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Businesses say they're hopeful the A-triple-C's probe into supermarket prices will improve competition across the regions.  The Business Council of Co-operatives and Mutuals submission to the inquiry is encouraging the probe to look into regional business models.  Rural Reporter Georgia Kondek spoke to the BCCM Chief Executive Melina Morrison about its submission to the probe. See omnystudio.com/listener for privacy information.

On this week's episode, I have influencer/creator expert Taylor Lorenz. Tune in as we talk about her book, “Extremely Online: The Untold Story Of Fame, Influence, And Power On The Internet” as well as her experiences working as a journalist for “The Washington Post” and “The New York Times”. We also dive into some tidbits she has about social media.Show NotesTaylor Lorenz on Instagram: https://www.instagram.com/taylorlorenz/?hl=enTaylor Lorenz on TikTok: https://www.tiktok.com/@taylorlorenz?lang=enTaylor Lorenz on YouTube: https://www.youtube.com/channel/UCp38w5n099xkvoqciOaeFagMichael's Online Screenwriting Course - https://michaeljamin.com/courseFree Screenwriting Lesson - https://michaeljamin.com/freeJoin My Newsletter - https://michaeljamin.com/newsletterAutogenerated TranscriptTaylor Lorenz:These old school entertainment people come on and they don't really understand the app and they clearly are not doing it themselves. They have some content assistant and then they're like, Hey kids, I guess I have to be here now. And it's like, what are you doing here? I will say the musicians do a better job. Megan Trainor has Chris Olsson, but TikTok buddy that, and music is such a part of TikTok, I feel like they get a warmer reception.Michael Jamin:You're listening to, what the Hell is Michael Jamin talking about? I'll tell you what I'm talking about. I'm talking about creativity, I'm talking about writing, and I'm talking about reinventing yourself through the arts.Hey everyone, what the hell? It's Michael Jamin talking about today. I'm going to tell you what I'm talking about. So for those of you who have been listening for a long time, I'm always telling you, just put your work out there. Get on social media, start making a name for yourself, because whether you want to be an actor or a writer or director, you got to bring more to the table than just your desire to get a big paycheck and become rich and famous. If you can bring a market, if you can bring your audience you're going to bring, that brings a lot to the table. And so my next guest is an expert on this, and she's the author of Extremely Online, the Untold Story of Fame, influence and Power on the Internet. I'm holding up her book. If you're watching this podcast, if you're driving in the car, you can imagine that there's a book and has a cover. So please welcome, pull over your car and give a round of applause to Taylor Lorenz. Thank you Taylor for coming and joining me for talking about this. It's an honor meeting you finally.Taylor Lorenz:Yeah, likewise. Excited to be here.Michael Jamin:So you wrote this great book, which I read, and there's so much, I guess there's so much. You actually document the history starting from the beginning of mommy bloggers and all these people who kind of were at the forefront and then built a name for themselves on social media. And so I'm just hoping to talk to you about how we can take some of this information and apply it to the people who listen to my podcast and follow me on social media so that they can help do the same. So I guess starting from the beginning, what was interesting that you pointed out is that women were kind of at the forefront at this whole thing. You want to talk about that a little bit?Taylor Lorenz:Yeah, definitely. I mean, I talk about this in the book, but in the turn of the millennium, the early aughts, this blogging was taking off and there were tons of blogs, and I talk about some of the big political and tech blogs at the time, but it wasn't really until the mommy bloggers entered onto the internet in the early aughts who were these moms, these stay at home moms that really had nothing else to do. A lot of them were shut out of the labor market, and they turned to blogging and ended up really building their own kind of feminist media empires by building audiences. And they were the first to really cultivate strong personal brands online and then leverage those personal brands to monetize.Michael Jamin:And you're right about, I remember this may have been 10 years ago or maybe longer, one of my friends, our screenwriter, she developed a TV show on these mommy bloggers. And I'm like, wait a minute. And there was a couple of people who did that. Max Nik, who was a guest on my podcast a while, a couple weeks ago, same thing. He wrote a show based on shit my dad says, but it's on a Twitter feed and there's all these people. It's so interesting. I was a little late to the game in terms of Hollywood exploiting all these markets, these people who are making names for themselves. Lemme back up for a second though. Why did you decide to even write this book?Taylor Lorenz:Yeah, so I started covering this. I started as a blogger myself a little bit later.Michael Jamin:What were you blogging?Taylor Lorenz:I was blogging about my life, a lot, about my life and a lot of about online culture stuff. I thought that the mainstream media was really bad at covering the internet, and so I thought, I'm going to write about the internet. This was when I was young millennial, right out of college.Michael Jamin:You were writing about your personal life?Taylor Lorenz:Yes.Michael Jamin:Okay. So that's a whole different thing. You're opening yourself up to everything. And was there any, I know I'm jumping around here, I guess I have so many questions, but I don't know, was there backlash from that? Were there repercussions? Because we're talking about people do this. What's the backlash?Taylor Lorenz:Well, this was like 2009, so it was such a different internet, and I'm so grateful, honestly, that I was blogging in that era and not this era because I think I didn't get a lot of backlash. I had a great community. I met some of my best friends, were other bloggers from that era. I became very popular on Tumblr for my single serving like meme, like blogs. So yeah, I think when you're young, you're just kind of trying a lot of different things out. I didn't know what I wanted to do out of college. I'd never studied journalism. I didn't know I was working at a call center and just became popular on the internet and then was like, I guess I'm pretty good at thisMichael Jamin:Stuff. Really? I didn't know that about it. You have a pretty big following on TikTok and Instagram as well, which is so weird because you're writing about something that you are also participating in. I mean, it's almost meta how you are, what you're talking about. No,Taylor Lorenz:Yeah. I mean, I started, had I been able to monetize my blog nowadays, content creators on TikTok, they can monetize in 2009, 2010, couldn't, the best that you could hope for was one of those book deals that Urban Outfitters. Right?Michael Jamin:ButTaylor Lorenz:You couldn't really leverage it into much. I ended up just leveraging it into a career in media, which has been fun. ButMichael Jamin:See, this is what's interesting to me because right now you see so many people on social media, how do I monetize this? Meaning ads or even sponsorships, but there's other ways to monetize outside of brand deals or views on YouTube getting used. So yeah, there's a whole, I don't know. Do you think that's a large percentage of people on the internet? It seems like to me most are doing it to monetize for the brand deals. What's your take on it?Taylor Lorenz:Yeah, I think now that you can monetize in that way, a lot of people, that's their end goal. I'm kind of glad. I mean, it's a double-edged sword. Who knows what I could have done if I was able to monetize, but I'm really glad actually that you couldn't, because I think myself and a lot of other bloggers, we ended up going in a lot of different ways and entering into a lot of media type of jobs that, yeah, I mean would've never gotten otherwise. And I've learned how to be a journalist and I've gotten all these opportunities and my whole career from just experimenting and having fun online. So yeah, I think I always tell people, it's great if you can monetize, get the bag. If somebody comes to you offering you thousands of dollars, why not? But I think it's really good to take that virality and leverage it into, I like what Kayla Scanlan does, or Kyla, she's the economics YouTuber, and she gives all these talks about econ now, and she has a newsletter, and she's able to just do a lot more. It's not just doing a bunch of brand deals online. It's like using it to launch a career and whatever you want to have a career in.Michael Jamin:Yeah, see, I see. That's the funny, I think it's so smart what you're saying. I see some people, I'm like wondering, what's your end game out of this? Is it just to, but what you're saying is the end game, it's interesting. The end game is to do something else. And I wonder if that's what's going on with Hollywood people when I'm encouraging people to, I don't know, put theirselves out there with their art, their writing their music or whatever in my mind, to build an audience following to basically, so you can do the next thing. But I'm wondering how often that if you see that happening for people,Taylor Lorenz:I think the smart ones do recognize it. I feel like the internet, you're just hopping from lily pad to lily pad a lot of the time, which I know that's how a lot of creative people feel. It's just like, I think internet fame in itself can be a goal. I mean, look, someone like Mr. Beast, you've done it. You crack the code. Most people are not going to reach that level. And so it makes a lot of sense. If you're really into food, you're making food content, use that to open your own restaurant or food line or whatever, but use it to go into something that you're interested in because then you still, you always have that online audience. I still have my online audience. I have people that have followed me for a decade and maybe they know me from my blog or I had a Snapchat show in 2016 or things that I've done over the years, but it's always in service of my broader career.Michael Jamin:And so Well, maybe tell me what that is. Do you have a broader goal ahead of all this? Other than getting a book, which is pretty impressive.Taylor Lorenz:I know. I never thought I would write a book. And then just, there was a lot of revisionist history once the pandemic hit in 2021 and all these venture capitalists were pouring money into the content creator world, and TikTok was taking off. People were just kind of like, they were rewriting history. And I was like, I'm going to write the definitive history. I've been around for this. And I always thought it would be interesting to write a book. I didn't know anything about the publishing industry, except I have a couple friends that did those Urban Outfitters typeMichael Jamin:Books. That's so funny.Taylor Lorenz:See,Michael Jamin:Oh, go ahead. I don't cut you off. So your broader goals. Oh, yeah.Taylor Lorenz:I love media. I love media. I want to keep working in media. I love creative sort of endeavors. I like writing. I make videos as I am very obsessed with news media, so I wantMichael Jamin:To, right. So maybe more of that. There's a couple of things in that book, in your book that kind of took me a little bit by surprise. One is there are, well, first of all, I think there are people who make content. This is just my opinion, their content's a little disposable. And so you spoke about people who, I don't know, it's like pranksters who they got to keep upping the prank until it comes to a point where this one woman you're talking about, she was sick to her stomach with the pressure of having to come up with something all the time. And to me, it felt like that's because you're making, I guess I have a rule. I have a rule. I was like, I don't want to spend more than 10 minutes a day on this. But there are people who spend on posting, but there are people who put way a lot of time and pressure on this, and it winds up destroying themselves, don't you think?Taylor Lorenz:Oh, a hundred percent. I mean, there's a whole bunch of that in my book of just the burnout. And I think, like you said, it comes from just making content for content's sake and feeling like it's an extra burden and giving it, it's also when it's your whole livelihood, the stakes become higher. That's why I say you should diversify a little bit.Michael Jamin:Yeah. There was another, the thing that really surprised me that I learned from your book, because I'm a little older, so I don't really know all this stuff, but there's a whole culture of content creators who their job is just to talk shit about other content creators.Taylor Lorenz:And I'm like,Michael Jamin:Oh my God. And I've witnessed some of this stuff, but I didn't realize it's really a thing, like a gossip. They're just gossipers, right?Taylor Lorenz:Yeah. They basically have replaced tabloid news for the internet, and yeah, it's a huge drama channel industrial complex online that you're lucky if you've not encountered.Michael Jamin:Yeah. And do they go anywhere with, what do you think is the end game for them?Taylor Lorenz:Well, I mean, the woman that runs DUIs, which is more of a blind item, celebrity news page, she has a podcast. She also, she wrote a novel kind of based around the content. Others like Diet Prada have really successful newsletters. A lot of the other commentators like Keemstar and stuff, their goal is just to basically run these media empires of gossip, kind of like a TMZ for the internet.Michael Jamin:And then how are they further monetizing though?Taylor Lorenz:They monetize through partnerships and brand deals and a lot through YouTube ads. They get a lot of views. A lot of them get a lot of views on YouTube.Michael Jamin:See, I just turned, maybe I'm crazy, but I turned down a brand deal today because I thought, I don't know, it doesn't align with anything that I stand for. And I was like, am I crazy for turning this down? Or I don't know. But have you get approached by things that, are you turning stuff down?Taylor Lorenz:Well, yeah, I have to turn down so much stuff. I'll never forget a tech company, which I will not name, offered me $60,000 to do three video, three audio chat rooms for them.Michael Jamin:What is an audio chat room?Taylor Lorenz:Like? A live chat type thing? It was going to be like three hours of work. And obviously I couldn't do it because I can't take on sponsored content. I'm a journalist. You can't do that, especially not with a tech company. But I have to say that one really made me question my career choices. Normally people are like, can you promote X, Y, Z? And I explained that I don't do.Michael Jamin:So there's nothing that you can promote a journalist. There's nothing.Taylor Lorenz:I mean, I could theoretically probably promote companies that I don't cover, but I don't really want to, I don't need to make $500 promoting a mop.Michael Jamin:Right, right. Yeah, it's so interesting. You have to protect what you, it's so odd because I don't see a lot of people making brand when I'm scrolling through my pages for you a page on TikTok, I don't see a lot of people making brand deals, but I guess they are, right? Am I not seeing it?Taylor Lorenz:Yeah, the branded content doesn't always live on TikTok. A lot of times they'll create whitelisted content that the brand then promotes in a TikTok ad.Michael Jamin:Wait, when you say white, okay, explain this to me. So whitelisted means the creator. Go ahead.Taylor Lorenz:The creator creates branded content, but it doesn't necessarily live on their feed. They create it for the brand, and then the brand will use that video they made to the creator, like, wow, I love my air stick selfie thing. They'll run ads. So it's using that creator's likeness in the ad. It's the video that they made, but you're not going to see it on their page. You're going to see it in the,Michael Jamin:But do they not put it on their page or you're not going to see it? No one's going to watch it.Taylor Lorenz:Sometimes they do put it on their page, sometimes they don't. I mean, all of these are negotiated in the terms of the ad deals, which are structured increasingly in complicated ways. But I mean, there's a lot of spun con on TikTok. Also, sometimes there's product placement on TikTok. You'll see people doing videos with certain products. Sometimes the products have paid to be in their,Michael Jamin:And they have to mention this, right? They have to, I wasn't aware of this, but theoretically, yes, theoretically. But you're saying they don't always mention it. They don't always say, this isTaylor Lorenz:The sponsor. So the FTC says Yes, and I write about that decision in 2017 when they had to do that. The thing is that a lot of times they can get away with not saying it because it's not directly sponsored. For instance, you could have a long-term, year long partnership with the brand. They could be giving you tons of free product, but they didn't directly pay you for that post. So you feel like, oh, I don't have to disclose it,Michael Jamin:But they paid you for something. I mean, that doesn't make sense. They paid you. It's totally great. Okay. Yeah. ButTaylor Lorenz:People get around it by kind of fudging things.Michael Jamin:Who would get in trouble then if they got caught? The brand, not the TikTok or whatever.Taylor Lorenz:Not really. I mean, they went after Kim Kardashian. If you're that level, they'll go after you. But normally they're going after the brands. The brands are usually doing this. And also it's ultimately the brand or the agency that's running the marketing campaign that's up. It's up to them to enforce it and be like, Hey, put this in your caption.Michael Jamin:You said something else that surprised me in your book is that at one point, maybe it's still this way that the agencies are making the money and many of the creators are not getting that money. Explain to me what happens. I read it twice. It's like, wait, I'm missing something. SoTaylor Lorenz:There's been this explosion in sort of middlemen agencies, management companies that have come in. And what they do is they find these up and coming creators, they sign them into contracts like, Hey, I'll handle all your spun con, or I'll come in and do this deal. And then they take a huge portion, the brand pays maybe a hundred thousand dollars for a campaign. The agency will come in and take 50% of that or something, and then the rest goes to the creators. They allocate it, soMichael Jamin:They're getting something. You couldTaylor Lorenz:Argue that they are providing a service, and that's true, but the less ethical agencies are less upfront about the amount that they're taking.Michael Jamin:Interesting. Oh, they don't tell you how much it is? Probably,Taylor Lorenz:Yeah. They won't tell you what the brand originally paid. They'll just say, oh, it's $10,000 for this campaign. Nevermind that we got a hundred thousand dollars from the actualMichael Jamin:Brand. Oh, wow. Yeah. There's so much to be careful. There really is. And so I asked you a little bit earlier if you knew of many. Okay, so I'll let give you an example from my experience. So I did a show, I don't know, maybe 10 years ago, maybe not maybe 10. And the studio, we had a cast a role, and the studio wanted to get an influencer to play the part because this influencer had a bigger audience than the network had. And he turned it down several times because the money, he was going to paid a lot of money, but the money wasn't worth it to him. He was making more on a daily, which I was shocked about. And so do you know more? Can you speak more to that?Taylor Lorenz:That happens all the time. Yeah.Michael Jamin:Really?Taylor Lorenz:Yeah.Michael Jamin:I thought this guy was crazy, but okay, go on.Taylor Lorenz:Well, I mean, for a lot of content creators, their goal, it depends on the content creators. Some content creators, their goal is to get into Hollywood, and that would be an amazing opportunity for them. But especially the ones at the upper echelon, they're already the a-list of the internet. They're making millions of dollars. They really don't need to engage. And maybe it's a fun thing if they want to do it, and they have time and it's like a novelty type thing, or it adds some sort of legitimacy to them. But a lot of times, if they're spending, for instance, hours on a set, that's money out of their pocket that they could be making a lot. So it kind of doesn't make sense. And people have struggled. Not every content creator succeeds as well. So I think some of them do have that feeling of like, look, I'm really good at this. I know I'm really good at this. I'm making money. Do I want to gamble? Take time away from that. Try my hand at this thing that maybe I have and succeeded at before. It's not always there.Michael Jamin:Maybe I shouldn't even ask this on as we're being recorded. Do you know this guy, nurse Blake? Have you heard of him?Taylor Lorenz:I don't think so. Wait,Michael Jamin:Okay. Because I can't tell if he's a comedian or a nurse, but whatever he is, he's selling out arenas.Taylor Lorenz:Oh, I know this guy. I've seen him before. Yes. He's a comedian, right?Michael Jamin:Well, he doesn't act, but I also see him also posting in the hospital. It seems like he could be selling out arenas, but also he likes doing the rounds or something. I don't know. Yeah.Taylor Lorenz:So it's so funny. I don't know when you joined TikTok, but the earliest content creators on TikTok back in 2018, when it flipped from musically to TikTok, the earliest groups of content creators that emerged were police officers, nurses and service workers. And they were all gaining huge audiences. And I think it's because those jobs have an enormous amount of downtime, and they kind of almost have interesting stages themselves. They're always in the hospital or at Walmart working or whatever. And so there's a lot of people like that on social media that have kind of pivoted their career in that way to,Michael Jamin:Okay. I've been on a TikTok for maybe two and a half years, and at first I was very self-conscious. I was like, isn't this the app where teenage girls shuffle dance? Am I going to be the creepy guy on this app? And you're saying, it's so hard to tell. I mean, the first time, my first week and a half of posts were like this, this is cringey.Taylor Lorenz:They always say, you know what? My favorite quote is that I think all the time Xavier from Party Shirt said this, that everything is cringe until it gets views. And I think that'sMichael Jamin:True. Until it getsTaylor Lorenz:It's popular. It's not cringe anymore,Michael Jamin:I guess. So when you first started posting, did you look to anyone for, I don't know, to emulate?Taylor Lorenz:Yeah. I mean, there's this woman, Katie nais, who's still hilarious internet person, and she's a blogger too. She ended up working at Buzzfeed for a decade. I always just wanted to be like her. She was so creative and funny. She had this website called, I think it was called Party something. She would aggregate really funny party photos, and she just was really good at finding funny things on the internet.Michael Jamin:And do you know, have you reached out to her?Taylor Lorenz:Yeah, now I'm friends with her because I've been obsessed with her for my whole career. So sheMichael Jamin:Very really, so now you have a friendship with her. That's nice. Do you get recognized a lot when you're out and about?Taylor Lorenz:Not in la. No one gives a shit about me in la.Michael Jamin:But when you're out somewhere else, if I'm notTaylor Lorenz:VidCon or something, yeah, usually. I mean, I got recognized in DC on my book tour when I was eating. That was cool. But yeah, sometimes, I mean, when I was doing my Snapchat show, I got recognized a lot more, I think, because a lot of kids were seeing me on the Snapchat Discover Channel thing.Michael Jamin:I was on your link tree, you're everywhere, but are you active on every, I'm like, damn. She's on every platform.Taylor Lorenz:I'm an equal opportunity poster. Well, I mean, I cover this world, so I kind of feel obligated to be on everything. I definitely think Instagram and TikTok are my main ones. And then I have threads also now,Michael Jamin:Which I, are you making different content you posting? Are you reposting or posting brand new stuff? Everywhere.Taylor Lorenz:I repost. If I make a short video for TikTok, I repost it on reels and YouTube shorts. YouTube's always the one that I like. I'm so lazy about, honestly,Michael Jamin:It's hard to grow on YouTube. It's soTaylor Lorenz:Hard to grow, and I don't know, it's just like there's something demoralizing about YouTube.Michael Jamin:Interesting.Taylor Lorenz:But yeah, I think it's because it's like, you know how it is, it's like you post something, you get a hundred thousand views on TikTok, it's doing really well on Instagram. And then you go on YouTube and it's like me, 2000 views, and you're like, oh, I'm aMichael Jamin:Failure. What's the point of that? And you were blocked. Are you still blocked from Twitter or whatever? Twitter is?Taylor Lorenz:Yeah. Elon banned me for a while. I did get back on. I don't really, Twitter is dead to me, honestly.Michael Jamin:What did you do to get banned?Taylor Lorenz:I was, well, he banned me under this rule that he made that said you couldn't promote your links to other social media profiles. And I was promoting my Instagram account, so that's what he technically banned me under. But what he really banned me for is that I reached out to him for comment. I wrote a story about how he completely lied about a bunch of stuff, and I reached out to him for comment. And the minute I reached out to him for comment, I got banned. And then he tried to say, oh, it was actually because she was promoting her Instagram. No,Michael Jamin:That was Oh, interesting. So do you think he was guy, do you, you made it he enemy. He responds. He knows who you are and hates you.Taylor Lorenz:Yeah. Oh, he definitely, yes. I mean, I've interacted with him somewhat frequent basis, but that week I was not the only journalist that was banned for reporting on him. So the same week, drew Harwell, my colleague was banned, and then a bunch of people from the New York Times, we all got banned within a week, soMichael Jamin:Wow. BackTaylor Lorenz:On.Michael Jamin:And then they let you back on. Interesting. And then you're, screw this.Taylor Lorenz:But yeah, Twitter is also just very toxic and political, and I think culture is happening more on TikTok.Michael Jamin:Don't you think they're all toxic?Taylor Lorenz:Oh, totally. But I think Twitter's uniquely toxic. TikTok is toxic in a different way.Michael Jamin:Okay. I want to know what you think the differences are in each platform, because I have opinions, but Okay. Yeah. What are your differences? I mean,Taylor Lorenz:Twitter is just very political, and it's political in a way that there's a lot of, especially as a member of the media, it's like there's a lot of journalists on there. I think it's a giant group chat for a lot of media people. It's stressful. Editors, bosses are on there. I don't really use it. I use it to keep up with, I'm super immunocompromised, and so I keep up with Covid News on there. It's really the only thing I use it for. It's really hard to get news and information because Elon has sort of made so many changes to make it hard to get news on there. So I don't mess with Twitter. TikTok I love. But yeah, I mean, TikTok is just mob mentality. So I mean, I'll never forget. I defended, do you remember West Elm Caleb?Michael Jamin:No. And it's so funny when you say these names. I'm like, these ridiculous names. I'm like, no, I don't know that comic book character.Taylor Lorenz:Okay, well, west Elm Caleb a year and a half ago was getting canceled on TikTok. He was a guy that ghosted a bunch of people. He ghosted a bunch of women, and a bunch of women went on TikTok, like, this guy's a ghoster. And it got so crazy that he got fully doxxed and fired from his job. And anyway, I defended him and I was like, Hey guys, can we calm down a little bit? We haven't even heard this guy's side of the story. I believe he shouldn't be an asshole to women, but I've been doxxed. It sucks. Don't do that. And TikTok, they came for me hard on that one. They were like, no,Michael Jamin:No,Taylor Lorenz:Somebody from West Tom, Caleb.Michael Jamin:And then, yeah. How worried are you about, I worry about that. How worried about you getting haters and stuff?Taylor Lorenz:I've gotten haters. I write about YouTubers for a living. So if I was worried about haters, it doesn't matter. My friend is a pop music writer, and he was saying, he told me a couple years ago, because if anytime you are covering something with a fandom, you're going to deal with haters. And they're vicious, but a lot of them are 11 years old, or they're just online and they're mad andMichael Jamin:Okay. Do you respond to your posts comments on your post? You do.Taylor Lorenz:I do. I try to mean, don't try not to respond to haters. Sometimes I'm weak and I do respond to the haters, but noMichael Jamin:Good comes of it. Right? When you do, no,Taylor Lorenz:No good comes of it. But sometimes you just, I don't know. You just got to, butMichael Jamin:Even if you respond with kindness, which I did today to somebody, he just doubled down on his stupidity. They don't care. Why am I trying to,Taylor Lorenz:They don't care at all. They're like, fuck you.Michael Jamin:Yeah,Taylor Lorenz:Yeah. No, it doesn't help. I mean, sometimes if I'm bored, I've replied something, but I mostly just ignore those people, or I limit my comments and I try to keep it to that only my community's engaging and not a bunch of randos. Or if they have a good faith question, I get a lot of story ideas from people commenting. Or sometimes smart people will comment, you click on their profile, you're like, oh, cool. Person's interesting. Right.Michael Jamin:Okay. Okay. So you sound emotionally mature about this whole thing? Maybe more than I am because I get upset sometimes.Taylor Lorenz:No, trust me, I've had my moments. It's hard. But I think I've just been through it so long. I've been through the cycle so many times that I'm immune.Michael Jamin:And do you talk to your colleagues who, I guess, are they as active as you are on, let say on TikTok? No. Other reporters?Taylor Lorenz:Journalists are not. It's weird with journalists on TikTok. They're not really, journalists are so addicted to Twitter. Twitter is where everyone in the media is. And there's some journalists on TikTok, but not that many. So the ones that are, I think we all try to support each other,Michael Jamin:Or it's just not competitive. Yeah, it's supportive. You think?Taylor Lorenz:I try to be supportive. I don't, like somebody said this really early on of Don't compete collab or something. It was like early thing. And I really like that. I felt that with blogging too. I had made friends with a lot of bloggers. We were all in the same group. And it's just like the internet is really vast and everyone is unique. AndMichael Jamin:There's not tooTaylor Lorenz:Many internet culture reporters