Generation of people who came of age in the beginning of the third millennium
In this Episode: OUR SECOND ANNUAL HALLOWEEN POWER HOUR! Friend of the pod Jake joins us again as we read "scary" stories from "Scary Stories to Tell in the Dark," an r/NoSleep post about a mother-in-law poisoning people, and a few Two Sentence Horror Stories. Drink applejuice along with us and tell us which part scared you the most! Our Patreon is officially open, if you want to see extra content go check it out! https://www.patreon.com/JudgiesPodSend us mail! (Addressed However You'd Like) P.O. Box 58 Ottawa, IL 61350 Leave a Review! https://podcasts.apple.com/us/podcast/the-judgies/id1519741238 Follow us on Twitter: https://twitter.com/judgiespod Follow us on Instagram: https://instagram.com/judgiespod Intro Music by: Iván https://open.spotify.com/artist/5gB2VvyqfnOlNv37PHKRNJ?si=f6TIYrLITkG2NZXGLm_Y-Q&dl_branch=1
October is Pregnancy & Infant Loss Awareness month, and October 15th was Pregnancy and Infant Loss Remembrance Day. In honor of that, we invited Rev. Dr. Colie Bettivia to come on the podcast to talk about why this topic is so personal and important to her. She shares her own experience and talks about what to say and what not to say when someone you know is going through the trials of pregnancy and loss.Pregnancy loss is defined differently around the world, but in general a baby who dies before 28 weeks of pregnancy is referred to as a miscarriage, and babies who die at or after 28 weeks are stillbirths. I read that, for women that know they are pregnant, miscarriage happens in 10-15% of pregnancies, but that number could actually be closer to half. All that comes to 1 in 4 women experiencing pregnancy and infant loss. Looking at these numbers - it is clearly incredibly common, and yet we don't talk about it. We are so grateful to Rev. Dr. Colie for coming on to break the silence and help us understand just how common it is, how to offer support to others, and, for those who have experienced loss themselves, to know they are not alone....Rev. Dr. Colie Bettivia serves as a co-pastor of Grace Congregational United Church of Christ, in Two Rivers WI, and has been there since 2013. She grew up in Glen Ellyn, a suburb of Chicago. She has a Bachelor of Science in Biology from the University of Illinois and a Master of Divinity from Lancaster Theological Seminary, and in May of 2020, graduated with a Doctor of Ministry degree from Lancaster Theological Seminary. Her doctoral research project was a study on Millennials in church and is titled: "Hello, We're Here! Active Participation in Traditional Church Congregations by Those in the Millennial Generation." She lives in Two Rivers with her husband, Tobin, and their young son, Lincoln. Together, they enjoy running, hiking, and trying new foods.
“People want to be a part of the change. It's important that allies are not only anti-racist, but accomplices.” Tiyale Hayes is BET Network's SVP of Brand Strategy & Marketing where he ensures the Viacom company advances business objectives and authentically connecting with African American audiences. Over his career, Tiyale has worked on some of the world's biggest and best brands fueling his passion for authentic inclusion and empathy into brand building. Tiyale spent eight years at Johnson & Johnson in roles of increasing responsibility from sales to leading global insight development for a number of brands including Tylenol, Motrin, Listerine, and a number of Rx to OTC Switch initiatives. And during his six years at P&G, he led in Consumer Insights and Global Innovation groups on brands like Folgers, Pringles, Crest, Gillette and Old Spice. Tiyale studied at Hampton University and received his MBA from Purdue. He is a frequent speaker at both private and industry conferences, leading thinking on how to create culture transformation and drive value for African Americans, Millennials, and LGBTQ+ populations. Tiyale serves on the board of the National Hampton Alumni Association and the non-profit Live Out Loud based in New York City. You'll enjoy this candid conversation spanning perspectives - with a focus on finding common threads that unite us, and moving ALL of us along the spectrum of ally to accomplice in actionable ways.
This week we discussed some great topics including NBA player making music, Former WNBA Player getting the bag but nothing more important than protecting one another. Are phones better than saving another from tragedy?
EP94: YOUR EXPERIENCE, GIFTS, SKILLS & TALENTS: Ways to Use Them to Build a Business & Make Money Hello Chit Chatters! Welcome back to another episode of Coaching for Millennials! In this episode I am going deep in helping you all see how valuable your experiences, gifts, skills, and talents are! We all have a God given talent that the world is waiting for us to share with the world. RIGHT NOW...we are experiencing a need and urge to uncover how we can live and work more authentically to our purpose and find more joy. Using your experience, gifts, skills and talents are pivotal to helping you feel where you should be heading next in your journey of life. Your career doesn't have to define what you do for work nor should it make you feel like you can't pivot and change your mind. Using these skills, experiences, talents, etc. should empower you to find a way to uncover your authentic self while seeing how you can make money using your own gifts and talents. The point is, our world and economy has been forever changed by the pandemic, whether you lost your job because of, realized how miserable you were or are in it or realize it's time to live more authentically, you can put to use all of that knowledge and experience into building something meaningful and impactful. Listen to this episode and let me know if it resonates with you. If it brought you value (and I hope it did) share it with the world! As always, I offer a free discovery call to anyone who is ready to make money moves and I mean really, let's make money moves for you! Below is the link to my Calendly to jump into one of my sessions. https://calendly.com/josemiguel-longo/free-30-minute-discovery-call If the thought of jumping on a zoom is intimidating and you want to keep low key, find me on the Gram, Facebook, and LinkedIn. Email: email@example.com Insta & Twitter: @josemiguellongo LinkedIn: www.linkedin.com/in/josemiguellongo XO, José Miguel P.S. Here is the link to the article I mentioned about GenZ and Millennials #money #gig #gigeconomy #business #freelance #entrepreneur #coach #skills #experience #talents #gifts #coaching #neweconomy #control #values #life #career #future #futureofwork #greatresignation
By Mark Welch in Lake Junaluska, North Carolina 2021 - September 21, 2021 - Four millennial promises and the physical and spiritual changes that will happen upon the earth during the 1000 year reign of Christ due to these biblical promises.
Follow us on Twitter and Instagram to stay updated!@mediafuelpodBig News!DC FandomMarvel NewsJohn Wick Prequel series?! Cowboy Bepop teaserFright Nights 14-22Follow Us!@relsss Insta @relsarels Twitter @whyzeusy Insta & TwitterTags: Lations, gaming
Chris joins Daniel Murray to talk about Dark Social, how it was discovered, and how marketing teams need to get off the attribution hamster wheel if they want to succeed in the new world of social media, communities, word of mouth, and everything that isn't (falsely) measured by your attribution software. Thanks to our friends at Hatch for producing this episode. Get unlimited podcast editing at usehatch.fm.
It's a Spooky Friday ya'll! The Chicks are back with special guest and friend of the pod Casey Jane to discuss Disney's Hocus Pocus from 1993!The three ladies tackle a lot of topics in this one, including but not limited to: thirsty 60 year old women, their inability to clap on beat, 90s cringe, and the reason that Millennials need comfort shows and nostalgic movies! They also take a deep dive into Hocus Pocus history and Casey Jane fosters the Chicks' sense of competition with a trivia game. Did you know Max was a VIRGIN ya'll???
