Podcasts about mfs

We preview the World Team Trials, which are going down this weekend in Louisville, Kentucky! 8 MFS weights with plenty of exciting action and anticipated matchups. We also briefly cover the Kyle Snyder news at the end of the episode.

Guests are way back. In this episode, I sit down with my best—Chase Lambin is a former professional baseball player who spent 15 years chasing the Big League dream, and now coaches in the Texas Rangers organization.Chase gives us an inside peak at life in professional baseball, including stories I've never heard before. His Tracy McGrady story alone makes this episode worth tuning in.We get into my favorite part of having a buddy who coaches future Major Leaguers—the emotional aspect of players getting called up to the Big Leagues. For me, seeing a text vid of a call-up is like looking into my stocking on Christmas morning. If you're not still doing that, might be time to upgrade your S/O (but that's for a future solo ep).Chase tells the story of their most recent call-up, Blaine Crim, who, incidentally, is my new favorite player.Funny how you get older and pull for the 27-year old call-up you have some Kevin Bacon connection to. But when you were 9, you'd have used that rookie's baseball card in your tire spokes. Well, I'm older now, and would sooner use a Topps Justin Verlander to give my 4-year old's balance bike the vroom sound.We also discuss Chase's approach to parenting, coaching and maintaining perspective. He shares insights from his book The Hitters Handbook, and reflects on lessons learned from coaches and teammates throughout his career.Re baseball, we cover everything from 12-year old travel ball to Corey Seager riling up the Rangers in the playoffs because he got excited about a homerun (which he doesn't do often).There's a reason Chase & I have remained the best of buds since we met in 1994. Episodes where I have him on keep getting better!But yeah, that's not the reason.I'll just tell you that having a 'bestie' you've known since 9th grade, and getting to broadcast some our conversations with you beautiful MFs, is one of my great joys in life. At least in part, because you've told me you enjoy them too.

In today's podcast I talk about: Last day of the MFS tri camp. Celebrations, shopping and misplacing car keys. No vertigo while traveling. Feeling happy.

This podcast is the audio version of the Gear Garage Live Show, where we answer submitted questions and talk all things whitewater. Topics and links that Zach talked about in this episode Answer Questions River Rescue Gear at River Hardware Some of the Questions that Zach covered in the Q&A section of this episode Topic: Highwater Middle Fork of the Salmon I'm invited on a MFS trip June 10. Super psyched! The trip leader wants to cap the trip at 5 feet, but I bet it will be higher. I'm pushing for a careful safe trip, even if higher than 5 feet. I feel up to the challenge 100%. The crew is solid. Any thoughts on flows and wisdom of going? I hate the idea of the permit being canceled. Thanks! Topic: Guide Shoes What about guides wearing Chacos... Do you have any thoughts about that? Topic: Rope Selection You've covered a lot on static line length and diameter on your previous videos, and I'm curious to hear more about material and buoyancy. On whitewater gear you offer the sterling super static 2 rope, but I don't believe that's a high floating material, and is quite a bit heavier without being stronger than some other equivalent 3/8" ropes like ultra line. Can you review a bit more on rope design/materials vs use in whitewater rescue applications? Sterling looks to be the standard in ropes, and their ultra line appears like the best overall option for weight/strength vs flotation. Only downside I can see is that ultra line is not available in sizes other than 1/4" and 3/8" if someone needs 11mm or larger. Topic: 18' Raft Owyhee What's your low flow cutoff for getting a medium to lightly loaded 18' raft down the Lower Owhyee? I'm able to make technical moves just not interested in getting high centered or squeezed all the time and having to get out to shove a whole bunch. Nuisance rapid for instance. Does an 18' even fit between boulders at flows less than 1K CFS? I'm 5 days out from launch and flows have been very slowly dropping, currently around 1300 CFS to 1400 CFS with no major precip in forecast. Motoring out and my 18' has the registration. Have a smaller raft with fishing frame and registration but its not rigged to motor and would like to avoid that hassle of frame changeover and assembly if possible. Thanks for your insights! Topic: IK Safety Thanks for this channel; it is an excellent resource for people like me who are new to rafting. Two buddies and I took the NWRC Class III rowing school last year, which was awesome. The Lower Salmon was one of the rivers the instructors recommended as a good first private trip, so we are planning a multi-day trip with our families on the Lower Salmon in mid-July. We will have three rafts. We have several high school kids in our group. I am considering bringing two or three inflatable kayaks for them to use if they want more excitement than riding in the rafts. Everyone will be in helmets and PFDs. The kids are strong swimmers and comfortable in the water. I have three questions: Where should we put the IKs in the group? I am thinking between the middle and last raft as that would leave two downstream rafts in case they swim. Would having three IKs in the water at one time be too many given we only have three rafts? Could you talk about how trip leaders monitor IKs on your commercial trips.

RHOBH cast rumors continue to circulate with rumored firings, downgrades and one beloved "friend of” being asked to hand in her diamond and exit the building. Teresa is up to her old tricks with half truths, lies and not accurately remembering the past as it actually happened. Our recent live show has come and gone and you shady MFs have asked questioned that we would rather not have answered, but as promised, no pleading the 5th so we, well, mentioned it all. Today, we share these questions and our answers asked by you, our beloved audience. From past pods we got tangled up in, past Housewife feuds, which Bravolebs were awful behind the scenes off air during our past interviews, the “sources” of where we get our confidential info, how to fix Bravo from its current state of disarray and last, but way to bury the lead not least, one very angered, outraged Kelly Dodd. @behindvelvetrope @davidyontef Learn more about your ad choices. Visit megaphone.fm/adchoices

Curious about investing in Gold & Silver ETFs and Mutual Funds but don't know where to start? In this insightful episode, we sit down with Siddharth Srivastava, Head – ETF Product & Fund Manager, Mirae Asset Investment Managers (India), a seasoned expert in the world of ETFs & MFs, to break down everything you need to know about these precious metal investment avenues.

I foråret præsenterer regeringen et udspil til en strafreform, der vil straffe en række personfarlige forbrydelser hårdere. Men i følge kriminolog David Sausdal er det den helt forkerte vej at gå. Tag med Ajour til Lund for at blive klogere på straf og retspolitik.Gæst: David Sausdal, kriminolog på Lunds Universitet og Bjørn Brandenborg, MF (S) og retsordførerVært: Mathilde Brieghel, podcastredaktørProducere: Mathilde Brieghel, podcastredaktør, Caroline Tranberg, podcastredaktør og Mads Outzen, redaktionschef Hosted on Acast. See acast.com/privacy for more information.

This podcast is the audio version of the Gear Garage Live Show, where we answer submitted questions and talk all things whitewater. Topics and links that Zach talked about in this episode GoRafting.com Maps Answer Questions May 4th Illinois Trip Today's Questions: Topic: Raft Pressure I'd love to hear your thoughts on air pressure for rafts. How do you know when it's right? What do you think about those digital air pressure caps, like the TRiB brand ones NRS sells? I know you should let some air out when driving over mountain passes or when the boat's sitting in the sun to prevent blowouts. But other than that, how important is it to get the air pressure just right on the water? Thanks, and keep up the good work! Topic: Tech Support Hi Zach! Love the show, great content! I'm filming our Main Salmon trip this year with a GoPro. What do you use—or what have you heard of—to merge and edit GoPro clips into one seamless video with text and music? I need something old-guy friendly, since I'm not super tech-savvy. Got any tips or tricks you've learned from your own experience? Thanks! Topic: Dish Bucket Water Love the show, thank you for keeping this up. I always look forward to the Tuesday show and any other reviews, testing or other topics you cover. For getting rid of dish water, different rivers have different rules. My understanding is that for high-volume rivers, it's better to dispose of strained dishwater into the river. For smaller rivers (Smith, MFS), you're supposed to disperse the water above the high water line and away from camp. For low use camps, I guess this could make sense, that eventually the rain will do it's thing and it'll soak into the ground. For desert trips or popular camps, this just seems like a recipe for attracting pests. Even if you could strain every bit of food, there's still going to be oils and dissolved sugars which will get tossed on the ground. Maybe my concept of how much oil/sugar/small stuff gets left behind is wrong. I'm assuming these rules have science/research behind them. Any thoughts or ideas on this?

Send us a textEp 270 Sean Sherk Early Years Sean Sherk has one of the most unique journeys to becoming a UFC World Champion. His departure from the sport has always been somewhat of a mystery; in this interview we discuss his path to being called World Champion. It is a powerful listen Ep 270 Sean Sherk Early years 0:00 plugs/ promotions 0:42 Lytes out intro 1:14 Joey Venti's guest introduction1:39 interview start 2:08 departure from fighting 4:43 wrestling career 10:22 Jiu Jitsu match with Chris Brennan 11:47 dealings with Brad Kohler 14:26 Travis Wiuff 16:13 Sean Sherk vs Roscoe Ostyn19:10 training with Greg Nelson 22:28 Frank Shamrock not in UFC hall of fame23:26 Midwest mma Championship tournament 25:26 Extreme Challenge 2828:08 Sean Sherk vs Karo Parisyan33:09 Sean Sherk vs Karo Parisyan rematch 34:09 fighting with a full time job37:14 wrestling in high school 39:17 choosing to persue fighting 40:41 chasing the highs in life 43:38 getting the call from the UFC 46:50 getting the nick name “Juggernaut”47:40 Sean Sherk vs Tiki Goshen48:47 Sean Sherk vs Manny Gamburyan52:04 training with Matt Hughes 52:34 choosing not to train at MFS 54:10 getting into street fights 55:49 Sean Sherk vs Marty Armendarez1:00:48 training ground and pound 1:04:03 training partner Tom Schmitz1:05:05 Clint Class 1:06:09 Damian Hertz 1:07:04 cancelled bout with Jutaro Nakao1:09:47 Sean Sherk vs Curtis Brigham1:11:07 Sean Sherk vs Kiuma Kunioku1:17:38 Sean Sherk vs Claudionor Da Silva Fontinelle1:22:25 getting back into the UFC 1:27:12 Sean Sherk vs Jutaro Nakao1:28:33 Sean Sherk vs Benji Radach1:32:53 Sean Sherk vs John Alexander1:34:50 overcoming adversity 1:35:56 Sean Sherk vs Matt Hughes 1:38:13 getting cut from the UFC 1:40:11 retiring from fighting 1:44:07 co owning training mask 1:46:40 life after fighting 1:52:06 interview wrap up 1:53:37 outro/ closing thoughts Subscribe to the Lytes Out Podcast:https://www.youtube.com/@MMAHistoryPodcastDiscord:https://discord.gg/s3mV6wyNgvSocials: Facebook -https://www.facebook.com/groups/1027449255187255/?mibextid=oMANbwInstagram - https://www.instagram.com/lytesoutpodcast/iTunes - https://podcasts.apple.com/us/podcast/lytes-out-podcast/id1568575809 Spotify - https://open.spotify.com/show/3q8KsfqrSQSjkdPLkdtNWb Mike - The MMA Detective - @mikedavis632 Cash App - $mikedavis1231Venmo - Mike-Davis-63ZELLE: Cutthroatmma@gmail.com / ph#: 773-491-5052 Follow the #LOP team on Instagram: Chris Lytle - Founder/Owner - @chrislightsoutlytle Mike Davis - MMA Detective - @mikedavis632 Joey Venti - Assistant - @aj_ventitreTyson Green - Producer - @ty.green.weldingAndrew Mendoza - Timestamps - @ambidexstressAndy Campbell - Social Media Manager - @martial_mindset_Josh Campbell - ContributerJohn Perretti - Historical ContributerOutro song: Power - https://tunetank.com/t/2gji/1458-power#MMA #UFC #NHB #LytesOutPodcast #LytesOut #MixedMartialArts #ChrisLytle #MMADetective #MikeDavis #MMAHistory #OldSchoolMMA #FiftyFightClub #MMAPodcast #FightPodcastSupport the show

In this episode, we look at creatine. We'll discuss the positive effects on the body and the brain, bust a few myths, and explain why it's great for everyone: old or young, male or female, active or sedentary. The optimal amount of daily creatine is very difficult to reach through food on a regular basis, so supplementation is ideal in this scenario.Contact Mike:Mike Sinopoli - NASM Certified Nutrition CoachInstagram, Facebook, X, LinkedIn: @mfswellnessemail: mike@mfswellness.comphone: 630-361-4907www.mfswellness.com 

ETFs have taken over the world, or at least that's what you'd believe if you spent any time reading financial media in the US. Passive investing! Low costs! No fund manager egos! And of course, that looming prediction: “ETFs will destroy price discovery!” But in India? Crickets. While ETFs have become mainstream in the US, with trillions of dollars flowing into passive investing strategies, India's ETF story is still unfolding. Why haven't ETFs exploded in India despite our obsession with stocks? And more importantly, should you be investing in ETFs or mutual funds? In this episode, Deepak and Shray get into the weeds on all things Exchange Traded Funds — what they are, how they work, where they don't work, and why, despite sounding like the next great revolution in investing, they haven't quite clicked here yet. 00:00:00 - Introduction 00:02:01 - How big are ETFs? 00:07:30 - Why are ETFs so successful in the US 00:09:42 - How do ETFs work? 00:13:52 - Isn't it better to move into ETFs then? 00:16:01 - Who are you buying the ETF from? 00:20:08 - Are there any advantages in ETFs over MFs in India? 00:25:10 - What role do Market Makers play in ETFs? 00:30:12 - When and why do ETF prices trade above their NAV? 00:39:14 - Role of liquidity in ETF prices 00:42:06 - Why don't people do SIPs into ETFs and Stocks? 00:48:44 - How are ETFs useful for investors? 00:53:17 - What about Commodity ETFs? 00:55:47 - What about Liquid ETFs? 00:59:52 - How do regulations like stock-lending and free-float impact ETF returns? 01:04:53 - What are Deepak's thoughts about Active ETFs? 01:07:06 - Will ETFs gain market share from Mutual Funds?

MFS, which pioneered the first mutual fund in 1924, recently entered the ETF arena with the launch of five actively managed products.  MFS's Emily Dupre discusses the firm's decision-making process around launching ETFs, their investment capabilities, and the role active...

