for their lessons, Claire created Classroom Secrets with the aim of helping reduce the workload for all school staff. Claire is a passionate believer in a LIFE/work balance for those who work in education citing the high percentage of teachers who leave or plan to leave their jobs each year. Since February 2019, Classroom Secrets has been running their LIFE/work balance campaign to highlight this concerning trend. The Teachers’ Podcast is a series of interviews where Claire meets with a wide range of guests involved in the field of education. These podcasts provide exciting discussions and different perspectives and thoughts on a variety of themes which are both engaging and informative for anyone involved in education.

After Stephen is martyred, the disciples are scattered and Philip brings the gospel to Samaria, where amazing works are done through his ministry. At this point, Luke introduces us to Simon to bring our attention to the danger of self-importance. Simon and Philip illustrate a contrast between promoting our own influence or for the influence of the gospel. Who are you preaching through your life? In Simon, we have a warning to not use the gospel to advance our goals. God is not a way to have life; He is life. We can become like Simon when there are motives in our heart other than the gospel. If this is us, we can repent, make our lives about Christ and be filled with rest in Him!

Welcome to Finance & Fury! Today we’re talking about five property investing myths you have to stop believing. At the moment property has gone from being the most talked about, exciting thing… to the most talked about, negative thing. Since 1994 there has been considerably accelerated growth in the property market. Generations have seen this, leading everyone to believe that “property always goes up”. Everyone knows someone who lost someone in the stock market especially around the time of the GFC but made money on property.   Myth one: Negative gearing is a great investment strategy (especially for the tax benefits) Negative gearing relies on you making a loss on an investment property while speculating the capital values will increase enough over the longer term to make a profit. While it can be good for some investors, it isn’t going to be perfect for everyone, so you should consider looking at positively geared properties or reducing your overall debt position.    Chalk this myth up to property spruikers and investment marketers who have a vested financial interest in getting you to overpay for property.  People have made money from negative gearing in Australia, but there are better investment strategies out there than relying on negative gearings’ tax benefits.  What’s a quick example of negative gearing? Simon buys an investment property, and the expenses for this property are more than the rental income he earns, resulting in a $15,000 annual loss. In other words, Simon has to contribute $1,250 each month from his cashflow to hold the property. As a result, Simon can use this $15,000 annual loss to reduce his taxable income from $110,000 to $95,000 resulting in a $5,850 tax subsidy to Simon. The property still costs Simon $9,150 per year.  Negative gearing is a bad investment strategy for a number of reasons. It robs your cash flow. In Simon’s case, he needs to pay $1,250 of his income every month to hold the property. You can only make money by selling the property. But remember, each year Simon holds the property it costs him $9,150 after tax. It generally relies on you being heavily indebted and can limit the number of investments you can hold. It costs Simon $1,250 every month to hold the property which limits his borrowing capacity. Depreciation tax benefits reduce over time. It is reliant on a tax strategy that could be removed after the next federal election. Although it should be grandfathered, meaning no retrospective tax changes, so Simon may not be affected.   Myth two: The Australian property market is going to drop 40%  The media had been suggesting properties in Sydney and Melbourne were set to fall by 40%. This is VERY wrong. Need convincing? In the same 60 Minutes episode that Martin North made this statement, 60 Minutes’ reporter Tom Steinfort incorrectly reported Australian property prices have only ever gone up.   Australia’s property market moves in cycles, and Australia’s largest housing market Sydney has seen values fall 5.6% since their peak in July 2017. But this is nothing new.  In the GFC we saw Sydney dwelling values fall 7% over 12 months, After the Sydney Olympics (downturn in 2003-2006) we saw a reduction in values of 7.1% So, what about that 40% fall in property prices? The forecaster Martin North suggested the 40% drop in house prices was not his central scenario. Australia’s unemployment rates would have to hit 9.5%, mortgage stress levels would need to increase above 40% and bank losses would need to increase fourfold. It’s important not to think of Australia as one single property market. Each individual state and city is in its own stage, within the property cycle.  You are buying a property, you are doing just that: buying the individual property and not the market. So individual property research is key. The positive factors underpinning our property market include:  Strong population growth and net migration up 27.3% year-on-year; Urbanisation in limited supply areas Low unemployment and good employment growth, with ABS reporting “trend employment increased by 303,100 persons (or 2.5 per cent), which was above the average annual growth rate over the past 20 years of 2.0 per cent”; and Inflation is under control, at the lower end of the RBA’s target band of 2-3%.   