On this episode, Jake and Geoff work through it, Jake has bones to pick, Lego crushes again, Geoff wants all the Michael Keaton Batman, and they celebrate story telling through graphic novels, movies, and animation. They then discuss a bit o' Blazers, video games, Qanon, and trying to do mental exercises in a maze, and the importance of framing questions. They end with economic inequality, surprising finds in a post-COVID economy, opportunities for millennials, and why people are resonating with Squid Game. Enjoy! --- Send in a voice message: https://anchor.fm/saywhatyoumeanpodcast/message Support this podcast: https://anchor.fm/saywhatyoumeanpodcast/support
Episode #50: This week on the podcast I am excited to have Ayana Campbell Smith of Millennial Money Guide. Ayana is a debt-free money coach with a passion for helping millennial women and couples get unstuck and become financially empowered so they can ditch debt, save more, and win with money. In August 2019, she launched Millennial Money Guide™. Through her email newsletter, Instagram, blog, and money coaching programs, Ayana shares practical tips and money advice to help young adults navigate the sometimes intimidating and often misunderstood world of personal finance. This conversation is so helpful and I think you will find yourself motivated to want to win with money. Connect with Ayana: Instagram Blog Coaching Application Email Connect with Lupe: Website Instagram
The fifth and final part of a series on generational consciousness and conflict. This is an excerpt. For the full episode, subscribe at patreon.com/bungacast In this episode, we examine the Millennials and Generation Z. Uniquely, generation war today seems to be a conflict over resources more than over values. Is there any basis for this, and what do Millennials actually want? With generational and class conflict seemingly bound together today, we analyse 'Generation Left' and 'Millennial Socialism'. And we ask what the effect of the pandemic may be on the creation of a Gen Z consciousness. Guests include: Paul Taylor, former director, Pew Research Jennie Bristow, senior lecturer in sociology at Canterbury Christ Church University Helen Andrews, senior editor at The American Conservative Clive Martin, journalist who has written for VICE Magazine Josh Glenn, semiotician, author, and publisher of HiLoBrow Jennifer Silva, assistant professor in sociologist, Indiana University Original music by: Jonny Mundey Additional music: Cacti / I Will Be Waiting / courtesy of epidemicsound.com Filthy the Kid / Vampire / courtesy of epidemicsound.com
Matt Havens is not your typical speaker. His uncanny ability to provide real-world solutions in a relatable and humorous way have made him one of the quickest up-and-coming speakers in the industry. Matt's signature style began in corporate America, where by 25 he pitched the C-suite boardroom of a Fortune 25 company on his plan to lead enterprise-wide transformations to capitalize on the “Millennial” opportunities present in the marketplace and the workforce. Matt's work soon caught fire, and he began speaking to audiences all over the country, subsequently catapulting up the corporate ladder and leading teams in areas as diverse as marketing, sales, and customer retention. Matt has been at the forefront of driving massively-scaled change efforts, started new sales departments, and ran contact centers in 5 different U.S. locations. In short, his approach is baked in reality instead of hyperbole. Matt now brings his simple yet profound solutions to companies, associations, and small businesses across North America. His stated mission is to put perspective into action – both professionally and personally – by unpacking our true motivations, and specifically how our answers relate to the meaningful relationships and connections we create. The versatility of his experience and expertise is why he's frequently called upon to address a variety of topics ranging from generational differences, leadership, culture, communication, sales and building successful teams. https:/www.Matthavens.com Thank you to our sponsors https:/www.Samaritansfeet.org https://www.cardenaslawgroup.com https://www.Findlayvolvocarslv.com https://www.Squeezedried.com https://www.michaelmina.net https:/www.kellycardenas.com
Step 5 of "Millennial Money- How to make millions and be happy". The Great Resignation is driving new business ownership opportunities. 3 Vehicles of ownership: 1. Entrepreneurship 2. Partial Ownership 3. Side Hustle.
Alexandra Vincelli is the host of the podcast, The Anxious Millennial, and in this episode she and I dig into the topic of millennials and money. They feel the pressure to live “the dream”. You know, get a stable job, settle down, buy a house, and so on, but the conventional paths to accomplishing that dream no longer exist. A college degree doesn't guarantee a stable job, the housing market currently favors sellers, not buyers, and millennials are pausing to evaluate their lives and consider other options. “It comes down to balance and valuing life outside of the proverbial office.” Many millennials experienced money as a taboo topic while growing up as their parents were navigating the great recession and even basic money management skills weren't being taught in schools. With social media influencers telling millennials they are missing out if they aren't traveling the world, and parents pressuring them to get a stable job in a market where there's a shortage of stable jobs, millennials end up feeling… well, anxious. Alex tells it like it is and the incredible resilience of millennials comes through in her stories. She also shares some tips on how to get the intergenerational money conversation started. You can contact Alex by emailing firstname.lastname@example.org. Tune in to her podcast, The Anxious Millennial, wherever you listen to podcasts and follow her on Instagram @anxiousmillennialpodcast. More at moneyheartshow.com. --- Support this podcast: https://anchor.fm/moneyheart/support
The forecast calls for porno on KREM, Brian Laundrie body update with Bullhorn Andra, Netflix walkout/protest, WNBA parade attended by hundreds, and the Toolbox Killer leads us into a Foreigner/Asia rabbit hole.Drew's going to the Battle of the George Jewett as his first University of Michigan football game of the year.MLB Championship series have been pretty good. Joe Biden was heckled on Fox's post game coverage. Some baby took over Fenway way past his bedtime. Charles Barkley popped off on Kyrie Irving.Robin Roberts lied to her audience as the WNBA Championship parade attracted very few people to the streets of Chicago.KREM accidentally aired pornography. We call them to let them know.We try to reach the Sissy of Fremont Street after he posted his phone number online.Some dude ate a phone.Dirty Laundrie: Brian Laundrie's body was probably found today, but internet sleuths claim he's still out there using his Pinterest account. We chat again with Bullhorn Andra live from the Laundrie home.Brandon Goodwin is looking to get his COVID / NBA story out there. We offer him a platform.Chris Brown has Kyrie Irving's back.Alyssa Milano has been arrested and she's bragging about it.Meghan Markle is now making demands to Congress.Drew Crime: Don't murder your spouse on the day they file for divorce. Bonerliners have recommended The Toolbox Killer on Peacock. Nikolas Cruz blames weed for his massacre but we can only focus on the sexy judge in the courtroom.We rock out to Foreigner and realize that someone should make a bad Broadway musical with their catalog.WATP's Reddit sure hates Boomer Drew. Boomers are ruining homeowning for Millennials.Dave Grohl believe Nandi is as inspiring as the Beatles and Led Zeppelin combined."Dogs vs The Volcano" starring Tom Hanks.Gas Station Shootings: Stopping for gas in Detroit when it's nighttime seems very dangerous. The dude who killed a Detroit firefighter at a gas station in Troy is out on bond.Macomb schools can't feed their students. Dave Chappelle is so evil that people are protesting Netflix. There actually were some people there that still liked jokes.Richard Speck had great boobs and his boyfriend is one cool kat.Bitcoin is soaring and Zooves is loaded again.Eli may be making some appearances soon.ML's Soul of Detroit is getting feisty.Bob Page hates cigarettes and has no idea how Tom Petty died."The Batman" trailer is out.In case you haven't heard, the supply chain is an issue.Clarktober takes us back to James Brown and Tanith Belbin emails.Social media is dumb but we're on Facebook, Instagram and Twitter (Drew and Mike Show, Marc Fellhauer, Trudi Daniels and BranDon).
Niall Kumar is a long time listener and has had an interesting journey working out what career path is right for him. He joins Glen on the show to share his story and encourage others to get honest with what they truly enjoy and value in their career. The chat touches on:
On this week's episode: why people enjoy the True Crime genre, Netflix's response to ongoing controversy around Dave Chappelle's latest special, and how houses of worship could turn the tides on vaccine hesitancy in their congregations. Please be sure to take the 2021 #Millennial Listener Survey! Our friend John Thrasher from the podcast Shaken and Disturbed joins us for this week's episode, and we dig into why True Crime is such an appealing genre to so many people. Since we've known each other a long time, we reflect on our podcasting careers and how they've grown over time. Dave Chapelle is still under fire for the jokes he made about the trans community as part of his new Netflix special— and Netflix is doubling down on its support. How could Netflix handle this controversy differently? Roxanne Gay wrote an excellent op-ed on the Chappelle special, give it a read. A slim majority of church-going Americans say they would trust their clergy's guidance on COVID-19 vaccines, and yet, most report their clergy haven't said anything about vaccines either way. Why? Add some spice, entertainment, and civic duty to your life with this week's recommendations: HBO's 'Succession' (Andrew), check your state's voter portal to see what's on the ballot this November (Laura), Trader Joe's Pumpkin Spice coffee (Pam), and Marvel's 'What If?' (John). This week's episode is sponsored by Public.com (https://www.public.com/MILLENNIAL to download the app and get a free slice of stock up to $50 when you join). Support #Millennial by supporting our sponsors! And in this week's installment of After Dark, available on Patreon: What would we say to our 15-year-old selves if we could travel back in time to offer advice? Which life lessons do we think we needed to learn to be who we are today? "Micah says taint, don't trust men."