either. So,Michael Jamin:Well, that's a question I can't tell how big TikTok is. Sometimes I'll see, oh my God, this creator knows that creator, and they talk whether they stick to each other. I'm like, wow, this is a small place. But then I'm wondering, well, maybe I'm only seeing this wedge of the pie, and it's actually much larger. I can't get a sense of how big this thing is.Taylor Lorenz:It is really big. I mean, it's like billions of users, so it's really big. But I do think that inMichael Jamin:Terms of the creators though, theTaylor Lorenz:Creator community is smaller than you think. And I think the people that are really active, they form a network. And you're always going to get people that are a couple degrees away from people that you follow usually.Michael Jamin:Yeah. Where do you think, I'm certainly not the first person to say this, but during the early days of Instagram, it was always about people. This is the glamorous life. It was all made up. It was like they got sponsored posts to be on a yacht or whatever. They're pretending to be rich and famous or whatever. And because we're all idiots, we're like, wow, they're rich and famous, and they're living that life. And then that somehow evolved to now influences turn to creators, and creators are more authentic. This is my life. Take it or leave it. What do you think there's next? What comes next after that? Do you have any idea? Yeah,Taylor Lorenz:I mean, I think we always flip back and forth between aspirational versus authenticity. And people want a little bit of both. People still want the aspirational content. It's just not everything. And I do think that the authenticity is part of the appeal, and I don't think it's going away anytime soon. But yeah, I don't know. I mean, different content formats perform well depending on what the platform is promoting. So right now, they really want long form video. So I think we're going to see people that succeed in long form grow faster.Michael Jamin:But do you think when you're posting, maybe you don't even want to answer this on the air. I wouldn't blame you. Are you thinking about, oh, this post will do Well, I should talk about this. I know it'll do well. Or is it like, this is what I'm talking about, take it or leave it?Taylor Lorenz:Yeah. It depends on the day. Some days so many times where I'm like, oh, I know this would do well, but I just don't feel like posting today.Michael Jamin:Oh, really? EspeciallyTaylor Lorenz:Lately, oh my God. There's been so many things where I'm like, oh, that's going to go viral. And then I see somebody else posted and I'm like, good. They got the traffic. You have to be early on something. And then sometimes just most stuff I just post because I think it's interesting, and it's just my taste and news and information and just something I found interesting. But howMichael Jamin:Long will you spend on a post? Do you do it again and again until you get it right? No. One take and you're done?Taylor Lorenz:Usually, maybe I'll do two or three if I might rerecord something, but I don't take it that seriously. It's just one of many things I'm doing during the day, so not, and especially since I've been on book tour, I've just been too busy to make. I go through periods and it depends on how busy I am, how many videos I'm making.Michael Jamin:And how much of your personal life, because I know you're talking about technology and you're interviewing people and you're covering events like a journalist, but how much of yourself do you share?Taylor Lorenz:I share my opinions. I mean, I'm very opinionated, and I think I always tell people that you can be very authentic. And I think a lot of people would find me to be very authentic person online. I'm not a shy person or something, but I don't talk about my personal information. Also, it's not that interesting, I think. Oh, butMichael Jamin:People would love to know. People would love to know. I know Date youTaylor Lorenz:Nosy. They're nosy. But I think about all the cool stuff that I did in my twenties, and I'm like, I wish I had TikTok, I think back then, and I was talking about my life more. I was doing more and going out more. And now I'm like, I have a little bit more of a chill life. So sometimes I talk about walking around the Silver Lake reservoir or something, but I'm not like, if I go to a really interesting event, maybe I'll share it. I mean, I just went to Dubai and I actually haven't posted yet, but I'm making a video about that.Michael Jamin:I can't believe you went. That flight is just too long. I would think it wasTaylor Lorenz:So long. It was so long. But I got invited to this book festival, and I thought, when else am I going to go?Michael Jamin:Okay, what is a book festival?Taylor Lorenz:So there's this really big book festival called the Sharjah International Book Festival, and it's huge. And there's thousands of authors and books, and yeah, I got invited to speak, and I thought,Michael Jamin:Oh, you're speaking. So what if you're not speaking, what happens to Is everyone, okay? If you weren't invited to speak, would you be at a booth? What is it? Yeah,Taylor Lorenz:You just attend. I mean, there's thousands of people that attend and they just come from all over to, there's a lot of book buyers, and then there's a lot of publishing industry people in the Middle East and in Europe and that side of the world. And then there's just a lot of people that are interested in meeting the authors, going to panels. There's a lot of celebrity author type people there.Michael Jamin:Who's setting that up? Your publisher or who?Taylor Lorenz:Yeah, the publisher. Actually, I think maybe my book agent forwarded it to me. They were forwarded it to me, look at this random thing, and I was like, no, that's so cool. I want to do it.Michael Jamin:Oh, wow, really? And so did they fly you out?Taylor Lorenz:Yeah, they flew me out. They didn't pay me or anything. They just flew me out and covered my travel, which honestly was enough for me. It was pretty cool. HowMichael Jamin:Many days were you there?Taylor Lorenz:I was only there for three, four days. Four days,Michael Jamin:Including the flight, which was theTaylor Lorenz:Travel was a day on each side because the travel wasMichael Jamin:Long. And then you were there for the rest of the time, and you spoke on the panel? I was on the panel. That's an hour,Taylor Lorenz:Michael. I just did tourist stuff. I didn't have to do anything aside from that, so I was like, let me just go.Michael Jamin:Oh, okay. So it was a chance for you to be a tourist.Taylor Lorenz:Yeah. My friend is an editor over there for Bloomberg, and so we hung out and just did all the cool Dubai stuff together.Michael Jamin:But I'm curious because it's interesting, since you were a journalist, are we supposed to know anything about you? I mean, are there rules? Yeah,Taylor Lorenz:It's so funny. So the old school sort of notions of journalism is like, I'm serious, and I don't talk about my life, and I never share an opinion. I think that's a very outdated and dumb model of journalism that nobody will trust. That's why we have a crisis in media, I think, of trust is because people don't know about, there's so much mistrust in the media, and I'd much rather be upfront with my beliefs and tell people, Hey, look, this is what I'm thinking about the issue. Do you think I'm wrong? Do you think I'm right? Ultimately, the goal of writing any article is to be fair and accurate.Michael Jamin:WeTaylor Lorenz:AllMichael Jamin:Have. I thought you weren't supposed to be biased. I thought you were supposed to. Why do I know? I thought you supposed to. This is theTaylor Lorenz:Fact everyone. Everyone has opinions, right? There's no such thing on earth. The point is, is that you're not allowed. You shouldn't let that kind of shape the story to the point that it alters the truth. But to act like, oh, I don't have opinions as a journalist, that's stupid. We're all human beings. We all have opinions. Baseball writers that write about sports teams, they still are fans of a specific team. That doesn't mean that it's going to shape their coverage. That's the most important thing. It's like, I might love or hate certain things on the internet, but I'm not going to let it affect some story to the point that it would be truthful. You know what I mean?Michael Jamin:This gets into something else. Whereas you're kind of maybe, I don't know if this isn't the right word, but a celebrity journalist, because you recently had a photo spread in this magazine, and they're dressing you up and couture, right? I mean, so what's that about? You're celebrity journalist.Taylor Lorenz:I know. I've been in a couple things like that. Yeah, I mean, look, journalists have always been, it's always been a public facing job. It's always been a public. I mean, Woodward and Bernstein, obviously. Bob Woodward also works at The Post. He's incredibly famous. Anderson Cooper, Barbara Walters, the original female journalist, Katie Couric. All these journalists are, well-known household names because of their journalism, but of course, they're also people. And I think with the internet now, that's all come to a smaller scale. I'm definitely not at those people's levels at all. But with the internet, I think we all follow journalists and content creators. And again, it goes back to transparency. That's what I think is a big problem with that old model of media, where it's like, don't ever speak your opinion or something on anything. Because I think actually when you don't and you try to sort of act like, oh, I don't have an opinion, that's a lie.Everyone has an opinion on everything. Or maybe, but you should just be honest about it because that helps people trust you. I can be like, look, I don't love, this is a total example. I do love Emma Chamberlain, but I could be like, I don't love Emma Chamberlain, but I had the opportunity to interview her editing style was pioneering. It transformed YouTube. I wrote about it in my book, X, Y, Z. I'm not going to let my personal feelings about her color, but I would answer questions about it. If somebody asked me, I'd be like, well, here's my thoughts.Michael Jamin:Okay, so what is your daily life then? Do you freelance all these? How does it work? What is your life?Taylor Lorenz:No, I work for the Washington Post. So I am on our morning meeting every day at 8:00 AM on Zoom.Michael Jamin:Okay. Is no one, well, that's a good question. Is everyone online now? If you work for the Washington Post, does no one go to the office?Taylor Lorenz:They have a big office in Washington, but I moved out here with the New York Times, so I was at the New York Times for several years, and New York Times does have an office in la. So they moved me out here, and then the Post recruited me, and I was like, well, I'm not leaving la. And they have a lot of people from the post in LA obviously as well. Are youMichael Jamin:From, I thought you were from la. No,Taylor Lorenz:No. I live in la, but I'm from New York originally.Michael Jamin:Oh, where are you in New York? Are you from?Taylor Lorenz:Well, I lived on the Upper East Side when I was little, and I lived all over New York. I've lived, I think 11 different neighborhoods,Michael Jamin:But all, not all in Manhattan?Taylor Lorenz:No, no, no, no. Mostly in Brooklyn. I was in Fort Green before I moved.Michael Jamin:Okay. I didn't know that. So you're a New Yorker. Okay. Yeah. And then not anymore. So are you pitching them ideas or are they telling you, this is what we want you to cover today?Taylor Lorenz:It's a mix. I would say it's probably like 80 to 90% coming up with your own ideas. The rest of it. Sometimes there's an editor assigned story. Most of the time it's breaking news. So for instance, the war breaks out. I cover TikTok. I cover the content. So they're like, well, is there an angle on it?Michael Jamin:Why is news? My God. So what is most of your day then? Is it surfing the internet, or is it making calls to experts or whatever?Taylor Lorenz:Yeah, it's a mix. I wish it was surfing the internet all day, but it's a lot of meetings, a lot of, we have editorial meetings where we discuss coverage and we all give feedback on our stories. And I have meetings with my editor to talk about stories. I write features, so I generally write longer pieces. Sometimes I'm working on investigations for months.Michael Jamin:And then how did you have, go ahead. GoTaylor Lorenz:Ahead. Oh, yeah, it's a mix of, I do a lot of interviews and I do a lot of informational interviews, and I do a lot of consuming content andMichael Jamin:Keeping Well, then where did you get the time to write this book? It sounds very busy.Taylor Lorenz:I know. And I didn't take book leave like an idiot. I was like, I'll just do it nights and weekends.Michael Jamin:People go on book leave.Taylor Lorenz:Leave, yeah. But it's unpaid, so that's how they get you. And I didn't want to do that, so I thought I'll just try to do it all on top of my job. And I did, but it took me two years.Michael Jamin:Are you working on your next book? What's that?Taylor Lorenz:No, I'm not doing another book.Michael Jamin:You're done for now, but you will at some pointTaylor Lorenz:Maybe. Sure. Like yours. I don't want to do that right now.Michael Jamin:It was really hard. Why? I know. It was a lot of work, a lot of research, andTaylor Lorenz:Just the fact-checking. I interviewed about 600 people for the book, and it was just a lot. And throughout it all, I make videos, I do. I speak at things. I go to events. I have a lot going on in between.Michael Jamin:And how are you getting these speaking engagements? You're a celebrity now?Taylor Lorenz:No. No, but I talk at industry conferences type stuff a lot. Just like VidCon or things likeMichael Jamin:That. What is VidCon? Stop talking. I know what I'm talking about. I don't even know what that is.Taylor Lorenz:Wait, Michael, you need to come to VidCon next year.Michael Jamin:I don't even know what it is.Taylor Lorenz:Oh my God. VidCon is the largest, soMichael Jamin:Ignorant.Taylor Lorenz:No, no, no. You know what? You would have no reason to know it. It's the biggest conference for, it's a convention for online content creators. It's in Anaheim every year. They also have VidCon Baltimore this year. But it's a big convention where all the big content creator type people get together and the industry sort of.Michael Jamin:So are you going as a guest or are you going as a speaker?Taylor Lorenz:I've mostly, in recent years, gone as a speaker, but I used to go as a guest.Michael Jamin:And so what do you do as a guest?Taylor Lorenz:As a guest, you get to meet your biggest, you meet the big content creators that are there, talkers meet and greets. You go to panels, you can go to events. There's parties. It's kind of like a fun thing if you're up and coming or you care about the internet. It used to be a really big thing. I mean, I talk about this a little bit in the book, but it started in 2010, and it started as this small thing of just the biggest creators on the internet getting together just because there was no event, physical event. And then it got bought by Viacom, and now it's this huge.Michael Jamin:So now they reach out to you to say, we want you to be on a panel or something.Taylor Lorenz:Yeah, I'm always talking about, sometimes I do interviews with big content creators on the main stage. They need somebody to interview Charlie Delio or something. And so I'll do that. Sometimes. I'm talking about, I mean, I did one, I think it was last year or the year before, on news content creators. That's something that people always want me to talkMichael Jamin:About all. So we don't live far for each other. So we'll ride fair. If you like riding in a Jeep, you're not afraid of writing into Jeep.Taylor Lorenz:I think you might be recognized. Maybe you'll be a speaker soon. They love the entertainment people. There was some women they had there one year. They always get some weird entertainment celebrity that has a YouTube channel to come, and they're always really out of place. It's very funny.Michael Jamin:They wait, why would they be out of place if they're famous? If they're a celebrity? They'reTaylor Lorenz:Not internet people. They don't even run their own channel usually.Michael Jamin:Oh, I see. So that's a whole different thing when celebrities put themselves. That's the thing. I read somewhere, well, I guess there was pushback when a celebrity gets on YouTube, it's like, Hey, or TikTok, get off TikTok celebrity. It's like, why is everyone so mad? But I guess maybe talk a little about that. What happens when they try to do that?Taylor Lorenz:I think it's just these old school entertainment. People come on and they don't really understand the app and they clearly are not doing it themselves. They have some content assistant and then they're like, Hey kids, I guess I have to be here now. And it's like, what are you doing here? I will say, the musicians do a better job. Megan Trainor has Chris Olsson, her TikTok buddy that, and music is such a part of TikTok. I feel like they get a warmer reception. But people, I mean, when Reese Smith first joined, people were like, they were in the comments being mean toMichael Jamin:Her. Aren't you rich enough? Reese? But there is some woman I follow, and I was shocked. I'm like, there's so many ways that people are making on this. And she talks about politics, so she's like a punt. That's her passion. So I'm like, okay, let's get her take on it. But she also does these, they're called TRO trips. Have you heard of this TRO Trotro trip? And so basically it's this website. So she'll run a trip in Europe, we're going to Italy for a week, come onto this and you can pay her basically to be your tour guide.Taylor Lorenz:Oh, this, I see. It's like a host. They're hosting you for the tour. Interesting. Oh my gosh,Michael Jamin:Yes. I'm like, how smart. So she basically gets a free trip, but she has to be with people for a week. She's the host. Well,Taylor Lorenz:They were doing that with our New York Times when I was at the New York Times. I think they stopped doing it because one of the reporters was being controversial on the trip, and I think they kind of scaled back the program, but I think they were like, actually, we don't want our reporters talking to the public. But they used to have people travel with New York Times reporters, and that was a way that the New York Times made money off journalists.Michael Jamin:Oh, wow. And for the same kind of thing where let's go tour the Vatican or something.Taylor Lorenz:It would be like tour the Vatican with the TimesMichael Jamin:Reallys recording or whatever. It's so weird. But there's just so many ways for people to, I don't know, make a name for themselves. I was good for her.Taylor Lorenz:Yeah, totally. I mean, there's just endless ways to monetize online.Michael Jamin:I haven't discovered any of them yet, but I'm waiting for it. I got my eyes peeled, but okay, so yeah, so you go to this VidCon thing, you do a panel, and then people want your opinion. And I imagine it's people a lot smaller than you who aspire to be you.Taylor Lorenz:Yeah. Or it's just people in different industries that are there to learn more about the industry or It's a lot of brand people too. The head of marketing for Walmart or something.Michael Jamin:Oh, really?Taylor Lorenz:Want to understand the ecosystem.Michael Jamin:Oh, so they're not talking, I don't know, conferences. I don't know what this is about. It depends.Taylor Lorenz:I mean, sometimes those people, if they're really good, I mean, I actually know the woman who runs the Walmart, influencer marketing was also at this event I was at recently. So that's a bad example. But a lot of times it's like marketers, maybe they're not totally in it yet, or they're a brand that wants to understand the content creator world, but they don't. Maybe they're not doing that yet, or they want to do more of it. So they go to these events to build connections. AndMichael Jamin:So you're saying, I should go to this thing.Taylor Lorenz:I think you should go to VidCon. It's interesting. It's fun to just go to once. And there's a lot of fans there too. So there's the industry side, then there's the fan side, and then there's just all these sort of adjacent events.Michael Jamin:Hey, it's Michael Jamin. If you like my content, and I know you do because listening to me, I will email it to you for free. Just join my watch list. Every Friday I send out my top three videos of the week. These are for writers, actors, creative types, people. You can unsubscribe whenever you want. I'm not going to spam you, and the price is free. You got no excuse to join. Go to michaeljamin.com. And now back to what the hell is Michael Jamin talking about?Alright, so what about other people who have, I guess, transition from, I guess I'm saying, what I'm thinking is how can we help my listeners into, I don't know, everyone turns to me for like, Hey, what should I put on? It's like, I don't know, just build a following. Do you have advice for them?Taylor Lorenz:Everyone asked me the same thing, and I'm like, I wish it was easy. If I could give you a three step thing, we would all have millions of followers. I mean, a huge part is consistency, which is very hard. And I have to say, you post forever. You can't get obsessed with the views because people just quit and they feel like, oh, if you have an audience of 500 people, that really matters. It is very much about creating more of a community of people, and it is scale. So I think it's just, that's so valuable, and it also matters who's following you, rather than just getting random views. You want influential or interesting or whatever type of market you're trying to go for. You want the right people to follow you.Michael Jamin:Well, this is something that I was always perplexed at the beginning of TikTok, so I guess both of them, but on TikTok, you have followers that are, I get all these followers. I'm like, but if I have all these followers and only a 10th of them are seeing an average post or less, what's the point? Why? Why do I keep track of this metric? Why do they have the metric of followers if they don't show it to your followers?Taylor Lorenz:The way that I explain TikTok is following is just one signal to the algorithm. It's one signal out of probably thousands. And so it's useful. It's like, I have an affinity to this person. Obviously, you follow people too. Then you're mutuals, and then you can DMM with each other more, or comment. Sometimes you can put videos to Mutuals only. So there is a value, I think, in following, but most of people's experience is of consuming content on TikTok is obviously through the for you page. So I wouldn't even, followers doesn't matter that much, right?Michael Jamin:It doesn't.Taylor Lorenz:And also it's like, again, it goes back to who is following you. There's so many creators that people always wonder this with press, because people are like, why? How do I get written about? And it's really not about how big you are. It's like, do you have something new and interesting, or have you cultivated some sort of unique audience that maybe hasn't been served before? Things like that. So you don't have to be the biggest,Michael Jamin:Well, I say this, there's this one guy, I'm trying to remember his name, but he has a show, he's sold a show somewhere. I should know his name, but it was a Twitter feed, and he was just writing, he had a thriller. So every day he posts a little different line from this thriller he was writing. Oh, cool. And then it just blew up because it's mystery and suspense, and people wanted to find out what was in the basement or whatever. Then he was able to, I was like, oh, that's a good idea. So he did it. And so I don't know. Are you following any other people who do anything like that?Taylor Lorenz:Twitter. Twitter. There was this period on Twitter where there were a lot of TV writers and comedians were trying things out there, and you could really get traction, and people were looking at Twitter. Now, no one's looking at that anymore. I would say it's much more TikTok and Instagram for comedy, and that's just where it is. But I mean, things people make, I mean, I was interested, this guy, Ari Kagan, who is kind of like a young director, content creator. He doesn't like to be called a content creator, but he just sold a show with Adam McKay, where they're making it for TikTok.Michael Jamin:They're making it for TikTok. Wait a minute, what does that mean?Taylor Lorenz:They're going to make it on TikTok. It's going to live on TikTok, I guess,Michael Jamin:But not as, what we do is some kind of different TikTok channel or something where it's long form.Taylor Lorenz:Yeah, yeah, it's, hold on, let me find it. I want to actually get it right. Oh, yeah. Here. It's a series that they're making on TikTok. Hold on. It happened when I was, okay. I just put it in the chat. Okay. Yeah, I think it's scripted. Yeah, it's a scripted series to run on TikTok.Michael Jamin:So you may or may not. That means you may or may not see it like we were just talkingTaylor Lorenz:About. Yeah, exactly. Yeah, so I guess they're hoping that it'll perform well. I'm sure they're going to put paid media behind it, butMichael Jamin:Oh, okay. Oh, okay. How interesting. Yeah, this whole thing is so you got to be honest, people are always saying, how do I break into Hollywood? And I'm thinking, well, you don't need to. You can do this on your own.Taylor Lorenz:I mean, Ari did a lot on his own initially. I think that's how a lot of people get in there, is they sort of start making their own little projects. I mean, one person that I think has done this really well, he is an actor. His name is Brian Jordan Alvarez. Do you know him?Michael Jamin:No.Taylor Lorenz:Oh my God.Michael Jamin:So I got to know who.Taylor Lorenz:Alright,Michael Jamin:Put him in the chat.Taylor Lorenz:I'm going to put him in the chat. He was an actor on Will and Grace and he was in Megan, and he is very funny. I'll put, oh, he has a Wikipedia now. He's big time. He's an actor, but it makes this really amazing content. And he started making music online and these series online and I think it's like helped him a lot. I mean, everyone knows who he is now. He's been in Time Magazine and stuff, and it's mostly from his, he made this YouTube series a while ago that was popular, and then his tiktoks took off and he started making music. But it's like,Michael Jamin:All right, I got to follow this guy. You're sayingTaylor Lorenz:He's very funny, but it's just raised his profile a lot. I think what he does on the internet, and he does it in a really fun way. And I listened to him on a podcast recently, and he was just saying how it's led to more people kind of knowing his work, and obviously people see his work and then they want to work with you.Michael Jamin:Right. Do you have a podcast yet?Taylor Lorenz:Careful.Michael Jamin:Maybe I might tune.Taylor Lorenz:We'll see, I had one and then the New York Times made me quit it. The Times is crazy about outside projects, so I quitMichael Jamin:It. Oh, really? Hope that the post is not as, maybe they don't.Taylor Lorenz:They're better. That's why I work there now.Michael Jamin:Wow. You got your hand in so many different things. Yeah. I don't know. I just thought you're absolutely fascinated because you are an expert, but you're also in it. You know what I'm saying? Yeah, yeah. Is it overwhelming for you?Taylor Lorenz:I think I have good boundaries because I mean, I'm grateful to be a millennial where I think it's harder for the 22 year olds today where everything, their whole social life is so enmeshed in the internet. I think I have a healthy distance from it, and I have friends that are just my friends that aren't internet.Michael Jamin:So your boundaries are basically how much time you're willing to invest every day on being online. And also justTaylor Lorenz:Like I have a very strong sense of self, and I think when you get on the internet, everybody tries to push you into doing things or making content or being like, oh, you should do this, or, oh, you should do this. And I have always had a mind of, actually, I know what I want and I'm going to do this, and I'm just going to do only what I want. I know who I am if people, because it's hard on the internet and sometimes things perform well. So if I had continued to talk about my life, I think that probably would've performed well back when I was blogging, but I made the decision to just stop doingMichael Jamin:That. But you're right, if something's controversial, I try to steer away from controversy. I feel like I'm just here to talk about art and entertainment and writing and Hollywood, but I also know if I took a bigger stand on things and pissed people off, it would go viral. But then what's the point of this? I don't know.Taylor Lorenz:Then you get all these haters. I've written a lot of political stories that have to do with the content creator world and the political ecosystem, and so those are some of my most viral stories. But I have to say, it just gets you a lot of people that then follow you. They feel like, oh yeah, she's on our side on this, or whatever, or, oh, I hate her. She wrote about this content creator that. So I think it's just better to just be true to yourself. Yeah,Michael Jamin:Though I did a post couple, maybe when I first started off and it went, somehow Yahoo picked up on it and I was on Yahoo Entertainment News. My first reaction was, oh no. You know what I'm saying? Oh no. People know about me. It felt wrong. I don't know. I was like, I don't want people knowing about me.Taylor Lorenz:I know. It feels really, I mean, I've struggled with that a lot, and I actually really like being in LA for this reason. I was thinking just the past few years, more and more people start to know who you are and start writing about you, and that is such a mind fuck. I used to really believe, oh, every journalist is so great and they only have the best interests at heart of, and that is just not true. Unfortunately, there's a lot of places that just aggregate things for clicks and whatever, or they're very partisan in certain ways, and yeah, it's very hard. I used to run around trying to correct people. I tried to correct my own Wikipedia page, and then now I'm like, I gave up on all of that. I don't care.Michael Jamin:See, that's something I still frightens me a little bit is when people will stitch me or they'll make me the face of whatever argument they want. I'm like, whoa, whoa, whoa. Keep me out of it. I never said any of this. I didn't sign up for that. This is your thing. I know that frightens me a little bit,Taylor Lorenz:I think, because everybody uses each other as characters online, and so it's like you're the main character. Then you just use all these other people around you as supporting characters and whatever you're trying to do on the internet,Michael Jamin:I thinkTaylor Lorenz:Really, butMichael Jamin:Well, that's what scared me about what you wrote in your book, but those people who just, they're whatever, they gossip about other tiktoks like, whoa, whoa, whoa. This just feels so wrong to me. Just do your own thing.Taylor Lorenz:I know.Michael Jamin:Don't try to cancel me. What are you doing?Taylor Lorenz:I know my first job in media was at the Daily Mail, and it was such a great training ground for media because tabloid news is just so relentless, and