Myth three: Rent money is dead money You should buy where you live, get a massive mortgage, and spend the rest of your life paying it off right?  Rentvesting allows you to live where you want, and invest where you can afford.  With Sydney and Melbourne median house prices nudging towards $1 million, saving a deposit seems to be getting harder for most home buyers. So rather than buy on the outskirts, why not rent where you want to live and invest where you can afford?  Pros: For the lifestyle. You can live close to your work or in the city, and live the lifestyle you want to live.  Get into the market quicker. In Sydney, the average place will set you back $1 million. You can choose where you want to invest. With rentvesting, you don’t need to buy where you want to live. You can invest in outer suburbs or different areas to give you more choice. If you own the house you’re living in and decide that you want to travel or move to a new city, you need to sell it. When renting, you can just wait until your lease runs out, instead of having mortgage worries. Instead, with rentvesting, you’ll have a property manager who will take care of it, so you have complete flexibility. Ability to diversify. If you’ve got a home, you want to try and pay it off as quick as you can. But if you’ve got an investment property you can make a minimum payment on your loan and focus on other things. You will be able to diversify your investments — for example in different geographical locations, different asset classes (houses, units or townhouses) or different classifications (shares or property).   Myth four: Renovations always add value to property I’ve done my fair share of renovations but I’m sorry to say it’s not true that renovations always add value to a property. Might seem fairly logical spending $40,000 on a new bathroom and kitchen should add $40,000 value to your property, this might not actually be the case. Michael Matusik using Underwood in Brisbane as an example – two thirds of the detached houses resold across South East Queensland over the last decade have had a renovation between sales.  One out of four cases, the renovation costs were close to half of the previous purchase price. And in 10% of cases, the cost of this renovation actually exceeded the cost of the previous total purchase price. So, while these property owners may have spent more than the previous purchase price on their renovations, they may not have added the same amount to the value of their property.    Now I’ll admit, there is no broad-brush approach to property renovations that will work across Australia. But, before you consider any renovation work, it’s worth taking the time to research the local area and speak with local real estate agents. Understand what appeals to local buyers — and how you can maximise the bang for your renovation buck.   Myth five: The banks aren’t approving investment loans In August, the ABS reported investment housing commitments fell by 1.20% and the total value of dwelling financing commitments fell 2.1%. So, have the banks stopped lending?  What about the reports from earlier in the year that up to 40% of loan applications were being rejected? Is the sky on investment lending falling? - No.  Yes, the financial services royal commission has had an impact on the way the banks are assessing home loan applications. But in the last six months, we have found while the banks are requesting more information on 57% of applications (compared to 36% last year), the total number of home loans submitted to settled are in line with previous years. In other words, the banks are asking for more information and taking more time to assess, but still approving the right loan applications.    So, what is the secret to getting investment loans approved?   Look at other banks  Different lenders have different policies. Where this impacts lenders today is with the banks’ serviceability benchmark rates meaning some banks will assess the loans you hold them at a higher interest rate than those held with another bank.  Put another way, say you have an existing loan of $500,000 with bank A, and you’re looking at applying for a new loan of $250,000. Applying with that same bank will mean they assess your existing loan at 7.25% based on P&I repayments. If that $500,000 loan was held with another bank, and you were applying with Bank A for a new loan of $250,000 they would take the repayments of the $500,000 loan at the actual amount being closer to 4% increasing your borrowing capacity.    Principal and interest repayments  What would have been considered insanity a few years ago is now a reality. After APRA’s speed limits put in place last year, investment interest-only loans attract a higher interest rate. Look at principal and interest options, it might actually work out better for you. According to Macquarie Bank, “using a 0.5 percentage point [interest rate] differential, Macquarie found that a bank customer in the top tax bracket with a $500,000 loan would be $6,000 better off after five years, and $12,000 better off after 10 years switching to P&I.”   Lender, lender, lender It used to be location, location, location but now its lender, lender, lender. Another policy we are finding can trip up investors is how rental income on apartments is treated. There are some lenders who will reduce rental income by 50% depending on the specific complex (presumably determined by the lenders total exposure to that apartment complex). Ask your mortgage broker to check ahead to make sure you don’t get caught out.    Sheesh, Jayden gets around...here is a link to where these myths appeared on the Smart Company website  