EP278 - Adobe Holiday E-Commerce Forecast with Taylor Schreiner In Episode 277 we covered some of the early overall holiday sales forecasts, and the issues likely to impact this holiday season. In this episdoe we get the very first look at Adobe 2021 Holiday Shopping Forecast. This is a deep dive on digital shopping behaviors based on Adobe Analytics, which analyzes 1 trillion visits to retail sites and over 100 million SKUs. We break it all down with Taylor Schreiner, Director of Adobe Digital Insights. Episode 278 of the Jason & Scot show was recorded on Thursday. October 14th, 2021. http://jasonandscot.com Join your hosts Jason "Retailgeek" Goldberg, Chief Commerce Strategy Officer at Publicis, and Scot Wingo, CEO of GetSpiffy and Co-Founder of ChannelAdvisor as they discuss the latest news and trends in the world of e-commerce and digital shopper marketing. Transcript Jason: [0:24] Welcome to the Jason and Scot show this episode is being recorded on Thursday October 14 2021 I'm your host Jason retailgeek Goldberg and as usual I'm here with your co-hosts Scot Wingo. Scot: [0:38] Hey Jason and welcome back Jason Scott show listeners we are smack in the middle of October and for all of our retail listeners you know what that means it is go time for Holiday 21 way back in episode 277 last week we talked about the supply chain challenges I like to call that Supply pain and we shared the e-commerce retail forecast from Salesforce Deloitte and beIN but there was one notable missing forecast from that list and that's one of our favorites the Adobe forecast well in this episode we're going to fix that hole in the universe we're going to fill it and Adobe is releasing their holiday forecast here on the 20th which is when we'll be releasing this podcast and we are really excited to have with us today Taylor Schreiner he is the director of Adobe Digital insights and fun fact this is adobe's fifth time on the show Welcome Back Taylor. Taylor: [1:34] Thanks God do we get a free sandwich. Scot: [1:37] Sure if we were there together we would have a sandwich but we'll we'll do a virtual high five instead how about that. Jason: [1:44] Just to warn you Scott's character is like grilled into the sandwich so some people find that. Taylor: [1:49] Oh no I'll close my eyes this could thank you Scott thank you Jason it's great to be here we'd love talking to you guys and we love listening to you guys so it's a fun conversation to have. Jason: [2:03] We are thrilled to have you Taylor and I do want to Dive Right In to your methodology and then your data but before we do real briefly remind. Um the audience what your role is at at Adobe to sort of frame frame where your perspective is coming from. Taylor: [2:20] Sure so I run a group called Adobe Digital insights it's got mentioned and we are charged with, using aggregated and anonymized adopted in data to. Help the industry retail and other Industries as well understand the major trends that we see in the data that comes through Adobe analytics or adobe Commerce or any of the other. I could get it to Commerce and experience cloud services that we have. So so our job is to tell stories to make it take all that huge area did it and tell stories that help people understand their world. Jason: [2:59] That's awesome and so there's a bunch of different components of the the Adobe marketing cloud in the do Adobe Commerce Cloud but. Sort of Marque things Adobe analytics which a long time ago too many of us that are super old was Adobe was omniture, is a is a key component of the analytics suite and Magento is a key component of the marketing cloud and so you you get to see, an awful lot of, Commerce transactions across the web via those two products and the rest of the the Adobe stack and you get to use that anonymized data to sort of formulate this holiday forecasting this case is do I have that right. Taylor: [3:41] Absolutely and I really appreciate you calling me super old. Jason: [3:44] I didn't say you called it I'm not sure I said I. Taylor: [3:47] I remember I remember the under two days I do but yes. Jason: [3:50] I'm pretty sure there's like the URL for the analytics dashboard still says all mature. Taylor: [3:54] I think sometimes it does yeah now it's absolutely right face. Jason: [3:58] And then one important distinction some of the. Holiday forecast that Scott mentioned in the intro are actually overall retail forecast and one of the things that that is unique your forecast is slightly more focused you're focused on digital Commerce do I have that right. Taylor: [4:16] That's right we have we focused exclusively on digital Commerce and we're looking what makes us unique is that we are looking across, over a trillion interactions with retailers across thousands of retailers across over a hundred million skus with a boatload of AI behind that sort of categorizing and understanding it but you know the core of it I think for your listeners is weird. The where the group is actually looking at what people are buying in what quantity and what they're actually paying for it. It's ridiculous prices we're not doing surveys were actually looking at the the behaviors that we can observe a huge scale and using that to do both the reporting in this case are forecasting of the holiday season. Jason: [4:56] Yeah and that's super exciting to me because that I frequently rail against the value of stated preference surveys in our industry and and what we're talking about today is observed preferences lies actual data and consumer behavior that you're watching. Taylor: [5:11] Absolutely and it's gonna be fascinating. Jason: [5:13] Yeah so just two other minor precursors and we'll jump in because there is so much variability out there when you say holiday what date range are you talking about. Taylor: [5:22] Good point right now we're talking about the first of November till the end of the year although arguably make it into it you know some of the stuff is starting to creep into October 2 but when we talk about numbers were talking about November 1 to December 31. Jason: [5:34] Perfect we'll come back to that but yeah I think I think the the shoulders of that season are going to be more interesting than ever and then when you say, retail. Like approximately like what is in retail to you I could go US Department of Commerce restaurants and gas stations are in there like do you guys have a standard definition of retail just to kind of frame what we're talking about. Taylor: [5:56] We generally look at a thing where the transaction the Fulfillment are fully executed online we exclude from this things like travel which is a different industry or anything where it's simply a payment system online but you know any Commerce where you're doing your shopping, your your payment and your fulfillment online generally falls into into our space so not restaurants are delivery services but but the goods that you would normally associate with with retail shopping outside of that. Jason: [6:27] Awesome and so digital grocery than would be in there. Taylor: [6:29] Yes he's a digital grocery appliances apparel all that kind of thing. Jason: [6:34] Perfect okay well I think that's enough Preamble and we've done enough teasing what's what's the Top Line are we all going to get our bonuses this year or is it going to be bleak. Taylor: [6:43] It's your our data showing a good year or days showing a year where the story is really consumers want to shop consumers wanted to go buy online but it's going to be really different year for retailers and for consumers because of the supply pain that Scott was referring to earlier they're going to see a lot more out of stock they're going to see a lot, you know a lot higher prices frankly and that's I think it'll hold us back from having a incredible year. Now just keep in mind I'm talking about a 207 billion dollar, season which you know we don't have a great aggregate retail forecast that we based off right now but that's roughly $1 and for of all of all retailgeek. As far as we can see maybe a little more than that. And it's 10 percent up from last year which you know in the long run of historical growth rates is a little bit low but we're getting off of a 33% jump the year before so if you kind of look all the way back to 2019 we're still. Accelerated from where you would have expected us to be if you've been projecting from a prepaid nemec stance so it kind of depends on where you're looking at it from. But however you look at it it's going to be a big year. Jason: [7:58] Got it so in my mind I sort of think of it traditionally year of e-commerce growth for Holiday being kind of like pre-pandemic. We were kind of running in this like 10 to 15% a year sort of range, um and all of retail would be growing at like four percent a year so then last year the pandemic forces everyone online we have this monster year 33 percent and then this year you're looking for you're looking at 10% on top of last year's monster year. Taylor: [8:27] That's right that's right still going to grow it's still good grow significantly it's still good grow you know maybe as you stay at the kind of lower bound of what we used to see but it's a real real growth rate now they'll be some differences in what grows and how it grows you can get into that but it's going to be a good year. Jason: [8:44] And one of the thing that's always funny to me is I guarantee you when the the sort of superficial press get ahold of your forecast they're all going to write the story about how e-commerce has is slowing way down. Taylor: [8:58] Right yeah nobody wants to talk about two year growth rate or you know try and digest everything that's happened over over the course of the pandemic and fine and but I know, when you step back even a little bit e-commerce has transformed over the past 20 24 months I think the bigger story is people are shopping for their groceries people are shopping for their Furniture you know folks out here in Berkeley or buying compost online, the way that people engage with e-commerce has radically transformed over the course of the pandemic and that's here to stay and that's this the basis of that growth and that you know that's the part that really has accelerated over the course of cobit so if you want to look at a particular growth rate and say it's slowing down, fair enough, but I don't think for instance you know I want to make predictions in 223 but I don't think this 10 percent growth rate in 22 is telling you that 23 is going to be slow I think it's more of a balancing act between. 