Podcasts about Millennials

What's one thing you can take away from this episode and apply today? Holly Ransom is an expert in disruption and future leadership and Glen was so stoked to have a chat with her! They touched on:

IN THIS EPISODE, YOU'LL LEARN: 2:42 - What behavioral finance is and why it has a big impact on one's success as an investor.6:22 - Daniel's most important money lessons and why investors need to get them right.11:03 - Whether money can buy happiness or not.22:24 - Daniel's framework on whether you should pick individual stocks in your portfolio, or just invest in low-cost index funds.30:57 - How to get out of the FOMO mindset and stick to one's investing principles.And much, much more!*Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences.EPISODE RESOURCESGet more FREE content from Robert.Get a FREE audiobook from Audible.Read the 9 Key Steps to Effective Personal Financial Management.Check out our Investing Starter Packs about business and finance.Learn about our Investing Starter Packs on real estate.Daniel Crosby's podcast Standard Deviations.Daniel Crosby's book The Laws of Wealth.Daniel Crosby's book Behavioral Investor.Daniel Crosby's book You're Not That Great.Victor Frankl's book Man's Search for Meaning.All of Robert's favorite books.Related Episode: Overcoming Your Worst Financial Enemy --Yourself w/ Daniel Crosby.Support our free podcast by supporting our sponsors.Read this episode's transcript and full show notes on our website.Connect with Daniel: Website | Twitter Connect with Robert: Website | Twitter | Instagram See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This is Coronavirus 411, the latest COVID-19 info and new hotspots for October 27th, 2021. As expected, FDA advisors unanimously voted to endorse the Pfizer vaccine for kids five to 11. Federal authorization could come in the next few days. The pediatric version would be equal to a third of an adult dose. The panel said the benefits outweigh the risks that include a rare heart-related side effect seen in teens and young adults. Things continue to look rough in Eastern Europe. The daily number of deaths in Russia hit another high yesterday even as most Russians stayed home from work this week. Ukraine and Bulgaria also reported record daily death tolls. In addition to closures, Russian authorities have strengthened enforcement of mask mandates. Further to the west, the Belgian government has reimposed some restrictions that were relaxed just a few weeks ago as hospitalizations increased 69%. In the U.S., emergency rooms are slammed, but not with COVID patients. A secondary health crisis caused by the pandemic are all the people who put off seeking care for other issues, but who are now coming in even worse off. Many wind up on stretchers lining hallways for hours with plenty of noise and foot traffic going by. Here's a story about at least an attempt to return to normalcy. Louisiana is ending its statewide indoor mask mandate after seeing a sharp decline in new infections. However, the Governor is keeping some masking rules in place for the state's K-12 schools. LSU said it's keeping its indoor mask mandate no matter what the state says, and New Orleans indicated it also may not follow the Governor's lead. A report from the American Psychological Association says stress from the pandemic has people struggling to make even small decisions. Almost a third of adults question even basic day-to-day choices like what to eat or wear. It's especially a problem for parents and Millennials. And there are problems making big decisions too, with 61% saying the pandemic has made them question how they've been living their lives. In the United States cases were down 22%, deaths are down 11%, and hospitalizations are down 19% over 14 days. The 7-day average of new cases has been trending down since September 13. There are 9,362,598 active cases in the United States. With not all states reporting daily numbers, the five states with the greatest increase in hospitalizations per capita: New Hampshire 53%, Maine 31%, Vermont 30%, Rhode Island 19%, and Alaska 18%. The top 10 counties with the highest number of recent cases per capita according to The New York Times: Nome Census Area, AK. Goshen, WY. Boundary, ID. Bethel Census Area, AK. Kodiak Island Borough, AK. Kenai Peninsula Borough, AK. Fergus, MT. Matanuska-Susitna Borough, AK. Humboldt, NV. And Stark, ND. There have been at least 738,877 deaths in the U.S. recorded as Covid-related. The top 3 vaccinating states by percentage of population that's been fully vaccinated were not updated so remain: Vermont at 70.9%, Rhode Island at 70.4%, and Connecticut at 70.3%. The bottom 3 vaccinating states are West Virginia at 41%, Idaho at 43.4%, and Wyoming at 43.5%. The percentage of the U.S. that's been fully vaccinated is 57.4%. The five countries with the largest 24-hour increase in the number of fully vaccinated people; Taiwan up 4%, Oceana 2%, and South Korea, Ethiopia, and Australia 1%. Globally, cases were down 1% and deaths were down 2% over 14 days, with the 7-day average trending down since October 22. There are 17,947,016 active cases around the world. The five countries with the most new cases: The United States 69,634. The U.K. 40,954. Russia 36,446. Turkey 29,643. And Germany 20,955. There have been at least 4,962,804 deaths reported as... See acast.com/privacy for privacy and opt-out information.