In this JCO Precision Oncology Article Insights episode, Natalie DelRocco summarizes "Digital Pathology–Based Multimodal Artificial Intelligence Scores and Outcomes in a Randomized Phase III Trial in Men With Nonmetastatic Castration-Resistant Prostate Cancer" by Felix Y. Feng, et al published January 31, 2025. Come back for the next episode where JCO Precision Oncology Conversations host, Dr. Rafeh Naqash interviews the author of the JCO PO article discussed, Dr. Tim Showalter. TRANSCRIPT Natalie DelRocco: Hello and welcome to JCO Precision Oncology Article Insights. I'm your host Natalie Del Rocco. Today, we'll be discussing the article, “Digital Pathology-Based Multimodal Artificial Intelligence Scores and Outcomes in a Randomized Phase III Trial in Men With Nonmetastatic Castration-Resistant Prostate Cancer.” We will also be discussing the accompanying editorial, “Leveraging Artificial Intelligence to Improve Risk Stratification in Nonmetastatic Castration-Resistant Prostate Cancer.” So, we're going to start by summarizing the original report and then we'll jump into a few of the high-level interpretations that were supplied by the editorial.   The original report by Feng et. al. describes the application of multimodal artificial intelligence to data collected on a nonmetastatic castration-resistant prostate cancer. We will call this disease moving forward NMCRPC, a Clinical Trial. So, we're looking at data from an NMCRPC clinical trial. The SPARTAN trial was a randomized phase three trial and this study compared metastasis-free survival as the primary endpoint for those treated with traditional androgen deprivation therapy or ADT to those treated with androgen deprivation therapy plus apalutamide. Other secondary endpoints included progression-free survival and overall survival, but the primary endpoint there was metastasis-free survival or MFS. This study found that the addition of apalutamide resulted in a significantly longer median metastasis-free survival compared to androgen deprivation therapy alone. And we should note that this is a double-blind placebo-controlled trial. In the overall study, 1,207 patients participated and over the course of this study histopathology slides were collected and they were digitized for future use. And that future use is what we are going to be discussing today.  The authors do note that there are currently no good biomarkers for use in NMCRPC. The authors seem to be inspired by the ArteraAI prostate test, which was a recent application of multimodal artificial intelligence models. But in localized prostate cancer as opposed to NMCRPC, the authors constructed a multimodal artificial intelligence model or an MMAI model. They applied this to the SPARTAN trial with the intention of developing a risk score that could be used for risk stratification in NMCRPC. And we should note here that multimodal artificial intelligence or MMAI is a broad class of artificial intelligence models, and they can analyze different types of data at one time, hence the term multimodal. So in this example, the author's primary data source of interest were those digitized histopathology images because histopathology tells you a lot about NMCRPC. The authors though also wanted their model to consider traditional clinical factors that are known to be prognostic such as Gleason score, tumor stage, PSA level, and age. So those two different types of data, those histopathology images and that traditional clinical data are the two different types of data that make this model multimodal. So we should note here importantly, after dropping missing data, 420 patients contribute to this model, the MMAI model.  The authors generate a risk score from this MMAI model and they categorize that risk score into low, intermediate, and high risk groups using clinical knowledge. The authors found in their results that an increase in this MMAI risk score was associated with an increased hazard of metastasis-free survival event with a hazard ratio from a Cox proportional hazards model of 1.72. To summarize how the authors arrived here, they derived a risk score from this MMAI model which incorporates both imaging and regular data. They plugged this risk score into a Cox proportional hazards mode,l modeling metastasis-free survival and they found that an increase in that MMAI based risk score is associated with increased hazard of metastasis-free event with a hazard ratio of 1.72, which is quite large. Additionally, the risk score seemed to be associated with PFS2 and OS, which were two of the secondary endpoints from the SPARTAN clinical trial, though the effect sizes were more modest. Those are the highlights from the original report, the methods and the results.  The accompanying editorial notes that both histopathology and Gleason score specifically are very critical to understanding prostate cancer, and Gleason score alone is not sufficient to summarize the complexity of the disease, although it is a well validated prognostic factor for prostate cancer. So this makes MMAI an excellent tool in the setting described by the authors. We have an existing prognostic factor that doesn't describe the entire picture of the disease by itself and so we can use those digitized histopathology slides to help bolster our understanding and provide the model more information. MMAI allows you to do this because it can take in different types of data. So that was the main conclusion of the editorial.  They also summarize a number of recent validations of MMAI models in prostate cancer research, noting that it will be an important tool for risk stratification and has already been shown to outperform classical techniques. The editorial though does highlight a number of weaknesses of this paper, limitations and I think the most important one to highlight, and we touched on this earlier, is that 420 patients from the SPARTAN clinical trial contributed to the development of this MMAI score. That is a small proportion of the roughly 1200 patients that did participate in the SPARTAN clinical trial. So we have a small subgroup analysis that can be limiting and this model will need to be validated in a broader population in the future.   Thank you for listening to JCO Precision Oncology Article Insights. Don't forget to give us a rating or a review and be sure to subscribe so that you never miss an episode. You can find all ASCO shows at asco.org/podcasts.    The purpose of this podcast is to educate and to inform. This is not a substitute for professional medical care and is not intended for use in the diagnosis or treatment of individual conditions.   Guests on this podcast express their own opinions, experience and conclusions. Guest statements on the podcast do not express the opinions of ASCO. The mention of any product, service, organization, activity or therapy should not be construed as an ASCO endorsement.      

Die "Runde Ecke" Leipzig zeigt am authentischen Ort die Methoden der DDR-Staatssicherheit. Doch Geldgeber und Betreiber streiten um das Konzept. Ist das in seiner Art einzigartige Museum in seiner Existenz bedroht?

Send us a textEp 261 Al Iaquinta BEFORE the UFCAl Iaquinta had an impressive career within the UFC that included a world title fight; what most people dont know is how crazy and difficult his path was to getting a UFC contract.This interview has Iaquinta recaling stories and issues prior to his stint within the UFC that have never talked aboutSpecial thank you to Nick Lamagna and the A Game podcast for lining this interview up 0:00 plugs/ promotions 0:42 Lytes out intro 1:22 interview start4:30 refusing to attend fighter summit 6:23 not getting paid fight bonuses9:55 getting knee surgery 16:35 relationship with NickNickNick  19:26 attending UFC 53 22:29 learning Jiu Jitsu off DVDs early on 23:40 training at a MFS gym 25:11 meeting Bryce Mitchell 27:31 Al Iaquinta vs Greg LaChaga29:14 promoter Ed Hsu 33:18 fighting event in Mexico 35:41 Al Iaquinta vs Mike Prokop37:19 Al Iaquinta vs Mike Bennett39:50 Al Iaquinta vs Nick Maurielo41:13 Al Iaquinta vs Will Martinez44:12 getting fights from Andrew Montanez47:21 sparring sessions at Miletech fighting systems 50:13 Cancelled bout with Drew Dober53:14 training at Renzo Gracie's gym 57:10 Al Iaquinta vs Mervin Rodriguez57:31 dealings with Lou Neglia 58:50 Al Iaquinta vs Will Martinez1:01:07 Al Iaquinta vs Tim Sylvester1:03:15 Al Iaquinta vs Gabriel Migioli1:10:05 Al Iaquinta vs Pat Audinwood1:13:04 trying out for TUF 1:16:02 experience on TUF show 1:21:35 picked first by Urijah Faber1:23:00 Al Iaquinta vs Myles Jury1:24:27 TUF highlights 1:26:19 Al Iaquinta vs Michael Chiesa1:27:30 Aljamain Sterling and Floyd Mayweather issues1:29:18 thoughts on Douglas Crosby 1:32:40 turning away movie role 1:33:53 interview wrap up 1:34:51 outro/closing thoughts Subscribe to the Lytes Out Podcast:https://www.youtube.com/@LytesOutClipsSocials: Facebook -https://www.facebook.com/groups/1027449255187255/?mibextid=oMANbwInstagram - https://www.instagram.com/lytesoutpodcast/iTunes - https://podcasts.apple.com/us/podcast/lytes-out-podcast/id1568575809 Spotify - https://open.spotify.com/show/3q8KsfqrSQSjkdPLkdtNWb Mike - The MMA Detective - @mikedavis632 Cash App - $mikedavis1231Venmo - Mike-Davis-63ZELLE: Cutthroatmma@gmail.com / ph#: 773-491-5052 Follow the #LOP team on Instagram: Chris - Founder/Owner - @chrislightsoutlytle Mike - MMA Detective - @mikedavis632 Joey - Assistant - @aj_ventitreTyson - Producer - @ty.green.weldingAndrew - Timestamps - @ambidexstressAndy - Social Media Manager - @martial_mindset_Outro song: Power - https://tunetank.com/t/2gji/1458-power#MMA #UFC #NHB #LytesOutPodcast #LytesOut #MixedMartialArts #ChrisLytle #MMADetective #MikeDavis #MMAHistory #OldSchoolMMA #FiftyFightClub #MMAPodcast #FightPodcastSupport the show

951: In this episode of Technovation, Peter High interviews Dan Caruso, founder of Zayo Group and Caruso Ventures. Dan, a pioneer in communications infrastructure, shares his journey from leading multi-billion dollar exits with MFS and Level 3 to his current investments in quantum and space technologies. He discusses insights from his new book Bandwidth: The Untold Story of Ambition, Deception, and Innovation That Shaped the Internet Age.

Rob Almeida and Genevieve Gilroy, consumer staples sector leader, explore the shifting dynamics in the consumer staples sector in this podcast episode. They also discuss the importance of a collaborative, global research platform with differentiating opportunities across categories and companies.   Chapters: 00:00 - 01:59 Setting the Stage 01:59 - 05:26 Role of a Sector Leader 05:26 - 06:40 Traditional Draws to Consumer Staples 06:40 - 10:14 Agents of Change and Lower Barriers to Entry 10:14 - 11:47 Innovation and the Landscape of Work 11:47 - 14:58 GLP-1s as a Driver of Risk and Opportunity 14:58 - 16:35 Compelling Categories 16:35 - 18:57 Understanding the Rising Price Environment 18:57 - END Consumer Staples in Summary   This material is intended for investment professional use only and not intended for retail investors.   The views expressed are those of the speaker and are subject to change at any time. These views are for informational purposes only and should not be relied upon as a recommendation to purchase any security, or as an offer of securities or investment advice. No forecast can be guaranteed. Past performance is no guarantee of future results.   Please keep in mind that a sustainable investing approach does not guarantee positive results and all investments, including those that integrate ESG considerations into the investment process, carry a certain amount of risk including the possible loss of the principal amount invested.   Distributed by:  U.S. – MFS Institutional Advisors, Inc., MFS Investment Management and MFS Fund Distributors, Inc.; Latin America – MFS International Ltd.; Canada – MFS Investment Management Canada Limited. Note to UK and Switzerland readers: Issued in the UK and Switzerland by MFS International Limited, a private limited company registered in England and Wales with the company number 03062718, and authorised and regulated in the conduct of investment business by the UK Financial Conduct Authority. MIL UK, an indirect subsidiary of MFS®, has its registered office at One Carter Lane, London, EC4V 5ER.  Note to Europe readers: Issued in Europe by MFS Investment Management S.à r.l. – authorized under Luxembourg law as a management company for Funds domiciled in Luxembourg and which both provide products and investment services to institutional investors and is registered office is at S.a r.l. 4 Rue Albert Borschette, Luxembourg L-1246. Tel: 352 2826 12800.  This material shall not be circulated or distributed to any person other than to professional investors and should not be relied upon or distributed to persons where such reliance or distribution would be contrary to local regulation; Singapore – MFS International Singapore Pte. Ltd.; Australia/New Zealand - MFS International Australia Pty Ltd holds an Australian financial services licence number 485343. MFS Australia is regulated by the Australian Securities and Investments Commission.; Hong Kong - MFS International Limited, a private limited company licensed and regulated by the Hong Kong Securities and Futures Commission. MIL HK is approved to engage in dealing in securities and asset management regulated activities and may provide certain investment services to "professional investors" as defined in the Securities and Futures Ordinance.; For Professional Investors in China – MFS Financial Management Consulting Co., Ltd. 2801-12, 28th Floor, 100 Century Avenue, Shanghai World Financial Center, Shanghai Pilot Free Trade Zone, 200120, China, a Chinese limited liability company registered to provide financial management consulting services.; Japan - MFS Investment Management K.K., is registered as a Financial Instruments Business Operator, Kanto Local Finance Bureau No.312, a member of the Investment Trust Association, Japan and the Japan Investment Advisers Association. As fees to be borne by investors vary depending upon circumstances such as products, services, investment period and market conditions, the total amount nor the calculation methods cannot be disclosed in advance. All investments involve risks, including market fluctuation and investors may lose the principal amount invested. Investors should obtain and read the prospectus and/or document set forth in Article 37-3 of Financial Instruments and Exchange Act carefully before making the investments.   Unless otherwise indicated, logos, product and services names are trademarks of MFS and its affiliates and may be registered in certain countries.

VettaFi's Head of Research Todd Rosenbluth discussed the MFS Active Core Plus Bond ETF (MFSB) on this week's “ETF of the Week” podcast with Chuck Jaffe of “Money Life.”  Invest in your greatest asset—yourself. Exchange is a financial services conference for advisors to strengthen their skills and develop across core dimensions of their professional portfolio. To learn more, visit https://www.exchangeetf.com/registration/

How has a writer known principally for his contained domestic novels come to represent the most dynamic elements of world literature? In Kazuo Ishiguro Against World Literature (Bloomsbury, 2025), Chris Holmes expands our understanding of how world literature engages with the most pressing crises of the 20th and 21st centuries by examining Ishiguro's fascination with characters who are profoundly constrained in their ability to understand global systems to which they are subject. Rather than following the established pattern of so-called global novels, which crisscross the planet exhibiting a knowing cosmopolitanism, Ishiguro's fictional engagement with the world comes principally in the form of characters who are cut off from the global systems that abuse them. By examining the ways in which Ishiguro foregrounds the in-process thinking of those who fail to comprehend their place in the flow of politics, culture, and ideas, Holmes positions Ishiguro as the great chronicler of everyday lives, and as such, prepares a mode of reading world literature that questions the assumptions for how we live and think with others when each of us is deeply limited. Chris Holmes is Associate Professor and Chair of Literatures in English at Ithaca College. He is the host of the literary interview podcast, Burned by Books, and he is host and co-producer on Novel Dialogue, the podcast of the Society of Novel Studies, both of which are New Books Network partners. His most recent essays appear in NOVEL, MFS, Critique, and Public Books. Caroline Levine is David and Kathleen Ryan Professor of the Humanities at Cornell University. She is the author most recently of The Activist Humanist: Form and Method in the Climate Crisis, and Forms: Whole, Rhythm, Hierarchy, Network. Learn more about your ad choices. Visit megaphone.fm/adchoices

How has a writer known principally for his contained domestic novels come to represent the most dynamic elements of world literature? In Kazuo Ishiguro Against World Literature (Bloomsbury, 2025), Chris Holmes expands our understanding of how world literature engages with the most pressing crises of the 20th and 21st centuries by examining Ishiguro's fascination with characters who are profoundly constrained in their ability to understand global systems to which they are subject. Rather than following the established pattern of so-called global novels, which crisscross the planet exhibiting a knowing cosmopolitanism, Ishiguro's fictional engagement with the world comes principally in the form of characters who are cut off from the global systems that abuse them. By examining the ways in which Ishiguro foregrounds the in-process thinking of those who fail to comprehend their place in the flow of politics, culture, and ideas, Holmes positions Ishiguro as the great chronicler of everyday lives, and as such, prepares a mode of reading world literature that questions the assumptions for how we live and think with others when each of us is deeply limited. Chris Holmes is Associate Professor and Chair of Literatures in English at Ithaca College. He is the host of the literary interview podcast, Burned by Books, and he is host and co-producer on Novel Dialogue, the podcast of the Society of Novel Studies, both of which are New Books Network partners. His most recent essays appear in NOVEL, MFS, Critique, and Public Books. Caroline Levine is David and Kathleen Ryan Professor of the Humanities at Cornell University. She is the author most recently of The Activist Humanist: Form and Method in the Climate Crisis, and Forms: Whole, Rhythm, Hierarchy, Network. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

How has a writer known principally for his contained domestic novels come to represent the most dynamic elements of world literature? In Kazuo Ishiguro Against World Literature (Bloomsbury, 2025), Chris Holmes expands our understanding of how world literature engages with the most pressing crises of the 20th and 21st centuries by examining Ishiguro's fascination with characters who are profoundly constrained in their ability to understand global systems to which they are subject. Rather than following the established pattern of so-called global novels, which crisscross the planet exhibiting a knowing cosmopolitanism, Ishiguro's fictional engagement with the world comes principally in the form of characters who are cut off from the global systems that abuse them. By examining the ways in which Ishiguro foregrounds the in-process thinking of those who fail to comprehend their place in the flow of politics, culture, and ideas, Holmes positions Ishiguro as the great chronicler of everyday lives, and as such, prepares a mode of reading world literature that questions the assumptions for how we live and think with others when each of us is deeply limited. Chris Holmes is Associate Professor and Chair of Literatures in English at Ithaca College. He is the host of the literary interview podcast, Burned by Books, and he is host and co-producer on Novel Dialogue, the podcast of the Society of Novel Studies, both of which are New Books Network partners. His most recent essays appear in NOVEL, MFS, Critique, and Public Books. Caroline Levine is David and Kathleen Ryan Professor of the Humanities at Cornell University. She is the author most recently of The Activist Humanist: Form and Method in the Climate Crisis, and Forms: Whole, Rhythm, Hierarchy, Network. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/literary-studies

