Podcasts about ioof

This episode is a fuller version of my presentation given at the 2024 Lutheran Historical Conference in Baltimore. Link to the full video of this episode.One church historian observed that “ It would require pages and pages to report Wyneken's work during his pastorate [in Baltimore].”  This episode will examine one specific topic- how Wyneken contested for a genuine Lutheran identity and practice in the following arenas in Baltimore:2nd German Evangelical Lutheran ChurchEvangelical Lutheran General SynodForming the German Evangelical Lutheran Synod of Missouri, etc.The IOOF, Red Men, and other lodgeshttps://youtu.be/T9m8usSbwSESupport the show Lutheran History Shop Youtube ( even more behind-the-scenes videos available for certain patron tiers) Facebook Website Interview Request Form email: thelutheranhistorypodcast@gmail.com About the Host Benjamin Phelps is a 2014 graduate from Martin Luther College with a Bachelor of Arts with a German emphasis. From there went on to graduate from Wisconsin Lutheran Seminary in 2018. Ben loves all things history and enjoys traveling. A descendant of over a dozen Lutheran pastors, Ben has an interest in his family roots, especially 19th-century Lutheranism, and has written several papers and journal articles on the topic. His 2018 thesis on Wyneken won the John Harrison Ness award and the Abdel Ross Wentz prize. He is also the recipient of two awards of commendation from the Concordia Historical Institute. Ben is currently a doctoral student in historical theology through Concordia Seminary's reduced residency program in St. Louis.

My guest today says, “The stats don't lie – financial wellbeing is important for employees and employers.”     Joining me today is Kathryn Dixon.  Kathryn is a Relationship Manager within the Employee Solutions team at Insignia Financial (formally IOOF), Kathryn works with employers to help them implement and deliver employee benefits to their staff.   Those benefits include financial education and support designed to help develop and enhance their financial wellbeing as well as insurance and superannuation services.    On today's show, Kathryn will share:  Facts and figures to illustrate why employers should consider implementing a financial wellbeing program;  Strategies to building financial wellbeing; and The benefits for employer and employee of investing in a financial wellbeing program.  Contact Kathryn: Website: https://www.insigniafinancial.com.au/en Linked In: @kathryn-dixon-au Email: Kathryn.dixon@insigniafinancial.com.au Connect with Business Women Australia: Website:  www.BusinessWomenAustralia.com.au Twitter: Business Women Australia Linkedin: Business Women Australia The post 60. Fostering Financial Wellness: Strategies and Benefits for Employers and Employees appeared first on The Ambitious Entrepreneur Podcast Network   Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode, Laura, Krysta and Dean discuss the Belvoir Winery in Liberty Missouri. But first Krysta has weird facts about Iguanas as well as Catching up with Krysta. Then we discuss the history of the secret society known as the Odd Fellows. Then, we learn of their history in the United States and specifically Missouri as these philanthropists form a school, a hospital and a home for the aged on 250 acres along with a farm and a cemetery and how the site eventually became disused, shrouded in rumor before being turned into the Belvoir Winery. The Winery is a place for wine tastings, weddings and staying the night in one of their 9 rooms. But the winery is haunted by it's past and actively haunted by shadow people, apparitions and more. We even hear from Blue and Demyx, two of the kids that aren't regularly on the show as they discuss their experiences at the Winery. So join us as we investigate this legendary location and find out all about it's haunted history!

The Australian market extended its gains into Thursday, adding just under 1% to close the session in positive territory led by a rally for real estate and energy stocks.The big story of today's session was Australian investment fund and trustee group Perpetual (ASX:PPT) announced it is acquiring its competitor, Pendal Group (ASX:PDL) in a cash and scrip deal to create a $201 billion global asset manager.Uranium stocks soared during today's session following reports Japan is considering the development of new nuclear reactors, indicating the country has a renewed focus on nuclear energy, years after many of the country's plants were shut down. Uranium stocks on the ASX jumped following the reports including Paladin Energy (ASX:PDN) surging over 20% in two sessions and uranium-linked stocks like Silex Systems (ASX:SLX) up 6.8% today. Paladin Energy (ASX:PDN) was the winning stock today, up around 20% over the last two sessions following the reports out of Japan. Insignia Financial (ASX:IFL), formerly IOOF, also soared over 11% today on the back of FY22 results being released including the company swinging to a profit in the financial year.On the losing front, Woolworths (ASX:WOW) shares were sold off today following the release of the company's FY22 results including EBIT falling 2.7% and the company taking lower margins as customers shift away from price-inflated products like beef and fresh veggies. Fashion retailer City Chic (ASX:CCX) also fell out of favour with investors today, with the company's share price tumbling more than 20% also on the release of FY22 results. Despite reporting revenue growth of 39% and underlying NPAT up 7.7%, investors were more shocked to see City Chic's inventory almost tripling and the company diving into a negative cash flow position.On the economic front today, across the ditch in New Zealand retail sales for the second quarter fell 2.3%, which was well below the market expectations of a 1.7% rise. This is the second consecutive quarterly decline in retail sales which raises the risk that the NZ economy fell into a technical recession in the first half of the year.US Crude Oil Inventories data was also released today showing stockpiles of the commodity in the US declined by 3.3 million barrels, which added to the upward price pressure on crude oil today.The most traded stocks by Bell Direct clients today were Djerriwarrh Investments (ASX:DJW), Whitehaven Coal (ASX:WHC) and Woodside Energy (ASX:WDS).As for what to watch overnight, US GDP data for the second quarter will be released just before midnight tonight Australian eastern time which investors have been waiting for, to see whether the world's largest economy is in a technical recession or not.