Augmented reveals the stories behind the new era of industrial operations, where technology will restore the agility of frontline workers. In episode 53 of the podcast, the topic is: Manufacturing Millennials. Our guest is Jake Hall, podcaster, The Manufacturing Millennial and Business Development Manager at Feyen Zylstra, a Grand Rapids, Michigan, US-based systems integrator.In this conversation, we talk about The future generation in manufacturing, how we convince young people as well as how companies can make themselves attractive to this generation, and even more importantly, empowering the existing workforce.Augmented is a podcast for industry leaders and operators, hosted by futurist Trond Arne Undheim, presented by Tulip.co, the frontline operations platform, and associated with MFG.works, the industrial upskilling community launched at the World Economic Forum. Each episode dives deep into a contemporary topic of concern across the industry and airs at 9 am US Eastern Time every Wednesday. Augmented--the industry 4.0 podcast--industrial conversations that matter.After listening to this episode, check out:The Manufacturing Millennial:  https://www.themanufacturingmillennial.com/ Feyen-Zylstre (@feyenzylstra): https://www.feyenzylstra.com/Jake Hall: https://www.linkedin.com/in/jacobrhall/ My takeaway is that Millennials are the key to the future of manufacturing, not just because they are a talent pool needed in the workforce but because they have the right mindset for change which is so beneficial to a manufacturing industry faced with the challenges and opportunities of industry 4.0 or smart manufacturing using digital solutions. Thanks for listening. If you liked the show, subscribe at Augmentedpodcast.co or in your preferred podcast player, and rate us with five stars. If you liked this episode, you might also like episode 11, Empowering Workers to Innovate, episode 3, Reimagine Training, or episode 12, Enterprise Wide Quality of Manufacturing. Augmented--upskilling the workforce for industry 4.0 frontline operations.

Resources/ Mentions:Bigger Pockets Ken McElroy Podcast   Contact:Daniel Johnsondaniel@refocusfp.comWinston Salem "Bigger Pockets Meetup"   PW Gopalpwgopal@pwgopal.compw.gopal@thebluecollarmoney.comthebluecollarmoney.compwgopal.com ** 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 investment.pw.gopal@thebluecollarmoney.com

Subscribe now Give a gift subscription Share Recently Yale Law School (YLS) student Trent Colbert wrote Why I Didn't Apologize For That Yale Law School Email: We must end the culture of performative repentance for Persuasion. I was broadly familiar with the culture-war saga that Colbert was caught up in, having read a piece a few weeks ago in The Washington Post describing how a seemingly innocent and jocular email triggered accusations of racism at YLS (as well as Aaron Sibarium's piece in The Washington Free Beacon). Colbert's in Persuasion made me curious about him, and I reached out to talk about what he had seen, and the lessons that we as a society and individuals might take from it. First, Colbert gives us his own perspective of what transpired at YLS to make him a “trending topic” on social media. Perhaps to the surprise of Millennials, the 23-year-old Zoomer seemed not entirely familiar with the well-known podcast Chapo Trap House. As a member of Gen X, I have to admit it's a little unnerving to hear Millennials viewed as geriatric elders. But Colbert grew up in a world of super-charged cultural change and perhaps perceives the passage of time differently than those of us who came into adulthood before smartphones. He contended that some of the offense others perceived might be a matter of cohort differences and even just his casual Zoomer manner. Even a few years' difference today might mean an entirely alternative landscape of memes and sensibilities, so a subtle and wry reference among his age-mates could strike an individual only a few years older as offensive, opaque and “tone-deaf.” With that in mind, I was curious about his background, and where he got the strength to stand up to the YLS administrative bureaucracy. We explored his relationship to his Cherokee background, as well as growing up in a moderately conservative household where religion was important. Colbert takes the idea of right and wrong seriously, and he felt that his own conscience would not allow him to agree to an apology that was premised on lies. Importantly, he also had a supportive group of friends at YLS and a wider circle of backers in the community. Eventually, we moved to broader social forces, and how his individual choices and decisions might impact others. By doing the right thing, rather than the easy thing, Colbert hopes to show that it is possible to defeat the kind of bureaucratic machine that was unleashed upon him and trigger a preference cascade that changes the culture on campus. And doing the right thing has not been entirely easy, as Colbert admits to being uncomfortable with realizing how others at YLS viewed him purely through a racial lens, as well as the fact that many prominent organizations accused him of being a racist. Overall, perhaps the take-home lesson is that it doesn't take an exceptional person to take on the system. Just someone who has a core set of principles and friends and family who support them when they might have to make decisions that lead to socially unpopular outcomes. Subscribe now Give a gift subscription Share

