Podcasts about INI

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Latest podcast episodes about INI

SiKutuBuku
Belajar dari Orang yang Tidak Setuju dengan Kita

SiKutuBuku

Play Episode Listen Later Nov 30, 2022 9:29


Saya membahas kalau kita bisa belajar dari orang yang tidak setuju dengan kita. Ini merupakan rangkuman dari video TED Talk Shreya Joshi yang berjudul What you can learn from people who disagree with you dan diolah dari berbagai sumber. Kamu pasti pernah terlibat dalam sebuah argumen atau diskusi. Tapi, kadang hal ini tidak produktif. Kamu perlu belajar cara berdiskusi yang benar dan juga cara berdebat yang baik dan benar. Ini tentunya bagus, karena kamu jadi tahu cara menanggapi pernyataan orang lain. Tidak semua orang belajar tips menang debat. Padahal ini penting, agar kita tahu cara menyelesaikan masalah dengan orang lain dan tahu tips membuat argumen. Yang paling penting, jangan merasa paling benar dan anti kritik. Coba bayangkan skenario ini. Kamu sedang berbicara dengan seseorang, hingga akhirnya, muncul sebuah topik. Nah, kamu punya pandangan yang berbeda dengan orang tersebut. Hal ini tentunya bisa berakibat fatal apabila kamu tidak bisa mengelola situasinya dengan baik. Ingat, pendapat seseorang dibentuk melalui pikiran, pengalaman, dan nilai yang dia anut. Inilah alasan kenapa pendapat pribadi bisa punya makna yang dalam bagi seseorang, karena sifatnya personal. Namun ketika belajar tentang orang tersebut, sedikit demi sedikit, hal ini membawa kita pada sebuah kejelasan dan pengertian kenapa orang tersebut yakin atas pendapat yang dianut.

Rumayshocom
Bulughul Maram - Kitab Shalat, Episode 159: Dua Rakaat Ringan Shalat Sunnah Fajar

Rumayshocom

Play Episode Listen Later Nov 28, 2022 2:22


Episode kali ini adalah episode kompilasi bahasan tuntas dari Kitab Bulughul Maram karya Ibnu Hajar Al-‘Asqalani, Kitab Shalat yang dipandu oleh Ustadz Muhammad Abduh Tuasikal, M.Sc. Ini adalah bahasan ringkas yang bersumber dari Syarh para ulama terutama dari Minhah Al-‘Allam fii Syarh Bulugh Al-Maram karya Syekh ‘Abdullah Al-Fauzan, Fath Dzi Al-Jalali wa Al-Ikram bi Syarh Bulugh Al-Maram karya Syekh Muhammad bin Shalih Al-‘Utsaimin, dan Subul As-Salam Al-Muwshilah ila Bulugh Al-Maram karya Muhammad bin Isma'il Al-Amir Ash-Shan'ani. Silakan catat faedah berharga dari pembahasan ini dan amalkan ilmu yang telah didapat. Semoga bermanfaat :)

ini semoga sunnah isma silakan fajar maram ustadz muhammad abduh tuasikal kitab bulughul maram kitab shalat syarh bulugh al maram syekh muhammad
Rumayshocom
Bulughul Maram - Kitab Shalat, Episode 158: Inilah Dalil Shalat Sunnah Qabliyah Magrib

Rumayshocom

Play Episode Listen Later Nov 28, 2022 2:35


Episode kali ini adalah episode kompilasi bahasan tuntas dari Kitab Bulughul Maram karya Ibnu Hajar Al-‘Asqalani, Kitab Shalat yang dipandu oleh Ustadz Muhammad Abduh Tuasikal, M.Sc. Ini adalah bahasan ringkas yang bersumber dari Syarh para ulama terutama dari Minhah Al-‘Allam fii Syarh Bulugh Al-Maram karya Syekh ‘Abdullah Al-Fauzan, Fath Dzi Al-Jalali wa Al-Ikram bi Syarh Bulugh Al-Maram karya Syekh Muhammad bin Shalih Al-‘Utsaimin, dan Subul As-Salam Al-Muwshilah ila Bulugh Al-Maram karya Muhammad bin Isma'il Al-Amir Ash-Shan'ani. Silakan catat faedah berharga dari pembahasan ini dan amalkan ilmu yang telah didapat. Semoga bermanfaat :)

ini semoga sunnah inilah isma silakan maram ustadz muhammad abduh tuasikal kitab bulughul maram kitab shalat syarh bulugh al maram syekh muhammad
SiKutuBuku
Kerja Efektif 4 Hari Seminggu | 4 Day Work Week

SiKutuBuku

Play Episode Listen Later Nov 25, 2022 10:04


Saya membahas empat hari bekerja itu ternyata bisa memberikan dampak yang lebih positif. Ini merupakan rangkuman dari video TED Talk Juliet Schor yang berjudul The case for a 4-day work week dan diolah dari berbagai sumber. Umumnya, kita bekerja selama lima hari dalam seminggu. Sekarang, ada gerakan untuk mengubah lima hari kerja menjadi empat hari kerja, tanpa memangkas gaji karyawan. Gerakan ini telah diuji coba di beberapa negara misalnya di Amerika Serikat dan Irlandia. Hasilnya? Positif sekali, mulai dari tingkat kepuasan pelanggan hingga peningkatan pendapatan dan penurunan pergantian karyawan. Apakah model kerja baru yaitu empat hari bekerja bisa menjadi masa depan kita dalam bekerja?

SiKutuBuku
Tips Punya Ingatan yang Kuat | Unlimited Memory

SiKutuBuku

Play Episode Listen Later Nov 21, 2022 9:09


Saya membahas buku Unlimited Memory karya Kevin Horsley. Buku ini membahas bagaimana kita bisa meningkatkan kemampuan otak untuk belajar lebih cepat, mengingat lebih banyak, dan bekerja lebih produktif. Apakah kamu tahu? Rahasia hidup adalah ingatan kuat. Kita punya ingatan yang baik. Namun hal ini tidak berjalan alamiah, kita harus melatihnya. Kita bisa belajar meningkatkan daya ingat agar punya memori yang kuat. Ini merupakan latihan otak yang bisa kita pelajari untuk mempertajam daya ingat sehingga kita bisa mengakses kekuatan otak dengan maksimal. Banyak orang tidak pernah menyentuh 10% dari potensi memorinya. Kita terbiasa melatih otak kita untuk memiliki perhatian yang pendek. Alhasil, banyak orang tidak bisa fokus dalam waktu yang lama. Misalnya, rata-rata orang melihat handphone mereka 50 kali sehari. Kita membaca email, berita, media sosial, dan sebagainya, di saat kita seharusnya menghabiskan waktu untuk keluarga dan orang yang dicintai.

SiKutuBuku
Stop Menyalahkan Diri Sendiri!

SiKutuBuku

Play Episode Listen Later Nov 18, 2022 10:31


Saya membahas pentingnya untuk tidak terlalu keras pada diri sendiri. Apakah kamu sering menyalahkan diri sendiri? Atau, kamu mungkin bertanya, kenapa sering merasa bersalah? Hal ini penting untuk mengatasi galau yang kamu hadapi dan juga cara menghilangkan stress. Kamu harus memulainya dengan memaafkan diri sendiri, coba pelan-pelan menerima diri sendiri dan belajar untuk berhenti menyalahkan diri sendiri. Ini merupakan rangkuman dari video TED Talk Dan Harris yang berjudul The benefits of not being a jerk to yourself dan diolah dari berbagai sumber. Bagaimana pandanganmu soal dirimu sendiri? Apakah kamu melihat dirimu sebagai orang yang baik, ramah, dan rendah hati? Atau kamu melihat dirimu sebagai orang yang arogan dan egois? Kadang kita punya persepsi yang buruk terhadap diri kita sendiri. Kita tidak menganggap diri kita sebagai teman, tapi sebagai musuh. Alhasil, hubungan kita dengan diri sendiri malah membuat hubungan kita dengan orang lain menjadi rumit.

El Garaje Hermético de Máximo Sant
Avia: De los aviones a los camiones

El Garaje Hermético de Máximo Sant

Play Episode Listen Later Nov 17, 2022 15:53


Todos saben que la marca sueca Saab antes de hacer coches hacían aviones. Pero poco que la marca española AVIA antes de hacer camiones y autobuses hacían aviones… Los AVIA fueron unos excelentes camiones, no muy conocidos y con una historia muy interesante. En los 70 y hasta mediados de los 80 había un cierto “pique” entre los partidarios de los camiones Barreiros y de los Pegaso… Pero no eran los únicos camiones. Es cierto que prácticamente monopolizaban el sector de los grandes, pero entre los ligeros estaban los Ebro y, mis favoritos, los Avia. Me parecían más bonitos, modernos y “aerodinámicos” que sus rivales… y no iba desencaminado. Aeronáutica Industrial S.A. En 1923 el Sr. Jorge Loring Martínez creó en el madrileñísimo barrio de Carabanchel Alto una compañía dedicada a la fabricación de material aeronáutico llamada Talleres J. Loring. En 1934, que España ya vivía una situación pre-bélica su empresa crece y se convierte en una sociedad anónima, pasando a denominarse Aeronáutica Industrial S.A. (AISA), y fabricando aviones para el gobierno de la República, aviones de entrenamiento bajo licencia Fokker y diferentes versiones del curioso autogiro “La Cierva”. Nace AVIA. En la España de esos años no había de nada. Centrándonos en el parque automovilístico, la guerra había hecho estragos y los vehículos que quedaban eran pocos, en mal estado y peor mantenidos. Y en España, convertida en autarquía, no entra nada de fuera. La dirección de la empresa busca nuevas áreas de negocio. Incluso se fabrica menaje de cocina, pero con visión de negocio, se crea en 1957 una sección dedicada a la fabricación inicialmente de motocarros denominada AVIA. EL AVIA 200 se diseña desde cero, utilizando un motor Hispano-Villiers de 197 cm3, 8,4 CV, bastantes para la época y, por supuesto, 2 tiempos. Era un motocarro moderno, con frenos hidráulicos, capacidad para 500 kg y el único homologado en su tiempo para tres personas. INI, dinero y tecnología. AVIA vendió un 33 por ciento de su empresa al INI, Instituto Nacional de Industria, dependiente del Estado. De este modo, con la llegada del INI, AVIA consiguió dinero y tecnología para dar el siguiente paso: Fabricar camiones. En 1960 se presentó el camión madrileño, el AVIA 2500, con motor Perkins de 61 CV y diseñado con la ayuda del departamento técnico de Pegaso. El AVIA 2500 era un camión muy destacable para la época. Su cabina, diseñada nada menos que por Pedro Serra, resultaba mucho más bonita, moderna y hasta aerodinámica que sus rivales. Y tanto en la cabina, como en el resto de componentes, la calidad aeronáutica se dejaba notar. Además, eran económicos de compra y mantenimiento, aunque nunca tuvieron una ventaja que si acabaron teniendo sus rivales: La cabina abatible. AVIA crece. Tras el 2.500 y con cabina casi idéntica, llega el 4000, con motor Perkins de 4,2 litros y 68 CV. Entre 1962 y 1973 a gama crece con modelos de entre 1.500 kg y 7.000 kg de carga útil y pasa a fabricarse en Setúbal, Portugal bajo la marca SODAG. Ya para entonces la marca tenía fama de construir camiones con un nivel de calidad superior a la competencia, especialmente en lo referido a acabados. Y esto la sitúa en muy buena posición para fabricar autobuses y autocares. Ya con la base del 3.500 AVIA fabricaba microbuses de 16 plazas, pero quieren ir más lejos. Y para ello se asocia con su Rival, Motor Ibérica, cuya marca comercial es EBRO. Al final AVIA acabaría convirtiéndose en una especie de segunda marca algo más premium de EBRO. Fabricó furgonetas e incluso las pequeñas Siata sobre base Seat 600 y 850 se pudieron ver con marca AVIA. Pero su alianza con EBRO fue una alianza envenenada. Motor Ibérica, propietaria de la marca EBRO, primero con el apoyo de Ford y luego con el de Massey Fergusson, ambos accionistas en su momento, EBRO toma la delantera, por ejemplo, al presentar su canina abatible en su serie D. y Motor Ibérica decide hacerse con el control de AVIA y en 1984 desaparece la marca. La fábrica, que en esos momentos estaba en la localidad madrileña de Cuatro Vientos, una zona con mucha influencia aeronáutica, cierra … una verdadera pena. Luego llegó Nissan y la que desapareció fue EBRO… Camión del día. No lo puedo evitar, aunque los más modernos de cabina más cuadrada me gustan, los primeros Avia 2.500 y 3.500 con esa cabina redondeada en el frontal me parecen más personales que ninguna otra. Pude conducir uno e incluso en vacío, con sus 61 CV, requería paciencia. No quiero ni pensar en un viaje a plena carga por las carreteras de finales de los años `60 en España. Si los camioneros me parecen, aún hoy día, unos héroes, entonces lo eran aún más, Hay otra marca AVIA que desde 1919 fabrica aviones, camiones y furgonetas sin ninguna relación con la española. Era una empresa checa ahora en manos de la empresa india Hinduja.