2020 and 2021. Jason: [9:58] And again like this still means e-commerce is almost certainly growing faster than brick and mortar. Filming the whole industry is still growing in a very disruptive year I do want to like maybe double-click on covid just for a second because this was the big open question when we were all living through, the first half of the pandemic was sure. Everybody's turning to e-commerce people don't want to go to the stores there's health and safety issues they're all they're all these open things so not surprising that it drove more people online a big question at that time was. Is this just an acceleration of a trend and this is going to be the new normal or will those people all be desperate to go back to the store and resume and back to the mall and kind of resume their pre-pandemic. Shopping behaviors and. My read of your data says no no we're locking in all those changes that happened last year and then we're we're growing at a pretty healthy clip from there is that a fair way to be thinking about it or am I wrong headed as got usually points out. Taylor: [11:02] No in this particular case you happen to be right the that's absolutely true if you look at the aggregate growth I think it tells exactly that story that it, it is we're banking all the gains that you got through covid and there were growing on top of that, I think another stat I think really tells the story is our buy online pick up curbside. Data which you know followed that trajectory you talked about Jason, getting up there as we got into the pandemic and retailers adjusted we have a we have a set of retailers we look at the median portion of their online purchase online orders that are fulfilled curbside and that ramped right up last year with all of its fulfillment challenges ranked right up right before Christmas you about 25% we thought that's a that's a high peak right we got into April of this year and it gone right back up to 25% people are still going and pick you up curbside that's a habit that they're in their shopping online and fulfilling next to the store and we expect that to hit a whole new record frankly as we go into this year so it's a it's a habit that people have gotten into and they're not letting go of. Jason: [12:10] Wow and if this is from memory but I want to say last year you guys said that well well e-commerce grew at 33% the dopest segments are the curbside pickup segment grew way faster than that it was like a hundred and ninety-five percent. Taylor: [12:25] Yeah I don't have enough time I have like it's something like that it was it was significant and this year's going to be. Going to be crazy and you know anecdotally you know there are a number of stores where I think hey I really like this I'm not going to set foot in number of those I'll shop with them but I'm against it putting them again for a while if I don't have to this is great for me. Jason: [12:47] Yeah you know it's maybe only partly analogous but I talked to a lot of Quick Serve restaurants. And you know they have the same thing right they sold they sold meals but it was all off Prem consumption and you know the restaurants that have the biggest intrinsic Advantage were ones with drug through. And I've talked to an awful lot of restaurant tours that are like if I could wave a magic wand and make my dining room go away and have a more robust drive through. I would do it because that's the customer that that appears to be the long-term customer preference. Taylor: [13:19] Yeah I think and I think a lot of retailers who have got good real estate or obviously having to rethink how much of this is a you know distribution center and how much of this is a shopping experience and you know it's gonna be different than it was two years ago for sure. Jason: [13:34] And then I guess the one other sort of observational thing I've noted is. Yeah so you know our store is going to get people to walk back in the store to pick up those digital orders are they going to continue to pick them up at curbside and you know one who knows but one clue. Um is pre-pandemic Walmart had these in storage lockers these robotic lockers this cool Tower and all their stores. Um and they d installed all of those towers and they're now doing a national remodel with a much more robust, curbside picking lot parking lot right so it seems very clear and Walmart's case that they're saying hey the. You know this isn't just a reaction of the pandemic this is a you know a permanent infrastructure change we're making two. To make to eliminate in-store pickup and make curbside pickup more. Taylor: [14:24] I think that's right I think that is likely the trend I think you know it there's a lot. A lot of the hassle of of shopping that you're removing with shopping online and pick you up at the store is, is that last not mile I mean the last you know a hundred feet hundred yards of going in there and getting in the inline or whatever if you can just sit with your app and check your email with some well so they put stuff in the trunk that's a lot of a lot of value add there so I would expect that to be continue to be the trend. Scot: [14:52] Bullets as I introduced I'm kind of keenly aware or following the supply chain stuff and I noticed in the front of your presentation one of the bullets is unprecedented out of stock levels if you guys can you share like you know what you think that's going to be and is there any way to put a number on that like you're numb your forecast would have been you know twice as big if it wasn't for this or you just guys are just flagging it as this adds risk to the holiday. Taylor: [15:21] It's a fair question something we think a lot about I mean it's really hard to characterize and we probably just need more more. Time with the with the day I met don't make time to think about it but time series data to really understand how out of stock. Alters people shopping behaviors whether they abandon or whether they take some to which they redirect themselves. I will tell you is that you're going into if you look at sort of 2019 isn't as the normal it was growing when people were getting more out of stock items more of stock hits over time maybe you know creeping up toward fifty or a hundred percent more even over the course of the year and the pandemic hits and people are five times more likely basically four and a half to five times more likely to get an out of stock message and that's today that's not necessarily going to Holiday where things could get more challenging. So that could go up where we see it often isn't most often is in apparel so again you know I think it's going to affect different categories differently out of socks in the Peril can be if you're looking for a particular stereo pair of sneakers or particular you know this is the 20th so what made you I was buying for my wife but something you know a vest or something right that is her birthday is on the 23rd so I want to tell her what's what I was shopping for, anyway the you know you might not get that. Scot: [16:46] Is your wife a listener. Taylor: [16:48] I really doubt it. But yeah you might get redirected to something else whereas in electronics for instance we see you know a lot of chips shortages but. But price is a bigger factor in some of that marketing and decision making and so you're able to see apparel prices creep up a little bit but a lot about a stock you see for instance Electronics prices creep up a lot from what we would have expected but that that has reduced the out-of-stock challenges that they faced. Scot: [17:24] So so it's hard to put a quantity quantify on at this point maybe you think after the holiday you guys will be able to. Taylor: [17:31] I think it'll be easy yeah I mean you know we have a clear estimate of what things might have looked like before I think after the holiday talk to us in January we can we will have a better sense of how this played out this holiday season one of the challenges that I think is out there is it's not clear yet how much out of stock consumers are really going to see this season, based on you know when retailers are running promotions how they're stocking us those promotions how they're managing their their portfolio of goods so. We'll have to see but it's something that yeah had Beyond in January we'll talk about. Scot: [18:09] Okay it's going to be more of a chess game because the retailer they have the only information about what they have and what they can expect and then matching that to the promotional calendar this year is going to be interesting and playing a little game of chicken with the consumer to because consumers should be reading about this a lot so it's going to be fascinating to watch watch how that plays out. Taylor: [18:29] Yeah I've been recommending to Consumers frankly to make two lists, say look you got one list of things where I know I want this for the holidays and you got to buy it early because you might worry about your your out-of-stock situation and then another set of goods were you think hey you know if this doesn't come through or if I don't get specifically the version of this that I want yeah if I don't get this TV but I get a different brand TV I'm okay and then those things you can really shop for on the big major sailed is but it's you know. It's going to be it's a lot of a lot of work for the retailers to figure out how this game is going to play out and frankly it's gonna be a lot of work for consumers to figure out how they're going to address it. Jason: [19:10] I guess one of the ways I think about this it's important to remember that out of stock does not automatically mean wah sales like a lot of times there's a. Customers first choice but the they'll make on the Fly substitutions are switches when they discover some things out of stock so we still capture that. That's a land it seems like all like you know all the people forecasting retail sales for this holiday are pretty robust numbers you're coming in with a pretty robust number, everyone saying we're not going to find, consumers first choice of goods so the sort of logical conclusion here is the consumers in a spending mood when I go to the store to get baby grow goo for Scott for Christmas and it's out. Um Scott's going to have to settle for some cool dune toy that I find. Taylor: [19:58] Hey didn't really cool the The Arc right and I think maybe the way to answer Scott's question directly is you know. In the face of this rapidly increasing out of stock, we're seeing at least you know up to the 5x of what we saw in 2018 we have still seen really impressive growth this year especially we're 2019 so so far whatever headwind it is is not. Super significant now I think you know the experiment that will be able to look at is if this starts to spike as we go into the holiday season if retailers have a hard time matching their inventory with with consumer demand then that might have a bigger impact in the they'll be saying we can look at more closely. Jason: [20:42] So you alluded to some of the categories and I have a feeling that. Um that both out of stocks and the impact of out of stocks could play out very differently in different categories right like if someone goes to the grocery store and we're out there out of your preferred brand of toilet paper. You're probably going to switch to another toilet paper but if there's a particular luxury fashion item or a particular toy that little Johnny is asking for for Christmas. Um you might be more inclined to hunt her harder for that product or defer that purchase and get it later or something like that right is does that make sense. Taylor: [21:16] Absolutely yeah and you know grocery out of stocks are not not at all infrequent with your particular Goods at a particular moment and then apparel is something I don't know about the rest of you but I've gotten. Pretty acclimated to the notion that I'm not necessarily going to be able to find the size and the color I'm looking for on the first try that it's quite quite possible I have to hunt around but you know there's a lot there a lot of style choices that go into that whereas I think you know if you're looking for a you know something specific as you say you know for particular. Particular toy your gift you might have to