Dave Chappelle Speaks Out in Wake of Netflix Stand-up Special Backlash: 'I Said What I Said' (PEOPLE) Tarek El Moussa and Heather Rae Young Are Married: 'The Love I've Always Dreamed of' (PEOPLE) Katie Thurston and Blake Moynes break up after 'Bachelorette' engagement (Page Six) Former 'Bachelor' host Chris Harrison engaged to Lauren Zima (Page Six) Why Kristen Stewart Says She's Made Only "Five Really Good Films" (E! Online) Dear Toasters Advice Segment The Morning Toast with Claudia (@girlwithnojob) and Jackie Oshry (@jackieoshry) Merch: https://shopmorningtoast.com/ The Morning Toast Patreon: https://www.patreon.com/themorningtoast Girl With No Job by Claudia Oshry: https://www.girlwithnojob.com/book

John and Craig check character blindspots, looking at how ‘over-security' drives characters to humor and heartbreak. We also discuss natural structure: how certain events (weddings, sports, school) can create narrative scaffolding. The death of cinematographer Halyna Hutchins on the set of Rust has the industry talking about safety. Craig explains the protocols for guns on sets, while John urges decision-makers not to over-focus on the blanks-versus-vfx debate. More crew members die driving home from sets than on them. In our bonus segment for premium members, we discuss work-life balance and the myths of time management. Links: Rust Movie Set Shooting Netflix to Change How It Measures a Title's Viewers Post-‘Squid Game' There Is No Such Thing as Bragging Too Much About a Kidney Donation Episode 480, The Wedding Episode The Premise by BJ Novak College Degrees are Overrated What is the Financial Value of my Degree? Kids These Days: The Making of Millennials by Malcolm Harris (not the Kids are Alright!) Get a Scriptnotes T-shirt! Gift a Scriptnotes Subscription or treat yourself to a premium subscription! Craig Mazin on Twitter John August on Twitter John on Instagram Outro by Andrew Ryan (send us yours!) Scriptnotes is produced by Megana Rao and edited by Matthew Chilelli. Email us at ask@johnaugust.com You can download the episode here.

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Rate & review the Simply Financial Podcast on ITunesSpecial Guest: Steven Calandra, VP Nationwide Retirement InstituteSteven Calandra CLTC, RCC, CHSA, joined Nationwide in January 2015 with more than 15 yearsof financial industry experience. As a Vice President for the Nationwide Retirement Institute, Stevenis dedicated to educating financial professionals, clients, plan sponsors and plan participantsabout the latest in retirement income planning trends. He focuses on implementing practical andcomprehensive retirement income solutions as well as stimulating the thinking and actions ofprofessionals as they navigate the changing world of retirement. Steven annually addresses thousands of financial professionals, clients and plan participants, carefullycustomizing his sessions to meet the needs of each group. His areas of focus include Social Securitybenefits, Medicare coverage, long-term care and retirement income planning. Steven's polished style,engaging message and proven ability as a consummate business professional assures a top-notchengagement every time. Prior to Nationwide, Steven worked as a Consultant and Regional Wholesaler for Terra CapitalMarkets in the Mid-Atlantic region and worked as a Regional Marketing Director for AIG SunAmericain its independent broker-dealer channel covering the Northeast. Earlier in his career, he wasgroomed at American Skandia, where he distributed variable annuities, mutual funds, qualified plansand variable life insurance. He has vast experience managing, coaching and motivating teams andhas helped develop core product marketing. Steven Calandra's Full BioVisit: https://www.nationwide.com/