How has a writer known principally for his contained domestic novels come to represent the most dynamic elements of world literature? In Kazuo Ishiguro Against World Literature (Bloomsbury, 2025), Chris Holmes expands our understanding of how world literature engages with the most pressing crises of the 20th and 21st centuries by examining Ishiguro's fascination with characters who are profoundly constrained in their ability to understand global systems to which they are subject. Rather than following the established pattern of so-called global novels, which crisscross the planet exhibiting a knowing cosmopolitanism, Ishiguro's fictional engagement with the world comes principally in the form of characters who are cut off from the global systems that abuse them. By examining the ways in which Ishiguro foregrounds the in-process thinking of those who fail to comprehend their place in the flow of politics, culture, and ideas, Holmes positions Ishiguro as the great chronicler of everyday lives, and as such, prepares a mode of reading world literature that questions the assumptions for how we live and think with others when each of us is deeply limited. Chris Holmes is Associate Professor and Chair of Literatures in English at Ithaca College. He is the host of the literary interview podcast, Burned by Books, and he is host and co-producer on Novel Dialogue, the podcast of the Society of Novel Studies, both of which are New Books Network partners. His most recent essays appear in NOVEL, MFS, Critique, and Public Books. Caroline Levine is David and Kathleen Ryan Professor of the Humanities at Cornell University. She is the author most recently of The Activist Humanist: Form and Method in the Climate Crisis, and Forms: Whole, Rhythm, Hierarchy, Network. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/british-studies

How has a writer known principally for his contained domestic novels come to represent the most dynamic elements of world literature? In Kazuo Ishiguro Against World Literature (Bloomsbury, 2025), Chris Holmes expands our understanding of how world literature engages with the most pressing crises of the 20th and 21st centuries by examining Ishiguro's fascination with characters who are profoundly constrained in their ability to understand global systems to which they are subject. Rather than following the established pattern of so-called global novels, which crisscross the planet exhibiting a knowing cosmopolitanism, Ishiguro's fictional engagement with the world comes principally in the form of characters who are cut off from the global systems that abuse them. By examining the ways in which Ishiguro foregrounds the in-process thinking of those who fail to comprehend their place in the flow of politics, culture, and ideas, Holmes positions Ishiguro as the great chronicler of everyday lives, and as such, prepares a mode of reading world literature that questions the assumptions for how we live and think with others when each of us is deeply limited. Chris Holmes is Associate Professor and Chair of Literatures in English at Ithaca College. He is the host of the literary interview podcast, Burned by Books, and he is host and co-producer on Novel Dialogue, the podcast of the Society of Novel Studies, both of which are New Books Network partners. His most recent essays appear in NOVEL, MFS, Critique, and Public Books. Caroline Levine is David and Kathleen Ryan Professor of the Humanities at Cornell University. She is the author most recently of The Activist Humanist: Form and Method in the Climate Crisis, and Forms: Whole, Rhythm, Hierarchy, Network. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/book-of-the-day

The Mexican Firing Squad is a bonafide tequila-based classic with almost 100 years' history — despite what its '70s-disco-era-sounding name suggests. As James O'Donnell, bar manager at Fives Bar in New Orleans, puts it, the MFS is a great recommendation for those looking to riff on the Spicy Margarita. But it's also so much more than that. Listen on (or read below) to discover James' Mexican Firing Squad recipe — and don't forget to like, review, and subscribe!James O'Donnell's Mexican Firing Squad Recipe Ingredients - 4-5 dashes Angostura bitters- ¾ ounce fresh lime juice- ¾ ounce Hibiscus grenadine (1:1 Pom juice to sugar + 5-7 grams dried hibiscus per quart)- 2 dashes Árbol Chile tincture (Blanco tequila and Chile de árbol)- 2 ounces reposado tequila, such as Patrón- Garnish: dehydrated lime wheelDirections 1. Add all ingredients to a cocktail shaker with ice.2. Hard shake until well chilled and strain into a Rocks glass filled with cubed ice.3. Garnish with a dehydrated lime wheel.

#ThisMorning on #BRN #Wellness #1954 | Modern Hearing Technology Puts Better Hearing Within Everyone's Reach | Bill Schiffmiller, MFS, Akoio  | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness and #More - #Everyday |  #Subscribe with #DiscountCode ‘BRN20'

Every other Monday I co-host another film podcast, The Midnight Film Society, and this week we looked back at 2024. Damian and I count down our top 10 films from last year. Listen to MFS on Apple, Spotify, or wherever you get your podcasts! For more info head to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠underratedmoviepodcast.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Patreon: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://patreon.com/UnderratedMoviePodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://instagram.com/underratedmoviepodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@underratedmoviepodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UCAbpTHWyBle7yKJv4-gR_g⁠⁠

What were the top moments from All Angles Season 3? And why are they important to investors? In the final episode of season 3, host Vishal Hindocha and George Beesley, Client Sustainability Senior Strategist, listen back to the three top themes —AI, human rights and ESG metrics — and explore how they impact investors. Have any topics you would like to hear covered in season 4? Please email them to AllAngles@MFS.com ! Related Content: Stewardship Resourcing Report from the Thinking Ahead Institute: Putting Resources Where Stewardship Ambitions are Structured Measurement to Empower Asset Owner-Asset Manager Conversations The Stewardship Resources Assessment Framework   This material is intended for investment professional use only and not intended for retail investors.   The views expressed are those of the speaker and are subject to change at any time. These views are for informational purposes only and should not be relied upon as a recommendation to purchase any security, or as an offer of securities or investment advice. No forecast can be guaranteed. Past performance is no guarantee of future results. Please keep in mind that a sustainable investing approach does not guarantee positive results and all investments, including those that integrate ESG considerations into the investment process, carry a certain amount of risk including the possible loss of the principal amount invested.  Distributed by:  U.S. – MFS Institutional Advisors, Inc., MFS Investment Management and MFS Fund Distributors, Inc.; Latin America – MFS International Ltd.; Canada – MFS Investment Management Canada Limited. Note to UK and Switzerland readers: Issued in the UK and Switzerland by MFS International Limited, a private limited company registered in England and Wales with the company number 03062718, and authorised and regulated in the conduct of investment business by the UK Financial Conduct Authority. MIL UK, an indirect subsidiary of MFS®, has its registered office at One Carter Lane, London, EC4V 5ER.  Note to Europe readers: Issued in Europe by MFS Investment Management S.à r.l. – authorized under Luxembourg law as a management company for Funds domiciled in Luxembourg and which both provide products and investment services to institutional investors and is registered office is at S.a r.l. 4 Rue Albert Borschette, Luxembourg L-1246. Tel: 352 2826 12800.  This material shall not be circulated or distributed to any person other than to professional investors and should not be relied upon or distributed to persons where such reliance or distribution would be contrary to local regulation; Singapore – MFS International Singapore Pte. Ltd.; Australia/New Zealand - MFS International Australia Pty Ltd holds an Australian financial services licence number 485343. MFS Australia is regulated by the Australian Securities and Investments Commission.; Hong Kong - MFS International Limited, a private limited company licensed and regulated by the Hong Kong Securities and Futures Commission. MIL HK is approved to engage in dealing in securities and asset management regulated activities and may provide certain investment services to "professional investors" as defined in the Securities and Futures Ordinance.; For Professional Investors in China – MFS Financial Management Consulting Co., Ltd. 2801-12, 28th Floor, 100 Century Avenue, Shanghai World Financial Center, Shanghai Pilot Free Trade Zone, 200120, China, a Chinese limited liability company registered to provide financial management consulting services.; Japan - MFS Investment Management K.K., is registered as a Financial Instruments Business Operator, Kanto Local Finance Bureau No.312, a member of the Investment Trust Association, Japan and the Japan Investment Advisers Association. As fees to be borne by investors vary depending upon circumstances such as products, services, investment period and market conditions, the total amount nor the calculation methods cannot be disclosed in advance. All investments involve risks, including market fluctuation and investors may lose the principal amount invested. Investors should obtain and read the prospectus and/or document set forth in Article 37-3 of Financial Instruments and Exchange Act carefully before making the investments. South Africa - This document, and the information contained is not intended and does not constitute, a public offer of securities in South Africa and accordingly should not be construed as such. This document is not for general circulation to the public in South Africa. This document has not been approved by the Financial Sector Conduct Authority and neither MFS International (U.K.) Limited nor its funds are registered for public sale in South Africa. Unless otherwise indicated, logos, product and services names are trademarks of MFS and its affiliates and may be registered in certain countries. MFS may incorporate environmental, social, or governance (ESG) factors into its investment decision making, fundamental investment analysis and engagement activities when communicating with issuers. The degree to which MFS incorporates ESG factors into its investment decision making, investment analysis and/or engagement activities will vary by strategy, product, and asset class, and may also vary over time, and will generally be determined based on MFS' opinion of the relevance and materiality of the specific ESG factors (which may differ from judgements or opinions of third parties, including investors). Any ESG assessments or incorporation of ESG factors by MFS may be reliant on data received from third-parties (including investee companies and ESG data vendors), which may be inaccurate, incomplete, inconsistent, out-of-date or estimated, or only consider certain ESG aspects (rather than looking at the entire sustainability profile and actions of an investment or its value chain), and as such, may adversely impact MFS' analysis of the ESG factors relevant to an investment.