Aldo B. Martin Presents: The Reclamation
Read the Terms and Conditions

Aldo B. Martin Presents: The Reclamation

Play Episode Listen Later Nov 16, 2022 24:19


Ini tells us how the church helped him to get his life together.   Despite this, Ini left.  He begins to tell us why.  Ini mentions the term “spiritual abuse” and explains why this phrase is troublesome to him as it pertains to the ICC.   In states that his time with the church was very positive for the most part.  However, as he witnessed the manner in which others were treated, he began his movement away from the organization.  Ini had to make a decision as his relationship with the church was having an effect on his relationship with his family.   Despite leaving the organilzation several years ago, Ini states that he has begun his healing process fairly recently.  Support the showOther Podcasts by Aldo B. Martin:Jammin' on the One The Fatherhood Project YALD. The Podcast

SiKutuBuku
Masa Depan Twitter Future di tangan Elon Musk

SiKutuBuku

Play Episode Listen Later Nov 16, 2022 9:39


Saya membahas bagaimana masa depan Twitter setelah dibeli oleh Elon Musk. Ini boleh dibilang merupakan contoh transformasi digital yang dimulai dari akuisisi twitter, lalu melakukan twitter delisting. Artinya, saham twitter tidak ada lagi di bursa setelah elon musk beli twitter. Saya akan menjelaskan alasan elon musk membeli Twitter. Mungkin saja hal ini terkait dengan budaya inovasi. Pada awalnya, Twitter merupakan tempat di mana para underdog bisa menantang mereka yang punya uang dan kuasa. Namun sekarang, Twitter telah dimiliki oleh salah satu orang terkaya di dunia yang punya kuasa penuh menentukan ke mana Twitter akan bergerak di masa depan.

Plus podcast – Maths on the Move
Voices from Ukraine: Yuriy Semenov

Plus podcast – Maths on the Move

Play Episode Listen Later Nov 15, 2022 20:08


Yuriy Semenov was forced to leave Ukraine, and his work at the Institute of Hydromechanics at the National Academy of Sciences, due to the Russian invasion of February 2022. He found sanctuary in Britain at the University of East Anglia. In part this was thanks to the Solidarity for mathematicians programme ran by the Isaac Newton Institute for Mathematical Sciences (INI). In this podcast Yuriy speaks to the INI's Dan Aspel and shares his experience of the Russian invasion of Ukraine, and why the work of a mathematicians is always possible. We are very pleased to host this episode of the Living Proof podcast as part of our collaboration with the wonderful INI.

SiKutuBuku
Rahasia Sukses Perusahaan Besar | New to Big

SiKutuBuku

Play Episode Listen Later Nov 14, 2022 9:24


Saya membahas buku New to Big karya David Kidder. Buku ini membahas bagaimana cara membangun perusahaan dari nol hingga sukses di dunia yang baru. Ini merupakan rahasia perusahaan besar dan rahasia perusahaan terkenal. Mereka memiliki sistem perusahaan dan manajemen perusahaan yang baik. Kamu pun bisa meniru konsep bisnis dan juga konsep perusahaan mereka. Coba bayangkan skenario ini. Kamu adalah pemimpin dari sebuah perusahaan yang besar. Selama puluhan tahun, konsumen menyukai produk atau jasa yang kamu jual dan mereka sudah mengenali logomu dari kejauhan. Lalu tiba-tiba saja, ada kompetitor muncul dan dalam waktu singkat, pangsa pasarnya membesar, hingga kamu pun kewalahan. Ini adalah gambaran dunia yang kita tinggali saat ini, semua bergerak begitu cepat. Hal ini bukan hanya jadi ancaman bagi perusahaan baru, tapi juga perusahaan yang sudah lama berdiri.

Rumayshocom
Bulughul Maram - Kitab Shalat, Episode 157: Keutamaan Shalat Qabliyah Asar Empat Rakaat Dapat Doa Rahmat

Rumayshocom

Play Episode Listen Later Nov 14, 2022 2:19


Episode kali ini adalah episode kompilasi bahasan tuntas dari Kitab Bulughul Maram karya Ibnu Hajar Al-‘Asqalani, Kitab Shalat yang dipandu oleh Ustadz Muhammad Abduh Tuasikal, M.Sc. Ini adalah bahasan ringkas yang bersumber dari Syarh para ulama terutama dari Minhah Al-‘Allam fii Syarh Bulugh Al-Maram karya Syekh ‘Abdullah Al-Fauzan, Fath Dzi Al-Jalali wa Al-Ikram bi Syarh Bulugh Al-Maram karya Syekh Muhammad bin Shalih Al-‘Utsaimin, dan Subul As-Salam Al-Muwshilah ila Bulugh Al-Maram karya Muhammad bin Isma'il Al-Amir Ash-Shan'ani. Silakan catat faedah berharga dari pembahasan ini dan amalkan ilmu yang telah didapat. Semoga bermanfaat :)

ini semoga empat dapat isma silakan keutamaan rahmat asar maram ustadz muhammad abduh tuasikal kitab bulughul maram kitab shalat syarh bulugh al maram syekh muhammad
Aldo B. Martin Presents: The Reclamation
Brother From Another...

Aldo B. Martin Presents: The Reclamation

Play Episode Listen Later Nov 13, 2022 25:38


Today we speak with Ini.  Ini is a former member of the International Christian Church, or ICC for short.   Ini tells us why he wanted to lend his voice to the collective that is the Reclamation Podcast.   Ini  was a part of the ICC in London, England.   He was a member from 2009 up until 2013.   Upon joining, he wasn't aware of the ICC's previous history or relationship to the ICOC.  Ini recounts and retells the unorthodox manner in which he first came in contact with the organization.   At this point in the program, we have heard many stories and many of the themes are similar and bleed into one another in some form or fashion.  What's interesting about Ini's story is that, despite a lapse in time and a difference in organization, the experience is similar if not the same to those that have appeared on the program before him.   Support the showOther Podcasts by Aldo B. Martin:Jammin' on the One The Fatherhood Project YALD. The Podcast

SiKutuBuku
Rekan Kerja bukan Keluarga Kamu!

SiKutuBuku

Play Episode Listen Later Nov 11, 2022 9:55


Saya membahas kalau orang yang kamu temui dalam bekerja bukanlah keluargamu. Ini merupakan rangkuman dari video TED Talk Gloria Chan Packer yang berjudul Work is not your family dan diolah dari berbagai sumber. Mungkin kamu pernah dengar kalau di tempat kerjamu sekarang bilang,”Kalau kerja di sini mah kayak keluarga.” Nah, di jaman sekarang, ungkapan seperti ini justru dianggap sebagai red flag. Tentu saja, kita menghabiskan minimal seperempat jam hidup kita dalam sehari untuk bekerja. Memiliki tempat kerja yang nyaman dan bekerja dengan orang yang enak, tentu saja merupakan sebuah keberuntungan tersendiri. Tapi, ketika kamu memberi label kalau orang yang ada di tempat kerjamu sebagai keluarga, hal ini ternyata bisa mengganggu kesehatan mentalmu, mungkin saja kamu bisa burnout karena tidak mengetahui batasan mana bekerja dan tidak.

PSETUHNYA
S2E48 - Efek Stress, Tidur dan Kegiatan Kompleks Untuk Kesehatan Otak - The Alzheimer's Solution Part 3 oleh Willy Yonas, Bachelor of Health Ministry

PSETUHNYA

Play Episode Listen Later Nov 10, 2022 31:15


Ini bagian terakhir dari rangkuman buku The Alzheimer's Solution mengenai efek stress, tidur dan kegiatan kompleks untuk otak. Hal-hal ini mungkin terlihat sederhana, tapi sebenarnya memiliki efek yang luar biasa bagi kesehatan otak. Enjoy listening!

Plus podcast – Maths on the Move
Voices from Ukraine: Nataliya Vaisfel'd

Plus podcast – Maths on the Move

Play Episode Listen Later Nov 8, 2022 24:47


Professor Nataliya Vaisfel'd was until recently a mathematician at Odesa I. I. Mechnykov National University. Forced to flee Ukraine after the Russian invasion of her home country in February of this year, Nataliya has since travelled across Europe with her wheelchair-bound mother and their dogs, eventually finding sanctuary in Britain. In part this was thanks to the Solidarity for mathematicians programme ran by the Isaac Newton Institute for Mathematical Sciences. She is now a Senior Lecturer at King's College London.  In this podcast Nataliya tells her story in conversation with the INI's Dan Aspel. We are very pleased to host this episode of the Living Proof podcast as part of our collaboration with the wonderful INI. This podcast was produced as part of our collaboration with the Isaac Newton Institute for Mathematical Sciences (INI) – you can find all the content from our collaboration here. The INI is an international research centre and our neighbour here on the University of Cambridge's maths campus. It attracts leading mathematical scientists from all over the world, and is open to all. Visit www.newton.ac.uk to find out more.  