If you've ever wondered if your gut and your brain are related, you're in good company. My guest today, Evan Transue, is going to connect the dots for us by sharing his own mental and physical health story. Evan walks us through his childhood experience to highlight areas of opportunity where things could have been done differently for better outcomes. I think this method of teaching is brilliant, because it's highly relatable (there will be moments where you might think to yourself- of yeah I've been there) and it helps us to pinpoint the kinds of moments we have control over so we don't make the same mistakes for our future generations. You'll walk away from this episode with a better understanding of Underlying stressors that contribute to mental health problems in kids. How to recognize the signs- Evan was able to "fake it" and fool everyone around him into thinking he was OK, but if those around him knew what to look for, I don't think it would have been difficult to see that he wasn't. The connection between physical and mental health. Strategies for addressing the root cause of these issues How to empower both yourself and future generations. You can find evan: evantransue.com (for speaking services and his book). @evan_transue on Instagram (mental health and motivational content) Evan's podcast: FDN Thrive Podcast Want to see who is coming on next and have the chance to submit questions? Join my private FB community. ION* Gut Support: Get a FREE 3oz bottle with your purchase of a 32oz bottle using the code HOLISTICHOUSE. Make sure to put both items in your cart before checking out! The 3oz bottle isn't automatically added, you have to manually add it to your cart. --- Support this podcast: https://anchor.fm/stephanie-center/support

On today's episode of Spectacular Vernacular, hosts Nicole Holliday and Ben Zimmer talk about Anthony Fauci's old-school Brooklyn accent. They also interview Sylvia Sierra about her new book Millennials Talking Media: Creating Intertextual Identities in Everyday Conversation. And finally, Rachelle Hampton and Madison Malone Kircher, the hosts of ICYMI, Slate's podcast on internet culture, stop by for some world wide web wordplay. We hope you're ready! You could win a year's membership to Slate Plus. Do you have any language questions or fun facts to share? Email us at spectacular@slate.com.   Produced by Jasmine Ellis.  Here are some notes and references from this week's show: Anthony Fauci on ABC's This Week Trailer for the National Geographic documentary Fauci Nautilus, “Why Working-Class New Yorkers Drop Their ‘Rs' ”  Sylvia Sierra's new book Millennials Talking Media: Creating Intertextual Identities in Everyday Conversation  The ICYMI back catalog Subscribe to Slate Plus. It's only $1 for the first month. To learn more, go to slate.com/spectacularplus. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we talk about seven things we should be saying consistently in our relationships--> "I love you," "I support you," "How was your day?" "What do you think?" and so much more!!!  Turn us up, and if you have a moment-- FOLLOW US ON INSTAGRAM @sumitupsumners. Like, comment, and SHARE!   ALL links: https://linktr.ee/admin*Sponsor*Beautiful Briny Sea: https://www.beautifulbrinysea.com/