John Garrett overviews MFS's recently-debuted active ETFs and makes the case for active management despite major inflows into passive ETFs this year. He talks about how MFS's platform seeks to achieve sustainable business models regardless of what the technicals say. ======== Schwab Network ======== Empowering every investor and trader, every market day. Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6D Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribe Download the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185 Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7 Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watch Watch on Vizio - https://www.vizio.com/en/watchfreeplus-explore Watch on DistroTV - https://www.distro.tv/live/schwab-network/ Follow us on X – https://twitter.com/schwabnetwork Follow us on Facebook – https://www.facebook.com/schwabnetwork Follow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Wendy Steele by any standard is an innovator, a leader and she is clearly unstoppable. She was born in Connecticut and, even from an early age, she was taught the value of giving back. For a while she didn't really buy into the concept, but then her mother died. She realized at some point that the community around her selflessly helped her and the rest of the family with food and other support. She will tell us how one day a neighbor lady took her to the mall to buy her a dress for her first dance. As she tells the story, her father thought that all he needed to do was to take Wendy to Sears to buy something. Wendy's neighbor set her father straight which was one of those learning moments for Wendy when she realized just how unselfish her neighbor was and how so many people worked to help her and the family.   Wendy went to college where she majored in economics and then went to work in the banking industry. Unlike many, Wendy always used her job to help ensure that the banks for which she worked truly adopted an attitude of helping the community rather than just working to maximize profits.   While continuing to work for banks, in 2004 while then having moved to Cincinnati, Wendy decided to start Impact100, an organization designed to really give back to the local community. I leave it to Wendy to describe the organization, its founding and its major success over the years. The story shows us all what one person can do if they are committed and if they want to help others. Suffice it to say that today, Impact100 is in several countries and has given over $140,000,000 to local community organizations and projects.       About the Guest:   Wendy H. Steele, Founder and Chief Executive, Impact100 A dedicated philanthropist, passionate entrepreneur, and inspiring speaker, Wendy Steele is the founder of Impact100, a grassroots global movement that has given away more than $140 million since its inception in 2001. From a young age, her family instilled in her the value of giving back with the intention of leaving the world a little better than she found it, leading Steele to dedicate much of her adult life encouraging generosity in all its forms. She believes that each of us has something important to give.   In 2023, Wendy released her bestselling book, Invitation to Impact: Lighting the Path to Community Transformation. Filled with personal stories and expert guidance, she shares the history of Impact100 and why she was compelled to pivot from a successful banking career into full-time work at Impact100 Global.   Wendy has received several awards for her work in philanthropy, including the 2024 USA TODAY Woman of the Year. Also in 2024, Steele received an Anthem Award for Humanitarian Action & Services, Best Local Community Engagement for her work with Impact100 Global. In 2021, she was named by Forbes as one of fifty women over fifty who are leading the world in impact.   Her work in philanthropy has been featured in several books, including The Transformative Power of Women's Philanthropy; Women, Wealth and Giving; Creating a Women's Giving Circle; and The Right Sisters—Women Inventors Tell Their Stories. Steele believes wholeheartedly in giving back to her community. She observes that there are two kinds of people: those who see the problems in the world and realize they can be a part of the solution and those who still need to be invited to the party.   Ways to connect with Wendy:   Impact100 Global website: https://impact100global.org/ Wendy H Steele website: https://wendyhsteele.com/ Facebook: https://www.facebook.com/wendy.h.steele/ LinkedIn: https://www.linkedin.com/in/wendysteele/ Book: Invitation to Impact: Lighting the Path to Community Transformation Available at Amazon: https://www.amazon.com/Invitation-Impact-LightingCommunity-Transformation/dp/B0C16GVSBP EMAIL: wendy@impact100Global.org       About the Host:   Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog.   Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards.   https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/   accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/   https://www.facebook.com/accessibe/       Thanks for listening!   Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below!   Subscribe to the podcast   If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can subscribe in your favorite podcast app. You can also support our podcast through our tip jar https://tips.pinecast.com/jar/unstoppable-mindset .   Leave us an Apple Podcasts review   Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.       Transcription Notes:   Michael Hingson ** 00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us.   Michael Hingson ** 01:21 Well, hi, and here we are once again with another episode of unstoppable mindset where inclusion, diversity and the unexpected meet. We get to do lots of unexpected, although, you know, we'll see if inclusion or diversity come into it. Our guest today, the person we get to chat with, is Wendy Steele. And Wendy is the founder of an organization called Impact 100 she's going to talk about that. I know she'll talk a lot about that because she's had a lot of involvement in that since 2000 I believe. Well anyway, Wendy, welcome to unstoppable mindset. We're really glad you're here. Thank   Wendy Steele ** 02:00 you so much, Michael. I'm happy to be with you today.   Michael Hingson ** 02:03 Well, tell us a little bit about kind of the early Wendy, it's always fun to start with things at the beginning. You know, so growing up and all that, I'd love to learn a little bit about you. Growing up,   Wendy Steele ** 02:15 absolutely I grew up. I was born in Connecticut, and then moved to St Louis, Missouri, or my family did when I was young. I'm the middle of three daughters, and I grew up in a family that really instilled the value of giving back, that each of us had a responsibility to leave the world a little bit better than we found it, and that was something that I took very much to heart as a young girl. But it wasn't too long. In fact, I hadn't even entered high school yet when we lost my mother, and at that point, the tables turned a little bit, and I went from seeing myself as someone who could help others to understanding that I needed help. My sisters needed help. My dad needed help, and we got it from a lot of local women who really never even knew my mom, but knew what three young girls and a single father would need during times like this, and it it really changed my whole perspective to understand what a difference it can make when somebody steps in to help you when you really need it most.   Michael Hingson ** 03:34 So kind of all that help that you got from women where you were and all that, I guess, sort of enhanced or justified what you had been learning growing up about giving back   Wendy Steele ** 03:52 exactly and and it, but it flipped the switch. You know, because giving to other people gives you a certain satisfaction. But at least in my young life, I didn't really know how it felt on the other side of the transaction, if you will, the other side of my generosity. And once I did, it really changed my perspective, and if anything, made me quicker to help others.   Michael Hingson ** 04:23 So when did you figure that out? Because you had sort of indicated that your your view had sort of switched, and then you started getting help. So when did you figure out that? Well, maybe it was right from the beginning.   Wendy Steele ** 04:39 Yeah, it was pretty early on. You know what? What happened that made it different for us was that when my mother died, you know, the women came around us the way you might expect in the beginning. You know, we had casseroles left on our front doorstep, or moms would offer to drive extra carpool. Shifts, or, you know, little things in the beginning, like that, that that are very helpful. But the remarkable thing was, is that several of these women, they just kept helping. So by the time I was invited to my first high school dance, one of the moms stepped in and took me shopping, because my dad's idea of where we should go for a nice dress for a formal dance for a young girl was Sears, and luckily for me, this mom took me to the mall and I got to pick out a dress that was a little bit more suitable to my age and and she smoothed everything over with my father and told him that the dress was appropriate. So she really did what I call PhD level giving and understanding that it can be sometimes easy to give in the beginning, but then we get distracted and we move on. And there were women who never moved on. They just kept helping without ever being asked, before we even really knew what we needed.   Michael Hingson ** 06:09 Well, your dad was well intentioned, though. Yes, just not, not very knowledgeable where girls were concerned and all that stuff, exactly, yeah. Well, so where did you go to high school? Where was that in southern Missouri?   Wendy Steele ** 06:29 Yes, I went to high school in Saint Louis, and I was, I went to a Catholic all girls school, but I wasn't Catholic, and I was the I was the only non Catholic in my class, but I went there because all my friends were going to go there. And I couldn't imagine staying in the public school system if all my friends were going to an all girls Catholic school and I and I loved it there. Yeah, me a minute, but I loved it there. Well,   Michael Hingson ** 06:58 that's cool. And was that an extra expense, or did was there a scholarship? Or how did that work? Because I'm sure that would have fretted your dad a little bit.   Wendy Steele ** 07:10 You know, this, the school that I went to is one of the most affordable schools in the area, so although there was an expense, it wasn't a burdensome one. So it it worked out the way it did. So when I think he was really happy to know that I was safe and I was in an all girls school versus, you know, whatever was happening at the time in the public school where we lived,   Michael Hingson ** 07:36 yeah, which even now is probably a whole lot more riskier than when, when you were going to school, right? Yeah, I'm sure I I don't know all the things that I hear and so on. I think it would be really hard to be a parent today, and it would even be harder to be a kid because of all the stuff with social media, all the temptations, and it's so easy to fall into so many traps, and it was certainly not that way nearly as much when I went to school and you went to school after I did. So I'm but I'm sure you experienced the same sort of thing. So it's, I just think, a whole lot worse. Now, it's kind of scary, isn't it?   Wendy Steele ** 08:16 Yeah, yeah. I am happy I got through it all when I did before social media would record my every mistake or, you know, embarrassing moments. So yeah, now, do you have tougher on kids today?   Michael Hingson ** 08:30 Do you have kids?   Wendy Steele ** 08:33 I do, um, is so I am in a blended family, and together, we have five children, three came from my first marriage, and two came from my husband's first marriage. And so we are very, very lucky to have five amazing adult children, yeah,   Michael Hingson ** 08:52 but even though they're adult children, they they went to school after you. So I'm sure they probably would if they're reasonably settled, say the same thing, that it'd be a whole lot tougher to be a kid today. Yeah, it's for sure. Yep, yeah, that's too bad. But you know, we'll, we'll get through it, and maybe it does help build character if we can teach kids what they need to know, and they can resist all the temptations. But that's a less epic for another day, I guess. I guess so. What did you do after high school?   Wendy Steele ** 09:29 Well, after high school, I went to Connecticut College, and I studied economics. My grandfather was a banker, and my grandfather taught me when I was a young girl, this would be my mother's parents. My my grandparents really were also very helpful after my mom died and he was a banker. When I asked him why and what made him, you know, stay in the banking business, he said that as a. Banker, you get to help people, and he explained about loans to help someone start or grow their business. Now, he was a banker in the in rural Michigan, so a lot of his customers, they were farmers, and they were people who might have owned a very small business, but they were saving for education or for retirement, they were trying to make sure that they could take care of their families. And he described how banking worked and how it could help people achieve the goals that they set for themselves. He also told me that during the Great Depression, not a single customer of the bank was foreclosed upon. Every single every customer got dealt with on an individualized basis to work out a repayment that could work for them. And hearing this and admiring and loving my grandfather the way I did, I thought, well, that's what I want to do when I grow up, and that's exactly what happened.   Michael Hingson ** 11:04 That's that is kind of cool, that not one person was foreclosed on and they they survived and they moved forward over time. Yeah. Yeah, absolutely. And once again, the theme with your grandfather going back to obviously, he taught your mother the idea of help, and that's that's interesting, that that bankers, or at least some bankers, are in it to help, as opposed to just making a huge profit for the bank.   Wendy Steele ** 11:38 Yeah, yep, absolutely, he was definitely one of those bankers, and I think in those days, they had enough latitude that they actually could help customers. I think it's harder now with the regulation and all the things that govern banking, but it definitely was able to work that way for them.   Michael Hingson ** 11:58 Yeah, yeah. I was going to ask if you think it's tougher now, and I can see that there's, well, there's more regulation. Unfortunately, sometimes the regulation is deserved, which also is a challenge, but it's the way we have to deal with it. So you got a bachelor's degree in economics? I did, yep. Did you go on and get any advanced degrees or stick with   Wendy Steele ** 12:23 that? I went, I went right into banking and and stayed in the banking business for just over 20 years. Um, my specialty was in the private bank, and so I took care of high net worth clients. And by the time I got out of banking, I had made it to senior vice president and regional manager of a Midwestern regional bank holding company, and I loved my clients, I loved my colleagues, and I really did feel like I was helping them to achieve their dreams and their goals in much the same way my grandfather did. The the methods were different because of the regulation, as we've talked but, but the end is still the same.   Michael Hingson ** 13:13 How did the regulations make it different?   Wendy Steele ** 13:16 Well, you know, in my grandfather's time, he had a lot of autonomy, and in his case, he didn't abuse that autonomy. But regulations come in, and now there's a lot more structure and a lot more approvals. And you know, you want to make sure that everyone is protected. So it changed slightly in that way, but big picture, I think the heart of banking is still to help people, and understanding that sometimes turning down someone for a loan is helping them more than giving them what they ask for. Because as a as a lender, we can do the math and decide, you know, figure out the odds of that individual being able to repay that loan. And so when we say no, we're actually setting them up for success in the sense that we're giving them something that they'll be able to repay.   Michael Hingson ** 14:17 Well, you know, the thing that comes to mind immediately is the whole issue with regulation is that a handshake doesn't suffice anymore. And again, given the world, maybe that's the way it needs to be.   Wendy Steele ** 14:32 Exactly, yeah, I think you're right. So   Michael Hingson ** 14:36 you you went into banking, and where did you do that.   Wendy Steele ** 14:41 Um, well, I started in Connecticut, and I worked in Connecticut for a little while, and then I was transferred to Boston, and I was in Boston, and then back to Connecticut, but eventually I ended up in Cincinnati, Ohio. Well, that's   Michael Hingson ** 14:59 different. Yeah. How did that happen?   Wendy Steele ** 15:04 Well, my my then husband, also was in banking, and he was recruited to go and work for a different bank in Cincinnati, and moving from the east coast, where the cost of living is very high to a place like Cincinnati, where there's a good number of high paying jobs there, because there are lots of corporate headquarters in Cincinnati, but the cost of living is very low. And so he accepted the job, and I came along as what they call the trailing spouse, and I ended up getting a job in another bank and doing work there for about a dozen years, and Cincinnati was was really terrific. That's where all three of my kids were born, but that's also where my marriage fell apart and I ended up with a divorce, but it was a great place to to work and play and raise a family.   Michael Hingson ** 16:07 Yeah, divorce is no fun, but if that's what needs to happen, and then that's what needs to happen,   16:13 exactly, yeah, well, that's   Michael Hingson ** 16:17 cool. And you were in a nice well, you were with Boston and Connecticut too, but a nice cold Arena in Cincinnati,   16:25 yes,   Michael Hingson ** 16:28 good, good place to throw snowballs if you're in the right place.   Wendy Steele ** 16:33 Well, we didn't get all that much snow, yeah, a little bit more icy than snowy, but, um, but not bad. Not bad at all.   Michael Hingson ** 16:41 Yeah, so it wasn't very wet snow, and so you couldn't really make good snowballs.   16:45 Mm, hmm, yeah.   Michael Hingson ** 16:48 Well, gee, we all have to put up with things. But that's that's still pretty good. So you were there for 11 years or so, and then what did you do?   Wendy Steele ** 17:01 Well while I was there, I I guess I should back up. When I moved to Cincinnati, I moved there, not knowing anyone, and so I did what I always did, and that was I, I volunteered in the community and every bank that I've ever worked in part of my interviewing of the bank to decide whether I would accept a job if it was offered, was to understand how they felt about community service, you know, and whether they valued it truly and allowed their employees to be out in the community. And so I've been very fortunate to always work for banks that legitimately wanted their people helping out in the community, and so I got involved in the community. I was working in the bank, and I was meeting a bunch of terrific women and a lot of very worthy nonprofits, and I would invite the women I've met along the way to come and join me as I am rather a generalist. I don't have a pet cause that I really care about. I like to help out the nonprofits that I feel are doing the best job solving the pressing problems that they face. Women would tell me all the reasons why they couldn't join me. They couldn't pay a sitter $10 an hour to come and volunteer with me, or maybe they traveled for work and they couldn't go to regular meetings. There was this sense that they didn't know enough. They didn't have enough to give to make a difference, they would tell me that if they ever made a donation in the past, they never really knew what happened. Did the money get spent? And how did it matter? What happened because of their donation? There was also a little bit of skepticism after a high profile nonprofit CEO was caught misbehaving after making quite a lot of money and seemingly getting paid better than his for profit counterparts, and what I knew was that women needed to be involved in the solution. They needed to know what it felt like to give back. But what I realized was that as much as women's roles had evolved over the last several generations, women's philanthropy really hadn't everything in the world of of women giving back was time based. It was based on volunteering and rolling up your sleeves. And although I think that's a vital part and really a powerful part, of helping others, we weren't doing as much in the actual check writing to support nonprofits and. So in the summer of 2001 I got out a spiral notebook and a pen, and I started to write down all the reasons women had told me as to why they couldn't get involved in the community, and one by one, I I worked to overcome every one of those reasons, like, I suppose any good salesperson would, and when I was finished, what I had on the page is what ultimately became impact. 100   Michael Hingson ** 20:33 Mm, hmm. So you are obviously on a journey, and you wanted it to to deal with it. So when you say you overcame them and you overcame all the objections. What does that mean?   Wendy Steele ** 20:47 Well, for example, women who said they couldn't make regular meetings, or the women who said they didn't think they had enough to give. What I did is I created impact 100 to overcome those sort of in this case, what it means is, in a local community, the goal of impact 100 is to gather at least 100 women who each donate $1,000 pool 100% of that money together and offer it right back to the local community in grants of $100,000 or more. Women, other than making their $1,000 donation, had no obligation of time. It was one woman, one donation and one vote by democratizing philanthropy in this way, women who didn't have time to go to meetings or weren't interested in going and being a part of the of the vetting of these nonprofits, they didn't need to, but Those who did, it was a very transparent process, they could see and understand exactly what the nonprofits were looking for, and everyone had an equal voice at the table. And when we do this, it just creates a very powerful network of women who are passionate about helping their community and coming alongside each other. And so that first year, we had 123 women write a check. We received over 100 applications from local nonprofits and ultimately awarded a single grant of $123,000 to the mcmicken Dental Clinic, which is in over the Rhine, which at that time was one of Cincinnati's most challenged neighborhoods. It's now gotten much better, but then it was a it was a difficult part of town, and this particular clinic took care of the dental needs of the homeless and uninsured and and really change lives in a significant way.   Michael Hingson ** 23:08 So you gave back everything that you took in. How does that help pay for the administration of the organization?   Wendy Steele ** 23:16 It doesn't. That's, that's the idea is that impact 100 locally is run by volunteers, and the reason that we give 100% of those donations is so that no one has to wonder what the overhead expenses are or how it's being spent. Now, there are expenses to running a nonprofit, even if staff isn't one of them, so we invite women to join as what we call 110% members. You know, women will often tell us that they give 110% to the causes they care about. Well, if impact is one of them, then instead of writing a check for $1,000 we ask them to write a check for 1100 and the extra 100 helps to cover administrative expenses. Also we have men, and we have companies, and we have families, and in some cases, foundations who also want to be a friend of impact 100 and they can make a donation in any amount, and it's used purely to cover the costs of things like mailings, and you know, the tactical things that you'd have to do to do your work as a nonprofit. There were local companies that offered pro bono services and products, understanding that this relatively large group and growing group of women would also be women who might need their printing services or might need flowers for a graduation or for a baby shower or whatever it might be. And so we allow in every community. Community, the local community, to come around that chapter and sort of help it to reach its highest potential.   Michael Hingson ** 25:10 So you that's, that's pretty clever. And so you, you were in Cincinnati, and then you obviously went somewhere else.   25:22 Yes, yeah,   Michael Hingson ** 25:24 fitness can't stay in one place, can you? I   Wendy Steele ** 25:27 guess not? Yeah, I guess not. But I've been lucky, because I really liked everywhere that I've lived. But yeah, from there, I ended up moving to Northern Michigan with my three kids, and I lived there for about 15 years, during which time I was still a banker for much of it, and I also was doing the Work of impact 100 and in those intervening years. Gosh, impact 100 has just continued to grow. And now, about five years ago, my mom, as you know, died when I was a kid. My father passed away in 2013 but my husband's parents were here in Florida. And so about five years ago, we were empty nesters. The kids had all gone to college and beyond, and we worked remotely back way before COVID. And so we decided that we would spend a little time in Florida to help his his parents. And so we ultimately ended up here. His mother passed away in 2022 but his dad is still going strong, and he will be 94 in November. So he is really amazing, still as sharp as attack, and in really good health all the way around, and a real joy to be around. So that's what brought us here.   Michael Hingson ** 27:05 That's cool, well and and impact 100 continues to grow,   Wendy Steele ** 27:13 yes. So we celebrated. We gave our first grant away in 2002 and that was Cincinnati for $123,000.20 years later, by 2022 we had given away, believe it or not, more than 123 million. So we grew 1000 fold in those 20 years, and then by the end of last year, we've given away north of $140 million and we now have chapters in four countries, and are growing faster today than we ever have before.   Michael Hingson ** 27:53 That's cool. And I assume in most states in the US, you   Wendy Steele ** 27:58 know, it's kind of spotty around the US. The thing with our growth is 100% of it is organic. And by that I mean someone locally raises their hand and says, Hey, I want to bring impact to my community. And so as a result, we sort of have clusters like we have a lot in Florida, we have a lot in New Jersey, and we have a lot in Michigan and and they're growing through word of mouth.   Michael Hingson ** 28:24 So I know that you talked about it being women that do it. Do men get involved at all   Wendy Steele ** 28:33 they can. So we have nine chapters in Australia and in Australia, all but one are gender neutral. Men and women joined together. And you know, part of the reason that they do it that way and that we keep it just with women in this country has to do with our history and theirs, and so in Australia, they really didn't have role models for giving that were men or women. Neither gender had really been involved in philanthropy. Whereas in the United States, you know, the founding fathers and then those very first wealthy entrepreneurs, they took their civic duty to heart. And so we really have an American history of generosity, although largely, as I said, largely men, women would typically have time and they would volunteer. But what struck me, and it was part of what led me to create impact 100 is I remember hearing a story about a local church, and they had come into some serious financial trouble, and so their lead pastor called his senior staff together and the head of the men's Guild and the head of the women's group, and explained the situation and asked everyone to go. Do what they could to raise money and to help this situation that was quite dire. Well, the staff went out and they they collected as many receivables as they could, they cut costs, they they stretched their payables, they got better terms, and they did what they could. The head of the women's group, she went out and with a group of women, my gosh, they they did a rummage sale, they did a bake sale, they washed cars, they they did all of this work. And at the end of this two week period, she happily delivered a check for $8,000 to the senior pastor. She'd never raised that kind of money so quickly. Well, then the head of the men's group, he came, but he delivered far more than that in a check, and she couldn't understand how he did it. And it turns out that he thought to himself, maybe with a spouse. Gosh, we want to help the church I can afford to write a check for x. And then he called his male friends and said, Hey, Michael, can you give what I gave? And Michael would probably say yes. And then he played golf with Joe, and then he had lunch with Steve. And the next thing you know, each one of these men wrote a check. And it wasn't at all that men were keeping women from writing a check. No one told the head of the women's guild that she couldn't simply write a check and ask her friends to do the same. It's that culturally, it never occurred to her to do, and as a banker, but also as somebody who understands that giving your time and your talent is very important and it's very helpful. Giving your treasure is very meaningful, too, and we short change ourselves when we only give one dimensionally, and I believe that's true for people who can only write a check. I think you have the most fulfillment in your life when you can do all three that's really when you connect with the nonprofits and the organizations that you're helping. And so that's kind of what drove it to be a women's organization here in this country.   Michael Hingson ** 32:26 Is it a 501 c3, Corporation?   Wendy Steele ** 32:30 It is, in fact, every local chapter, they're independent, so it's not one overarching every local chapter is an independent 501 c3, or they might be organized with a fiscal agent, like a community foundation or something similar.   Michael Hingson ** 32:49 So what other countries? You've mentioned Australia, and you said four countries. So what are the other two?   Wendy Steele ** 32:56 So we are also in New Zealand and we're in the United Kingdom. Okay,   Michael Hingson ** 33:02 any opportunities coming up on the horizon for being in other countries as well?   Wendy Steele ** 33:08 We're having conversations right now in Switzerland, in Germany, in parts of India and so we'll see. But it's it's starting to happen right now. We've got 73 active chapters around the world, but we have almost 60 communities that are looking to launch. They're sort of figuring out whether they're going to be able to bring an impact 100 chapter. Impact 100 is really simple and really powerful, and it's easy to understand, but it is difficult to execute well, because when you give away grants, our minimum grant size is $100,000 and when you give away grants of that size, you take we take our responsibility of stewarding our members money very seriously, and so there's a lot of process to make sure that when we give a grant of $100,000 it goes to exactly what it's supposed to go to, and our members dollars are protected and and well cared for. What's   Michael Hingson ** 34:22 the largest grant that you've given?   Wendy Steele ** 34:26 Well, the largest grant was for $184,000 that was given to a single organization. But I will tell you that our impact 100 chapters can vary in size, right? The world's largest chapter in a single day gives away $1.1 million they have over 1100 members. And in fact, this year, they haven't, they haven't started giving money. Away yet, but they are giving away 1.2 million, and that is Pensacola Florida. So Pensacola Florida is the largest in terms of the biggest number of grants and biggest dollar amount. But the largest single Grant was in Cincinnati, and it was $184,000 but every increment of 100 members, we give away another grant. So 200 members, we give two grants and so on.   Michael Hingson ** 35:30 Now you talked about the cultural differences, like between men and women and so on, and I, having worked for a non profit, appreciate exactly what you say, which is, it's really, if at all possible, best, to have all three dimensions. Do you spend time? Or is there a way that impact 100 teaches members about maybe looking at being more than one dimensional in the whole giving process, that they can help people learn that it's culturally okay to write a check as well as going out and doing bake sales and and giving of your talents. So time count talents and treasure are all very important. Do you help teach people the value of that? You   Wendy Steele ** 36:17 know? It's interesting. I'm not sure that we necessarily teach people how to do that, although I think many of the women who come into an impact 100 chapter they are writing a check for $1,000 for the first time. In other words, they they've never written a check for that big it doesn't mean that they haven't donated to nonprofits prior to impact, but we have provided a viable path for them to feel like they can write that check. Now, very often, they're also interested in doing these other things, and so we do offer opportunities. They're invited to participate in ways where they can do things beyond writing the check. It's not a mandate by any means. It's simply an invitation. And many of them, once, they once they start getting involved, and they really start to realize that in every local community, there are heroes who are doing the heavy lifting in those nonprofits that are really moving the needle for the people in the causes that need it most. And I think it's more. It's like you're just compelled, you have to do more. And for those who have you know deep resources, they might write an extra check and help out financially. Others might introduce these nonprofits to their network or to other funders, and certainly others will volunteer, whether it's, you know, to paint the side of the barn or whether it's to sit on the on the board or an advisory committee to help they they find a way that works for both what the nonprofit needs and what the women's schedules and and other commitments will allow   Michael Hingson ** 38:14 Well, you have certainly created an interesting and a dedicated and committed community does impact 100 ever have meetings like national convention or anything like that, where people from around the country, or perhaps even around the world, come and get together? Or is that kind of something that doesn't really fit into the model of what you're doing?   Wendy Steele ** 38:42 No, we actually that's a great question. Michael, we do that. We call them global conferences, and we typically have people who come from outside the US. Right now we have only had them in the United States, but I imagine there will be a time that will have them overseas as well every other year. So my work at impact 100 global is I help existing chapters who because they're run by volunteers, you've got built in turnover, and those volunteer leaders need to be trained. They need to understand how the model works, best practices and resources. So my job is to work with all the existing chapters to help them reach their highest potential, and for the potentially founding chapters to get launched in as efficient and effective way as we can and some of the programming I offer includes a global conference every other year. So in 2023 we housed our global conference in Detroit, Michigan, and our next one is in 2025 and it will be in a pan. Handle of Florida. It'll be in Destin Florida, which it which will be a lot of fun. How   Michael Hingson ** 40:06 many people come? How many people came to Michigan? You   Wendy Steele ** 40:10 know, a couple of 100 usually come. In this case, it's usually three days, and it's a very intense curriculum. But women come, in part to learn from each other. And, you know, they end up meeting women from other parts of the world, other parts of the country, and friendships get forged, and it is a wonderful way for them to feel a bigger part of the community. Now, these only happen every couple of years. So every month, I have a virtual, what we call a chapter Chat, where chapter members can ask questions about, you know, I'm having trouble reaching a certain membership number. How, how do we attract new members? Or how do we retain our current members? Or how do we attract more nonprofit applicants? And so I answer the questions from my perspective being in this from the beginning, but other chapters will also weigh in and say what worked for them, or maybe what didn't work. And they give advice to each other as well. And so the more we can bring people together to create community and to learn from each other, the better off it is for everyone.   Michael Hingson ** 41:30 I understand that somewhere along the line, People Magazine learned about the work you're doing. I'd love to learn more about that and what happened when the story was published.   Wendy Steele ** 41:39 Yeah, absolutely. Well, so as I said, when I was in Cincinnati, you know, I was a banker and I didn't have a non profit pedigree, you know, I didn't do a lot of the things that you would expect someone who would end up founding a non profit would have done, um, we tried like crazy to get the local press in Cincinnati to tell our story, because we wanted all women to to know about this. All women in Cincinnati were invited and and even from the beginning, in 2001 the founding board was very diverse, and that's part of the secret sauce is you've got to represent your community in a way that would invite women to join. Well, that was, you know, that was fine, but for whatever reason, we really had trouble getting the Cincinnati press to tell our story. So when we had given away that grant to the mcin Dental Clinic, The Cincinnati Enquirer, which is the local paper, they wrote a story, and it was in the living section, you know, a few pages in, and it was a little small excerpt, but it had a, I think, a picture of me with a quote about the funding, and a quote From the clinic that received the grant. And, you know, it just talked very little bit about impact 100 Well, actually, the there was a writer or a reporter with People magazine located out of Chicago, and she was pitching her editor on a story covering eight or six or eight nonprofits, grassroots movements that were happening around the country. Of you know, people trying to do good, trying to help others. So she called me on my landline. Well, at that time, I almost hung up on her. I thought it was a prank call, because we'd had so much trouble getting local press. I certainly didn't think she was really from People Magazine. Ultimately, the magazine ended up writing a story only about impact 100 and me, and so she found us by the smallest little bit of media. Now, if I would have known when I was creating what I did in Cincinnati, if I'd known that it would grow like this, and had I known about the effect of that People magazine article, I don't know. I hope I would have still done it, but it may have been, may have felt too big for me. But it turns out that from that People magazine article, new chapters started launching. But one other thing happened, because it was People Magazine, they always talk about the people in the story, and in this case, they gave my maiden name. They gave they said I was divorced. They gave my whole life story, and believe it or not, a boy that when I was in high school, but during the summers, we went to Northern. Michigan, a boy that I dated in the summers, was somewhere at his doctor's office getting a physical, and he picked the magazine off the coffee table in front of him, started flipping through it, and came to my picture, recognized me, read the story and reached out, and that man is Rick Steele. We got married in 2005 and so we are getting ready to celebrate 19 years of marriage thanks, in large part to People Magazine. That's cool. Is she really cool? Yeah.   Michael Hingson ** 45:39 Well, it's a good thing, and it's and it's and it's lasting and sticking. So that's good.   Wendy Steele ** 45:45 Very good, absolutely. So, so   Michael Hingson ** 45:48 what does your husband do?   Wendy Steele ** 45:51 My husband is an industrial design engineer. He works for a company called Polaris, which most people think of Polaris as snowmobiles, which they do, but they also do Indian motorcycles. They do all the off road vehicles. They do something called a slingshot, which is kind of a fancy cross between a car and an ATV. But what my husband does for them is he puts the designs with a whole group of others, but he puts the designs in the computer for the next vehicle that's going to come out, or the next snowmobile, whatever it's going to be. And so He absolutely loves their product line, loves his work and is really good at it, and has been working virtually, as I said, for ages, so he can work from wherever he is. And he goes to Minnesota, where they're headquartered. You know, fairly often, because he really likes the people he works with, but most of the time he has a home office and stays right here,   Michael Hingson ** 47:01 and you finally are attached to and or working with someone who's not in the banking world. Yes, exactly, gone. Gone a different direction. Well, that's that's still cool. So you wrote a book, um invitation to impact. I'd love to learn more about that, what, what prompted it, and what's it about, and all of that.   Wendy Steele ** 47:30 You know, I, I always sort of had in the back of my mind, I thought I would write a book. Um, people had always asked about how impact 100 got started, and they they want, they were looking for me to do something like this. And what happened was Carrie Morgridge, who is part of the Morgridge Family Foundation and a prolific author in her own right. She and her husband John, created MFF publishing, which is the publishing arm of the mortgage Family Foundation. And she decided, or they decided, that they wanted to tell the stories of nonprofit leaders, that those were the stories they wanted to tell through their publishing arm. And so she asked if I had ever considered writing a book, and I said yes. And she said, perfect. And so I was the first book of MFS publishing. And what it really, what this book really talks about is part my personal story and part the story of impact 100 and then I would say part sort of generosity in general, why you want to train your kids to be generous, and how to do that and and the, you know, the good ways to give and the ways to give that really aren't all that helpful. Part of it was that, you know, if you if people in your audience were to hear me or see me on your podcast, and they think, oh, gosh, you know, this woman, it must have been easy, or she must be super smart, or she probably didn't make any mistakes. You know, I wanted to make the journey real that I made mistakes along the way, and there were things that I didn't get right, and I didn't have this perfect pedigree. But what I did is I didn't let go of the idea that I could make the world better, that I could create something that would make the kind of change that I was hoping to see. Because I think sometimes we all have ideas about what we can do and how we can help people, or some big idea, and then that voice in our head sort of talks us out of it. And so my hope is that. The people who read the book would understand that if I can do it, they can do it, and that you just have to stay true to your vision and work hard and surround yourself with people who know things you don't know, who are smarter than you in some areas, and who will respectfully challenge you in order to make you better. And that's a lot of what this book is about. It's, it's a very real look of the sort of behind the scenes   Michael Hingson ** 50:31 you talk in the book about your teaching your children to be generous through volunteering and so on. But what other ways, or how else did you instill generosity in them?   Wendy Steele ** 50:43 Yeah, gosh, thank you. Um, you know, through everything, we used to volunteer together. Um, we would raise money to help different causes that the kids would work on that they were interested in. In the beginning, it was the animal shelter, but it would grow. One of the most important things I did when they were very, very young is it was around Thanksgiving time, maybe just after and, you know, Christmas was coming up, and the kids were little, and they were talking about what they wanted Santa Claus to bring. And I we had a basement playroom, and I brought them down there, and I said, Well, my gosh, look your your shelves have books and toys and games. There's no room for anything else. And I explained that there were kids who didn't have what they had. And maybe before they start thinking about the list of what they want, maybe they should think about the things that another child might really enjoy playing with. And so the kids each filled big black garbage bags, you know, those leaf bags with toys and stuffed animals and things that they didn't necessarily play with anymore. And then I did something that I I would advise any parent who's trying to instill this in their kids. I called the organization that we were going to drop off these things at, and I explained the kids ages, they were all little, and that I just wanted someone there who would engage the kids when we brought in this bag of of toys that would thank them and and connect their gift to What was going to happen. And that that nonprofit leader did an amazing job. So we showed up at the appointed hour, and instead of, you know, just sort of dropping it, we brought it in. And this executive director, who was a man, he spent so much time with my kids, asking them about each item, and do I think a little boy or a little girl would like it and and it really made a huge impression on them. If you do that once, that's all it takes. Now, next year, we did the same thing, but I reminded them of the experience. In other words, you don't have to make a big moment out of everything, but make the moments when you can so that it sticks in their heart. I also had given them a piggy bank that was plastic. It was designed to have a compartment for spending, a compartment for saving and a compartment for giving. And their allowance would be divided in thirds. And every week we would put money in all three and the kids would talk about what they were saving for something big, what they wanted to spend, that they could spend that week, and then where they might do the giving, and when you can take money, equate it to chores that they did to earn their allowance, then relate it to their piggy bank in a tangible way, it teaches them budgeting. It teaches them understanding that saving, spending and giving are all equal, that we need to budget for all three of those things. And what can happen if we don't budget for any one of those is that, you know, it's not nearly as fulfilling. And so there were, there were lots of experiences like that that I worked with the kids on that have stayed with them ever since.   Michael Hingson ** 54:46 Well, what's next for impact 100   Wendy Steele ** 54:50 Oh, my goodness. Well, right now we are growing at a faster pace. What's next is my work at globe. Global, you're talking to the entire staff of global. And so I work longer hours and more than I should. And so what's next is building sustainability, getting some I'm working very hard to bring in funding so that we can have a staff of people, and if, as they say, I am hit by the proverbial bus, there will be my institutional knowledge will be in the hearts and minds of others. It'll be codified in a systematic way that will make it easier for impact 100 to thrive well beyond my lifetime. So that's the most important thing I'm working toward right now.   Michael Hingson ** 55:44 And that's always a good thing to work toward. It's a great goal, sustainability and and keeping true to the model is is very important by any standard. Yes. So what would your message be to anyone who is considering driving real change, or who want to drive real change, and especially who are concerned and apprehensive about getting involved in doing things.   Wendy Steele ** 56:19 You know, I would say, listen to your heart, that if there is something that's on your mind and on your heart that you think you want to do, I would listen to it. I believe that that thing that's in your head or in your heart, it it's an indication that it's your responsibility to affect change in that particular area. So don't self select out, trust your feelings and do what you can where you are, and if you can involve other people in it, all the better. You know, when I created impact 100 I'd never given $1,000 to a charity. I'd I'd never done that, but I knew I could do it, but I also knew that me doing it alone wasn't going to move the needle the way it would if I brought everyone else along. And so I hope that anyone who's out there listening and who has an idea or an inkling of what they think they want to do, I hope they pursue it with as much passion and energy as they can muster, because it likely will be much more effective than they can imagine, and it really can make the world a better place.   Michael Hingson ** 57:35 If people want to reach out and contact you, maybe talk about starting a chapter, maybe learning more about impact 100 or who want to meet you? How do they do that?   Wendy Steele ** 57:44 Gosh, they can reach me at Wendy at impact 100 global.org or I have a website called Wendy H steel.com and so they can, they can find me there. I'm very easy to find   Michael Hingson ** 58:04 well, and that obviously means a lot. So and steel is S, T, E, E, L, E, just to make sure people know great well, I want to thank you for taking the time to be with us today and talking about all of this. I think it's important. I think it's valuable. And I think you've given us all a lot to think about, and hopefully we'll think about the whole concept of giving and donating our time and treasures and talents in a little bit different way.   Wendy Steele ** 58:40 Thank you, Michael. I'm so glad to have been with you today.   Michael Hingson ** 58:44 Well, I really appreciate it. Love to hear from all of you out there as to what you think. If you have any thoughts or want to reach out to me, you're welcome to do so you can reach me at Michael H, i@accessibe.com that's m, I, C, H, A, E, L, H, I at accessibe, A, C, C, E, S, S, I, B, e.com, go to our podcast page if you would, w, w, w, dot Michael hingson.com/podcast, where you can observe all the episodes that we've had, and that's another way to reach out to me. Michael hingson is m, I, C, H, A, E, L, H, I N, G, s, O n.com/podcast, wherever you're listening, would really appreciate it if you give us a five star rating. We love those ratings, and we love your reviews and your thoughts, so please don't hesitate. And if you know of anyone who might need the opportunity to be a guest on a podcast. And Wendy, you as well. Please feel free to reach out, provide introductions. We're always looking to meet more people and bring more people into unstoppable mindset. So please do that. So once again, Wendy, I want to thank you for being here. This has been a lot of fun. Thank you,   Wendy Steele ** 59:57 Michael. This real treat for me too. You.   Michael Hingson ** 1:00:05 You have been listening to the Unstoppable Mindset podcast. Thanks for dropping by. I hope that you'll join us again next week, and in future weeks for upcoming episodes. To subscribe to our podcast and to learn about upcoming episodes, please visit www dot Michael hingson.com slash podcast. Michael Hingson is spelled m i c h a e l h i n g s o n. While you're on the site., please use the form there to recommend people who we ought to interview in upcoming editions of the show. And also, we ask you and urge you to invite your friends to join us in the future. If you know of any one or any organization needing a speaker for an event, please email me at speaker at Michael hingson.com. I appreciate it very much. To learn more about the concept of blinded by fear, please visit www dot Michael hingson.com forward slash blinded by fear and while you're there, feel free to pick up a copy of my free eBook entitled blinded by fear. The unstoppable mindset podcast is provided by access cast an initiative of accessiBe and is sponsored by accessiBe. Please visit www.accessibe.com . AccessiBe is spelled a c c e s s i b e. There you can learn all about how you can make your website inclusive for all persons with disabilities and how you can help make the internet fully inclusive by 2025. Thanks again for Listening. Please come back and visit us again next week.