Swamp Fox and Barrel Roller talk to Tom Fesolowich of the New York Mutuals about all the clues he has dropped in the community about something big coming up. We dissect the clues one by one and give our opinions about what it could be. 

P/C mutual insurers' profitability struggled in 2022, despite considerable premium growth, said AM Best Financial Analyst Lauren Magro, referencing a new Best's Market Segment Report.

Ya ever meet someone and say, "That's a good guy right there", well it just happened to us. Listen as Cougar and Barrel Roller talk to Thomas about being a Psych teacher, a bass player, a vintage ballist who puts history and accuracy first. And how he possibly took his wife hiking on their first date...Possibly.

Sometimes relationships are a lot easier than we make them out to be. Your journey to mindful entrepreneurship starts here: mindfulmaeven.com Stay mindful and stay kind! --- Send in a voice message: https://podcasters.spotify.com/pod/show/mindfulmaeven/message

In this 12-minute podcast episode, you will learn about farm mutual insurance. Our guest, Brandon Keller, president and CEO of Germania Insurance, discusses the history and function of farm mutuals. Tune in to hear how farm mutuals play a vital role in protecting the rural insurance market.  Be sure to check out the other agribusiness resources that IRMI has to offer! 

Soooo, this episode took a turn. you will get the usual vintage base ball talk, but at some point Andy and Rudy became one as the Backstreet Boys talk took center stage multiple times. Yeti joined us and we all had a great talk, because I Want It That Way

Kate Hage, an experienced professional with a background in finance, law, and business development, successfully transitioned to the tech industry, becoming the first Australian employee and Business Development Director at Syndex. Follow Us On:Facebook – coopfarmingInstagram – coopfarming Episode Notes: In our latest episode of Meet the Co-op Farmers, rural journalist Michael Cavanagh speaks to Kate Hage, Syndex's Australian country manager. Syndex helps agricultural co-ops enter the digital age with its cloud-based platform providing an investment management portal, a member communications and relations system, and a marketplace offering access to capital and liquidity options. Links and resources: Listen to all podcasts – https://coopfarming.coop/podcasts/ Find out more about Syndex – https://www.syndex.com.au/ Find out more about co-op farming – https://coopfarming.coop/ Subscribe to our monthly Co-operative Farming e-newsletter – https://coopfarming.coop/subscribe-to-our-newsletter Contact the Meet the Co-op Farmers Podcast team – https://coopfarming.coop/contact/ If you or your community want to know more about setting up and running a co-op, contact the Business Council of Co-operatives and Mutuals – https://bccm.coop/ See omnystudio.com/listener for privacy information.

Heyyy based Junk Drawer Listeners, join us today as we talk about how our friend & award winning streamer fr0gan changed Matty Healy forever, Met BTR and JAKE GYLENHAAL 5 TIMES! Watch fr0gan on Twitch! https://www.twitch.tv/frogan fr0gan's YT: https://www.youtube.com/@frogan Watch Junk Drawer on Youtube!!: https://www.youtube.com/channel/UC37Vv9JWItGFhPJyChAhOzg My main youtube channel: https://www.youtube.com/@nikkicarreon Join the Patreon! https://www.patreon.com/user?u=84326430

About Ali Parsa:Dr. Ali Parsa is a British-Iranian healthcare entrepreneur and engineer. He's the founder and CEO of Babylon, the revolutionary artificial intelligence and digital health company. Babylon's mission is to put an accessible and affordable health service in the hands of every person on Earth. By combining cutting-edge AI technology and the best available medical expertise, Babylon gives people 24/7 access to affordable, holistic health services. The company is home to a large, passionate team of scientists, clinicians, mathematicians, and engineers—all recruited from over 60 different countries. With over 3 million users,  Babylon is transforming the way healthcare works across Europe, North America, Asia, the Middle East, and Africa.  Before  Babylon, Dr. Parsa created Circle, which became Europe's largest partnership of clinicians, with some £200m of revenue, 3,000 employees, and a successful IPO. The Independent Healthcare Awards presented Dr. Parsa with an Entrepreneurial Achievement award for establishing Circle. He was given the Royal Award for the Young Entrepreneur of the Year for founding his first business, V&G. More recently, Dr. Parsa was listed in The Times' 100 people to watch. The Health Service Journal recognized him as one of the ‘50 most influential people in UK healthcare. He was featured in the Maserati 100, a list that recognizes game-changing entrepreneurs who are disrupting the world of business. Dr. Parsa also won the CEO Award from Finance Monthly and ACQ5's UK Game Changer of the Year. He is a UK Cabinet Office Ambassador for Mutuals and has a Ph.D. in Engineering Physics. Things You'll Learn:Babylon's mission is to put an accessible and affordable health service in the hands of every person on earth by combining AI technology and medical expertise to provide accessible and affordable holistic health services.Healthcare should be about continuously collecting data, analyzing it in real-time, and intervening early when possible.AI and data analytics can help improve the healthcare system by predicting patterns and automating menial tasks.There is almost nothing that your body doesn't send a signal on.One of healthcare entrepreneurs' most significant challenges is the need for more capital and investment.Knowledge doubles every 2-3 years, so leaders should look to the future more.Resources:Connect with and follow Ali Parsa on LinkedIn.Follow Babylon on LinkedIn.Explore the Babylon Website.

Executive coach Stephen Shepherd of AltusQ has extensive experience working with co-operatives and mutuals. Follow Us On:Facebook – coopfarmingInstagram – coopfarming Episode Notes: In this conversation with rural journalist Michael Cavanagh, hear how how the co-operative difference informs and strengthens the business strategy of the co-ops and mutuals Stephen Shepherd of AltusQ works with. When co-ops fully embrace their history and purpose, a clear and workable strategy emerges; by harnessing the power of co-operation, co-ops and mutuals create a win-win situation for their organisation and their communities. Links and resources: Listen to all podcasts – https://coopfarming.coop/podcasts/ Find out more about AltusQ – http://www.altusq.com.au/ Find out more about co-op farming – https://coopfarming.coop/ Subscribe to our monthly Co-operative Farming e-newsletter – https://coopfarming.coop/subscribe-to-our-newsletter Contact the Meet the Co-op Farmers Podcast team – https://coopfarming.coop/contact/ If you or your community want to know more about setting up and running a co-op, contact the Business Council of Co-operatives and Mutuals – https://bccm.coop/ See omnystudio.com/listener for privacy information.

Today's feature is on a fantastic, well-established rock band called REDEFIND. These guys have been rocking the upstate music scene for over a decade, and have kept churning out heavy hitting rock anthems during their evolution.We sit down with Jordan, the lead singer of the group, to discuss their band's sound, history, and preview their newest single "This is fine".   After playing their powerful new single, we discuss some upcoming performance, and our mutual friends in 'A War to Win'.After a great interview, Dr. Luvbeatz makes a big announcement involving one of our other mutual friends, Sun-dried Vibes!We then conclude with our 'This Day in Music' segment followed by our live music schedule provided by our partners in palmettoshowcase.com!Thank you UMMPod Nation! See you next week!Support the show

The Terang Co-op is the retail heart of the small town of Terang and the lifeblood of the community, providing jobs, a sense of ownership and opportunities for local producers. Follow Us On:Facebook – coopfarmingInstagram – coopfarming Episode Notes: Talking to journalist Michael Cavanagh, Kevin Ford reflects on the co-op ahead of his retirement as CEO, explaining how the co-operative difference informs every decision at Terang Co-op, from daily work to the long-term vision of the organisation. Links and resources: Listen to all podcasts – https://coopfarming.coop/podcasts/ Find out more about Terang Co-op – https://terangcoop.com.au/ Find out more about co-op farming – https://coopfarming.coop/ Subscribe to our monthly Co-operative Farming e-newsletter – https://coopfarming.coop/subscribe-to-our-newsletter Contact the Meet the Co-op Farmers Podcast team – https://coopfarming.coop/contact/ If you or your community want to know more about setting up and running a co-op, contact the Business Council of Co-operatives and Mutuals – https://bccm.coop/ See omnystudio.com/listener for privacy information.

Dan Ahrens shares some timeless advice with the Smart Money Circle audience. Dan is the Managing Director and Portfolio Manager at AdvisorShares which manages over $1.5 Billion in assets. Dan Ahrens AdvisorShares Dan Ahrens is managing director, chief operating officer and portfolio manager at AdvisorShares. He is portfolio manager of the AdvisorShares Hotel ETF (ticker: BEDZ), AdvisorShares Restaurant ETF (ticker: EATZ), AdvisorShares Pure Cannabis ETF (ticker: YOLO), AdvisorShares Pure US Cannabis ETF (ticker: MSOS), AdvisorShares Vice ETF (ticker: VICE), and the AdvisorShares Psychedelic ETF (ticker: PSIL). Dan carries over two decades of experience in the financial services industry serving in a variety of senior-level capacities. He founded Ahrens Advisors, L.P., an SEC-registered investment advisor, where he was portfolio manager of the Ladenburg Thalmann Gaming and Casino Fund. Dan also served as president of the MUTUALS.com Funds, where he launched the Vice Fund (VICEX) and served as its original portfolio manager. He was also the portfolio manager of the Generation Wave Growth Fund (GWGFX). During that time, he was also president and chief compliance officer of Mutuals Advisors, Inc, and acted as president, treasurer and financial & operations officer of an affiliated broker dealer firm. Dan is the author of “Investing in Vice” (St. Martin's Press, 2004) and “Investing in Cannabis: The Next Great Investment Opportunity” (Wiley, 2020), and has appeared prominently across financial media outlets and major national and trade publications. He earned a Bachelor of Business Administration in Finance from Texas Tech University. Learn more: https://advisorshares.com/ --- Support this podcast: https://anchor.fm/smartmoneycircle/support

Ali Parsa is a serial healthcare entrepreneur, Founder of Circle and Babylon Health, and has made it his life's mission to transform the healthcare industry and make healthcare accessible to everyone around the globe. The unicorn entrepreneur was listed in The Times 100 people to watch, and was featured in the Maserati 100. Ali also won the CEO Award by Finance Monthly and ACQ5's UK Game Changer of the Year. He was formerly a UK Cabinet Office Ambassador for Mutuals and the Chair of the Confederation of British Industry (CBI) Tech Forum. He has a PhD in Engineering Physics. This was an absolutely profound episode. Ali's story from going from a refugee status to becoming a trailblazing health-tech entrepreneur is simply inspiring. In this episode, he revealed what his life was like before and after moving to the UK as a 16 year old boy, the loneliness of becoming a refugee, as well as the drive it gave him to build the life he dreamt of. Ali also gave us a look into his passion for healthcare, his secrets to becoming so successful in this market, and how his long-term mindset has allowed him to stay so focused. Topics: The role destiny plays in shaping your future The power you have to be the best version of yourself The UK vs US healthcare market and culture Desirable disadvantages Convincing investors to focus on long-term return Adopting a growth mindset Sponsored by School of Marketing. Delivering digital and data-led marketing apprenticeships and training.

What a way to end a season. Listen as Swamp Fox, Barrel Roller and Big Bat continue to talk about vintage pet peeves. We also cover Tom's history in vintage and everything from start to finish in baseball and base ball. Tom is not just a great guy, but a true precious gem of the vintage community. Stealing happened people!! Come and listen to find out why this guy is so well liked. We couldn't have finished a season any better. What.a.season.!!

This week on BBD podcast, our guest is Ren and Kris. Ren was recently a panelist on Crave's 1 Queen 5 Queers (must see his ep!), and Kris is a good friend of mine. I'm spent after a weird bachelorette and they're hella hungover but still very giggly. We talk about dating in Vancouver, worst first date, getting stuff stuck in ones bum, and of course red flags! Be sure to rate Best Before Date 5-stars on Apple Podcasts. Check out the things we discussed timestamped below! IN THIS EPISODE: - Pandemic in the gay community (0:40) - Haven't been in a relationship (1:20) - Red flags (2:26) - Funny is a must (3:12) - Healthy relationships are weird at first (4:56) - Actual adults (6:16) - Emergency room visits (7:45) - Weird first date (10:35) - UBC McDonald's (13:40) - Bad trip (15:34) - Objects in butts (16:29) - His type (19:42) - Bubly break (21:15) - What's AL attracted to (21:56) - Dating a comic (22:45) - Vancouver dating pool (24:52) - Be a rule breaker (26:43) - Leather harnesses (28:10) - Online dating (29:50) - Mutuals on Instagram (31:00) Send us a dating question or comment on our Instagram New Episodes every Tuesday at 9pm PST!

Meet Ali Parsa, Ph.D.:Ali Parsa, Ph.D. is a British-Iranian healthcare entrepreneur and engineer. He is the founder and CEO of Babylon Health. He is also a UK Cabinet Office Ambassador for Mutuals. Previously, he was co-founder and CEO of Circle Health. Dr. Parsa was recognized by The Health Service Journal as one of ‘the 50 most influential people in UK healthcare' and he was featured in the Maserati 100. Dr. Parsa received a Ph.D. in Engineering Physics from University College London.  Key Insights:Ali Parsa shares an optimistic, but still practical vision of entrepreneurship.  Not Healthcare. The incentives in healthcare are fundamentally broken. What we call healthcare is really “sick care,” because we wait until patients are having health emergencies to intervene. Babylon Health aims to prevent health emergencies by utilizing data, AI, and monitoring to catch problems before they get worse.Desirable Difficultly. Dr. Parsa arrived in the UK as a refugee at 16 without his family. He built his life and career from scratch. However, he views these difficulties as giving him strength. He has the experience to deal with adverse situations.Advice for Founders. Dr. Parsa encourages founders to dream big, build fast, and be brilliant. Anything that matters takes a lot of effort, so you might as well do something big. He also asks that we work to create an ecosystem that allows for others to dream big as well. This episode is hosted by Rishi Sikka, M.D. He is a guest host for Day Zero and is a Venture Partner at Lifeforce Capital and Professor at Brown University School of Public Health. Relevant Links:Learn more about Dr. ParsaLearn more about Babylon Health

On Episode 351 of Impact Boom, Melina Morrison discusses the power of co-operatives and mutuals to generate positive social change, live from the 2022 Social Enterprise World Forum.

We discuss the good, the bad, and the ugly of having mutual friends and remaining friends with your ex. --- Support this podcast: https://podcasters.spotify.com/pod/show/datinguniversity/support

 Western Australia is known for many things – its stunning landscapes, beautiful beaches, the WACA and its much-loved AFL teams. But it's also home to Australia's largest fishery, Geraldton Fishermen's Co-operative, which is a full-service operation taking its members' daily catch of western rock lobsters and transporting them around the globe. Follow Us On:Facebook – coopfarmingInstagram – coopfarming Episode Notes: In this interview by rural journalist Michael Cavanagh with CEO Matt Rutter, you'll discover more about this proud Australian co-op that's over 70 years old and hear what's involved in bringing premium seafood to international and local markets. You'll also learn why the co-operative model is the ideal structure for this business, driving a purpose that extends beyond just profits. Links and resources: Listen to all podcasts – https://coopfarming.coop/podcasts/ Find out more about Geraldton Fishermen's Co-operative – https://brolos.com.au/ Find out more about co-op farming – https://coopfarming.coop/ Subscribe to our monthly Co-operative Farming e-newsletter – https://coopfarming.coop/subscribe-to-our-newsletter Contact the Meet the Co-op Farmers Podcast team – https://coopfarming.coop/contact/ If you or your community want to know more about setting up and running a co-op, contact the Business Council of Co-operatives and Mutuals – https://bccm.coop/ See omnystudio.com/listener for privacy information.

[00:01:25] Kalen: We're finally in a good, uh, 2 36. So episode 2 36. So the last one was bringing amnesty into the fold 2 35 and[00:01:36] Willem: we're finally episodes 236.[00:01:40] Kalen: 2 36. We're getting into a pretty, pretty steady schedule here. I think this is, uh, you know, we, we said, Hey, let's, let's, uh, let's test the waters with this whole idea of rebooting ma talk.And, um, you don't know until, you know, but I think [00:02:00] it seems it's happening. It seems this is actually happening. So I have a question to, um, yes,[00:02:10] Willem: Asher almost at episode 240. Yes. Just four to go. How do you feel about the fact that people have spent 10 days of their lives listening to you? That's crazy on me.Talk.[00:02:30] Kalen: That's pretty nuts, man. Whenever you take a step back and think about the aggregate, uh, stuff, it blows your mind cuz. That's kind of the cool thing about podcasts is that you don't really, you're not really conscious of the aggregate when you're doing it. You're just kind of chatting with a buddy.That's, what's so beautiful about it. But then when you think about it, like, I remember hearing Joe Rogan talk about that as if I know anything about what it's like to be that famous, but, [00:03:00] um, same dynamic, different scale. But like when he realized he had this massive audience, it was like a huge surprise, but, um,[00:03:12] Willem: just, uh, two more, no, four more days.And then we have magenta New York and you'll feel you'll reconnect,[00:03:24] Kalen: feel the vibes I'm already at your[00:03:26] Willem: field of vibes and[00:03:28] Kalen: yeah, I've been feeling the vibes, man. I've been feeling the online vibes and, um, But it's always better in person. It's always, there's something it's always magical in person,[00:03:42] Willem: you know?Yeah. I was so happy that events were back earlier this year. Yeah.[00:03:46] Kalen: Yeah. Um, yeah, man, I'm finally ready to talk about the new thing I tweeted about it this morning. Oh, wow. Wow. Yeah, the, [00:04:00] the new business, the community.[00:04:04] Willem: Um, let me life check what this new, the tweet was you have, because obviously, I don't know.I don't know anything about you've this new thing[00:04:12] Kalen: yet. Yeah. You've been busy working. how screwed up would it be if there was, uh, I won't, I won't even mention it. Um, so , if there was a certain version, um, so,[00:04:28] Willem: uh, I made a thing as what you tweeted and it's Mitch chat.club, Mitch private community. That's.Tell me about your new, um, board Mitch yacht club. Yes,[00:04:43] Kalen: honestly, that was a really good name that you posted. I like that a lot. Um, so so, um, so this is a slack that I created seven years ago. Uh, that was initially just, um, [00:05:00] You know, I was wanting to just, you know, have a place to chat with other, uh, magenta developers, doing stuff.It got up to five, 600 users. And, um, I was real active with it, uh, for, for years. And there was a bunch of people in there, you know, a lot of the, you know, a lot of the, you know, um, big names, as you would say. I see it feels so douchy to say that, but, um, but anyways, it, it was, it was a cool little thing. And then, um, the last couple years I kind of ghosted from it as I sort of generally pulled back a lot from the community and, um, mm-hmm and so, but there was this like skeleton and, and I'd always thought about turning it into a paid community because there's just lots.Cool stuff you could do, but I didn't really have a, a real reason to do that until now when I decided to ramp down commerce hero and I was like, okay, I gotta find something to do. I gotta start making a living. I gotta [00:06:00] find a, a, a way to replace the, in my income and things like that. And so it was this thing.It was this thread that I'd been thinking about for years and, um, had been building community for years is just a little free slack thing. And, um, and so, uh, so yeah, so what's objective, what's the objective. The objective, um, is to. Um, have, um, I should be better at this by now explaining the objective. Um, it's to have a place to connect with, with your peers is I think a lot of it as an a, as a, like a digital analog to a conference, you go to a conference costs a little bit of money.Um, it, that does create a bit of a barrier to entry. Um, but it's an environment where you can learn stuff. Um, there's also gonna be weekly talks, live talks [00:07:00] there's um, um, but also like to me, the magic of it, the purpose, the objective of it is more than just like, you're gonna learn things. You're gonna be able to get your Magento questions answered.It's mm-hmm, There's a magic that happens when you combine. getting technical questions answered with having a place to socialize. That's kind of fun. Um, and, uh, basically those, those two things, um, and you know, everybody's in a million different slacks and discords and stuff like that. But, um, you know, some are more engaged than others.Every company has a slack, some are more engaged than others. I think about, you know, a friend of mine who was at a company that was this great team, really vibrant team, really collaborative. They'd have a lot of fun together, post memes, da da, da, da, but also they would, um, you know, if they needed help with anything, they [00:08:00] could post a question, get an answer really quickly, very collaborative, right.And as, as everybody's going remote, everybody's using slack or collaboration tools. Now the question is, how good are they? How good is the environment, the community. So companies have a culture, companies have a community component to them, but I'm trying to create this at more of a distributed level across the whole, uh, ecosystem because some, and some people go, listen, man, I already have a company slack.It's great. We love it. It's perfect. I can get all my questions answered. We have a great time. The vibes are strong, so you may not need this if that's you. Right. Other people are like, man, like I was talking to buddies like man, our slack used to be so strong, but whatever happened, a bunch of people left the company.Now it feels kind of dead. So this is a, a way to kind of support, um, people with those, with those different.[00:08:56] Willem: It's also hard to always complain about the projects and your colleagues [00:09:00] and your company slack. It's nice to have like a, an external slack to complain[00:09:05] Kalen: at that. That is a big part of it. That is a big, there's a rant channel in the slack, which is one of the, like the most active people in the slack like that channel the most.And I think that it's really important to let off some steam it's a human need. It's a psychological need to go shit, man, this client just told me to do this. It's so du it's. So Stu now this gets into the topic I wanted us that we started getting into last week that I want to dive into is mm-hmm how do you create the rules of engagement in a slack community in general, in mind, specifically in yours, specif.What does it, what's that line between being yourself, talking a little bit of shit and, and being toxic. Right. I don't think that you can strictly, uh, define that, but I think that [00:10:00] I'm going into it with the best of intentions. The amnesty thing is a perfect example. People in our, uh, people constantly talk shit about amnesty.Why? Because they've had bad experiences in the past, but what happened was inspired by your collaborating with them and, and things like that. I said, you know what? And, and, and we did the, we talked about it on the podcast and I said, and the, the, the CEO, uh, replied on Twitter, Serge. And, um, and so we had a conversation.I said, listen, um, I'd like to get you into this community. There's a lot of negative sentiment. And my thought on, um, on, uh, the, the, the way people should be allowed to communicate is like, Uh, they should be allowed to say some negative things, right? I don't want to tell everybody everything they has to say has to be.So I want people to be themselves. If you're having a bar with, if you're having a drink at a bar with a friend, you're [00:11:00] gonna say, dude, this thing is shit. This extension is shit. Or, you know, so I want to be able to create some, some kind of an environment of that, where you can be honest, be yourself, but, but then what happened is I.I talked to him. I thought this guy, this guy understands the challenges. He's willing to deal with the negativity and turn it into a productive thing. I said, and this has turned into another, I think big benefit of the community is that all the members are gonna have priority escalation directly to the CEO for amnesty issues.And I want to do this for all the different extension companies out there. Now, in order to do that, I have to make sure that what they're escalating. Is not, they're not just ranting about every ran. So there's already begun to be some conversations in the extensions channel where people are say ranting, and then, so we're going, okay.So here's the deal. Amnesty released some improved coding standards a year and a half ago or two years ago, whatever it was, they're working on improving their quality from that point [00:12:00] forward. So if you have an issue you wanna rant in the ran channel, have a have at it, have a blast. If you wanna talk about it in the extensions channel, we need to keep the conversation focused on what can actually be improved.So if there's an issue constructive, so if there's something you hit four years ago and you're angry about it, I hear you. That sucks you. That caused a lot of pain in your life. You may have had to stay up all night because of a deployment. That's real. However, if we're talking here, let's talk about what can be changed now.Has let's point to the specific extension, has that been addressed recently or not? Has that been fixed recently or not? And I I'm gonna need to see some real movement from Serge, from, uh, the quality improvements. I don't, I don't understand all of the quality issues across 200 extensions. I'm trying to understand that.I want to see good faith progress and somewhat quick progress towards improving all this stuff. [00:13:00] Um, so that's, that was something I think that was very productive that came out of people. Just being honest about how they felt about, you know, stuff they were dealing with.[00:13:12] Willem: Yeah, I always feel well, always. Um, as I've grown through the, as I've gone through some personal growth in the past years, I've decided to focus on the positive things.As I, as I also said in the last, uh, last week when we spoke, um, it's a choice to focus on the negative things. Mm-hmm and I, I have joked on, on the, on slack, in this amnesty FRA, where I said, um, if you can't, if you, if you can't deal with the amnesty extensions and, and fix the issues that you are facing there, then the exchanges are not for you.If you're above that level of what am MSST offers out of the box mm-hmm and you can do better [00:14:00] either. Either you should be able to, to fix this one load in the loop and create a patch and, and then still make use of all of the boiler plate coat that is there, that you can get for a quite low amount cheaper than what you can build it yourself for.Mm-hmm . And if you're stuck with an extension and you can't, you don't have the time or budget or skills to fix it, maybe look for another vendor or build it yourself. Mm-hmm um, And try to try to look at it, uh, in a, in a positive manner. And, um, you can get, you can get really stuck in, in just focusing on, on the things that aren't, I,[00:14:40] Kalen: I agree.I agree with that. And that would be how I'd personally approach it. And there, there are people that say, listen, I, I don't work with amnesty extensions in my particular business. And I think that's a, that can be a totally reasonable approach. Uh, depending on the scale that you work at, the type of clients you work at, I will say that if [00:15:00] you are a developer at an agency and it's really not your choice, whether or not to work with that extension, it's a decision your boss made is the decision the client made, and you're kind of stuck with it.Mm-hmm I can understand a level of resentment there where you're like, man, I, this, I can't get support on this. It's gonna take me an insane amount of time to fix it. It's ma you know, Even still, if that's the position you're in, you know, your job is to, is to scope out, Hey, here's what it's gonna take to fix X, Y, and Z.Um, it's your job to review the code and say, here are the issues and, and line them out. Um, so even then I agree with you. You can be objective about it. You can be constructive, but I can understand people that are stuck with an extension that's, that's breaking stuff left and right. I can understand them being angry about that.Mm-hmm and I think that, you know, that's fair. Um,[00:15:54] Willem: yeah, that's a good point. Yeah. It's um, I guess in general, if you're [00:16:00] working at an agency where you work with fixed prices and the customer, the customer's on a budget and he, he doesn't wanna spend the additional money on custom built features or mm-hmm and you are, you are the one facing the issues and you are, you, you are pushed to do things to fix things cheaply, and all of these cheap extensions are conflicting with each other, then that sucks.I understand. Mm-hmm yeah. Yeah. At the same time, a lot of these extensions work pretty well out of the box and is solve an issue that are for. Maybe 80% of the market that doesn't run a multimillion store on magenta. I, if you look at the 80,000 stores that are currently live on magenta two mm-hmm, probably 80% won't feel the performance impact because either the catalog is too small, uh, to really feel the performance issues.Yeah. Or, or they just [00:17:00] don't have that amount of visitors hitting the site constantly. If you're a, if you're a merchant doing a couple of thousand a month and you have a cheap store and there's, there's 10 amnesty Sanchez there that are pulling performance down a bit. Um, yeah, that's, that's the, the downside of being on a budget, but it's still, so it makes it possible for these merchants to have those features at all.Otherwise they,[00:17:24] Kalen: and that's the, that's the thing that it's easy for us. If we're in the dev community, working on high end stores, it's easy for us to ignore. That side of the market, that wa that has a demand for a certain budget extension that solves a business problem. That's a real thing. And, and the other thing that has been really cool in the community is that as Serge has come in, I've had some people go, Hey, I have a really good deployment pipeline that I use that does, um, that does, you know, checks across different versions of Magento and everything else that does code quality [00:18:00] checks, all sorts of stuff.Right. And everybody's building these types of things out. And so they're saying, Hey, I will, I I'll help you. And like for free, like, I'll help you if you, I don't know what they have or don't have on their end, as far as deployment pipelines, automated quality checks. But I have people in the community that go, I would like to help you guys fix this.We'll help you build out, set up your infrastructure. And so now I want to get them to start collaborating so that that'll help Amnesty's business. That'll that'll eventually improve their quality and hopefully make them more money in the long run. Mm-hmm make the community's lives easier. So things like that, that can happen ho hopefully that, that can happen, uh, are pretty cool.Like I pretty, I get excited about that kind of stuff.[00:18:51] Willem: Yeah. You're gonna have your hands full, if you wanna do that for more, I know extension vendors. I know dude, because [00:19:00] there's a couple out there and I know every extension vendor has extensions that that might have some load in the loops and amnesty is by far not the only, and we see a lot of extensions come by.Like we have, yeah, yeah. So many extensions that are being made compatible with Huda. So we have insight and the quality of, of a lot of those extensions. And to be honest, all of the extension vendors have different varying quality of extensions. Yeah. Yeah. Um, and that's just, some of them are maybe five years old and hotly updated.They they've been. Kept up to date with new PHP Magental versions, but that's it. And those might be low running extensions that they, that they don't sell as much as a amnesty shop buy is probably one of the largest chunks of income. And you would expect that to be right, uh, of high quality, uh, right. [00:20:00] But then yeah, others not[00:20:02] Kalen: so much.Yeah. It, it, you know, it may not be a fully solvable problem across every extension vendor. And I, you know, who knows, I I'm hoping this works out, but you're not gonna know until, you know, and, um, I'm starting to see some specific, um, things escalated to Serge related to specific extensions. I'm starting I'm I'm I'm, I'm now curious what to see some aggregate, um, information on their side, on the 200 different extensions that they have on quality metrics.And so, um, It, I hope it works out if it doesn't, it doesn't. I gave it a, I gave it a shot. Um, if it, if it does, it'll be pretty cool. And I think that there are ways to approach this, that, listen, I'm not ex expecting somebody to fix every problem in 200 extensions overnight. Nobody's expecting that, but if they can make, uh, good, you know, material progress that makes [00:21:00] everybody's life better.Sure. It's gonna, it's gonna require some investment by the extension vendor, but these investments we already know, pay for themselves, improving your code quality. Particularly if, if we, if you're getting a nice automated deployment pipeline check with quality check, you know, code quality check, those are the types of things that are gonna pay for themselves easily.And you can find things like load in the loop. I think I, I'm not too up to date personally, on what types of things you can really detect automatically, uh, in a reliable way. But I think that a lot of these, a lot of things I think, um, You can do pretty, pretty a decent job of, so we'll see, man. Yeah. It's a can of worms and , we'll see, we'll see where it goes.[00:21:47] Willem: Yeah. And, um, I think mostly it's, it's easy to underestimate how much work they put in, in maintenance and updating extensions, and they have a public roadmap MST. Uh, [00:22:00] it's a travel board and you can see what they're working on. It's it's quite a bit. Oh, that's good. Um, they've been working on, on Hoover compatibility and we, we have, we basically started out, we agreed that they would start making, uh, extensions compatible, and we had maybe eight that we already made compatible together with our community mm-hmm and, uh, we agreed that they will take over ownership of those compatibility modules and build them out to make them fully, fully, uh, fully featured.And, um, I think they have. About four, uh, four release now and free coming up, uh, which you can see in the, in the public roadmap. Um, and, um, yeah, to do that beside all of the other work that they do, um, yeah, they got their hands full. So, uh, probably when they start to get feedback on extensions, um, they only have so many developers that are all booked [00:23:00] for, for, uh, new extensions, continuous, uh, yeah.Uh, upgrades and improvements. So it might take a while before they pick up all of the feedback.[00:23:08] Kalen: Um, yeah. Yeah. I mean, it's gonna take time. It's not gonna be overnight. And at the same time, you know, there's a difference between. You know, they have 200 extensions, right? I don't know what the current code quality status is on all of the extensions, but there's a big difference between, you know, one extension has good quality and 199 have horrible quality and they're improving at an extremely slow rate versus.Maybe 50 of them have good quality and the other 150 are improving at a decent rate. So I have to wrap my head around how things are improving. A lot of people in the community are literally reliving past traumas related to things that have happened four years ago, five years ago, six years ago. And so, um, that's, that's a hu that's a human psychology thing.It [00:24:00] is what it is. So what is the current state as of today? I don't know. I'm trying to figure that out, but anybody who's integrating with Hova, I know they're smart. So to me, That shows that they see where things are going, they're paying attention and they're smart. So anybody doing that, I want to ha I want to talk to, because I think they'll understand that this type of stuff is better for everybody, including them in the long term, which is why they're investing in, in Hova, because it's good for them in the long term as well.There's a huge, um, there's a huge, uh, surge in the community towards, um, ho I was just talking to somebody today. Um, my friend, Jordan, who, uh, is building a headless checkout called rally Jordan go, I've known him. Uh, he actually built an email, uh, abandoned cart thing back in the day. We've never met in, in person, but he's a really cool guy.And, um, and, uh, and we [00:25:00] were chatting a bit and he's interested in Hova. I didn't even know he knew about Hova because he's doing all sorts of headless stuff. So anyways, um, um, Yeah. So we'll, we'll see where, where it all goes. Um,[00:25:17] Willem: but the sad thing, the sad thing for me of this new, this new product that you have is that it's all you use all of these no go tools, which are impossible for me to hack while.Well, I have this tradition that whenever you create a new product that I, that I, that I take a peek where[00:25:41] Kalen: no, no, see, this is, this is fantastic. Cuz if I would've built this myself a hundred percent, there would've been security holes. You would. Yeah, that's right. You had found a, um, an old ma male security hole if I recall.And um, yeah, probably a commerce hero one [00:26:00] too.[00:26:00] Willem: Yeah. So[00:26:03] Kalen: I'm this no code stuff is so it's so obviously there's limits to it. There's limits to what I can do with it, but. Ah, man, it's so fun to just be able to roll out little features quickly. Um, It's pretty, it's pretty, uh, just today I added a little portfolio thing that I'm starting to build out.So I wanna make the member profile pages a little more meaningful. Um, so, you know, people can add things like services they offer for people that offer services, um, freelance agency type stuff. But then I think a simpler way to build out, build them out is like a portfolio thing. So people can say. You know, so Damien for example, has a page.He can put daffodil on it. He can put Maia on it. Um, Simon sprinkle has a page. He can put his extensions on it. So I wanna start to build out these member profile pages and then there's tags associated to the [00:27:00] portfolio. There's tags associated to a lot of different stuff across the database. And then I can roll those up into the members so that then we can start to figure out who's good.Who's the who's into DevOps, right? Who's into Kubernetes, who's into price configurations. So that questions come up. I can figure out who to route questions to and things like that.[00:27:21] Willem: Let's do a voluntary sponsor break and give a shout out to Damien, uh, and, and promote his, uh, his Kubernetes, uh, setup. You, you, you know, a bit more about what he built there, but he, what, what is it exactly he has like this whole schematic and configuration that outer scales Magento on Kubernetes and it's plug and play.Yeah. How does that[00:27:48] Kalen: work? And I still don't, you know, I still don't know very much about it, but, um, Um, we had talked about me doing some promotion of it and, and, and stuff like that. [00:28:00] And I may or may not continue to do that rev share thing, but we had talked about a rev share thing of it. But, um, from what I understand, it's he has a few clients that his agency, clients that are, that are on it.And it does like auto scaling, um, really well, um, with, uh, with Kubernetes and he, and, um, he has this helm chart, which as far as I understand. Gotcha. Basically the it's the it's it's it's it's the. Code is infrastructure. I'm probably using that word, that term slightly incorrectly, but it determines how everything is configured.So it gets your message queues set up. It gets your auto scaling set up. Um, and it just gets everything orchestrated. So his, his, the way he describes it is like commerce orchestrated. Um, and just to emphasize,[00:28:52] Willem: yeah, just to emphasize how special it is that he has out scaling there, because that's something that Adobe still doesn't do with Adobe [00:29:00] cloud.Yeah. With Adobe commerce clouds a hundred percent. So like through, out scaling.[00:29:07] Kalen: Yeah. So, and I don't, you know, I know some people have different types of autoscaling and then, you know, it's like, it's one of these buzz words where some people are like, yeah, we have, autoscaling just email us and ask us to set up a new thing.Whenever you're expecting a surge, it's like, that's not autoscaling.[00:29:26] Willem: Um, then you go to 20 server notes and they never scale back down. And then when you need it yeah. For, for just one location, you scale up to 40 and you never scale down.[00:29:36] Kalen: totally. So my understanding and, and I don't know how this stuff all works is that he has it nailed that he's been doing this for five years.He has some really decent sized clients on it. Um, and one of the things that we're gonna start to do with actually we already started, I did my first one on Friday is we're doing these live sessions where we're calling them APIs and IPAs. Um, PJ, Peter yap came up with the [00:30:00] name, but we're gonna do like IPAs.I so, so this is sort of the funny thing about it is I, I have zero interest in IPAs or any, any beer that's fancy, I'm a bud light guy, but, um, but I'm a bud light and a rum and Coke guy. So here's the, here's the rum. But, um, but, uh, but I like the name of it, so I like it too. So we did our first one on Friday Alexander, uh, uh, B book, um, out of Germany, talked a little bit about a Magento one, um, uh, uh, B E M CSS methodology thing that he did, we had about seven, eight, uh, people in there.We drank some beers. We talked some texts and then, and yeah, it was fun. So he's gonna do one, we actually have it scheduled on Maia. Uh, he's got that coming up, I think in a week or two. So that'll be a good place to, um, to get into the, is that[00:30:58] Willem: the name of the product Maia. [00:31:00] Maia?[00:31:00] Kalen: Yeah. I keep telling him it's a horrible name.It's M a P P I a, I don't, I'm sure there's some deep meaning of the name tied into how Kubernetes works and stuff like that, but, um, it's, it's, um, it's map yet. And he sent me the website. He, he doesn't really ha it's just a placeholder website. He needs to work on that. He didn't want me sharing the website URL yet, but, um,[00:31:23] Willem: okay.But if you wanna know more about it, you should get, go to gray core.io and contact them. And that's gray core with a, a, not with a E yes. That's American gray, right? Is the[00:31:37] Kalen: honestly with a E I can. I can never, yes. I think that's American. I'm not Lord. I have not been known to be a spelling expert in any language but, um, I think, I think that's it.Um, so Maia think it's neat. Okay. Maia. Yeah. So what are you working on these days? [00:32:00] Well, I've given my huge promo advertisement. Let's let's, um, let's move it over to you for a minute.