Episode Summary: In this episode of Support is Sexy, Elayne Fluker invites Amber Aziza, Founder and CEO of AAE Corporation which helps companies adjust to the new normal by transforming their workforce into “engaged, happy, and productive teams”, that are in concordance with the companies' culture and values. Amber talks about how in the new times, where marginalized groups are becoming more visible, companies have to respond to this change not by bringing a void of support that is merely for the company image, but by making their workforce and company values more inclusive. Amber tells us how her corporation helps other companies stand for what they believe is right, and how this change in the company's culture helps create a workforce that cares genuinely for their work. About our Guest Amber Aziza, Founder and CEO of AAE Corporation, which houses multiple subsidiaries, has made it her life's work to provide innovative organizations with expert solutions. After over 10 years, Amber had graced the teams of AIM Healthcare, OptumInsight, Advance Financial, and more. She left the corporate arena to begin her own business, The AG, a firm dedicated to bridging the gap between Millennials and the corporate workspace. After selling The AG's book of business, Amber began building Amber Aziza Enterprises, a conglomerate of companies dedicated to help small business owners and venture capitalists. It wasn't long before she missed the excitement of the “people side of business” and shifted her focus back to transforming workforces, changing Amber Aziza Enterprises' name to AAE Corporation.  Insights from this Episode What is the new normal nowadays? How strong is the commitment for diversity from leaders of organizations Steps for constructing a more inclusive company How Amber's Corporation helps other companies be more inclusive How a leader can generate a more inclusive work environment on the daily basis of the company Difference between equity and equality Stay Connected: Amber Aziza Instagram: Amber Aziza Facebook: Amber Aziza LinkedIn: Amber Aziza Twitter: Amber Aziza  Website:https://amberaziza.com/ AAE Corporation Website: https://www.aaecorporation.com/new-aaehome LinkedIn: https://uy.linkedin.com/company/aae-corporation Elayne Fluker Instagram: @elaynefluker LinkedIn: Elayne Fluker Support is Sexy Instagram: @supportissexy Subscribe to Support is Sexy + download each episode on Spotify and ‎Apple Podcasts   This episode was produced and managed by Podcast Laundry. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Intentional. Present. Close to God. We want these things and we strive for them each day. Where does social media and phone use fit into this? And is social media a good use of our time? Listen in to a genuine conversation with yours truly, and Bethany + Corey from The Millennial Mission Podcast as we explore these questions together. This is a thought-provoking and encouraging conversation, lovely lady. May it bless you and get you thinking. Here's to living intentionally and for God! XOXO Stephanie EMAIL BETHANY + COREY —> bethany@millennialmission.co LISTEN TO THE MILLENNIAL MISSION PODCAST —> https://podcasts.apple.com/us/podcast/the-millennial-mission-podcast-parenting-personal/id1470339924 CONNECT WITH STEPH —> bit.ly/monthlyhappymail ☺️ EMAIL STEPH —> 500secondstojoy@gmail.com

If you want to make changes with your money you have got to understand the messages your brain is sending out. Did you know that your brain can literally make or break your financial success? You could be capsizing your “money boat” just by the way you are thinking. We're going to change that in this episode. Our guest, Ariel Garten is a neuroscientist, mom, former psychotherapist, former fashion designer (which she says is not the best business idea, and co-founder behind the start-up Muse. Muse tracks your brain during meditation to give you real-time feedback - more on that later. Ariel is here to help demystify what is going on in your brain, how you can reprogram limiting beliefs and thoughts in a healthy way, the benefits of mediation for your money, and so much more.LinksMuseMuse mobile appAriel Garten on LinkedInEpisode SponsorsGo to http://www.Ladderlife.com/mymoney to see if you're instantly approved for life insurance to provide for your family if the unthinkable happens. Start your 100-day trial and shop the entire Away lineup of travel essentials, including their best-selling suitcases at http://www.away.com/mymoney. Masterworks.io is the only platform that lets you invest in multimillion-dollar paintings by iconslike Basquiat, Banksy, and Harring without breaking the bank. To get priority access to their offerings go to http://www.masterworks.com/mymoney. Go to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify's entire suite of features.Right now, my listeners can get a bonus of $25 in crypto after you make your first purchase with BlockFi's Bitcoin Rewards Credit Card, when you sign up at blockfi.com/MYMONEY.FOLLOW & SHARELove this episode? Share it with a few friends so they can learn these valuable money concepts as well.Be sure to FOLLOW and SUBSCRIBE to never miss an episode bit.ly/millennial-money Sign up for my weekly Let's Talk Money email newsletter https://bit.ly/letstalkmoneyemail Shannah Shares: Community Q&AHave a Shannah Shares question, submit it here https://www.mmoneypodcast.comFollow Me Here for More Money TipsShannah on Twitter https://twitter.com/shannahgameShannah on Instagram https://www.instagram.com/shannahgame/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Have you ever found yourself wishing away a difficult or uncertain season in order to arrive at your dream destination?What if we told you that those difficult seasons are where the good stuff happens and without them, you would never become the person you were designed to be?Today we are sharing an incredible conversation that we had with Ken Coleman and we are diving into the above questions and more. Ken is a best selling author, nationally syndicated radio host, part of the Dave Ramsey network, and his passion is to help others figure out what they are born to do so that they are equipped to make their dreams become a reality.Whether you're a college student, entrepreneur, retiree, or a stay at home mom, Ken's insight will give you the tools that you need to get clear on your calling so that you can start living your days with absolute intention.Life's too short to go through the motions and wish away the days. Listen today to hear more!Episode Highlights: A little on Ken's background and how he got to where is today.How to pivot paths with grace and intention.The tension between patience and persistence and how to navigate that.The art of relationship building.More on Guest:Get From Paycheck to Purpose HEREwww.kencoleman.com Listen to The Ken Coleman Show HereFollow Ken 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: bethany@millennialmission.co

BOBBY JEFFRIES (R-PA) U.S. Senate Candidate  - Patriots In Tune Show - Ep. #476 #TuneIn2InTune with

Glen and John discuss the latest news surrounding BNPL and a crypto ETF that may be hitting the market and a few questions from the m3 community. They touch on:

IN THIS EPISODE, YOU'LL LEARN: 11:05 - What is a mobile home park and what investing strategy is used when this is implemented?16:04 - What is the difference between park-owned homes and tenant-owned homes?17:27 - How to use rent-to-own financing to eliminate maintenance and repair costs, motivate tenants to take better care of the property, and allow people to get started without a lot of money.21:32 - How is Jonathan choosing the markets he's interested in purchasing, what specific data points or metrics does he look for, and how is he tactically finding cities that meet those criteria?22:42 - In terms of raising capital, why did he decide to limit his investor pool to only accredited investors, who are able to invest a minimum of $450,000 and where did he come up with that amount? And much, much more!*Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences.EPISODE RESOURCESGet more FREE content from Robert.Get a FREE audiobook from Audible.Read the 9 Key Steps to Effective Personal Financial Management.Check out our Investing Starter Packs about business and finance.Learn about our Investing Starter Packs on real estate.Jonathan Tuttle's website Midwest Park Capital.Sam Zell's book Am I Being Too Subtle?Matt Faircloth's book Raising Private Capital.Michael Blank's book Financial Freedom with Real Estate Investing.Antoine Martel's book A Millennial's Guide to Investing in Cash Flowing Rental Properties.Ramit Sethi's book I Will Teach You To Be Rich.Find great markets to invest in with Wiserei.Real estate education platform BiggerPockets.All of Robert's favorite books.Support our free podcast by supporting our sponsors. Read this episode's transcript and full show notes on our website.Connect with Jonathan: Website | InstagramConnect with Robert: Website | Twitter | Instagram See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On today's episode of Mother Daughter Connections™, I'm having a Daughter Chat™ with a millennial daughter, my "god-niece," Elizabeth Johnson.   Elizabeth and I discuss … Her life as the oldest (& only) daughter of my best friend from college. Leadership & life as a millennial daughter How to navigate mother-daughter relationships through similarities and differences in personality.   … and LOTS more!! __________________________________ To Connect with Elizabeth… Via Email: Eliz.Johns20@gmail.com   ___________________________________ Want To Have Meaningful Conversations With Your Daughter? FIRST! Grab your FREE COPY of the ↓ Quick Guide To Lesson Arguments ( https://bit.ly/lessarguments)   THEN CLICK HERE TO Watch The Video To Learn How To Get Your Daughter Talking Now At https://GetYourDaughterTalkingNow.com Until next time…   Let's Stay Connected :)   Dr. Michelle Deering   ©Dr. Michelle Deering | All rights reserved.

This episode features industry legend Scott O'Neil.  In his most recent role, Scott was the CEO of Harris Blitzer Sports and Entertainment, overseeing the New Jersey Devils and the Philadelphia 76ers.  Prior to that, he held positions of Senior Vice President of the NBA's Team Marketing and Business Operations division and President of Madison Square Garden Sports.  Throughout the podcast, Scott charmed us with stories as he and David dive into a number of insights that influenced his career and became the foundation for his new book, “Be Where Your Feet Are: Seven Principles to Keep You Present, Grounded and Thriving.”  Show Notes3:23  Putting Life in Perspective from Mozambique7:31  Scott's Favorite Insight - “Assume Positive Intent”10:11  Instilling Positive Intent into Your Culture17:06  Balancing Accountability and “The Best Work Environment”  18:58  How to Fire Someone Gracefully21:28  Millennials' Social Contract24:25  Creating a Hybrid Work Environment26:19  Building Culture and Connections in a Hybrid Work Environment29:01  Defining the “Greatest Place to Work”30:14  The Thin Line Between Work and Home34:38  Developing Staff Personally and Professionally39:01  You Can't Manage for the Masses40:25  Maintaining An Attitude of Gratitude When the Team Isn't Winning48:54  Parting Advice----For More on Topics Referenced in This Episode:For more insights on being present, passionate and intentional, grab Scott's book: Be Where Your Feet AreTed Lasso | Leadership Lessons from Ted Lasso -----Connect with Scott on LinkedIn or Twitter-----Want more from EngageMint? Subscribe to our newsletter

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.

This week the girls ramble about truly first world problems. They talk conversations overheard at the nail salon, what side you should sleep on, what genuinely happens at the dry cleaners, post office woes, and elephant pregnancy. Oh! and where are all the hot guys on planes? Go to https://glamnetic.com/getit & enter code: GETIT for 30% off your order! Go to https://nutrafol.com & use code: GETIT to save $15 off your first month's subscription!  Go to https://www.zocdoc.com/getit & download the Zocdoc app to sign-up for FREE & book a top-rated doctor! More podcasts at WAVE: https://podcasts.apple.com/us/artist/wave-podcast-network/1437831426

In this episode, I'm covering everything you need to know about Health Savings Accounts, aka HSAs. This episode was inspired by six listeners who all wanted to know if they should have an HSA. Also, there are a lot of questions about what exactly is an HSA, how does one work, and how can you use it. I'm covering it all, including a conversation with Rida Wong from hsastore.com.LinksHsastore.comHealth Savings Account 101Episode SponsorsStart your 100-day trial and shop the entire Away lineup of travel essentials, including their best-selling suitcases at http://www.away.com/mymoney. Masterworks.io is the only platform that lets you invest in multimillion-dollar paintings by icons like Basquiat, Banksy, and Harring without breaking the bank. To get priority access to their offerings go to http://www.masterworks.com/mymoney. Go to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify's entire suite of features.Right now, my listeners can get a bonus of $25 in crypto after you make your first purchase with BlockFi's Bitcoin Rewards Credit Card, when you sign up at blockfi.com/MYMONEY.FOLLOW & SHARELove this episode? Share it with a few friends so they can learn these valuable money concepts as well.Be sure to FOLLOW and SUBSCRIBE to never miss an episode bit.ly/millennial-money Sign up for my weekly Let's Talk Money email newsletter https://bit.ly/letstalkmoneyemail Shannah Shares: Community Q&AHave a Shannah Shares question, submit it here https://www.mmoneypodcast.comFollow Me Here for More Money TipsShannah on Twitter https://twitter.com/shannahgameShannah on Instagram https://www.instagram.com/shannahgame/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

“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: hello@coachingwithjosemiguel.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.

Contact Gulcan: gulcan@heartforwomen.euDonate to Heart for WomenSupport this podcast - Leave a review

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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???