Carol Geremia is president of MFS Investment Management® (MFS®) and head of Global Distribution. She leads the firm's worldwide client-facing teams as well as product and marketing strategy. Since joining MFS in 1984, Carol has held roles focused primarily on fiduciary responsibility, stewardship and sustainability, and she has actively engaged with clients at all levels to ensure that the firm builds products and services aligned with their needs. Carol is a member of the Investment Company Institute's Board of Governors, the City Year Seven Generations Board, the MFS Charitable Oversight Committee and as an Advisory Council member for Bridge Over Troubled Waters, Inc. Carol's career journey had an unconventional start in that she initially pursued a career in fashion.  We probe this intriguing fact and consider the similarities between the two worlds of fashion and investing. One aspect that is similar is the existence of trends and fads – and the importance of developing an eye to detect one forming and then of discerning which ones are likely to endure.  When we translate this into the world of investment products it is clear that investing also has cycles, fads and fashions and that “reading the room” or client appetite in this respect is a critical skill.  Carol charts her rise through MFS by referring back to a common touchstone – the importance of putting clients first.  She describes her mentors, and how she learned to overcome anxiety around performance in front of clients and how critical it was that she had found a home in which it was possible for her to be her authentic self.  This is a searing portrait of leadership through compassion and self-awareness.   This podcast is brought to you with the kind support of Longview Productions. 