Rumayshocom
Bulughul Maram - Kitab Shalat, Episode 156: Dijanjikan Bebas dari Neraka dengan Empat Rakaat Qabliyah dan Bakdiyah Zuhur

Rumayshocom

Play Episode Listen Later Nov 3, 2022 1:57


Episode kali ini adalah episode kompilasi bahasan tuntas dari Kitab Bulughul Maram karya Ibnu Hajar Al-‘Asqalani, Kitab Shalat yang dipandu oleh Ustadz Muhammad Abduh Tuasikal, M.Sc. Ini adalah bahasan ringkas yang bersumber dari Syarh para ulama terutama dari Minhah Al-‘Allam fii Syarh Bulugh Al-Maram karya Syekh ‘Abdullah Al-Fauzan, Fath Dzi Al-Jalali wa Al-Ikram bi Syarh Bulugh Al-Maram karya Syekh Muhammad bin Shalih Al-‘Utsaimin, dan Subul As-Salam Al-Muwshilah ila Bulugh Al-Maram karya Muhammad bin Isma'il Al-Amir Ash-Shan'ani. Silakan catat faedah berharga dari pembahasan ini dan amalkan ilmu yang telah didapat. Semoga bermanfaat :)

dengan ini semoga empat isma bebas silakan neraka maram kitab bulughul maram kitab shalat ustadz muhammad abduh tuasikal syarh bulugh al maram syekh muhammad
SiKutuBuku
Jangan Gagal Cepat, tapi Gagal secara Sadar

SiKutuBuku

Play Episode Listen Later Nov 2, 2022 9:40


Saya membahas sudut pandang yang berbeda saat melihat kegagalan, tidak melulu kita harus gagal cepat dan sering untuk belajar, tapi kita juga perlu memahami dampaknya ketika sebuah bisnis gagal, sehingga kita tidak sembrono dan gegabah dalam membuat sebuah keputusan. Ini merupakan rangkuman dari video TED Talk Leticia Gasca yang berjudul Don't fail fast, fail mindfully dan diolah dari berbagai sumber. Kita merayakan para pengusaha berani yang dengan kecerdikannya membawa mereka pada kesuksesan. Tapi, bagaimana dengan yang gagal? Seringkali, mereka mengubur cerita mereka sendiri entah karena malu atau dipermalukan. Alhasil, mereka kehilangan kesempatan berharga untuk bertumbuh. Bagaimana bila kita mendorong para pengusaha untuk berani menceritakan kisah kegagalan mereka? Sehingga pengusaha yang lain bisa belajar dan memetik hikmahnya bersama. Namun yang lebih penting, kita perlu mengubah mindset gagal cepat, mindset yang mengatakan kalau tidak apa, kalau sebuah bisnis terlihat tidak berhasil, langsung kita tutup, lalu pivot ke yang lain. Hal ini tidak sepenuhnya salah. Namun yang kadang luput diperhatikan adalah ketika sebuah bisnis ditutup, dampaknya tidak hanya bagi si pengusaha seorang, tapi banyak orang lain juga terdampak, mulai dari karyawan, mitra, pemasok, dan sebagainya. Mereka semua mungkin saja kehilangan penghasilan akibat bisnis yang ditutup.

Rumayshocom
Bulughul Maram - Kitab Shalat, Episode 155: Inilah Keutamaan Shalat Sunnah Rawatib 12 Rakaat dalam Sehari Semalam

Rumayshocom

Play Episode Listen Later Nov 1, 2022 3:50


Episode kali ini adalah episode kompilasi bahasan tuntas dari Kitab Bulughul Maram karya Ibnu Hajar Al-‘Asqalani, Kitab Shalat yang dipandu oleh Ustadz Muhammad Abduh Tuasikal, M.Sc. Ini adalah bahasan ringkas yang bersumber dari Syarh para ulama terutama dari Minhah Al-‘Allam fii Syarh Bulugh Al-Maram karya Syekh ‘Abdullah Al-Fauzan, Fath Dzi Al-Jalali wa Al-Ikram bi Syarh Bulugh Al-Maram karya Syekh Muhammad bin Shalih Al-‘Utsaimin, dan Subul As-Salam Al-Muwshilah ila Bulugh Al-Maram karya Muhammad bin Isma'il Al-Amir Ash-Shan'ani. Silakan catat faedah berharga dari pembahasan ini dan amalkan ilmu yang telah didapat. Semoga bermanfaat :)

dalam ini semoga sunnah inilah isma silakan sehari keutamaan maram ustadz muhammad abduh tuasikal kitab bulughul maram kitab shalat syarh bulugh al maram syekh muhammad
SiKutuBuku
Ketika Salah jadi Benar | Mandela Effect

SiKutuBuku

Play Episode Listen Later Oct 28, 2022 10:05


Saya membahas fenomena Mandela Effect. Apakah kamu tahu Pikachu? Nah, apa warna buntut Pikachu? Apakah full kuning atau ujungnya berwarna hitam? Jika kamu menjawab ujungnya berwarna hitam, kamu tidak sendirian. Banyak orang juga merasakan hal yang sama. Mereka mengingat kalau buntut Pikachu itu ujungnya berwarna hitam. Padahal yang sebenarnya, buntut Pikachu berwarna kuning tanpa ujung hitam. Ini yang menarik soal memori. Memori manusia tidak 100% bisa dipercaya, rentan dipengaruhi oleh orang lain. Ketika kita salah mengingat, bukan artinya kita sedang berbohong, tapi mungkin saja kita justru meyakini sesuatu yang salah. Menariknya, ketika kita salah mengingat sesuatu, kita bisa saja tidak sendirian, tapi banyak orang juga punya ingatan sama yang salah.

Podcast Bercanda
Eps. 200 Semua Cuma Perspektif

Podcast Bercanda

Play Episode Listen Later Oct 28, 2022 43:12


Hampir gak ada bener salah, apalagi kalo ngomongin tentang percintaan dan kehidupan pada umumnya. Ini cuma tentang perpektif aja kok. Selamat mendengarkan episot reguler yang ke 200! Silahkan!

SiKutuBuku
Tips Membuat Rencana Masa Depan

SiKutuBuku

Play Episode Listen Later Oct 26, 2022 9:37


Saya membahas kalau kita sebenarnya tidak tahu apa yang kita inginkan di masa depan. Ini merupakan rangkuman dari video TED Talk Shankar Vedantam yang berjudul You don't actually know what your future self wants dan diolah dari berbagai sumber. Ada sebuah paradoks yang menarik, ketika kita melihat ke belakang, kita merasa kalau hidup kita sudah jauh berubah, entah sekarang karirmu meningkat, kamu sudah punya pasangan, dan sebagainya. Namun, ketika kita melihat ke depan, kita tidak merasa kalau diri kita di masa depan adalah orang yang berbeda. Ya mungkin, situasi dan kondisinya berbeda, misalnya menua atau lebih mapan, tapi secara fundamental kita masih menganggap diri kita di masa depan adalah orang yang sama. Pemikiran ini justru berbahaya, inilah yang membuat kita seringkali membuat janji yang sulit kita tepati dalam periode yang panjang, membuat keputusan yang dianggap paling benar, dan sebagainya. Perlu kita sadari, setiap saat, kita adalah orang yang berbeda, baik secara biologis maupun secara psikologis.

Rumayshocom
Bulughul Maram - Kitab Shalat, Episode 154: Shalat Sunnah Fajar Lebih Baik daripada Dunia Seisinya, Apa Maksudnya?

Rumayshocom

Play Episode Listen Later Oct 26, 2022 4:39


Episode kali ini adalah episode kompilasi bahasan tuntas dari Kitab Bulughul Maram karya Ibnu Hajar Al-‘Asqalani, Kitab Shalat yang dipandu oleh Ustadz Muhammad Abduh Tuasikal, M.Sc. Ini adalah bahasan ringkas yang bersumber dari Syarh para ulama terutama dari Minhah Al-‘Allam fii Syarh Bulugh Al-Maram karya Syekh ‘Abdullah Al-Fauzan, Fath Dzi Al-Jalali wa Al-Ikram bi Syarh Bulugh Al-Maram karya Syekh Muhammad bin Shalih Al-‘Utsaimin, dan Subul As-Salam Al-Muwshilah ila Bulugh Al-Maram karya Muhammad bin Isma'il Al-Amir Ash-Shan'ani. Silakan catat faedah berharga dari pembahasan ini dan amalkan ilmu yang telah didapat. Semoga bermanfaat :)

ini semoga dunia lebih baik sunnah daripada isma silakan fajar maram ustadz muhammad abduh tuasikal kitab bulughul maram kitab shalat syarh bulugh al maram syekh muhammad
SiKutuBuku
Resep Anti Pikun: Rajin Olahraga?

SiKutuBuku

Play Episode Listen Later Oct 21, 2022 9:02


Saya membahas kalau olahraga ternyata merupakan hal sederhana yang transformatif. Selain mampu meningkatkan mood dan energi, olahraga juga bisa membantu memperkuat otak dari kemungkinan penyakit neurodegeneratif seperti Alzheimer. Ini merupakan rangkuman dari video TED Talk Wendy Suzuki yang berjudul The brain-changing benefits of exercise dan diolah dari berbagai sumber. Apakah kamu tahu, kalau kamu bisa melakukan hal sederhana sekarang tapi memiliki efek positif langsung untuk otak termasuk mood dan juga fokus? Ditambah lagi, ada efek jangka panjang dan melindungi otakmu dari berbagai kondisi misalnya depresi, Alzheimer, atau demensia. Apakah kamu akan melakukannya? Ini adalah efek luar biasa dari aktivitas fisik. Hanya dengan menggerakan tubuhmu, maka kamu akan merasakan manfaat langsung dan jangka panjang bagi otak.

