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Investors in the education sector have focused on threats from generative AI, but may be missing the potential for greater efficiency and new opportunities in workforce reskilling.----- Transcript -----Welcome to Thoughts on the Market. I'm Brenda Duverce from the Morgan Stanley Sustainability Research Team. Along with my colleagues bringing you a variety of perspectives. Today I'll discuss the potential impact of generative AI on the global education market. It's Tuesday, November 28th at 10 a.m. in New York. When ChatGPT was first introduced, it disrupted the education system with the threat of plagiarism and misinformation, and some school systems have banned it. Some companies in the educational technology space were initially affected by this, but have since recovered as the risks have become clearer. Still, investors appear to be overly focused on the risks GenAI poses to education companies, missing the potential upside GenAI can unlock. From a sustainability perspective, we view GenAI as an opportunity to drive improvements to society in general, with education being one core use case. We would highlight two areas where GenAI will be key. One, in improving the overall education experience and two, in helping to reskill or upskill an evolving workforce. Starting with the quality of the education experience, GenAI has the potential to transform learning and teaching, from automating tasks with chatbots to creating adaptive learning solutions. Applications such as auto grading, large language model based tutors and retention management can drive efficiencies and increase productivity. We see efficiencies driving $200 billion of value creation and education over the next three years. In the fragmented education market, we expect lower costs to flow through to prices as companies pass along cost savings to maximize volumes. The second key area that we highlight from a sustainability angle is the reskilling and upskilling of the workforce. We think the market may be under appreciating the role education companies can have in this respect. Many fear that GenAI would lead to substantial job losses in various areas of the economy, and the market sometimes assumes that job loss leads to permanent displacement of workers long term. But we argue this isn't necessarily true. Workers typically re-enter the labor force with an updated skill set. Take, for instance, the introduction of ATMs and the concerns that ATMs would replace bank tellers and lead to significant job loss. This didn't prove to be the case. Over time, there were fewer tellers per bank branch, but the overall number of tellers continued to rise. Furthermore, the bank teller role evolved as customers sought a better experience and bank tellers responded by reskilling. Another example of this type of disruption was the introduction of the spreadsheet in the accounting industry. Many argued that spreadsheets would replace accounting jobs. However, data from the Bureau of Labor Statistics indicates the opposite, the number of accountants and financial managers rose significantly. When it comes to reskilling or upskilling workers impacted by GenAI, we think this could cost somewhere around $16 billion within the next three years. Thanks for listening. If you enjoy Thoughts on the Market, please take a moment to rate and review us on the Apple Podcasts app. It helps more people find the show.

Are Americans getting lazier? Recent analysis shows that the work-at-home movement is resulting in reduced productivity,  fewer hours worked, and less tax revenues in bigger cities. The Bureau of Labor Statistics study--published recently--says that stay at home workers average only 5.7 hours of work per day, while in office workers average 8.2.  Some very interesting facts and trends are developing--we'll review them in the Market Intel Segment.  Then, some interesting facts about election interference. A timely show you don't want to miss...MASTERING MONEY is on the air!!!

  Landaas & Company newsletter  November edition now available. Advisors on This Week's Show Kyle Tetting Art Rothschild Steve Giles (with Max Hoelzl and Joel Dresang engineered by Jason Scuglik) Week in Review (Nov. 13-17, 2023) Significant Economic Indicators & Reports Monday No major announcements Tuesday Inflation continued to slow in October, thanks in part to lower gas prices. The Bureau of Labor Statistics reported that the Consumer Price Index, the broadest measure of inflation, was unchanged from September and up 3.2% from the year before. That was the smallest 12-month increase in the index since March 2021. Although it continued to exceed the Federal Reserve long-range target of 2%, it was down from a four-decade high of more than 9% last summer. The core CPI, which strips out volatile food and energy prices, rose 4% from October 2022, the lowest gain in more than two years. Wednesday Inflation on the wholesale level declined in October, according to the Producer Price Index. The gauge fell by 0.5% from September, led by lower prices in goods, chiefly energy products, the Bureau of Labor Statistics reported. The one-year wholesale inflation rate was 1.3%, down from nearly 12% in the spring of 2022. Excluding volatile costs for food, energy and trade services, the so-called core Producer Price Index rose 2.9% from October 2022, down from almost 9% in the summer of 2022. Retail sales receded in October for the first time in seven months. Sales fell 0.1% over all with seven of 13 categories reporting lower sales, including car dealers, gas stations, furniture stores and home-and-garden centers. Sales aren't adjusted for price changes, so lower prices at gas stations factored in. Bars and restaurants added sales for the seventh month in a row. Since October 2022, total retail sales rose 2.5% while bars and restaurants increased by 8.6%. Adjusted for inflation, retail sales were down 0.2% from September. Thursday The four-week moving average for initial unemployment claims rose for the fourth week in a row to its highest point since September, according to the Labor Department. The measure was still 40% below the 56-year average, suggesting the relative tightness of the labor market. Total claims rose 0.2% in the latest week to more than 1.6 million, which was 27% higher than the year before. The Federal Reserve reported a slight decline in industrial production in October, the first setback in fourth months. Strikes at automotive plants resulted in a 10% drop in that sector's output from September, the Fed reported, accounting for much of a dip in manufacturing production. As a result, total industrial production declined 0.1% for the month. If not for the auto makers, total production would have gained 0.1%, according to the Fed. Industries' capacity utilization rate, an early indicator of inflation, edged down to its lowest level since June, remaining below the 50-year average for the 12th month in a row. Friday More than a year and a half after the Fed began raising interest rates, housing construction data continued to show a pause in October. The annual pace of building permits and housing starts rose slightly, remaining near pre-pandemic levels but down from accelerations in 2021 and 2022. A report from the Commerce Department showed new authorizations and new construction for single-family houses outgaining  multi-family projects. The rate of housing units under construction slowed marginally in October but stayed near the highest on record, based on data going back to 1970.  MARKET CLOSINGS FOR THE WEEK Nasdaq – 14125, up 327 points or 2.4% Standard & Poor's 500 – 4514, up 99 points or 2.2% Dow Jones Industrial – 34947, up 664 points or 1.9% 10-year U.S. Treasury Note – 4.44%, down 0.19 point Not a Landaas & Company client yet? Click here to learn more. More information and insight from Money Talk Money Talk Videos Follow us on Twitter.