hunt them different retailers to go find it but you might be willing to do that exactly well. Jason: [21:58] So when you roll it out all that up are there any categories in your mind and end up being clear winners or losers for holiday. Taylor: [22:06] Well you know I think the it's it's a good question the the. [22:17] Clearly where we've seen growth is where we've seen the clearest growth in the holiday and in e-commerce in general has been in the things that are not holiday specifics of groceries apparel those kinds of things have really grown and we continue to see them grow so in some sense they are the Commerce winners because they've really absorbed the, I think what's going to be very successful early on are going to be these deals that get spread out around electronics and other gifts in an apparel we expect to see those went out very well I've got my eye though on non physical Goods things like downloadable games and things like that that happen the mic pop up toward the Christmas season is people who are looking to deliver something that is great experience especially for kids that isn't going to be constrained by shipping challenges and then. [23:18] I don't know where to put my bets this year because I've got my eye both on the demand that I see in a lot of things like gaming consoles that are looking great but also on you know there's a big question mark over over Supply challenges and how that will play out for them so I would be cautious in spread my bets but but electron you know the traditional gift areas are going to do really well and apparel seems to be continuing to take off very strongly in what we've seen so far. Jason: [23:48] So you the non-physical thing is super interesting ordinarily and holiday like as you get closer to the end of the year and you kind of hit shipping cut-offs and last year we talked about a lot about ship again I didn't, and you know bottleneck sit ups and FedEx and all of that you know retailers pivot to trying to sell. Intangible products pretty hard right and most notably gift cards so I imagine that with the the inventory situations this year that that's going to be more prominent than ever that you know if you can't find the, the toy you really want you know it might be an IOU you're getting, it holiday in the hopes of getting it in January or February but there is a new kind of intangible that kind of didn't exist last year and is having a little bit of moment and I have a feeling Scott's way more into it than I am but why. Does all do all of these out of stocks kind of play into the the the. In Ft kind of hate this year do you think that we could start to see some of them on the holiday wish list. Taylor: [24:52] I think I think in a few still have a ways to bleed into you know consumer experiences and consumer expectations that I see a lot of reading and not a lot of a lot of buying but if people can figure out how if retailers can figure out how to make. You're kind of cross that Chasm and figure out how to make it a real consumer experience and yeah I think there's a lot of opportunity there for that and you know and speaking of things that are not necessarily tangible and expire or unique you know we don't forecast travel into our into our data but we do look at travel and right now you know prices for. Plane tickets are about 13 percent less than they were on average in 2019 so you know depending on how. Vaccinations and mask mandates and travel restrictions all play out there may be a push if knock wood covid gets better for more experiential, experience driven options for people to give as gifts to. Scot: [25:49] One of the things that I've been really intrigued by and this is because some of the companies have gone public but this buy now pay later and I saw you called it out and I've seen a lot of the Wall Street analyst as a for my generation I look at it I'm kind of like, you know why don't I just put that on the credit card what's interesting is I've seen this whole generational thing where Millennials and gen Z years they're looking at it as they associate the credit around the item they don't like kind of having open credit and they want it to be around a specific item what what are you guys seeing as it relates to the be npl. Taylor: [26:25] We love new acronyms right be in PL no I have exactly the same experience you just got where I think exactly what you do this but we had two sources on this one is we looked at the actual data that we see flowing through our systems and we saw skyrocketing last year of buy now pay later Behavior we saw about 44 percent growth over the course of the year, weeks that slowed a little bit in percentage terms as we went through this year but you know as we get back into the holiday season I have every reason to expect that to re-accelerate, and you saw quite the distribution two of you know sources of this is some retailers got into this business a lot of financial institutions got certain play in this area so there's a lot more more options we saw those we saw the minimums for buy now pay later come down from those institutions and simultaneously we actually saw consumers spend more or put put bigger purchases on buy now pay later, and when we surveyed about it we, we saw what you were alluding to Scott this is a generational difference in the way that people manage and even think about what credit really is and was striking to me is that the top, category that folks told us that they were interested in using buy now pay later for was was clothing that they were making those kind of purchases and and Spring Meadow over time because they were, lumpy in their year and then they were spreading it out across their income without affecting their credit. [27:52] Electronics was obviously on that that set to you going to buy your television as televisions get bigger and more expensive or cheaper but bigger but what was the. [28:02] Third category that I thought was fascinating was groceries. And not again we dug under that that wasn't just people it wasn't generally people saying look I've got a week's worth of groceries and I spread the payments out over four weeks that's hard to make sense of but but more you know I'm throwing a party or having an event and I have a spike in my grocery budget no one at this I want to smooth it so it is a and then they were everyone was managing it sort of separately from this notion of having a lump of credit card debt they had a managed versus a purchase they had to think out and pay off those are two really different categories so it is it's a really different way of thinking about credit that's manifesting in buy now pay later and it seems to continue to be growing at a significant rate. Scot: [28:49] Yeah do you think. The pitch that a lot of these so that the two big companies are there's three there's a firm karna and after by and I'm sure there's more egg even like shopify's coming out with their own and what not, their pitch to retailers is it bumps up your cart size right do you think, is this going to be a factor this holiday in our is it going to bump up the ASP you think there are still too small to be a meaningful consideration. Taylor: [29:17] You know when we when you average across the enormous event that is the holiday season I don't think we're going to see average order value is our average basket, values go up significantly more noticeably are or more to the point me off trend of what we've seen in the past that said, you know I think. If these retailers are thinking about their customer base has more granularly and they're thinking well I've got a group of folks who I can actually juice where I can do sup there their basket sizes and their purchases by offering that I think that probably is true and, you know as with these kind of generational shifts it may make a difference in the longer term as you change consumer buying habits it may open up a door for that generation is incomes increase and time goes by so I think probably more of a long-term play when it comes to aggregate average order values but for specific audiences for specific customer bases I think it did make a difference. Jason: [30:18] Yeah it's going to be interesting you know there's a payment method that historically has been really popular holiday that you know. Rich people that listen to e-commerce podcast don't tend to think about but it's layaway. And I like one of the interesting Trends you know Walmart which does a very robust delay way business retired their layaway this year in favor of a buy now pay later service. Taylor: [30:44] Yeah I remember the I remember the Layla way shelves. Toys R Us when I was a kid and just sitting them seeing all these items sit there waiting for people to pay for them but if you can get the same effect. And both for the consumer on their credit and for the retailer in terms of getting paid then it's certainly more enticing for the customer to actually get the item rather than wait for it. Jason: [31:10] I know for sure I do like to sad things there was kind of a fun tradition because of away away some very kind people would often go into a retail store. And pay everyone's layaway. And it was kind of this like secret Santa thing and you know it would happen every year there would be lots of these cool stories so I worry we're going to miss out on that which you know probably isn't. Isn't hugely meaningful but it said to me but the other thing that worries me a little bit about holiday I do think like based on your growth forecast like this is going to be a bunch of consumers first experience with these buy now pay later services, and I would still say there's a lot of consumer confusion because like I look at the landscape of these services. And the spectrum is very broad there are you know some kind of thinly veiled payday loan operators that are you know charging like huge interest and late fees and all these things on one end and then there's there's some like. Really generous programs that are very popular in here that don't charge interest in don't have late fees and you know is sort of a. Very low cost and so it. I'm not sure consumers are going to be Savvy enough to differentiate all of those for this holiday I know Target in particular is offering two different buy now pay later options and. Consumers are going to have to learn how to shop for those vendors now. Taylor: [32:35] I think that's absolutely right Jason it's very hard you know it's sort of an unstructured product that can have a lot of different attributes and it's not like a credit card where you we serve reduced it to something like credit limit and interest rate right with some with some bells and whistles and it's also not, it's not even something that consumers know how to frame necessarily like I certainly didn't when I got into the space what is this what are these payments mean what is the penalty if I miss the payment you know what are my other options how are we going to communicate how you get paid what information do you need has if at my credit score it's a lot to think about and it's going to you know thinking has a lot of costs especially when consumers are shopping this quickly so you know I think we'll have a reckoning Reckoning but a moment to pause and. Reflect on how this all evolved we get to the holiday season it will see some things shake out I would imagine. Jason: [33:31] Next well let's pivot to