IN THIS EPISODE, YOU'LL LEARN:3:45 - What is Bitcoin?5:36 - Why is Bitcoin the winner in the cryptocurrency space?23:56 - How money has evolved over time and led to Bitcoin.36:11 - What is the current macroeconomic landscape like? And much, much more!*Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences.EPISODE RESOURCESGet more FREE content from Robert.Get a FREE audiobook from Audible.Read the 9 Key Steps to Effective Personal Financial Management.Check out our Investing Starter Packs about business and finance.Check out our Investing Starter Packs about real estate.Saifedean Ammous' book The Bitcoin Standard.Ben Mezrich's book Bitcoin Billionaires.Experts to Follow: Plan B, Trace Mayer, Caitlin Long, Adam Back.Mayer Multiple Website, Mayer Multiple Twitter.Plan B's white paper: Modeling Bitcoin's Value w/ Scarcity.The highest-ranked Bitcoin authorities.David Swensen's book Unconventional Success.David Swensen's book Pioneering Portfolio Management.All of Robert's favorite books.Support our free podcast by supporting our sponsors.Save with a credit union that helps you build financial confidence with Navy Federal Credit Union.Trade confidently with BMO adviceDirect. Start trading today with personalized advice with a minimum of just $10,000.Track performance, create custom watch lists, and trade from anywhere with confidence with a BMO InvestorLine Self-Directed account.Transform how you drive business results and connect with customers with Snap AR.Make it simple to hire and manage remote employees across all 50 states with Justworks.Invest in high quality, cash flowing real estate without all of the hassle with PassiveInvesting.Design like a pro with Canva Pro! Get your FREE 45-day extended trial today.Start investing in cryptocurrency today with as little as $10. Just go to altoira.com/investing.Learn more about how you can get started investing in some of the best cash flow markets today with Rent to Retirement.Read this episode's transcript and full show notes on our website.Connect with Pomp: Website | Twitter| LinkedIn Connect with Robert: Website | Twitter | InstagramSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

I know I've shared this with you before, but I bought my first house at 24 and honestly, had no idea what I was doing and probably had no business buying a house then. We just barely made the money work, which is never the best idea. But, here I am. It worked out ok. I want different for you. Our guest, real estate expert, Marina Shiferman, is changing the real estate game for everyone, women in particular. In this episode, Marina shares the insider secrets you need to know to buy and sell real estate, how to start investing in real estate, and everything from soup to nuts about the buying process and working with a realtor.About MarinaMarina and The Queen Team are a billion-dollar real estate team. You might call them the Real Estate Queen Dream Team because we can help you buy a home anywhere in the world, really.She is a proud homeowner (a few times over) and founder of The Real Estate Queen Academy where she teaches women how to buy and own real estate correctly and with confidence, from the big ideas and concepts down to the specific steps and strategies. She will not rest until all women become empowered homeowners and there are more badass women role models.LinksMarina's websiteNeed a realtorReal Estate AcademyEpisode SponsorsMasterworks.io is the only platform that lets you invest in multimillion-dollar paintings by icons like Basquiat, Banksy, and Harring without breaking the bank. To get priority access to their offerings go to http://www.masterworks.com/mymoney. Go to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify's entire suite of features.Right now, my listeners can get a bonus of $25 in crypto after you make your first purchase with BlockFi's Bitcoin Rewards Credit Card, when you sign up at blockfi.com/MYMONEY.Make it the year you finally cross life insurance off your list, and get protection for your loved ones. Go to http://www.policygenius.com and get started. You could save 50% or more by comparing quotes and start the new year with one less thing to worry about.FOLLOW & SHARELove this episode? Share it with a few friends so they can learn these valuable money concepts as well.Be sure to FOLLOW and SUBSCRIBE to never miss an episode bit.ly/millennial-money Sign up for my weekly Let's Talk Money email newsletter https://bit.ly/letstalkmoneyemail Shannah Shares: Community Q&AHave a Shannah Shares question, submit it here https://www.mmoneypodcast.comFollow Me Here for More Money TipsShannah on Twitter https://twitter.com/shannahgameShannah on Instagram https://www.instagram.com/shannahgame/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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

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 alexandra@anxiousmillennial.ca. 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).

Contact Andrea: andrea.jenkins@wealthwave.comSupport this podcast - Leave a review 

Can our media rise to meet the dangerous moment we are in? Journalist Charlie Warzel joins Charlie Sykes on today's podcast. Special Guest: Charlie Warzel.

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!

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.

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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

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