Email that could be a scam?...  Most Stressful States… 1 in 5 broke before payday… Crypto theft… Census shows people on the move…  Vegas to host road race…  Grammys Junkies and Junk…  Joining the IOOF? in Denton Texas…  Charles and Meta… Meghan's tease… Ever Forward still stuck… Game Show: What's The Lie / Special Guest Pat Gray… Learn more about your ad choices. Visit megaphone.fm/adchoices

Karlo Henry,  creator of The Art Hunger, joins Viva Downtown Program Coordinator, Blake Fisher for the latest episode of the Viva Downtown Downtown Discussion Podcast.  Karlo shares how The Art Hunger returns to the IOOF Hall 1504 Market Street for the Art Hunger Winter Gallery and Workshop December 3 - 23. Over the 2021 summer, Viva Downtown and The Art Hunger partnered up for a three month Summer Art Gallery that featured over 80 +  local artists each month from June - September. We look forward to partnering again for The Art Hunger Winter Gallery which features stunning holiday lights for picture opportunities, local artists works, and crafty workshops each weekend. Register for The Art Hunger holiday workshops https://www.vivadowntownredding.org/the-art-hunger-winter-gallery. THE ART HUNGER is a project born from the idea of creating community through ART. By creating and nurturing a healthy creative community and seeking opportunities to showcase the artistic creativity within our society. The Downtown Discussion is a podcast that focuses on the people who enhance Downtown Redding through social, cultural, and economic development.

With a strong interest in history, esotericism, and philosophy, it was only a matter of time before Asean Malik Bey found his way to Odd Fellowship.  That first encounter happened at a friend's martial arts studio and, since that time, Brother Bey has launched a career as an Odd Fellow organizer, historian, and scholar.  A member of Teoronto #8 of the IOOF and Northern Star #715 of the GUOOF, he shares his personal journey to Odd Fellowship  and some of the creative solutions he's used to help build his GUOOF lodge like having the brothers provide security for community events, partnering with the local Rotary chapter, and renting out the meeting room at Dunkin' Donuts on Friday nights to do community outreach.  He also shares his background in esoteric philosophy and historical collecting.  Brother Christopher returns from his sabbatical (it wasn't where he claimed in the episode) and tells us in the Odd Podge of his excitement over watching the World Cup final on his birthday in 2022.  Brother Toby talks about initiating new members in Eastern Washington while Brother Ainslie shares his lodge's most recent degree work.  The Lodge Shoutout goes to the members of Lebanon Lodge #1 of Beirut, Lebanon, some of whom got to visit Ontario recently.

Victoria Weekes has had a long, impressive, and principled board career.  She is an accomplished non-executive director with experience across a diverse range of business sectors in listed and major private and public sector organizations. Migrating to Australia at the age of two, she spent much of her teenage years on the family's rural property where she learned to muster cattle. Victoria went on to complete a law commerce degree and then joined a major law firm, however she soon realized that private practice was not her cup of tea.  After just six months she jumped at the opportunity to move into finance, where she forged a successful executive career in banking and financial services, with C suite roles in ASX10 and major listed international companies including Citigroup and Westpac. Victoria started her board journey at a young age after making a deliberate decision, so she could use her business and strategic skills across diverse sectors.  Her first board role was with Cure Brain Cancer. While finding the initial transition challenging, she went on to establish an enviable portfolio. She was recently appointed to the Board and Audit & Risk Chair of Alcidion (ASX:ALC), a leading healthcare technology provider and is the immediate past Chair of Sydney Local Health District and former Chair of OnePath Custodians, ANZ's $45b retail public offer superannuation fund acquired by the IOOF in 2020.    She is current Deputy Chair of SGCH Community Housing; a member of the Library Council of NSW since January 2019; and President of FINSIA - among her current roles. A passionate advocate for gender equality, Victoria was a founder and the inaugural Chair of the Australian Gender Equality Council, a role which she discusses with passion and heart. She talks openly to Claire about her period of renewal, surviving the witness box in the Banking Role Commission, the importance of establishing and consistently following your values, humility and how we really haven't come as far as we think with the gender pay gap.   LinkedIn: Victoria Weekes | Claire Braund (host) Further Information: WOB membership, events & services, please visit our website. To receive our weekly newsletter, subscribe to WOB as a Basic Member (free). Join as a Full Member for just for full access to our Board Vacancies, WOBShare (our online member platform) and more.