something near and dear to my heart the we alluded to up top the shape of holiday so there's two. Parts of this that are super interesting to me, ordinarily when we talk about holiday we're laser focused on these five days at the end of November the turkey fiber that I think you guys caught the Cyber five. Taylor: [33:53] Yeah they're my wake up at 3 a.m. 5 so I have I hold them in a different regard but they are. You know the story that you know when we would talk to you guys before for the pandemic would always be you know hey this the the season is growing but these big days are growing faster retailers are concentrated you're competing and concentrating their deals on those days and we're seeing retail consumers follow suit and they're expecting those deals on those days that really flipped around last year we had a massive growth last year about 30 odd percent 33 percent for the season. [34:27] But the individual days were growing in the low 20s there are growing about 10% slower then the season as a whole and we expect that again this year we expect the season to grow at about 10% expect the big days to grow about five-ish percent. To be clear they're going to break records I mean we're going to have an 11 plus billion dollar a day on Cyber Monday we're gonna you know Black Friday is going to going to inch up close to 10 billion Thanksgiving is going to be you know over five it'll, level that we used to call Young used to be Black Friday of numbers it's going to be massive but both because, retailers are spreading out the deals for supply and fulfillment reasons and because consumers have really shifted what it mean what e-commerce means in other words they've established sort of water level of shopping for things that are not holiday and promotionally driven, those percentages are harder to move than they used to be so yeah it's going to be they're going to be big days they're gonna be huge that last hour before the end of Cyber Monday we're going to see $12,000,000 move through the system in a minute so, every minute so it's going to be big but it's going to be a different pattern especially the thing from the Retailer's perspective than we've seen in the past. Jason: [35:40] Interesting and do you have a feel for like how much it like I think you hit on the 2 reasons for it like one is the lot of large numbers there already huge. Huge numbers and and you know frankly in some cases quite you just can't squeeze more Goods through the. The funnels on those days and then the other one is changing consumer patterns and and just you know more General e-commerce consumption on every other day of the month and all those other things like it, I'm assuming it's a blend of both of those but but is is this year more prominent that people are going to be holiday shopping on other days or you think we've just. Taylor: [36:18] Yeah it's hard it's a hard call I think what's unusual about this year's really the retailer side I mean you could imagine a world where with fewer Supply constraints where retailers are more willing to put big sales on those big days and compete for eyeballs and four dollars so maybe a maybe there's a new normal where that changes but what I don't think is changing is that consumers are now permanently going to be in a state where Ecommerce is more and more available to them where you know be their home. Certainly their phone is is increasingly an easy place to go shopping and so all this concentration on these days is going to make less and less sense to them in terms of shopping behaviors if you go back out you know the origin of these days is really about sitting outside a big box and and can't be out and trying to get deals because you had to go in person but if you don't, if you if you if it's less and less the case that you actually have to go get things then it becomes easier and easier to spread out your purchases over time and if you're always shopping online you're not, you know just sort of the complete opposite of what you know going going to the office for Cyber Monday to go shopping which is what some of us used to do then you know you're much more open to these deals and opportunities that that retailers can offer you throughout the season so that part's not going away. Jason: [37:40] That's a great point so so then let's let's zoom out a little bit you guys are counting holiday is November 1 through December 31st a lot of retailers would, include January in there, holiday season again a lot of you know gift cards and returns and people you know come in with that return and they buy more stuff so January normally is a good month, and then this year the deals. Started in October right like Amazon Started Black Friday deals on October 4th time to get started on October 10th I think. Sort of boosted because of the supply chain concerns retailers are fighting really hard to start holiday shopping in October, and because all the stuff we really want is stuck on a boat off the coast of Long Beach we might not get it until January or February so with all of that supply chain squishiness. Like is there like what you know. Taylor: [38:39] What do we see. Jason: [38:40] Holiday in November and December but is it even a like the rate of growth is even bigger if you were to kind of you know redefine holiday as a October through February. Taylor: [38:51] Yeah I mean the way that shows up in our data is that we see a we so far I've seen a very strong October, we've seen very strong October in terms of overall e-commerce growth not not on par with you know the big holiday months but it's you know we're looking at you know roughly that ten percent year-over-year a little bit more for October so it's a good sign. [39:17] The what we're also seeing though is we're keeping a close eye on prices and as I said we're see we see. Data at the transaction level and it gives us a particularly unique view into into prices and we're going into your September are digital price index which is the of the basket of goods that we see purchased online through retail was up 3.3% over last year less than the CPI was up last month but still really significantly and for context up until the pandemic we had never seen digital inflation it always be always in prices going down on part about 5% order of about five percent so people are going into this season with higher prices there will be some discounts but we in October but I don't think they're going to make a dent in that inflation yet. And frankly from what we've seen historically over the other holidays of this year we expect to go in with higher prices for goods in general and we expect discounts to be, significant but a little bit shallower than they were at their last year their deepest point so consumers may be paying significantly more, this year on a Black Friday for a particular item than they were they would have been last year on that same date when you add all that up. Scot: [40:35] Nursing the so I know we're up against time so a little lightning around here it wouldn't be a Jason and Scot show if we didn't talk about Amazon any any tea leaves on Amazon. Taylor: [40:47] So we are we assiduously avoid commenting on particular retailers for a number of reasons but everybody's going to have a big year I would imagine this year. Scot: [40:56] My theory is if the supply chain matters Amazon Amazon Walmart and maybe Target are so dialed in on that but it was some a bit of an advantage and could hurt the small guy this year but we'll see how that plays out. Taylor: [41:11] What do you think the large versus small is a good good framing of that, you know bigger retailers in and out of stock in a world without of stocks have more options to to offer and complete a sale and then small retailers who may see their carts more likely to be abandoned I think that's a significant factor. Jason: [41:31] Okay so then the next lightning one is you talked a little bit about inflation you talked a little bit about like discounting not having to be quite as deep. How does that all washout in terms of profitability I do do retailers make more money on fewer sales this year or does do all these supply chain costs eat it up and, and it's you know thin margins. Taylor: [41:51] Yeah well so I think margin management is going to be a whole different game and retailers of already had to think a lot about that this year that you know the top line is going to be bigger per item so you're going to get more Revenue but I don't see that really being driven by some kind of margin maximization Behavior it seems to be largely driven by increasing increasing costs of goods and so you know I don't see a real Gap step open it up between increasing costs and and increasing Revenue to create a giant chunk of margin there. Scot: [42:28] How about anything on device Trends any news kind of done to be a bit of an old story that you know the smartphone is overtaking the desktop. Taylor: [42:37] There is a little bit of news it's kind of fascinating so we that's that's it if you looked at the share of Revenue that was doing through smartphones from 2014 till even into the pandemic you could have basically drawn a straight line I mean it was a it was a sort of, Early College regression experiment that we've been super easy for First Years to do that's changed a little bit smartphones are still gaining cheer don't get me wrong they're still growing faster than desktop in terms of the revenue is coming through them. Ever so slightly more slowly than than they used to and it may be an indicator that, in America at least we may be headed toward an equilibrium to looks more like a sort of 50/50 World between desktop and phones which is obviously really different than some other parts of the world where that it may be 80/20 or 90/10. [43:33] Right yeah I got two expense that so I can you know make it part of our part of our. Jason: [43:38] If we get our new app tops in time then we're all shopping on our laptops otherwise we're all shopping on our floor. Taylor: [43:42] Exactly. Jason: [43:45] But it wasn't a or we could talk all day I know you're in super high demand this this time of year and and you know quite frankly not in demand at all the rest of the year so I'm sure we'll talk again when. When you're less popular, but this was awesome we really appreciate your time as always if folks want to continue the conversation or have questions you can hit us up on, on the Twitter or the Facebook page, and as always if you got value out of this show we sure would appreciate it if you'd go on to iTunes and give us that five star Christmas review. Taylor: [44:19] That's what I'm going to do Jason. Scot: [44:21] Awesome we push it if that's aren't your gift to us and it's digital so we don't have to worry about Supply pain if I think in past years you guys have set up kind of a cool holiday news Hub is that something you're going to do this year and we're world where will we find them. Taylor: [44:37] It will be there I need to get you the URL we can put the URL in a link to this if you guys are watching this online I will make sure you guys have it before we got there but yes there will it'll be there. Scot: [44:47] All right we really appreciate the time. Taylor: [44:50] Right thank you guys I really appreciate Scott real patient appreciate Jason happy to do this anytime. Jason: [44:56] We appreciate you Taylor and until next time happy commercing!