Rumayshocom
Bulughul Maram - Kitab Shalat, Episode 153: Sepuluh Rakaat Rawatib dalam Sehari dan Shalat Bakdiyah Jumat

Rumayshocom

Play Episode Listen Later Oct 20, 2022 7:53


Episode kali ini adalah episode kompilasi bahasan tuntas dari Kitab Bulughul Maram karya Ibnu Hajar Al-‘Asqalani, Kitab Shalat yang dipandu oleh Ustadz Muhammad Abduh Tuasikal, M.Sc. Ini adalah bahasan ringkas yang bersumber dari Syarh para ulama terutama dari Minhah Al-‘Allam fii Syarh Bulugh Al-Maram karya Syekh ‘Abdullah Al-Fauzan, Fath Dzi Al-Jalali wa Al-Ikram bi Syarh Bulugh Al-Maram karya Syekh Muhammad bin Shalih Al-‘Utsaimin, dan Subul As-Salam Al-Muwshilah ila Bulugh Al-Maram karya Muhammad bin Isma'il Al-Amir Ash-Shan'ani. Silakan catat faedah berharga dari pembahasan ini dan amalkan ilmu yang telah didapat. Semoga bermanfaat :)

dalam ini semoga isma jumat silakan sehari sepuluh maram kitab bulughul maram kitab shalat ustadz muhammad abduh tuasikal syarh bulugh al maram syekh muhammad
Rumayshocom
Bulughul Maram - Kitab Shalat, Episode 152: Pahala Shalat Sunnah Menemani Nabi di Surga

Rumayshocom

Play Episode Listen Later Oct 18, 2022 3:15


Episode kali ini adalah episode kompilasi bahasan tuntas dari Kitab Bulughul Maram karya Ibnu Hajar Al-‘Asqalani, Kitab Shalat yang dipandu oleh Ustadz Muhammad Abduh Tuasikal, M.Sc. Ini adalah bahasan ringkas yang bersumber dari Syarh para ulama terutama dari Minhah Al-‘Allam fii Syarh Bulugh Al-Maram karya Syekh ‘Abdullah Al-Fauzan, Fath Dzi Al-Jalali wa Al-Ikram bi Syarh Bulugh Al-Maram karya Syekh Muhammad bin Shalih Al-‘Utsaimin, dan Subul As-Salam Al-Muwshilah ila Bulugh Al-Maram karya Muhammad bin Isma'il Al-Amir Ash-Shan'ani. Silakan catat faedah berharga dari pembahasan ini dan amalkan ilmu yang telah didapat. Semoga bermanfaat :)

ini semoga nabi sunnah isma surga silakan maram kitab shalat ustadz muhammad abduh tuasikal kitab bulughul maram syarh bulugh al maram syekh muhammad
BBC Indonesia
Dunia Pagi ini BBC Indonesia, Senin, 17 Oktober 2022

BBC Indonesia

Play Episode Listen Later Oct 16, 2022 14:57


Kalangan pengamat kepolisian mengatakan pungutan liar atau pungli oleh anggota kepolisian merupakan persoalan kronis sehingga pelakunya harus diberi sanksi berat berupa pemecatan agar menimbulkan efek jera. Penilaian itu disampaikan menyusul peringatan Presiden Jokowi kepada seluruh anggota polisi untuk menghentikan praktik itu dalam pertemuan dengan pejabat utama hingga kepala polisi daerah, Jumat lalu. Ini menyusul anjloknya indeks kepercayaan publik terhadap institusi tersebut.   Merespons hal itu, Kapolri Listyo Sigit berjanji untuk menindak anggotanya yang melanggar hukum.

Kencan Dengan Tuhan
Edisi Hari Sabtu, 15 Oktober 2022 - Iman diatas rata-rata

Kencan Dengan Tuhan

Play Episode Listen Later Oct 14, 2022 6:39


Kencan Dengan Tuhan - Sabtu, 15 Oktober 2022 Lalu Sadrakh, Mesakh dan Abednego menjawab raja Nebukadnezar: "Tidak ada gunanya kami memberi jawab kepada tuanku dalam hal ini. Jika Allah kami yang kami puja sanggup melepaskan kami, maka Ia akan melepaskan kami dari perapian yang menyala-nyala itu, dan dari dalam tanganmu, ya raja; tetapi seandainya tidak, hendaklah tuanku mengetahui, ya raja, bahwa kami tidak akan memuja dewa tuanku, dan tidak akan menyembah patung emas yang tuanku dirikan itu." (Daniel 3:16-18) Renungan: Ada baiknya kita memperhatikan perkataan-perkataan berikut, "Tuan, aku tidak layak menerima Tuan di dalam rumahku, katakan saja sepatah kata, maka hambaku itu akan sembuh," "Asal ku jamah saja jubah-Nya aku akan sembuh," "Anakku perempuan baru saja meninggal, tetapi datanglah dan letakkanlah tangan-Mu di atasnya, maka ia akan hidup," "Tuan, jika Tuan mau, Tuan dapat mentahirkan aku." Dan masih banyak lagi perkataan yang sejajar dengan perkataan-perkataan tersebut. Itulah yang disebut dengan perkataan iman. Tentu saja iman akan kesanggupan dan kepedulian Tuhan adalah iman yang benar. Tetapi itu adalah iman yang standar, iman yang fokus pada pertolongan Tuhan. Ada iman yang tidak fokus pada pertolongan tuhan, artinya ketika tidak ada pertolongan Tuhan pun, iman kepada Tuhan tetap ada dan tidak beralih kepada yang lain. Itulah iman yang di atas rata-rata. Teman-teman Daniel yaitu Sadrakh, Mesakh dan Abednego memiliki iman di atas rata-rata, karena tantangan yang mereka hadapi sangat berarti. Teman-teman Daniel diperhadapkan kepada pilihan yang sangat sulit yaitu antara menyembah patung emas yang didirikan oleh Nebukadnezar atau dicampakkan ke dalam perapian yang menyala-nyala. Nyawa mereka benar-benar bagai telur di ujung tanduk. Andai saja mereka takut itu sangat manusiawi, tetapi ternyata mereka tidak takut. Mereka berani menerima risiko yang sangat berat itu. Ini menunjukkan bahwa mereka adalah orang-orang beriman. Tentu saja mereka beriman bahwa Tuhan sanggup melepaskan mereka dari perapian yang menyala-nyala itu, bahkan dari tangan Raja Nebukadnezar. Mereka tidak meragukan Tuhan, mereka percaya kepada Tuhan. Namun seandainya Tuhan yang sanggup itu tidak menunjukkan kesanggupannya untuk menolong mereka, mereka tetap percaya kepada Tuhan. Hati mereka tetap berpaut pada Tuhan. Mereka tidak akan beralih kepada dewa yang dipuja oleh raja Nebukadnesar. Mereka juga tidak akan menyembah patung buatan Raja Nebukadnezar. Ditolong atau tidak, iman mereka tetap kepada Tuhan. Di dalam perjanjian baru kita melihat contoh orang yang memiliki iman di atas rata-rata, yaitu Paulu. Di dalam diri Paulus ada duri dalam daging yang sangat menyiksanya. Dia sudah meminta Tuhan untuk membebaskannya dari penyakit itu. Tentu saja permintaannya itu dibarengi dengan iman dan pengharapan. Namun, Tuhan tidak mengabulkan permintaan Paulus. Mungkin saja dia kecewa tetapi Alkitab tidak mencatat bahwa Paulus mundur dari jalan Tuhan. Justru dia semakin giat melayani Tuhan. Imannya tetap kepada Tuhan. Tidak bisa dimungkiri, kecenderungan kita juga mempunyai iman yang standar. Tidak ada salahnya kita memiliki iman standar. Tetapi kita tidak boleh puas dengan iman seperti itu. Usahakanlah sedapat mungkin untuk kita memiliki iman di atas rata-rata. Kesaksian kita menjadi sangat kuat dampaknya ketika kita memiliki iman di atas rata-rata. Tuhan Yesus memberkati. Doa: Tuhan Yesus, berikanlah aku kemampuan untuk tetap beriman kepada-Mu tanpa harus memikirkan apa ada pertolongan bagiku atau tidak. Amin. (Dod).

SiKutuBuku
Keahlian Penting untuk Sukses di Abad ke-21

SiKutuBuku

Play Episode Listen Later Oct 14, 2022 9:58


Saya membahas apa keahlian yang harus kita miliki di era yang sulit diprediksi? Ini merupakan rangkuman dari video TED Talk Margaret Heffernan yang berjudul The human skills we need in an unpredictable world dan diolah dari berbagai sumber. Di era sekarang, kita boleh dibilang semakin bergantung dengan teknologi. Hal ini sebenarnya tidak salah juga. Teknologi membantu manusia di banyak aspek kehidupan. Namun sayangnya, ketergantungan kita pada teknologi justru membuat kita kehilangan keahlian yang menjadikan kita manusia, kemampuan imajinasi, rendah hati, dan keberanian untuk menyelesaikan masalah dalam kondisi yang sulit diprediksi. Pada dasarnya, teknologi hanya mampu bekerja dengan baik dalam dunia yang kontan, dapat diprediksi, dan stabil. Namun, realitanya tidak begitu. Hidup manusia boleh dibilang tidak seperti garis lurus, naik turun seperti gunung, dan banyak hal tak terduga di sepanjang perjalanan. Nah, di sinilah, kita butuh keahlian kita sebagai manusia untuk berani menciptakan masa depan yang kita inginkan.

#KomrikPodcast
Marvelous Horror Debut - Werewolf By Night Spoilercast feat. ShowBox

#KomrikPodcast

Play Episode Listen Later Oct 11, 2022 61:37


Marvel Studios Special Presentation satu ini spesial karena banyak hal. Ini bukan cuma debut horror MCU, tapi debut longtime composer Michael Giacchino di kursi sutradara Marvel. Werewolf By Night ngebawa angin segar dengan format & genre yang super beda, and we love it. Dengerin pembahasan kita bareng Amy from Showbox di episode minggu ini! PLUS! Buat kalian yang udah nungguin giveaway Nextwave, dengerin deh. We've got something for y'all.

Astro Awani
AWANI Pagi: Berita tumpuan & kemas kini COVID-19 [11 Oktober 2022]

Astro Awani

Play Episode Listen Later Oct 11, 2022 26:42


Ketahui berita yang anda perlu tahu hari ini bersama Nursyazwani Saiful Sham dan Afiezy Azaman Antara fokus AWANI Pagi hari ini merangkumi:   PM Ismail Sabri umum Parlimen dibubar, beri laluan kepada PRU15  DAP hormat pembubaran Parlimen, tapi kekal tidak bubar DUN di tiga negeri  Ini kali ketujuh: Mangsa banjir Baling dah letih namun reda #AWANInews #MalaysiaBangkit

SBS Croatian - SBS na hrvatskom
Ukratko iz Hrvatske, 6.10.2022.

SBS Croatian - SBS na hrvatskom

Play Episode Listen Later Oct 6, 2022 9:13


Vlada najavila novo povećanje obiteljskih mirovina. Je li želja zastupnika Mosta Nikole Grmoje da na saborskom povjerenstvu ispita čelnike Vlade o kriminalu u INI demagoški trik ili napor da se razotkrije kriminal? Ne vlastitom krivnjom, zagrebačke gradske vlasti imaju novi problem – nisu dodijeljeni svi štandovi za Advent u Zagrebu. Obilježen Svjetski dan učitelja. U Zagrebu otvoren Ured za izvoz hrvatske glazbe.

The Audio Verse Awards Nominee Showcase Podcast
2022 Showcase: Bonnie Screws Up

The Audio Verse Awards Nominee Showcase Podcast

Play Episode Listen Later Oct 4, 2022 17:06


This is Ini, Executive Producer of Bonnie Screws Up. A story about a young actress who breaks her NDA by spilling the beans on the finale of her popular mystery webseries to her bartender crush. The situation escalates, jeopardizing her career and Bonnie does all she can to fix it. But will it be enough? This is Episode 2, Bonnie and the Show Business, the day after a disastrous date and her text conversation with Duante. Thank you for listening. Transcript can be found at: https://docs.google.com/document/d/12tET0yFVL0C9FPiPBabGiz4CUz9UtaV-/edit?usp=sharing&ouid=118181833416603249719&rtpof=true&sd=true https://www.auralstories.com/shows/bonnie-screws-up Twitter: @auralstories

Rumayshocom
Bulughul Maram - Kitab Shalat, Episode 151: Hikmah Disyariatkannya Shalat Sunnah, Kita Mesti Tahu Agar Semangat Melakukannya

Rumayshocom

Play Episode Listen Later Oct 4, 2022 5:54


Episode kali ini adalah episode kompilasi bahasan tuntas dari Kitab Bulughul Maram karya Ibnu Hajar Al-‘Asqalani, Kitab Shalat yang dipandu oleh Ustadz Muhammad Abduh Tuasikal, M.Sc. Ini adalah bahasan ringkas yang bersumber dari Syarh para ulama terutama dari Minhah Al-‘Allam fii Syarh Bulugh Al-Maram karya Syekh ‘Abdullah Al-Fauzan, Fath Dzi Al-Jalali wa Al-Ikram bi Syarh Bulugh Al-Maram karya Syekh Muhammad bin Shalih Al-‘Utsaimin, dan Subul As-Salam Al-Muwshilah ila Bulugh Al-Maram karya Muhammad bin Isma'il Al-Amir Ash-Shan'ani. Silakan catat faedah berharga dari pembahasan ini dan amalkan ilmu yang telah didapat. Semoga bermanfaat :)

ini semoga agar tahu semangat sunnah isma silakan hikmah mesti maram ustadz muhammad abduh tuasikal kitab bulughul maram kitab shalat syarh bulugh al maram syekh muhammad
The Audio Verse Awards Nominee Showcase Podcast

This is Ini, Executive Producer of Up A River, which is about Lisa Cathcartt who believes in big, beautiful, ecstatic love. Correction: she believes in the kind of love that is big, beautiful, and fart-free. Her husband died when they were young, so she only got the very best of him. After his death, besides taking care of her kids, she relied on romance novels, specifically ones by lauded and bawdy author, Candace Bigbush, to scratch her romance itch. So, when her adult children gifted her a cruise on the Romantic Rhine - with the famed author who will show her and fifty others the amazing locations that inspired her seminal book, The Hero and the Heroine – she can't turn it down. The romantic Rhine and little push from the author help Lisa open up to new possibilities, new places, and potentially new love: like the tall, dark, handsome Captain Dalton. Dalton, until this point, has been married to the sea - or river - depending on what ship he's piloting. Yet, as retirement looms on the horizon he is forced to think about what is beyond the bow for his life. Could it be love? Could it be Lisa? Could it be tying himself to an anchor because getting old sucks? This is Episode 1 - Amsterdam, where we meet Lisa, Candace, the other passengers, and the delightful crew. Thank you for listening. Transcript can be found at: https://docs.google.com/document/d/133n-Cz_LCSmQ4ATTRfSK0RLKsEB2540C/edit?usp=sharing&ouid=118181833416603249719&rtpof=true&sd=true https://www.auralstories.com/shows/up-a-river Twitter: @auralstories

Lagu Dari Langit Podcast ( KOTA MARUDU)
S9E5 Part 2 : Joke Stand Up Material #fyp

Lagu Dari Langit Podcast ( KOTA MARUDU)

Play Episode Listen Later Oct 4, 2022 22:58


We are gonna try tiktok algorithm this time around with viral jokes. Hoping it'll go viral and trending

Kencan Dengan Tuhan
Edisi Hari Selasa, 4 Oktober 2022 - Mengarahkan pada hal baik

Kencan Dengan Tuhan

Play Episode Listen Later Oct 3, 2022 3:54


Kencan Dengan Tuhan - Selasa, 4 Oktober 2022 "Jangan menolak didikan dari anakmu ia tidak akan mati kalau engkau memukulnya dengan rotan. Engkau memukulnya dengan rotan, tetapi engkau menyelamatkan nyawanya dari dunia orang mati." (Amsal 23:13-14) Renungan: Pada masa kini ponsel pintar telah menjadi kebanggaan bagi banyak orang. Banyak orang tua yang membekali anak-anaknya dengan perangkat ini. Steve Jobs, pencipta komputer canggih, tidak rela anak-anaknya memiliki ponsel pintar. Ia sadar dampak buruk yang akan terjadi bila anak-anak menggunakan ponsel. Coba perhatikan, di banyak ibadah di gereja, orang tua tidak mengajak dan tidak mengajari anak-anaknya untuk menghormati Tuhan. Mereka membiarkan anak-anaknya bermain dengan ponsel sambil beribadah supaya mereka tidak rewel dan ribut. Ini bukan solusi bijaksana untuk membuat anak-anak diam. Sejak dini anak-anak justru harus dibimbing untuk berbakti kepada Tuhan dengan hormat bukan untuk asik bermain ponsel saat beribadah. Banyak kejahatan dilakukan anak-anak dan remaja karena mereka kecanduan game atau video porno. Game atau video yang tidak mendidik itu membuat anak-anak menjadi egois, jahat, brutal dan tidak terkendali. Bagaimana dengan kita sebagai orang dewasa? Apakah kita sudah bisa menjadi contoh untuk menggunakan ponsel dengan bijak terhadap anak-anak?Mari kita melatih diri kita sehingga mampu mengarahkan mereka untuk hormat dan beriman yang benar. Hiduplah dengan ajaran yang sehat seperti yang Tuhan kehendaki. Tuhan Yesus memberkati. Doa: Tuhan Yesus, mampukanlah aku untuk menyentuh kehidupan anak cucuku dengan cara yang bijak dan penuh kasih, agar mereka dapat bertumbuh menjadi anak-anak yang mengasihi-Mu. Amin. (Dod).

Bahasa Indonesia Bersama Windah (for intermediate Indonesian language learners)
[High] Berita: Sambut Hari Batik Nasional, Pelajar Berbatik dan Lakukan No Backpack Day | News: Welcoming Batik Day, Students wear Batik and have a No Backpack Day

Bahasa Indonesia Bersama Windah (for intermediate Indonesian language learners)

Play Episode Listen Later Oct 3, 2022 15:36


TRIBUNJATENG.COM, PATI - Menyambut Hari Batik Nasional, para guru dan pelajar di SDN Pati Kidul 01 mengenakan baju batik dengan berbagai motif. Kepala SDN Pati Kidul 01, Siti Nurkhani, menyampaikan bahwa para siswa memakai baju batik untuk menanamkan sejak dini kecintaan terhadap produk dalam negeri. "Tak hanya menggunakan baju batik, namun juga terdapat acara lain. Yaitu kelas 1 dan 2 mewarnai batik, kelas 3 dan 4 membuat desain batik, lalu kelas 5 dan 6 membuat poster batik. Ini sesuai dengan tema Hari Batik Nasional," Selain mengenakan batik, seluruh siswa tidak ada satu pun yang membawa tas punggung. Mereka justru membawa peralatan sekolah menggunakan tas kain, plastik, ember, keranjang sepeda, toples, bahkan karung beras. "No Backpack Day" dimaksudkan untuk memberikan kesadaran sejak dini pada anak-anak mengenai kesenjangan sosial di dunia pendidikan. Masih banyak anak-anak di dunia yang pergi ke sekolah tanpa menggunakan tas karena alasan ekonomi. Terima kasih banyak atas dukungannya untuk: TEMAN WINDAH Andrew Wood John McBride Sky Lee Kristofer Nivens Sebastian vc Ely Ratna Wentz Alex Lee Dave L. Kramer P. Clayton D. Causey, CT Arthur JayjayVentura Lorenz Manthey wburnham31 Mel Barnes Vanessa Hack Nicole Hough John Shum Luis Paez Chloe Ariana Craig Redriff Marius Charlotte Jonny 5 Sean M Jon Porter Gert-Jan van Rooijen Satoru Kawamoto G Esvelt Yuzo Kuboyama Olivier Harnisch Michael Hellgren Hugh H Keng Lim Sam Liaw Jose Lorenzo Jeremy John McDaniel Lulun Geoff PENDENGAR SETIA Svenja Ash H Harvey Johanna Peard

SiKutuBuku
Rahasia di Balik Perilaku Manusia | The Social Animal

SiKutuBuku

Play Episode Listen Later Oct 3, 2022 9:50


Saya membahas buku The Social Animal karya David Brooks. Buku ini membahas cara kita untuk memahami manusia dengan lebih baik, khususnya rahasia di balik perilaku manusia. Kita bisa memahami bagaimana pembentukan perilaku manusia, apa saja yang mempengaruhi perilaku manusia. Kadang pasti kita menemukan sisi yang terlihat aneh. Penulis menggunakan sebuah cerita fiksi yang didukung oleh riset ilmiah untuk mengetahui cara pikiran bawah sadar bekerja. Ini adalah tempat di mana karakter dibentuk dan banyak keputusan hidup yang penting dibuat. Di era sekarang, kita seringkali terlalu menganggung-agungkan sisi rasional, individualis, dan tingkat kepintaran yang tinggi. Padahal, melalui kebiasaan, persepsi, dan berbagai aspek alam bawah sadar lainnya, kita membentuk hidup yang sukses di masa depan.

Tota Scriptura Podcast
REFORMING HEART #122: Peristiwa-peristiwa Akhir dalam Zaman Yoram

Tota Scriptura Podcast

Play Episode Listen Later Oct 2, 2022 15:49


Episode baru setiap Senin | pemuda.stemi.id | Episode 122 (2 Raj 8:1-15): Bacaan kita hari ini merupakan catatan peristiwa-peristiwa terakhir sebelum bangkitnya Yehu untuk membunuh Yoram, raja Israel. Ini adalah bagian yang sangat penuh dengan perasaan-perasaan yang paradoks.

Microfonul AGORA
Expert economic: Întreprinderile publice - entități politizate care nu sunt bazate pe profesionalism

Microfonul AGORA

Play Episode Listen Later Oct 2, 2022 10:30


Procesul actual de gestionare a întreprinderilor publice este unul politizat și nu bazat pe profesionalism. Administrarea acestora nu este făcută de către profesioniști, dar de către politicieni. Când se schimbă guvernarea, acestea sunt transformate într-un instrument de finanțare a partidului politic, care este la guvernare. Mii de oameni sunt incluși în consiliile de administrare, în funcții de conducere, și nu avem decât faptul că unii se duc, alții vin. „Schimbarea unor oameni dintr-un partid pe alți oameni din alt partid nu înseamnă reforme, dar menținerea unui sistem fraudulos care a fost în toți acești 30 de ani”, a spus Veaceslav Ioniță, expert în politici economice la Institutul pentru Dezvoltare și Inițiative Sociale (IDIS) „Viitorul”, în cadrul ediției de vineri, 16 septembrie, e emisiunii „Analize economice cu Veaceslav Ioniță”.

The Coach Steve Show
#398 Illini keys to beat the Badgers

The Coach Steve Show

Play Episode Listen Later Sep 30, 2022 14:36


The Fighting Illini travel to Wisconsin to take on the Badgers. A homecoming for Coach Bielema. We discuss keys to the defense to stopping the Wisconsin run game, and make sure Mertz doesn't get in a groove. And discuss how the Illini offense can score points on the badgers. #ILL #ILLINI Please like, subscribe, review, and share out! https://linktr.ee/thecoachsteveshowCheck out belly up sports podcast network! https://bellyupsports.com/Head to www.guardiansports.com/guardian-caps and use the code: “15OFF” – good for 15% off Guardian Caps to help the impact for football playersGet back to the basics with Coach Stone: https://www.coachstonefootball.com/Get the best sunglasses in the game today! Use for any activity! Go to https://www.yeetzofficial.com/ use the code CSS for 10% offLooking for the cleanest nutrition drink? Looking for the cleanest drink to give you energy without the crash? Head to https://www.swiftlifestyles.com/ and use the code: coachsteveshow to get 15% off!

SiKutuBuku
Apa yang Bersedia Kamu Korbankan untuk Berubah?

SiKutuBuku

Play Episode Listen Later Sep 30, 2022 9:47


Saya membahas apa yang bersedia kamu ubah untuk menjadi lebih baik? Ini merupakan rangkuman dari video TED Talk Martin Danoesastro yang berjudul What are you willing to give up to change the way we work? dan diolah dari berbagai sumber. Ketika bicara perubahan, bukan soal terbuka pada hal baru, tapi kita harus berani melepaskan hal lama, cara kerja lama, pola pikir lama, dan sebagainya. Ini yang kadang kita lupakan. Kita menerima hal baru, tapi belum tentu punya keberanian untuk melepas sesuatu yang lama. Tidak heran ketika diberikan sebuah ide baru, respon yang muncul seperti ini “Kita tidak pernah melakukan itu sebelumnya.” “Itu bukan cara kita bekerja.” Jawaban seperti ini yang membuat organisasi sulit berkembang, mereka terlalu terjebak pada pola pikir lama dan cara kerja yang lama. Tidak peduli perubahan apapun yang diajukan, sangat sulit untuk berubah jika kita tidak bersedia melepaskan yang lama.

SBS Indonesian - SBS Bahasa Indonesia
The team that we expect to win and the team which really wins may not always the same - Tim yang kita harapkan untuk menang dan tim yang benar-benar menang mungkin tidak selalu sama

SBS Indonesian - SBS Bahasa Indonesia

Play Episode Listen Later Sep 23, 2022 21:41


The 2022 AFL Grand Final between the Geelong Cats and Sydney Swans will begin at 2.30pm (AEST) on Saturday September 24 at the Melbourne Cricket Ground. It is the first Grand Final back at Melbourne's MCG since 2019. - Grand Final AFL 2022 antara Geelong Cats dan Sydney Swans akan dimulai pukul 14.30 (AEST) pada hari Sabtu 24 September di Melbourne Cricket Ground. Ini adalah Grand Final pertama di MCG Melbourne sejak 2019.

SiKutuBuku
Bersenang-senang adalah Kunci Hidup Bahagia

SiKutuBuku

Play Episode Listen Later Sep 20, 2022 9:58


Saya membahas kalau mengerjakan sesuatu yang menyenangkan merupakan rahasia hidup yang sehat dan bahagia. Ini merupakan rangkuman dari video TED Talk Catherine Price yang berjudul Why having fun is the secret to a healthier life dan diolah dari berbagai sumber. Apakah kamu menjalani hidup seutuhnya? Atau kamu merasa hidupmu begitu monoton dan seakan tidak ada api di dalam dirimu? Kamu hanya menjalani hari demi hari, hingga akhirnya kamu bertanya, apakah hidup begini aja? Apakah ada cara agar saya bisa merasakan hidup yang lebih hidup? Jika iya, kamu tidak sendirian. Banyak orang juga mengalami hal yang sama. Inilah yang akhirnya membuat mereka berusaha mencari apa tujuan mereka hidup. Namun kali ini, saya tidak mau membahas hal yang berat-berat. Bagaimana bila kamu bisa merasakan hidup yang lebih hidup, hanya dengan cara sederhana? Misalnya dengan bersenang-senang? Nah, ini mungkin sesuatu yang baru buat kamu, bersenang-senang bukan hanya aktivitas hiburan atau sesuatu yang tidak penting, tapi bersenang-senang justru merupakan sebuah keharusan apabila kamu ingin merasakan hidup yang sesungguhnya.

SiKutuBuku
Apakah Kepribadian tidak bisa Diubah?

SiKutuBuku

Play Episode Listen Later Sep 16, 2022 10:18


Saya membahas siapa diri kamu sebenarnya? Ini merupakan rangkuman dari video TED Talk Brian Little yang berjudul Who are you, really? The puzzle of personality dan diolah dari berbagai sumber. Siapa kamu? Apakah kamu seorang introvert atau seorang ekstrovert? Apakah kamu orang yang menyenangkan atau mudah tersinggung? Kemungkinan kamu sudah punya gambaran soal siapa diri kamu sebenarnya. Tapi, bagaimana bila kepribadian merupakan sesuatu yang fleksibel dan berada di dalam kendali?

Rumayshocom
Bulughul Maram - Kitab Shalat, Episode 150: Hadits-Hadits yang Membicarakan Sujud Syukur dan Caranya

Rumayshocom

Play Episode Listen Later Sep 12, 2022 5:06


Episode kali ini adalah episode kompilasi bahasan tuntas dari Kitab Bulughul Maram karya Ibnu Hajar Al-‘Asqalani, Kitab Shalat yang dipandu oleh Ustadz Muhammad Abduh Tuasikal, M.Sc. Ini adalah bahasan ringkas yang bersumber dari Syarh para ulama terutama dari Minhah Al-‘Allam fii Syarh Bulugh Al-Maram karya Syekh ‘Abdullah Al-Fauzan, Fath Dzi Al-Jalali wa Al-Ikram bi Syarh Bulugh Al-Maram karya Syekh Muhammad bin Shalih Al-‘Utsaimin, dan Subul As-Salam Al-Muwshilah ila Bulugh Al-Maram karya Muhammad bin Isma'il Al-Amir Ash-Shan'ani. Silakan catat faedah berharga dari pembahasan ini dan amalkan ilmu yang telah didapat. Semoga bermanfaat :)

ini semoga isma caranya silakan membicarakan maram hadits sujud kitab bulughul maram kitab shalat ustadz muhammad abduh tuasikal syarh bulugh al maram syekh muhammad
Rumayshocom
Bulughul Maram - Kitab Shalat, Episode 149: Cara, Bacaan, dan Takbir dalam Sujud Tilawah

Rumayshocom

Play Episode Listen Later Sep 6, 2022 4:42


Episode kali ini adalah episode kompilasi bahasan tuntas dari Kitab Bulughul Maram karya Ibnu Hajar Al-‘Asqalani, Kitab Shalat yang dipandu oleh Ustadz Muhammad Abduh Tuasikal, M.Sc. Ini adalah bahasan ringkas yang bersumber dari Syarh para ulama terutama dari Minhah Al-‘Allam fii Syarh Bulugh Al-Maram karya Syekh ‘Abdullah Al-Fauzan, Fath Dzi Al-Jalali wa Al-Ikram bi Syarh Bulugh Al-Maram karya Syekh Muhammad bin Shalih Al-‘Utsaimin, dan Subul As-Salam Al-Muwshilah ila Bulugh Al-Maram karya Muhammad bin Isma'il Al-Amir Ash-Shan'ani. Silakan catat faedah berharga dari pembahasan ini dan amalkan ilmu yang telah didapat. Semoga bermanfaat :)

dalam ini semoga isma silakan maram sujud takbir tilawah kitab bulughul maram kitab shalat ustadz muhammad abduh tuasikal syarh bulugh al maram syekh muhammad
Rumayshocom
Bulughul Maram - Kitab Shalat, Episode 148: Seputar Hukum Sujud Tilawah

Rumayshocom

Play Episode Listen Later Sep 5, 2022 4:32


Episode kali ini adalah episode kompilasi bahasan tuntas dari Kitab Bulughul Maram karya Ibnu Hajar Al-‘Asqalani, Kitab Shalat yang dipandu oleh Ustadz Muhammad Abduh Tuasikal, M.Sc. Ini adalah bahasan ringkas yang bersumber dari Syarh para ulama terutama dari Minhah Al-‘Allam fii Syarh Bulugh Al-Maram karya Syekh ‘Abdullah Al-Fauzan, Fath Dzi Al-Jalali wa Al-Ikram bi Syarh Bulugh Al-Maram karya Syekh Muhammad bin Shalih Al-‘Utsaimin, dan Subul As-Salam Al-Muwshilah ila Bulugh Al-Maram karya Muhammad bin Isma'il Al-Amir Ash-Shan'ani. Silakan catat faedah berharga dari pembahasan ini dan amalkan ilmu yang telah didapat. Semoga bermanfaat :)

ini semoga hukum isma seputar silakan maram sujud tilawah kitab bulughul maram kitab shalat ustadz muhammad abduh tuasikal syarh bulugh al maram syekh muhammad
How to Scale Commercial Real Estate
Shifting Scales at the Right Time to Allow for Growth