Find the full episode here: https://youtu.be/RFnxmGdcAO0

It was a silent night for markets, as Wall Street was closed for the Labor Day public holiday.  European equities are approaching record levels. Tech stocks in Europe increased 1.6%, leading the major European indices higher, after the US jobs report revealed US jobs are growing at their slowest pace in 7 months. The US Central Bank may need to keep monetary policy as is, and not scale back on bond buying. This will keep bond yields and interest rates lower for longer.  The Aussie share market is set to open higher, with the futures suggesting a lift of 0.2%.  What to watch today: All eyes will be on tech stocks today. Tech stocks rose 1.2% on the ASX yesterday. Appen (ASX:APX) rose 4.6%, Redbubble (ASX:RBL) rose 3.5% and Technology One (ASX:TNE) rose 2.2%. The aluminium price hit a decade high overnight, amid political unrest in Guinea. Global stimulus and the push for climate change investment and tighter supply, has pushed aluminium up 40% this year. This is supporting stocks such as Alumina (ASX:AWC), which rose 3% yesterday and 19% last week. The 15 and 30 day moving averages and the MACD technical indicators, are both suggesting AWC could continue to rally. Also watch other aluminium stocks such as South32 (ASX:S32).  The iron ore price last traded 3% higher at US$144.83, while the copper price is steady. And the oil price fell below US$69, as it continues to lose momentum after the weaker than expected US jobs report. Companies going ex-dividend today include Amcor (ASX:AMC), BlueScope (ASX:BSL), IOOF (ASX:IFL), IGO (ASX:IGO) and Origin Energy (ASX:ORG). One of the most traded stocks by Bell Direct clients yesterday was Fortescue Metals (ASX:FMG), which fell 11% after it went ex-dividend. FMG shares are now 30% cheaper than they were in July this year. The technical indicators suggest FMG shares could continue to fall, while the MACD flagged a bullish signal, suggesting this could be the end of FMG's downtrend. In economic news, the RBA meets for the first time this month today at 2:30pm AEST. Rates are tipped to remain on hold at 0.1%. However, all eyes are on the Central Bank's decision to change its timetable for buying government bonds, with $4 billion of bonds being bought by the RBA until at least the 11th November 2021.  Trading Ideas: Cobram Estate Olives (ASX:CBO) was rated for the first time by Bell Potter as a new BUY stock, with a price target of $2.30, implying 14% share price growth in a year. Bullish charting signals have been identified in IOUPay (ASX:IOU), Polynovo (ASX:PNV) and Firefinch (ASX:FFX), according to Trading Central. 

IOOF chief executive Renato Mota joins Eureka Report's financial commentator Robert Gottliebsen on this week's episode of The Money Café for an in-depth look into financial advice, what impact COVID is having on the sector and developing the next generation of advisers. See omnystudio.com/listener for privacy information.

On a new episode of The ifa Show, host Neil Griffiths is joined by Prad Navaratnam – founder and managing director of paraplanning service Advice Lab. Prad shares his story of working in the financial services industry with IOOF and eventually bringing his interests in data and numbers to another passion – sport. Prad talks working with NRL teams like the Sydney Roosters and the West Tigers, as well as the Sri Lankan cricket team since relocating to Sri Lanka with Advice Lab. 

Australia has a large number of baby boomer business owners that are currently heading towards or preparing for retirement with no real plan for an exit from their business. The first thing to do is begin with the end in mind, start to think about what is my exit look like?  There's a lot of goal setting to be done here, I think you need to be really clear. Why did you go into business in the first place? 2:47 Begin with the end in mind8:41 The family business challenge12:51 Employee share schemes15:28 The employee challenge20:21 Rewarding employee loyaltyCraig West is a strategic accountant who has over 25 years' experience advising business owners. His background as a CPA in public practice, provided invaluable experience in the key issues of concern to business owners. Following 6 years of study to gain two masters degrees, Craig focused on Capital Gains Tax (CGT) for business sales advising on strategic management of tax issues. This experience formed a very strong view that business owners (and often their advisers) were unprepared and unaware of the steps required to prepare a business for exit.Craig now acts as a strategic mentor for mid-market business owners and has written four critically acclaimed books on employee incentives, succession planning, asset protection and exit strategies. Craig has conducted numerous seminars and keynote presentations throughout Australia & internationally, including adviser education programs for the Institute of Chartered Accountants, IOOF and CPA Australia.Craig's practice Succession Plus is the largest Business succession and exit planning firm in Australia, with offices in every state and provides advice and strategy for clients looking to prepare their business for a successful exit. Succession Plus launched into the UK market during 2019 and into New Zealand in 2020In March 2014, Craig was appointed Executive Chairman of the SME Association of Australia, Australia's largest small business organisation representing over 300,000 business owners. In October 2014, he was awarded the Exit Planner of the Year at the Exit Planning Institute Annual Conference in Texas USA, as a result of his innovative development of an exit planning process to help business owners maximise business value and achieve a successful exit.During 2015, Craig commenced Doctoral studies on the topic of using Employee Share Ownership plans (ESOP's) as a Business Succession and Exit planning tool. Craig's proprietary structure - a Peak Performance Trust - has won the Australia wide award for the Employee Share Ownership Plan of the year twice in four years.In November 2018, Craig launched SME Experts, in partnership with Mark Bouris' Mentored on Podcast One and quickly grew the monthly podcast audience to over 26,500 downloads, in October 2019, he released a new podcast focused on medium sized business - Mid-Market Matters.Craig is passionate about encouraging business owners to think strategically, maximise the value of their business and achieve a successful exit.cwest@successionplus.com.au

The essential elements of an effective wellbeing program My guest today says, “What employer doesn't want to see their employees be more productive, more present and ultimately more loyal?” Joining me today is Kathryn Dixon. Kathryn is a Relationship Manager within the IOOF Employee Solutions team at IOOF. She works with employers to provide employee [...] The post 36: The essential elements of an effective wellbeing program appeared first on The Ambitious Entrepreneur Podcast Network.

In this episode of Talk Ya Book, we're joined by Portfolio Manager at Spheria Asset Management, Marcus Burns. Spheria's approach to picking stocks might almost sound unconventional to most modern investors, focusing on small cap opportunities generating positive cash flow. In this episode we get to hear about one his favourite financial services companies, IOOF holdings (ASX: IFL). Proudly presented by Spirit Technology Solutions.    See omnystudio.com/listener for privacy information.