A growing number of people throughout the world, especially Millennials and Gen Zs, are losing faith in God and choosing not to affiliate with organized religion. This episode's guest is therefore somewhat of an anomaly. Peregrine, a young man from Australia, converted to the church from a deeply atheistic background in 2019. He describes the darkness and suffering that characterized his life and worldview prior to joining the church, what ultimately drew him to the restored gospel, and shares the multitude of ways his new-found faith has elevated his perspective and blessed his life. Want to watch Peregrine's powerful testimony shared on Youtube? Check it out here: https://youtu.be/gdC4r8MHeT8 Saints Unscripted Interview: https://youtu.be/DQEUvd8P2cQ
Unleashed Jeremy Hanson 10/20/21 New York Mayoral candidate wants undocumented New Yorkers to legally vote, he also wants to expand its roll as a sanctuary city!! Should illegal immigrants have a right to vote anywhere? The supply chain problem keeps getting worse and Americas elite tell Americans to just lower your expectations! Millennials have been the brunt of the joke for far to long, Is it time we give and apology?
Growing up Asian, we all learned about all the ways to dishonor your family. For the uninitiated, this usually comes down to the 3 main taboos of hair dying, tattoos, and piercings. Times have definitely changed, but that hasn't stopped our parents' generation from holding onto these stigmas. Since we're technically millennials, we give our take on these taboos and how they relate to the professional working world. After that, Laney found a way to make $50 during Shooketh not Stirred, so you'll want to stick around for that.
The age old question strikes again but perhaps the answer is in the question. Women talk more than men at least from our perspective and working with Mandilove all day. Can you believe there has been Harvard studies on who talks more between the two species? The gang digs in and gives you the straight facts and a surprising answer to the age old question. We listen to the number song of a random country later and also bring you the hottest of all salt segments yet.
Lagos is so wild(5:00), growing up, America was the land of hopes and dreams (20:23). Christmas is coming back to Lagos(31:30). The five core Igbo states are scattered (42:10), and why should NYSC be for 2 years? (52:33), and Superman's son becomes bisexual(56:00).For fan mail: email@example.comFor ads: firstname.lastname@example.orgSubscribe for Newsletter: https://bit.ly/234newsletter234 Essential on Twitter234 Essential on Instagram
This episode covers the Career/Purpose and Money categories.This episode's guest is Marcus Cheu, a fellow Podcaster and side hustle coach. He helps secure client's first few paying clients and get the ball rolling with actionable tips. We talk about the following: How to narrow down your Side Hustle via the Triple S theory: Story, Strength, and SkillsHow to avoid the Shiny Object Syndrome3 Performance Tips to get more out of the day while avoiding burnoutI'm curious to hear your thoughts and how you will implement the tips provided in the episode! Please leave a review, subscribe, and/or comment your thoughts by reaching out via email at email@example.com or Instagram @financezilla! If you're interested in financial coaching or corporate success coaching, feel free to reach out via the above platforms to apply or click this link for a FREE 30 min strategy call so we can work together with you to achieve your goals!The Coldest Water! - 10% off using code FINANCEZILLAHabits365 apparel - 15% off using code FINANCEZILLAMake sure to reach out to Marcus below if you're looking for a coach to help your speaking as well!LinkedInInstagramListen to him weekly on the High Performance Hacks for Side Hustlers podcast (link is for Spotify but he's on all platforms)Marcus's recommendations: Never Split the Difference by Chris VossGrit by Angela DuckworthThe Mindset Mentor podcast (link is for Spotify but it's on all platforms)
Resources/ Mentions:Bigger Pockets Ken McElroy Podcast Contact:Daniel Johnsondaniel@refocusfp.comWinston Salem "Bigger Pockets Meetup" PW Gopalpwgopal@firstname.lastname@example.org ** If the content of this episode or podcast has brought you value we would appreciate a tip at the Paypal email below. We promise we will put the funds to good work and honor your email@example.com
This week Brian speaks with Courtney Brand, CEO of thelighthouse. thelighthouse is building the Waze for everyone's career, starting with a career growth platform built for the fast changing world of work. thelighthouse empowers rising mid-career professionals with the network, insights, and support to reach their career goals and maximize their potential via one-on-one matching with relevant professionals, curated resources, and member-driven events. thelighthouse partners with people-first companies looking to invest in their top Millennial talent, thereby increasing performance and loyalty. For more information, visit www.thelighthouse.us If you have the next big idea, apply to the Expert Dojo Accelerator: www.expertdojo.com
Kimberly Marie is a real estate investor and a Doctor of Physical Therapy based in Indianapolis. She created a successful real estate business starting with single-family residential flips, moving to buy-and-hold, and now multifamily commercial apartments. She did all of this while balancing full time and eventually part time work as a physical therapist. She recently left her physical therapy practice and is investing in real estate full time. Kim's Instagram: instagram.com/kimberlymarie920Kim's Company's Instagram: instagram.com/reddoorrenovationKim's email: firstname.lastname@example.orgFor more info, check us out at makeitraincapital.com.Welcome to Make It Rain: Multifamily Real Estate Investing for Millennials! We're Daisy and Luc, two millennials who love multifamily investing. With every episode, whether we're discussing a special topic or have on an amazing guest, the goal is to provide education and resources for anyone interested in investing in multifamily real estate, especially if you're a millennial. We're excited to chat with you about the what's, the why's, the how's, the who's. The best way to show support is to share it with anyone who might benefit from it and leave us an awesome review. Check out our website at makeitraincapital.com for more goodies. Take action on your financial future TODAY!