[00:32:08] Willem: I'm, uh, I'm a little bit involved in, uh, everything that's going on on, uh, MAs and, uh, some exciting news there last week was that they finally founded the organization in Poland.Uh that's right. So that means, uh, we can finally have some financial streams going in and out of the organization. And, um, cuz we're, we are paying some things out of our own pockets, uh, so far. Um, but now we can get some backing into the organization and start to set up also membership fee and such. Um, so major wise is, is, is the organization.We started out with Mosca magenta, open source community Alliance that, that that's right sent into MAs. So that's, uh, Magento open source, um, which is that's better. That's a better name. Let's[00:32:57] Kalen: be honest. [00:33:00][00:33:00] Willem: Yeah, well, Mosca also has[00:33:01] Kalen: a, you still like Mosca, you still wish you was[00:33:04] Willem: Mosca. No, no, I'm, I'm, I'm, uh, I'm, you're all in more than good with me, us, but it was funny that Moscow means, uh, uh, mosquito and Spanish.Yeah. Kind of gave, uh, in my head, I was a bit like this annoying, this annoying thing buzzing around that that, uh, was, um, influencing people. That's fun. That's kind of fun actually. Um, so, uh, but uh, yeah, ma west, um, uh, Currently, so major-os.org is the website. And, uh, does the content that we have there is growing.Um, so far we've built a, a distribution, a, a copy of magenta open source just to, uh, learn how the, the deployment mechanism works that that Magento has to, or Adobe has to turn this getup, this big monolithic, uh, getup [00:34:00] repository, turn that into an actual composer, distribution and packages. Um, and that's something that, uh, uh, uh, fi I has been working on together with, uh, Daniel SL and Damien has been helping their, uh, aunt on Syk from a one step checkouts has been, uh, very active there.Um, And, um, now the plan is to start building our own distribution, where we start adding our own features and box fixes and, uh, and accept merger requests there, which is,[00:34:33] Kalen: um, that's so exciting now, are you going to, are you, sorry, are you going to, um, as far as the way, this is gonna be structured, are you gonna have a base distribution that still maps to Magentos and then you're gonna have a layer on top of that in the form of separate yeah.That's why we[00:34:51] Willem: extensions or. . Yeah. That's why we first built the, the, the fork. So to say, so that's a dent copy to magenta [00:35:00] open source, and then that's not[00:35:02] Kalen: really fork. That's a that's that's like a distribution because it's identical.[00:35:07] Willem: Not yet. Well, so, well, a fork is a or mirror. It's a, it's a, a mirror. Yeah, it's a mirror.Yeah. A mirror. Okay. That's right. That's that's a better term. Yeah. So we have a mirror distribution. That's an exact copy of JE open source. And the cool thing is that we, we generate the new releases now also with a nightly edition. So that fixes the issue that people don't have access to releases to come out about this[00:35:32] Kalen: man.Yeah. I love it.[00:35:35] Willem: And then the next step is that on top of that. So we keep everything in sync, uh, and we keep rebasing rebasing to upstream. Um, so that we always stay compatible with, with the official Magental repository for as long as that as we can make that work. Um, and then we can start planning out, um, architectural changes, uh, extra packages that [00:36:00] we wanna put on top of that.Um, mm-hmm, maybe making Luma, uh, an, uh, optional package, uh, so that you can install Magento with just GraphQL, uh, or with just Luma or without a front end. And then you could put on top of that, for example. So, um, ah, that's so cool, man, that would solve some of the, the dependency issues and some of the performance issues.If you, if you're running. A hatless front and only then you don't need the Luma packages that only slow stuff down. Um, so yeah, that's, that's, that's really cool stuff. Um, I'm, I'm, I'm doing three or four, four meetings a week, um, on MAs, uh, that are each is , uh, at least an hour long. So that, that really takes up a chunk of my, uh, my work time.Mm-hmm um, and, uh, yeah, one of those meetings is a, is a, is a content. Content committee. So to say, while we're working on [00:37:00] Magento content for merchants, uh, we're trying to collaborate with, uh, the magenta association there. Uh, possibly we're gonna donate that as a, as a ready made website with content so that, uh, the magenta association can take ownership of that.Um, nice would be nice because then we can use some official Magental logo there as well as they are holding a nice, a, a trait model, or they have the rights to use the Magental logo, uh, on the website. Mm-hmm mm-hmm um, And then beside that, there's quite a lot of Magen association meetings now that, uh, I, and two other, uh, people have joined the, the board.So, uh, we're um, we're getting up to date there. Um, and we've normally, they, they always had one meeting a month, which is just crazy little if you want to achieve anything. Yeah. Um, yeah, so, um, we're now having two per month, but, uh, there's, there's some [00:38:00] extra small meetings we have in between just to get mm-hmm things up to speed and see, who's gonna take ownership over what particular committee that runs within the association.So that could be events or content or the podcast, or, um, all different, all different things are happening there. And, uh, we're working on. How we can streamline communication because I think that's the most important thing that's, that's lacking right now at the association, um, is, uh, communication of what is happening on the inside.And, uh, there's a lot of islands between all of these committees where community members are working, uh, and they don't know that much about what others are doing in other committees. Mm-hmm . Um, and one of the things that I wanna reevaluate is the current website that's being used, the platform that's being used for the McKen association website.Mm-hmm because that's being maintained by the external party and [00:39:00] everything that needs to be changed. There takes a long time and everything costs money mm-hmm mm-hmm and then we[00:39:06] Kalen: could just move that to more Ference sites. Yeah. Yeah. That should be something lighter weight. Yeah. Just have like[00:39:12] Willem: five, five, uh, uh, content editors that are approved yep.To make changes. Yep. And then take any contribution from community to, to, uh, to change pages and, uh, and have that refu emerged, uh, in[00:39:30] Kalen: some way. Yep. A hundred percent. Yep. That makes a lot of sense.[00:39:35] Willem: Yeah. And we're having meetings with Adobe about the Magental branding. Uh, apparently does a plan in the making how, how Adobe wants to continue communicating the Magental brand, uh, which currently.Isn't that clear. We see a lot of different communication coming out of Adobe from different departments. And it's not just this, not just one and this [00:40:00] Nu not one guideline that tells Adobe employees yeah. In what way they should communicate the Magental brand. And so currently, if you go to magenta.com, you're redirected to a Adobe page that says Magento is now Adobe commerce.And that has really angered me, um, because it's, it's false. And even if I talk directly to Adobe people and especially the decision makers, they're like, yeah, that's not the, that's not the right communication. That's not the right wording[00:40:30] Kalen: or accurate thing. Is that majo Medo, uh, Magento commerce edition is now Adobe commerce edition.Mm-hmm so I could understand the, the, the, the mix up there. Um, but yeah, the issue[00:40:42] Willem: there is that the organization. Adobe's such a big organization. They have a content department. Oh yeah. And a marketing department. And they, they get assigned to update a page and they're like, oh yeah. So, uh, I, I read that magentas now Adobe commerce and they put it there and then then if [00:41:00] you wanna get that change again, you need to go through 10 layers.Me as a community member, magenta community member need to go through 10, 10, 10 different shacks in a chain to reach their content apartment. And then they're like, well, I'm not sure if that's actually. I've read this document that says that Magento no longer is called that. So, yeah, it's, uh, it's, it's difficult, but they they're working on a plan to do that better and work more with the community together.Um, we're working on, on, um, uh, a better format to, for the maintenance of Magento open source for pool requests on the official Magental repository to, um, to get more influence from the community to get things changed in Magento core, um, which is, um, which is looking promising. So, uh, it's not gonna be the Magental LTS S YESS that that we've been, [00:42:00] um, that was a plan, a concept that we worked on for a long time, especially together with Eric EY mm-hmmAnd, um, at the time that he left it also became clear that, uh, not. Every department and Adobe signed off on that plan. And, um, and eventually they decided to, um, um, to focus on improving the workflow of contributions and, and, uh, um, giving more ownership to the community over the product in a different way than having two versions.They basically said, if it's so hard for us to maintain one version of magenta together with the community, then we're gonna make it even more complicated. If we're gonna have two versions of Magento and then find a way to, to, uh, to do that well. So they said let's just focus on one version of the product.Um, honestly,[00:42:53] Kalen: that makes sense to me. I know I still don't completely understand the short term and long term thing. I know you tried [00:43:00] explaining it to me once, but it, that makes sense to me, like,[00:43:05] Willem: you know, it's fine enough to, um, In the end, it all boils down to what the vision is that the Adobe currently has for open source.And that's what I want to get on the table. I, I wanna[00:43:18] Kalen: see, I, I could venture a guess, but I, but, uh, I think, I think I've thrown enough grenades this month. I'm gonna, I'm gonna,[00:43:28] Willem: I'm gonna hold. No, I, I just. I wanna get a, a as clear as possible picture of what Adobe wants to invest in open source and community and what the decisions are that they wanna make on, on that product and see how we can move forward together, uh, between the community and Adobe.And, um, yeah, it's, it's, um, it's a challenge for them to really oversee the big picture of community and the ecosystem and all of the actors that [00:44:00] are like the whole hosting extension vendor payment providers, all of the SaaS providers, the agencies, the merchants, the pictures, it's such a big picture to paint mm-hmm and to make them understand what, what the total value of that ecosystem is to Adobe mm-hmm and then how that could translate into.um, growth of the Adobe commerce product. Mm-hmm mm-hmm but yeah, it, it, it, it requires a, a good understanding and, and connection with the community from Adobe mm-hmm and, and all of the people that really had that connection with the community, talking about band marks and Eric airway, fairway, a lot of other, a lot of architects that, that were in touch with the community that left, um, she road who moved to the background, um, uh, you know, is what[00:44:55] Kalen: is her role now?And I was actually[00:44:57] Willem: Sherry moved to [00:45:00] developer relationships, um, more, uh, Adobe wide. So she does that for, um, uh, for multiple Adobe products. Got it. Okay. Um, got it. So, um, Yeah, she moved a little bit more, well, little bit, she moved away from the, the Magental product and, uh, from commerce. Yeah. From commerce.Yeah. And more into the other products at Adobe office. Got it. That makes sense. She's still, uh, um, she's still active in, um, in, um, keeping, keeping a finger on the, on, on the pulse, on the pulse with yeah. With her colleagues at Adobe seeing what's going on and giving them advice on how to, uh, collaborate with the community.So, um, yeah, I think she's, she's still somewhat involved in the background, but, um, mm-hmm yeah. Um, makes sense. Yeah. Uh, a lot of the, the key [00:46:00] figures that we knew from the conferences and, uh, and, and social media, they, they're no longer in that, in that role at Adobe. So, yeah. Yeah. It's hard to, uh, to, it's a, it's an[00:46:12] Kalen: evolving very message now it's, it's an evolving landscape on Adobe side of things.Yeah. Yeah.[00:46:20] Willem: And it's always, there's always new people coming to fill the spots if, if someone changes positions and it's just, it's the nature of organization like Adobe people are more focused on, on, on their career path and they fulfill certain role. And then. They get this really good opportunity at another company.And they feel like they they're up to a new challenge. I want to have a change of, of scenery. Um, and that makes sense, but it's harder for us as a community. I mean, we are we're here and we're staying here. We've been doing the Jetta stuff for more than 10 years. Yeah. And even if we do a career switch, it's likely that we still keep doing magenta stuff.[00:47:00] So we, we we're still here. And then, well, this, we,[00:47:03] Kalen: I mean, this is, what's so cool about me, Jos is that it's, it's, it's giving all of the long timers in the community, a place to really put efforts. Um, and, and like you said, hopefully this can all be one, one big happy family collaboration with, um, with, uh, Adobe and everything.And, um, that'll be best. I really. .[00:47:28] Willem: Yeah, I really see it as a playground currently where we can kind of explore in what way we wanna work with the magenta product and just see if we have the space to just innovate and do have total control of the product, what happens mm-hmm and then kind of use that as an inspiration.um, it's hard to define now towards Adobe to say like, well, if you allow us to, to do more with the product, you will get this and this and this and this. [00:48:00] That will be the result of that. Yeah. We don't have like a real, real, tangible, real something. You can really tell them this is the value that we will give to the product.If you allow us to.[00:48:11] Kalen: And by the way, as this progresses, let's say fast forward, six months, you start to get some of those, uh, additional features or additional improvements in the, uh, fork layer. I'm not, I'm probably using that word wrong, but in the, in the, in the, as you start to build out this section of code that is different from the mirror.And then as you start to get some traction from merchants or other areas in the community, then the conversation completely changes from, oh, can you do, can you please do this for us to, Hey, here's a feature that's valuable. Do you guys want it for free[00:48:46] Willem: it's battle test it. It's been used by[00:48:49] Kalen: couple. And then it has independent once it has independent traction.And once you get a, a merchant that's on their radar that, um, that cares about [00:49:00] that and asks them about that, that's where the, the, the entire dynamic completely changes to where they go. Yeah. That, okay. Yeah, go ahead. Let's do it. Um, and so I, I it's, you know, it's funny, it's, it's actually historic because the magenta community has been talking about a fork forever.Right. And there have been different attempts at a fork, and they've essentially none of them have really gone anywhere, um, for, I mean, for, you know, all intents and purposes. So the fact that this is actually happening is, is pretty cool. I mean, um, just from a historical standpoint,[00:49:38] Willem: Yeah. Yeah. And one of, one of the focuses that I've added to the mix now, like we, we, we started very European centered because we just, I mean, you know, the time difference between just us two is so complicated to schedule things.Um, if you have three time zones, I now see with the magenta association, we have people from [00:50:00] AZA, Europe and America. Yeah. That's impossible. That means the only time that I can do meetings with the association where everyone is in daytime is for me is half us five, uh, an evening. Um, then we can have one and a half hour while we can talk while, um, America has the morning and Asia has their evening.Um, so it's, it's the only time that we can schedule calls now. Um, and with major west, we just, we went for, for, for velocity so we can get things we can achieve things fast. Yep. Um, and then we started to include people from more, uh, from the Americas. Um, so then we needed to move our meetings to the end of the day, so that it's the morning for the us.Uh, and now I'm, I'm really trying to find ways how we can reach all of the other areas like, uh, south America, people from Asia try to, [00:51:00] to that's include more ity.[00:51:02] Kalen: I was actually talking to somebody in south America about this who is a, you know, community oriented, um, person that, um, was asking, you know, Hey, are you getting involved?And, you know, they were saying, well, you know, you don't really have any, any representation from Latin America at the moment on the, on the thing. And so, um, I was thinking that would be. Um, you know, and, and, and I'm all about, Hey, you gotta, you gotta get started. We're it makes sense. It's in Europe. Awesome.You guys are getting things going, but as you start branching out, um, you know, I was just say, get, get somebody like that. Or obviously there's a number of people who could, who could fill that role. Um, whatever it looks like if it's not on the actual board, or I don't know how the board is structured, but if you can get people like that to get a little bit involved and have some visibility, I think, I think that's exactly what you already said that you're, that you're working to do.Yeah. But I think that that's mostly in the messaging[00:51:59] Willem: [00:52:00] ownership. Yeah. It's mostly in the messaging to, to really. Um, invite people in, I mean, so many things that we do are completely open mm-hmm or I think the most transparent organization currently out there in the community hundred percent, but you can, you can just, you can join our, our discs, it's chat.mas.org.Um, you can see, uh, when the meetings are happening. So we announce all the content meetings and the technical meeting. We announce those on disco with the link. Anyone can join and listen in and share their IDs. Um, anyone can pick up a task on this distribution and the, the mirror that we're building. Um, but it, I mean, to get involved with a community, you need to like step in and get.We can't really, I can't pull you in to feel engaged with us because you need to, it's like at a conference, the Pacmac, uh, Pacman principle. Yeah. When you [00:53:00] stand in a circle and you keep the circle open so that anyone that is interested can join, they can join a conversation and then they become part of it.But so we're not me. Mutuals is not like a closed circle. It's very much open, but it, it depends on the person that wants to join to step into that circle and just start listening in. And then as soon as they feel like I have something, I have something to ask or something to, to contribute here. And that's how.I mean, I, I didn't really get into the community. Really got the feeling that I became part of the magenta community until I did my first hackathon. Yeah. Uh, I went to a lot of conferences and I, I listened to people and I met some people, but it was hard to connect. And then the first time I did a hackathon, uh, was especially Peter up from Hans who really.Made me feel part of, of their little team and, um, invited me in and from there I started to feel part of the community. Yeah.[00:53:58] Kalen: And it's yeah. And a [00:54:00] hundred percent. I agree there. I think that for particularly, if there are people that have been longtime contributors in the community and for whatever reason, they haven't had the reason to get involved in majors.They've just been busy with work. They've been whatever. I think that, and I think I, this is where I'm starting to see what my role can be with this whole community building thing is to, it could be as simple as being like, Hey, you know, here's somebody in Latin America, that's been an active contributor for a long time.How can we plug them in? What's a, what's a low hanging. Where we can say, Hey, uh, it could be as simple as maybe there's localization stuff that you guys wanna do and say, Hey, let's just make this person assuming that they have a little bit of time. They can dedicate to it. Like here's somebody that would make sense to plug in doing localization or, um, you know, some, some, some minimal level of, uh, I guess the way I think of it is [00:55:00] what is the, what's the minimal level?Let's say, we wanna say, let's say we wanna add a, a Latin America representative, uh, today, right? What's the low everybody's busy, right? Everybody, they may not have a specific thing that they want to go do a pull request for or whatever, but what is the lowest hanging fruit where we can say, Hey, can you commit an hour a month?Can you commit an hour, a quarter to do X, X could be as simple as. I'm gonna talk about it on social media. It could be as simple as add me to the website. And if there's anybody in Latin America who now they have a friendly face. Now they have a point of contact. Um, it could be as I think as, and then as they see representation from their neck of the woods on the website or whatever the official thing is, then I think that'll help to build traction.Um, mm-hmm in addition to all of the other ways that you currently have to build traction [00:56:00] it's[00:56:01] Willem: so I've also been thinking it's so hard to classify. What, what a community member. Means like, when are you, when it's the feeling? The, the mm-hmm, the only thing. Like you making someone feel like they belong and they are part of a hundred percent.Yeah. Do they need to contribute for that? No, but, but how, how can you make them feel belong belonging if they, if they don't interact or if they don't join, join the disc or join the slack or join the conversation, then it's really hard to really, to, to get a, get a feeling of a people feel included or not.[00:56:45] Kalen: Um, and when I, when I had this particular conversation, I could tell it was a feeling thing. It was a, it was like, oh, so what, what do you think about ma major? Because I generally. Everybody is super excited about may Joss. And, um, and then [00:57:00] it was like, oh, well, you know, there's nobody from Latin America on the thing.It's all Europe. And I could te and I understand the reasons why that's the case. And I think what you guys were doing to bootstrap is fantastic, but I also could understand. The feeling, the subjective feeling somebody might have, who's been active in Magento for a decade that goes, well there, like there's nobody there.Right. And, and so I, I'm just saying what's the simplest way. We can add people there from different places. Um, and, and, uh that's but I, I agree with you, it's a subjective thing, right? Like you have a very clear objective path. If you wanna get involved, get involved. There's no barriers. There's no, nothing.Just go for it. Um, yeah, but I think there, there, there's a, there's a feeling that people have if they're not, if they're not invited in, right. Like I think if somebody's been active in a Magento for a long time, they care about it. It matters to them. [00:58:00] Let's invite 'em in, let's just invite 'em in whatever that means.And I can literally be the person to do that. I can figure out how to. Invite them in whatever that means. Mm-hmm , you know[00:58:10] Willem: what I mean? Yeah. Yeah. So it's something I've been thinking about for a while now. What if we can organize certain, certain meetings or, uh, actually ever since I, I mentioned this, uh, at major S uh, phai has been live streaming, all of his work he does in the weekends.He usually works on major west on Sunday, and then that's cool in desk. He does this water cooler where you can just, um, which is basically chat room mm-hmm and, um, he usually tweets like, oh yeah, I'm now live coding and, uh, join, join. And, uh, and talk with me, see what I'm doing. That's cool. Um, yeah, it's, it's um, it's hard to get.To get connected with people that, that you're not connected with. Y like [00:59:00] we can tweet, Hey, please join us. But then if someone doesn't feel personally invited and I don't know who that person is, how do I[00:59:10] Kalen: reach? Well, I'm just saying, so that can li I'm just saying I can literally do that. Like, that can be my little way of helping out is if mm-hmm to the extent that you care about my feedback.I can say, Hey, here's somebody let's plug 'em in. Let's do it in a way that's really easy and simple and doesn't require anybody's time. And I think will help, I think will help the build traction in different[00:59:32] Willem: places. Yeah, I would, I would just love seeing new faces on these meetings that we have on the content and the tech, uh, meetings that we have.Um, we're working on the diversity and inclusion thing. I think fi I wrote a block post that's going to be released this week. Uh, Chilan from one sub checkout. She, um, she's been working that with fi I, um, so, um, there's a plan. There's a plan there to see how we can include more people. Um, [01:00:00] it's one of the reasons I'm also very excited about New York is because I know a lot of people from, uh, Latin America and, uh, Asia will be coming there that I've never seen in person yet.So, um, yeah, I wanna brainstorm with them like what people like VGA, Kalani, uh, who has so much connections, um, with, uh, with the community and Asia, uh, what his ideas are, how we can, how we can get, get people from, um, from those regions involved totally now. So it's yeah, it's not unwillingness. Yeah, how it's it's just, I'm[01:00:36] Kalen: not difficult.It's no, I'm not saying, and I'm not saying it's, it's, it's unwillingness by any stretch. Everybody's busy. You're stretched to the max everybody's, everybody's doing a bunch of stuff. Uh, and we can talk more about it offline. I, I basically, um, uh, have some, you know, I think that, and I think it'll continue to happen, but I'm just, I have some ideas that I think could accelerate it.Um, speaking of New York, [01:01:00] the official ma talk me, I, I think this might be the second ever ma talk, meet up. I think we did one at imagine it was pretty fun back a few years ago. Um, got a little bit of trouble because we overlap with some other official and they imagine stuff, but that's okay. Um, so we have 40, like 41 people of RSV peed.And, um, and so, and then you got anxious. Did I get anxious? I got a little, I guess I did get a little, if I don't think about it, I don't get anxious if I think about it, you know, are we gonna kicked out? Maybe who knows, who cares? It'll be fun if we get kicked out or if we don't get kicked out of the, of the bar where we're at.Um,[01:01:47] Willem: yeah. So look, we, we might be moving to a different location that, uh, that can, um, accommodate more than 40 people. Yeah.[01:01:56] Kalen: We'll link to the LinkedIn event and you can find the location there. So [01:02:00] we'll figure that out. We, I didn't know if we'd have three people RSVP or what, but, so when we went over 40, I was like, okay, alright, good times.[01:02:10] Willem: Yeah. I, I think we'll, we'll probably get a bit more than that even, uh, as the events grow near.[01:02:19] Kalen: I think so, man, I think so.[01:02:23] Willem: So that should be fun. It's gonna be fun for sure. I'm[01:02:25] Kalen: excited. Yeah. I'm excited about New York.[01:02:29] Willem: A lot of west people will be represented.[01:02:32] Kalen: Are you like six of five? How tall are you? I keep imagining what it's gonna be like to meet you in person.[01:02:38] Willem: I can't tell you an American. I can tell you in European. Tell me[01:02:42] Kalen: European[01:02:44] Willem: meters one meter 98.[01:02:46] Kalen: Ah, okay. Okay. So you're almost okay, so you're tall almost two meters. Yeah. Okay. Okay. Good, good, cool. I was imagining you cowing over me in person.[01:02:57] Willem: I, I can adjust. [01:03:00] doing, I won't look down on you, but, um, yeah, we, we have four or five people from hos, uh, joining the, the meet up as well.And um, there's gonna be four people including me from the association. So that's also wait, dude, are you like[01:03:20] Kalen: six foot four? Dude, you're giant. If that's one meter 98, you're a giant Viking dude. Holy[01:03:28] Willem: cow. Six foot four, two centimeters.[01:03:37] Kalen: You're taller than six, four. You're like six, five,dude. You're like, this is madness.[01:03:48] Willem: 6, 6, 6, 6. Holy[01:03:53] Kalen: it's giant, bro. like, you could be a, you could be a basketball player. [01:04:00] You look so regular height on zoom on a, on Riverside[01:04:10] Willem: uh, anyway, um, uh, we have, uh, Slava. Uh, fatal me and Danny, uh, from the association all coming to the meetup as well. Uh, so I think we can have a really good conversation between the different organizations and the community there mm-hmm so I'm really looking forward to that. Let's make some plans for, uh, the best domination.Yeah. And the best possible future for, uh, magenta open source between us, the community, us as the community and Adobe[01:04:51] Kalen: and the major board yacht club. Don't forget about the ma board yacht club, please. Yeah. Gotta keep that in the mix. at all possible. I have kids to [01:05:00] feed, do it for the kids, do it for the children.[01:05:04] Willem: um, good. Um, let's wrap this up. Shall we? Yeah, let's do that. And we have one coming up. That's gonna be focused on Magental extensions. Oh, yes. An[01:05:17] Kalen: episode. Yeah. We, we talked to P P PJ Peter yacht about doing that. Yeah. So that'll be, that'll be fun. Um, so we'll see when we'll get that scheduled in. Um, so yeah, good times.Thanks everybody for tuning in and we will see you next week.[01:05:38] Willem: Bye. Ah,

After a long legislative and regulatory advocacy effort, federal thrifts can finally elect “covered savings association” status, allowing them to exercise national bank powers without having to change their charters, holding companies or cultural identities as savings institutions. On the latest episode of the ABA Banking Journal Podcast — sponsored by Jack Henry — two experts walk through why eligible federal savings associations may wish to approach this election. Luse Gorman attorney Larry Spaccasi and ABA SVP Joseph Pigg discuss ABA's role in winning passage of HOLA flexibility under the S. 2155 regulatory reform law and its more recent advocacy with the Federal Reserve to ensure institutions can benefit from the election at the holding company level, as well as the factors that thrift leaders can consider when deciding to make the election to become a CSA. Spaccasi and Pigg will be joined by a bank CEO to elaborate on these topics in greater detail at ABA's Annual Convention, Oct. 2-4 in Austin.

@KateBiondo is the #CEO of @GalacticCooperative which is a #workerownedcoop.Kate is the first guest of a four-episode series on #cooperatives and #mutuals brought to you by @BCCM (Business Council of Cooperatives & Mutuals)We chat about the decision to start business life as a cooperative, what that involved and the different benefits.  In our discussion we cover;The decision to implement a #cooperativemodelBeing a #workerownedcooperative and giving #employees the ability to go with what works for themThe difference #cooperatives are making in #businesses and #communitiesThe need for #businessowners to come together to #collaborate for greater #supplychain efficiency and increased access to #export opportunitiesBuilding and growing via #umbrellabusinessmodel (with other businesses underneath)How taking on more responsibility brings about more benefits for a businessHow and why taking a different approach to business operations is beneficialThe #barriers you may face when it comes to making a business a cooperative#Sustainableapproaches to #businessmachinery and #equipment to create a #circulareconomy of #recyclingThe day-to-day challenges faced by small business owners and having they can be dealt withThe importance of meetings involving everyone, not just management, as “input is needed from everybody”Why it is important to plan an array of timelines for where you want your business at different stages in the futureHow #workerownedcooperatives allow for more open discussions and time for decisions about future plansHow #cooperatives see investments in the business relative to the people that make up the businessHow #cooperatives allow for other opinions and experts to join the team to help grow and structure a #smallbusinessThe future of cooperatives  

Michael Cavanagh sat down with The Lockyer Fruit and Veggie Cooperative's Colin Dorber – the driving force behind the co-op and a man committed to the future prosperity of the Lockyer Valley region. Follow Us On:Facebook – coopfarmingInstagram – coopfarming Episode Notes: This month, we hear the inspiring story of Queensland's Lockyer Fruit and Veggie Cooperative which is helping to create an Australian-owned processing facility for locally grown produce. This co-op is designed to allow everyday Australians to support our farmers and contribute to ongoing food security. Michael Cavanagh sat down with Colin Dorber, the driving force behind the co-op and a man committed to the future prosperity of the Lockyer Valley region. Links and resources: Listen to all podcasts – https://coopfarming.coop/podcasts/ Find out more about The Lockyer Fruit and Veggie Cooperative Ltd – https://lockyervalleyfoods.com.au/ Find out more about co-op farming – https://coopfarming.coop/ Subscribe to our monthly Co-operative Farming e-newsletter – https://coopfarming.coop/subscribe-to-our-newsletter Contact the Meet the Co-op Farmers Podcast team – https://coopfarming.coop/contact/ If you or your community want to know more about setting up and running a co-op, contact the Business Council of Co-operatives and Mutuals – https://bccm.coop/ See omnystudio.com/listener for privacy information.

When you come to the end of a hot day, a blowout will happen and does. But the game is a pleasure Corky Gaskell stops by and we do our best. A pleasure to watch these 2 clubs for the first time. 

Barrel Roller travels to Old Bethpage for the Doc Adams Vintage Base Ball Festival and is able to chat with Kelley Schultz before he turns his attention to recording some matches. Kelley is an architect...pretty damn good one! She has the perfect marriage, she loves life basically. But the commute...ooooof!

In this month's podcast, we again focus on one of the leading co-operatives in the flood-ravaged Northern Rivers region of NSW – The Casino Food Co-op. Rural journalist Michael Cavanagh sat down with Simon Stahl, CEO of The Casino Food Co-op, the largest farmer-owned meat processing co-op in Australia with over 500 farmer members. Farming is an inherently difficult vocation, but knowing the Co-op has got their back has helped members navigate drought, fires, COVID-19 and more recently the devastating floods. Its people-first philosophy allowed them to support their community through this traumatic event. Discover why The Casino Food Co-op is such an asset to its community, and what the future holds for this forward-thinking co-operative. Follow Us On:Facebook – coopfarmingInstagram – coopfarming Links & Resources: Listen to all podcasts – https://coopfarming.coop/podcasts/ Find out more about The Casino Food Co-op – https://thecasinofoodcoop.com.au Read our story The secret behind The Casino Food Co-op's success: The power of community – https://coopfarming.coop/stories/the-secret-behind-the-casino-food-co-ops-success-the-power-of-community Find out more about co-op farming – https://coopfarming.coop/ Subscribe to our monthly Co-operative Farming e-newsletter – https://coopfarming.coop/subscribe-to-our-newsletter Contact the Meet the Co-op Farmers Podcast team – https://coopfarming.coop/contact/ If you or your community want to know more about setting up and running a co-op, contact the Business Council of Co-operatives and Mutuals – https://bccm.coop/ See omnystudio.com/listener for privacy information.

The Northern Rivers region of NSW is no stranger to floods. But this resilient community has been stretched to breaking point this year, with record-breaking floods reaching heights beyond what anyone had ever imagined. Rural journalist Michael Cavanagh joined John Williams, CEO of Summerland Credit Union, to find out what drives this member-owned bank to keep going in even the toughest circumstances. Discover why member-owned banks are an important part of the Co-operative Farming family, how Summerland's co-operative values have informed its flood response and why Summerland is optimistic about the future. Discover more about the bank that's putting its members first and strengthening the capacity of its community to recover from the 2022 floods. Follow Us On:Facebook – coopfarmingInstagram – coopfarming Links & Resources: Listen to all podcasts – https://coopfarming.coop/podcasts/ Find out more about the Summerland Credit Union – https://summerland.com.au/ Read our story How Summerland Credit Union is helping the Northern Rivers get back to business – https://coopfarming.coop/stories/how-summerland-credit-union-is-helping-lismore-get-back-to-business Find out more about co-op farming – https://coopfarming.coop/ Subscribe to our monthly Co-operative Farming e-newsletter – https://coopfarming.coop/subscribe-to-our-newsletter Contact the Meet the Co-op Farmers Podcast team – https://coopfarming.coop/contact/ If you or your community want to know more about setting up and running a co-op, contact the Business Council of Co-operatives and Mutuals – https://bccm.coop/ See omnystudio.com/listener for privacy information.

Ticker: $BBLN. Dr. Ali Parsa shares timeless lessons with the audience in today's SMC episode! He is a British-Iranian healthcare entrepreneur and engineer. He's the founder and CEO of Babylon Inc. (BBLN), the revolutionary AI and digital health company that's now in 17 countries globally, nine of which launched in 2020 (including the U.S.). Babylon's mission is to put an accessible and affordable health service in the hands of every person on earth. Dr Parsa was listed in The Times 100 people to watch. The Health Service Journal recognized him as one of ‘the 50 most influential people in UK healthcare.' He was featured in the Maserati 100, a list that recognizes game-changing entrepreneurs. He's a UK Cabinet Office Ambassador for Mutuals and has a PhD in Engineering Physics. --- Support this podcast: https://anchor.fm/smartmoneycircle/support

When the town of Sea Lake was left with no local pub, the community took matters into their own hands, renovating a derelict building and opening the Royal Hotel as the Sea Lake Hotel Co-operative Limited. Rural journalist Michael Cavanagh caught up with the co-op’s chair, John Clohesy and secretary, Alison McClelland. In this podcast you will learn why the Royal Hotel is such an important part of the Sea Lake community, how their previous experience in running a hardware co-operative helped the community embrace the co-operative model again, and how running the Sea Lake Hotel Co-operative has united this small community, given the town a tourism boost and provided locals with a sense of self-agency. Follow Us On:Facebook – coopfarmingInstagram – coopfarming Links & Resources: Listen to all podcasts – https://coopfarming.coop/podcasts/ Read about the Sea Lake Hotel Co-operative Limited – the community co-op that revitalised a condemned pub – https://coopfarming.coop/stories/community-co-op-revitalises-condemned-pub/ Find out more about co-op farming – https://coopfarming.coop/ Subscribe to our monthly Co-operative Farming e-newsletter – https://coopfarming.coop/subscribe-to-our-newsletter Contact the Meet the Co-op Farmers Podcast team – https://coopfarming.coop/contact/ If you or your community want to know more about setting up and running a co-op, contact the Business Council of Co-operatives and Mutuals – https://bccm.coop/ See omnystudio.com/listener for privacy information.

Who runs the world? Girls of course. C'mon, everybody knows that because of Beyonce. But what happens when those girls get together and create a gang of fans?In our latest episode of Everything is Better with Creators we get to the heart of fandoms, NGIs and Stans with Jaime Bilotti, founder of Fan To Band and mutuals Agency.Learn about how social media has played a part in bringing people to life at conventions, concerts and might even have a hand in what gets onto your favorite music artists next album.Also the return of Whalar Watching with resident in-house fandom and Gen Z expert and extradordinaire, Riley Jae Nunes.Everything is Better with Creators is produced by Whalar.Whalar. We power the creator economy.Learn more at http://whalar.com#creators #creatoreconomy

Mining companies and farmers are frequently adversaries, with very different plans for the natural resources in a region. However, through the formation of a co-op, Eyre Peninsula Co-operative Bulk Handling (EPCBH), the relationship between local grain growers and mining company Iron Road is characterised by co-operation, open communication and a genuine desire to create mutually beneficial outcomes. Agricultural journalist Michael Cavanagh talks to Tim Scholz, who is a farmer in the region, as well as director and chief executive officer of EPCBH and principal of stakeholder engagement with mining company Iron Road. In this podcast you will learn: how local grain growers and a mining company are working together to find a win-win situation, how the planned deep-water port at Cape Hardy could allow for grain and magnetite exports, and possibly even more, why co-ops give small farmers a voice and can empower them to collectively address sustainability challenges impacting their businesses and the wider community. Follow Us On:Facebook – coopfarmingInstagram – coopfarming Links & Resources: Listen to all podcasts – https://coopfarming.coop/podcasts/ Read about Eyre Peninsula Co-operative Bulk Handling – the co-op that's creating new opportunities for Eyre Peninsula grain growers – https://coopfarming.coop/stories/epcbh-the-co-op-thats-creating-new-opportunities-for-eyre-peninsula-grain-growers/ Find out more about co-op farming – https://coopfarming.coop/ Subscribe to our monthly Co-operative Farming e-newsletter – https://coopfarming.coop/subscribe-to-our-newsletter Contact the Meet the Co-op Farmers Podcast team – https://coopfarming.coop/contact/ If you or your community want to know more about setting up and running a co-op, contact the Business Council of Co-operatives and Mutuals – https://bccm.coop/ See omnystudio.com/listener for privacy information.

The Five Mutuals for Effective Business Relationships – Belk on Business – Episode 137 1) Mutual core values – commonality of purpose and values that underly manner of operating and relating 2) Mutual respect – individual/company hired for skillset. Is there a trust when there is a lack of clarity or understanding? 3) Mutual listening – both parties let the other finish thoughts, listen to understand, not to react. Good communication across platforms 4) Mutual agreement – deliverables and expectations 5) Mutual understanding – no perfect relationship but willingness to work together through difficulties to achieve success. Both parties desire to see the other succeed. Subscribe on these platforms: Apple Podcast: https://apple.co/2Zp6hgj Spotify: https://lnkd.in/gcWDnFZ Stitcher: https://bit.ly/34aRgO2 YouTube: https://youtu.be/KMoT83ksH0I

This picture of Dr James Goldie has him with multi-coloured hair, but it always seems to be changing and I even saw one picture of him with green hair. Dr Goldie is from Monash University's Climate Change Communication Research Hub. The Australia Institute has many fascinating webinars and an equal number of fascinating guests and the latest, from Wednesday, March 23, was Chris Barrie: "A Climate for Leadership: how Australia should respond to increasing disasters". Other Quick Climate Links for today are: "We need to talk about these floods | with Sue Higginson"; "SEC Proposes Landmark Rule Requiring Companies to Tell Investors of Risks Posed by Climate Change"; "Huge cost blowout causes some farmers to withdraw support for new Queensland dam"; "Seymour Alternative Farming Expo"; "Farmers for Climate Action"; "The Australia China Business Council invites you to the Australia-China Agribusiness Summit"; "Donate to create marine parks for our wildlife"; "Shell U-turn on Cambo oilfield would threaten green targets, say campaigners"; "Why we need to get back to thinking of co-operative and mutual enterprise as a social business"; "Mutuals see greater role in disaster resilience"; "Tornado Cuts Destructive Path Through New Orleans as Storms Threaten South"; "The Wentworth Project: polling shows voters prefer Albanese for PM, and put climate issue first in ‘teal' battle"; "Saving the Great Barrier Reef: these recent research breakthroughs give us renewed hope for its survival"; "Thinking of swerving high fuel prices with an e-scooter or e-bike? 5 crucial questions answered"; "If the UN wants to slash plastic waste, it must tackle soaring plastic production - and why we use so much of it"; "Insider blows whistle on Australia's greenhouse gas reduction schemes"; "Morrison government committed $5.9bn for dams without advice from water infrastructure board"; "UN mission must see coral bleaching to get ‘whole picture' of Great Barrier Reef, experts say"; "Dropping seeds by drone, Telstra starts carbon farming to offset its emissions"; "There is something acting a lot like a carbon price in our economy and it is called risk"; "The global system for rating companies' ethical credentials is meaningless"; "France's TotalEnergies 'unable to end' Russian gas purchases"; "Opinion: Why Food Production Is Critical to Climate Change"; "River: Australian documentary narrated by Willem Dafoe highlights the importance and precarity of rivers worldwide"; "For a successful green transition, a data-driven culture is vital"; "Pilbara rock art custodians want WA government, Woodside to hit pause on Burrup projects"; "Leave the car keys at home. We need to get back on public transport"; "Can wind and solar power replace coal in Texas?"; "The remote Shetland Islands are a surprising leader in the race to net-zero"; "Hurricane Michael Hit the Florida Panhandle in 2018 With 155 MPH Winds. Some Black and Low-Income Neighborhoods Still Haven't Recovered"; "In almost every state, over half of all women of color earn less than a living wage"; "How Europe Got Hooked on Russian Gas Despite Reagan's Warnings"; "Spain mulls price cap for gas plants to bring down power bills"; "Activists protest tanker as Russian oil imports flow into US ahead of ban"; "Span raises $90M to make smart panels the gateway to home electrification"; "Why ​‘maladaptation' is getting so much attention"; "We need to talk about how we talk about natural gas"; "Insider blows whistle on Australia's greenhouse gas reduction schemes"; "‘We need support': Councils beg federal government for stronger climate action"; ""Everyone disagrees with him”: Turnbull takes aim at Angus Taylor"; "UN chief calls for extreme weather warning systems for everyone on Earth"; "Inside Dan Ilic's latest plan to take on fossil fuel-funded candidates at the election"; "Kids born in 2020 may live through about 7 times as many heat waves as their grandparents"; "12 books on climate, conflict, and oil"; "Reef bleaches again as new report shows Australia to “blow emissions budget by double”"; "Chile approves the Rights of Nature"; "Fossil Free Research is a new campaign to end the toxic influence of fossil fuel money on climate change-related research"; "Climate change is ‘going to get a lot worse'"; "Senior ex-ADF officers name climate change as Australia's biggest threat". Enjoy "Music for a Warming World". Support the show: https://www.patreon.com/climateconversations

In this Meet the Co-op Farmers episode rural journalist Michael Cavanagh talks to Peter Fraser, President of Community Energy 4 Goulburn (CE4G) and board member of Goulburn Community Energy Co-op. The co-op is stepping up to provide their local community with the opportunity to invest in solar energy, and to become changemakers through community-owned renewable energy. In this podcast you’ll learn how the local community in Goulburn and its surrounds got behind the vision for solar energy, why the co-operative model was the ideal solution for the project, how the co-op is allowing everyday Australians to invest in and support renewable energy and why this project is good news for regional Australia. Follow Us On:Facebook – coopfarmingInstagram – coopfarming Links & Resources: Listen to all podcasts – https://coopfarming.coop/podcasts/ Read about the co-op’s long journey and discover why their powerful vision is becoming a model for other communities – https://coopfarming.coop/stories/goulburn-community-energy-co-op/ Find out more about co-op farming – https://coopfarming.coop/ Subscribe to our monthly Co-operative Farming e-newsletter – https://coopfarming.coop/subscribe-to-our-newsletter Contact the Meet the Co-op Farmers Podcast team – https://coopfarming.coop/contact/ If you or your community want to know more about setting up and running a co-op, contact the Business Council of Co-operatives and Mutuals – https://bccm.coop/ See omnystudio.com/listener for privacy information.

In this Meet the Co-op Farmers episode we discover the bank that’s well-known globally as the world’s biggest agricultural bank. Rabobank Australia is a subsidiary of Rabobank, the global co-operative bank based in the Netherlands, and is committed to operating with the same co-operative mindset and commitment to farmers, agriculture and global food security. Rural journalist Michael Cavanagh sat down with Marc Oostdijk, General Manager Knowledge and Networks, Sustainability and Community Engagement at Rabobank to find more about this bank with a big heart for farming and farmers. Follow Us On:Facebook – coopfarmingInstagram – coopfarming Links & Resources: Listen to all podcasts – https://coopfarming.coop/podcasts/ Read our story about the co-operative spirit and origins of Rabobank – https://coopfarming.coop/stories/the-co-operative-spirit-of-rabobank/ Find out more about co-op farming – https://coopfarming.coop/ Subscribe to our monthly Co-operative Farming e-newsletter – https://coopfarming.coop/subscribe-to-our-newsletter Contact the Meet the Co-op Farmers Podcast team – https://coopfarming.coop/contact/ If you or your community want to know more about setting up and running a co-op, contact the Business Council of Co-operatives and Mutuals – https://bccm.coop/ See omnystudio.com/listener for privacy information.

Marissa Costello is the general manager of one of Australia’s longest-running co-operatives, the Killarney Co-op. Serving the residents of the Queensland town of Warwick and its surrounds, this co-op has been on an impressive journey over the last century. Marissa Costello and Michael Cavanagh reflect on the first 100 years of the Killarney Co-op, from the early days as a butter factory, to its present setup with multiple retail outlets including a supermarket, an electrical appliances retailer, a hardware, a petrol station, a rural supplies store and a post office. They also talk about the generational legacy of the co-op, as well as how the co-operative movement is placed to offer community-based solutions in our ever-changing world. Follow Us On:Facebook – coopfarmingInstagram – coopfarming Links & Resources: Listen to all podcasts – https://coopfarming.coop/podcasts/ Read our story on this new meat co-op – the Killarney Co-op – https://coopfarming.coop/stories/australias-most-co-operative-town/ Visit the Killarney Co-op website – http://www.killarneycoop.com/ Find out more about co-op farming – https://coopfarming.coop/ Subscribe to our monthly Co-operative Farming e-newsletter – https://coopfarming.coop/subscribe-to-our-newsletter Contact the Meet the Co-op Farmers Podcast team – https://coopfarming.coop/contact/ If you or your community want to know more about setting up and running a co-op, contact the Business Council of Co-operatives and Mutuals – https://bccm.coop/ See omnystudio.com/listener for privacy information.