George Sliney, a young immigrant from County Cork, Ireland, rode out along Owl Creek in Wyoming Territory in the latter half of the 19th Century and staked a claim that would become his cattle ranch.  Over time, he would become one of the most prominent citizens of Hot Springs County and the city of Thermopolis.  He was also a member of Thermopolis Lodge #26, IOOF.  That obscure footnote of history would eventually inspire Bradyn Harvey and Gage Maser to join the Odd Fellows and revive the charter of Lodge #26, but this time bearing the name of pioneer settler George Sliney.  Although it took two years and much searching, Bradyn was eventually able to find PG Steve Masters and join Riverton Lodge #44.  Not long after he set about the task of reviving the charter for his home town lodge in Thermopolis.  Odd Fellowship is definitely a hot commodity in Wyoming these days as plans are also underway to revive the lodge in Casper.  In the Odd Podge, Ainslie gives an update on the progress of the Odd Fellows Primer, Toby gives an update on the project to record new versions of the Odes, and Christopher praises the cleanliness of the bathrooms at Buckley Lodge #75.

It's another crossover episode with our brothers and friends at Modern Goat Rider!  Ours is the second half of the crossover so be sure to download and listen to Episode 29 of Modern Goat Rider to get all the context for this episode of the Three Links Odd Cast.  In the first half of the crossover we discuss how Odd Fellowship would have been different today if we had made changes in the past.  For our half of the episode, we're guessing about how things would be different going forward if changes were made now.  Among the items of speculation: if Abby from NCIS were a member, would she be an Odd Fellow or Rebekah?  Is it feasible going forward with three different orders of Odd Fellows (Manchester Unity, GUOOF, and IOOF)? How will lodges be different after COVID?  Will there be more embrace of technology?  Will they lose members or gain members?  Is the isolation of COVID lockdowns and quarantines driving demand for membership?  Are our lodges prepared for new members in a post-COVID world?  What would be different if local political leaders were members of our lodges?  Would that help direct lodge resources to areas of need or would that encourage political discord to enter our lodge halls?  Give a listen while we propose how Odd Fellowship could be different going forward.  If you've got a response to our conjecture, be sure and share it with us on our website, http://www.threelinksoddcast.com.

Tuesday 27 April 2021 The federal government considers banning travellers from India, as other parts of the globe recommence tourism. Also today: Commodity prices soar with iron ore and copper near record levels as the global economy recovers. The country’s largest financial planner business in trouble for poor advice. And just two local universities make the top 100 global rankings. Find out more: https://fearandgreed.com.auSee omnystudio.com/listener for privacy information.

The Aussie share market is set to open higher with the futures suggesting a 0.1% lift. Tech and airline stocks will be in focus today. What to watch: The Aussie tech sector is up 10% this month, Industrials is 6% and Materials is up 7.2%.Iron ore price continued to increase 0.4% overnight chasing down a new 10-year high. Watch Fortescue Metals Group (ASX:FMG), Magnetite Mines (ASX:MGT) and Mineral Resources (ASX:MIN) today.Platinum futures are up 2%, and Palladium futures are up 0.5%. Copper trades lower.The Oil price is 0.1% higher at US$62.22, with futures 1% higher. Westpac (ASX:WBC) has announced its half year profit will be $282 million accounting for litigation costs and software write-downs, as well as IOOF separation expenses. NIB Holdings (ASX:NIB) has announced its underlying profit for the 2021 financial year to be much stronger than a year prior. The most traded stocks from Bell Direct on Friday: Vanguard Msci Index International Shares ETF (ASX:VGS), Vanguard US Total Market Shares Index ETF (ASX: VTS) and Vanguard Australian Share ETF (ASX:VAS). Trading Ideas: Accent Group (ASX:AX1) was upgraded as a Bell Potter Buy stock with a $3.30 price target, implying 14% upside. Fortescue Metals Group (ASX:FMG) was upgraded to a Buy from a Hold by Bell Potter with an increased $23.85 price target.Youfoodz Holdings (ASX:YFZ) remains a Bell Potter Buy, with a lower $1.10 price target. Weebit Nano (ASX:WBT), Gelena Mining (ASX:G1A) and Emeco Holdings (ASX:EHL) are all giving off bullish charting signals according to Trading Central.

Ioof

Renato Mota is the CEO of IOOF. Renato believes that the advice industry would benefit from broadening what exactly the interpretation of what advice is, and then leveraging technology to deliver that in a more scalable, affordable way. Renato Mota LinkedIn: http://linkedin.com/in/renatomota IOOF Website: https://www.ioof.com.au/ This podcast is brought to you by Integrity Life. Go to https://www.integritylife.com.au/xy to find out more. Join the XY platform: App Store: http://co.xyadviser.com/xyistore Google Play: http://co.xyadviser.com/xygplay Desktop: https://www.xyadviser.com/ General Disclaimer – https://www.xyadviser.com/disclaimer/

Toby Hanson joins the podcast to talk about his musical career as an accordion player. From an early age Toby was studying music. A family member would play an accordion at family gatherings. Since Toby was not big enough to play an accordion at that time he started in music by playing Piano. After graduation with a bachelors degree in music Toby has had an interesting career as a professional musician.Performing in multiple Social Dance Music Bands Toby keeps busy. From Swing music, to Polka, even a Cafe Orchestra his piano and accordion talents are in demand in Washington State.We wrap the episode up with a live performance of Just Because.If you want other great ideas of places to visit, or to find out more about people who are making amazing things in Washington State you can visit Explore Washington State.Support the show (https://www.buymeacoffee.com/ExploringWash)

The ASX200 is eyeing a lift of 1.1% at the open.GameStop (NYSE:GME), the centre of a Reddit-user buying frenzy, saw its shares fall 44% after Robinhood and Interactive Brokers placed restrictions on trades.What to watch today:The iron ore price fell 0.4% overnight and oil stocks could come under pressure as the oil price fell 1.2%.Fortescue Metals (ASX:FMG), Galaxy Resources (ASX:GXY) and IOOF (ASX:IFL) report quarterly production today.Local trading ideas:Car dealership business, Eagers Automotive (ASX:APE) was upgraded to a buy by Bell Potter, with a $15.50 price target as its earnings are growing more than expected  and are likely to continue.Genetic Signatures (ASX:GSS) was reiterated as a Bell Potter speculative buy, with a slimmer $3.20 target.Yancoal Australia (ASX:YAL), Platinum Asset Management (ASX:PTM) and 5G Network (ASX:5GN) are giving off bullish charting signals according to Trading Central.

Brother Supreme Page of Oglethorpe Lodge #1, IOOF and Wayman Lodge #1339, GUOOF joins us for the first half of this episode to talk about the Grand United Order of Odd Fellows and their unique history in African-American communities. Unfortunately, due to a dropped phone call, Bro. Page was unable to finish the episode with us. We are hoping to bring him back in the future to finish the conversation so he can share more of his historical research about the Grand United Order. Some of the great information he was able to share touched on the roots of the GUOOF in America and its historical relationship with the other Odd Fellow Orders like the Manchester Unity and the IOOF. He also shared the background of construction of the GUOOF Hall in Atlanta on Auburn Avenue and how similar stories of progress in Black communities played out in cities around their Odd Fellows lodges. To round out this episode, Bro. Christopher McHale made a special appearance to talk a little about what Bro. Page shared as well as give an update on what he's been doing in Montana. We preview the next episode and also make a request for any Odd Fellows in Scandinavia that might be willing to join us for an episode.

A spirited discussion with a potential member who said no to joining because of the requirement to believe with PGM/PGP Peter Sellers and PGM Rick Boyles discussing possible legislation to enforce the belief requirement.

In challenging times for the advice industry, it is important that those with influence step up to the plate and encourage Australians to seek financial advice. Financial wellbeing empowerment is a growing topic of discussion in Australia, especially in the midst of a recession. The great news is, there are companies out there spreading this message.  In this episode, we speak to David Harvie, the National Financial Wellbeing Manager at IOOF to find out what the team are working on to promote financial advice in Australia. We discuss the importance of language when addressing financial knowledge with clients, understanding client bias and tendencies, and get some fascinating insight into new industry statistics.  This episode is all about looking at how we can start a conversation around promoting good financial advice for Australians, starting with the support of large corporations like IOOF.  We even talk about one of the lesser recognised ‘taxes in Australia - the lazy tax! Resources: To reach out to Dave Harvie, please contact him via his LinkedIn profile. Alternatively, contact the team on 1800 325 171.  What You'll Learn From This Episode: What does financial wellbeing mean? Why ‘financial literacy' may not be the right term to use with clients Why the feeling of agency is so crucial to clients How to handle clients who ‘self prescribe' How prevalent is financial stress in Australia?  How to discuss cashflow in a way that is easy for clients to understand  Online tools that you can use in the advice process What is the ‘lazy tax' and why you should talk to your clients about it The importance of being clear on your value proposition  Are financial wellbeing programs valued in workplaces? About Our Guest: David Harvie is the National Financial Wellbeing Manager at IOOF, with over 20 years of experience in the industry. David came from a country upbringing and has carried those community values throughout his career, working areas such as sales, distribution and providing advice to clients at Shadforth. David is known for his passion for making quality advice accessible to more Australians.  For more conversations with the thinkers and movers in the world of financial advice, go to Goals-Based Advice Podcast. You can also access more episodes on Apple Podcasts and Spotify. For updates, follow our Facebook page.  If you have more questions, don't forget to reach out to me on LinkedIn and to send an email at jacqui@adviceintelligence.com. Thanks for tuning in!

The ASX200 is eyeing a lift of 0.6% at the open.Oil gained 4% rising over US$45 for the first time since the pandemic hit in March.What to watch today:Fisher & Paykel Healthcare (ASX:FPH) reports results today.Fletcher Building (ASX:FBU), Harvey Norman (ASX:HVN), IOOF (ASX:IFL), Kathmandu (ASX:KMD), Pro Medicus (ASX:PME), Shopping Centres Australia (ASX:SCP) and Synlait Milk (ASX:SML) hold their AGMs today.Construction numbers for the quarter are likely to remain negative with the market expecting a drop of 2%.Local trading ideas:Financial software provider Praemium (ASX:PPS), was upgraded as a Bell Potter Buy with an increased target of $0.90, implying 36% upside in a year. Online learning and exam platform, Janison Education (ASX:JAN), was upgraded by Bell Potter to a Buy from a hold with a $0.45 price target, implying 20% upside in a year. Bell Potter says the company is well placed to deliver strong growth over the next 6-12 months. Nick Scali (ASX:NCK), Liontown Resources (ASX:LTR) and Challenger (ASX:CGF) are all showing bullish charting signals according to Trading Central.