How can investors include human rights and worker safety in their valuation analysis? And what's the best way to engage with companies on these social issues? ESG disclosures matter but they may not provide the full picture. In this episode of the All Angles podcast, Rob Wilson, Director of Global ESG Integration at MFS, delves into the use of increasingly available labor data to question corporate management and help make long-term investment decisions. Chapters: (0:36) Rob's professional background (3:42) Turning point from traditional equity analyst to sustainability specialist (9:13) The intersection of human rights issues and investments (12:35) Using hard data as well as corporate disclosures to make informed decisions (15:27) How median pay data helped to compare consumer discretionary companies (20:13) The rich opportunity set for active, long-term investors (23:21) Example of collaborative approach to questioning corporate management     This material is intended for investment professional use only and not intended for retail investors.   The views expressed are those of the speaker and are subject to change at any time. These views are for informational purposes only and should not be relied upon as a recommendation to purchase any security, or as an offer of securities or investment advice. No forecast can be guaranteed. Past performance is no guarantee of future results. Please keep in mind that a sustainable investing approach does not guarantee positive results and all investments, including those that integrate ESG considerations into the investment process, carry a certain amount of risk including the possible loss of the principal amount invested. Distributed by:  U.S. – MFS Institutional Advisors, Inc., MFS Investment Management and MFS Fund Distributors, Inc.; Latin America – MFS International Ltd.; Canada – MFS Investment Management Canada Limited. Note to UK and Switzerland readers: Issued in the UK and Switzerland by MFS International Limited, a private limited company registered in England and Wales with the company number 03062718, and authorised and regulated in the conduct of investment business by the UK Financial Conduct Authority. MIL UK, an indirect subsidiary of MFS®, has its registered office at One Carter Lane, London, EC4V 5ER.  Note to Europe readers: Issued in Europe by MFS Investment Management S.à r.l. – authorized under Luxembourg law as a management company for Funds domiciled in Luxembourg and which both provide products and investment services to institutional investors and is registered office is at S.a r.l. 4 Rue Albert Borschette, Luxembourg L-1246. Tel: 352 2826 12800.  This material shall not be circulated or distributed to any person other than to professional investors and should not be relied upon or distributed to persons where such reliance or distribution would be contrary to local regulation; Singapore – MFS International Singapore Pte. Ltd.; Australia/New Zealand - MFS International Australia Pty Ltd holds an Australian financial services licence number 485343. MFS Australia is regulated by the Australian Securities and Investments Commission.; Hong Kong - MFS International Limited, a private limited company licensed and regulated by the Hong Kong Securities and Futures Commission. MIL HK is approved to engage in dealing in securities and asset management regulated activities and may provide certain investment services to "professional investors" as defined in the Securities and Futures Ordinance.; For Professional Investors in China – MFS Financial Management Consulting Co., Ltd. 2801-12, 28th Floor, 100 Century Avenue, Shanghai World Financial Center, Shanghai Pilot Free Trade Zone, 200120, China, a Chinese limited liability company registered to provide financial management consulting services.; Japan - MFS Investment Management K.K., is registered as a Financial Instruments Business Operator, Kanto Local Finance Bureau No.312, a member of the Investment Trust Association, Japan and the Japan Investment Advisers Association. As fees to be borne by investors vary depending upon circumstances such as products, services, investment period and market conditions, the total amount nor the calculation methods cannot be disclosed in advance. All investments involve risks, including market fluctuation and investors may lose the principal amount invested. Investors should obtain and read the prospectus and/or document set forth in Article 37-3 of Financial Instruments and Exchange Act carefully before making the investments. South Africa - This document, and the information contained is not intended and does not constitute, a public offer of securities in South Africa and accordingly should not be construed as such. This document is not for general circulation to the public in South Africa. This document has not been approved by the Financial Sector Conduct Authority and neither MFS International (U.K.) Limited nor its funds are registered for public sale in South Africa.   Unless otherwise indicated, logos, product and services names are trademarks of MFS and its affiliates and may be registered in certain countries. MFS may incorporate environmental, social, or governance (ESG) factors into its investment decision making, fundamental investment analysis and engagement activities when communicating with issuers. The degree to which MFS incorporates ESG factors into its investment decision making, investment analysis and/or engagement activities will vary by strategy, product, and asset class, and may also vary over time, and will generally be determined based on MFS' opinion of the relevance and materiality of the specific ESG factors (which may differ from judgements or opinions of third parties, including investors). Any ESG assessments or incorporation of ESG factors by MFS may be reliant on data received from third-parties (including investee companies and ESG data vendors), which may be inaccurate, incomplete, inconsistent, out-of-date or estimated, or only consider certain ESG aspects (rather than looking at the entire sustainability profile and actions of an investment or its value chain), and as such, may adversely impact MFS' analysis of the ESG factors relevant to an investment.

Could your tax filing status save you thousands on student loan payments? You're about to find out. We're discussing how choosing to file jointly or separately can impact your student loan repayment strategy. You'll hear about real-world scenarios, from high-income couples evaluating their tax implications to the strategic benefits of filing separately in community property states. Plus, we'll explore how recent legislative scrutiny on loan repayment plans could affect your financial planning.    From navigating recertification dates to leveraging tax extensions, you'll gain practical insights that could reshape the way you manage your taxes and student loans.   Key moments:   05:18 Should a dual-dentist household file taxes separately? A real case study 18:00 Myths vs. reality of tax filing extensions  22:13 How filing taxes separately changes everything in a community property state  26:42 A physician-teacher couple cashes in on the breadwinner loophole 35:31 Reclaim your money by amending your MFS tax return   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning   Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

The Case for International Investing with Nick Paul, MFS – Nicholas J. Paul, CFA who serves as the Equity Portfolio Manager for MFS joins Chris Boyd and Jeff Perry for an in-depth discussion about using mutual funds for international investing. Related topics covered include the potential impacts from the recent election, the growing national debt, tariffs, deglobalization, emerging markets, and currency risk. During the episode Chris and Nick also discuss the benefits of active management for international investing.

For this episode, Emma is joined by two of the team from Munich Fabric Start: Claudia Mynott, Marketing and Communications Director, and Simon Angel, Sustainable Innovations Curator.Together they talk about: What the driving principles of the MFS show are today and what is important for live events to offer in the current climate. Whether the role of technology has changed over the years with the development of digital product creation, AI, and also the tightening regulations around sustainability. How the sourcing landscape might shift in the near future.Find out more about the team's next event in Munich on the 21st and 22nd of January 2025 at: https://www.munichfabricstart.com/en/

Ep 244 Miletich Fighting Systems  Championship Years - Jeremy Horn Pat Miletich, Matt Hughes, Jens Pulver and Tim Sylvia captured the UFC championship belts while all working out at the Miletich Fighting System in Davenport Iowa. Jeremy Horn was the architect and master planner behind the work that went into this incredible moment in mixed martial arts. Jeremy Horn and the MMA set Mike Davis discuss this historic championship run while also examining the science that went into each fight. Ep 244 Miletich Fighting Systems  Championship Years - Jeremy Horn 0:00 Lytes out intro0:19 guest introduction0:57 interview start 0:59 making the switch to Miletich fighting systems 2:14 reason for the move to MFS 4:33 deciding to make fighting a career 7:49 Matt Hughes and Pat Miletich friendship 9:34 realizing Miletich fighting systems was special 11:33 cornering Pat Miletich at UFC 16 14:53 Jeremy Horn vs Frank Shamrock 22:53 giving Vitor Belfort a pep talk. 23:11 payment issues with the IFC24:34 training in Montreal25:42 cornering Mark Coleman 29:59 Amaury Bitetti training Pat Miletech32:49 Jens Pulver early days at MFS35:57 Robbie Lawler at MFS38:05 Carlos Newton vs Pat Miletich 40:00 Matt Hughes vs Dennis Hallman 41:45 handling a loss 42:42 Jens Pulver winning lightweight title 43:28 Manager Monte Cox 47:42 Jens Pulver vs BJ Penn 48:31 Carlos Newton vs Matt Hughes 49:26 Matt Hughes vs Hayato Sakurai 50:50 UFC not wanting Pat Miletich 51:59 Robbie Lawler vs Aaron Riley 52:25 Matt Hughes vs Carlos Newton “rematch” 53:19 Matchmaker Joe Silva 54:12 Tim Sylvia vs Ricco Rodriguez 55:18 Matt Hughes vs Sean Sherk56:34 first thoughts on Tim Sylvia 59:27 Matt Hughes vs BJ Penn 1:01:27 Frank Mir vs Tim Sylvia “arm break” 1:03:32 Tim Sylvia cut from the UFC 1:04:11 Andre Arlovski 1:05:04 MFS winning multiple titles 1:06:01 Tim Sylvia vs Fedor Emelianenko 1:07:22 experience with Don Frye 1:08:47 Rulon Gardner 1:09:43 BJ Penn callout rumor 1:09:56 choking out Promoter Chad Mason 1:10:37 thoughts on Miletich fighting systems era 1:15:09 reason for never reffing fights 1:15:48 realizing it was time to leave Iowa 1:18:39 50 fight club members 1:21:08 fighters not being able to move on after career 1:22:17 interview wrap up 1:22:41 outro/ final thoughts Subscribe to the Lytes Out Podcast:https://www.youtube.com/@LytesOutClipsSocials: Facebook -https://www.facebook.com/groups/1027449255187255/?mibextid=oMANbwInstagram - https://www.instagram.com/lytesoutpodcast/iTunes - https://podcasts.apple.com/us/podcast/lytes-out-podcast/id1568575809 Spotify - https://open.spotify.com/show/3q8KsfqrSQSjkdPLkdtNWb Mike - The MMA Detective - @mikedavis632 Cash App - $mikedavis1231Venmo - Mike-Davis-63ZELLE: Cutthroatmma@gmail.com / ph#: 773-491-5052 Follow the #LOP team on Instagram: Chris - Founder/Owner - @chrislightsoutlytle Mike - MMA Detective - @mikedavis632 Joey - Assistant - @aj_ventitreTyson - Producer - @ty.green.weldingAndrew - Timestamps - @ambidexstressAndy - Social Media Manager - @martial_mindset_Outro song: Power - https://tunetank.com/t/2gji/1458-power#miletichfightingsystems #jenspulver#timsylvia#patmiletich#matthughes#MMA #UFC #NHB #LytesOutPodcast #LytesOut #MixedMartialArts #ChrisLytle #MMADetective #MikeDavis #MMAHistory #OldSchoolMMA #FiftyFightClub #MMAPodcast #FighSupport the show

In this episode of the 401(k) Specialist Podcast, we'll travel down the road to better participant outcomes with MFS Investment Management's Jeri Savage, who will direct us through the key insights from the newly released 2024 MFS Global Retirement Survey. Podcast Episode Player Savage, Lead Retirement Strategist at Boston-based MFS, elaborates on some of the most impactful findings and explores how advisors and plan sponsors can help participants prioritize savings, improve retirement readiness, and navigate the complexities of target date funds.Key Insights:Target Date Fund Misunderstandings: Addressing misconceptions, especially the belief that target date funds guarantee income, will drive better participant outcomes.Retirement Concerns: The 2024 MFS Global Retirement Survey shows that three-quarters of participants feel they need to save more to achieve better participant outcomes in retirement.Competing Financial Priorities: Younger generations face significant financial challenges, like student loans, making it harder