This episode is the second part of a special focus of the Georgia Tech Research Podcast on the 50th anniversary of Section 504, the federal law that became the Americans with Disabilities Act (ADA). The host of this episode, J. Denise Johnson Marshall, ADA Compliance Coordinator at Georgia Institute of Technology, calls this series “a very special podcast for us at Georgia Tech.” The guests for this episode are representatives from Georgia Tech's Employee Relations Dept., Captioning and Description services, the CARES Employee Resource Group, and the Excel program. This episode is in conjunction with the creation of a special award at Georgia Tech.  As a part of Georgia Tech's commemoration of the 50th anniversary of Section 504 of the Rehabilitation Act of 1973, the Office of Equity and Compliance Programs – ADA Compliance established an award called Advocates for Accessibility. The Advocates for Accessibility award recognizes individuals who have actively worked to improve accessibility for people with disabilities in the Georgia Tech community.   The guests for this episode are representatives from Georgia Tech's Employee Relations Dept., Captioning and Description services, the CARES Employee Resource Group, and the Excel program. Thank you to our guests from Georgia Tech's Employee Relations Dept.(Langston Jackson), Captioning and Description services (Sheryl Ballenger), the CARES Employee Resource Group (Asha Hagood), and the Excel program (Kenneth Surdin), and our host Denise Johnson Marshall.   TRANSCRIPT: Announcer This is the Georgia Tech Research podcast presented by GTRI. Join us as we move forward one research story at a time.   Announcer The views represented in these interviews do not reflect the views of the organization. They are anecdotal views of individual experiences.   Eric Klein Welcome to the Georgia Tech Research Podcast presented by GTRI. This podcast highlights research and opportunities around Georgia Tech and the Georgia Tech Research Institute. Today's episode titled Beyond Compliance is in recognition of the 50th anniversary of Section 504. This is the Rehabilitation act, which became law in 1973. My name is Eric Klein and today's host is Denise Johnson Marshall.   Denise Johnson Marshall Welcome to the Beyond Compliance Podcast. I'm your host, Denise Johnson Marshall, Director of Equity and Compliance Programs and also the Institute ADA Coordinator, and I'm part of the Office of Equity and Compliance Programs. Today we'll be highlighting the individuals that are behind some of the services that you may or may not know about at Georgia Tech and GTRI that help to impact the lives of individuals with disabilities. Today you'll hear from employee relations, captioning and description services, the CARES Employee Resource Group, and finally, the Excel program. Let's take a break from this podcast to listen to more about departments that we want you to get to know.   Asha Hagood Get to know CARES ERG the CARES at GTRI Employee Resource Group is an inclusive community for employees who identify with having a visible or invisible disability, caregivers for individuals with disabilities, and allies of the community. Our mission is to create space for issues around accessibility by amplifying the conversation around accessibility inequity and by providing educational opportunities around accessibility compliance. We're seeking to grow our membership and have several cochair positions that could use your ideas and your voice as we gear up to provide information sessions and other fun events. If you're interested and are an employee at GTRI, please reach out via our contact form on Webwise. Cares and other ergs are listed there under the Communities tab.   Denise Johnson Marshall Now that you know a little bit more, it's time to get back to the podcast. Our first guest for the Beyond Compliance podcast is Langston Jackson. Langston is the HR Compliance Coordinator for Employee Relations on our campus. Welcome, Langston.   Langston Jackson Thank you for having me.   Denise Johnson Marshall Can you briefly tell us the role of your office and briefly your responsibilities?   Langston Jackson My office has several responsibilities. One of them includes the administration, Americans with disabilities reasonable accommodations process for employees. We administer that. The office is also responsible for coordinating the development of the Institute's Affirmative Action Compliance Program, as well as the administration of the university's impartial board of Review Appeals process and Procedures.   Denise Johnson Marshall That's very interesting can you tell us a little bit about what elements of an employee's job responsibilities do you consider when you're considering reasonable accommodations? And also, could you define that a little bit for us? What are reasonable accommodations?   Langston Jackson So under the ADA, a reasonable accommodation is basically a modification or adjustment to the job or the work environment that allows a person with disability to still perform the essential functions of their job. The essential functions are the major components of the job duties. Minimal parts of the job duties are not considered essential functions. It is the functions that take up a large part of the job aspects.   Denise Johnson Marshall Do you have any examples of that?   Langston Jackson Yes. For example, individual that's a courier, their essential functions may include driving, whereas your most administrative functions would not include that. That would be in office work. Accommodation for a courier would have to take into consideration driving requirements, whereas most individuals, they don't understand that ADA does not contemplate how they get to and from work. So what the ADA does take into consideration is the essential functions that they're taking when they are working.   Denise Johnson Marshall So who decides what is essential? What isn't essential? You had an example of a carrier, and it may be essential to be able to get back and forth as far as those other types of tasks. Who decides what is essential?   Langston Jackson What will happen in the accommodations process? My department will send a request for essential functions and job analysis forms to be completed by the employee supervisor. We typically ask that they return those documents to us within five business days. Those forms break down into percentages what the job duties are. We ask that they give us at least four and that the supervisor breaks them down into percentages for us to review and to consider in the accommodations process.   Denise Johnson Marshall So what should an employee with a disability expect when they're going through this process?   Langston Jackson It's an interactive process. It requires give and take from the employee, the department, and from our office. We obtain the essential functions in the job analysis forms, and a key component is another form called the medical certification form. That form gives us what the condition is. It gives us an idea if this is a temporary or permanent condition. It lets us know what the limitations are for the individual, and it also gives us recommendations for the accommodation for the employee that will help them best perform the essential functions of their job.   Denise Johnson Marshall What type of guidance does your office give to the Georgia Tech larger community, such as maybe supervisors or HR business partners?   Langston Jackson With regards to our interactions to supervisors and the HR business partners, we first and foremost try to make sure that they are aware and are sensitive to the accommodation for the employee. What we like to do with all of them is to ensure that we've gone over the process and the Americans with Disabilities act with them so that they understand certain requirements and certain things that the department will have to supply to the individual. What we often find is that individuals that haven't gone through this process before, we explain everything with regards to the essential functions, the medical certification form, and then we like to go over any questions that they may have. It's really a give and take. At the end of the day, we try to establish that the department can make their recommendations as well, and we're letting them know also what the employee is asking for.   Denise Johnson Marshall So what is the best way for an employee to contact you if they just have questions or they want to get the process started?   Langston Jackson Anyone wishing for additional information may contact the office at employe-erelations@ohr.gatech.edu. Again, that's employee-relations@ohr.gatech.edu. They can contact me directly by email at ljackson98@gatech.edu.   Denise Johnson Marshall As our listeners may or may not be aware, we are also celebrating the 50th anniversary of the Rehabilitation act of 1973. With that in mind, are there any final thoughts that you have on your office's mission and goals?   Langston Jackson As we're celebrating the 50-year anniversary of the Rehabilitation act of 1973, we recognize the many strides that have been made and that there are many more that we still can improve upon for employees with disabilities. My office is proud to continue in advancing this work forward and here to assist and guide all employees at Georgia Tech with the provision of reasonable accommodations.   Denise Johnson Marshall Langston, thank you so much for taking the time out to briefly talk about your office and what you do.   Langston Jackson Thank you all for having me. Thank you for all that you do for the employees here at Georgia Tech.   Denise Johnson Marshall Let's take a break from this podcast to listen to more about departments that we want you to get to know.   Kendra Brown Get to know the center for Inclusive Design and Innovation the center for Inclusive Design and Innovation, also known as CIDI, is housed within the College of Design at Georgia Tech. The accessibility experts at CIDI have decades of experience in user centered accessibility research and delivery of services to help individuals with disabilities. CIDI's overall mission is to improve the human condition through equal access to technology based and research driven information services and products for individuals with disabilities. With its rich history of providing accessible solutions to an underserved community, CIDI has positioned itself as a leader in accessibility and inclusion. CIDI is committed to promoting technological innovation and addressing unmet needs by providing accessible and inclusive environments for all. Maintaining dynamic partnerships with universities, state agencies, publishers, nonprofit groups, and corporations allow CIDI to continue to expand its expertise and further advocate for accessibility in Georgia, across the country, and internationally. For more information about CIDI, you can visit their website at www.cidi.gatech.edu or you can contact their customer support team by phone at 404-894-7756.   Denise Johnson Marshall Now that you know a little bit more, it's time to get back to the podcast. Our second guest today is Dr. Sheryl Ballenger. Dr. Ballenger, thank you so much for being a part of our second Beyond Compliance podcast.   Sheryl Ballenger Thank you so much for having me. I'm excited to be here.   Denise Johnson Marshall Dr. Ballenger is the Manager for Deaf and Harder Hearing Services as a part of the center for Inclusive Design and Innovation here at Georgia Tech. Dr. Ballenger, can you briefly tell us about your role within CIDI and your responsibilities?   Sheryl Ballenger Yeah, I'd love to. I am Manager of our captioning and describe media services as part of CIDI. This is a unit that started in 2011 when CIDI was interested in entering into being able to provide services for students who were deaf and hard of hearing. My background being an interpreter for the deaf one point, and also with a degree in deaf Education, made it a good fit for me. We were able to then begin having captioning for classes for students in different colleges across the Board of Regents, as well as captioning videos that were used in educational environments. First series that we actually captioned was a welding series for one of the technical community colleges in Georgia.   Denise Johnson Marshall That is very interesting. When we often see captions or audio descriptions, we know that it's there, but we really don't understand what it takes to get there. Can you tell us a little bit about that process?   Sheryl Ballenger Sure. First of all, we're going to look at video captioning or caption Media, whichever way you would like to phrase that. Basically, that involves media access. Most of the media that we do work on is for education purposes, but we also serve nonprofits and other groups that post media to their websites and want those videos captioned. There's also speech to text systems and there's two main ones that are used. The first would be CART. CART, and that stands for communication access, real time translation. This requires a skilled stenographer who's using a stenotype machine and is writing at a near verbatim speed. No matter how fast the speaker is speaking, they're keeping up with them. And then another speech to text system that we use is called either Cprint, the software or Typewell. This type of captioning is meaning for meaning. The Cprint software was developed by National Technical Institute for the Deaf. They developed the Cprint software about 20 years ago or so in a way to make sure that there was a meaningful way for captions to happen for deaf students. The Cprint software actually uses a qwerty keyboard and is something that most people already have skill with to be able to provide once they do CPrint training.   Denise Johnson Marshall How do you know what is appropriate to use in which instance   Sheryl Ballenger That's determined by the user. If a student attending college will consult with their disability services office together, they, with their disability services coordinator can work out which would be the best for their use. CART does require near verbatim English skills, so that would be somebody who is a very strong reader and who can read to learn. And that's a different skill than just reading for enjoyment. Reading for learning is difficult for some people and then Cprint because of the way it was created by the technical institute for the deaf, because it's developed for a meaning based representation of what's spoken, is typically more of a form that's understandable by people who don't have the ability to really learn everything from reading and want to see that language put in a way that's more understandable. Transcripts are also available for both services, CART or Cprint, so they also kind of serve as a double accommodation so a student can have real time access with CART or Cprint, plus they get notes afterward that they're able to then use for studying later on. You kind of mentioned audio description. It's not really one of the speech to text systems at all, or captioning, but it is used on videos. Audio description is visual information that describes the action, what's being shown on screen, what graphs may include, that kind of thing.   Denise Johnson Marshall So if I'm a department and I have an event and I want to get it captioned, what would be some of the things that I would need to take into consideration? More specifically, what is the difference between closed captioned and open captioned?   Sheryl Ballenger Well, if you're planning an event, first thing you're going to want to do is put out a statement letting your participants know that you're going to have accommodations available. Usually one of those accommodations would be we're going to offer captioning, and when it's an event, it's usually cart because that's more near verbatim and that's what most of the audience is going to prefer not just people who are deaf and hard of hearing. Use cart people who need a little more support to understand what's going on, use Cart as backup for listening once it's determined that Cart is going to be provided as a coordinator or event planner, then you would need to contract with an agency that supplies cart. Once you have contracted with an agency that's going to supply your cart, you're going to need to make sure that the event, whether it's online or in person, has good audio and connectivity for connecting. If it's going to be with a remote service provider. In most cases, that's going to require testing in the beginning just to make sure that you are connecting and that the audio is nice and clear and that the cart captionist is able to understand and hear clearly.   Now you asked about open or closed captioning. Those terms refer to the video captioning or caption media. When video captions are created, the choice is closed or open. Closed captioning means that the user will need to turn those captions on or off. If they choose to use them, they'll turn them on. So YouTube provides a way for turning captions on on a video. Televisions and things that people view screens always have a way to turn captions on or off. But in some cases, when you're showing videos that may be projected on a screen that are used for general information purposes, captions for those need to be open. So open captions are always there, they're burned onto the video. Those captions are not chooseable. You can't turn them off or turn them on.   Denise Johnson Marshall How much time does it take for audio description and what does your team do.   Sheryl Ballenger Regarding the time of how long it takes to have a video captioned or to set something up, or to have audio description added to your video. Video captioning that is accurate starts with a transcript, a correct transcript with punctuation, correct spelling, speaker identification and sound effects if there are any in the recording. Typically, that takes seven to 14 business days. For us at CIDI, section 508 calls for captions that are accurate and synchronized. That means there can't be anything that's not correct in the captions. For audio description, we start with viewing and writing a script of the action or visuals that may be in a film. The script is revised several times to ensure that it is both succinct and that it conveys the essence of the scene that is appearing on the film. Then placement of the lines in the script is determined. We don't want to make a video become longer or too much longer than what everyone else is going to view? Because that wouldn't be fair. We have to find places to fit the description in in the nonadio segments to make sure that audio described film meets our standards and what we want to see. As far as good audio description, that typically takes three to six weeks or so depending on the length of the video and the content.   Denise Johnson Marshall Can you tell us what is the difference between automatic captioning that you may find on a lot of video conferencing platforms versus real time captioning?   Sheryl Ballenger Accuracy is important here. If you were having a low stakes meeting, maybe it's just a small group. The employee is very familiar with everything that's going on in the unit, knows all of the types of systems that are used. This is not a training event. This is just a conversation that's going to happen between employees. Then that might work for using an automatic type captioning service such as something that's included in Zoom. But if you're talking about high stake settings, then the auto generated captions are not appropriate. The problem with auto generated captions is that they do strive for the best guess. If it didn't quite comprehend a word, the system didn't understand the accent of the speaker. It's just going to throw in a word that makes sense in that sentence. But that may not actually be what was spoken and it could actually lead somebody to understand the wrong thing. When we did some tests on some of the auto generated systems that are used in the US, the very best platform scored at 89% accurate. That means that 11% is still inaccurate and it's not fair to the user who's depending on these captions to miss out on 11%.   Denise Johnson Marshall What is the best way to learn more about captioning, audio descriptions or just ways to make your content more accessible?   Sheryl Ballenger The best thing you could do is to just use it. When you watch YouTube videos, turn on the captions if you create content of your own and post to YouTube. Google Help has information where you can learn how to caption your own videos and you'll actually be contributing to the media that's more accessible for everyone. When you do that, you can attend movie theaters that offer caption devices. They even have described audio devices that you can check out from the customer service area and listen to during the movie. All television and subscription service broadcasts now have captions. Most of the subscription services also have descriptions added.   Denise Johnson Marshall Are there any final thoughts that you may have for the Georgia Tech community on your office and your mission?   Sheryl Ballenger Our mission at CIDI is to improve the human condition through equal access to technology based and research driven information services and products for individuals with disabilities. Part of what we do at CIDI is to make sure that we offer many services as well as we conduct research and accessibility. We also house Georgia's Tools for Life program, which is an Assistive Technology act federally funded program. Part of the fun they get to have at work is to use some of these great assistive technology tools that are available and show them to individuals who are interested in learning more about them. Our website is cidi.gatech.edu. That is cidi.gatech.edu.   Denise Johnson Marshall Dr. Ballinger, thank you so much for being a part of our second Beyond Compliance podcast.   Sheryl Ballenger You are so welcome. I enjoyed being here.   Denise Johnson Marshall Let's take a break from this podcast to listen to more about departments that we want you to get to know.   Kendra Brown Get to know the Office of Disability Services for Students. The Office of Disability Services, or ODS, collaborates with students, faculty and staff to create a campus environment that is usable, equitable, sustainable, and inclusive of all members of the Georgia Tech community. If students encounter academic, physical, technological or other barriers on campus, the Disability Services team collaborates with the students to find creative solutions and reasonable accommodations. ODS, located in the Smith Gall Student Services Building, also known as the Flag Building Suite 123, is passionate about providing support and resource information for students with disabilities at the institute. For more information, visit our website at disabilitieservices.gatech.edu or email us at dsinfo@gatech.edu. That's dsinfo@gatech.edu.   Denise Johnson Marshall Now that you know a little bit more, it's time to get back to the podcast. I'd like to welcome our third guest today to the Beyond Compliance podcast, and it's Asha Hagood. Asha is the Senior Project Support Specialist with GTRI. Welcome, Asha.   Asha Hagood Thank you so much for having me.   Denise Johnson Marshall Can you tell us a little bit about your role and your responsibilities?   Asha Hagood As you stated, I work as a project Support specialist Senior on the Organizational development team, and I lead the team's quality assurance efforts for all of the content that we push out, and I also do some program management within that role. We administrate some great programs in support of employee growth and development, like the Career Link program, Job Rotation, Toastmasters Club, and we sit within the Employee Experience team under GTHR. We contribute to the organization's strategic vision by providing high quality, impactful learning experiences. Things that we develop are primarily for our GTRI audience, but we also support campus efforts. Additionally, I'm the Executive sponsor or Chair for the CARES ERG. ERGs Being employee resource groups, I stepped into that role in May of this year.   Denise Johnson Marshall Can you tell me a little bit more about the CARES Employee Resource Group and a little bit about the mission?   Asha Hagood All of the ERGs were established in 2020 in conjunction with a GTRI 2020 Strategic plan. Overall, mission and purpose of all of the ERGs is to facilitate an inclusive work environment, thereby promoting a sense of community and belonging at GTRI, and to create a shared space to strategically impact change. There are a few ERGs cares is one of six ERGs. Apart from functioning as a beacon for employees who require accessibility solutions, as well as for those who are advocates for the accessibility community or caretakers, I like to think that our mission is to cultivate thought leaders in the realm of accessibility and accessibility awareness. We help provide insights to influence decision makers to keep accessibility front of mind One of our members made the point recently that accessibility provisions and mindfulness may seem like an extra step now, but it could and should become a part of your workflow if you create content or manage people.   Denise Johnson Marshall Can you tell us about some of the resources that you provide to employees with disabilities? What are those specific resources that the ERG provides?   Asha Hagood Our strongest resource right now is ourselves and the lending of our voices for employees who may need them. We're a group of about 25. Some folks might be hesitant to speak up about an accessibility need. They may not want to self-identify or be considered a squeaky wheel, but we'd consider it a win if that hypothetical employee will reach out to cares and ask us what we could do to support them. And that support could look like putting them in touch with resources such as CIDI Centers for Inclusive Design Innovation. They're a tremendous resource. As well as the Georgia Library Service, the GLS is also under the USG umbrella. The GLS serves people who are blind or print impaired. Or I could put them in touch with your office or with Dr. Anne Harris. If they're meeting with resistance or running into brick walls, the support of our group could give them a second wind. CAREs could help move the needle.   Denise Johnson Marshall And, Dr. Harris is the compliance advisor who works with our guests that we had on early Langston Jackson.   Asha Hagood Yes, yes, indeed. We've partnered with Dr. Harris on some initiatives, such as the Self Identify campaign. That was an important initiative. The data that bears out from that initiative can help us to launch some programming that would be meaningful to the folks at GTRI.   Denise Johnson Marshall In the CARES ERG. Do you have meetings or is all the information just found online.   Asha Hagood We have a monthly meeting with our members, and we discuss different initiatives that we want to roll out, and we do publicize that within some channels at GTRI. We do a notice to remind members to attend the meeting and to also invite others who just may be curious to come on and attend the meeting as well. Aside from just using the group as a resource or a touchstone, we've got a tip sheet up on our WebWise intranet site and we're going to add some other content there soon. And we're also going to host a screening of the critically acclaimed film Crip Camp, so stay tuned for that.   Denise Johnson Marshall If I work for GTRI and I'm a manager and I wanted to connect an employee to the group, what would be the best way to do that?   Asha Hagood They can search us up on WebWise. Under the Communities tab, all of the ERGs are listed. We have a contact form there. They could reach out to us via that form, or they could reach directly out to me. Asha Haygood by email or slack.   Denise Johnson Marshall That is great. This is definitely a model for the Greater Georgia Tech as well, and it's a great way for us to close out our 50th anniversary of the Rehabilitation act of 1973. As our final question, do you have any final thoughts for us? Just about your program, its mission and its goals.   Asha Hagood I would like to note that we are looking to grow our membership, so that is always a goal. Every voice that comes on board contributes to more diverse thought and reinvigorates our mission. So we're looking for some co-chairs in a couple of areas, and they would serve as the primary contact for outreach and maintaining partnerships and also community engagement. And they would serve as the primary contact for communications, marketing and those related activities. That's what I'd love to leave you with. And also, I thank you so much for extending an invitation to come and chat. Conversations like these will help ensure that accessibility is a forethought and not an afterthought, as one of our cares members recently stated.   Denise Johnson Marshall Thank you. We're happy to have you. And just one final thing, can you just remind all of GTRI again? What is the best way to get the information on this particular ERG or any of the ERGs?   Asha Hagood To get information on any of the ERGs, you would go to the webwise page, and that's GTRI's intranet. Under the Communities tab, all of the ERGs are listed. If you're interested in ours, you would click CARES Erg and that will take you to our page and our resources and my contact information.   Denise Johnson Marshall Thank you so much. I appreciate your time today.   Asha Hagood Thank you so much again Denise for having me.   Denise Johnson Marshall let's take a break from this podcast to listen to more about departments that we want you to get to know.   Kendra Brown Get to know the Office of Equity and Compliance Programs the Office of Equity and Compliance Programs is here to educate, identify and illuminate systemic and institutional barriers to equity and inclusion at Georgia Tech while creating a culture beyond compliance. Our office provides support and investigates matters involving accessibility compliance issues. These issues can include physical or digital accessibility barriers on campus, disability, discrimination, sexual harassment, and sexual violence. Additionally, we provide resources to pregnant and parenting individuals. As a part of our mission to educate the campus community about our office and the work that we do, we offer a series of trainings and workshops. This is to ensure that our campus partners have the tools to support the institutional strategic plan of expanding access and creating a diverse, equitable and inclusive environment. We invite you to collaborate with us as we work together to build a better Georgia tech. To learn more or submit a report of compliance issues, visit our website at diversity.gatech.edu/equityandcompliance.   Denise Johnson Marshall Now that you know a little bit more, it's time to get back to the podcast. I'd like to welcome our fourth guest to the Beyond Compliance podcast. We have Dr. Ken Surin. Ken is the Director of the Excel Program. Welcome, Ken.   Ken Surdin Nice to be here, Denise.   Denise Johnson Marshall Ken, can you tell us about the area of your role within the CEISMC program and then specifically about your responsibilities?   Ken Surdin Excel at Georgia Tech is a program within CEISMC. It's a four year certificate program for students with intellectual and developmental disabilities, and it falls under the classification of Inclusive post-secondary Education.   Denise Johnson Marshall For those who may not be as familiar, can you tell us exactly what is the CEISMC program? Your overarching program that the EXCEL Program is a part of.   Ken Surdin Within Georgia Tech is the center for Education, Integrating Science, Mathematics and Computing. EXCEL is part of that program. EXCEL was started in 2014 and we had our first group of students, a group of eight in a cohort, begin in 2015. There's about 260 programs across the country that are IPSY programs. EXCEL is one of about 40 4 year programs that offer Pell Grants, on campus housing, inclusive clubs, internships and is designated as a comprehensive transition program by the Department of Education. I am the founding director of that program going into my 10th year. Like a lot of directors across Georgia Tech, I am writing grants and raising funds for program needs and scholarships so that we can make sure that our program is both equitable and accessible to students that may not otherwise be able to afford college and be able to attend Excel.   Denise Johnson Marshall Can you tell us a little bit about the history of the Excel program at Georgia Tech, and then also a little bit about some of the other similar programs in higher education that we may have modeled ourselves after or we've exceeded the expectations.   Ken Surdin Great question. Excel was birthed out of the College of Business by Terry Blum, who was the former dean of the College of Business and the founding director of Georgia Tech's Institute for Leadership and Social Impact. Also, Professor Cyrus Auiden from the School of Mechanical Engineering both had a son and a daughter who had an intellectual and developmental disability, and they saw this growing movement across the country of inclusive programs and they thought, Georgia Tech has a standard of excellence. Why not have a program at Georgia Tech that could be as good and hopefully better than any of the other programs that existed out there? They really helped birth the program and then they hired me about a year in advance of having any students on campus to develop all aspects of the program. I had a year to do it and work under the structure of being a pilot program under the provost office. That really is the incubation of EXCEL. Also say that what makes us unique is that most programs like EXCEL across the country are housed within special education centers within a university or college, and they're typically liberal arts institutions.   Ken Surdin Georgia Tech is not a liberal arts institution and the fact that we came out of the College of Business and are now in CEISMC really shows how entrepreneurial the mindset was in creating EXCEL. In fact, all the staff and faculty that are involved with EXCEL have used design thinking to develop the courses, to develop competencies and curriculum and measurement of our outcomes so that we can track individual students progress, students as a cohort's progress, and also our program's progress to make sure that we are constantly under a continuous improvement model. I think that really sets us apart in terms of the programs across the country is the fact that we're tracking what we do, throwing out what doesn't work and improving what does.   Denise Johnson Marshall It also sounds like an asset to have that type of thinking with this program. If there is a student out there who wants to work or volunteer for this program, can you tell us how they could do that? And then also, what does the whole selection process look like?   Ken Surdin Absolutely. We have a full-time mentor coordinator. His name is Luke Roman. He's been with the program for six years. He helps recruit students to work with our students as mentors and coaches. He will take a phone call or an email. You can reach out to him. You can reach out through our website and find out more about how to be involved with the program. I'll also add that the feedback from many of our mentors over the last nine years has been that the experience has helped them in their co-ops and their internships and also gain employment after they graduate. They've been told that employers often ask them about their EXCEL experience, and the reason is that employers are looking to hire people that are collaborative, that can work in groups, that can work with people that may see the world differently, and who are able to quickly understand when somebody may not understand something they're saying and pivot and rephrase what it is they say so that they communicate clearly. They believe that working with EXCEL students has taught them how to do that. Another thing I'll add is that Georgia Tech degree seeking students are the hiring managers and employers of the future, and the fact that they're working with our students means that one day they may be in a position to hire them because they're aware of their gifts and their capabilities and their assets can help carve a job that might be appropriate for them.   Denise Johnson Marshall Sounds like a great asset to be located exactly where we are. Through your ten years of being the director of EXCEL, what would you say are the top three experiences that participants have said have been the best part of their time with the program?   Ken Surdin I would point to students talking about gaining greater independence and independent living skills by living on campus or in many cases, private dorms just off campus, being involved in the community of Georgia Tech, gaining friendships within the program among mentors, improving their social skills, which is an asset for gaining employment, something that we do through an evidence based social skills course that we teach and in which degree seeking students act as mentors. Employment and the opportunities that they gain through their internships on and off campus are something that students get really excited about. And finally, convocation or the graduation ceremony, which is really the cherry on top for all of our students.   Denise Johnson Marshall What does EXCEL's Career placement program look like?   Ken Surdin Great question. I'm glad you asked that. We have three full time career advisors staffed at EXCEL faculty and staff. They teach career courses starting the first semester that a student arrives on campus. Students do internships every semester after that at a minimum of seven internships. Give you an example. I had a cohort of eleven students graduate and they had 96 internships between them by the time they graduated. Their students are taking career courses, participating in internships on campus, at Barnes and Noble, at CIDI, at the Dean's office. They're also participating in internships and paid jobs with over 100 employers that we work with, the Center for Disease Controls, National Center on Birth Defects and Developmental Disabilities. I've had two students intern there. I've had four students intern at Georgia LEND. I've had students intern at Fulton county government, and on and on and on. I could talk about the internships they're involved in. Another thing I'd like to add that sets Excel apart from many programs is that we actually track our graduate employment outcomes from year to year. 93% of our graduates are currently employed. If you look at Bureau of Labor Statistics for 2022, only 21.3% of people with any disability were employed in America, and it was about 19% for the population that we serve intellectual and developmental disabilities.   Ken Surdin The fact that we're at 93% shows that our students are motivated and capable of working and that opportunities need to be put before them so that they can show those capabilities and be participants in the world of work and their communities at large.   Denise Johnson Marshall Are there any final thoughts that you want the Georgia Tech community to know about your program and your mission?   Ken Surdin Yeah, sure. Our mission is Excel at Georgia Tech, providing an innovative, inclusive college experience for students with intellectual and developmental disabilities, awarding professional education certificates, and preparing students for employment and fulfilling lives. One of the other aspects of the program that's really important, especially when it was being founded, was that Terry Blum and Cyrus Aidun wanted to make sure that the program fit within the strategic mission of Georgia Tech as a whole. Improving the Human condition was front and center, and this program definitely supports Georgia Tech's mission and their values and their ethics. One thing that many programs don't do, that we do is provide a whole year of transition courses to prepare students for life after college that cover seven key areas of transition. So, for example, housing. Where are you going to live? Transportation. How are you going to get back and forth to where you live and to your job? Where are you going to work? Health and wellness, Technology. Just some of those, to name a few. But we work on developing a plan for the students, also working with the families to understand what level of support the students will need when they graduate so that they can succeed in the world after college.   Ken Surdin I often say that we are preparing our students for the world of work and to be full participants in their community. But the world of work and communities are not prepared for our students. If you enter with a disability in our program, you're exiting with a disability from our program. And all the challenges that exist for people with disabilities in the world still exist when you graduate from college. We may be better preparing our students for life after college, but all of those challenges are still there as a nation and a state, and as communities, we still have a long way to go to make sure that these students are successful post-graduation.   Denise Johnson Marshall One last time, how can individuals contact you, your office, your program? If they want to know more information.   Ken Surdin You can contact us at excel@gatech.edu. That's excel@gatech.edu.   Denise Johnson Marshall Ken, thank you so much for your time today. It was great to hear about the program and its continued growth.   Ken Surdin Denise, it was an absolute pleasure to be on this podcast and I wish you all the best and hope that you keep doing it.   Denise Johnson Marshall Thank you. Let's take a break from this podcast to listen to more about departments that we want you to get to know.   Kendra Brown Get to know GT Human Resources employee relations at Georgia Tech individuals with disabilities have an equal opportunity to pursue education or employment and to have access to campus programs, activities and services. If you are an employee or visitor and you have a disability and need assistance, we are here to help. The purpose of Georgia Tech Human Resources Employee relations is to one, coordinate, facilitate, and monitor the interactive reasonable accommodation process, or RA plan, which may assist qualified employees in performing the essential functions of their position and two, coordinate Georgia Tech compliance with the employment requirements of the Americans with Disabilities act, or ADA, and with other related laws, policies and procedures and three, ensure qualified persons with disabilities have full and equal access to all terms and conditions of employment, regardless of disability and four, educate staff on their rights and responsibilities under the Americans with Disabilities act and provide technical assistance as needed. For more information, please visit our website at ohr.gatech.edu/disabilityservices or email us at employee-relations@ohr.gatech.edu. That's employee-relations@ohr.gatech.edu.   Denise Johnson Marshall Now that you know a little bit more, it's time to get back to the podcast. Thank you for joining us for our Beyond Compliance podcast. This is the end of our series of the 50th anniversary of the Rehabilitation act of 1973. Join us for future broadcasts on beyond compliance.   Announcer And thanks to everyone joining us for this episode. For more information on this episode's guest and additional resources, check out the show notes for this episode and feel free to contact us via email at podcast@gtri.gatech.edu. If you aren't aware already, please note that the Georgia Tech Research Podcast is now available on Apple Podcasts, Google Podcasts, and Spotify. Tell your colleagues and others who might be interested in Georgia Tech research to subscribe and tune in.    

President of the Alliance for American Manufacturing, Scott Paul, joined the America's Work Force Union Podcast to talk about the pro-manufacturing economy in America, misconceptions from the October Bureau of Labor Statistics jobs report and potential threats to the manufacturing industry. Labor lawyer, Andrew Strom, joined the America's Work Force Union Podcast to discuss the recent NLRB decision in support of a lower court ruling on joint employers. Strom also talked about the complaints from the decision and some liability changes.

“We are not getting any younger.” True for any human on this Earth, but especially so when it comes to global demographics. As birth rates fall and life spans expand, the average age of the world population is rising faster than any time in human history. Not surprisingly, this trendline in general population makeup is reflected in workforce demographics. In the U.S., the fastest growing age segment of the workforce is people over 55. So fast is this cohort growing that the Bureau of Labor Statistics estimates by 2024, workers over the age of 55 will be the largest segment of the U.S. workforce, a seismic shift from historically being the smallest. And far from a demographic anomaly, the workforce will continue to get “grayer” through at least the year 2060. An aging workforce brings with it structural challenges, but also significant opportunities. Facing low unemployment and looming skills shortages, recruiting and retaining highly experienced and knowledgeable workers represents a key strategy for organizations looking to thrive in an increasingly competitive landscape. An added bonus: age diverse teams have been shown to be more innovative. But to deliver on this potential requires changes in approach; creating a workplace that is welcoming of workers of all ages is a great place to start. This session will explore how smart, intentional workplace strategy and design can help to attract, retain, engage, and empower ALL age groups present in the workforce today.

  Landaas & Company newsletter  November edition now available. Advisors on This Week's Show Kyle Tetting Adam Baley Mike Hoelzl (with Max Hoelzl, Joel Dresang, engineered by Jason Scuglik) Week in Review (Oct. 30-Nov. 3, 2023) Significant Economic Indicators & Reports Monday no significant reports Tuesday Housing prices continued gaining in August, according to the S&P CoreLogic Case-Shiller national home price index. The measure showed broad gains in prices across the country with year-to-year price increases accelerating in 19 of 20 cities studied. The national index was up 2.6% from the year before, vs. a 1% year-to-year gain in July. The index was 6.4% ahead of its recent bottom in January. A spokesman for the index explained the rising prices by saying that higher mortgage rates have been suppressing the supply of houses for sale more than the demand. The Conference Board said its consumer confidence index dipped in October for the third month in a row, suggesting expectations for an economic recession. The business research group said consumers are preoccupied with rising prices and expressed concerns about political volatility and global uncertainty, including war in the Middle East. The Conference Board repeated its prediction of a short, shallow downturn in the first half of 2024. Wednesday The manufacturing sector contracted in October for the 12th month in a row, according to the Institute for Supply Management. The trade group's index, based on surveys of industry purchasing managers, showed new orders declining at a faster rate while production grew, though slower than it had in September. Employment fell after having expanded the month before, and some companies reported considering layoffs. The group said based on past index readings, the U.S. gross domestic product is receding at an annual rate of 0.7%. The Commerce Department said construction spending rose slightly in September, aided by single-family housing. At a seasonally adjusted annual rate of nearly $2 trillion, expenditures were up 0.4% from the August pace and up almost 9% from the year before. Spending on residential construction, which accounted for 44% of the total, rose 0.6% for the month but was 2.1% lower than the year-ago pace. Expenditures on factory construction fell 0.4% from August but was up 62% from the year before. Job openings rose slightly in September, another sign of the labor market's resilience so far amid Federal Reserve Board efforts to slow the economy. Openings rose 0.6% from August to 9.6 million positions, the Bureau of Labor Statistics reported. That was 12% below the September 2022 level but still higher than the 7 million mark just before the COVID pandemic. The report showed little change in the numbers and rates of hires, separations and quits. Compared to the number of unemployed people actively seeking jobs, demand for workers outnumbered supply by about 3 million, little changed from August. Thursday The four-week moving average for initial unemployment claims rose for the second week in a row, though the level continued to reflect tight labor conditions. The measure was 43% below the all-time average, according to Labor Department data. The report said 1.6 million Americans claimed jobless benefits in the latest week, up 2% from the week before and up 28% from the year before. The Bureau of Labor Statistics said the annual rate of worker productivity rose in the third quarter by 4.7%, the most in three years. Measuring year to year, third-quarter productivity rose 2.2% for the third consecutive acceleration. Over the last four quarters, productivity rose because output, which was up 3.1%, exceeded the 0.8% increase in hours worked. Hourly compensation rose at a 3.9% annual rate in the third quarter, so labor costs fell 0.8%. Measured from the third quarter of 2022, labor costs gained 1.9%. The Commerce Department said the value of factory orders rose 4.

Tom welcomes Danielle Booth back to the show to once again discuss the Fed and the state of the economy. Danielle explains why Powell needs to maintain "illusion or narrative" of higher interest rates for longer. This is crucial for households, commercial real estate developers, and corporations who have taken out loans and mortgages at lower rates. While a potential decrease of up to 100 basis points (5% to 4%) is possible by January, it is unlikely. Currently, rates are much higher and will have an impact on entities that are cashflow constrained. Danielle also discusses the various indicators to gauge the state of the economy, such as layoffs, disposable personal income, and stimulus checks. She noted that the Bureau of Labor Statistics has two surveys, one of which creates the unemployment rate and the other creates non-farm payrolls. It is important to consider both surveys to accurately assess the economy. Danielle also talks about the impact of the pandemic on the economy, with job losses, bankruptcies, and a potential recession looming. She mentioned the challenges faced by the repossession industry due to a lack of employees, and the pressure on Federal Reserve Chairman Jay Powell to prevent a market crash. Lastly, she also advised keeping an eye on bank reserves and understanding how companies are preparing for the end of the year with cost-cutting and potential layoffs. Overall, the economy is facing a potential stagflation as households struggle to keep up with inflation and debt obligations. Time Stamp References:0:00 - Introduction0:36 - Higher For Longer2:34 - Debt Loads & Cash Flow5:00 - Recession Indications6:50 - Non-Farm Payroll12:03 - Wage Price Spiral?13:34 - Inflation Outlook15:48 - Freight Economic Costs17:25 - Sub-Prime Auto Loans20:20 - Powell & Election Year23:10 - Liquidity + Correction25:46 - Gov't Spending & Labor28:14 - End Of Year Outlook29:44 - Wrap Up Talking Points From This Episode Why rates are having a major impact on households, commercial real estate developers, and corporations who have taken out mortgages and loans. Why it's important to consider both jobless claims and payroll reports. Examine your portfolios and have cash on hand to watch what comes to pass for the end of the year. Guest Links:Twitter: https://twitter.com/DiMartinoBoothSubstack: https://dimartinobooth.substack.com/Website: https://quillintelligence.com/YouTube: https://www.youtube.com/c/DanielleDiMartinoBoothQI Danielle DiMartino Booth is CEO and Chief Strategist for Quill Intelligence LLC, a research and analytics firm. DiMartino Booth set out to launch a #ResearchRevolution, redefining how market intelligence is conceived and delivered, with the goal of not only guiding portfolio managers but promoting financial literacy. To build QI, she brought together a core team of investing veterans in analyzing the trends and providing critical analysis of what drives the markets. Since its inception, commentary and data from DiMartino Booth's The Daily Feather have appeared in other financial sources such as Bloomberg, CNBC, Fox Business, Institutional Investor, Yahoo Finance, The Wall Street Journal, MarketWatch, Seeking Alpha, TD Ameritrade, TheStreet.com, and more. A global thought leader on monetary policy, economics, and finance, DiMartino Booth founded Quill Intelligence in 2018. She is the author of FED UP: An Insider's Take on Why the Federal Reserve is Bad for America (Portfolio, Feb 2017), a full-time columnist for Bloomberg View, a business speaker, and a commentator frequently featured on CNBC, Bloomberg, Fox News, Fox Business News, BNN Bloomberg, Yahoo Finance and other major media outlets. Before Quill, DiMartino Booth spent nine years at the Federal Reserve Bank of Dallas, serving as Advisor to President Richard W. Fisher throughout the financial crisis until his retirement in 2015. Her work at the Fed focused on financial stability and the efficacy of unconventi...

Giving up can be painful. That's why we need to talk about it. Today: stories about glitchy apps, leaky paint cans, broken sculptures — and a quest for the perfect bowl of ramen.  RESOURCES"Data Snapshot: Tenure and Contingency in US Higher Education," by Glenn Colby (American Association of University Professors, 2023).Grit: The Power of Passion and Perseverance, by Angela Duckworth (2016)."Entrepreneurship and the U.S. Economy," by the U.S. Bureau of Labor Statistics (2016)."A CV of Failures," by Melanie Stefan (Nature, 2010).EXTRAS“How to Succeed at Failing,” series by Freakonomics Radio (2023)."Annie Duke Thinks You Should Quit," by People I (Mostly) Admire (2022)."How Do You Know When It's Time to Quit?" by No Stupid Questions (2020).“Honey, I Grew the Economy,” by Freakonomics Radio (2019).“The Upside of Quitting," by Freakonomics Radio (2011)."The Ramen Now - Rapid Desktop Cooking for Delicious Meals," Kickstarter campaign by Travis Thul.

During Breast Cancer Awareness Month, the Advanced Reconstructive Surgery Alliance (ARSA) will meet for its annual summit and will bring together leading reconstructive surgeons from across the nation to review and share the latest advancements in breast reconstruction and other transformative care initiatives. Breast cancer affects millions of lives every year, and access to state-of-the-art medical technologies in breast reconstruction is essential for the holistic care of patients. Dr. Frank Dellacrose is a founding partner of the Center for Restorative Breast Surgery and St. Charles Surgical Hospital, the first hospital in the world dedicated to breast reconstruction for women affected by breast cancer.Last year over 100,000 Americans died after overdosing on opioids, including prescription pain medications. Rates of prescription drug abuse in the U.S. are alarmingly high, as are the number of accidental poisonings and overdoses due to these drugs. An estimated 16.7 million people used prescription drugs for a non-medical purpose in the last year. Of the non-medical users, nearly 70% obtained their pills from family and friends, a phenomenon known as diversion. Keeping unused, excess prescription pain medications in the home leaves households vulnerable to misuse, accidents and diversion, or the non-medical use of legally prescribed medications.To help fight the crisis, Inmar Intelligence is committed to providing a safe, convenient, and responsible means to dispose of unwanted prescription drugs, while also educating the public about the dangers of keeping unwanted prescription drugs in the home, including the potential for abuse and misuse.According to the Bureau of Labor Statistics, only 20% of people with disabilities, including those with autism, are employed – signaling an unemployment crisis for autistic individuals. October is National Disability Employment Awareness Month, and the emphasis on fostering an inclusive workplace and helping people with autism find employment remains critical.Autism Speaks recently launched Workplace Inclusion NowTM (WIN) 2.0, a workforce development program for employers, job seekers and community stakeholders committed to promoting diversity in hiring, creating an inclusive workplace and helping people on the spectrum find employment. WIN provides online training courses for employees of all backgrounds to raise awareness around neurodiverse thinking and communication styles, compiled and reviewed by a committee of autism experts, autistic adults, job coaches, corporate executives and DEIA leaders.Keith Wargo, CEO of Autism Speaks, discusses the employment crisis facing people with autism as well as resources and strategies for employers and potential employees.In California, most urban water use happens while watering outdoor landscapes. But saving water doesn't mean giving up on a beautiful yard! Fall is the ideal season for replanting and beginning a yard transformation to create outdoor landscapes that are water efficient, as well as attractive AND low maintenance.Master Gardener and conservation expert Cris Sarabia joins Michelle from the Long Beach Community Foundation Garden to share all the ways we can prepare for Fall and conserve water with a water-wise landscape."Pharmacists are trusted and accessible health care providers. They're committed to meeting patients' needs as respiratory illness season approaches and offer CDC-recommended vaccines for flu, RSV, COVID-19 and other common illnesses. The Centers for Disease Control and Prevention (CDC) recommends that individuals make plans to get vaccinated early in the fall, before respiratory illness season begins, and ideally by the end of October.·While many providers offer flu shots, CVS Pharmacy and MinuteClinic are good options because they're conveniently located and have evening and weekend hours.· Patients can quickly and easily make vaccination appointments for themselves or their families at CVS Pharmacy or MinuteClinic by visiting CVS.com, MinuteClinic.com, the CVS Pharmacy app, or they can walk-in when it's convenient for them.· Digital scheduling offers the scheduling of multiple patients at once, allowing families, caregivers, and other groups to get vaccinated together. Patients can also schedule multiple vaccinations in one appointment, such as the flu and COVID-19 vaccine.

In s3e40, Platemark host Ann Shafer talks with Luther Davis, master printer and director of Powerhouse Arts, Brooklyn. This is a two-parter. For this interview, Platemark collaborated with its sister podcast Hello, Print Friend. Miranda Metcalf, Hello, Print Friend's host and creator interviewed Luther about his background and early career; Ann Shafer spoke with Luther about the present and future at Powerhouse Arts, a new non-profit arts center in a renovated transit power station on the Gowanus Canal in Brooklyn. Both Hello, Print Friend and Platemark's episodes will be available on both podcast channels. Luther has been in the biz for a long time and has great stories about the printing industry in Brooklyn. We talk about industrial printing and ask what the differences are between "art" and everything else. We talk about how important accessible shops are for artists to fabricate large projects (in addition to a print shop, Powerhouse has a ceramics studio, and a large sculpture fabrication shop). We talk about the state of print publishing today.   Luther has brought his prodigious experience to bear at Powerhouse Arts, a fairly new player in the field. He is taking the reigns of the Print Shop and running with it. Episode image: Dana Zinsser. Powerhouse Arts Print Shop, Brooklyn. Pulled in Brooklyn, exhibition curated by Roberta Waddell and Samantha Rippner. IPCNY, April 4–June 15, 2019. Industrial map of New York City showing manufacturing industries. New York Public Library. Printing industries are marked in orange. Grand Hall, Powerhouse Arts, Brooklyn. Powerhouse Arts Print Shop, Brooklyn. Inaugural artist-in-residence Ivan Forde working at Powerhouse Arts Print Shop, Brooklyn. Jasper Johns (American, born 1930). Leo from The Leo Castelli 90th Birthday Portfolio, 1997. Color etching. Plate: 17 11/16 × 11 13/16 in. (45 × 30 cm.); sheet: 36 13/16 × 27 in. (93.5 × 68.6 cm.). Published by Jean-Christoph Castelli; printed by Noblet Serigraphie. Museum of Modern Art, New York. Ed Ruscha (American, born 1937). News from the portfolio News, Mews, Pews, Brews, Stews & Dues, 1970. Screenprint. Image: 18 1/16 x 27 1/16 in. (45.8 x 68.8 cm.); sheet: 23 1/16 x 31 7/8 in. (58.6 x 81 cm.). Published by Editions Alecto; printed by Alecto Studios. Museum of Modern Art, New York. Peacock Visual Arts' Risograph color chart. Powerhouse Arts Print Shop, Brooklyn. Printer Zaire Anderson coating screens for Avram Finkelstein's Who Died. Powerhouse Arts Print Shop, Brooklyn. With backs turned, left: Chris Kinsler; right: Dennis Hrehowsik. Facing camera, left: Zaire Anderson; right: Dana Zinsser. Powerhouse Arts Print Shop, Brooklyn. Nellie Davis and Kyle Goen working on his giant rainbow roll at Powerhouse Arts Print Shop, Brooklyn. Printer John Bartolo working on a screenprint by Aziz and Cucher at Powerhouse Arts Print Shop, Brooklyn. Powerhouse Arts Print Shop, Brooklyn. Powerhouse Arts Print Shop, Brooklyn. Donald Baechler installation shot. Galerie Forsblom, 2014. Kara Walker (American, born 1969). The Emancipation Approximation, 1999–2000. Portfolio of 26 screenprints. Sheet (each): 45 3/4 x 45 3/4 in (116.2 x 116.2 cm.). Published by Sikkema Jenkins Editions; printed by Jean Yves Noblet. Phillips Auctions, New York. Fourth Estate www.fourthestate.com Alex Dodge (American, born 1977). Unread Messages, 2017. Screenprint. 20 x 30 in. Haystack Editions.   USEFUL LINKS Poster House www.posterhouse.org Jungle Press Editions www.junglepress.com Avant Arte www.avantearte.com Radix Media & Graphics NY Printing & Graphics www.nyprintinggraphics.com Du-Good Press www.du-goodpress.com Carousel's Press www.carouselpress.com Kayrock Screenprinting www.shop.kayrock.org Bushwick Print Lab www.bushwickprintlab.org Ulano Corp. www.ulano.com KIWO Inc. www.kiwo.com Guerra Paint & Pigment www.guerrapaint.com Labor statistics on fine artists from the US Bureau of Labor Statistics https://www.bls.gov/oes/current/oes271013.htm#nat  

Welcome to the RE Social Podcast, your source for real estate investing tips! In this episode, we are here with Caleb Johnson, a real estate investor and host of the From Trial to Triumph Podcast, to learn about his journey in the industry. From house hacking to raising capital, Caleb shares valuable insights and advice for anyone looking to enter the world of real estate investing. Caleb takes us through his real estate journey, starting with a house hack that allows him to save money and get his foot in the door. Caleb also discusses his subsequent investments, including a retail facility and a duplex, using a 1031 exchange. His experiences highlight the importance of strategic decision-making and the potential for growth in the real estate market. He also provides valuable advice on raising capital, selecting markets, and partnering with others. Tune in now and start building your wealth through real estate! Key Takeaways 00:00:00Who is Caleb Johnson 00:03:04Motivation to pursue real estate 00:06:14Caleb's first house hack 00:09:13First deal and property appreciation 00:10:05Choosing the right neighborhoods 00:12:20Retail and apartment complexes 00:19:31Raising Capital Challenges 00:21:28Closing the 16-Unit Deal 00:25:06Loan-to-Value Ratio 00:28:52Emerging Real Estate Markets 00:30:35Scaling Up to 117 Units 00:31:42Networking and Finding Partners 00:37:20Seed capital from selling the duplex 00:39:00Cash flow through more assets 00:44:22Challenges of short-term rentals 00:45:40Being smart in real estate investments 00:46:32Benefits of raising capital and deals 00:49:13Taking action & investing in real estate 00:50:22How to keep in touch with Caleb Resources and Links Airbnb https://www.airbnb.com/ Bureau of Labor Statistics https://www.bls.gov/ Red Sea Capital Group https://redseacapitalgroup.com/ "Emerging Real Estate Markets" by David Lindahl https://www.amazon.com/Emerging-Real-Estate-Markets-Coming/dp/0470174668 From Trial to Triumph Podcast by Caleb Johnson https://redseacapitalgroup.com/listen/ Connect with Caleb: https://www.linkedin.com/in/caleb-johnson-7b7300205/ https://www.instagram.com/redseacapitalgroup/ https://www.facebook.com/people/Red-Sea-Capital-Group/100083689613341/ https://redseacapitalgroup.com/ Learn more about AnVi Invest

Starting in January, federal retirees and other beneficiaries will see another cost-of-living adjustment (COLA) added to their Social Security benefits. The 2024 COLA will be 3.2%, the Social Security Administration announced Thursday. It's a relatively smaller adjustment compared with the COLA that beneficiaries received for 2023. The annual COLA is meant to keep federal retirees and Social Security recipients' benefits on pace with rising inflation. COLA amounts are determined by the third quarter each year of the Bureau of Labor Statistics' Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). But like every year, not all federal retirees will receive the full 2024 COLA. Depending on the system under which a federal employee retires, the exact 2024 COLA amount varies. Learn more about your ad choices. Visit megaphone.fm/adchoices

  Landaas & Company newsletter  October edition now available. Advisors on This Week's Show Kyle Tetting Steve Giles Kendall Bauer (with Max Hoelzl, and Joel Dresang, engineered by Jason Scuglik) Week in Review (October 9-13, 2023) Significant Economic Indicators & Reports Monday No major announcements Tuesday No major announcements Wednesday Prices on the wholesale level rose more than analysts expected in September, fueled by increases in energy costs. The Bureau of Labor Statistics said its Producer Price Index rose 0.5% from August. Demand for goods climbed 0.9%. Since September 2022, the PPI rose 2.2%, the fastest rate since April, but down from an 11.7% one-year pace in March 2022. Excluding volatile prices for food, energy and trade services, the core PPI advanced 0.2% for the month and was up 2.8% from the year before, which was on par with recent months and down from 7.1% in March 2022. Thursday Shelter costs accounted for more than half of the 0.4% increase in inflation in September. The Bureau of Labor Statistics said gasoline prices also added to its Consumer Price Index. The gain was down from 0.6% in August. In the latest 12 months, the broadest measure of inflation rose at a 3.7% pace, tied with August for the slowest in 30 months and down from 9.1% in June 2022. The core CPI, which strips out volatile costs for food and energy, rose 0.3% from August and 4.1% from September 2022. The year-to-year rate was the lowest in two years and down from 6.6% a year ago. Based on CPI data, the Social Security Administration announced a 3.2% adjustment to benefits in 2024. That was a drop from 8.7% in 2023, the biggest raise for Social Security recipients since 1981. The average cost-of-living adjustment since Social Security began adjusting benefits to inflation in 1975: 3.8%. Social Security said the average recipient can expect an added $50 in their benefit checks, beginning in January. The four-week moving average for initial unemployment claims sank for the sixth week in a row, reaching 44% below the all-time average and the lowest level since January. The Labor Department said fewer than 1.6 million Americans claimed jobless benefits in the most recent week, down 0.2% from the week before but up 28% from the same time last year. The historically low claims numbers illustrate the reluctance of employers to let workers go in a tight labor market. Friday A preliminary reading of consumer sentiment in October showed lower confidence because of higher expectations for inflation. The survey-based index from the University of Michigan dropped 7.5% from where it stood at the end of September. It was 5.2% ahead of where it was in October 2022. One-year expectations for inflation rose to their highest level since May, staying well above the range before the pandemic. Long-term expectations also edged up. According to the university, expectations for rising prices tend to stifle consumer spending, which drives nearly 70% of U.S. economic activity.  MARKET CLOSINGS FOR THE WEEK Nasdaq – 13407, down 24 points or 0.2% Standard & Poor's 500 – 4328, up 19 points or 0.4% Dow Jones Industrial – 33671, up 263 points or 0.8% 10-year U.S. Treasury Note – 4.63%, down 0.16 point Not a Landaas & Company client yet? Click here to learn more. More information and insight from Money Talk Money Talk Videos Follow us on Twitter. Landaas newsletter subscribers return to the newsletter via e-mail

Today marks the one-year anniversary of losing Lt. Dustin Demonte and Sgt. Alex Hamzy after an ambush attack. We learned about the CT Law Enforcement Memorial Foundation and its work honoring the fallen in our state. We spoke with retired Watertown Police Chief, John Gavallas, who is also the Chairman of the foundation's board of directors. (0:00) An unexpected tragedy happened on a Connecticut high school football field. A 15-year-old player became unresponsive at practice and died later that day. Glenn Lungarini of the CIAC responds to the incident and reiterated the state's focus on student athlete safety. (13:45) According to the Bureau of Labor Statistics, only 20% of people with disabilities, including those with autism, are employed in the US. During National Disability Employment Awareness Month, we highlighted a new Autism Speaks program meant to help people with autism find employment and encourage employers to hire people on the spectrum. President and CEO of Autism Speaks, Keith Wargo, explained the issue at hand and what the new program will do to help. (25:13) Image Credit: Getty Images

House Republicans are no closer to having a Speaker of the House after hours of meetings; China has a soft response to Hamas' brutal attack on Israel, part of the country's longer-term strategy in the region; Prices are up 3.7% according to the Bureau of Labor Statistics. Is it time to address our ballooning debt and deficits to bring inflation down? 

TOP NEWS | On today's Daily Signal Top News, we break down: Members of Congress have yet to elect a new speaker of the House.Israel's energy minister says until the hostages are released, Gaza will not receive any humanitarian aid and all basic resources like food, water, and fuel will be cut off. CEOs call on Harvard University to release the list of names of students who issued a letter supporting Palestine and condemning Israel. The former leader of Hamas calls for Friday to be a day of Jihad.The U.S. Bureau of Labor Statistics reports that the consumer price index, which is a key measure of inflation, rose 0.4% in September.Sen. Bob Menendez faces charges of conspiring to act as an agent of the Egyptian government. Relevant LinksListen to other podcasts from The Daily Signal: https://www.dailysignal.com/podcasts/Get daily conservative news you can trust from our Morning Bell newsletter: DailySignal.com/morningbellsubscription Listen to more Heritage podcasts: https://www.heritage.org/podcastsSign up for The Agenda newsletter — the lowdown on top issues conservatives need to know about each week: https://www.heritage.org/agenda Hosted on Acast. See acast.com/privacy for more information.

A JOLTS Report Jolt, Continued Perversion of the Markets & 401(k) Rollovers The Money Wise guys weren't preempted by football this week! They're back in the studio with another episode full of investor news, engaging debate, and some wise-cracking, too. They kick off the show with a market update, and last week saw the Dow down. 0.3%, the S&P 500 up 0.5%, and the NASDAQ up 1.6%. YTD the Dow is up 0.8%, the S&P is up 12.2%, and the NASDAQ is up 28.3%. It's the first show since Q3 ended, and it was a negative quarter for all major market indices, with most of the negative performance coming from the month of September. Q4 has now begun, and Friday's rally saved it from being a negative first week. It was all about unemployment numbers, and the consensus expectations for the JOLTS report, in particular. These jobs numbers came in way above expectations, with more than a million more jobs available than what was anticipated. The ADP report jobs were also high, so futures went immediately south, interest rates immediately spiked up, and we saw the market algorithms take over once again. The guys also discuss two things that drove the markets negatively in September, what's happening with volume, and the technicals they're watching.  What is the JOLTS Report? The Money Wise guys discuss the JOLTS Report in this episode, and this refers to a jobs report from the Bureau of Labor Statistics. The JOLTS Report stands for the Job Openings and Labor Turnover Survey, and it produces data on job openings, hires, and separations. The JOLTS Report is generated monthly and often impacts the markets, especially when coming in much higher than expectations. You can learn more about the JOLTS Report here. In the second hour, the Money Wise guys discuss 401(k) Rollovers. You don't want to miss the details! Tune in for the full discussion on your favorite podcast provider or at davidsoncap.com, where you can also learn more about the Money Wise guys or take advantage of a portfolio review and analysis with Davidson Capital Management.

  Landaas & Company newsletter  October edition now available. Advisors on This Week's Show Kyle Tetting Adam Baley Dave Sandstrom (with Max Hoelzl, Joel Dresang, engineered by Jason Scuglik) Week in Review (Oct. 2-6, 2023) Significant Economic Indicators & Reports Monday Manufacturing continued its slump in September, according to the Institute for Supply Management's manufacturing index. The index signaled contraction for the 11th month in a row, although at the highest level in that period. Purchasing managers surveyed by the trade group said that along with a slowdown in demand for manufactured items, their production execution and supply chains have improved. The index also reported an expansion in hiring. The Commerce Department said the annual rate of construction spending rose in August for the eighth month in a row. The rate of $1.98 trillion was 7.4% above the year-ago pace. Residential expenditures, which accounted for 45% of total spending, increased from the August pace but were 3% slower than the year before because of a drop in multi-family housing construction. Spending on manufacturing construction (about 10% of all expenditures) rose 66% from the year before. Tuesday Employers expanded job openings in August for the first time in four months. According to the Bureau of Labor Statistics, the number of help-wanted posts rose nearly 8% to 9.6 million openings. Employers in professional and business services showed the biggest need for workers. Demand for employees has slid from an all-time high of 12 million openings in March 2022 but remained above the pre-pandemic level of 7 million. Data showed little change in the numbers of hires or separations. The level of employees quitting their jobs – a sign of worker confidence – was on par with both July and February 2020. Quits peaked in late 2021 and early 2022. Wednesday Orders for factory goods rose in August for the fifth time in six months, the Commerce Department reported. Manufacturing orders were up 1.2% from July, following a 2.1% decline from June. Compared to August 2022, orders were up 0.5%. Excluding volatile orders for transportation equipment, demand for factory goods rose 1.4% from July and was down 1.5% from the year before. Core capital goods orders, a proxy for business investments, rose 0.6% for the month and were up 2.1% from August 2022. The U.S. services sector continued expanding in September, though at a slightly slower pace, according to the Institute for Supply Management. The trade group's services index showed the ninth consecutive month of expansion, with signs of slower movement in new orders and hiring. The ISM said based on past history, the index suggested the entire U.S. economy was growing at a 1.3% annual pace. Thursday The U.S. trade deficit shrank 10% in August to $58.3 billion. The deficit, which detracts from gross domestic product, resulted from a 0.7% decrease in the value of imports bought and a 1.6% rise in exports sold. The decline in imports was led by crude oil and cell phones, while crude oil, cars and travel services helped exports grow. Through the first eight months of 2023, the trade gap narrowed nearly 21% from the year before as imports fell by 4% and exports increased by 1%. The four-week moving average for initial unemployment claims sank for the fifth week in a row, reaching the lowest level since February. Data from the Labor Department showed average new applications for jobless benefits dipped 43% below the 56-year average, underscoring employers' reluctance to let workers go. More than 1.6 million Americans were receiving unemployment benefits in the latest week, down 3% from the week before and up 29% from the same time in 2022. Friday Employers added 336,000 jobs in September, above the 12-month average of 267,000 and the 33rd consecutive month of gains. The Bureau of Labor Statistics reported broad increases in payroll jobs,

All we can say is that the jobs report released today from the Bureau of Labor Statistics was, in a word, stunning! That report has a direct impact on Wall Street and perhaps the Central Bank. In this broadcast we'll share those stories and more. Meanwhile, if you want to reach us on social media and if you're on Threads you can find  us @Insight_On_Business. And you can hook up with us all day on Twitter or "X" @IOB_NewsHour and on Instagram.  Here's what we've got for you today: The jaw-dropping jobs report in detail; What it may mean for the Central Bank and inflation; Credit and Credit Cards a new report from WalletHub; A big announcement from the UAW strike made news; Georgia and medical marijuana a first in the nation; The Wall Street Report; And, PayPal is headed to court...we'll share why. Thanks for listening! The award winning Insight on Business the News Hour with Michael Libbie is the only weekday business news podcast in the Midwest. The national, regional and some local business news along with long-form business interviews can be heard Monday - Friday. You can subscribe on  PlayerFM, Podbean, iTunes, Spotify, Stitcher or TuneIn Radio. And you can catch The Business News Hour Week in Review each Sunday Noon on News/Talk 1540 KXEL. The Business News Hour is a production of Insight Advertising, Marketing & Communications. You can follow us on Twitter @IoB_NewsHour...and on Threads @Insight_On_Business.

According to the US Bureau of Labor Statistics there a 13,183,250 people listing their job title as sales or selling. They have a mean annual wage of $50,370 (and that is really mean!) and if you are in the 90th percentile, the average wage is $94,040. That tells us that there a lot of sales reps out there who are basically starving to death because they don't know how to differentiate themselves from the pack. So, if you want to move into that top 10%, listen up as Scott and I welcome our guest Sales Leadership Expert, Steve Keating to tell us How to Move from Sales Rep to Trusted Advisor on episode 584 of the Winning at Selling podcast.

Andrew Cohen is the founder & CEO of Brainscape, a web & mobile education platform that helps millions of people study more efficiently.  Brainscape allows students of all ages to create, share, and find great “smart flashcards” for any subject, and to study them using a fun, social experience that is scientifically proven to boost learning results.Before starting Brainscape, Andrew worked as an international economist (U.S. Bureau of Labor Statistics), eLearning curriculum developer (Satori Consulting and United Nations), and government corruption fighter (World Bank).  He holds a Masters degree in Instructional Technology from Columbia University and is obsessed with optimizing human development using cognitive science.Recommended Resources:Brainscape websiteBrainscape mobile appBrainscape AcademyBrainscape YouTubeGet ready to explore the future of education! Join Edtech Insiders for a virtual conference featuring 30+ of the top voices shaping the future of Al + Education. A full day of keynote speakers, panel discussions, and networking!Register now here: AI+EDU Virtual Conference

Today, we break down the latest 2022 data from the U.S. Census Bureau, the US Bureau of Labor Statistics, as well as the Federal Reserve Survey of Consumer Finances. The TFG reflects on how statistics can be used as a proactive tool and how the numbers humanize the average American's experience with money. The Financial Griot is a play on two words (Finance + Griot) that hold significance in closing the wealth gap while embracing our differences. We tell the stories that others don't. Stories about growth, opportunity, and embracing changes. Beyond that, we talk about Finances. Specifically, how to become Financially literate, incorporate actionable steps, and ultimately build generational wealth.Can you imagine being a Millionaire in 20 years or less? Yeah, it's possible. 80% of millionaires are the first generation. That means they didn't come from wealth. We teach you how. Join a community of subscribers who welcome a fresh take on money.So there you have it, The Financial Griot, or TFG for short. The hosts were able to amass over $2 Million in wealth in about eight years and are on track to retire early. We will gladly share the secrets if you want them since the opportunity is abundant and Win-Win.Resources: US  Census Bureau: Income, Poverty,  and Insurance Coverage in the United States: 2022 Poverty Rate Jumps in 2022 after  the end of enhanced child tax credit2022 Consumer Expenditures from the US Bureau of Labor Statistics Connect with  the TFG Crew Hosts: Alainta Alcin - Blogger, Travel and Money Enthusiast @alainta_alcinLawrence Delva- Gonzalez - Financial Foodie and World Traveler @theneighboorhoodfiinanceguyLovely Merdelus - Entrepreneur and Small Business Growth Specialist @lovelymerdelus

The number of U.S. workers with multiple income streams is increasing steadily, with earnings of $200 billion today poised to double by 2030. Generative AI could help these “multi-earners” hold down their many jobs.----- Transcript -----Ed Stanley: Welcome to Thoughts on the Market. I'm Ed Stanley, Morgan Stanley's Head of Thematic Research in Europe. Ellen Zentner: And I'm Ellen Zentner, Morgan Stanley's Chief U.S. Economist. Ed Stanley: And on this special episode of Thoughts on the Market, we'll discuss the impact of A.I. on the multi earning trend we've been observing over the last year. It's Friday, September 29th at 3 p.m. in London. Ellen Zentner: And 10 a.m. in New York. Ed Stanley: You'll remember that the pandemic created the conditions for many people to start pursuing multiple income streams, and post-COVID this need has shifted to an opportunity. And little over a year ago, we first wrote about the rise of multi earners, a large and growing class of workers who, we argued, whose marginal hour was better spent multi-earning than staying in a low paying traditional corporate role, for example. And not surprisingly, Gen Z, a group our economist team have studied in detail, is leading this paradigm shift, and that is clearly underway in our latest survey. Ellen, before we get into some of the current specifics on the fast moving multi-earner and A.I. Trends, can you set the stage for us by giving us a sense of where the US labor market is right now and how things have evolved since the great resignation that we heard so much about during COVID? Ellen Zentner: Sure Ed. Participation in the workforce dropped like a rock around COVID and government subsidies helped folks take time away, and particularly those that work in high risk areas of services where face to face contact is a necessary work requirement. Now, at the same time, the percentage of employees that shifted to some amount of work from home arrangements soared from about 15% to over 50%, and it's remained pretty sticky even as COVID has moved further into the rearview mirror. So while prime age labor force participation has fully recovered and continues to climb, the share of workers with some amount of work from home has remained elevated, as well as those that the Bureau of Labor Statistics here in the US has identified as holding multiple part time jobs. So it turns out it skews toward younger workers. In other words, Generation Z, as you noted, which is a growing share of the prime age workforce. And for many workers, COVID was a wake up call, a call to action, if you will, that multi-earning might better balance a sense of freedom and flexibility while still earning a living wage. Ed Stanley: To expand our lens even more in order to understand the economic backdrop of multi-earning, can you give us a quick overview of the rise of the so-called worker economy over the last two decades? Ellen Zentner: So here's a brief history lesson. Wage growth, when adjusted for inflation, has been falling for decades in the U.S. and is a reflection of factors such as waning presence of unions, the rise of mega companies and the like that reduced worker bargaining power over time. Wage growth should have kept up with gains in productivity, and it just didn't. And as a result, the labor share of corporate profits has been falling. COVID created the labor scarcity needed to reverse that secular decline in labor income by raising bargaining power. In a sense, it galvanized the demand for higher wages that we think is durable. Now Ed, as you mentioned, you first started publishing on the Multi-Earner Trend a year ago, and this trend has been developing by leaps and bounds, it seems, especially when you overlay the fast and furious development of generative A.I. So can you tell us what you're observing and how your thesis is evolving? Ed Stanley: Yeah. So there are three ways that we keep track of to triangulate how this thesis is evolving. The first is official data, and you touched on this. The BLS shows a modest 1 in 20 multi-earners as a portion of the US population, for example, and growing pro-cyclically. So that is one data set we look at. The second is Google Trends. So it's a less well-captured metric in official data, but we can see less about how many people are doing it and more about the growth rate, which we can see is about 18% compound and actually growing counter cyclically. When life gets more challenging from a macro unemployment perspective, people seem to turn to these earnings streams, which inherently make sense. And then the third is to look at our Alphawise survey, the second of which we have that just came out, which shows multi-earning growing 8% year on year and as much as over 15% for Gen Z, which we talked about. So in essence, we don't rely on one dataset to estimate the size or growth of the market. The real addition this year is around generative A.I., where we showed, for those people using A.I. to enhance their multi earning, they are earning as much as 21% more than those who are not using generative A.I. tools. Ellen Zentner: Okay. So let's get into some of the key debates. You've had some investor feedback to this thesis. So what do you think are some of the key debates on multi earning in the era of generative A.I. that investors should pay attention to? Ed Stanley: I think there are two that remain the most unanswered, so to speak. The first one, I think the biggest issue is it can't be proven or disproven in terms of what happens during a recession. And given that the gig-working multi-earning economy is a relatively new phenomenon, the only recession we have data for was, as you say, distorted by stimulus checks, furlough schemes and other things which forced or allowed people to take much more risk than they otherwise would have. So a proper hard landing recession would certainly challenge this multi-earning thesis, and that remains to be seen. On the second point, I think it's actually a more positive one, the goalposts keep changing as it relates to these models. The speed and capability of new generative A.I. models, and particularly multimodal ones where you can deal with text and images, for example, all in one place is moving at pace still. And that is going to make content creation, e-commerce, gaming, web hosting much easier to scale and monetize for the individual. So if anything, we think we're underestimating the impact of A.I. will have on the multi earning economy over the long run. But those are the two debates that have captivated most investors. Ellen Zentner: So clearly there are unknowns around these key debates, but you have an estimate of the current market size of the income generated by individuals through multi earning platforms. Can you give us an idea of that? And given the speed at which A.I. is developing, what's your outlook for the next 3 to 5 years? Ed Stanley: So our base case currently is about $200 billion and that increases to $400 billion in 2030, of which we expect a 20% uplift from generative A.I.'s productivity gains. So about $83 billion of that $400 billion number. And that figure came from our survey, which I've already mentioned in terms of earning uplift with those using it versus those that aren't. And just to put that figure in context, that is only 4% of the wider gig economy market values, so really quite modest, actually, in view of the uncertainties that we have. And we actually expect these figures to get beaten in time, but it's always better to be more conservative early on. Ellen Zentner: Okay so, you know, last one from me, we haven't talked about regionally what's happening. So do you think there are any notable regional differences when you look at the intersection of multi-earning and A.I.? Ed Stanley: Yes, there are certainly that come out of our Alphawise survey. The highest earnings in dollar terms are in the US, the highest growth is in Europe but from a lower base. And then the one that jumped out at us and several of the investors we've spoken to is the higher than expected level of multi earning in India, which is new to our survey and particularly in the invest-to-earn category. And this is skewed by the fact that it was largely a survey for urban India, but it's also mirrored by a survey we did earlier in the year for Saudi Arabia, which showed much higher multi-earning engagement than we had expected. So that emerging market element has certainly taken us and some of our investors by surprise. But Ellen, turning back to you and to the US, what portion of the total US workforce are multi-earners and how do you see that evolving over time? Ellen Zentner: Multiple job holders has always been a feature of the labor market, but it's also always skewed towards younger workers and we have an incredibly young workforce today. So Gens Y and Z are moving through their prime working years in their greatest numbers as we speak, and the official data show that about 5% of the population hold multiple jobs. But, you've mentioned our surveys, our survey suggests that's an undercount and point to something closer to 8 to 10% of the workforce that are multi-earning. Our surveys also capture the skew toward younger workers where the labor force is growing more rapidly. So overall we find that multi-earning is growing by about 8% per year and that jumps to 15% per year if you isolate it to low earners. And the bottom line for me is that the stars align for this secular trend. Our demographic work has shown that the U.S. is an increasingly younger demographic and it really sets the U.S. apart on the global stage. Ed Stanley: Well, Ellen, thanks for taking the time to talk. Ellen Zentner: Great speaking with you, Ed. Ed Stanley: And as a reminder, if you enjoy Thoughts on the Market, please take a moment to rate and review us on the Apple Podcasts app. It helps more people find the show.

Since 2020 the health care workforce has faced a sharp increase in workplace violence. The U.S. Bureau of Labor Statistics has found that health care workers are five times more likely than any other type of worker to be physically attacked on the job. In this conversation, Karie Gibson, Psy.D., unit chief of one of the FBI's five Behavioral Analysis Units, discusses the meaning of behavioral threat assessments and how it applies to the threat of violence against hospitals and health care teams.

Prices spiked more than expected in August. The U.S. Bureau of Labor Statistics on Wednesday released its Consumer Price Index, a key marker of inflation, which showed it rose 0.6% last month alone, the biggest spike this year. That spike was largely driven by an increase in the price of shelter and gasoline. --- Support this podcast: https://podcasters.spotify.com/pod/show/america-in-focus/support

  Landaas & Company newsletter  September edition now available. Advisors on This Week's Show Kyle Tetting Steve Giles (with Max Hoelzl, Joel Dresang, engineered by Jason Scuglik) Week in Review (Sept. 11-15, 2023) Significant Economic Indicators & Reports Monday No major announcements Tuesday No major announcements Wednesday The broadest measure of inflation delivered mixed signals from August. For the month, the Consumer Price Index rose 0.6%, the most in 14 months, according to the Bureau of Labor Statistics. A 10.6% jump in the price of gasoline accounted for more than half the increase. Also contributing: Shelter costs, which rose for the 40th month in a row. The core CPI, which excludes volatile prices for food and energy items, rose 0.3% from July. Year to year, the CPI was up 3.7%, after reaching 3% in June. The core index fell to 4.3% from the year before, the lowest in nearly two years. Thursday Higher gas prices also boosted inflation on the wholesale level in August. The Bureau of Labor Statistics said its Producer Price Index rose 0.7%, the biggest gain in 14 months. Food prices fell for the fourth time in five months. Excluding food, energy and trade services, the core PPI rose 0.3% for the second month in a row. Since August 2022, the PPI rose 1.6%, which was the most since April. The core PPI was up 3% from the year before, compared to 2.9% in July. The four-week moving average for initial unemployment claims fell for the second week in a row and the seventh time in 11 weeks, reaching the lowest level since February.  According to Labor Department data, the average moved to 224,500 new applications, 39% below the average since 1967. Just under 18 million Americans claimed jobless benefits in the latest week, down more than 2% from the week before and up about 28% from the year before. The Commerce Department reported a 0.7% rise in retail sales in August, fueled by higher gas prices. Excluding gas stations, sales rose 0.2% for the month, compared with 0.5% in July. Sales rose in 10 of 13 categories. Sellers of furniture, sporting goods and miscellaneous merchandise experienced declines. Adjusted for inflation, retail sales fell 0.1% in August, the first decline since March. Friday U.S. industrial output rose 0.4% in August, the second gain in a row, though down from a 0.7% increase in July. A 5% drop in production from the auto industry held back the measure, the Federal Reserve reported. Output from factories rose 0.1%, but excluding motor vehicles and parts, manufacturing increased 0.6%. Since August 2022, overall industrial production rose 0.2%, with manufacturing output declining 0.6%. Meanwhile, capacity utilization rose marginally, reaching the 50-year average operating rate. Consumer sentiment stayed relatively steady in early September, according to the University of Michigan. A preliminary index reading of 67.7 was down from 69.5 at the end of August but about 35% above its record low in June 2022. Sentiment remained well below the historical average of 86. The university said consumer outlooks on economic conditions have improved modestly, but threats to shut down the government has the potential to send sentiment sliding. MARKET CLOSINGS FOR THE WEEK Nasdaq – 13708, down 53 points or 0.4% Standard & Poor's 500 – 4450, down 7 points or 0.2% Dow Jones Industrial – 34619, up 42 points or 0.1% 10-year U.S. Treasury Note – 4.32%, up 0.06 point Not a Landaas & Company client yet? Click here to learn more. More information and insight from Money Talk Money Talk Videos Follow us on Twitter. Landaas newsletter subscribers return to the newsletter via e-mail

Rod Arquette Show with Greg Hughes Rundown – “Wingman Wednesday,” September 13, 20234:38 pm: Utah Speaker of the House Brad Wilson, who is exploring a run for U.S. Senate in 2024, joins Rod and Greg to give us his reaction to Senator Mitt Romney's announcement that he will not seek reelection.5:05 pm: Mark Morgan, former acting Commissioner of the U.S. Customs and Border Protection, a Visiting Fellow at the Heritage Foundation, and a Senior Fellow at the Federation for American Immigration Reform joins Rod and Greg to discuss how Americans are losing their lives because of the crisis on America's southern border.5:48 pm: Riverton Mayor Trent Staggs, who has already announced a run for the U.S. Senate seat held by Mitt Romney, joins the guys to give his reaction to Romney's announcement that he will not run for reelection.6:05 pm: Veronique de Rugy, Chair in Political Economy and a Senior Research Fellow at the Mercatus Center at George Mason University, joins the show to discuss the latest consumer inflation report from the Bureau of Labor Statistics.6:38 pm: Susannah Luthi Taylor, a reporter with the Washington Free Beacon, joins the show to discuss a bill in California that would punish parents that don't “affirm” their child's gender identity.

TOP NEWS | On today's Daily Signal Top News, we break down:   The U.S. Bureau of Labor Statistics reported Wednesday that the consumer price index, a key measure of inflation, ticked up 0.6% in August. The Daily Signal's Fred Lucas is reporting that members of the House Freedom Caucus on Tuesday vowed to oppose […]

Soy Checkoff: https://www.unitedsoybean.org/Soy Innovation Challenge: https://www.thesoychallengelive.com/Farmer Coach: https://farmercoach.ca/Maverick Ag: https://maverickag.com/Hebert Grain Ventures: https://hebertgrainventures.com/FoA 302: Farm Business Strategy with Kristjan HebertFoA 303: Implementing a Farm Operating System with Kristjan HebertEvan Shout is the president and co-founder of Maverick Ag, a business consulting and risk management firm in Western Canada. He also sits as president, co-founder, and lead coach at Farmer Coach, an education and coaching program for primary producers in both Canada and the US. These organizations fall under the Hebert Group of Companies, which also includes Hebert Grain Ventures, a 30,000-acre grain and oilseed operation in southeast Saskatchewan, where Evan sits as Chief Financial Officer.I had the privilege of hosting Evan's business partner, Kristjan Hebert on the show last year back in episodes 302 & 303. Those were very popular episodes about farm strategy and farm operating systems. We follow that up with today's episode with Evan Shout about the entrepreneurial mindset and how apply that mindset to running a modern farm business. Spotlight Segment: Mac Marshall is the vice president of market intelligence for the United Soybean Board, where his job as part of the strategy team is to best position farmer leaders and directors to have the best information for making strategic decisions that are going to determine the fate of the soybean industry for years to come. He studied economics as an undergrad, and started his career with the US Bureau of Labor Statistics where he covered livestock, meat, cotton and consumer packaged goods. This background in economics and commodities analysis led to a job with Monsanto in corporate strategy then government relations before he joined the soybean board in 2020. He says strategic decisions from the farmer-led board have had major impacts on soybean farmers for decades, and shares some of the actions they are taking today to make sure the commodity continues to enjoy its demand and distribution for years to come. One example, he says, is the use of soy in renewable diesel.

TOP NEWS | On today's Daily Signal Top News, we break down: The U.S. Bureau of Labor Statistics reported Wednesday that the consumer price index, a key measure of inflation, ticked up 0.6% in August.The Daily Signal's Fred Lucas is reporting that members of the House Freedom Caucus on Tuesday vowed to oppose another budget continuing resolution without changes, which they said would only promote more irresponsible spending. After nearly two weeks, Pennsylvania fugitive Danelo Cavalcante is back in police custody. The White House is attempting to shape the narrative on impeachment one day after House Speaker Kevin McCarthy greenlit Republicans to move forward with an impeachment inquiry. Relevant LinksListen to other podcasts from The Daily Signal: https://www.dailysignal.com/podcasts/Get daily conservative news you can trust from our Morning Bell newsletter: DailySignal.com/morningbellsubscription Listen to more Heritage podcasts: https://www.heritage.org/podcastsSign up for The Agenda newsletter — the lowdown on top issues conservatives need to know about each week: https://www.heritage.org/agenda Hosted on Acast. See acast.com/privacy for more information.

** Don't miss out on an extra $5 rebate for all commercial VSP Eye Exams between now and the end of 2023. Visit www.pecaaexamrebate.com now!**Your practice and business is only as successful as the quality of team members you employ. Searching for, interviewing, and hiring great candidates is one piece of owning a business that consumes a lot of energy and time for owners and managers. Hiring for attitude is an important key to success in advancing your business and practice culture. Key Takeaways:The Bureau of Labor & Statistics job report for august showed an increase in unemployment rate and increase in hiring in healthcare, providing a better opportunity currently for practices to find good candidates.Hiring for attitude begins with defining your practice culture and what a great candidate/ employee looks like.During the interview, ask behavioral based questions that uncover their attitudes and passion that align with what you want in your practice.Asks similar behavioral based questions when you're checking references. Validate the types of experiences and behavioral responses the candidate shared during the interview.Always be hiring and on the lookout for good candidates in other places you do business on a regular basis. 

On this episode we welcome Newton Cheng back to the podcast, but this time he's taking over hosting duty! In his previous episode we focused on what military human performance could learn from corporate wellness, but he wanted to turn the tables and find out what corporate wellness could learn from military human performance. Newton is a father, world-class powerlifter, engineer, and Google's Director of Health and Performance. In his work, he leads a team with the mission to support the physical, mental, social, and spiritual health and well-being of Google's global workforce. At the time this episode is publishing, he's also just a few days out from competing in primetime at USAPL raw nationals. If you're curious to learn more about his (impressive) powerlifting, check out his Instagram page. This wide ranging conversation is all about helping someone with an outside perspective understand how the military approaches human performance, including both the good parts and the bad parts. We hope this will become a continuing conversation, since we have a lot to learn from each other in this space. In our discussion about spirituality we recommended Soul Boom by Rainn Wilson, which you can find here. In our attempt to define both corporate wellness and military human performance we cited several sources, those are: Human Performance Optimization: A Framework for the Military Health System Booz Allen's Human Performance Training for Military Missions RTI International's Military Health and Human Performance Human Performance Resources by the Consortium for Health and Military Performance (CHAMP) Bureau of Labor Statistics' What attributes characterize a successful corporate wellness program?

  Landaas & Company newsletter  September edition now available. Advisors on This Week's Show Kyle Tetting Art Rothschild Mike Hoelzl (with Joel Dresang, engineered by Jason Scuglik) Week in Review (Sept. 4-8, 2023) Significant Economic Indicators & Reports Monday Markets and government agencies closed for Labor Day Tuesday The Commerce Department said factory orders declined in July for the first time in five months. The measure of demand for manufactured goods slipped 2.1% after gaining 2.3% in June. Through the first seven months of 2023, orders were up a mere 0.5% from the year before. Excluding requests for transportation equipment, which has an outsized effect on the indicator, orders rose 0.8% from June but were down 1.6% from July 2022. Orders for core capital goods, a proxy for business investments, rose 0.1% for the month and were up 2.3% from the year before. Wednesday The U.S. trade gap widened by 2% in July to $65 billion. Exports rose 1.6% from June, led by automotive vehicles. Imports increased 1.7%, led by cell phones, semiconductors and industrial supplies. The Bureau of Economic Analysis reported that through July, the deficit declined 21% from the year before with a 1.6% gain in exports and a 4.3% drop in imports. The U.S. service sector expanded in August for the eighth month in a row and at the fastest pace since February. The Institute for Supply Management said its survey of purchasing managers showed general optimism toward business and economic conditions with signs of accelerated growth. The trade group said the index suggested the U.S. economy was growing at an annual rate of 1.6%. Thursday The four-week moving average of initial unemployment claims fell for the first time in four weeks, dropping to 38% below the 56-year average, a sign that employers continue to be reluctant about letting workers go. The Labor Department reported that total claims stayed steady from the week before at 1.7 million, which was up 28% from the year before. Worker productivity rose at an annual rate of 3.5% in the second quarter, according to the Bureau of Labor Statistics. That was down from a previous estimate of 3.7%. The annual rate of output rose 1.9% in the quarter while the hours worked sank 1.5% - the    first quarterly decline in three years. Since the second quarter of 2022, productivity rose 1.3%, the first such increase since the end of 2021. That 1.3% matched the annual rate of productivity growth since the end of 2019, which was slightly below the pace during the previous economic cycle, which started in 2007. Friday No significant reports MARKET CLOSINGS FOR THE WEEK Nasdaq – 13762, down 270 points or 1.9% Standard & Poor's 500 – 4457, down 58 points or 1.3% Dow Jones Industrial – 34577, down 261 points or 0.7% 10-year U.S. Treasury Note – 4.26%, up 0.08 point Not a Landaas & Company client yet? Click here to learn more. More information and insight from Money Talk Money Talk Videos Follow us on Twitter. Landaas newsletter subscribers return to the newsletter via e-mail

You've heard of the glass ceiling, which describes the invisible (are they really?) barriers women face when advancing in their professional careers or organizational hierarchies. But did you know that racialized women (or we can use the term women of color, feel free to change as you see it) face different barriers made up of completely different (and more solid) material? The US Bureau of Labor Statistics reported the percentage of women participating in the workforce in 2022 was 56.8. This means that women make up more than half of the nation's workforce, and yet the playing field remains unbalanced. In this episode we talk about the concrete and bamboo ceilings for women of color with (name of guest & title), and how we can use our (invisible) sledgehammers to shatter them.

“Hedonic adjustment” is a curse word among those who think that inflation figures are all scrubbed to look nice by the Bureau of Labor Statistics (if they are, the BLS did a pretty rotten job of it over the last couple of years!), but it is not nearly as sinister as you might think it is. In this episode, the Inflation Guy goes inside-baseball again to explain hedonic adjustment, and the offsetting effect that no one ever seems to complain about because it pushes inflation higher. It's okay to hate inflation, but don't blame hedonic adjustment! Or the Inflation Guy. He's just the messenger.   NOTES To Subscribe to Quarterly Inflation Outlook: https://inflationguy.blog/shop/ Podcast Callback: Ep. 4: The Making of an Inflation Index Website reference: BLS Link to Hedonic Adjustment Q&A Website reference: BLS Link to Hedonic Adjustment for Men's Suits Research reference: Johnson, D.S., S.B. Reed, and K.J. Stewart . 2006. “Price Measurement in the United States: a Decade Aftert he Boskin Report.” Monthly Labor Review 129 (5): 10–19.

First, there were spy balloons flying over the United States. Now, Chinese citizens posing as tourists are spying on American military bases. The Federal Bureau of Investigation and Department of Defense have reportedly tracked over 100 incidents of this in recent years, raising red flags that Beijing is using non-traditional means to gather intelligence on U.S. soil. However, many spies walk away with trespassing charges rather than espionage. As threats continue to rise, Congress is looking to enact legislation on the issue, but the Chinese Embassy in Washington, DC, says the allegations are ill-intentioned. Former CIA Chief of Station Dan Hoffman joins the Rundown to explain "the new Cold War" with China, why Xi Jinping is trying to control battlespace across the world, and the national security risks of American military intelligence falling into the wrong hands. Police staffing shortages have become a very real problem, not just in America's big cities but in small towns as well. In the middle of August, the entire police department in Goodhue, Minnesota, resigned, citing a lack of fair compensation and the burden of a scarce supply of new officers. Police departments across the nation have been grappling with a critical staffing shortage, as the U.S. Bureau of Labor Statistics' data shows a consistent decline in law enforcement jobs starting in 2020. Whether it be Los Angeles, Austin, Philadelphia, or a small town in the Midwest, all communities are experiencing difficulty attracting police officers. But why is this? Goodhue, Minnesota's Sheriff Marty Kelly joins to break down what led to the disbanding of his town's police department, the critical obstacles stations face during police recruitment, and what needs to change to bring people back to the profession of law enforcement.   Plus, commentary by New York Post columnist Karol Markowicz. Learn more about your ad choices. Visit megaphone.fm/adchoices

A supervisory economist for the Bureau of Labor Statistics, Renee Hersey, joined the America's Work Force Union Podcast to discuss the process for documenting data and looked at 2023's preliminary findings for major work stoppages in America. Hersey also discussed the industries leading the way for stoppages and the number of workers involved.              Executive Director of the United Labor Agency, Dave Megenhardt, joined the America's Work Force Union Podcast to talk about a new educational program now available through the agency, the benefits it provides workers and the upcoming ULA UnSung Heroes Dinner.

The public school system in the U.S. lost at least 300,000 public school teachers and administrators between February 2020 and May 2022, according to the Bureau of Labor Statistics. Post-pandemic, some of that strain has abated, but many of the underlying causes for quitting, burnout and other mental health challenges remain. At the start of the school year, we speak to Houston-based middle school teacher Crystal Frommert about the unique challenges and anxieties that teachers face in their profession and what she's learned about better handling those challenges.  You can check out her book here: https://www.amazon.com/When-Calling-Parents-Isnt-Your/dp/B0BZFLDRSR#:~:text=When%20Calling%20Parents%20isn't%20Your%20Calling%20is%20a%20how,night%2C%20conferences%2C%20and%20more

First, there were spy balloons flying over the United States. Now, Chinese citizens posing as tourists are spying on American military bases. The Federal Bureau of Investigation and Department of Defense have reportedly tracked over 100 incidents of this in recent years, raising red flags that Beijing is using non-traditional means to gather intelligence on U.S. soil. However, many spies walk away with trespassing charges rather than espionage. As threats continue to rise, Congress is looking to enact legislation on the issue, but the Chinese Embassy in Washington, DC, says the allegations are ill-intentioned. Former CIA Chief of Station Dan Hoffman joins the Rundown to explain "the new Cold War" with China, why Xi Jinping is trying to control battlespace across the world, and the national security risks of American military intelligence falling into the wrong hands. Police staffing shortages have become a very real problem, not just in America's big cities but in small towns as well. In the middle of August, the entire police department in Goodhue, Minnesota, resigned, citing a lack of fair compensation and the burden of a scarce supply of new officers. Police departments across the nation have been grappling with a critical staffing shortage, as the U.S. Bureau of Labor Statistics' data shows a consistent decline in law enforcement jobs starting in 2020. Whether it be Los Angeles, Austin, Philadelphia, or a small town in the Midwest, all communities are experiencing difficulty attracting police officers. But why is this? Goodhue, Minnesota's Sheriff Marty Kelly joins to break down what led to the disbanding of his town's police department, the critical obstacles stations face during police recruitment, and what needs to change to bring people back to the profession of law enforcement.   Plus, commentary by New York Post columnist Karol Markowicz. Learn more about your ad choices. Visit megaphone.fm/adchoices

September is Safety Month at the NAR. We have a great episode with Andy Tolbert to help you stay aware and keep yourself safe as you do your job. I am so glad to have Andy Tolbert in this episode with me today. Andy lives in Florida, where she's a speaker, real estate investor, and safety professional! So, join us for this episode about safety while selling!   [1:17] September is NAR Safety Month. The dangers to real estate professionals seem to be increasing — or are we just knowing more about the dangers? [2:17] Andy has been in real estate for 20-plus years. She is a Florida broker associate, a state-permitted instructor, and an instructor and member of the Florida REALTORS® faculty. She has trained loan officers and real estate investors and is a self-defense and firearms instructor.   [3:29] Andy and her husband have written a book called The Safer Agent. It's the real estate agent's guide to make a ton of money and be safer doing it! [4:54] Andy discusses her number one safety rule.   [5:37] Andy also teaches REALTOR® Safety and body language to law enforcement officers in Florida. [7:08] Andy shares information about why certain people were targeted. Prisoners who have been charged with attacks were asked this question.   [9:07] Andy discusses the fight-or-flight physiological response of your body to danger.   [13:39] Andy discusses the four levels of awareness.   [14:37] Deciding where you need to be on that level of awareness scale involves three things: Where you are, whom you are with, and what you are doing.   [17:07] Andy says you need to train yourself not to ignore your gut feeling.   [20:58] Andy always tells her classes that she's using the pronoun “he”, but it could be “she,” a child, an old person, or an animal that is used to get you to drop your guard.   [26:33] Andy discusses the steps to take before you show a house.   [40:28] How do you keep safe when entering a damaged home, such as from flooding or fire? Make sure it has first been officially inspected and found safe to enter.   [44:02] Facebook Marketplace is starting to have scams.   [51:21] Andy bought a property in mountain country. She discusses that going to a rural property is a big commitment.     [53:04] A lot of people don't realize how serious a matter REALTOR® safety is. According to the Bureau of Labor Statistics, in an average year, more than 50 real estate professionals die on the job for all reasons. [54:16] If you are a broker, Andy stresses that you bring safety standards and training into your office and be serious about it. Don't just make it a page in your new agent's manual.   [58:39] So, what was your takeaway thought? This may be a great episode to take to your broker to open or continue the safety conversation in your office.   [59:14] Please review your personal and office safety policy this month. It is Safety Month, so be thinking of safety this month and all the time!   [59:32] At Learning.REALTOR, the Center for REALTOR® Development offers a whole webinar series on safety for your benefit and you can use those if you need to develop a new policy. We want you to be safe.   Tweetables:   “They've gone into prison, and they've interviewed guys that are in prison for attacking people on the streets and they've said, ‘Why did you pick the person you picked?' And the answer is, ‘Because they weren't paying attention.'” — Andy Tolbert   “I'm never going to blame you for being a victim of something. However, let's look back at the situation. Was there something you could have done differently that wouldn't have made you a victim today? Usually, there's something you could have done differently.” — Andy Tolbert   “If you are a broker and you're listening to this, I want to super-duper stress to bring safety standards into your office. Bring safety training into your office. And be serious about it!” — Andy Tolbert   Guest Links: Andy Tolbert on LinkedIn The Safer Agent: The Real Estate Professional's Guide to Protecting Themselves & Their Customers, by Andy Tolbert   NAR Resource LinksNAR.realtor/technology NAR Safety Webinar Series “074: REALTOR® Safety Tips with Tracey Hawkins” “044: Safety Tips for REALTORS® with Donny Allen”   Additional Links:   FOREWARN®   Microcourses found at Learning.REALTOR. Use the coupon code PODCAST to obtain 15% off the price of any microcourse!   CRD@NAR.REALTOR Crdpodcast.REALTOR Learning.REALTOR — for NAR Online Education Training4RE.com — List of Classroom Courses from NAR and its affiliates CRD.REALTOR — List of all courses offered   Host Information: Monica Neubauer Speaker/Podcaster/REALTOR® Monica@MonicaNeubauer.com MonicaNeubauer.com FranklinTNBlog.com   Monica's Facebook Page Facebook.com/Monica.Neubauer Instagram Instagram.com/MonicaNeubauerSpeaks   Guest Bio   Andy Tolbert Andy has been in real estate for 20-plus years. She is a Florida broker associate, a state-permitted instructor, and an instructor and member of the Florida REALTORS® faculty. She has trained loan officers and real estate investors and is a self-defense and firearms instructor. About ten years ago, she was asked to bring safety training to the real estate world. She is now a real estate safety professional.

A Florida federal judge on Thursday dismissed a lawsuit claiming former President Donald Trump should be disqualified from serving a second presidential term due to the Jan. 6, 2021, Capitol breach. The judge said the attorney behind the suit lacks standing because he doesn't allege a "particularized" injury, but that state officials would have the standing.   More codefendants in the Georgia case against President Trump have pleaded not guilty. They include former New York City mayor and Trump attorney Rudy Giuliani, and Ken Chesebro, the alleged architect of the plan to submit alternate electors in the 2020 presidential election.   A leader of the Proud Boys was sentenced to 18 years in prison on Sept. 1 while another member got 10 years for their roles in the Jan. 6 Capitol Breach.   The U.S. economy added 187,000 new jobs in August, topping the consensus estimate of 170,000 and marking the third-weakest jobs report under President Joe Biden, according to the Bureau of Labor Statistics.   ⭕️ Watch in-depth videos based on Truth & Tradition at Epoch TV

Between now and 2031, the Bureau of Labor Statistics is projecting high growth in the accounting field, with about 136,400 openings each year. Growth like this is a fabulous sign for students looking for a stable and fulfilling career. In this week's episode, we're talking about all things accounting with passionate accounting educator, Lenice DeLuca!  Lenice currently works as an instructor at Immokalee Technical College in Southwest Florida, where she teaches courses in accounting operations and global logistics and supply chain technology. Previously, she spent nine years as a middle school teacher at Collier County Public Schools. Throughout her career, Lenice has developed a passion for career and technical education, and she is committed to helping her students gain the skills they need to succeed and thrive in our technology-driven world. Lenice has a bachelor's degree in accounting and an MBA and MA in international business.  In our episode, we talked with Lenice about her accounting teaching experience. We talk about the growth in the accounting field, and the skills accountants need to succeed. Lenice also gives advice for how to get students engaged in accounting (who knew Al Capone would come into play here), and the tools she uses to teach her students. Lenice is our expert for how to make accounting fun and interesting.  Learn more from Lenice on YouTube (https://www.youtube.com/watch?v=Qt3lJZXBack&t=4s).  You can also connect with her on LinkedIn: https://www.linkedin.com/in/lenice-deluca-73526a7a/.  Connect with your fellow educators, like Lenice, in our CERTIFIED Educator Community here: https://www.linkedin.com/groups/8958289/. Don't miss your chance to register for our annual CERTIFIED Educator's Conference here: https://certified.certiport.com/.