Simon Bucknall is a renowned public speaking expert, who, naturally enough I first heard talk at Ted X London this summer. Simon is passionate about creating greater inspirational impact through the art of verbal communication—a skill all too often overlooked in today’s society. Over the past decade, Simon has helped professionals from all walks of life take their speaking skills to the next level. His clients span senior figures across all industry, refugees, social entrepreneurs, government ministers, wedding speakers, as well as school children and prison inmates. Without being able to communicate our message clearly, what are we and what hope do we have? “A former education secretary of this country once said “Children naturally learn to speak, they don’t naturally learn to read,” which, in my view, is an absurd distinction.” [6:49] In Simon’s talk he describes four key skills society needs to keep in mind while moving forward: collaboration, critical thinking, creativity, communication – but there are some inherent issues in that last one, communication. It’s a skill we take for granted. It’s not a part of core curriculum in education, which also translates over to policy makers. There is an idea that once you’re literate, your ability to speak just naturally improves over time. So, there is an emphasis on analytical reading skills in education and speaking is seen as a “soft skill” something easy. This just simply isn’t the case, especially when under pressure and there are things at stake while speaking. Whether it is speaking at a wedding, speaking to colleagues, pitching an idea before a company’s board—communication is key to success. In the mid 2000’s an inner city study showed the average student spoke 4 words per school lesson. It’s simply not being reinforced in education. Teachers are incentivised to have their students study for tests, mainly focused on reading and reading comprehension. “One of the big challenges in public speaking is handling disruption, you never know what’s going to happen.” [16:16] After an awkward mid-interview interruption, we go into things that scare people while speaking in public. At the core of it, it’s a fear of appearing silly. A fear of tarnishing your reputation. If may be you are afraid of sounding dumb in front of classmates, or in a business setting, you have to establish your credibility to present ideas to others. And just look at politics, not speaking correctly and communicating clearly can have huge ramifications. [22:51] Simon has spent years breaking down barriers for people to help them engage in public speaking. In working in the middle east, Simon grabbed a vase and set it in the middle of the room—telling everyone to pretend that it was a campfire, and they were going to sit around it and share stories, something integral to the culture. This completely changed the energy in the room and opened people up to tell some powerful stories, something that is sorely missing in corporate settings. Simon has worked for charities, including I CAN (https://www.ican.org.uk/) – an organization that works to support children with learning and communication needs across the country. Simon finds himself doing more one-on-one work with clients on top of larger groups (100+) and if you are interested in seeing more of his work or finding coaching sessions. You can find Simon at SimonBucknall.com (https://www.simonbucknall.com/) Links Speakers Trust (https://www.speakerstrust.org/)   Support this podcast

Welcome back for Episode 28! It's my pleasure to welcome Simon Walter for this episode - a masterclass on all things health and safety, beards and business coaching! Simon is on a mission to help businesses take a common-sense approach to Health and Safety. He is the co-founder of Rhino Safety, and Roar Business Coaching. In Simon’s words, “It's time to make a change; remove the red tape and put common sense at the forefront of Health and Safety again!” Simon is also the Community Liaison Officer for the Nantwich Food & Drink Festival and a Peer Review Panel Member for ISOH (Institution of Occupational Safety & Health). He is an expert in every way, and a thoroughly outstanding human being!   And don't forget to connect with me @TheJamieKeeling and check out my blog at Little Grey Says Thanks for listening - and remember... stay OPTIMISED!   "Find your Passion, Live with Purpose, Make an Impact!"   Don't forget to subscribe and come and say hello to us on our social media pages!! You can find out more about Jamie on Facebook, at his blog and at Optimise Me!   www.optimisemenow.com

Simon Hauger is co-founder and principal at The Workshop School  a Philadelphia public school dedicated to unleashing the creative and intellectual potential of young people to solve the world’s problems. We talk about their project based model and the challenges of starting a school from scratch with an ambitious education agenda. In Simon’s TED talk he describes building hybrid cars with high school students and his pilot school called the Sustainability Workshop was featured as part of the PBS documentary “Is School Enough?”

John and Damon chat with Simon Wardley about DevOps, the Cloud, and the nature of competitive advantage between companies. In Simon's usual style, he bridges the gap between the practical and the deep theoretical.  Show notes are at http://devopscafe.org

[Re-posted with permission from Jenny Attiyeh’s ThoughtCast] Simon Johnson, the Professor of Entrepreneurship at MIT’s Sloan School of Management, and former chief economist at the International Monetary Fund, is an outspoken critic of the US government response to the financial crisis. Now he takes on the “too big to fail” banks which continue to threaten our economy.  In his latest book, called 13 Bankers: The Wall Street Takeover and the Next Financial Meltdown (Pantheon, 2010), which he co-wrote with James Kwak, Simon argues that if the biggest banks aren’t cut down to size, it’s only a matter of time before we face another financial crisis. And once again, the government – aka the taxpayers – will be obliged to step in and bail out these behemoths. In Simon’s words, if they’re too big to fail — they’re too big to exist! Simon Johnson is also a senior fellow at the Peterson Institute for International Economics.  And he’s the co-author, again with James Kwak, of the influential economics blog The Baseline Scenario. Simon spoke with ThoughtCast at the Harvard Book Store in Cambridge, Massachusetts.