Rick Coscia, strategic asset manager for the City of Quincy, Massachusetts, dives into the innovative financial strategies employed by the city, including the groundbreaking use of blockchain in municipal bonds. He highlights the challenges of managing pension obligations and the potential for blockchain technology to transform municipal finance. The discussion covers credit ratings, democratizing bond access for local investors, and Rick's transition from private to public service. Emphasizing the importance of consistent returns, the conversation also explores investment management, cash flow strategies, and the broader impact of these financial innovations on community legacy building.Sponsors and FriendsOur podcast is sponsored by Sue Maki at Fairway Independent Mortgage (MLS# 206048). Licensed in 38 states, if you need anything mortgage-related, reach out to her at SMaki@fairwaymc.com or give her a call at (520) 977-7904. Tell her 2 Bulls sent you to get the best rates available!For anyone trading futures, check out Vantatrading.com. Founded by Mr. W Banks and Baba Yaga, they provide a ton of educational content with the focus of teaching aspiring traders how to build a repeatable, profitable process. You can find our exclusive affiliate link/discount code for Vanta ‘s subscription in our free discord server as well!If you are interested in signing up with TRADEPRO Academy, you can use our affiliate link here. We receive compensation for any purchases made when using this link, so it's a great way to support the show and learn at the same time! **Join our Discord for a link and code to save 10%**Visit Airsoftmaster.com to support one of our own!To contact us, you can email us directly at bandoftraderspodcast@gmail.com Be sure to follow us on Facebook, Twitter, or Discord to get updated when new content is posted! Check out our directory for other amazing interviews we've done in the past!If you like our show, please let us know by rating and subscribing on your platform of choice!If you like our show and hate social media, then please tell all your friends!If you have no friends and hate social media and you just want to give us money for advertising to help you find more friends, then you can donate to support the show here!Rick Coscia:Rick Coscia is a Strategic Asset Manager at City of Quincy Massachusetts based in Quincy, Massachusetts. Previously, Rick was a Private Client Banker at JPMorgan Chase and also held positions at Eaton Vance, Sun Life, Fidelity, MFS, New England Funds, LP, Distributor.LinkedInBond Buyer Article on Blockchain Bond SaleThe Bond Buyer PodcastQuincy Municiple FinanceAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Can systems thinking help address the investment world's growing complexity? What capabilities do leaders need to create transformative change? In this episode of the All Angles podcast, Roger Urwin, Global Head of Investment Content at Willis Towers Watson, explores how a systems-based perspective could unlock new opportunities for the investment industry to adapt and thrive in the face of pressing global issues.   CHAPTERS (0:12) Roger's professional background and purpose (6:33) 3D investing, universal ownership and culture (11:38) Introduction to systems thinking (15:52) Applying systems thinking to the investment world (20:26) Leadership capabilities to embed systems theory into practice (25:40) Systemic stewardship as co-operation alongside competition (28:17) Lessons learned from integrating systems leadership (34:31) Collaborating to build better beta for the entire system   This material is intended for investment professional use only and not intended for retail investors. The views expressed are those of the speaker and are subject to change at any time. These views are for informational purposes only and should not be relied upon as a recommendation to purchase any security, or as an offer of securities or investment advice. No forecast can be guaranteed. Past performance is no guarantee of future results. Please keep in mind that a sustainable investing approach does not guarantee positive results and all investments, including those that integrate ESG considerations into the investment process, carry a certain amount of risk including the possible loss of the principal amount invested. Distributed by:  U.S. – MFS Institutional Advisors, Inc., MFS Investment Management and MFS Fund Distributors, Inc.; Latin America – MFS International Ltd.; Canada – MFS Investment Management Canada Limited. Note to UK and Switzerland readers: Issued in the UK and Switzerland by MFS International Limited, a private limited company registered in England and Wales with the company number 03062718, and authorised and regulated in the conduct of investment business by the UK Financial Conduct Authority. MIL UK, an indirect subsidiary of MFS®, has its registered office at One Carter Lane, London, EC4V 5ER.  Note to Europe readers: Issued in Europe by MFS Investment Management S.à r.l. – authorized under Luxembourg law as a management company for Funds domiciled in Luxembourg and which both provide products and investment services to institutional investors and is registered office is at S.a r.l. 4 Rue Albert Borschette, Luxembourg L-1246. Tel: 352 2826 12800.  This material shall not be circulated or distributed to any person other than to professional investors and should not be relied upon or distributed to persons where such reliance or distribution would be contrary to local regulation; Singapore – MFS International Singapore Pte. Ltd.; Australia/New Zealand - MFS International Australia Pty Ltd holds an Australian financial services licence number 485343. MFS Australia is regulated by the Australian Securities and Investments Commission.; Hong Kong - MFS International Limited, a private limited company licensed and regulated by the Hong Kong Securities and Futures Commission. MIL HK is approved to engage in dealing in securities and asset management regulated activities and may provide certain investment services to "professional investors" as defined in the Securities and Futures Ordinance.; For Professional Investors in China – MFS Financial Management Consulting Co., Ltd. 2801-12, 28th Floor, 100 Century Avenue, Shanghai World Financial Center, Shanghai Pilot Free Trade Zone, 200120, China, a Chinese limited liability company registered to provide financial management consulting services.; Japan - MFS Investment Management K.K., is registered as a Financial Instruments Business Operator, Kanto Local Finance Bureau No.312, a member of the Investment Trust Association, Japan and the Japan Investment Advisers Association. As fees to be borne by investors vary depending upon circumstances such as products, services, investment period and market conditions, the total amount nor the calculation methods cannot be disclosed in advance. All investments involve risks, including market fluctuation and investors may lose the principal amount invested. Investors should obtain and read the prospectus and/or document set forth in Article 37-3 of Financial Instruments and Exchange Act carefully before making the investments. South Africa - This document, and the information contained is not intended and does not constitute, a public offer of securities in South Africa and accordingly should not be construed as such. This document is not for general circulation to the public in South Africa. This document has not been approved by the Financial Sector Conduct Authority and neither MFS International (U.K.) Limited nor its funds are registered for public sale in South Africa. Unless otherwise indicated, logos, product and services names are trademarks of MFS and its affiliates and may be registered in certain countries.   MFS may incorporate environmental, social, or governance (ESG) factors into its investment decision making, fundamental investment analysis and engagement activities when communicating with issuers. The degree to which MFS incorporates ESG factors into its investment decision making, investment analysis and/or engagement activities will vary by strategy, product, and asset class, and may also vary over time, and will generally be determined based on MFS' opinion of the relevance and materiality of the specific ESG factors (which may differ from judgements or opinions of third parties, including investors). Any ESG assessments or incorporation of ESG factors by MFS may be reliant on data received from third-parties (including investee companies and ESG data vendors), which may be inaccurate, incomplete, inconsistent, out-of-date or estimated, or only consider certain ESG aspects (rather than looking at the entire sustainability profile and actions of an investment or its value chain), and as such, may adversely impact MFS' analysis of the ESG factors relevant to an investment.

In this episode of Breaking Banks Europe, Matteo Rizzi interviews Chiara Padua, Deputy CEO of the Fintech District and Head of the Milan Fintech Summit (MFS). They discuss the upcoming 2024 Milan Fintech Summit, its theme, “Smells Like Fintech Spirit,” inspired by music, reflecting the evolving, dynamic nature of fintech. Chiara highlights how MFS has grown since its inception in 2020, including new tracks and regional events, emphasizing the importance of in-person gatherings for networking and collaboration. She outlines key themes for 2024, such as embedded finance, sustainability, diversity, and AI, all covered in sessions titled after iconic songs. They also preview notable speakers and collaborations, underscoring the event's community-driven ethos and positioning MFS as a hub for fintech innovation in Southern Europe. The episode provides a sneak peek into what attendees can expect, including the chance to engage with leading industry figures. ‌ Get your pass and be part of it!https://www.milanfintechsummit.com/#BuyTickets#MilanFintechSummit #MFS #MFS24 ‌ Connect with Chiara: https://www.linkedin.com/in/chiara-padua/

Basch & The Brain Recap the First Few Days of Wrestling at the Olympics: Lopez Wins Gold Number 5 Vinesh Stuns 5x World & Olympic Champ Yiu Susaki, then gets DQ'd after not making weight Sarah Hildebrandt Is Into The Finals! Amit Elor is Simply Incredible Previewing Tomorrow's MFS 57kg & 86kg, and WFS 57kg brackets Greco Goes 0-for-5 Micic is Out, Was Weight an Issue? Feel free to tweet us and send us messages with questions and general thoughts! Be sure to SUBSCRIBE to the podcast and go through the archives to hear more great stories. Support the show & leave a 5-star rating and review on Apple Podcasts, and shop some apparel on BASCHAMANIA.com! For all partnership and sponsorship inquiries, email info@baschamania.com.

Well, it's been a hot minute (months), but we are back and in peak condition (we are rusty).  Nothing has changed (everything is different), and we love administrators (we do not, in fact, love administration. Actually, and extra big FU Tony because, well, fuck you tony).  We discuss the olympics, Mormons, bad substitutes, secondary instruments, and we do a bunch of drinking.Also, we've been lying about something for months. Listen to find out!Cheep cheep, MFs!

Ratings agencies measure ESG metrics in the same way, right? If not, why might they differ and what does it mean for investors? In this episode of the All Angles podcast, MIT Sloan Professor Roberto Rigobon digs into the sources of discrepancies in ESG ratings and explains how investors can learn to live with imperfect measurements. He also explores what it takes to be a truly long-term investor with fiduciary responsibility.    CHAPTERS 0:14 Roberto's path from macroeconomics to measuring ESG 5:43 Unpacking the methodology of ESG rating agencies 12:22 Understanding the sources of discrepancies in ESG measurements 15:21 Why imperfect measurement can lead to over-reaction 22:14 Using constructive stewardship to build trust with companies 24:50 What it takes to think and invest long term   This material is intended for investment professional use only and not intended for retail investors.   The views expressed are those of the speaker and are subject to change at any time. These views are for informational purposes only and should not be relied upon as a recommendation to purchase any security, or as an offer of securities or investment advice. No forecast can be guaranteed. Past performance is no guarantee of future results.   Please keep in mind that a sustainable investing approach does not guarantee positive results and all investments, including those that integrate ESG considerations into the investment process, carry a certain amount of risk including the possible loss of the principal amount invested.   Distributed by:  U.S. – MFS Institutional Advisors, Inc., MFS Investment Management and MFS Fund Distributors, Inc.; Latin America – MFS International Ltd.; Canada – MFS Investment Management Canada Limited. Note to UK and Switzerland readers: Issued in the UK and Switzerland by MFS International Limited, a private limited company registered in England and Wales with the company number 03062718, and authorised and regulated in the conduct of investment business by the UK Financial Conduct Authority. MIL UK, an indirect subsidiary of MFS®, has its registered office at One Carter Lane, London, EC4V 5ER.  Note to Europe readers: Issued in Europe by MFS Investment Management S.à r.l. – authorized under Luxembourg law as a management company for Funds domiciled in Luxembourg and which both provide products and investment services to institutional investors and is registered office is at S.a r.l. 4 Rue Albert Borschette, Luxembourg L-1246. Tel: 352 2826 12800.  This material shall not be circulated or distributed to any person other than to professional investors and should not be relied upon or distributed to persons where such reliance or distribution would be contrary to local regulation; Singapore – MFS International Singapore Pte. Ltd.; Australia/New Zealand - MFS International Australia Pty Ltd holds an Australian financial services licence number 485343. MFS Australia is regulated by the Australian Securities and Investments Commission.; Hong Kong - MFS International Limited, a private limited company licensed and regulated by the Hong Kong Securities and Futures Commission. MIL HK is approved to engage in dealing in securities and asset management regulated activities and may provide certain investment services to "professional investors" as defined in the Securities and Futures Ordinance.; For Professional Investors in China – MFS Financial Management Consulting Co., Ltd. 2801-12, 28th Floor, 100 Century Avenue, Shanghai World Financial Center, Shanghai Pilot Free Trade Zone, 200120, China, a Chinese limited liability company registered to provide financial management consulting services.; Japan - MFS Investment Management K.K., is registered as a Financial Instruments Business Operator, Kanto Local Finance Bureau No.312, a member of the Investment Trust Association, Japan and the Japan Investment Advisers Association. As fees to be borne by investors vary depending upon circumstances such as products, services, investment period and market conditions, the total amount nor the calculation methods cannot be disclosed in advance. All investments involve risks, including market fluctuation and investors may lose the principal amount invested. Investors should obtain and read the prospectus and/or document set forth in Article 37-3 of Financial Instruments and Exchange Act carefully before making the investments.   Unless otherwise indicated, logos, product and services names are trademarks of MFS and its affiliates and may be registered in certain countries. MFS may incorporate environmental, social, or governance (ESG) factors into its investment decision making, fundamental investment analysis and engagement activities when communicating with issuers. The degree to which MFS incorporates ESG factors into its investment decision making, investment analysis and/or engagement activities will vary by strategy, product, and asset class, and may also vary over time, and will generally be determined based on MFS' opinion of the relevance and materiality of the specific ESG factors (which may differ from judgements or opinions of third parties, including investors). Any ESG assessments or incorporation of ESG factors by MFS may be reliant on data received from third-parties (including investee companies and ESG data vendors), which may be inaccurate, incomplete, inconsistent, out-of-date or estimated, or only consider certain ESG aspects (rather than looking at the entire sustainability profile and actions of an investment or its value chain), and as such, may adversely impact MFS' analysis of the ESG factors relevant to an investment.

Where are we on the road to net zero? And how can investors help companies along the transition? In this episode of the All Angles podcast, Franziska Jahn-Madell, Director of Global Stewardship at MFS, explains recent developments in the transition to net zero and describes how investors can constructively engage with companies. Fran also shares her thoughts on stewardship megatrends and questions the industry should be asking companies but aren't (yet).   (1:10) State of play for the transition to net zero (4:05) Recent evolution of stewardship megatrends (6:10) Lessons from MFS' net zero progress report (11:06) Key ideas on constructivism from partnering with academics (16:01) Topics on the minds of clients and stakeholders (18:23) Right-sizing resources for effective stewardship (25:14) Questions the industry should be asking companies but aren't (28:55) Fran's inspirational book recommendation   This material is intended for investment professional use only and not intended for retail investors.   The views expressed are those of the speaker and are subject to change at any time. These views are for informational purposes only and should not be relied upon as a recommendation to purchase any security, or as an offer of securities or investment advice. No forecast can be guaranteed. Past performance is no guarantee of future results.   Please keep in mind that a sustainable investing approach does not guarantee positive results and all investments, including those that integrate ESG considerations into the investment process, carry a certain amount of risk including the possible loss of the principal amount invested.   Distributed by:  U.S. – MFS Institutional Advisors, Inc., MFS Investment Management and MFS Fund Distributors, Inc.; Latin America – MFS International Ltd.; Canada – MFS Investment Management Canada Limited. Note to UK and Switzerland readers: Issued in the UK and Switzerland by MFS International Limited, a private limited company registered in England and Wales with the company number 03062718, and authorised and regulated in the conduct of investment business by the UK Financial Conduct Authority. MIL UK, an indirect subsidiary of MFS®, has its registered office at One Carter Lane, London, EC4V 5ER.  Note to Europe readers: Issued in Europe by MFS Investment Management S.à r.l. – authorized under Luxembourg law as a management company for Funds domiciled in Luxembourg and which both provide products and investment services to institutional investors and is registered office is at S.a r.l. 4 Rue Albert Borschette, Luxembourg L-1246. Tel: 352 2826 12800.  This material shall not be circulated or distributed to any person other than to professional investors and should not be relied upon or distributed to persons where such reliance or distribution would be contrary to local regulation; Singapore – MFS International Singapore Pte. Ltd.; Australia/New Zealand - MFS International Australia Pty Ltd holds an Australian financial services licence number 485343. MFS Australia is regulated by the Australian Securities and Investments Commission.; Hong Kong - MFS International Limited, a private limited company licensed and regulated by the Hong Kong Securities and Futures Commission. MIL HK is approved to engage in dealing in securities and asset management regulated activities and may provide certain investment services to "professional investors" as defined in the Securities and Futures Ordinance.; For Professional Investors in China – MFS Financial Management Consulting Co., Ltd. 2801-12, 28th Floor, 100 Century Avenue, Shanghai World Financial Center, Shanghai Pilot Free Trade Zone, 200120, China, a Chinese limited liability company registered to provide financial management consulting services.; Japan - MFS Investment Management K.K., is registered as a Financial Instruments Business Operator, Kanto Local Finance Bureau No.312, a member of the Investment Trust Association, Japan and the Japan Investment Advisers Association. As fees to be borne by investors vary depending upon circumstances such as products, services, investment period and market conditions, the total amount nor the calculation methods cannot be disclosed in advance. All investments involve risks, including market fluctuation and investors may lose the principal amount invested. Investors should obtain and read the prospectus and/or document set forth in Article 37-3 of Financial Instruments and Exchange Act carefully before making the investments.   Unless otherwise indicated, logos, product and services names are trademarks of MFS and its affiliates and may be registered in certain countries.