"Paddock to Plate" is our fascinating conversation with the founders of a new food co-op on the stunning Fleurieu Peninsula in South Australia. Have a listen to discover how a disused abattoir has become the centre of an emerging paddock to plate food network. Grant Baker and David Parsons, driving forces behind the co-op discuss how a meat processing co-op will meet local demand and assist producers from the Peninsula to get their top-quality produce onto supermarket shelves and restaurant tables further afield. Grant and David explain how the BCCM helped the community to explore how a co-op was the right model to work together on their shared vision for an interconnected food supply chain to produce and market the region's trustworthy, ethical, high quality food. Follow Us On:Facebook – coopfarmingInstagram – coopfarming Links & Resources: Listen to all podcasts – https://coopfarming.coop/podcasts/ Read our story on this new meat co-op – The Fleurieu Community Co-operative – https://coopfarming.coop/stories/from-paddock-to-plate/ Find out more about co-op farming – https://coopfarming.coop/ Subscribe to our monthly Co-operative Farming e-newsletter – https://coopfarming.coop/subscribe-to-our-newsletter Contact the Meet the Co-op Farmers Podcast team – https://coopfarming.coop/contact/ If you or your community want to know more about setting up and running a co-op, contact the Business Council of Co-operatives and Mutuals – https://bccm.coop/ See omnystudio.com/listener for privacy information.

In Episode 86, “A Future for All,” Blenheim Partners' Gregory Robinson speaks to Tony Stuart, Chief Executive Officer of UNICEF Australia.In an eye-opening discussion, Tony shares with us the sobering reality children from the most disadvantaged and marginalised sectors in Australia and around the world face; the threats to their safety as they grow up in a society rife with conflict and disasters. He also sheds a light on UNICEF's efforts to keep children safe, provide education, nutrition and health care as well as to support their long-term development and wellbeing.While Australia remains one of the richest countries in the world, some 3 million people, including more than 731,000 children are living in poverty. To find out more about UNICEF Australia and to support this most worthwhile of causes, please visit www.unicef.org.au.Tony also currently serves as Chair of the Australian Charities and Not-for-Profits Commission Advisory Board and is a member of the Prime Minister's Community Business Partnership. Previously, Tony was the CEO of the National Roads and Motorists' Association and Sydney Airports Corporation. He also recently chaired the Not-for-Profit Advisory Board to the National COVID-19 Commission, was a founding Director of the Business Council of Co-operatives and Mutuals, and a former Director of the Heart Research Institute of Australia and the Starlight Children's Foundation National Board.

When Target announced the closure of its much-loved Cootamundra store, the locals quickly realised they would need to travel to Young or Wagga to buy many of their everyday essentials - even bras and briefs. An offhand comment by Cootamundra resident Leigh Bowden, "why don't we start a co-op?", marked the start of a long but exciting journey that has seen substantial progress made towards opening a member-owned retail co-op in the town. Leigh shares with Michael Cavanagh the current progress of the Cootamundra District Co-op, as well as the highs and lows involved in pioneering a co-op: finding the first members, raising capital, securing supplies and establishing a spirit of co-operation (and not competition) with the other local retailers. If the co-op successfully opens its retail store, it will be a major victory for the board, the members and the local community. But if their vision doesn't quite come to fruition, Leigh and her team of dedicated volunteers will know that they did everything they could to help their Cootamundra community. Follow Us On:Facebook – coopfarmingInstagram – coopfarming Links & Resources: Listen to all podcasts Find out more about the Cootamundra District Co-op Find out more about co-op farming Subscribe to our monthly Co-operative Farming e-newsletter Contact the Meet the Co-op Farmers podcast team If you or your community want to know more about setting up and running a co-op you can contact the Business Council of Co-operatives and Mutuals for some friendly assistance.See omnystudio.com/listener for privacy information.

non@MelinaMorrison #CEO @bccmau (Business Council of Cooperatives and Mutuals) has championed, advocated and made the case for #mutuals and #cooperatives for more than 20 years.  She passionately believes in this way of doing business and in this epsiode we get to hear her make a compelling case. She is also currently a member of the @IAG (Industry Advisory Group)  on #FarmCooperatives. Prior to @bccmau she was a founding director of Social Business Australia.In our discussion we get a comprehensive overview into the how's and why's of #mutuals and #cooperatives and cover;the very long history#romantimes was the first idea of #insurance or #poolingriskthe word divvy, dividend or divvying came from #Cooperative#coops date back to the middle of the 18th century when people;got interested in coming together and forming financial services institutions, which became #CreditUnions #buildingsocieties, and now they're called #MutualBanks, andpeople needing to be able to collectively bargain for themselves, collectively buy things just to stay #sustainable and we got the consumer Cooperative movement arising.why #cooperatives and #mutuals are having a resurgencethe #competitiveadvantages are being of a #cooperativea really clear explanation of the practical differences in the #purpose of a #cooperative (as against for traditional #shareholdermodels):owners are the members (so the people that use the business either as a consumer or a producer,  or receive a product or service from the business are also the owners)#cooperatives make money to do something and not the other way aroundit's not so much a business model that's about doing something just to make moneyas a joint owner you have a democratic right to have a joint voice and decision making say in the businesshow all businesses now have to have a #sociallicence to operate - it's the new #Zeitgeist#stakeholdercapitalism#profitwithpurposethe seven internationally agreed principles in a #cooperative #constitution that relate to the purpose of the business;making sure that members are benefiting from the business, but also all of the other stakeholders around the business;caring for the communitybeing interested in and benefiting the #environment or the #community in which you operatebeing open and transparent and accountable making sure that there is joint democratic decision-making and allowing for the democratic and the economic participation of the members.#sharedbenefit and #sharedrisk#cooperatives today as a globally dominant form of running #supermarkets, #retail and marketing operations where they're owned by members and consumers rather than shareholders#disruptivecapitalism#enlightenedcapitalismrailing against #corporate #monoculture so we have an economy that has a rich #ecosystem of different types of businesses#competition between #businessmodels, as well as #competition between #businessesavoiding a concentration of #capital and #power where get more #cartelpricingwhy cooperation is a really powerful form of making a more productive, efficient, and #sustainableeconomywhy as a bottom-up model it's so good for #smallbusiness@marnieroberts @winegrapes@OceanSpray as a classic example of #Global #MarketingBrands under which #Cooperative existthe numbers - 8 to 10 Australians are members of at least one Cooperativeone of Australia's largest #agbiz,  a consortium or a collaboration of around 4,000 family farms is @CBHGroup (a  #WesternAustralian #grainexporter)#CreditUnions #MutualBanks #motoringmutuals - @racv @racq#healthservices #nonprofit #healthfundsthe need for and interest in #CommunityBuyBacks in #RegionalAustralia when people can't get the goods or services, or there's a social and economic need that the market won't deliver#target #Cootamundracooperatively own #pubs and #breweries - @AireysInletpub  @renmarkhotel in #SAminimum commercial infrastructure for viable townsthe @bccm.coop toolkit - a one-stop shop of self-help resourcesjointly community-owned #renewableenergy assets like @HepburnWindlocal renewable energy#FightbackFarmers #iview #abcwww.kerrcapital.com.au

Over the last year we have all looked for ways to support local business. This has led us to discover local companies we didn't even know existed. One great Local story is our Mutual Fund Dealer, Sterling Mutuals. They happen to be the only National Mutual Fund dealer that is Located in Windsor Ontario. Sterling has a unique story and perspective on the Industry. Today we will talk with Nelson Cheng the founder & CEO of Sterling Mutuals. We will discuss how Sterling began and the national success this local company has become.   Chief Executive Officer As the founder of Sterling Mutuals Inc. in 1996, Nelson entered the mutual fund industry in 1987 where he assisted in building one of the largest financial planning offices in the Windsor area. Nelson's background as an advisor represents a key asset to the firm, as he is thoroughly familiar with the day-to-day realities faced by Sterling's advisors. Nelson's inherent understanding of the needs of advisors, along with his natural talent for computer programming, have also been instrumental in helping him to build Sterling's robust back-office software system.

Hello Podcast listeners, Today is a very special episode with Dan Ahrens, Portfolio Manager and COO at Advisor Shares. Before this he founded Ahren Advisors, L.P., where he was portfolio manager of the Ladenburg Thalman Gaming and Casino Fund. Prior to this he was president of Mutuals.com Funds, where he launched the Vice Fund and was portfolio manager of the Generation Wave Growth Fund. Dan authored “Investing in Vice”. He earned his BBA in Business Administration from Texas Tech University. In today’s episode we discuss the opportunities he is seeing in the Cannabis industry. Enjoy and thanks for the listen!

In Season 2, Episode 11, Simon talks Dr Ali Parsa. Ali is a British-Iranian healthcare entrepreneur and engineer. He's the founder and CEO of Babylon, the revolutionary AI and digital health company. Babylon's mission is to put an accessible and affordable health service in the hands of every person on earth. Dr Parsa was listed in The Times 100 people to watch. He was featured in the Maserati 100, a list that recognises game-changing entrepreneurs. He was formerly a UK Cabinet Office Ambassador for Mutuals and the Chair of the Confederation of British Industry (CBI) Tech Forum. He has a PhD in Engineering Physic.

In Season 2, Episode 11, Simon talks Dr Ali Parsa. Ali is a British-Iranian healthcare entrepreneur and engineer. He's the founder and CEO of Babylon, the revolutionary AI and digital health company. Babylon's mission is to put an accessible and affordable health service in the hands of every person on earth. Dr Parsa was listed in The Times 100 people to watch. He was featured in the Maserati 100, a list that recognises game-changing entrepreneurs. He was formerly a UK Cabinet Office Ambassador for Mutuals and the Chair of the Confederation of British Industry (CBI) Tech Forum. He has a PhD in Engineering Physic.

In Season 2, Episode 11, Simon talks Dr Ali Parsa. Ali is a British-Iranian healthcare entrepreneur and engineer. He's the founder and CEO of Babylon, the revolutionary AI and digital health company. Babylon's mission is to put an accessible and affordable health service in the hands of every person on earth. Dr Parsa was listed in The Times 100 people to watch. He was featured in the Maserati 100, a list that recognises game-changing entrepreneurs. He was formerly a UK Cabinet Office Ambassador for Mutuals and the Chair of the Confederation of British Industry (CBI) Tech Forum. He has a PhD in Engineering Physic.

In this episode, we cover the specifics of the different types of funds out there and explain which one is the best for you! Follow our Instagram! @moneymadeeasypod If you have any questions, feel free to contact us at pravarjain34@gmail.com & arnavjain123aj@gmail.com --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Are co-ops the simple fix needed to change the aged care industry? Melina Morrison , CEO The Business Council of Co-operatives and Mutuals, thinks so and talks to aged care insite about how it would work.

Find out more on our website: https://bit.ly/3eChPlw Mutual and cooperative insurers are responsible for one-third of all insurance premiums in Europe. Their status belies their size: they range from some of the smallest to some of the largest European insurers, and with no external shareholders to satisfy, they are able to apply their profits to the benefit of their policyholders. As major stakeholders in the social economy and with strong ties to local markets, mutual and cooperative insurers responded quickly to the COVID-19 crisis to help their customers and wider society. Working often under the radar, the mutuals are continuing to provide support in all sorts of ways to boost resilience for people, businesses and economies across Europe. Speaker: Sarah Goddard is Secretary General of AMICE, the Association of Mutual Insurers and Insurance Cooperatives in Europe. AMICE focuses on advocacy to European institutions to ensure a fair and appropriate environment for its members. Sarah sits on the board of Social Economy Europe, which continues to grow in importance with the re-established European Parliament Social Economy Intergroup. Before joining AMICE, Sarah was CEO of DIMA, a representative body for international re/insurers in Ireland, where she was identified as a member of the “power 50” in global captives. Her earlier career included editor positions with international re/insurance publications and at Lloyd's.

Iona discusses the social media feud between people she respects   Twitter: @therocsworld Twitter: @IonaItalia Site: http://www.ionaitalia.com   SUBSCRIBE Itunes: https://apple.co/2ZXCDwN GooglePlay: https://bit.ly/367W4qT YouTube: https://bit.ly/3hV6Xyp

Episode 323: Chuck talks with Encova President and CEO TJ Obrokta about lessons learned from uniting unique company cultures under a new brand. Plus, we'll break down election trends with implications for the insurance industry. And with less than three weeks remaining, the 2020 Hurricane Season could still break records.

Pete and Curt breakdown day two of the  #IBAO2020 virtual convention discussing the CEO panel featuring Economics, Intact, Wawanesa, and Travelers as well as clips and thoughts from the insurer town halls.  It was a different kind of convention this year but IBAO pulled it off and there was more than enough to chew on and the guys give you the goods on what went down last week. Please rate, review and follow the podcast! See omnystudio.com/listener for privacy information.

AM Best: Homeowners Premiums Driving Growth in Mutuals

Finding friends online can be scary at times, especially because you won't know who the people are behind the accounts. But finding " mutuals" have also became a part of the KPOP fan culture. Like the story of Shelly & Paula, they found each other through their common interest of being a fan of the same artists, and coincidentally, their love for creating music. Inang Reyna shares her thoughts about maintaining a connection between friends especially during the time of the pandemic, and what it means to be there for a friend.

In this episode of Add To Cart, we are joined by Alita Harvey-Rodriguez, founder of MI Academy and creator of the Retail Hack Games, plus three members of the winning team, Jo Harris, Peter Knock and Yas Grigaliunas. Sharing their experiences of this unique event designed to inspire innovation and challenge traditional ways of working, the panel discuss how the Hack Games came to be, what the process looked like, the insights that emerged and how they can be incorporated into day to day working life.. We hear the winning pitch, an innovative solution to help the industry emerge stronger post-pandemic and find out about the Retail Hack Games mark 2.Links from the episode:MI AcademySlackPower RetailMiroShopify Plus free platform guide (sponsored)Klarna (sponsored)Head to the episode blog post at the 12High website for access to HackGames tools and the winning pitchQuestions answered in the podcast include:What are the Retail Hack Games and what did you set out to achieve? What tools did you use to conduct the whole process virtually?What insights came out of the process?What tips can you give retailers to be more innovative in their day to day business?This episode was brought to you by… Shopify PlusIn these challenging times for retailers, the last thing you want to worry about is your tech stack. To survive, you need a commerce platform that just works and can help you move forward with confidence. In this free guide from Shopify Plus, learn what questions to ask, who to trust and how to choose the right commerce platform for your business. Download your copy at http://shopifyplus.online/platform-guideKlarnaKlarna is the payment solution built with retailers in mind. Each Klarna transaction comes with seller protection and is paid in full at dispatch. There's no waiting for funds that you have worked hard for! Customers love Klarna too. The streamlined UX at checkout is proven to boost consumer loyalty, drive repeat purchases and increased average order value. To get started with Klarna today, visit klarna.com.au/businessAbout your host: Nathan Bush from 12HIGHNathan Bush is the founder and lead strategist at eCommerce consultancy, 12HIGH. He has led eCommerce for businesses with revenue $100m+ and has been recognised as one of Australia’s Top 50 People in eCommerce four years in a row. You can contact Nathan on LinkedIn, Twitter or via email.About your co-hosts: Alita Harvey-Rodriguez from MI AcademyAlita Harvey-Rodriguez is known as one of Australia’s leading Human Centric Marketing & CX futurists and the brains behind MI Academy. For over a decade, Alita has worked with global brands including REA Group, Mr Toys ToyWorld, SAP, Experian, Mountain Bikes Direct and Alfa Romeo to transform their digital marketing and customer experience. Today Alita specialises in intense training and data-driven innovation programs that help marketers leverage data to reveal hidden profits and build humanised communication strategies that create raving fans out of consumers.You can contact Alita on LinkedInJo Harris from MI AcademyJo developed her reputation as ‘The People Whisperer’ after co-founding online retailer, Hunting for George. She has a strong background in people & culture with a particular focus on building high performing and collaborative teams with the customer at the heart of decision making. She enjoys and embraces diversity and nurtures great teams by empowering those around her to contribute and work together to achieve a common goal…. a great customer experience and a happy place to work!You can contact Jo on LinkedInPeter Knock, non Executive Retail Director and Specialist AdvisorPeter is a highly awarded and applauded CEO and senior retailer, specialising in digital innovation, e-commerce and business transformation within disrupted markets. From creating and developing Online start-up’s to working with some of Australia’s largest public companies, privately-owned companies, NFPs, Co-operatives and Mutuals, including Myer, Dymocks, Thrifty the Co-op and St Vincent de Paul.Peter has been recognised as one of Australia’s top 50 people in E-Commerce and successful leader of a Top 50 online retailer, an ORIA winner along with being a National Retail Association Multi Channel Retailer of the year winner. NORA Advisory Council Member and Mentor. Chair Online Retailer.You can contact Peter on LinkedInYas Grigaliunas from World’s Biggest Garage SaleYas is the CEO and Co-founder of the World’s Biggest Garage Sale (WBGS), an entrepreneur of impact and a circular economy pioneer in Australia, driving this industry forward by innovating, collaborating, connecting and mobilising multiple stakeholders towards a shared vision, all while providing social good. WBGS are activating the circular economy and resource recovery of dormant goods for good, powered by their purpose to provide meaningful employment and pathways for disadvantaged youth. Through an omnichannel resale retail presence, including events, pop ups and an online recommerce platform, Yas is a passionate advocate of the Sustainable Development Goals, delivering outcomes and outputs to support the Global Goals. Energetic, authentic and an expert of execution, Yas is a master at enrolling talent, communicating long-term vision, and inspiring people along the journey. Yas and her organisation are living proof that you can provide a positive impact for people, planet and purpose.You can contact Yas on LinkedInPlease contact us if you: Want to come on board as an Add To Cart sponsor Are interested in joining Add To Cart as a co-host Have any feedback or suggestions on how to make Add To Cart betterEmail hello@addtocart.com.au We look forward to hearing from you! See acast.com/privacy for privacy and opt-out information.

In this episode of Add To Cart, we are joined by Alita Harvey-Rodriguez, founder of MI Academy and creator of the Retail Hack Games, plus three members of the winning team, Jo Harris, Peter Knock and Yas Grigaliunas. Sharing their experiences of this unique event designed to inspire innovation and challenge traditional ways of working, the panel discuss how the Hack Games came to be, what the process looked like, the insights that emerged and how they can be incorporated into day to day working life.. We hear the winning pitch, an innovative solution to help the industry emerge stronger post-pandemic and find out about the Retail Hack Games mark 2.Links from the episode:MI AcademySlackPower RetailMiroShopify Plus free platform guide (sponsored)Klarna (sponsored)Head to the episode blog post at the 12High website for access to HackGames tools and the winning pitchQuestions answered in the podcast include:What are the Retail Hack Games and what did you set out to achieve? What tools did you use to conduct the whole process virtually?What insights came out of the process?What tips can you give retailers to be more innovative in their day to day business?This episode was brought to you by… Shopify PlusIn these challenging times for retailers, the last thing you want to worry about is your tech stack. To survive, you need a commerce platform that just works and can help you move forward with confidence. In this free guide from Shopify Plus, learn what questions to ask, who to trust and how to choose the right commerce platform for your business. Download your copy at http://shopifyplus.online/platform-guideKlarnaKlarna is the payment solution built with retailers in mind. Each Klarna transaction comes with seller protection and is paid in full at dispatch. There's no waiting for funds that you have worked hard for! Customers love Klarna too. The streamlined UX at checkout is proven to boost consumer loyalty, drive repeat purchases and increased average order value. To get started with Klarna today, visit klarna.com.au/businessAbout your host: Nathan Bush from 12HIGHNathan Bush is the founder and lead strategist at eCommerce consultancy, 12HIGH. He has led eCommerce for businesses with revenue $100m+ and has been recognised as one of Australia’s Top 50 People in eCommerce four years in a row. You can contact Nathan on LinkedIn, Twitter or via email.About your co-hosts: Alita Harvey-Rodriguez from MI AcademyAlita Harvey-Rodriguez is known as one of Australia’s leading Human Centric Marketing & CX futurists and the brains behind MI Academy. For over a decade, Alita has worked with global brands including REA Group, Mr Toys ToyWorld, SAP, Experian, Mountain Bikes Direct and Alfa Romeo to transform their digital marketing and customer experience. Today Alita specialises in intense training and data-driven innovation programs that help marketers leverage data to reveal hidden profits and build humanised communication strategies that create raving fans out of consumers.You can contact Alita on LinkedInJo Harris from MI AcademyJo developed her reputation as ‘The People Whisperer’ after co-founding online retailer, Hunting for George. She has a strong background in people & culture with a particular focus on building high performing and collaborative teams with the customer at the heart of decision making. She enjoys and embraces diversity and nurtures great teams by empowering those around her to contribute and work together to achieve a common goal…. a great customer experience and a happy place to work!You can contact Jo on LinkedInPeter Knock, non Executive Retail Director and Specialist AdvisorPeter is a highly awarded and applauded CEO and senior retailer, specialising in digital innovation, e-commerce and business transformation within disrupted markets. From creating and developing Online start-up’s to working with some of Australia’s largest public companies, privately-owned companies, NFPs, Co-operatives and Mutuals, including Myer, Dymocks, Thrifty the Co-op and St Vincent de Paul.Peter has been recognised as one of Australia’s top 50 people in E-Commerce and successful leader of a Top 50 online retailer, an ORIA winner along with being a National Retail Association Multi Channel Retailer of the year winner. NORA Advisory Council Member and Mentor. Chair Online Retailer.You can contact Peter on LinkedInYas Grigaliunas from World’s Biggest Garage SaleYas is the CEO and Co-founder of the World’s Biggest Garage Sale (WBGS), an entrepreneur of impact and a circular economy pioneer in Australia, driving this industry forward by innovating, collaborating, connecting and mobilising multiple stakeholders towards a shared vision, all while providing social good. WBGS are activating the circular economy and resource recovery of dormant goods for good, powered by their purpose to provide meaningful employment and pathways for disadvantaged youth. Through an omnichannel resale retail presence, including events, pop ups and an online recommerce platform, Yas is a passionate advocate of the Sustainable Development Goals, delivering outcomes and outputs to support the Global Goals. Energetic, authentic and an expert of execution, Yas is a master at enrolling talent, communicating long-term vision, and inspiring people along the journey. Yas and her organisation are living proof that you can provide a positive impact for people, planet and purpose.You can contact Yas on LinkedInPlease contact us if you: Want to come on board as an Add To Cart sponsor Are interested in joining Add To Cart as a co-host Have any feedback or suggestions on how to make Add To Cart betterEmail hello@addtocart.com.au We look forward to hearing from you! See acast.com/privacy for privacy and opt-out information.

Hi and welcome to the Designing Open Democracy Podcast. We are an Australian based forum keeping track of democracy innovations in Australia and around the world. In the background of the banking royal commission starting at 2017 and the uncovering of banking misconduct by the big four banks in Australia, there is a need for the public to be able to trust that corporations will work in the interest of all stakeholders.This podcast recorded and hosted by Alexar on March 2020, was a talk by Anthony McMullen from Co-operative Bonds, explaining how we can step beyond Corporate Social Responsibility towards a corporate structure with a fundamentally more democratic economic structure. Given the situation around the world with the global pandemic in 2020, social distancing requirements meant we had to record this episode by video conferencing. So audio quality will be different compared to other episodes.The first half of this event with be a short primer by Anthony McMullen to get newcomers up to speed about what Co-operatives is and why it matters. Afterwards a panel led by Anthony McMullen will be held to discuss about the state of co-operatives in Australia and how co-operatives can gain traction against traditional forms of business structures.# Speakers Biography## Antony McMullen (Co-operative Bonds)Antony McMullen is a Melbourne based co-operative entrepreneur and expert in co-op development, policy and enterprise for common good, with qualifications in social impact (social entrepreneurship) and community development.Co-founder of Co-operative Bonds, his consultancy specialises in offering expert advice and support to help build and grow many other co-operatives.He is also secretary and co-founder of Co-op Incubator, as well as co-founder of the cooperative network in Melbourne - 888 Co-operative Causeway.In addition he also collaboratively prepared the Co-operative and Mutual Enterprise (CME) governance framework for the Australian Business Council of Co-operatives and Mutuals in 2018.Serving as Vice-President of the Victoria Day Council (that administers the Victorian of the Year award), he also holds qualifications in social impact (social entrepreneurship) and community development.https://www.bonds.coop/## Sean Bezard (Earthworker Cooperative)Sean Bezard is a membership officer at Earthworker Cooperative in addition to being an Earthworker representative on the Redgum Cleaning Coop board.Volunteering with Earthworker for 6 years in a range of fields in every capacity, he hopes to bridge the divide between economic and environmental concerns.Most of all, he is driven by a strong belief in every project with a core philosophy that emphasises the importance of a collaborative economy to foster a more holistic and inclusive democracy.https://earthworkercooperative.com.au/## Ian McBurney (bHive)Ian McBurney is an ecological sustainability educator, entrepreneur, facilitator, speaker, MC and author.His specialty is change practice: how do we inspire others around us?Ian spent 5 years in the early 2000s at Vox Bandicoot (http://voxbandicoot.com.au/) in Melbourne, delivering the famous environmental theatre program to ten thousand students, workplace culture change training to six thousand staff in local government and manufacturing.https://bhive.coop/about/----Discuss: https://discuss.designingopendemocracy.com/t/podcast-beyond-corporate-social-responsibility-towards-economic-democracy/196

“If, like us, you're currently steeped in long days of homebound self-isolation, take a look around your dwelling and observe a moment of gratitude. The more topsy-turvy the world outside becomes, the more we can see the importance of a stable place to live, and that housing and health are often the same thing.” - ReasonstobeCheerful.world Around the world, co-ops are playing a significant role in providing housing solutions, and in the process building empowered, sustainable and healthy communities. Up to 40% of housing in some cities around the world is in coops. Whether you're talking financial, social, environmental, cultural or health outcomes, the benefits across the whole of society can be enormous. So what are housing cooperatives? What are the main benefits and challenges? Why are they so successful in some parts of the world? And what's needed to do more of them elsewhere? To talk about all this, I hosted a panel brought together from around Australia by Eugenie Stockmann. Eugenie is an award-winning developer, sustainability consultant, affiliate of an international network of cohousing professionals, and now CEO of Co-operation Housing. Joining her on the panel are: - Dr Jasmine Palmer: researcher of collaborative housing and sustainable design, and a member of Urban Coup Cohousing - Anthony Taylor: Policy Offer at the Business Council of Co-operatives and Mutuals - the peak body and voice for Co-ops and Mutuals in Australia - Michelle Mackenzie: CEO of Shelter WA - an independent peak body that advocates for social and affordable housing and ending homelessness - Peter Shooter: Resident First Fremantle Housing Collective and Chair of Co-operation Housing - With an impromptu appearance from Danielle Pender, Manager of the Community Housing Strategy at the State Department of Communities It's telling that here in Western Australia alone there are 9,000 homeless people and more than 14,000 on the social housing wait list. At the same time, so much of our housing is under-utilised and misdirected. For example, 82% of housing consists of 3 to 5 bedrooms, but 58% of WA homes house just 1 or 2 people. So how much housing do we need? How do we direct that need most effectively? And where will the investment for this come from, especially given the problems with even impact and social investment expectations? (There was a bank representative present in the room for this conversation, and his involvement was open and instructive.) The event also launched a series of five short videos on existing housing co-operatives, screened prior to the panel conversation. Film-makers Georgi Ivers and Jake Bamford worked with prominent West Australian artist and Co-operation Housing board member, Sohan Ariel Hayes (who credits being a coop housing resident with enabling his successful artistic life). This episode of The RegenNarration is produced with thanks to Co-operation Housing. The event took place at the University of Notre Dame in Fremantle, and was made possible with support from the City of Fremantle. Get more: On the event and panellists - https://www.regennarration.com/events/housing-coop-forum-2019 Co-operation Housing website (with the new videos on the home page and respective co-op housing community profiles) - http://co-operationhousing.org.au/ Reasons to be Cheerful article ‘Why Hospitals are Building Housing' - https://reasonstobecheerful.world/why-hospitals-are-building-housing/ Music: The System, by the Public Opinion Afro Orchestra Concluding music by Jeremiah Johnson Title slide pic: supplied. Thanks to our generous supporters for making this podcast possible. If you too value what you hear, please consider joining them, by heading to our website at www.regennarration.com. And get in touch any time by text or audio at www.regennarration.com/story Thanks for listening!

There's a perception about the mutual insurers but John Taylor, CEO of OMIA, is ready to dispel it.  These aren't smaller companies filling a niche, rather they are a group of long-standing innovators that have served segments of the economy developing products and solutions for over 100 years.  John explains why mutuals of all sizes have a role and how they not only help the marketplace but also many communities outside of the major urban centres.  Please rate, review and follow the podcast! See omnystudio.com/listener for privacy information.

Cat, Pat, and special guest Jeanette Wall discuss accidental texts, the music industry, tarot, and so much more!----SUPPORT SEEK TREATMENT ON PATREON! For $5/month, you will receive 2 monthly bonus eps, 3-part weekly eps dropped at once (ad free), and merch discounts:https://www.patreon.com/seektreatmentBUY SEEK TREATMENT MERCH:https://www.teepublic.com/stores/seek-treatmentFOLLOW CAT:https://twitter.com/catcohenhttps://www.instagram.com/catccohenFOLLOW PAT:https://twitter.com/poreganhttps://www.instagram.com/patreegsSEEK TREATMENT IS A FOREVER DOG PODCASThttps://foreverdogpodcasts.com/podcasts/seek-treatment

Cat, Pat, and special guest Jeanette Wall discuss accidental texts, the music industry, tarot, and so much more!----SUPPORT SEEK TREATMENT ON PATREON! For $5/month, you will receive 2 monthly bonus eps, 3-part weekly eps dropped at once (ad free), and merch discounts:https://www.patreon.com/seektreatmentBUY SEEK TREATMENT MERCH:https://www.teepublic.com/stores/seek-treatmentFOLLOW CAT:https://twitter.com/catcohenhttps://www.instagram.com/catccohenFOLLOW PAT:https://twitter.com/poreganhttps://www.instagram.com/patreegsSEEK TREATMENT IS A FOREVER DOG PODCASThttps://foreverdogpodcasts.com/podcasts/seek-treatment

Mutuals and co-ops are having their moment. With Professor Matthew Hall and Dr Paul Thambar.

Nigel Kershaw OBE, is the chairman of The Big Issue Group. He is a leading social entrepreneur and advocate of social enterprise and social finance.  In this episode, Nigel talks about how they are democratising capital with the launch of the Big Exchange, an impact investment platform with a social passport. They have commitments from a group of founding partner Asset Managers with around 35 social, environmental and impact funds to put on the platform, with a combined AUM of around £13bn.  Since 1974, Nigel has had first-hand experience with starting, building and running social enterprises. He joined The Big Issue in 1994, becoming its Managing Director, and then the chair of The Big Issue Group and in 2005, the first CEO of Big Issue Invest. Nigel founded three printing and publishing social enterprises, and has also worked as a project manager, system analyst at Litho Printer and trade union official. He trained as a lithographic printer and gained his diploma in printing production with distinction at the London College of Printing, where he later became the Chair of the Board of Governors.  Highlights: Social venture capital started when Gordon Roddick of The Body Shop invested to launch Big Issue in 1991 Bank accounts for the homeless with HBOS How Big Issue is Democratising Capital  The Big Account Creating a Social Passport that keeps your records in blockchain The Importance of using the right language Impact washing is fraud  Simplifying the SDGs into climate action Launch of Big Exchange, an impact investment fund with a social passport “A wrong habit of not thinking a thing wrong gives it the superficial appearance of being right" Thomas Paine Working with Mutuals and Coops and a career as the secretary of the Print Union Importance of having deputies and CEOs that can execute Join the Big Exchange and the Big Issue Group Useful links: Sign up to the Big Exchange - https://bigexchange.com/ Big Issue Foundation - https://www.bigissue.org.uk/about-us Big Issue Magazine - https://www.bigissue.com/ Big Issue Invest - https://bigissueinvest.com/ International Network Of Street Papers - https://insp.ngo/ The Rental Exchange - https://www.experian.co.uk/business/consumer-information/consumer-credit-management/rental-exchange/ Lord John Bird -  https://en.wikipedia.org/wiki/John_Bird,_Baron_Bird Body Shop - https://www.thebodyshop.com/en-gb/ Anita Roddick - https://en.wikipedia.org/wiki/Anita_Roddick HBOS - https://en.wikipedia.org/wiki/HBOS Aberdeen Standard Investment - https://www.aberdeenstandard.com/ Digital Mums - https://digitalmums.com/ The Gherkin London - http://www.thegherkinlondon.com/ Columbia Threadneedle - https://www.columbiathreadneedle.co.uk/ Gareth Davies - https://www.linkedin.com/in/garethmdaviesuk/ 3D Investing with John Fleetwood - https://www.3dinvesting.com/ Good With Money’s article of Nigel Kershaw - https://good-with-money.com/2019/02/07/the-big-issues-nigel-kershaw-sets-out-to-democratise-capital/ Battle of Cable Street - https://en.wikipedia.org/wiki/Battle_of_Cable_Street Thomas Paine - https://en.wikipedia.org/wiki/Thomas_Paine Time Stamp: [01:57] Introduction to Nigel Kershaw, OBE [03:45] The Big Issue Magazine and incentivising people to work [10:35] Impact washing is fraudulent [13:45] Credit rating for homeless with The Rental Exchange [17:30] Loan loss rates vs success rates and capital preservation rates [23:20] Scaling bigger and bigger social bonds [33:00] Social passport to cross immigration and digitised into blockchain [40:00] SDG impact measure vs assessing [43:00] Passing the Lily Language Test to get people and investors onboard [48:48] Who inspires Nigel Kershaw [50:00] What makes a terrible leader? Connect with JP Dallmann on Linkedin (https://www.linkedin.com/in/jp-dallmann/) , Twitter (https://twitter.com/JPDallmann) , or Instagram (https://www.instagram.com/inspiredbyjp/) . How to incorporate SDGs into your business - Fast Forward 2030 (http://fastforward2030.com/) Find talent and careers with impact - Realchangers (https://www.realchangers.com/) Impact Leaders is produced by Podcast Publishing (http://podcastpublishing.help/)

Mutual run organisations is a business model that not all people understand - even people who are actually members of a Cooperative or Mutual. In this model, customers earn their right to influence the organisation, not for direct investment, but with their custom. It's a model that is becoming more popular along with the rise of social enterprises. The Business Council of Cooperatives and Mutuals is an organisation that promotes, advocates, and represents Cooperative and Mutual Enterprise (CME). 8 in 10 Australians are involved or are customers of a cooperative or mutual, and Melina Morrison the CEO at BCCM is agitating legislators and regulators to raise awareness of the value of this business model. In today's episode of Be The Drop, Melina explains the benefits to both consumers and our economy. She share stories of communities who are uniting and through Cooperatives and Mutuals, to increase accessibility of renewables, health services, housing, and many other significant functions. ---- Considering starting your own podcast? At Narrative Marketing, we deliver a full range of podcast production options. Or if you'd like help getting started to produce your own content, I also deliver podcast training programs;view full training details via this link. ----- The Be The Drop podcast is brought to you by Narrative Marketing, the Brand Storytelling Superheroes! We release new content each week! SUBSCRIBE to the blog here SUBSCRIBE to Be The Drop podcast in iTunes here SUBSCRIBE to Be The Drop in Spotify here SUBSCRIBE on YouTube here for the full interview video, behind the scenes, bloopers & more. CONNECT with us on Facebook, follow @be_the_drop on Instagram or Twitter. CONTACT US podcast@narrativemarketing.com.au

In part 2 of Cake & Arrow/Coverager's report on Millennials and modern insurance, Becky and Laird discuss the report's ideas of how the industry could change to appeal more to millennials and whether that's a good idea. Plus, Laird shares a story about encountering a Insurance Happy Hour listener. Millennials & Modern Insurance: Changing the Way Millennials Think About Insurance (http://go.cakeandarrow.com/millennials-modern-insurance-report?utm_campaign=Millennials%20%26%20Modern%20Insurance%20-%20Report&utm_source=PRNewswire&utm_medium=PressRelease) Part 1: Price Matters (https://www.insurancehappyhour.com/46) Our episodes on Cake & Arrow's first Millennial report: Millennials & Insurance - Part 1 (https://www.insurancehappyhour.com/20) and Part 2 (https://www.insurancehappyhour.com/21) At a business dinner and someone mentions this podcast called '#InsuranceHappyHour". Them: "Ever heard of it?"Me: pic.twitter.com/Eax21KNpNO— Laird Rixford (@lrixford) May 14, 2019

Last week we had the pleasure to talk to Hugh Karp, founder of Nexus Mutual, about their insights on how blockchain and smart contracts can be used for building effective insurance mutual. This is Hugh’s second appearance on Insureblocks as he was a guest blogger last September where he penned a post on “Public Blockchains in Insurance: Do incumbents need to worry?”   What is Blockchain? Hugh believes it is more interesting to focus on what the technology enables instead on focusing on the technical description of it. Blockchain gives a shared view on some sort of information, so that everyone can agree on the information and that it can only be changed by playing by the rules. Examples of such information are account balances and the rules could be a combination of smart contract logic and consensus process to add new information to the blockchain. In Bitcoin that consensus process is mining for example. Once we have shared information that all parties can agree on, and self enforcing rules, we can coordinate human activity in ways we couldn’t do before. What is key is that this can now be done more efficiently than ever before and without a central regulator.   Why Mutualisation? Mutuals are the original insurance structure. They arose because communities recognised that they had a shared common risk and that they would be more resilient if they spread this risk out within the group. These communities would pool resources together and decide as a group when a claim will be paid. If no claims were made then all the members benefited. This is a stark difference to traditional insurance companies whose interests aren’t aligned to those of its customers. Shareholders driven by profit by not paying out claims. Mutuals are member led and have a shared goal thus reducing the risks for conflicts of interest. So what about regulators? Aren’t they meant to reduce those conflicts of interest? Hugh believes that in well developed countries that is the case but it comes at an administrative costs. In developing countries though many people don’t always have a reliable legal and regulatory system on which they can rely on.   What is Nexus Mutual? Nexus Mutual uses the power of Ethereum so people can share risk together without the need for an insurance company... ie bring back the true form of mutuals where individuals contribute to an insurance like entity and group together to protect themselves. Nexus Mutual uses blockchain to reengineer the business model.   The role blockchain and smart contracts play in building a mutual? How does it help to scale trust and capital? Mutuals have traditionally struggled to compete with shareholder insurance companies. Expanding outside of their original community group is challenging for a mutual. Hugh exemplifies this problem with an example of where one village may not trust the elders from another village to pay out their claims. Thus blockchain can be helped to scale out trust because instead of having to trust that other group of people you simply have to trust that the code works as it is intended. The other, less well-known issue, that mutuals face is the scaling of capital. Due to how they are structured, mutuals can only raise money from their membership base, and have limited access to capital markets.  As insurance is capital intensive it does put limit a mutuals growth. Hugh believes that due to their decentralised characteristics mutuals can only be built on a public blockchain (e.g. Ethereum) instead of a private one (e.g. Hyperledger and Corda). This ensures that the funds are collectively held on a smart contract instead of in a central location. Member driven and member owned.   Tokenisation As Nexus Mutual is using smart contracts on the Ethereum public blockchain they can tokenise membership rights of the mutual which allows an increased level of flexibility on how they can raise capital. In other words the rights of the members (e.g.

Nationwide is the largest Building Society in the world with 15 million customers, 1 in 4 UK households have an account, which makes over £1bn profit per annum and is entirely owned by its members (customers). If it were a company it would be in the FTSE50.  In this wide ranging conversation Tony Prestedge discusses how […]

DJ John B. is back once again with a ton of music for you. Why not kick back and enjoy some of this great music and get you ass out to a show!! There are so many great shows coming up here in Milwaukee... so be sure to follow us on Facebook for updates on more kick ass shows coming here to Milwaukee and other events we at OKR will be checking out soon. Tune in today and check out the music here: Click here to download the show.   Playlist: (click on the band name to goto their facebook page & click on the song name to buy their music.) She Has It All by Trolley Off their album “Caught In The Darkness” out on on their bandcamp page. Be sure to catch them live on July 27th at Club Garibaldi. So Easy by Cabin Essense Off the album “A Place For Playing Games” out now on their bandcamp page. Be sure to catch them live on July 27th at Club Garibaldi. Peanut Gallery by Former Member Off their current release “Old Youth” out now on Memory Music. It Might Get Dark by White Denim Off their soon to be released album “Performance” out on City Slang Records on August 24, 2018. Out of Place by Slow Walker Off their latest release “Ah Yes” out now!! You can check it out on their bandcamp page. Be sure to come celebrate with all of us at OKR for not only the Riverwest 24 but for High Dive’s 3 year anniversary over at High Dive and catch Slow Walker and ton of other great bands playing that night on Friday July 27th!! Famous Last Words by Har Mar Superstar Off his release “Best Summer Ever” out now on Cult Records. Hope you got tickets because he will be playing live on August 11, 2018 at The Back Room at Collectivo and it is SOLD OUT. Water On Mars by The Nude Party Off their latest self-titles release out now on New West Records. The Mutuals by Future Virgins Off their latest release “Doomsday Raga” out now on Recess Records. Be sure to catch them live on August 4th at High Dive as a part of Center Street Daze!!  Skyline by Vacation Off their soon to be released album “Mouth Sounds #2699” coming out on Let’s Pretend Records on July 27, 2018!!! Be sure to catch them live on August 4th at High Dive as a part of Center Street Daze!! Independency by Midstates Off of one of my favorite albums of all time with their album Shadowing Ghosts which you can pick up on iTunes and maybe get the CD through Discogs or something.  I’m Your Man by Spiritualized Off their soon to be released album “And Nothing Hurt” going on out on  September 7th and you can preorder it now over at their website. G.P.S. by No/No Off their latest EP called “Twentysomethings” out now on their bandcamp page. Be sure to catch them live on August 11th at Bremen Cafe. Great No One by The Beths Off their soon to be released album “Future Me Hates Me” out on Carpark Records on August 10th. I Need You Here by The Whiffs Off their latest release “Take A Whiff” out now on High Dive Records Be sure to catch them live on August 11th at Cactus Club. Wrong Right Girl by The Rubs Off their latest release “Impossible Dream” out now on Hozac Records Be sure to catch them live on August 11th at Cactus Club. I Have Enough by Reverend Beat-Man and The New Wave Off their latest release “Blues Trash” out now on Voodoo Rhythm Records Be sure to catch Reverend Beat-Man live on August 20th at Cactus Club. Down by Jawbreaker Off their release “Unfun” out now on Blackball Be sure to catch them live at their only show in the Midwest at one of Chicago’s worst venues for sound… Aragon Ballroom… on Nov. 4th for far too much money. 

Who doesn’t want to have great relationships filled with love, understanding, and support? Yet the stark reality is many relationships are tainted by arguments, judgment, or criticism. It’s time to stop the nonsense and address the ROOT of these relationship problems by building a solid, healthy foundation based on key principles. Tune into this episode for a no-frills, no-nonsense look at what it takes to build the real relationships and friendships we all wish for!

The best relationships are built on mutuals: mutual trust, mutual respect, mutual honesty, mutual communication, and more. When one of these is missing, it can create an unhappy situation. Tune into this week’s episode to learn how you can avoid this pitfall in your relationship!

Australian Earth Laws Alliance and the Uni of NSW held: "Building the New Economy - activism, enterprise, and social change", in August, 2016. It was a 2 day conference aimed at getting a diverse lot of people together to have a serious look at what an economy based on the needs of planet and people might look like, and how to go about creating one. The conference spawned the New Economy Network of Australia – visit https://neweconomy.org.au/ to find out about the next conference. Behind the Lines was there and recorded all we could. Apologies to those we missed. This work is licensed under the Creative Commons Attribution-Share Alike 4.0 International License. To view a copy of this license, visit creativecommons.org/licenses/by-sa/4.0/.

Community Banks Feast on Subordinated Debt / ROBO-Advisor & Community Banks Form Alliance / Merger of Mutuals Hosts - Sharon Lorman, Vice President, The Kafafian Group, Inc.           Robert Kafafian, President & CEO, The Kafafian Group, Inc.            Jeff Marsico, Executive Vice President, The Kafafian Group, Inc.            Rich Trauger, Managing Director, The Kafafian Group, Inc.

The Coalition Government is committed to greater corporate diversity in the financial services sector, and are promoting 'John Lewis' style mutuals to deliver public services. Can this new agenda be delivered? Professor Jonathan Michie, Director of the Department for Continuing Education and President of Kellogg College will consider the evidence globally and nationally, and discuss how a more sustainable economy might be created.

The Coalition Government is committed to greater corporate diversity in the financial services sector, and are promoting 'John Lewis' style mutuals to deliver public services. Can this new agenda be delivered? Professor Jonathan Michie, Director of the Department for Continuing Education and President of Kellogg College will consider the evidence globally and nationally, and discuss how a more sustainable economy might be created.

Airlines return to the skies - but they're flying in the face of the law when it comes to compensating passengers. Which pension policies will get your election vote? And is the feeling mutual? We ask whether savers with mutual societies should protest about executive pay. See acast.com/privacy for privacy and opt-out information.

Daniel Hodson, former Gresham Professor of Commerce with Anthony Hilton, Financial Editor, London Evening Standard and Philip Williamson, Chief Executive, Nationwide Building Society. Why did mutuals occur and what purposes did/do they serve? Some of Britain's...