Alan Kohler and James Kirby are back in the virtual café to flesh out yesterday's GDP figures and why the recession label doesn't capture the current economic situation. The duo also look at IOOF's acquisition of MLC, the Future Fund's warning sign and why residential property signals are deteriorating.   See omnystudio.com/listener for privacy information.

The ASX200 bounced back today to recover yesterday's losses, despite a worse than expected quarterly GDP figure and the country now officially in its first recession in 30 years. Just imagine the situation we'd be in without JobKeeper and JobSeeker! Banks and miners were back in the green, as were the telcos, real estate and supermarkets. IOOF took a 15% hit after resuming trading following its cap raise, with investors clearly not convinced that its purchase of MLC is going to pay off. The top three VODs for today are:Facebook ready to 'go nuclear' in news battle says former CEOMawhinney: AMP has a large margin of safetySingapore and HK are on our expansion radar but China is not See acast.com/privacy for privacy and opt-out information.

Uber Eats has unveiled its new advertising format with sponsored restaurant listings in-app. NAB’s superannuation and financial advice business, MLC Wealth, is being sold to IOOF for $1.4 billion. Mobile phone retailer Amaysim is selling its energy business, Click Energy, to AGL for $115 million. --- Start your money journey: https://www.flux.finance/ Instagram: http://bit.ly/fluxinsta TikTok: https://www.tiktok.com/@flux.finance Facebook group: http://bit.ly/whatthefluxgroup --- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes.

The Aussie share market is eyeing a fall of 0.5% at the open, following a mixed session on overnight markets with the Dow falling 0.9%, the S&P500 down 0.4%, while the Nasdaq pumped up 0.4%. But what's noteworthy is the Nasdaq futures are suggesting a 1% gain on Friday. So in afterhours trade, the ETF tracking the Nasdaq 100 (QQQ) rose 1% and the ETF tracking the S&P500 (SPY) rose 0.9%. So keep an eye on their Aussie counterparts today, the ETF on the ASX that tracks the Nasdaq 100 is (ASX:NDQ). Overnight, the U.S. officially entered a recession with second quarter GDP falling 32.9%, following the 5% drop in Q1. The fall was not as bad as the expected 34.1% drop however, it was the worst fall in history. This saw people reshuffle their portfolios, chasing companies upgrading their earnings. What else to watch today:On the economic side, private sector borrowing known as private sector credit is out today. Local trading ideas:Bell Potter reiterated CBA (ASX:CBA) as a buy with a price target of $78.00, implying 7% share price growth from yesterday's close price of $73.01. Janus Henderson (ASX:JHG) delivered a solid June quarter update, Bell Potter reiterated JHG's buy rating and increased its target to $42.50. That implies 36% growth from yesterday's close of $31.21. Bell Potter also upgraded its earnings per share estimates by 2-3% with June quarter profit hitting US$104.1 million, smashing through expectations. Following IOOF Holdings' (ASX:IFL) disappointing quarterly report that raised a number of issues that were not properly addressed in the update, Bell Potter reiterated IOOF as a sell, dropping its target price to $4.20.

In this episode we dive into the interesting background of the Belvoir Winery in Liberty, MO; a past that includes a secret society, the elderly, and orphans who may be sticking around the property even today.... Important Sites: Inyourstate.com Independent Order of Odd Fellows Wiki Odd Fellows Home District Wiki Belvoirwinery.com Odd Fellows Home - atlasobscura.com Ghost Hunters Episode: Vintage Spirits thecreepz.com --- Support this podcast: https://anchor.fm/madderthanacaterpillar/support

In this launch episode, Martyn Riddle talks to Lisa Kauppinen, Head of ClientFirst Melbourne at IOOF, a large Australian-based financial services organisation. During the chat, Lisa highlights the 'Customer First' methodology that underlines the way the business operates and talks about the challenges and successes they had as they transitioned the workforce to a Work from Home scenario. She also gives some insight to what's keeping her entertained during the current situation.