In this episode, we talk about the pros and cons to being CONTENT. Can contentment be a positive and a negative? Why being content starts at the individual level + ways to reignite a relationship and so much more!!! Turn us up, and if you have a moment-- FOLLOW US ON INSTAGRAM @sumitupsumners. Like, comment, and SHARE! Your support means so much. Enjoy the episode. ALL links: https://linktr.ee/admin*Sponsors*Beautiful Briny Sea: https://www.beautifulbrinysea.com/
"Where's all my soul sistas? Lemme hear ya'll flow, sistas! Hey sista, go sista, soul sista, flow sista Hey sista, go sista, soul sista, go sista!" Why am I kicking off the new season of my podcast with lyrics from the classic "Lady Marmalade"? Because Season 3's first guest is a true soul sister: Life/performance coach Kim White, who not only has kept me focused while remaining fearless and fabulous over 40, but is also a dear friend. Call her an Influencer, Motivational Speaker, Performance Coach or The Energy Lady (what her hubby calls her!) but regardless of her many titles Kim has taught me to keep going no matter my age, because as we both firmly believe you're never too old to start! Failures don't define us and take it from her, who after 40 became a coach, fitness instructor and a mom, that is the truth! She is an expert at late blooming and as a fellow late bloomer, our connection was heaven sent! Kim has spent more than 17 years working with topics of human performance, energy management, and leadership. She has been able to leverage her degree in Health Education (Otterbein University) and a master's degree in Education Administration & Curriculum with a specialty in Professional Development (Ashland University). In addition to her teaching licensure in Special Education (The Ohio State University), Kim holds her Professional Teaching License from the State of Ohio's Department of Education in Health. Kim holds her Business Coach Certification from the World Coach Institute (WCI) and Fitness Instructor Certification from the American Exercise Council (ACE). Additionally, Kim is a Learning and Performance Consultant within Nationwide Retirement Institute (NRI), a department in Nationwide Financial, which delivers differentiated value to associates, financial advisors, leaders, and partners through programs that help them effectively grow both personally and professionally. For more information about Kim visit her online at purposewithkim.com, on Instagram at cultivate.your.purpose, and stay tuned here for upcoming episodes which will take our Not So Darlin "motley crew" of GenXers, Millennials and Boomers on a series of awesome, eye-opening journeys through summer '22!
We welcome back Millennial guest Sharon, who speaks with us about her journey from psyche major to law school to a career in higher ed to her new career in real estate as well as her thoughts on how she will support her son when he is old enough to go to make decisions about attending university or his career. Check out her previous episodes from Season 1 What Do GenX and Millennials Have in Common? Generational Christmas Traditions Unwrapped Check out Sharon's real estate options in Arizona: PHX Desert Dwellings Sharon Siorek on Instagram Share your thoughts or be a guest by reaching out! GenX Voice on Instagram GenXVoice.com email@example.com
When is the last time you have invited someone into your home to sit down and dive into the parts of life that go deeper than everyday conversation?If this isn't something that you do, or have done recently, what's holding you back? Is it space? Is it clutter? Is it fear of what people might see when you let your walls down?For me, at one point or another it's been all of those things, and I know I'm not alone in that. That's why I'm so excited to share today's conversation with Victoria Duerstock.Victoria Duerstock is a creative, an author of multiple books, and has over 20 years of experience in interior design. Today we are talking about the richness that letting our walls down and literally opening up our doors has on our lives---despite what they look like, how big they are, how much laundry we have piled up, or how our kids behave.This conversation has come at such a perfect time because over the last year or so, Corey and I have chosen to finally get rooted in a town and intentionally dive deep into the relationships around us. We desired to find a community that we could do life with, and go beyond simple conversation and small talk. God has been so good in blessing us with that in His timing, and honestly none of these deep relationships would exist if our friends had not let their walls down, and invited us into their worlds and their homes.The richer our relationships get, the more I see this lacking in our generation as a whole and it's something I truly believe we desperately need. I can only say this because I went years believing that growing roots in a community and connecting deeper with other people outside of my immediate family had no value. How wrong I was!Victoria is so full of wisdom even in this short conversation. Not only does she share truths about the importance of getting past trying to “appear” a certain way, but she gives tactical tips on how to style our homes and make them more inviting.I hope you leave this conversation today feeling inspired to invite others into your world, and make your home a mission field.Episode Highlights: Victoria's journey to where she is now.The heart behind her new bookMaking your Home a Place of Mission with Victoria Duerstock.How to be more mission-minded when it comes to our homes.Things we can do to become more connected in this crazy world.Simple ways to re-decorate with what you already have!More on Guest:Victoria's WebsiteGet Guard Your Heart and Home HEREConnect with Victoria on InstagramMore on The Millennial Mission/Links Mentioned in Episode:Follow us on IG: @bethanyandcoreySign Up for exclusive discounts, benefits, and top secret info only our podcast listeners get!www.millennialmission.coPress Inquiries/Contact: firstname.lastname@example.org
Welcome to Difficult Conversations with Dr. Anthony Orsini. Today, I have the pleasure of interviewing for the second time my friend and former colleague. Dr. Karen Knops is a Palliative Care Physician and the creator of programs designed to improve communication in medicine. Her work is deeply influenced by her own experiences as a young patient. After receiving her medical degree in Internal Medicine and completing her Fellowship in Palliative Care, she went on to create and lead the Division of Palliative and Supportive Care for a six hundred bed community teaching hospital as part of the Atlantic Health System, also creating an onsite training program for physicians from multiple specialties, nurse practitioners, and physician's assistant's. Karen has been recognized as “Top Doctor” in Palliative Medicine in both New Jersey and in the Seattle area where she now lives. Her models for communication and understanding patient perspective have been published and shared nationally and internationally. She is a passionate advocate for improving patient experience, and compassion in healthcare. As always, Dr. Orsini keeps his promise about two things, that you will feel inspired, and you will have learned valuable lessons to be a better and more compassionate communicator.One of the biggest problems we have in medicine right now is poor communication between doctors and patients. Effective communication can predict malpractice, prevent medical errors and improve the overall patient experience. Dr, Knops discusses how during her medical training, she realized how hard it was to learn communication skills. She tells us more about the approach she used to help herself. Dr. Knops later developed a communication framework for patients and providers called A-S-C-E-N-D, and she tells us all about it, what it means, and how it can help you patients and doctors. Dr. Orsini and Karen discuss the differences between older generations and Millennials with respect to how they communicate. We end with a communication tip and a great story from Dr. Orsini. if you are an attending physician and you're teaching residents, Dr. Knops leaves us with some great advice about “honoring the role.” If you enjoyed this podcast, please go ahead and hit subscribe on your favorite podcast platform. Go ahead and download this episode now! Host: Dr. Anthony OrsiniGuest:Dr. Karen KnopsSponsor:The Finley ProjectFor More Information:Difficult Conversations I Learned as an ICU Physician Podcast EpisodesThe Orsini WayThe Orsini Way-FacebookThe Orsini Way-LinkedinThe Orsini Way-InstagramThe Orsini Way-TwitterIt's All In The Delivery: Improving Healthcare Starting With A Single Conversation by Dr. Anthony OrsiniResources Mentioned:Karen Knops, MD LinkedinKaren Knops, MD TwitterThe Orsini Way-Podcast-Episode 128-Conversations about End of Life with Karen Knops, MDThe Anticipation Habitanticipationhabit@gmail.com
Bachelor alum Raven Gates Gottschalk is full of wisdom when it comes to preparing for marriage. She opens up about the counseling she and husband, Adam, went through to sort out religious differences and financial and family prior to their spring 2021 wedding. She reveals the filter-free comments Adam has made about her while pregnant and details about when they started "trying". She and Ashley compare their pregnancies (they're only 2 weeks apart!) and Bachelor experiences. Big differences include Raven being adverse to butter and never having thrown up while carrying. Similarities include ADD husband behavior, a love of McDonalds, and a deep appreciation for a certain Bachelor producer. Get 10% off your first month at https://www.betterhelp.com/getit Go to https://glamnetic.com/getit & enter code: GETIT for 30% off your order! More podcasts at WAVE: https://podcasts.apple.com/us/artist/wave-podcast-network/1437831426
O.G. Young American Alec Dent returns to the show for a discussion of No Time To Die: Its Millennial character, whether it succumbed to wokeness, whether modern pop culture will allow the continued existence of James Bond, and more.
Debt, Relationships, Savings, Career As heard on this episode: Zander: https://bit.ly/2Xbn7hD Sign up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started: Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE