Podcasts about looking beyond

In this episode, Steve discusses alternative investments and why you might want to consider these investments, the different types available, their limitations and the trends shaping this dynamic landscape. Read the accompanying report https://av.sc.com/corp-en/nr/content/docs/wm-thematic-report-exploring-alternatives-looking-beyond-traditional-investments-30-april-2025.pdf to find out more.Speaker: - Steve Brice, Global Chief Investment Officer, Standard Chartered Bank

Les, Rodger, and Dave pick through another bad day at Stamford Bridge for the Toffees, albeit one with some positives. And given the squad overhaul needed in the summer and the quality in those mid-table Premier League teams, can Everton realistically look beyond mid-table next season? Make sure you don't miss out on our exclusive deal – head to nordvpn.com/blueroom and get an extra four months free when you sign up for the 2-year plan. And don't worry, there's no risk with NordVPN's 30-day money-back guarantee. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Fact number one: Your focus is in your control.Fact number two: Your focus is a critical factor in your success and harp happiness.Conclusion: What you focus on matters… a lot. In the last episode of the podcast, we were talking about focus in terms of placing your chords. I cited one of my favorite Zig Ziglar quotes, “You hit what you aim at.” I'm going to put a different spin on that today. We aren't going to talk about focusing on a goal exactly. We're going to discuss how to shift your focus to get you beyond a sticking point or a challenge. Here's my idea in a nutshell: when we focus on the hard thing, we lose perspective on why we are doing the hard thing to begin with. That can cost us a lot in terms of time, energy and enjoyment. Consider some of the things we focus on that can leave us with a feeling of letdown or even loss. We spend weeks preparing for Christmas, only to realize on December 26th that we didn't really remember to enjoy the day. Or we put days of effort into making a special meal - Thanksgiving dinner comes to my mind -  and everyone is finished their meal and watching the football game almost before we've sat down to our own plate. Or we prepare so much for a special performance that we don't know what to practice the day after it's over.  What about the things we focus on when we're practicing or performing? Are we focusing on the things that will help us grow and move us forward? Or are we only concentrating on the difficulties that are in front of us, whether those are wrong notes or stumbles or performance nerves? I believe that often we are looking through a microscope at too many of those moments, when we really should be using binoculars to see what lies ahead, beyond the hard part. Instead of going into the rabbit hole where our perceptions are distorted (that wrong note really doesn't matter that much!), we need a healthier perspective on what we're actually trying to do, so that we can get past the sticking point and get back to loving the music. Links to things I think you might be interested in that were mentioned in the podcast episode:  Register now for the “Sharpen Your Focus, Elevate Your Performance” Clinic Take lessons with a Harp Mastery® Certified Coach. Harpmastery.com Get involved in the show! Send your questions and suggestions for future podcast episodes to me at podcast@harpmastery.com  Looking for a transcript for this episode? Did you know that if you subscribe to this podcast on Apple Podcasts you will have access to their transcripts of each episode? LINKS NOT WORKING FOR YOU? FInd all the show resources here: https://www.harpmastery.com/blog/Episode-206  

Many individuals choose to rent properties, whether for personal residences or business premises. While renting may initially appear cost-effective, it can have detrimental long-term financial implications. Essentially, you are indirectly paying someone else's mortgage. It's time to break free from this cycle and invest in your own residential or commercial property. This show is designed to guide and empower you in strategizing and actualizing Your Real Estate Life. Discover a wealth of knowledge on real estate—whether you're just beginning, advancing, or expanding your portfolio. This radio program dives deep into the toughest questions, covering lending programs, interest rates, financial literacy, economic trends, and more. Equip yourself with the insights to become an informed decision-maker regarding your most valuable assets. Join us at the forefront of property ownership and unlock your full potential. Maximize your financial decisions by adopting the right approach when entering a 30-year loan and purchasing property. Learn how to convert debt into wealth efficiently—without compromising your lifestyle, resorting to unnecessary refinancing, or jeopardizing your well-being. Uncover smart strategies to reduce excessive payments to lenders and responsibly eliminate debt. You deserve the best in life; don't compromise your safety for real estate victories. This radio program serves as your guide to identifying red flags in the market. Carelessness could lead to unmanageable loans or crippling interest rates. Equip yourself with the knowledge, tools, and resources to navigate the unpredictable waters of property acquisition. By being well-educated about the industry, you can protect yourself from exploitation. This show ensures that you have everything you need to thrive. Meet Michael A. Harris, your radio host with more than 38 years of lending experience. He is the President and CEO of United Mortgage Corporation of America, a direct lending mortgage banking company operating and originating loans in California, Colorado, Montana, Texas, and Washington. Michael is passionate about helping others achieve financial comfort within their own homes. He tirelessly serves clients by eliminating years of mortgage interest. As a Senior Director and Certified Field Trainer at United Financial Freedom, Michael has dedicated himself to guiding families toward a debt-free life. In this radio program, Michael imparts invaluable advice, financial insights, and practical resources for effectively managing your loans and transforming debt into wealth. While he may not have authored the lending programs you're currently enrolled in, his objective is to enlighten you on proper repayment strategies. Though he is not a certified public accountant, attorney, estate planner, or realtor, he can connect you with top-notch professionals through his extensive business network, ensuring you receive the best possible assistance. The economy is dynamic and ever-evolving. You will encounter numerous external factors beyond your control and face challenging questions that test your knowledge. However, amidst these challenges, there are still opportunities to secure your real estate future. Start saving time and money today on your purchase or refinance with the perfect interest rate and plan tailored to you and your family. Discover how to navigate the complex loan selection and acquisition process to meet your unique needs. Break free from the grip of your landlord and start building equity through homeownership. When it comes to finding your dream neighborhood and elevating your financial status, having the right support is crucial. Find it all in this enlightening radio program today. Investment loans are available in all states except North Dakota (ND), Nevada (NV), South Dakota (SD), and Vermont (VT).

During this episode I chat with Lou Hardwick, a single mother and folk herbalist based on Gumbayniggir country on the mid-north coast of New South Wales. Lou's herbal creations focus on whole-plant, hand made remedies. She orients her offerings, and by extension her business, to the process of making itself. It's the presence and interaction with the plants and the process of creating that provides her with a powerful sense of self as well as the inspiration to share her love of this ever-evolving relationship with her community. She aims to empower others to lean into their plant curiosities by positioning themselves as the expert in their own senses and experiences while providing inspiration to take that first or next imperfect step towards working with plants in a way that savours both a sense of humour and reverence. In this podcast, Lou reflects on how even though small and consistent acts of self-care can be incredibly powerful, that in her experience its been the bigger yet fundamental decisions and life changes that have been her truest acts of self-care. In her story, it has been the hardest and most challenging turning points in her life that revealed the path to herbalism. Late last year Lou launched her first online education offering ‘Potent Herbal Oils' to great success, quickly transforming herbal infused oil making practices and results across her community.**SHOW NOTES**Lou shares some of her favourite teachers, including: Kami McBride- connect with Kami hereJacqui Bushell- connect with Jacqui here**CONNECT**Lou's Potent Herbal Oils Workshop is available to join at any time hereYou can get your hands on Lou's divine hand crafted herbal folk remedies hereYou can connect with JESS via instagram and facebook here and here,  join her newsletter community here, buy her handmade herbal products here or book an appointment here.**BUY ME A CUPPA**If you liked the episode and want more, a cuppa fuels my work and time, which is given for free. Leave a comment and a few bucks here: https://buymeacoffee.com/theeldertree**THE ELDER TREE TROVE PATREON COMMUNITY**You can join our Patreon ⁠⁠here⁠⁠ and gain a deeper connection to our podcast. Pay only $2 per week to have access to bonus and often exclusive resources and opportunities- plus support the Elder tree at the same time! To find out more about The Elder Tree visit the website at ⁠www.theeldertree.org⁠ and donate to the crowdfunding campaign ⁠here⁠.You can also follow The Elder Tree on ⁠Facebook⁠ and ⁠Instagram⁠ and ⁠sign up to the newsletter⁠.Find out more about this podcast and the presenters ⁠here⁠. Get in touch with The Elder Tree at:  ⁠asktheeldertree@gmail.com⁠The intro and outro song is "⁠Sing for the Earth⁠" and was kindly donated by Chad Wilkins.  You can find Chad's music ⁠here⁠ and ⁠here⁠.

America's Top Psychic Medium, James Van Praagh is interviewed about the deeper journey of the soul to the other side, opening up to the spirit world, 2025 predictions, U.S elections, E.T contact, and more. In this podcast, James Van Praagh & Emilio Ortiz explore the intricate relationship between grief, spirit communication, and the evolution of human consciousness.James Van Praagh is hailed throughout the world as a pioneer of the mediumship movement and considered one of the most widely recognized and accurate spiritual mediums working today.A “survival evidence medium,” he provides evidential proof of life after death through highly detailed messages from the spiritual realm. He is recognized annually on Watkins List of the 100 Most Spiritually Influential Living People – a prestigious list of spiritual teachers, activists, authors, and thinkers. He has worked with international heads of state, religious world leaders, and celebrities including Cher, Goldie Hawn, Shirley Maclaine, Ellen DeGeneres, Joan Rivers, Katie Couric, Loretta Lynn, Chelsea Handler, Jennifer Love Hewitt, Wesley Snipes, and so many more. The #1 New York Times best-selling author of over a dozen international best-sellers, including his debut, Talking to Heaven, Van Praagh's book titles include: Talking To Heaven, Reaching to Heaven, Healing Grief, Heaven and Earth, Looking Beyond, Meditations, Ghosts Among Us, Unfinished Business, Growing Up In Heaven, Adventures of the Soul, How to Heal a Grieving Heart, and The Power of Love.Several years back, he launched The James Van Praagh School of Mystical Arts which offers a variety of multimedia online learning experiences. He was the host of his own internationally syndicated television show, Beyond, and was a successful producer for CBS, creating a mini-series based on his life, Living with the Dead starring Ted Danson, and the very successful movie of the week, The Dead Will Tell starring Eva Longoria. He was also the executive producer of CBS's long-running series The Ghost Whisperer starring Jennifer Love Hewitt.___________________PODCAST CHAPTERS00:00 - James Van Praagh Intro02:01 - Discussing Human Rights and Voting in the U.S.03:46 - Soul Rights vs. Human Rights07:37 - Incarnating as Advanced Souls09:54 - Life Review and Consequences of Actions11:02 - Exploring Spiritual Realms and Spheres16:29 - Materializing Memories in the Afterlife18:39 - Soul's Journey After Death27:59 - Healing Grief and Spirit Communication33:18 - Mass Exodus of Souls and Purpose Behind World Events36:15 - Higher Purpose of Potential World Conflicts39:40 - Divine Will vs. Human Free Will44:38 - Aligning with Destiny Points48:29 - Power Without Ignorance53:23 - The Significance of Upcoming U.S. Elections57:30 - Preparing Humanity for Open Contact with Extraterrestrial Beings01:02:19 - Voice Frequency and Spirit Connection01:10:47 - The Joy of Teaching and the “Light Bulb” Moments01:17:20 - Advanced Lessons Humanity is Meant to Learn___________________Guest: James Van Praagh | World Renowned Psychic Medium✦ Website | https://vanpraagh.com/✦ JVP School of Mystical Arts | https://jvpschoolofmysticalarts.com/✦ Books & Cards | https://vanpraagh.com/books/✦ Live Events | https://vanpraagh.com/events/✦ Instagram | ​⁠   / jamesvanpraagh   YouTube | ‪@vanpraaghdotcom‬ Host: Emilio Ortiz✦ Instagram |   / iamemilioortiz  ✦ Subscribe to YouTube Channel | ‪@EmilioOrtiz‬ ✦ Watch Emilio's latest series on 4biddenknowledge TV l https://bit.ly/AwakenThe6thSense© 2024 Emilio Ortiz. All rights reserved. Content from Just Tap In Podcast is protected under copyright law.Legal Disclaimer: The views, thoughts, and opinions expressed by guests on Just Tap In are solely those of the guest and do not necessarily reflect the views or opinions of Emilio Ortiz or the Just Tap In Podcast. All content is for informational purposes only and should not be considered professional advice.

As we continue our series about alternative pathways into well-paying careers, Amy Volz, head of workforce innovation at Trane Technologies, a heating, ventilation, and air conditioning and refrigeration systems company with a focus on climate and sustainability, and Ebony Thomas, managing partner at Grads of Life, a nonprofit that connects top employers with people in the talent pool those employers might have otherwise missed, talk about the proactive steps some employers have taken to embrace candidates who have  skills earned through boot camps and other micro-credentialing programs despite no college degree.Support of WNYC's coverage of economic mobility and opportunity is provided in part by the Bill & Melinda Gates Foundation. For more information about how the Gates Foundation supports economic mobility and opportunity, visit usprogram.gatesfoundation.org.

Daniel talks about the lacklustre earnings' prospective in the “real economy” sectors in China, the current prospects in the property sector, and how investors may position their portfolio.Speaker: - Daniel Lam, Head of Equity Strategy, Standard Chartered BankFor more of our latest market insights, visit Market views on-the-go or subscribe to Standard Chartered Wealth Insights on YouTube.

Nissan Motor Co. will seek a new partnership even with a firm outside the auto industry following the breakdown of merger talks with Honda Motor Co., incoming Nissan President Ivan Espinosa said in a recent interview.

The workforce is increasingly exploring learning opportunities outside of the four-year college degree, such as vocational training and apprenticeships. However, organizations struggle to adapt their talent processes to a workforce with changing demographics and preferences. Kathleen deLaski, author of “Who Needs College Anymore? Imagining a Future Where Degrees Don't Matter,” joins the Talent Angle to discuss how organizations can keep pace with an evolving workforce. By creating alignment between recruiting, training and education, organizations can build talent pipelines that strengthen their workforce and grow the economy. Kathleen deLaski is an education and workforce designer, and futurist. She founded the Education Design Lab to help colleges reimagine higher education toward the future of work. Her nonprofit has helped 1,200 colleges, organizations and economic regions design new pathways for learners. She is a senior advisor to the Project on Workforce at Harvard University and teaches human-centered design and higher education reform as an adjunct professor in the Honors College at George Mason University. Previously, Kathleen worked as a journalist, including time as ABC News White House correspondent, and was a political appointment as the first female Pentagon spokesperson. Dion Love is a vice president of research and advisory services at Gartner. Dion is a labor market expert, focusing on global labor market trends and what they mean for organizations' talent and business strategies, as well as broader social and economic issues. In his work at Gartner, Dion advises clients on key aspects of talent acquisition, including talent acquisition function planning and management, talent needs definition and internal recruiting, employment branding and recruitment marketing, and talent sourcing and selection. He has co-authored more than 12 strategic research studies at Gartner. His work has been featured in the Harvard Business Review and industry publications, as well as Gartner HR Leaders Monthly and Smarter With Gartner.

After rising in the wake of the US election, valuations of US small-cap stocks have marked a pause. Geoff Dailey, Head of US Equities, tells Chief Market Strategist Daniel Morris he expects the new US administration's focus on manufacturing in the US to boost market sentiment.For more insights, visit Viewpoint: https://viewpoint.bnpparibas-am.com/Download the Viewpoint app: https://onelink.to/tpxq34Follow us on LinkedIn: https://bnpp.lk/amHosted by Ausha. See ausha.co/privacy-policy for more information.

Send us a text Episode Summary:  Virginia Hall was more than just a master of espionage—she was a leader who put others before herself, embodying the outward mindset in the most dangerous circumstances. In this episode, we explore how Hall's selfless dedication to the Allied cause, her deep connections with the French Resistance, and her ability to empower those around her made her one of World War II's most effective spies. How did her mindset shape her success? And what can we learn from her approach to leadership, service, and resilience? Tune in to uncover the incredible story of The Spy Who Served.Topics Covered:✅ Virginia Hall's early life and challenges✅ The loss of her leg and how it fueled her determination✅ Her role as a spy in Nazi-occupied France✅ How goals help people turn outward. Quotes:

This episode's guest is Wildfire's own Angela Firman - back for a second visit! She helps edit each issue of the magazine. Angela was diagnosed initially at 33 with Stage III hormone-positive breast cancer and she is now living with Stage IV metastatic disease. Angela is an avid reader, a closet-cross-stitcher, and a fervent writer. She also serves on the board of The Pink Boat Regatta - a local sailboat race and community dedicated to raising money for breast cancer research. In addition to working at Wildfire Magazine, Angela is an Associate Editor for Yellow Arrow Publishing, and her nonfiction writing has been published in Open Minds Quarterly, You Might Need To Hear This, and Press Pause. Angela reads her piece “A Train to Nowhere” from Wildfire Magazine's 2024 “Work & Career” issue. Her essay is about how sometimes cancer significantly changes a career path. April and Angela will discuss writing memoir in the third person, when suffering brings joy and living with MBC versus dying from MBC.More about Angela: https://www.instagram.com/angelafirman11/More about After Breast Cancer Diagnosis (ABCD):https://abcdbreastcancersupport.org/https://www.instagram.com/abcdafterbreastcancerdiagnosis/https://www.facebook.com/ABCDAfterBreastCancerDiagnosis/?ref=tshttps://www.youtube.com/channel/UCY4VHSTPyU1IYyT1fNesmAgPurchase the “Work & Career” issue of Wildfire Magazine: https://www.wildfirecommunity.org/shop/p/digital-body24If you liked this episode, you might like “Looking Beyond the Veil with Angela Firman, too: https://player.captivate.fm/episode/7630add0-ded8-43c0-9ad5-cacad940fd5b/Buy the Wildfire book Igniting the Fire Within: Stories of Healing, Hope & Humor, Inside Today's Young Breast Cancer Community: https://www.amazon.com/dp/B0BJVJ629F?ref_=pe_3052080_397514860Get the free Wildfire “Hot Flashes” email newsletter: https://www.wildfirecommunity.org/newsletter?rq=newsletterLearn about Wildfire writing workshops: https://www.wildfirecommunity.org/workshopsShop Wildfire merch & more: https://www.wildfirecommunity.org/shop*Free* Get Wildfire and The Burn freebies here: https://www.wildfirecommunity.org/freeMore about Wildfire Magazine: https://www.wildfirecommunity.orghttps://www.instagram.com/wildfire_bc_magazine/

Yesterday we got the first RBA rate cut in four years rate of a quarter-percentage point to 4.1% as inflation has eased from more than 6% to 3.2% underlying, but the bank also stressed it won't ease as aggressively as the markets anticipate and also flagged significant but as yet unquantifiable geopolitical and policy uncertainties … Continue reading "Looking Beyond The Rate Cut Hype…"

On this episode of the Functional Fertility Podcast, Dr. Kalea Wattles is joined by Functional Registered Dietitian Nutritionist Nicole Fennell to unpack the vital connection between thyroid health and fertility. If you're trying to conceive, you've likely heard about the importance of thyroid function—but did you know that even “normal” lab results don't always tell the full story? Nicole shares why some patients still struggle with infertility despite seemingly optimal thyroid levels, the key nutrients that support both thyroid and reproductive health, and what your body temperature might reveal about your hormones. Plus, we tackle listener questions on Hashimoto's, medication, and persistent hair shedding. If you're looking to optimize your thyroid for a healthy conception, this episode is a must-listen!

What should fellows be looking for when searching for their first job? In this episode, Dr. Melissa Murphy, an anesthesia-trained interventional pain specialist and private practitioner, shares expert advice on navigating employment contracts, identifying red flags, and setting yourself up for long-term success. From understanding fair compensation to recognizing non-negotiables, she breaks down the key factors that can make or break your first job. Learn more: https://apmsuccess.com/255             Watch the video: https://apmsuccess.com/255v    Need help with wealth management? Learn about APM Wealth's process, here: https://apm-wealth.com/services. Or, get our free guide explaining some of our key methods for building wealth with clients: https://apm-wealth.com/freedom  Or check out our webinar for helping practice owners optimize wealth building: www.apm-wealth.com/webinar 

Monday 2/3/25

Friday 1/31/25

In this additional installment of 'The Agents Angle' (episode 53) there is an in-depth look at FIFA's Annual Football Agents Report for 2023/24. From a reported 20% drop in agent commissions to the numbers behind agent licensing and suspensions, we unpack the evolving global landscape for football agents. Discover key insights into FIFA's agent exam, CPD and Agent Licensing chaos. Plus, shifting dynamics of player representation and club agent employment in international transfers. We also explore notable trends in emerging football markets, delve into licensing compliance issues, and address lingering questions the report leaves unanswered. Tune in for essential analysis and the implications for football agents navigating the changing world of football regulation and transactions.⚽ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EMAIL : ⁠⁠questions@theagentsangle.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SUPPORT THE SHOW via KoFi⁠⁠⁠⁠⁠⁠⁠⁠⁠ ====== SHOW RUNNING ORDER : (00:07) - Episode Introduction & Show Overview. > (02:51) - A More Thoughtful, Useful & Constructive FIFA Agents Report for 2023/24? > (04:59) - FFAR Related Observations from the Report. > (05:18) - What Do FIFA Deem 'Football Agent Services'? > (06:12) - Are FIFA Avoiding the Fact Agent Commissions Have Dropped by over 20%? > (06:54) - Agent Section on FIFA Website Seems Neglected - Including Agent Working Group Matters. > (09:14) - FIFA Stats Still Show Many International Transfer Don't Involve an Agent. > (10:15) - Looking at the More Intricate Details of the FIFA Agent Report. > (10:32) - Over 20,00 FIFA Football Agent Licensing Applications in 23/24, the Agent Exam & CPD. > (12:28) - 'Legacy' Agent Number & Football Agent CPD (Continued Professional Development). > (14:32) - Enforcement & Compliance of Football Agent Licensing and the Agent Exam. > (16:40) - FIFA Report 'Clarifies' Situation Surrounding 2616 Football Agent Suspensions? > (18:06) - FIFA Agent Exam Rule Breaches and Reporting. > (18:53) - Football Agent Licensing, Suspensions & CPD Updates. > (21:51) - Summing up Licensed FIFA Football Agent Numbers & Demographics. > (22:41) - Transactions, Transfer & Commissions Involving Agents. > (24:43) - Clubs Employing Agents in International Transfers & Transactions. > (25:59) - Looking Beyond 'Big' Football Markets e.g. Croatia, Poland & Serbia Benchmarking. > (28:08) - A Saturated Football Agent Market and More and More Club Agents? > (31:42) - Player Agent Representation Being Neglected? - Small Percentage of International Transfers Involve a Player Agent. > (34:45) - A Few Observations the FIFA Agent Report Still Leaves a Lot of Questions Unanswered. > (39:17) - Which Agent Groups and Markets are Busiest and Most Lucrative. > (40:32) - FIFA Drop Their Flawed Argument on Solidarity & Training Compensation. > (41:21) - National Football Agent Aspects from the FIFA Agent Report. > (43:03) - Disclaimer > ====== RELATED LINKS : FIFA Football Agents Report – December 2024 (PDF) ------ ⁠FIFA Football Agents Reporting⁠ FIFA Football Agents Working Group ((F)AWG) ====== FEATURED ARTICLES & POSTS : Croatia, Serbia & Poland 'Benchmarking' on FIFA Football Agents Report 2024 (- by Hrvoje Čabraja) ====== EVENT & ANNOUNCEMENTS -------- ===== SHOW LINKS: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠WEBSITE : ⁠⁠⁠⁠⁠⁠www.theagentsangle.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠Bluesky⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter (X)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ====== CREDITS : Theme Music : Agent Red by Abbynoise Music from #Uppbeat : https://uppbeat.io/t/abbynoise/agent-red

While on the campaign trail, President-elect Trump didn't just promise to extend the tax cuts he passed with the Tax Cuts and Jobs Act (TCJA) in 2017, he promised additional tax breaks for Americans. Ranging from the removal of taxes on tips and overtime for workers to reductions in corporate rates for businesses, tax legislation in the next administration will have wide-reaching effects. Our tax policy team breaks down these proposals and discusses their likelihood of inclusion in reconciliation legislation.

Show Notes: In this episode of Unleashed, Will Bachman interviews Bart Sayer, an expert on the beauty industry. Bart worked for nine years at the Estée Lauder Companies, most recently as the International General Manager for one of its largest brands, Clinique, managing the $1B P&L. Previously, Bart was a partner at Booz & Company (now Strategy&, part of PwC), focused on strategy and commercial transformation in the Consumer & Retail sectors. The conversation focuses on understanding the structure of the beauty market and the main drivers of value creation.   The Beauty Industry Explained Bart explains that the beauty industry is divided into four main categories: skincare, makeup, hair, care, and body. The market is divided into luxury and mass segments, with luxury beauty expected to grow between six and 8% in the foreseeable future. Taking the example of the United States, mass brands are more likely to be found in drugstores, such as Walgreens and CVs. Premium brands are more available in department stores or specialty multi, such as Sephora and Ulta, and a third channel being direct to consumer. At Estee Lauder they believed that distribution defines your equity, so prestige brands are careful about where they appear, hence the careful consideration and strict conditions associated with entering a channel like Amazon. Looking beyond the NA market, Travel Retail has been an important growth vehicle for luxury beauty brands over the past decade, though this growth has tempered in the past few years. Future growth of the beauty industry will remain defined by its two largest markets, the United States and China, while up-and-coming middle market countries will also represent attractive opportunities (e.g., India, Mexico, Brazil).   Manufacturing, Testing and Ingredients The ingredients in mass and prestige products can differ in terms of the scarcity or rarity of the actives, including use of proprietary ingredients and formulations. Formulation philosophies vary widely across different entities. Many brands, for example, put extra protections in place to ensure product safety for sensitive skin and/or to conduct rigorous allergy testing. Bart discusses the importance of clinical testing in product and research development, highlighting that it is a high barrier to entry for indie brands. He also discusses the evolution of more nimble production models, including the prevalence of contract manufacturers that can manufacture the latest ingredients and bespoke formulations in quicker and more cost-effective ways than many of the brands themselves. This approach is not binary, as L'Oreal has over 40 different manufacturing facilities worldwide. Before leaving the manufacturing discussion, Bart quickly hit upon another topic, that of the evolution to more earned media-led marketing models, whereby companies seize organic market buzz before amplifying these messages with paid media. Local vs. Global Adaptation The concept of local versus global adaptation is crucial in the beauty industry. Brands must find a locally relevant articulation of their brand essence. Large media companies often have global ambassadors who can speak for the brand, but if a local face is not available, the brand may not get the traction needed. To succeed, brands must be more reactive to local market trends, deploying local influencers, tailored messaging and selecting locally relevant forums for generating PR, both online and offline.   Indie and Newer Brands The conversation turned to the shift towards indie and newer brands in the beauty retail industry. The reasons behind the growth of the indies include lower barriers to entry on social media channels, an agile marketing model, the wide availability of contract manufacturers, and channel partners like Sephora that are focused on curating exclusive collections of the next “it” beauty brands. Often for these indie brands, the problem is not the launch itself (recruitment), but the stickiness (retention). Many of these companies struggle with repeat purchases, which are the key to success.   Sales and Distribution in the Beauty Industry Bart discussed several high growth channels, including Sephora, a leading premium beauty retailer owned by the LVMH group, travel retailer and beauty e-tailers such as Zalando and Notino. Traditional points of distribution, such as department stores and perfumeries, have seen slower growth, especially in the West (and far less so in the East). Whatever the channel, the importance of constructing good “self-navigating experience” for prestige consumers is key. Across many of these newer retailers, clean beauty is a key theme, as is green and sustainable, free of parabens, sulfates, certain ingredients and fragrances. This raises the bar for brands to prove their bona fides in terms of ingredient publishing and sourcing. The conversation then pivoted to challenges in the supply chain, including shelf life of products (especially for consumers in the East) and SKU proliferation.   Demand Forecasting Robust demand forecasting is crucial for brands to succeed to avoid out-of-stock situations and, conversely, the proliferation of excess. This can be particularly problematic when trying to create buzz and excitement with limited edition collections such as those sold over the holidays. Given profit, brand equity and sustainability concerns, rands have increasingly tried to err on the side of caution in their forecasts (FOMO). SKU periphery proliferation is another issue that brands are constantly fighting, seeking a balance between getting new out there while staying consistent and building out their portfolio. Store Design and Staffing Models In department stores, cosmetics brands often have significant control over the design of their stores, including all signage, key visuals and other elements of visual merchandising (e.g., gondola design, planogram setup). Done correctly, these can be huge differentiators. Unsurprisingly, prestige beauty brands have armies of store design, visual merchandising and staff (beauty advisor) education teams. Cost sharing with retail partners – CAPEX, staffing, promo – vary by channel and partner, thus representing a critical point in commercial negotiations (along with other topics like trade margin).   The Lucrative Nature of the Beauty Industry  The cosmetics industry is a highly lucrative business with operating profits ranging from 10 to 25%. Gross margins can be 65% or more, depending on the brand and the type of product. Highest gross margin categories include skincare and luxury fragrances. However, there is no room for complacency, with many waging a constant war to lower the cost of goods through a combination of gross to net improvements, price increases, mix optimization, promo efficiencies and, of course, manufacturing savings. A hero-product focus is needed to get scale, thus providing ballast for marketing investments. Premiumization trade trends are continuing across categories and subcategories, with no sign of these trends abating.  Timestamps: 03:30: Structure of the Cosmetics Industry and Market Segments 05:26: Specialty Channels and Distribution Strategies  07:58: Differences Between Mass and Prestige Brands 10:06: Analyzing the Cosmetics Industry: Product and Research Development  13:44: Marketing and Consumer Insights 18:33: Sales and Distribution Channels 22:49: Operations and Supply Chain  31:57: Gross Margin Analysis and Financial Performance  Website Links: #1, Beauty Market Outlook: https://www.mckinsey.com/industries/consumer-packaged-goods/our-insights/the-beauty-boom-and-beyond-can-the-industry-maintain-its-growth #2, FDA Regulations of Cosmetics: https://www.fda.gov/cosmetics/cosmetics-science-research/product-testing-cosmetics #3, Risk of Indie Beauty Brands: https://cosmeticsbusiness.com/how-indie-beauty-brands-can-break-america#:~:text=Indie%20brands%20are%20greatly%20influencing,and%20most%20likely%20through%202025. #4, Beauty and Travel Retail: https://wwd.com/beauty-industry-news/beauty-features/tackling-beautys-travel-retail-conundrum-estee-lauder-loreal-clarins-bulgari-dfs-heinemann-1236682262/ #5, Green Beauty: https://www.forbes.com/sites/meimeifox/2023/12/22/green-glamour-12-clean-beauty-brands-leading-the-eco-revolution/ #6, Beauty & Supply Chain Challenges: https://www.voguebusiness.com/beauty/new-ingredients-higher-prices-reformulating-beauty-in-the-supply-crisis #7, QVC and Beauty: https://entm.ag/1wEfOci #8, Love, Indus (company referenced by Will and I during the discussion): https://loveindus.com/collections/shop?gad_source=1&gclid=Cj0KCQiAkJO8BhCGARIsAMkswyiVNdA36DRltbku4DqHeLj-dAbZxAfsVOWmkyEP6Ah9bsxaNi3L4g4aAqP4EALw_wcB Unleashed is produced by Umbrex, which has a mission of connecting independent management consultants with one another, creating opportunities for members to meet, build relationships, and share lessons learned. Learn more at www.umbrex.com.

Just when we think we understand how to scale a franchise, someone comes along and completely flips the playbook on its head. Enter Jeff Fenster, Founder & CEO of everbowl who looked at the traditional franchise model and said... checks notes... "Nah, I'm just going to build everything myself"? Excuse me? A franchise founder who manufactures their own equipment, runs their own construction company, AND imports their own ingredients? That's exactly what happened at Ever Bowl, and the results are kind of mind-blowing. We're talking 60% lower build-out costs, two-year payback periods, and franchisees actually making money (imagine that!). But here's the real kicker - while everyone's chasing fancy AUVs and store count milestones, Jeff's over here focusing on something revolutionary in franchising: actual profitability. Wild concept, right? In this episode, we dive into how Jeff built this vertically integrated franchise powerhouse, why he thinks AI is about to turn site selection on its head, and what it really takes to hit that elusive 100-unit milestone that only 4% of franchises ever reach. Plus, he shares some brutally honest advice about what you should be asking (but probably aren't) before signing that franchise agreement. Connect with Closed Monday Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@closedmondaypodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: Closed Monday Email: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠kyle@four-turns.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Special Offers Take a screenshot of you listening to the show, and tag @closedmondaypodcast, and I'll send you a FREE Closed Monday t-shirt. Subscribe & Share If you found value in this episode, please subscribe and share it with your friends and network. Your support helps us bring you more actionable insights every week!

Do you have days when you feel like you just can't do this anymore and that maybe you're just not up to the job? Maybe you feel criticised, judged and completely unsupported as you try your hardest to find a solution to make things better....? Parenting a teen with anxiety can feel like you are navigating a storm without a map. How many times have you questioned your approach or replayed every word said in anger, frustration, and despair? Do you have days where you feel like giving up or don't know how you will endure? You are not alone…. In this episode, we dive into the doubts, fears, and frustrations that come with parenting an anxious teen. And I will share how being ‘steady' is the most powerful tool you can harness. Tune in for the insights and analogies that will help to keep you grounded, let go of the pressure to ‘get it right', and show up for your teen with more confidence and calm - even when the waters get rough. Because if you love your teen, you are already up to the job. This is one you most definitely need to hear - listen today.   If you liked this episode, you might want to check out: Looking Beyond the Behaviour: A Lesson I Learned This Week 4 Quick and Easy Anxiety Relief Techniques for Your Teen   What to do next? Subscribe! Join the Mailing list  Get in touch! Or check out my Website   Exciting news! Your Teen, Anxiety and You has been listed as #3 in the top 35 Anxiety podcasts in the UK! Thank you to everyone who has subscribed and supported it so far.  Disclaimer: This podcast is for informational & educational purposes and is not intended to replace medical advice. The use of this information is at the listener's discretion and should not be used as a substitute for the advice of a physician, psychotherapist, or other qualified professional, diagnosis, or treatment.    

4th Sunday of Advent, Year C. 22nd Dec 2024. Sacred Heart Church, Paignton, by Fr Dylan James

Kris Voss-Rothmeier 

We all agree that sin is bad, but we are often more sympathetic toward sin than we are towards God. What I mean by that is this. If sin ends up killing somebody, we understand that. It makes us sad, but we expect it. After all, Paul tells us in Romans 6:23 For the wages of sin is death, ...But if we perceive that God has killed somebody for sinning, we get really upset about it. How can God do that? Sin can kill, and it's understandable. But God? ... that makes us angry.

First impressions and outward behaviors often tell only part of the story. As parents, we must resist the urge to make snap judgments, especially when it comes to our children's actions. A child's challenging behavior is often a window into deeper feelings, unmet needs, or unspoken struggles. Like skilled detectives, we need to look past the surface—beyond the defiant stance or sullen mood—to understand the true motivation beneath. Is that sudden outburst really about a broken toy, or does it stem from a difficult day at school? Does that unusual quietness reflect simple tiredness, or perhaps anxiety about an upcoming event? By holding our initial judgments lightly and taking time to understand the whole picture, we can respond with wisdom rather than reaction, and offer our children the support they truly need. Visit me at: https://rogersmithmd.com/ This has been a production of ThePodcastUpload.com

Eno and DVR are live at First Pitch Arizona. Max Bay, parent of Stuff+ joins the show to discuss a few changes with the latest update to the model. Danny Kirwin and Cooper Adams from the Red Sox organization stop by to discuss their path as undrafted college players into Boston's system and into the Arizona Fall League.Plus, Eno and DVR discuss a few of the biggest surprises relative to the Stuff+ model in 2024, and their preferred roster construction strategies as the 2025 fantasy baseball draft season gets underway.Rundown1:02 Is DIPS Theory Dead?9:46 Looking Beyond the Projections & Models for an Edge11:56 Predicting the Next Iteration of Changes to Stuff+18:59 Danny Kirwin & Cooper Adams Join the Show23:31 How Did Tread Help Danny & Cooper Make the Leap From College to Signing with Boston?29:26 Unique Challenges in the Arizona Fall League34:06 The Biggest Movers in the Updated Stuff+ Model43:03 What Is Your Ideal Roster Construction Approach as Draft Season Begins?60:29 Considerations for Players Returning From Second Tommy John SurgeryFollow Eno on Twitter: @enosarrisFollow DVR on Twitter: @DerekVanRiperemail: ratesandbarrels@gmail.com Hosted on Acast. See acast.com/privacy for more information.

Eno and DVR are live at First Pitch Arizona. Max Bay, parent of Stuff+ joins the show to discuss a few changes with the latest update to the model. Danny Kirwin and Cooper Adams from the Red Sox organization stop by to discuss their path as undrafted college players into Boston's system and into the Arizona Fall League. Plus, Eno and DVR discuss a few of the biggest surprises relative to the Stuff+ model in 2024, and their preferred roster construction strategies as the 2025 fantasy baseball draft season gets underway. Rundown 1:02 Is DIPS Theory Dead? 9:46 Looking Beyond the Projections & Models for an Edge 11:56 Predicting the Next Iteration of Changes to Stuff+ 18:59 Danny Kirwin & Cooper Adams Join the Show 23:31 How Did Tread Help Danny & Cooper Make the Leap From College to Signing with Boston? 29:26 Unique Challenges in the Arizona Fall League 34:06 The Biggest Movers in the Updated Stuff+ Model 43:03 What Is Your Ideal Roster Construction Approach as Draft Season Begins? 60:29 Considerations for Players Returning From Second Tommy John Surgery Follow Eno on Twitter: @enosarris Follow DVR on Twitter: @DerekVanRiper email: ratesandbarrels@gmail.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Sign up now to access the daily Notre Dame news and recruiting scoop on the Four Horsemen Lounge and all of the premium Notre Dame stories on IrishIllustrated.com!Get your first month for only $1.00 -- sign up today.What's on your mind?Talk about it at the Four Horseman LoungeSign up for our FREE Notre Dame NewsletterSubscribe to our Irish Illustrated Insider PodcastCheck out our YouTube channelLike us on FacebookFollow us on Twitter: @timprister @KevinSinclair_ @timomalleyND @jfreeman58@TomLoy247@JohnBrice1Download the CBS Sports App and get the latest Notre Dame news today.

Sustainability is a strategic imperative that can drive cost savings, optimize operations, and build resilience across the supply chain. But how can businesses effectively integrate sustainability into their core operations to achieve real results?In this episode, Scott W. Luton is joined by Evan Junker, Chief Growth Officer, and Tjeerd de Jong, Partner at Sparq360, to discuss actionable strategies for embedding sustainability into everyday supply chain management. From reducing greenhouse gas emissions to improving operational efficiency, they share practical examples of how companies are transforming sustainability from a compliance requirement into a competitive advantage.Evan and Tjeerd also explore the importance of cross-functional leadership alignment, the impact of EcoVadis scores, and how businesses can reduce payback periods on sustainability initiatives. Tune in to discover how to implement real-world sustainability solutions that not only protect the planet but also boost the bottom line.Jump into the conversation:(00:00) Intro(00:32) Discussing sustainability in supply chains and breaking old habits(01:48) The importance of sustainability in RFQs and market expectations(03:20) Insights from Sparq360's supply chain sustainability survey(05:00) Challenges companies face with sustainability programs(06:10) Cross-functional leadership for sustainability success(08:22) Building a strategy and setting measurable targets for sustainability(10:34) Achieving cost reductions and operational efficiencies with sustainability(12:09) Examples of sustainable practices in logistics and inventory management(13:48) The role of EcoVadis in sustainability certifications(15:35) Avoiding common pitfalls when implementing sustainability programs(17:50) How Sparq360 helps clients manage sustainability and optimize supply chains(19:22) Driving down emissions through smarter logistics strategies(21:06) The importance of collaboration with suppliers and partners(23:11) Understanding resilience in supply chain sustainability(25:34) Real-world examples of companies successfully optimizing sustainability(28:02) Practical ways to shorten payback periods for sustainability investmentsAdditional Links & Resources:Download your copy of the Summary of “2024 Supply Chain Trends and Attitudes” here: https://bit.ly/4ehyKqqConnect with Evan Junker: www.linkedin.com/in/evanjunkerConnect with Tjeerd de Jong: https://www.linkedin.com/in/tjeerd-de-jong-7129ab1/Learn more about SPARQ360: https://sparq360.com/Connect with Scott: https://www.linkedin.com/in/scottwindonluton/ Learn more about Supply Chain Now: https://supplychainnow.com Watch and listen to more Supply Chain Now episodes here: https://supplychainnow.com/program/supply-chain-now Subscribe to Supply Chain Now on your favorite platform: https://supplychainnow.com/join Work with us! Download Supply Chain Now's NEW Media Kit: https://bit.ly/3XH6OVkWEBINAR- Pedaling to Profit: Trek's Direct-to-Consumer Shipping Success Story: https://bit.ly/4gWMIzUWEBINAR- The ABCs of Cargo Security and Loss Prevention: https://bit.ly/3zAirpTWEBINAR- Supply Chain in 2025: Top 5 Labeling and Packaging Artwork Trends to Watch: https://bit.ly/3Y9FWiZWEBINAR- Future-Proof Your Logistics: AI-Powered Solutions for Competitive Edge: https://bit.ly/3BouB5EThis episode was hosted by Scott Luton and produced by Amanda...

John R. Beck, Professor of Percussion at the University of North Carolina School of the Arts, also teaches at Wake Forest University. He is the principal percussionist of the Winston-Salem Symphony and is a member of the Greensboro Symphony, Brass Band of Battle Creek, and the Philidor Percussion Group. A former member of the United States Marine Band, for 10 years he performed regularly with the National and Baltimore Symphonies, Washington and Baltimore Operas, and the Theater Chamber Players of the Kennedy Center. Beck has toured the United States as a xylophone soloist with the Jack Daniel's Silver Cornet Band, Brass Band of Battle Creek, and the New Sousa Band. John is a Past President of the Percussive Arts Society and presents clinics endorsing Yamaha percussion instruments, Zildjian cymbals, Innovative mallets, and is a Remo Endorsed Drum Circle Facilitator in the Health and Wellness community. In this episode, John talks about: What it means to play credibly How his thoughts on versatility vs. specialization have evolved  Questioning the relevance of knowing how to read a big band chart How getting good at drumset gives percussionists a better sense of internal time The advantages and baggage that came with being John Beck's son Valuing sound over everything, regardless of instrument or genre His time as president of PAS and helping the organization become more inclusive and outward-looking

Julie Dupré is a CBC Radio producer.

On the 92nd episode of the What is a Good Life? podcast, I am delighted to introduce our guest, Rachel Donald. Rachel is the creator of Planet: Critical, the podcast and newsletter for a world in crisis with 15,000+ subscribers from 160 countries. Planet: Critical connects the dots of science, art, language, politics, media, philosophy and power to reveal the big picture. Rachel speaks internationally on this ecosystem as an independent researcher and writer. Alongside Planet: Critical, her world exclusive investigations into climate corruption have been published in The Guardian, Al Jazeera, Mongabay, The Intercept, Byline Times and the New Republic.In this wonderful conversation, Rachel takes us on her journey of looking beyond the veil, as for her, the world never seemed the way people said it was. She shares her experiences of questioning what is real and true, letting go of certainty, becoming more aware of and focused on the relationships between everything, and the joy that comes from doing work you love that serves others. She also explores finding ways to engage with the world while staying true to your own nature.This entire conversation is filled with insights and realisations that deeply connect to experiencing a fulfilling life, while Rachel's path may inspire you to think more critically and to reflect on what you are actively questioning and choosing in your own life.Subscribe for weekly episodes, every Tuesday, and check out my YouTube channel (link below) for full interviews and clips.For further content and information check out the following:Rachel's Website: www.planetcritical.comRachel's LinkedIn: https://www.linkedin.com/in/rachel-donald/- For the What is a Good Life? podcast's YouTube page: https://www.youtube.com/@whatisagoodlife/videos- My newsletter: https://www.whatisagood.life/- My LinkedIn: https://www.linkedin.com/in/mark-mccartney-14b0161b4/Contact me at mark@whatisagood.life if you'd like to explore your own lines of self-inquiry through 1-on-1 coaching, take part in my weekly free silent conversations, discuss experiences I create to stimulate greater trust, communication, and connection, amongst your leadership teams, or you simply want to get in touch.00:00 Introduction02:52 Not holding onto answers or certainty08:02 The shift towards accepting uncertainty11:12 Getting out of our way to grow14:52 No decision is permanent17:52 Making big decisions with clarity24:12 Empowered to choose your own struggle28:22 Sensing something wasn't true31:52 Seeing the world differently36:52 Engaging with the world while remaining who we are43:02 New ways of lifting the veil47:22 A network of responses50:32 Developing empathy for different perspectives56:22 What is a good life for Rachel?

Do you want to buy your first rental property but can't find affordable real estate in your area? You're not alone! As a science teacher living in New York City, Lauren Mattina was priced out of her own market. But a simple move helped her find a cash-flowing property and brought her one step closer to financial freedom, and YOU could do the same! Welcome back to the Real Estate Rookie podcast! Lauren never had a high-paying job, but she knew that real estate investing could give her the option of early retirement. So, she continued living below her means and saved for her first property. With NYC out of the question, she turned her attention to Oklahoma City, where she found, bought, rehabbed, and rented out her first single-family home! Are you being priced out of your own backyard? In this episode, Lauren will show you the steps she took to choose an out-of-state market, analyze her first deal, and build an out-of-state investing team. You'll learn the secret to overcoming analysis paralysis, how to properly vet a property manager, and how to get your offers accepted in a hot market! In This Episode We Cover: How Lauren bought her first rental property (on a teacher's salary) Analyzing rental properties (and markets) as a complete beginner How to find up-and-coming, out-of-state markets to invest in The number one thing that will help you overcome analysis paralysis The “rule of three” to follow when building your real estate investing team How to make your offers more enticing in a competitive market And So Much More! Links from the Show Ashley's BiggerPockets Profile Tony's BiggerPokckets Profile Join BiggerPockets for FREE Real Estate Rookie Facebook Group Ask Your Question on the BiggerPockets Forums BiggerPockets Team Builder Buy the Book “Long-Distance Real Estate Investing” Find an Investor-Friendly Agent in Your Area How to Choose an Out-of-State Market for Investment (in 3 Easy Steps!) Connect with Lauren (00:00) Intro (01:13) Why Real Estate? (06:55) Lauren's First Deal (13:25) Out-of-State Investing 101 (20:34) How to Build Your Team (25:12) Buying the Next Property (28:35) Advice for New Investors (29:20) Connect with Lauren! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-470 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Where are we currently in the credit cycle? Why might issuers be delaying their day of reckoning? And how are investors using demographic shifts to find new opportunities in the real estate market? In the latest episode of The Insight: Conversations, Robert O'Leary (co-CEO), Steve Tesoriere (Co-Portfolio Manager, Value Opportunities), Kenya Williams (Senior Real Estate Product Specialist), and Nicole Adrien (Chief Product Officer and Global Head of Client Relations) discuss these and other topics from the recently published edition of The Roundup: Top Takeaways from Oaktree's Quarterly Letters.You can listen to the September 2024 edition of The Roundup in the previous episode in this feed, or read it here (https://www.oaktreecapital.com/insights/insight-commentary/market-commentary/the-roundup-top-takeaways-from-oaktree-s-quarterly-letters-september-2024-edition).

Matt Palaoro sits down with Brenna Copeland, Chief Financial Officer for Jeffco Public Schools to break down school finance into something everyone can understand. Brenna's expertise and sense of humor make navigating the maze of school funding and budgets not only manageable but surprisingly fun. From property taxes and mill levies to how schools decide between hiring more teachers or adding electives, this episode covers it all—without the jargon overload. Whether you're a parent, educator, or just curious about where your tax dollars go, Brenna helps make it clear how school budgets impact every classroom. Plus, you'll learn how you can have a voice in these financial decisions. If you've ever wondered how schools get funded and how that impacts your community, don't miss this episode. We promise it's not just numbers—it's about shaping the future of education in a way that makes sense for everyone.

 Gladys Lopez, a recent graduate of BYU's Master of Public Health program, is passionate about family health, women's health, and promoting public health within family systems. In this episode, she joins Cougar to share her experiences working with inmates struggling with substance use disorders. Gladys reflects on how this work taught her to look beyond outward appearances and truly connect with the individuals behind the challenges they face. Learn more about the Foundation for Family Life that Gladys has been working with by going to: https://fflut.org/Recorded, Edited & Produced by Jessie Carter, Isabella Loosle, and Tanya Gale

On this episode of Take the Stage, presented by Haley Marketing, Brad Bialy sits down with Kim Henderson, Managing Director of Cobalt Compass Solutions. With nearly 30 years in the staffing industry, Kim shares powerful insights on common mistakes staffing firms make when acquiring new clients and how to develop a strategic mindset to establish deeper, lasting relationships. Kim dives deep into strategic client acquisition for staffing firms, covering key topics like defining your ideal customer profile, the power of specialization, and building long-lasting partnerships. Learn how to move beyond transactional relationships, ask the right questions, and add true value to your clients. Don't miss Kim Henderson's actionable advice on refining your sales process and establishing your firm as a go-to resource in a competitive market. KEY MOMENTS [02:18] Identifying the Ideal Client Profile Kim outlines the importance of targeting the right clients and avoiding the trap of taking on business that doesn't align with your firm's strengths. [05:07] The Courage to Say No Kim shares strategies for assessing client fit and having the courage to turn down business when it doesn't meet your criteria. [07:58] The Power of Specialization Kim and Brad Bialy discuss the value of niche specialization and the pitfalls of being a generalist in the staffing industry. [11:29] Turning Client Meetings into Action Kim explains the importance of asking the right questions and following up effectively to convert meetings into real opportunities. [16:23] Looking Beyond the Immediate Order The conversation shifts to strategic planning and the value of thinking long-term with potential clients, rather than focusing solely on immediate needs. [22:16] Building Loyalty Through Feedback Kim emphasizes the role of collecting and acting on client feedback to build stronger relationships and create long-term loyalty. [25:26] Moving from Transactional to Strategic Partnerships Brad and Kim explore how to become indispensable to clients by providing value beyond job placements. [29:42] The Importance of Leveraging Marketing and LinkedIn Kim Henderson reflects on mistakes she made by not utilizing marketing resources and LinkedIn effectively early in her career and shares how others can avoid the same pitfalls. [32:18] Advice for Newcomers to Staffing Kim's advice for those starting out: Focus on perseverance, a long-term mindset, and building a resilient attitude.   ABOUT THE SPEAKERS Brad Bialy  (LinkedIn) Brad Bialy has a deep passion for helping staffing and recruiting firms achieve their business objectives through strategic digital marketing. For over a decade, Brad has developed a proven track record of motivating and educating staffing industry professionals at over 100 industry-specific conferences and webinars.  As a visionary leader, Brad has helped guide the comprehensive marketing strategy of more than 300 staffing and recruiting firms. His keen eye for strategy and delivery has resulted in multiple industry award-winning social media campaigns, making him a sought-after expert and speaker in the industry.    Kim Henderson (LinkedIn) Kim leads Cobalt Compass Solutions, which provides training and consulting services for the staffing industry. Training programs encompass the full life cycle of sales and recruiting and teach the skills to create lasting customer relationships. Consulting services give leaders the methodology to operate business units while managing teams for performance. Prior to Cobalt Compass, Kim had 28 years in the industry and served as a member of executive leadership for a global workforce solutions provider. As SVP of Client Services and Global Accounts, she was responsible for the development of international and strategic accounts and also established the Government Solutions business. Kim began her career working for a national staffing firm where she served on the executive team and was responsible for the national sales strategy with execution across product lines as well as multiple business units. Kim has a MBA from the University of Miami and a BS in Journalism from the University of Florida. Additionally, she has Project Management (PMP) and Six Sigma Lean certifications and contributes articles for The Staffing Stream, Staffing Hub, and HRM Outlook. Further, she has appeared on the following podcasts: Staffing Hub, Staffing Monthly, The Elite Recruiter, Digital Recruiter, CareerTALKS, Recruiters With No Limits, Fidelis Leadership, Ask a Recruiter, and Ivy Podcast. Kim has also presented at the World Staffing Summit, Recruiter Growth Summit, American Staffing Association, Illinois Staffing Association, and the Staffing Sales Summit.

We all make errors all the time. Join us for a fascinating conversation on looking beyond human error to improve safety, featuring special guest Dr. Mark Young. With profound insights into human factors and backed by solid research, Dr. Young shares the psychological mechanisms behind errors and emphasizes the importance of fostering a learning culture to enhance safety. The conversation also covers the impact of vehicle automation on safety and the critical role of fatigue risk management in safety-critical industries. Don't miss this engaging episode! About the Guest: Professor Mark Young is a professor of human factors in transport within the Transportation Research Group at the University of Southampton and is currently the president of the Chartered Institute of Ergonomics and Human Factors (CIEHF). Mark has nearly 30 years of experience working in human factors across transport modes in both academia and industry. Before joining the University of Southampton in June 2023, Mark spent 11 years working as an Inspector at the Rail Accident Investigation Branch, applying his human factors expertise to investigate railway incidents and accidents. For more information: https://www.southampton.ac.uk/people/62gmgv/professor-mark-young Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, co-hosts Aaron Brooks and Heather Haskin take a break from the constant buzz around generative AI and ChatGPT to explore what else is shaping the future of IT. From cybersecurity threats in the age of quantum computing to the rising expectation for businesses to become content creators, this mid-season check-in dives into the trends and insights flying under the AI radar. Don't miss this candid conversation that uncovers some of the key issues transforming the tech world in 2024—beyond AI. Featuring: Aaron Brooks, VP Customer Strategy and Solution Sales at Softchoice and Heather Haskin, Business Development Manager AWS at Softchoice The Catalyst by Softchoice is the podcast dedicated to exploring the intersection of humans and technology. 

Pediatric psychologist and author Mona Delahooke talks about her new book "Beyond Behaviors: Using Brain Science and Compassion to Understand and Solve Children's Behavioral Challenges." Learn more about your ad choices. Visit megaphone.fm/adchoices

In a year where investor focus was squarely trained on mega-cap technology stocks, small caps finally found their moment in the second week of July. Was it just a momentary break from normal service, or is it a signal of a broader stock rotation to come? Matthew D. Miskin, CFA, our Co-Chief Investment Strategist, shares his views.

This episode helps you look past your current discomfort with over-drinking. Often when we are considering a change or claiming a specific goal to drink less, we get stuck in what we currently 'feel' is true for us. We review past failures and discomforts and then think about that as we asses a given situation, like attending a party or going on vacation sober. This episode will help you see a different picture and make decisions from your future, not the current struggle you are in. You first need to know what that future could look like for you and then when it comes time to make a decision, you make it from believing that future scenario is going to happen, not what is happening now. You must tune in and hear how I explain this strategy that will ultimately help you move forward and drink less sooner than later!Good news Alive AF! is OFFICIALLY OPEN, now until June 30th, sign up here: https://www.angelamascenik.com/aliveafAnd you can grab the last 2 spots to the Seattle Retreat by going here: www.angelamascenik.com/2024retreatsandcoachingApply for private coaching here: https://form.typeform.com/to/x8tcz6lm Tags:Stop Over-drinking, Angela Mascenik, stop drinking podcast, how to feel, how to overcome addiction, how to drink less wine, change your relationship with alcohol, coach for women who want to drink less alcohol, help to stop over-drinking, stop over-drinking, life coach to help stop over-drinking, self-love, importance of self-love, online membership to stop over-drinking, program to help quit alcohol, how to quit drinking, spouses, partners, food, overeating, moderation, sober retreat, how to prioritize yourself, make yourself a priority to drink less, mental health, mental health and alcohol use, mental health awareness month, how to stop over-drinking, how to stop drinking so much wine, life coach for women who drink too much, discomfort, current discomfort

Part 2 of a 2-part study of Jacob 1-4 (this part will cover chapters 3-4). This lesson focuses on comfort for victims, confronting prejudice, looking up to the Lamanites, passing down your sins, unshaken faith, unsearchable depths, things as they really are, looking beyond the mark, and more.  0:00 Introduction 0:47 Comfort for Victims 12:51 Confronting Prejudice 22:55 Looking Up to the Lamanites 31:33 Not Passing Down Your Sins 36:54 Recording their Witness 45:56 Unshaken Faith in His Amazing Grace 51:39 The Unsearchable Depths of God 57:35 Things As They Really Are 1:01:15 Looking Beyond the Mark 1:07:27 Building on the Rejected Stone 1:15:57 Conclusion

On Culture Friday, pushing back on anti-Semitism and chemical abortions; a review of the docuseries Testament: The Story of Moses; and when bad news turns into good news. Plus, the Friday morning newsSupport The World and Everything in It today at wng.org/donate.Additional support comes from Every Woman's Bible. The Every Woman's Bible is a study Bible for the heart and mind with over one hundred scholars, writers, and contributors—all women—from around the world. It is packed with study notes and devotionals that address topics relevant to women with cultural, historical, and literary clarity and context to gain greater understanding. Discover God's heart for you through deep study and reflection. Learn more at EveryWomansBible.com. From Free Lutheran Bible College. Students learn on campus from experienced Bible professors, then go anywhere, serving God in their unique vocations. FLBC.edu/worldAnd from Ambassadors Impact Network. Helping entrepreneurs with a purpose find the support they need to thrive with faith-aligned financing options. More at ambassadorsimpact.com

Focus on your God-given goals and triumph over temporary disappointments.