Welcome to Finance and Fury Today we are discussing the concentration risk Last week – how the modern banking system acts like dominos failing– Due to their liabilities and obligations to one another this week – look at the other side of the balance sheet – Which is the Equity Holders – Shareholders – who owns the shares of banks Also – the concentration risk that just a handful of companies have in the overall size/weight of the Aus Share Market. Plus – Look at two events that every bank just did as this is a real-world example   Concentration in the index – Complex with lots of elements – break down major ones Remember – Big 4 banks – including Macquarie = 5 of the top 8 companies on ASX by market cap Australian bank shares – ownership and connectivity – beyond the derivative concentration representing 23% of ASX300 - IMF report in 2012: big four controlled 88% of residential mortgages and 80% of deposits. biggest six American banks held 30% of total deposits not just banking: the big four own 53% of life insurance premiums, 57.3% of retail investment funds through bank-owned platforms – Insurance and investment sides to banks also purchase shares on the ASX – of which they make up a large chunk This can just further increase the concentration risk of markets – if an investment manager owns 5% of a share and sells, that moves the prices down – a lot – average daily volume is about 0.15% - both buys and sells - Beyond banks owning their own shares directly – Subsidiaries – Investments, Banks – through super funds, investment managers, insurance companies – either buy them through own subsidiary or another bank – Super funds (investment managers) – Industry/index funds – hold shares on the ASX - Example – Aus Super – Balanced fund has $100bn in it – 22% allocation – range of 10-45% ASX market cap – $1.6-$2trn depending on the market cycle – $2trn now, but $1.8trn middle ground What can easily lead to a downturn in the share market? What if you have $2.8tn across all super funds – plus $100bn inflow p.a. – and super investment managers decide to dump the ASX? –strategic ‘rebalancing’ or ‘profit-taking’ If the target is 25% to AS – a drop in exposure by 10% down from 35% - selling shares/index – ASX $2trn – a sale of a super fund in Aus shares by 10%, sale of 14% of shares held on the ASX – that is a lot of power to move a market – top 20 super funds have around $1.3trn of the super investments also a lot of power in the property market - cover more in another episode Names on the list – Broken up between Public Sector, Industry or Retail (banks) – Pretty equally split in % of top 20 Of the retail funds – about $420bn in 8 – Bank Subs or non-bank financial services MLC Super (NAB), CFS Super (CBA), Retirement Wrap (BT), OnePath super – ANZ AMP super – 2 funds, IOOF super, and Mercer (owned by USA insurance company – Marsh & McLennan) Bank Major holdings – Blackrock entities – 3 of the top 10 for every bank but NAB – ‘Advisors, Management, UK’ Macquarie has about 7% of its shares But this is who the owners are – banks use custodial holding companies – HSBC, JPM, CitiGroup – 40-55% between 3   Beyond just being investors in one another and Concentration through connectivity and custodial power – Banks are Counterparty to each other – either a lender/borrower to one another – derivatives last week example of one side But big 4 banks are highly interconnected - each other’s largest counterparties – nobody else is big enough the connection is far from direct ownership of shares – but banks borrowing from each other, rather than owning large parts of each other – Balance sheet has assets and liabilities – Under lending laws – lenders get paid back before investors If a bank borrows another money, and one bank goes out of business – banks get any money first – shareholders probably get $0 – when you look at the size of the loans to overall ‘equity’ Thankfully for them – the global markets and companies are just as easily reached as domestic ones – financial services can fall under free trade Not so good for us – as when a banking crisis happens in USA – we get hit just as bad Requiring each other – as there is so much money needed only one of the other big four can normally help Banks fund costs through short term debt securities – why hold cash – when you can use it to lend at 3.5% and borrow at 1.5% interest – like funding your lifestyle on CC and investing the rest of the money – then trying to repay the debt using your investment earnings – doesn’t work unless you can consistently get over 22% p.a. returns on an investment to outpace the accumulation of debt – but if you got 22% investing, and card was 2% - who wouldn’t do that? When there is a crash in the banking system – hard to fund expenses as nobody wants to lend to you – GFC – Called liquidity crisis – but in reality, was an insolvency crisis – two different things – as banks don’t even have the assets to fund any ‘bank runs’ Further hastens the decline in share values due to cashflow losses – rule of business: cant meet expenses = bankrupt If you look at a banks balance sheet – almost worthless – Shares themselves in Banks are insolvent in values – DB had total assets of 1.541 trillion dollars and total liabilities of 1.469 trillion dollars – difference of $72bn is in shareholder equity CBA – Total assets $975bn – liabilities at $907bn – What is lest is shareholder equity – 7% of assets WBC - Total assets $880bn – liabilities at $815bn – $64.5bn left or 7.3% of assets Most banks run on this margin - Hsbc – massive value of assets - $2.56 trillion total assets - Remember – Loans to you are assets to banks – if you borrow = liability Banks values come from the ability to make money – Price is What we will pay for shares Bank shares – Total equity or market cap – or what shares are worth on market prices CBA - $146.5bn – 7.4% - Shareholder Equity (book value) - $67bn – Banks assets minus liabilities WBC - $99bn – 5%, ANZ - $80bn – 4%, NAB - $75bn – 4%, MQG - $42.7bn – 2% But if they lose a small margin in assets = no equity left – Regulators aware – hence the recent issues of debt and equity   These are becoming heavily controlled – legislated – APRA forcing banks to increase their reserve capital – money against loans This is done through issuing ‘Subordinated notes’ - this is part of the Bail-in regulations that are being put into place Issue debt – they call it bonds – but notes with provisions of write off if APRA determines it is necessary Reason for doing this? Banks liquidity - Issue equity – raise money from creating new shares and converting them Balance sheet 101 – if someone buys your debt (i.e. you borrow money) – if your assets don’t go up to match it = negative This is where the balance sheet of a bank best maximises its profits when it gets as close to 0% net assets reflect But if they issue debt, they need equity to balance the books – this is where shares are issued to counteract major Banks are doing both – creating new shares and selling them in chunks – to other banks/financial companies – issuing billions of $ in shares to the other – SIBs or SIFIs (terms in the big to fail eps – where to invest and where not to) Issuing shares where the trading can be legislated – ban sales – easier to do than the unpopular approach of shutting the market down - But newly created Common Equity Tier 1 capital to offset the increased liabilities – which are used as capital reserves – but dilutes the number of shares – unless profits grow by more, dividends suffer   Where value comes from? – Future cash flows and profits – Based on debts and leverage – Profit from both ends –   Investment firms buy bank shares – Or new corporate debt in banks if they are fixed interest managers – Odd thing – Banks were told by APRA to raise $500m (approx.) in reserves – But they seem to be quadrupling Debt in USD – by CBA, NAB -, $1.5bn - WBC - $2.25bn USD, ANZ – strangely has in AUD floating – well issues new FPO shares and the buyers were themselves and JP Morgan NAB – Just Citigroup Global Markets alone - 38m shares - $26.28 = $1bn to offset the notes   Probably going to be costly – Interest payments on this – dilution of profits for dividends to existing shareholders The solution to holding more on the balance sheet as ‘capital reserves’ = fund it with debt that can be traded away in the future - Does this make sense? Remember – you are giving them $1,000 upfront – so if the notes go to $200, or are converted at that value, or not honoured – which is allowed if 5 days pass without the conversions occurring upon APRA notifying a bank - The complex connections don’t end there – a lot of these conversion laws are regulated in US laws – USD face values   At this stage, looks to be a similar lead up to pre-GFC – Instead of MBS – debt products with mortgages as backing assets - Now with bail-ins you take investor money for debt, which can then be written off if APRA determines a bank may become non-viable While you may not directly own these notes – A lot of the retail and industry Investment managers are the largest holders of banks – and also banknotes – through super or some index funds, you are indirectly invested in these Ongoing protection racket – protection that is provided isn’t for the individual investors - if it works once, may as well give it another go Lead into next episode – what are super funds doing with your money? Holdings - https://www.marketscreener.com/COMMONWEALTH-BANK-OF-AUST-6492243/company/   Thanks for listening to today's episode. If you want to get in contact you can do so here. 

In this episode we go Balls 2 The Wall about Secret Societies! We discuss the theory of Secret Societies controlling the world while also digging into some of the more well known Secret Societies. We then dive into Cody's veiws AS a Freemason, who they are and what they are set out to accomplish. 

Welcome to the On the Money Podcast, your weekly run down on all things financial. On the show this week: what is happening with the IOOF? The financial advice company IOOF is in hot water after APRA’s action wipes over $900 million off the share market, and with their Managing Director and Chairman facing court over claims of mismanagement. These annoucements could not have come at a worse time as the company is planning to purchase ANZ’s superannuation business, OnePath Super, later this year. The two Directors have since been removed, and the new CEO, Alan Griffith, is asking the public to trust them once more. All indications are that the deal will still go ahead – but should it? Daniel Elison discusses the latest developments with Jerry Parwada, Professor of Finance at UNSW and AGSM Fellow. On The Money premiers their brand new segment – Hot Off The Press – wherein our producers give you the lowdown on all the hottest finance, business and economics events and new media. The segment launch features an interview with Dominic Kelly, author of Political Troglodytes and Economic Lunatics, who sits down with producer Veronika Aleshina to discuss the history of Australia’s industrial relations, and the evolution of the Hard Right, neo-liberal attitudes we are witnessing play out within our economy today. Also on the show: how do we improve accessibility to peer-reviewed academic articles? Guest producer Michael Lester from Northern Beaches FM speaks with Professor Virginia Barber from the Queensland University of Technology interrogate the peer-review publication business model. Producers: Daniel Elison Veronika Aleshina Executive Producer: Roderick Chambers Enjoying our show? Follow us on Twitter, Facebook and Instagram for our latest updates.

Episode for 11 December 2018. I talk about the IOOF resignations, the death cross on the S&P500, the 5G spectrum auction results, ASX Sell off and the Brexit drama overnight. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/australianmb/support

Episode for December 10, 2018 - I talk about the home loan environment, the new regulatory environment, the sell off in the US at the end of last week and the new oil cartel environment --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/australianmb/support

#256 A Brief History of IOOF in Texas with Al Bicking - Texas Original Conversation from Dallas to Waco.  A Brief History of Odd Fellow in Texas and much, much more! This Sat Oct 6! Odd Fest in Historic downtown Waxahachie- Oddfest 2018 20+local artists, live bands, food, and fun for the whole family!   Conversation from Dallas to Waco. A Brief History of Odd Fellow in Texas and much, much more!   www.mxpx.com for all things follow@MikeHerreraTD on Instagram or Twitter   Listen to the new album on Spotify, Apple Music, or wherever you stream your tunes!  Shop at Merch Arsenal

Tom Crampton (@trustedimpact) is a cyber security expert at the helm of his own company Trusted Impact. For the past decade, Tom has been helping some of Australia’s biggest and most well-known companies protect their digital information and remain secure online. As a consulting firm Tom and his team work regularly as hackers to first expose business weak points before then helping them implement solutions, plug holes, shore up and protect their most valuable information. Tom’s clients include the Australian Government, World Vision, Victoria Police, Clarke Rubber, McMillan Shakespeare, Rinnai, The University of Melbourne,  IOOF, Telstra, Oxfam and many, many more. In our chat, we covered several aspects of cyber security, including: how to protect yourself online the psychology of cyber criminals, how and why they target who they do the fastest way viruses spread over the internet including how to avoid them how Tom uses the Pineapple (a digital intercepting device) to grab sensitive information out of thin air, and how to create a good password and where to store it.   You can find Tom and more information about his company Trusted Impact at his website trustedimpact.com.au. To get every episode of Trench Talk on release please remember to hit the subscribe button in your chosen podcast player. Enjoy Trench Talk Episode #021 with Tom Crampton…   ---- Show notes and links for this episode can be found at xrm.com.au/podcast. Feel free to email me with any suggestions or feedback to podcast@xrm.com.au. You can find Matt Reynolds on Facebook, Instagram, Twitter and on LinkedIn.