How to Scale Commercial Real Estate

Play Episode Listen Later Aug 22, 2022 22:01


  Mark Hamilton has considerable experience in partnership formations and operations, project planning and implementation, asset management and management oversight, landlord-tenant and rent-control issues, risk management, and zoning and building department matters. Prior to co-founding Hamilton Zanze in 2001, Mark owned his own commercial brokerage and investment business after starting in the San Francisco office of Marcus & Millichap in 1981. In 1988, he co-founded Property Resource Group (real estate brokerage) and Quantum Land Company (development). Mark's main focus has always been locating value-add properties in changing urban neighborhoods and then re-working them into higher-quality buildings with higher incomes, improved tenant profiles, and higher resale values.   Mark shares his insights into investors' mindsets focusing on growth and income and how one should commit to staying in power, Let's hear more from Mark in today's episode of How to Scale Commercial Real Estate.   Highlights:   [00:00 - 07:08] Opening Segment Mark Hamilton has been a player in the national commercial real estate industry for over 30 years and has accumulated $5 billion in assets under management. Risk has shifted over time, with interest rates and capital being the main drivers of change. Hamilton advises investors to sell when they believe they can get the same amount of money out at a later date, as rates of return are currently low.   [07:08 - 13:54] If You're An Investor, Your Focus Should be on Growth and Income How an investor's portfolio should serve their short-term, intermediate, and long-term interests. An investor's strategy should include a focus on growth or income, with a preference for income over growth if there is a fear of an impending recession. Since 1985, the focus of Hamilton Zanze Investors has shifted towards more of an income approach. Rates of return have gone back down in some markets and leverage has decreased, but cap rates are still moving upwards.   [13:54 - 20:52] Commercial Real Estate Investors Should Commit to Stay in Power The correlation between a B and C property that has held their value the best and suffered less capric compression. Having a growth or income strategy when investing in commercial real estate, and advises against investing in C-Class properties that are experiencing capric decompression. Mark recommends owning a C-Class property that is producing an incredible amount of income in order to be immune to market fluctuations."   [20:53 - 22:06] Closing Segment Reach out to Mark Hamilton See links below  Final words Tweetable Quote   “If you put financing on it, you're serving a master of paying off the debt. But other than that, your masters are generally a combination of growth and income.”  - Mark Hamilton   ----------------------------------------------------------------------------- Connect with Mark Hamilton by visiting their website at  www.hamiltonzanze.com     Connect with me:   I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook   LinkedIn   Like, subscribe, and leave us a review on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on.  Thank you for tuning in!   Email me → sam@brickeninvestmentgroup.com   Want to read the full show notes of the episode? Check it out below:   [00:00:00] Mark Hamilton: For your own sake, commit to staying power. What's your staying power strategy, right? If you're starting out, what's your income gonna be? Do you have no need of an income? Do you have an income stream? Do you have a spouse that's bought in that provides enough income, but you gotta commit to staying power and that means your. [00:00:18] Mark Hamilton: Because you will want to eat and do the thing that I did this morning, which is get out of bed. You will wanna be able to do that every day and meet the challenges, right? [00:00:27] Intro: Welcome commercial real estate show. Whether you are an active or your real estate investing business into something big. [00:00:39] Sam Wilson: Mark Hamilton has been a player in the national commercial real estate industry. For more than 30 years, his main professional focus has been locating value, add properties in changing urban neighborhoods, and then reworking them into higher quality buildings and higher incomes, improved tenant profiles and higher resale values. [00:00:56] Sam Wilson: As of today, they have about $5 billion in assets, under management solicit somebody that we should absolutely pay attention to mark. Welcome to the.  [00:01:06] Mark Hamilton: Hi, Sam, thank you for having me. And thank you for the generous introduction nobody's ever called me a player before.  [00:01:14] Sam Wilson: well, I certainly appreciate you coming on the show today, mark. [00:01:17] Sam Wilson: There are three questions. I ask every guest who comes on the show in 90 seconds or last, can you tell me, where did you start? Where are you now? And how did you get  [00:01:24] Mark Hamilton: there? Okay. So, I started by accident. We can come back to that if you want. My wife and I purchased a duplex in, a very rundown duplex in San Francisco in 1985. [00:01:35] Mark Hamilton: And despite the agony of dealing with it the property made her mother cry. It was so rough. We, we kind of got bit by the. So for a solid 15 years or almost 15 years I practiced really only in San Francisco purchased. A few dozen small buildings that needed a lot of tender, loving care and heavy lifting. [00:01:54] Mark Hamilton: Eventually we started lost the ability to find the kind of yields that I wanted in San Francisco. So moved across the bay and moved to other parts of the bay area, Oakland Alameda, Hayward and then in 2001, I met Tony Zs who had a very institutional pedigree and career. To that point in time, it was good marriage. [00:02:11] Mark Hamilton: I was good at getting my hands into the dirt and getting my arms around deals. He had a lot of really valuable institutional experience that helped us kind of work both sides of the barbell . That was 2001. Our first deal was 16 units for a million, one 50 last year we acquired about a billion, one 50 in [00:02:30] properties. [00:02:30] Mark Hamilton: And so it's been as steady as you go experience, go show up, do the work every day. Be careful. You better love the work because you're gonna do a lot of it. And if you're lucky, you'll discover you're proficient at it. Primarily through being committed about it and putting your own skin in the game and then you'll draw good people. [00:02:46] Mark Hamilton: We've been really lucky to draw a really great group of investors and a terrific staff. And we're building for the long run through that staff. But when there's treasure and you spread it around, it tends to work.  [00:02:59] Sam Wilson: That is awesome. 16 units of 2001. [00:03:02] Sam Wilson: So that's 21 years ago. Now you are at 5 billion in assets, under management. What are some things as you review the last 21 years, how has risk shifted in the marketplace and how are you guys addressing that today?  [00:03:17] Mark Hamilton: I think it's shifted. I think the single biggest component that's changed risk has been interest rate movement interest rate movement Over the last 40 years, I'll refer to it. [00:03:25] Mark Hamilton: As the bond market as a bull run in the bond market, , rates were at 20 when I started my career last year. And when I say rates, it could be anything from the fed rate to the 10 year bond. What have you, but last year, , in the pandemic, the tenure bond went below two. [00:03:40] Mark Hamilton: Right. So when interest rates go from two to 20 and rates of return follow it means there's a huge amount of capital out there. Evermore each year, chasing assets. And so you build up a lot of value. So if that's a risk you gotta be aware that it could change interest rates could go back up. [00:03:53] Mark Hamilton: I think we're probably finally at that time where interest rates are gonna start going back up long term rates, 10 years out, five years out. I think they'll probably still come back down. But rates are a risk. And then if you've held assets during the bull run and, as, and as rates of return have gone down, you have a lot of made capital. [00:04:10] Mark Hamilton: And so you have to be careful about, honoring what you want from that capital and what you expect to get in terms of preservation and returns.  [00:04:18] Sam Wilson: When you say made capital, can you define that for me?  [00:04:21] Mark Hamilton: Sure. If you have a property and you buy it in a market that expects a 10% return, that means to induce take favor investors to come in and part with their cash. [00:04:32] Mark Hamilton: To take favor and they're expecting a 10% return, which, favor return we haven't seen in ages, but it makes the illustration easy. Favor have a million dollars of net you  [00:04:42] Sam Wilson: cannot  [00:04:42] Mark Hamilton: pure whether it's in a triple net lease property  [00:04:45] Track 2: episode  [00:04:46] Sam Wilson: cannot  [00:04:47] Mark Hamilton: pure or in an apartment  [00:04:50] Sam Wilson: cannot  [00:04:51] Mark Hamilton: But at the end of the day what goes into [00:04:54] Sam Wilson: cannot  [00:04:54] Mark Hamilton: financed? It is a 10%.    [00:04:58] Mark Hamilton: bucks, 10%. If a [00:05:00] million dollars is 10%, it means the value of the asset is $10 million. Right. Right. Cap rates. Haven't been at 10 in more than 30 years. Right. However they have recently been in the range of five But in a normal world, that would be the lowest they would go, but they haven't, they went even lower than that again, which means there's lots of cash chasing assets. [00:05:20] Mark Hamilton: Good value is hard to find, so people are paying up, but again, if you have a million bucks. Of pure income INI what's available after paying all your expenses. And now it's a 5% return market that asset's worth 20 million. The income's the same, right? The property's the same, nothing has changed. The only thing that's happened is valuation and the big drivers' valuation movement have been capital. [00:05:44] Mark Hamilton: Capital is for years, if not decades has been feverishly, trying to find returns. And as there's evermore capital chasing returns go. But that means the value of the assets go up. So if you're holding a highly value asset and you think you might transact at some point in time our feeling is always, has always been it's better to sell when it's white, hot than when it's Rocky. [00:06:08] Mark Hamilton: So we, I think. Meticulously evaluate our portfolio every month. And when we think we've really completed a business plan on something, and we're not likely to do a heck of a lot better we'll generally sell that asset. And the last five years have been a good time to sell assets, but if you sit on them and hope to get the same amount of money out at a later date, if rates of return have gone. [00:06:29] Mark Hamilton: At that point, which they are right now, then your values have gone down.  [00:06:33] Sam Wilson: Right. Right. And so that's what you mean by made capital is when you're sitting on that property that is now in increased in value that do I sell it? Do I that's made capital, do I dispose this property? Do I hang on it? [00:06:46] Sam Wilson: You know the ultimate question, I guess that everybody's probably, yeah. And  [00:06:48] Mark Hamilton: It's not an error. To sit on it. If that's your strategy, if it's a family asset that you wanna hold indefinitely, then that's your as asset, that's your strategy, right? You honor the strategy, you have a piece of the rock and it produces income. [00:07:01] Mark Hamilton: Right. But if you're also trying to serve. So you're gonna serve a few masters, right? One master you have to serve is expenses. You're never gonna get away from that. If you put financing on it, you're serving a master of paying off the debt. But other than that, your masters are generally a combination of growth and income. [00:07:15] Mark Hamilton: You're gonna skew toward one side or the other, and if you're a heavily growth oriented investor and you can use the tool of a 10 31 exchange our view has been that it's better to use the 10 31 to put it back into something that you think is gonna grow again. [00:07:30]  [00:07:30] Sam Wilson: Right? Absolutely. [00:07:32] Sam Wilson: Absolutely. Do you feel like, like there should be a focus in an investor or in an investment firm's portfolio or they say, Hey, we're focusing on growth or we're focusing on income or is there a way to  [00:07:43] Mark Hamilton: have both. Yes, and yes. And yes. So your investment portfolio should serve your interest should ideally it'll serve your short term interests, but it should serve your intermediate and long term interest. [00:07:57] Mark Hamilton: Right? So you're gonna, you're gonna make choices you're gonna meet with somebody. It might be your spouse. It might be your mother or father-in-law, it might be your neighbor, right? It might be you talk it over with a CPA. Or with a wealth advisor. But I think you need to have a basic strategy. [00:08:11] Mark Hamilton: You need to be committed to it, which doesn't mean to be casting concrete. But at least that'll give you a measuring post. And then you measure accordingly in the early going our emphasis was all on growth. We were, simply finding things that we thought were undervalued to get something that's undervalued. [00:08:27] Mark Hamilton: There's gonna be some problems that come with it. Otherwise there'd be a flock of people chasing it. Right. And you have to be prepared to do the corrective, no, the corrective effort, you have to be prepared to, to put in the blood, sweat, tears of money. But you weren't even a wee lad there, then that was in 1985. [00:08:43] Mark Hamilton: So. Since then as we've succeeded and grown equity, our . Investors tend to have shifted to more of an income approach. They still want an expectation of growth. , if you don't have the expectation of growth, you might wanna buy a triple net deal, you might wanna buy a bond. [00:08:56] Mark Hamilton: But if you have some expectation of growth and tax efficiency along the way, our investors expect that, but , they're a little more centered on income right now. And some of that's about age and some of it's about having racked up big gains.  [00:09:09] Sam Wilson: Yeah. And that's, I think that's an investor sentiment that I have in my investor, conversations has been kind of shifting. [00:09:16] Sam Wilson: And even the last eight to 12 months, I hear a lot of investors who are calling me saying, you know what, I'm moving into the income side of things. I want a stabilized asset that is now producing revenue versus I'm looking for the home run. And I think that's coupled two things go into that. [00:09:31] Sam Wilson: One is the fear of an impending recession. And also, with that impending recession, also just the fear that the equity multiples aren't gonna be there. Like they, maybe they have been in the last six to eight years.  [00:09:42] Mark Hamilton: Well, that's certainly true in the stock market right now. The stock market is correcting. [00:09:45] Mark Hamilton: People are looking at it through various lenses, but you can be sure that one of 'em is price, earnings, ratios, and price earnings ratios have come down. And again, that means that the value against its net. Is not what it was, cuz people aren't bidding for it. [00:10:00] Right. To the same extent. Right. So, yeah I think there are good reasons to be looking at income at all times. [00:10:05] Mark Hamilton: And again, I would say probably. Oh boy, I would say fully 60% to two thirds of our investors at this point in time are content to collect income. And I think at this point in time, it's in part because they know there's gonna be . Growth. Right. , a lot of folks have been with us for more than 30 years. [00:10:20] Mark Hamilton: Wow. So they know there's gonna be growth. And then they can get per and because of that, they can get persnickety about income.  [00:10:28] Sam Wilson: I love it. I love it. Yeah. And I think that's a, an interesting point there where you say people aren't bidding for it. Have you guys seen any softening in the multifamily market on the acquisition side and maybe even on the disposition side? [00:10:41] Mark Hamilton: Yes. It had really within. The last two years during the pandemic with interest rates going down cap rates went down too. Cap rates are the rates of return that we look at. And again, it comes back to that ratio of net income to value, right. Cap rates went down. Just horrifyingly. [00:10:58] Mark Hamilton: There was a steep drop and that's great if you're holding, right. It makes it harder if you're buying. Right. And so we're, we are always buying what we buy a little bit can differ certainly where we buy differ. But I think we figured out that in the last 21 years of Hamilton Zs, we've been out of contract on an acquisition for precisely one week. [00:11:17] Mark Hamilton: We are always in the markets. It means you gotta be concerned about overpaying, right? I mean, we can overpay. There's no limit, there's no law against overpaying. You pay as much as you want. But we have to be careful. Our investors are friends and family and credentialed. Real estate people. [00:11:30] Mark Hamilton: They can pick apart a proforma and then we have marks, we have marks that we have to hit in part because people expect us to, they've seen it, right. So, but we are in 30 metropolitan areas. We're in 17 states and there'll be probably. Two thirds to three quarters of those markets that we can't even look in right now as buyers, because they're so fully Christ. [00:11:51] Mark Hamilton: Right. But we turn over rocks. We started out in one market. Then we were in two. Then we were in three and over the last 21 years, we've grown to 30 markets and it's just, we look for places we wanna be where there's good story. And then we start turning over rocks. And so, we'll take in three to 4,000 submissions, a. [00:12:08] Mark Hamilton: After shaking 'em down, we'll underwrite, maybe 250. We'll write offers on maybe 50 and we'll be able to get into the ring and get into the finals on 15 to 25 and come out with 15 to 18 acquisitions. Right. And it's just because we have to find the returns. But, you do it with hard work, you do it with persistence, you do it by forming [00:12:30] relationships with people. [00:12:31] Mark Hamilton: And right now in some of those markets, people are talking about transaction velocity in the second half of 2 0 2, 2 being off by fully 50% from the second half of 2 0 2 1. Wow. And so we are seeing cap rates move back. leverage has come down. We're typically a 65 to 70% borrower leverage right now is probably mainstream. [00:12:53] Mark Hamilton: Leverage is gonna be more. 50 to 60%. We can make that make sense. If we like the asset because we're investing more for long term income at this point, , not every time, but many of our partnerships have racked up big gains. And if people just get a nice, steady ride and a pretty picture to look at you're gonna make, you're gonna please a lot of people that way. [00:13:10] Mark Hamilton: But values have come back and it's market specific, rents are still white hot , in Manhattan and in Brooklyn. So I would expect rates of return. There have gone back down in some of the Rocky mountain states some of the Mid-Atlantic states cap rates have gone up broker told me the other day that in salt lake where we've seen just like brutally low capric in the low threes, that case by case. [00:13:32] Mark Hamilton: In salt lake, which is a highly desired market and a growth market that cap rates may have moved by anywhere from a hundred to 125 basis points. And what that means, nobody's sitting there watching a monitor saying, what are cap rates doing? They're behaving. Right. We're all behaving, right. [00:13:48] Mark Hamilton: And what are we doing? We're either buying or we're not. And so few fewer people are buying PE the people that are buying are being more selective. And I think generally speaking, you're gonna see a correlation between a B and C property that a properties have probably held their value the best and suffered the least capric decompression B properties are hanging in there doing okay, and have suffered a little more capric compression and C proper. [00:14:12] Mark Hamilton: Have gotten hurt the worst and have suffered a lot of capric decompression.  [00:14:17] Sam Wilson: And again, that goes back. I think the key point there is to what is your strategy? Is it growth or income? And so we don't really care. I, we are proud owners of a C-Class property that is producing an incredible. [00:14:31] Sam Wilson: And  [00:14:31] Mark Hamilton: it's like, as long as it's doing its job and it's not wobbling and you structured your financing so that you're not gonna get whipsawed by hostile movement in interest rates, then the asset's doing its job. Right.  [00:14:45] Sam Wilson: That's exactly right. That's exactly right. Yeah. And so we're not, again, it goes back to your very, the very point in the beginning, which is, what do you want out of this investment? [00:14:54] Sam Wilson: Is it growth? Is it income? What's your strategy and the honor of that strategy? So  [00:14:57] Mark Hamilton: that's I think I think for me, [00:15:00] and maybe it's just because I've gotten on in years, I'm 63, right? So you're talking to almost an official senior citizen But at this point in time, I just want it to work out. [00:15:08] Mark Hamilton: Right. I want stuff to work out and that doesn't mean I wanna move to the sidelines. I'm too fidgety to move to the sidelines. But you have a basic strategy and if it works out, it's doing its job. and so we know that we could make it work with growth and income, we knew we could make it work with growth. [00:15:21] Mark Hamilton: There wasn't much income. It was mostly about it. It was a big renovation business, but we know how to do it with growth and income. We know how to do it with income . And growth. , we took down a portfolio in bankruptcy last year of almost 60 properties. And we knew it had been mismanaged and we knew that it was out of the reach of most investors who would bid for it. [00:15:40] Mark Hamilton: Right. So we felt we were getting good pricing going in and we felt we felt, we knew we could run the portfolio. We were uniquely positioned because it was both apartments. was probably two thirds of the value of the portfolio and suburban office. And we have an affiliated company that, that does that. [00:15:55] Mark Hamilton: And the other thing too is on our home court, it's in the bay area. Right. So, nobody's ever gonna be nonchalant about a bonafide growth deal. But at the same time, those sort of things are, I guess the term of the stock market is unicorns, right? Those things are unicorns a little bit. [00:16:10] Mark Hamilton: So if we didn't catch a unicorn, we at least caught a horse with a bump on its head. And but everybody likes growth. And if it's real growth, you're not gonna have any trouble having people be interested. But at the same time, you have to look at what's sustainable. And investors want what's sustain. [00:16:24] Mark Hamilton: Yeah.  [00:16:24] Sam Wilson: That's absolutely right. Absolutely. Right. Tell me, this is your view in the market right now. , are we in a lull? Is this the eye of the storm? Where are we right now? And where are you guys positioning yourself for the future?  [00:16:39] Mark Hamilton: That's a really good question. And curiously, I think events on the global stage are gonna affect us real estate markets. [00:16:47] Mark Hamilton: More than you might expect. Certainly inflation is a worldwide phenomena right now and it's gonna affect worldwide interest rates. On the other hand, the United States is also still a Haven for investors and there's certainly inflow of. Foreign capital. We don't deal with foreign capital very much. [00:17:03] Mark Hamilton: We deal with it a little bit. And so I think, certainly the likelihood of stability it won't be perfect stability. It's gonna, we'll suffer some capric decompression just like anybody, but what's happened on the world commodities market because of. [00:17:16] Mark Hamilton: Central banks, flooding economies with money and because of the war in Ukraine in terms of the impact on energy commodities et cetera, is a big deal. Any instability in China would be a big deal and they have people [00:17:30] there that are publicly. Boycotting making interest payments on properties that they have never been delivered to them. [00:17:37] Mark Hamilton: And so, growth I think it's fair to see that China. Has made economic rising economic prosperity and rising stability and rising growth rates, a pillar of their whole form of government in terms of keeping people bought in. And so when you see growth start to slow down, which it has in China, and then when you see people boycotting mortgage payments That's a concern. [00:17:59] Mark Hamilton: It should be a concern. It would, it will affect the world market. And then domestically it's, it's interest rates. I don't think there are any newfound challenges in the tax code that are gonna drop on us. I think Fannie and Freddie are gonna be there are there for the duration in terms of cap being capital providers, being debt, capital providers. [00:18:15] Mark Hamilton: And so it comes down to operations and I won't say that we're protected from a downturn affecting working people in the United States. I don't think we're protected. I think that occupancy exposure and delinquency exposure is gonna be the lowest with a plus properties. [00:18:33] Mark Hamilton: And it's gonna be the highest with C minus properties. So you just have to be, you just have to be prepared. To be that operator, if you have a real occupancy and, or delinquency challenge. And I. I think there will be some of that, but let's be honest. I mean, unemployment right now is at three to 3.5%. [00:18:51] Mark Hamilton: And there are a lot of people who are just saying, eh, it's not good enough for me yet. I'll wait it out. I'll find a job, but I'm not in any hurry. And household formation is still on our site. We are probably 85% of our investment activity is in multi. we do have investment activity in our suburban office platform, but the vast majority of it's multi-family and what we experienced in the great recession was that if we met the market, did a good job operating the properties, kept the staff happy and kept people in their apartments. [00:19:22] Mark Hamilton: It was a refuge for us. In a rough time. Because , if you can win your occupancy, you've won a big part of the battle with multifamily.  [00:19:29] Sam Wilson: Absolutely. Absolutely. Mark, this has been fascinating. Thank you for taking the time to come on today and just kind of give us a breakdown really on the current events, how you see things through a lens of. [00:19:39] Sam Wilson: How many years is that? 15, 20, 35?  [00:19:42] Mark Hamilton: Well, the dirty secret is 40. But I didn't buy my first property until 1985. So 37. Okay. So the year I got  [00:19:49] Sam Wilson: married, that's awesome. I absolutely love it. If you could give our listeners one piece of advice that pertains to investing today, and you said, Hey, [00:20:00] this is what I recommend to anybody who's investing in commercial real estate. [00:20:03] Sam Wilson: What would it be  [00:20:04] Mark Hamilton: For your own sake, commit to staying power. What's your staying power strategy, right? If you're starting out, what's your income gonna be? Do you have no need of an income? Do you have an income stream? Do you have a spouse that's bought in that provides enough income, but you gotta commit to staying power and that means your. [00:20:23] Mark Hamilton: Because you will want to eat and do the thing that I did this morning, which is get out of bed. You will wanna be able to do that every day and meet the challenges, right? Apartments are multi-family is a very activity based business, right? It's a very demanding daily business. So you have to be prepared to, to meet that where it is. [00:20:42] Mark Hamilton: And then you have to have a strategy. That's gonna an asset strategy. That's gonna allow you to navigate it when things aren't so great and benefit from it when things aren't. So I may always say commit to staying power and satisfy yourself that you've answered those questions.  [00:20:57] Sam Wilson: I love it. [00:20:58] Sam Wilson: I love it. Mark. Thank you so much for coming on today. If our listeners want to get in touch with you or your firm, what is the best way to do that?  [00:21:05] Mark Hamilton: Well, I'll tell you, we have a pretty good website that we like. Other people have told us that as well. It's Hamilton, H a M I L T O N Z as in zebra, a N as in Nancy, Z as in zebra, E as in edward.com. [00:21:18] Mark Hamilton: We think that tells the story pretty well. And then otherwise my email address is mark M Ark. Hamilton zands.com.  [00:21:26] Sam Wilson: Wonderful. We'll make sure we put those things there in the show notes, mark. Thank you again for coming on day. Certainly  [00:21:31] Mark Hamilton: appreci. Appreciate it. You got Sam. Thanks for having me. It was fun. [00:21:34] Mark Hamilton: Good luck with your property. Thank you, sir.