Adam Cox is joined by Mike Cook from Market Financial Solutions (MFS). Mike tells Adam all about the current state of the UK rental market, new investment in housing and all the challenges surrounding it.  www.mfsuk.com 

Rob Almeida and Genevieve Gilroy, consumer staples sector leader, explore the shifting dynamics in the consumer staples sector in this podcast episode. They also discuss the importance of a collaborative, global research platform with differentiating opportunities across categories and companies.   Chapters: 00:00 - 01:59 Setting the Stage 01:59 - 05:26 Role of a Sector Leader 05:26 - 06:40 Traditional Draws to Consumer Staples 06:40 - 10:14 Agents of Change and Lower Barriers to Entry 10:14 - 11:47 Innovation and the Landscape of Work 11:47 - 14:58 GLP-1s as a Driver of Risk and Opportunity 14:58 - 16:35 Compelling Categories 16:35 - 18:57 Understanding the Rising Price Environment 18:57 - END Consumer Staples in Summary   This material is intended for investment professional use only and not intended for retail investors.   The views expressed are those of the speaker and are subject to change at any time. These views are for informational purposes only and should not be relied upon as a recommendation to purchase any security, or as an offer of securities or investment advice. No forecast can be guaranteed. Past performance is no guarantee of future results.   Please keep in mind that a sustainable investing approach does not guarantee positive results and all investments, including those that integrate ESG considerations into the investment process, carry a certain amount of risk including the possible loss of the principal amount invested.   Distributed by:  U.S. – MFS Institutional Advisors, Inc., MFS Investment Management and MFS Fund Distributors, Inc.; Latin America – MFS International Ltd.; Canada – MFS Investment Management Canada Limited. Note to UK and Switzerland readers: Issued in the UK and Switzerland by MFS International Limited, a private limited company registered in England and Wales with the company number 03062718, and authorised and regulated in the conduct of investment business by the UK Financial Conduct Authority. MIL UK, an indirect subsidiary of MFS®, has its registered office at One Carter Lane, London, EC4V 5ER.  Note to Europe readers: Issued in Europe by MFS Investment Management S.à r.l. – authorized under Luxembourg law as a management company for Funds domiciled in Luxembourg and which both provide products and investment services to institutional investors and is registered office is at S.a r.l. 4 Rue Albert Borschette, Luxembourg L-1246. Tel: 352 2826 12800.  This material shall not be circulated or distributed to any person other than to professional investors and should not be relied upon or distributed to persons where such reliance or distribution would be contrary to local regulation; Singapore – MFS International Singapore Pte. Ltd.; Australia/New Zealand - MFS International Australia Pty Ltd holds an Australian financial services licence number 485343. MFS Australia is regulated by the Australian Securities and Investments Commission.; Hong Kong - MFS International Limited, a private limited company licensed and regulated by the Hong Kong Securities and Futures Commission. MIL HK is approved to engage in dealing in securities and asset management regulated activities and may provide certain investment services to "professional investors" as defined in the Securities and Futures Ordinance.; For Professional Investors in China – MFS Financial Management Consulting Co., Ltd. 2801-12, 28th Floor, 100 Century Avenue, Shanghai World Financial Center, Shanghai Pilot Free Trade Zone, 200120, China, a Chinese limited liability company registered to provide financial management consulting services.; Japan - MFS Investment Management K.K., is registered as a Financial Instruments Business Operator, Kanto Local Finance Bureau No.312, a member of the Investment Trust Association, Japan and the Japan Investment Advisers Association. As fees to be borne by investors vary depending upon circumstances such as products, services, investment period and market conditions, the total amount nor the calculation methods cannot be disclosed in advance. All investments involve risks, including market fluctuation and investors may lose the principal amount invested. Investors should obtain and read the prospectus and/or document set forth in Article 37-3 of Financial Instruments and Exchange Act carefully before making the investments.   Unless otherwise indicated, logos, product and services names are trademarks of MFS and its affiliates and may be registered in certain countries.

What exactly is ‘listed Infrastructure'? And how can investors access this increasingly crucial asset class? In this episode of the All Angles podcast, seasoned portfolio manager Florence Taj provides fresh perspectives on why infrastructure should be on every investor's radar, and shares her unique insights on which long-term opportunities she invests in. Florence also delves into the difference between exposure via public versus private markets. Listen now to explore the transformative power of listed infrastructure investments.   (01:25) Florence's background from strategic consultant to investment officer (05:42) Lessons from 25 years of investing (11:11) Listed infrastructure investment opportunities and outlook (18:15) Why investing in infrastructure is not boring (24:59) Long-term nature of new trends and emerging paradigms (28:41) Accessing infrastructure via public versus private markets (38:22) Why governance matters when selecting assets to invest in   This material is intended for investment professional use only and not intended for retail investors.   The views expressed are those of the speaker and are subject to change at any time. These views are for informational purposes only and should not be relied upon as a recommendation to purchase any security, or as an offer of securities or investment advice. No forecast can be guaranteed. Past performance is no guarantee of future results.   Please keep in mind that a sustainable investing approach does not guarantee positive results and all investments, including those that integrate ESG considerations into the investment process, carry a certain amount of risk including the possible loss of the principal amount invested.   Distributed by:  U.S. – MFS Institutional Advisors, Inc., MFS Investment Management and MFS Fund Distributors, Inc.; Latin America – MFS International Ltd.; Canada – MFS Investment Management Canada Limited. Note to UK and Switzerland readers: Issued in the UK and Switzerland by MFS International Limited, a private limited company registered in England and Wales with the company number 03062718, and authorised and regulated in the conduct of investment business by the UK Financial Conduct Authority. MIL UK, an indirect subsidiary of MFS®, has its registered office at One Carter Lane, London, EC4V 5ER.  Note to Europe readers: Issued in Europe by MFS Investment Management S.à r.l. – authorized under Luxembourg law as a management company for Funds domiciled in Luxembourg and which both provide products and investment services to institutional investors and is registered office is at S.a r.l. 4 Rue Albert Borschette, Luxembourg L-1246. Tel: 352 2826 12800.  This material shall not be circulated or distributed to any person other than to professional investors and should not be relied upon or distributed to persons where such reliance or distribution would be contrary to local regulation; Singapore – MFS International Singapore Pte. Ltd.; Australia/New Zealand - MFS International Australia Pty Ltd holds an Australian financial services licence number 485343. MFS Australia is regulated by the Australian Securities and Investments Commission.; Hong Kong - MFS International Limited, a private limited company licensed and regulated by the Hong Kong Securities and Futures Commission. MIL HK is approved to engage in dealing in securities and asset management regulated activities and may provide certain investment services to "professional investors" as defined in the Securities and Futures Ordinance.; For Professional Investors in China – MFS Financial Management Consulting Co., Ltd. 2801-12, 28th Floor, 100 Century Avenue, Shanghai World Financial Center, Shanghai Pilot Free Trade Zone, 200120, China, a Chinese limited liability company registered to provide financial management consulting services.; Japan - MFS Investment Management K.K., is registered as a Financial Instruments Business Operator, Kanto Local Finance Bureau No.312, a member of the Investment Trust Association, Japan and the Japan Investment Advisers Association. As fees to be borne by investors vary depending upon circumstances such as products, services, investment period and market conditions, the total amount nor the calculation methods cannot be disclosed in advance. All investments involve risks, including market fluctuation and investors may lose the principal amount invested. Investors should obtain and read the prospectus and/or document set forth in Article 37-3 of Financial Instruments and Exchange Act carefully before making the investments.   Unless otherwise indicated, logos, product and services names are trademarks of MFS and its affiliates and may be registered in certain countries.

Quincy, Massachusetts has issued a blockchain-based municipal bond, the first of its kind in the United States with the goal of democratizing Quincy's investment opportunities and ultimately allowing individuals to invest in their own community. Eric Mason (Quincy CFO) and Rick Coscia (Quincy Strategic Asset Manager) join Kyle to explain why they decided to push forward with this deal, and what they hope to accomplish by embracing Digital Ledger Technology. They also explain the safety and efficiency of listing a bond via blockchain, the advantages of being an early adopter, and the potential for creating a secondary market for trading blockchain-based bonds. To address concerns about cybersecurity and the risks associated with the new technology, Eric and Rick describe the long vetting process and how the city's financial health was always their top priority. The conversation explores the potential impact of blockchain technology on municipal bond sales and the role of government in embracing new technologies as they explain the benefits of using blockchain for bond sales, such as increased efficiency, cost savings, and improved transparency. They also highlight the importance of regulatory compliance and the need for government to lead the way in adopting innovative solutions. The conversation concludes with a discussion on the post-bond sale analysis and the potential for future adoption of blockchain technology in the municipal bond market.If you have any questions about this sale for Eric or Rick to answer, please send them to bandoftraderspodcast@gmail.com, or DM us on twitter or Discord!Sponsors and FriendsOur podcast is sponsored by Sue Maki at Fairway Independent Mortgage (MLS# 206048). Licensed in 38 states, if you need anything mortgage-related, reach out to her at SPullen@fairwaymc.com or give her a call at (520) 977-7904. Tell her 2 Bulls sent you to get the best rates available!For anyone trading futures, check out Vantatrading.com. Founded by Mr. W Banks and Baba Yaga, they provide a ton of educational content with the focus of teaching aspiring traders how to build a repeatable, profitable process. You can find our exclusive affiliate link/discount code for Vanta ‘s subscription in our free discord server as well!If you are interested in signing up with TRADEPRO Academy, you can use our affiliate link here. We receive compensation for any purchases made when using this link, so it's a great way to support the show and learn at the same time! **Join our Discord for a link and code to save 10%**To contact us, you can email us directly at suggestions@financialineptitude.com Be sure to follow us on Facebook, Twitter, or Discord to get updated when new content is posted! Check out our directory for other amazing interviews we've done in the past!If you like our show, please let us know by rating and subscribing on your platform of choice!If you like our show and hate social media, then please tell all your friends!If you have no friends and hate social media and you just want to give us money for advertising to help you find more friends, then you can donate to support the show here!About Eric:Eric is a practicing labor economist, who currently works as a chief financial officer for the city of Quincy, Ma. His area of research focuses primarily on small business and macroeconomics trends. Eric has a special interest in historical economics, cliometrics and steers clear of ideological hardlines, preferring to use empirical analysis in his appearances.theinformaleconomist.com - Eric Mason's WebsiteFollow Eric on LinkedInFollow Eric on TwitterPrevious Episodes with Eric MasonAbout Rick:Rick Coscia is a Strategic Asset Manager at City of Quincy Massachusetts based in Quincy, Massachusetts. Previously, Rick was a Private Client Banker at JPMorgan Chase and also held positions at Eaton Vance, Sun Life, Fidelity, MFS, New England Funds, LP, Distributor.Follow Rick on LinkedInWatch for Rick's upcoming appearance on the Bond Buyer PodcastAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

My guest today worked for Club Med from 1999 to 2003. Her first season was at Club Med Copper Mountain as a Boutique G.O. Before Club Med, she attended Arizona State University and obtained a degree in Recreation Management and Tourism. She was part of the ASU Internship Program, and that program helped her land an internship at Copper Mountain. She later became a Snowboard Instructor and worked in Crested Butte three times and one summer season in Cancun in 1999. After Club Med, she obtained a master's degree and has been teaching for the last twenty years and is currently teaching kindergarten. From Northern California but now living in Colorado, please help me welcome, Megan Demgen! During their teenage years, Megan and her sisters were whisked away by their parents to Club Med resorts in Eleuthera, Huatulco, and Turks and Caicos. Megan shares a Y2K story from her 1999/2000 season (sitting in stairwells?) and she met her future husband that same season. She took a road trip from Club Med Copper Mountain to Crested Butte with EXGO (and MFS guest) Sammy Orodenker while listening to TV theme songs from the 80s! Megan has many more stories to share, so please enjoy this episode! **My First Season podcast has always been ad-free and free to listen to and is available to download on: Apple Podcasts, Google Podcasts, Samsung Podcasts, Podbean App, Podchaser, Spotify, Amazon Music/Audible, TuneIn + Alexa, iHeartRadio, PlayerFM, Pandora and Listen Notes. And if you like what you hear, please leave a review on Apple podcasts.   

The FRL crew is live from Pennsylvania to break down all six men's and women's freestyle weights at the Olympic Trials. Send in user submissions and questions to FRLsubmissions@flosports.tv! (0:00) audio issues hampered the introduction of today's show (0:45) fun and easy banter (5:33) Carter Starocci up at 86 kg (9:40) MFS 57 kg (23:32) MFS 65 kg (35:10) MFS 74 kg (53:20) MFS 86 kg (59:00) MFS 97 kg (1:00:02) MFS 125 kg (1:08:25) WFS 50 kg (1:10:35) WFS 53 kg (1:14:12) WFS 62 kg (1:16:00) WFS 57 kg (1:17:10) WFS 68 kg (1:19:17) WFS 76 kg Learn more about your ad choices. Visit megaphone.fm/adchoices

I have cupcake tummy so I'm gonna make this quick. I want you to listen to the show, alright? And I want you to send an email to yourkickstartersucks@gmail.com that says how many times you wipe your butt. And that's it! Don't send anything else in there. Just the butt-wipe thing. I have to throw up a cupcake.On this episode of the show we've got one of those things where the guys are trying to sell you the idea that they're experts in something, but they've failed at doing the thing weirdly! Plus we've got some flags for rich guys, a little robot it would be fun to hate, and some fucking BLAST PIPES! Check it out! Music for YKS is courtesy of Howell Dawdy, Craig Dickman, Mr. Baloney, and Mark Brendle. Additional research by Zeke Golvin. YKS is edited by Producer Dan. YKS Premium is GOATED when wanting to listen to more Mike and JF is the vibe! Y'all crazy MFs are getting 5 episodes of Farrarch this month! And if that ain't enough, there's other stuff too! Check it out today at patreon.com/yourkickstartersucksThis episode of YKS is sponsored by these fine brands:Factor - Meals to eat, meals to eat, yes they really are my treat! With Factor, every meal is a treat. And best of all, they come to your house, where you live, so you can eat them more easily! Thanks, Factor! Use code YKS50 to get 50% off. Aww, cmon, please?! See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.