Podcasts about Nim

Send us a textW tym odcinku dzielę się historią jednej z najgłębszych prób mojego życia — doświadczeniem straty, które zrodziło we mnie większą wiarę, nadzieję i zrozumienie. Opowiadam o ostatnim spotkaniu z moim bratem, o ciszy bólu i o pokoju, który przyszło tylko od Boga. To również historia odpowiedzi na modlitwę, misji, która zmieniła moje życie. „Błogosławieni, którzy wytrwają do końca – ci będą zbawieni” (Mateusza 24:13). Te słowa stały się dla mnie kotwicą — przypomnieniem, że wytrwałość w wierze, nawet w obliczu niepewności, prowadzi do Bożych obietnic. „Wytrwałość to nie tylko zdolność znoszenia trudnych rzeczy, ale przemieniania ich w chwałę.” - Philip Yancey„Aby nauczyć się silnej wiary, trzeba przetrwać wielkie próby. Nauczyłem się wiary, trwając niezłomnie pośród ciężkich doświadczeń.” – George MüllerW pieśni ‘Błogosławiasz tych, którzy wytrwają' wyśpiewuję wdzięczność za to, że nawet w największym bólu można odnaleźć pokój i zaufanie.Niech te słowa poruszą także Wasze serca i przypomną, że Bóg błogosławi tym, którzy trwają przy Nim — wiernie, cicho, wytrwale.www.kasiasmusic.comwww.kasiasfaithjourney.comhttps://www.facebook.com/kasiasfaithjourney/

Anine Kierulf er førsteamanuensis ved UiO, og spesialrådgiver ved NIM. Hun er en sentral forsker innen konstitusjonell rett, menneskerettigheter og ytringsfrihet i Norden, og sitter i ledelsen i faggruppen for konstitusjonell rett ved UiO. Hun er cand.jur. fra UiO, LL.M. fra Northwestern University (2001) og advokat (2003). Før hun kom tilbake til UiO i 2009 var hun rådgiver i ytringsfrihetsspørsmål for Europarådet, dommerfullmektig ved Ringerike tingrett og senioradvokat i advokatfirmaet Schjødt.I episoden vår i dag snakker vi om ytringsfrihet generelt og prinsipielt, om kanselleringskultur, og forsøket på å kansellere Cecilie Hellestveit, samt den kontroversielle nye sivilbeskyttelsesloven. ►  ⁠BLI ⁠⁠⁠⁠MEDLEM⁠⁠⁠⁠⁠ Fremover vil de som er støttemedlemmer få tilgang til episodene først. Da støtter du podcasten med det samme som prisen av en kaffe hver måned. Setter stor pris på om du blir støttemedlem. Tusen takk.► VIPPSOm du ønsker å støtte arbeidet med denne podcasten, kan du bidra med et stort eller lite beløp, etter eget ønske. All støtte settes pris på, og du bidrar til arbeidet med å lage flere episoder. Bruk Vippsnummer: #823278► Annonsere på Henrik Beckheim Podcast post@henrikbeckheim.no ► Kjøp klær, kopper, capser og merch her -  https://henrikbeckheim.com/store► Du kan altså støtte podden ved å donere et beløp til:➡ Vipps (lenke for mobil) eller bruk Vippsnummer: #823278➡ Eller bli MEDLEM og få tilgang til de nyeste episodene først.► Omtale/rating:Legg gjerne igjen en omtale/rating på ⁠⁠Spotify⁠⁠ & ⁠⁠Apple Podcasts⁠⁠. Det hjelper podcasten med å bli synlig for flere.► Linker:⁠⁠Youtube⁠⁠ | ⁠⁠Nettside⁠⁠ | ⁠⁠TikTok⁠⁠ | ⁠⁠Instagram⁠⁠ | Podimo | ⁠⁠Facebook⁠⁠ | ⁠⁠Apple

In this bonus Footnote episode, Saba Sams joins us to talk about her debut novel, GUNK, which she's launching at the Brighton Festival in conversation with Fee Mac. Get tickets here. Jules has been divorced from her ex-husband Leon for five years, but she still works alongside him at the nightclub. With the arrival of Nim, a new employee at the bar, Jules is jolted awake for the first time in years and with an unexpected pregnancy in the mix, this novel poses questions around who we choose to build our families with.  Selected for Granta's Best of Young British Novelists in 2023 and author of the dazzling collection of short stories, Send Nudes, Saba Sams is a voice not to be missed. 

Jezus zmartwychwstał i żyje. Tę prawdę Kościół głosi nieprzerwanie od dnia Pięćdziesiątnicy. Spotkanie z Jezusem Zmartwychwstałym uwalnia nas od lęku i od skupienia na sobie samych, daje nam pokój i wzywa do działania. Dzisiejsza Ewangelia ostrzega nas jednak, że można także łatwo zapomnieć o tym spotkaniu i wycofać się z powierzonej nam misji. Czym próbujemy przekonać samych siebie, że Bóg nie jest najważniejszy i co jest naszą wymówką, aby o Nim nie świadczyć? Jak możemy umacniać wzajemnie naszą wiarę w Zmartwychwstanie i pełnić powierzoną nam misję głoszenia Ewangelii?

Send us a textPresenters: Evgeniy Kharam, Cybersecurity Architect | Evangelist | Consultant | Advisor | Podcaster | Visionary | Speaker |Nim Nadarajah, C.CISO, Cyber Security, Compliance & Transformation Expert | Executive Board Member | Keynote Speaker Julian Lee, Publisher, Community Builder, Speaker, Channel Ecosystem Developer with a focus on cybersecurity, AI and Digital TransformationThe Cybersecurity Defense Ecosystem aims to assist Managed Service Providers (MSPs) in becoming more cybersecurity-oriented amidst industry disruptions caused by AI and regulatory changes.Evgeniy shared insights from his book addressing communication barriers in the technology sector, particularly for MSSPs, while Nim introduced his book concept titled “Betrayal,” which explores the emotional complexities in relationships between MSSPs and their clients. The discussion also covered the evolving role of AI in cybersecurity, highlighting both its potential benefits and challenges. Nim raised concerns about the perceived value of AI-generated responses, stressing the need for a human touch in service delivery, while Evgeniy noted that AI can automate tasks but must not compromise service quality.The conversation shifted to the risks posed by insider threats and the vulnerabilities associated with third-party suppliers, with Nim citing that 75 to 85% of breaches occur through these channels. Evgeniy advocated for designing secure connections and implementing multiple layers of protection to prevent breaches. Julian reflected on the increasing complexity of cybersecurity since the pandemic, underscoring the necessity for robust security measures to safeguard against both internal and external threats.Click here to watch previous episodes on Cybersecurity Defense EcosystemTo learn more on Cybersecurity Defense Ecosystem, visit: https://cybersecuritydefenseecosystem.com/

Autor rozważań: kl. Konrad Niemczyk Czyta: kl. Konrad Niemczyk Mt 26,14-25 Jeden z Dwunastu, imieniem Judasz Iskariota, udał się do arcykapłanów i rzekł: «Co chcecie mi dać, a ja wam Go wydam». A oni wyznaczyli mu trzydzieści srebrników. Odtąd szukał sposobności, żeby Go wydać. W pierwszy dzień Przaśników przystąpili do Jezusa uczniowie i zapytali Go: «Gdzie chcesz, żebyśmy Ci przygotowali Paschę do spożycia?» On odrzekł: «Idźcie do miasta, do znanego nam człowieka, i powiedzcie mu: Nauczyciel mówi: Czas mój jest bliski; u ciebie chcę urządzić Paschę z moimi uczniami». Uczniowie uczynili tak, jak im polecił Jezus, i przygotowali Paschę. Z nastaniem wieczoru zajął miejsce u stołu razem z dwunastu uczniami. A gdy jedli, rzekł: «Zaprawdę, powiadam wam: jeden z was mnie zdradzi». Bardzo tym zasmuceni zaczęli pytać jeden przez drugiego: «Chyba nie ja, Panie?» On zaś odpowiedział: «Ten, który ze Mną rękę zanurza w misie, on Mnie zdradzi. Wprawdzie Syn Człowieczy odchodzi, jak o Nim jest napisane, lecz biada temu człowiekowi, przez którego Syn Człowieczy będzie wydany. Byłoby lepiej dla tego człowieka, gdyby się nie narodził». Wtedy Judasz, który Go miał zdradzić, rzekł: «Czy nie ja, Rabbi?» Odpowiedział mu: «Tak jest, ty». Jesteśmy również na YouTubie: https://www.youtube.com/@rozwazania

Wall St finished higher after the most volatile week we have seen since covid. Four primary market drivers overnight – China increasing tariffs again, US investment banks kicking off quarterly earnings, calming comments from Fed officials and both consumer sentiment and inflation expectations coming in worse than expected. S&P 500 up 1.8%. Nasdaq up 2.1% and the Dow up 619 points. Closing near the high. VIX down 8%. The headlines weren't particularly good (see below), but there are signs ‘peak fear' has been reached.Main negative driver was China keeping up the tit for tat tariff escalation. Last night it raised tariffs on US products from 84% to 125%. Refusing to back down. On the positive side, Trump has repeatedly said he ‘respects Xi' and is ‘open to negotiations'. The AFR had some good data yesterday on how dependant China is on the US. A lot would surprise you. Considering China's reputation as the manufacturing powerhouse of the world, the sector only accounts for 20% of GDP and just 15% of its exports to the US. Australia on the other hand ships a third of all goods to China, less than 5% go to the US.Investment bank earnings started well. JPMorgan Chase (+4%), Morgan Stanley (+1.4%) and Wells Fargo (-0.95%) all beat estimates. Ted Pick, MS CEO was the most optimistic on the outlook, saying the US economic could avoid a recession. The others more pessimistic, which limited big gains. Wells Fargo couldn't finish in the green after management said its NIM will fall at the lower end of guidance. BlackRock (+2.6%) rose after its assets hit a fresh record of $11.58T. Larry Fink there hasn't been a systematic rotation out of US equities into Europe and Asia but didn't rule anything out.SPI up 18  - Trump exempts electronics from some tariffs - Lutnick says its temporary.Want to invest with Marcus Today? The Managed Strategy Portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you.If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

Bentoranti su Snap!Tempo di ringraziamenti dopo i festeggiamenti! Alex, iMartinis, Gianluca, Giuseppe, Matteo ed un donatore (che vuol restare) anonimo, siete tutti grandissimi!Intananto sul mio canale YouTube Architetto Digitale potete trovare i mio nuovo video: disegnare un particolare costruttivo con Procreate, Michele Bondanelli pubblica un bell'elenco di sodtware per la gestione delle nuvole di punti e tocca fare alcune precisazioni su un agomento toccato nella puntata scorsa.Se non sai cosa sono i NIM, lo scoprirai in questa puntata che ha anche come argomento il nuovo Lenovo Yoga Solar PC e quanto sta impattando l'AI nel mondo delle costruzioni.Buon ascolto!—>

Główny cel naśladowania Jezusa zaczyna się od relacji – chodzi o spędzanie czasu z Nim. W tej części praktykowania drogi chodzi o kultywowanie obecności Boga w codziennym życiu.    Zapraszamy:         www.SpolecznoscMIASTO.pl Obserwuj nas na:

eśli naprawdę szukamy Boga – On daje się nam znaleźć. Jego ślady są wokół nas, w codzienności, w relacjach, w ciszy…Bóg nie pozostaje obojętny – On sam nas szuka, gdy się gubimy. Ale to od nas zależy, czy otworzymy przed Nim nasze serce i zechcemy Go doświadczyć.

Apple Patches Everything Apple released updates for all of its operating systems. Most were released on Monday with WatchOS patches released today on Tuesday. Two already exploited vulnerabilities, which were already patched in the latest iOS and macOS versions, are now patched for older operating systems as well. A total of 145 vulnerabilities were patched. https://isc.sans.edu/diary/Apple%20Patches%20Everything%3A%20March%2031st%202025%20Edition/31816 VMWare Workstation and Fusion update check broken VMWare s automatic update check in its Workstation and Fusion products is currently broken due to a redirect added as part of the Broadcom transition https://community.broadcom.com/vmware-cloud-foundation/question/certificate-error-is-occured-during-connecting-update-server NIM Postgres Vulnerability NIM Developers using prepared statements to send SQL queries to Postgres may expose themselves to a SQL injection vulnerability. NIM s Postgres library does not appear to use actual prepared statements; instead, it assembles the code and the user data as a string and passes them on to the database. This may lead to a SQL injection vulnerability https://blog.nns.ee/2025/03/28/nim-postgres-vulnerability/

Jan Paweł II ufał Duchowi Świętemu i kierował się Nim w misji Kościoła – podkreśla wykładowca UKSW. W rozmowie wspomina papieskie pielgrzymki i ich wpływ na Amerykę Łacińską.Jan Paweł II od początku swojego pontyfikatu kierował się głęboką wiarą w działanie Ducha Świętego. Jednym z najbardziej przełomowych momentów jego posługi była pierwsza pielgrzymka do Ameryki Łacińskiej – podróż do Meksyku na zebranie CELAM w Puebla. W tamtych czasach wielu doradzało nowemu papieżowi, by nie podejmował tego ryzyka, obawiając się, że jego misja zakończy się niepowodzeniem.Bardzo wiele osób odradzało, że ta pielgrzymka apostolska może się okazać wielkim fiaskiem, wielkim niepowodzeniem. Jan Paweł II, ja bym powiedział, właśnie w mocy Ducha Świętego, na którego się powoływał, z całym uporem duszpasterskim powiedział: jedziemy i jadę do Meksyku – wspomina o. prof. Tomasz Szyszka.Pielgrzymka okazała się wielkim sukcesem i nadała ton całemu pontyfikatowi papieża Polaka. To wtedy Jan Paweł II wypowiedział pamiętne słowa, które odbiły się szerokim echem wśród latynoskich katolików:Chcę być głosem dla tych, którzy głosu nie mają. Chcę nadać znaczenie tym, którzy są całkowicie lekceważeni.To zdanie stało się symbolem zaangażowania papieża w sprawy ludzi wykluczonych, ubogich i tych, których głos w społeczeństwie był marginalizowany.Kościół żywy i otwarty na Ducha ŚwiętegoOjciec profesor Tomasz Szyszka zwraca uwagę, że często mówi się o różnych aspektach nauczania Jana Pawła II, ale rzadziej podkreśla się jego głęboką wiarę w działanie Ducha Świętego.My bardzo często powołujemy się na różne wydarzenia związane z jego życiem i pontyfikatem. Ale jeśli uważamy, że Jan Paweł II zostawił nam wielkie dziedzictwo, to powinniśmy korzystać z tego impulsu ewangelizacyjnego, misyjnego – podkreśla duchowny.Nie chodzi o zamykanie pamięci o papieżu w muzeach, lecz o kontynuowanie jego dzieła poprzez żywą wiarę i działanie.Jan Paweł II cieszył się wielką wiarygodnością, ponieważ był człowiekiem wiary, modlitwy i pozwalał się prowadzić Duchowi Świętemu – zaznacza o. prof. Tomasz Szyszka.Papież Polak nie bał się wyzwań i wierzył, że z Bożą pomocą wszystko jest możliwe.Dla Jana Pawła II nie było rzeczy niemożliwych. Wszystko da się zrealizować, jeśli robimy to jako ludzie wiary i prosimy o obecność Ducha Świętego – dodaje gość "Poranka Wnet".Ameryka Łacińska – kontynent żywej pamięci o Janie Pawle IIChoć od papieskich pielgrzymek do Ameryki Łacińskiej minęły już dekady, pamięć o Janie Pawle II jest tam wciąż żywa.Jan Paweł II jest pamiętany. Może nie tak mocno jak w Polsce, ale w Meksyku ta pamięć jest niezwykle żywa – mówi o. Tomasz Szyszka.Wielu Latynosów nadal nosi w sercach jego słowa, a tamtejszy Kościół dynamicznie się rozwija, inspirując się jego nauczaniem.To jest Kościół żywy, rozwijający się w mocy Ducha Świętego. Świadczą o tym wszelkie inicjatywy, takie jak synodalność czy programy duszpasterskie– podkreśla duchowny.Rozmówca Krzysztofa Skowrońskiego i Piotra Dmitrowicza zauważa, że dodatkowym impulsem dla Ameryki Łacińskiej stał się wybór papieża Franciszka:Latynosi poczuli świeży powiew Ducha Świętego, kiedy zobaczyli, że papież pochodzi z ich kontynentu. Pojawiło się poczucie dumy, że świat patrzy na Amerykę Łacińską.Osobiste wspomnienia i żywa pamięćOjciec profesor Tomasz Szyszka przyznaje, że choć osobiście nie spotkał Jana Pawła II, miał okazję rozmawiać z wieloma osobami, które przygotowywały jego pielgrzymki do Ameryki Łacińskiej. Ich wspomnienia pełne były wzruszenia i emocji, mimo upływu lat. Najbardziej poruszające były jego spotkania z Indianami, którzy nadal wspominają papieża jako kogoś, kto ich dostrzegł i docenił.Kiedyś w Iquitos, w Puszczy Amazońskiej, przedstawiłem się jako Polak. Starsi ludzie natychmiast zareagowali: ‘Papa es charapa' – papież jest żółwiem. To było ich czułe określenie dla Jana Pawła II– opowiada o. Tomasz Szyszka.Równie wzruszające było spotkanie w Manaus, gdzie starsi mieszkańcy, wspominając wizytę papieża, spontanicznie zaczęli śpiewać pieśni z tamtych czasów, spierając się o dokładne słowa.Było widać, jak to przeżywali. Po tylu dekadach nadal było to dla nich coś ważnego, coś, co zapadło nie tylko w ich umysłach, ale w sercach – mówi profesor.Dziedzictwo, które trwaO.prof. Tomasz Szyszka uważa, że Jan Paweł II pozostawił po sobie nie tylko pamięć, ale i konkretne przesłanie – by Kościół był otwarty na Ducha Świętego i pozwalał Mu działać:Zapominamy o tej wielkiej sile poruszającej Kościół – obecności Ducha Świętego. To On wskazuje drogi, którymi mamy podążać. Jego słowa przypominają, że dziedzictwo papieża Polaka nie jest zamkniętą historią, lecz wciąż żywym impulsem dla współczesnego Kościoła.

W tym odcinku gościem „Na Werandzie Podcast” jest Marta Klara Juszczakiewicz – żona, mama, kobieta, która lubi książki, ciszę i Pana Boga. Choć nie zawsze tak było. Jeszcze kilka lat temu Marta czytała głównie kryminały, żyła szybko, trochę na przekór sobie. Dziś mówi wprost: „Zaczęłam zapraszać Boga do swojego smutku.” Bez wielkich słów. Bez udawania. Opowiada o swoim nawróceniu, które nie wydarzyło się nagle, tylko dojrzewało powoli – przez kryzysy, książki, rozmowy i ciszę.Na co dzień znajdziecie ją na Instagramie jako "inspiracjeklary" – to miejsce, gdzie dzieli się swoimi literackimi odkryciami. Kryminały, powieści historyczne, ale też coraz częściej… książki duchowe. Bo jak sama mówi: „Dobra książka może poruszyć, ale tylko Bóg naprawdę zmienia życie.”

Rzymian 1,18"Otóż Bóg nie jest obojętny. Wszelki przejaw bezbożności i niesprawiedliwości ludzi, którzy nieprawością tłumią prawdę, spotyka się z gniewem nieba."Boży gniew – czym jest i czy istnieje od niego ratunek?

2nd Edition Of Tsa Ma Grootman Mixed By N'kay & Nim. 2 Hours of nothing but pure bliss. Enjoy the matured sounds from Bafana Ba Kota. Bookings: kotaembassy@yahoo.com // 0616171298 // 0641309037. #bafanabakota #tsamagrootman #kotaembassy

Chris Hughen sat down with Casper Nim to discuss all things Spinal Manipulation. We dive into what spinal manipulations definitely aren't doing, improving manual therapy education, navigating treatment options, the narratives behind an intervention, and much more.  Watch the full episode: https://youtu.be/yyPm_2IrOow  Episode Resources: Casper's ResearchGate Nim, 2025 Nim, 2021 --- Follow Us: YouTube: https://www.youtube.com/e3rehab  Instagram: https://www.instagram.com/e3rehab/ Twitter: https://twitter.com/E3Rehab --- Rehab & Performance Programs: https://store.e3rehab.com/  Newsletter: https://e3rehab.ck.page/19eae53ac1  Coaching & Consultations: https://e3rehab.com/coaching/  Mentoring: https://e3rehab.com/mentorship-intake-form/  Articles: https://e3rehab.com/articles/  --- Podcast Sponsors: Legion Athletics: Get 20% off using "E3REHAB" at checkout! - https://legionathletics.rfrl.co/wdp5g  Vivo Barefoot: Get 15% off all shoes! - https://www.vivobarefoot.com/e3rehab --- @dr.surdykapt @tony.comella @dr.nicolept @chrishughen @nateh_24 --- This episode was produced by Kody Hughes

(00:00) 1. Praktykowanie drogiChrześcijaństwo to nieustanna droga - zarówno wewnętrzna transformacja, jak i droga do innych ludzi. Prawdziwe uczniostwo wprowadza nas w najgłębszą bliskość z Jezusem, czyniąc nas nie tylko uczniami, ale braćmi, siostrami i przyjaciółmi Chrystusa. (04:37) 2. Radykalne wezwanie Jezusa"Kto nie niesie swego krzyża, a idzie za Mną, ten nie może być Moim uczniem." To szokujące odkrycie - można iść za Jezusem, ale nie być Jego uczniem. Chrześcijaństwo bez krzyża to jedynie "chrześcijaństwo Niedzieli Palmowej" - powierzchowne i bezkosztowe. (10:23) 3. Czym krzyż nie jestWbrew popularnym wyobrażeniom, krzyż to nie trudne okoliczności życiowe, problemy finansowe czy zdrowotne. Te rzeczy spotykają nas niezależnie od naszej woli. Krzyż, o którym mówi Jezus, jest dobrowolnym wyborem, który możemy podjąć lub odrzucić. (18:56) 4. Sześć cech prawdziwego krzyżaKrzyż jest osobisty, dobrowolny i prowadzi do śmierci. Mamy go nieść codziennie, wymaga relacji z innymi ludźmi i jest Bożą wolą dla naszego życia. To nie symbol religijny, ale radykalne wezwanie do umierania dla siebie. (26:14) 5. Umieranie dla własnego egoNiesienie krzyża to pozwolenie, by nasza tożsamość była budowana wyłącznie na Chrystusie, nie na naszych sukcesach, pozycji czy służbie. To codzienne umieranie dla własnego "psyche" - wewnętrznego życia skupionego na sobie. (34:29) 6. Boży bunt przeciwko ciemnościKrzyż to wezwanie do Bożego buntu przeciwko istniejącemu porządkowi grzechu - zarówno wewnątrz nas, jak i w świecie. To odwaga, by przy pomocy Ducha Świętego przeciwstawiać się ciemności i nieść światło tam, gdzie go brakuje. (41:08) 7. Przez ciasną bramęCiasna brama, o której mówi Jezus, ma kształt krzyża. Tylko przechodząc przez nią - umierając dla siebie - możemy prawdziwie spotkać się z Chrystusem i doświadczyć zjednoczenia z Nim. To droga do prawdziwej wolności i pełni życia. Zapraszamy: www.SpolecznoscMIASTO.plObserwuj nas na:

Jeśli jesteś Rodzicem, Dziadkiem lub Opiekunem

Bóg nas szuka i objawia się nawet tym, którzy Go nie szukają!

Send us a textIn this episode of From The Heart, hosts Dr. Nim Goldshtrom and Dr. Adrianne Bischoff explore the latest research in neonatal cardiac care, focusing on congenital heart disease (CHD) and its impact on premature infants. They discuss a study analyzing survival trends in preterm infants with CHD, highlighting the “double jeopardy” these babies face due to both prematurity and congenital cardiac anomalies. Another study compares neurodevelopmental outcomes between preterm infants and those with CHD, revealing that term infants with CHD exhibit similar motor and cognitive challenges as preterm infants, yet receive less developmental support. The conversation then shifts to emerging research showing a decline in postoperative brain injuries in CHD patients, possibly due to improved surgical and perioperative care. Finally, they discuss a survey on neonatal cardiac care models, emphasizing the evolving role of neonatologists in managing CHD patients and the need for better integration between NICUs and CICUs. Nim and Adrianne reflect on the importance of specialized care teams, advocating for neonatologists to play a greater role in optimizing outcomes for this vulnerable population. Tune in for a compelling discussion on bridging the gaps in neonatal cardiac care. As always, feel free to send us questions, comments, or suggestions to our email: nicupodcast@gmail.com. You can also contact the show through Instagram or Twitter, @nicupodcast. Or contact Ben and Daphna directly via their Twitter profiles: @drnicu and @doctordaphnamd. The papers discussed in today's episode are listed and timestamped on the webpage linked below. Enjoy!

Wielu ludzi, takich jak Tom Monaghan, założyciel sieci pizzerii Domino's, odnajduje swoją Górę Tabor w niespodziewanych momentach życia. Jego historia udowadnia, że „nie to, kim byłeś, ale to, kim możesz się stać, liczy się najbardziej”. Monaghan, mimo trudnego dzieciństwa, stał się miliarderem i wykorzystał swoje bogactwo, by wspierać wartości chrześcijańskie. Jego decyzja o sprzedaży sieci pizzerii i założeniu uczelni opartych na tych wartościach była wynikiem głębokiego duchowego doświadczenia po przeczytaniu książki "Chrześcijaństwo po prostu".Wreszcie dowiesz się, dlaczego modlitwa jest jak paliwo dla duszy – nie luksusem, a koniecznością. Nawet w najciemniejszych chwilach naszego życia, zawsze „istnieje wyjście w górę”, które prowadzi do przemienienia naszego serca i odkrycia prawdziwej chwały Boga w naszej codzienności.Podobnie jak lutnik Antonio Stradivari, który tworzył najpiękniejsze skrzypce świata, Bóg może przemienić nasze życie niezależnie od tego, jakie było wcześniej. Ważne jest, byśmy pozwolili Mu działać w naszym życiu, byśmy spotkali się z Nim na naszej własnej Górze Tabor i doświadczyli przemiany. Niech czas Wielkiego Postu będzie dla każdego z nas okazją do takiego spotkania i przemiany serca, byśmy mogli ujrzeć świat i siebie w nowym świetle.

Send us a textTo jest mój pierwszy odcinek w języku polskim. Mam nadzieję, że historia, którą się dzielę, poruszy Cię drogi słuchaczu na tyle, byś odnalazł/odnalazła w niej własne odpowiedzi lub wskazówki dla siebie.  W tym odcinku chcę opowiedzieć o tym, co sprawiło, że zdecydowałam się pójść za Chrystusem. W trakcie tej wędrówki zrozumiałam, że podążanie za Nim wymaga codziennego zaangażowania. On jest moim Zbawicielem, przyjacielem i najdoskonalszym przykładem miłości. Wiem, że mnie zna, kocha i przebacza moje słabości. Nie jestem w stanie w pełni pojąć ofiary, jaką złożył za mnie i za każdego z nas, ale wiem jedno – jestem Mu nieskończenie wdzięczna za Jego poświęcenie. Słowa Benjamina DeHoyos pięknie oddają to, co zrozumiałam wiele lat później i za co dziś jestem ogromnie wdzięczna. Powiedział on:  „Szczęście to stan duszy. Ten radosny stan jest rezultatem prawego życia.  Nikt nie musi czuć się samotny na drodze życia, ponieważ wszyscy jesteśmy zaproszeni, aby przyjść do Chrystusa i być udoskonalonymi w Nim. Szczęście jest celem ewangelii i celem odkupieńczej ofiary dla wszystkich ludzi.” W Księdze Objawienia 3:20 znajdują się słowa Zbawiciela:  „Oto stoję u drzwi i kołaczę: jeśli kto usłyszy głos mój i otworzy drzwi, wejdę do niego i będę z nim wieczerzał, a on ze mną.”Jakie były twoje doświadczenia samotności lub smutku?  Jak możesz rozpoznać Jego obecność u Twoich drzwi?  Czy wpuścisz Go, gdy puka?  Czy pozwolisz Mu okazać Ci swoją miłość?  Jak możesz zaprosić Chrystusa do swojego życia?Na zakończenie podzielę się piosenką zatytułowaną „Chrystusie”, napisaną przez wspaniałego poetę Juliana Tuwima, którego bardzo cenię.www.kasiasmusic.comwww.kasiasfaithjourney.comhttps://www.facebook.com/kasiasfaithjourney/

TIME TO NUT UP OR SHUT UP!! Zombieland Full Reaction Watch Along: https://www.patreon.com/thereelrejects Visit https://huel.com/rejects to get 15% off your order Download the PrizePicks today at https://prizepicks.onelink.me/LME0/RE... & use code REJECTS to get $50 instantly when you play $5! Zombieland Reaction, Recap, Commentary, Analysis, & Spoiler Review!! Join Andrew Gordon and Tara Erickson as they dive into the 2009 cult classic Zombieland—a razor-sharp horror-comedy directed by Ruben Fleischer (Venom, Uncharted, Santa Clarita Diet). In a world overrun by zombies, we follow Columbus (Jesse Eisenberg, The Social Network, Adventureland), a cautious everyman turned survivor, as he teams up with the rugged and relentless Tallahassee (Woody Harrelson, The Messenger, The Wolf of Wall Street). Along the way, they encounter the street-smart Wichita (Abigail Breslin, Little Miss Sunshine, Nim's Island) and the mysterious Little Rock (Emma Stone, La La Land, Crazy, Stupid, Love), each bringing their own unique survival skills to the mix. Tara & Andrew break down the film's most iconic moments—from the memorable "Double Tap" rule and other quirky survival commandments to the nail-biting zombie encounters and Bill Murray's legendary cameo that continues to delight fans. They also explore how Zombieland masterfully blends humor with horror, making it a standout in the zombie genre. Don't miss this in-depth reaction and review as we uncover why Zombieland remains a must-watch for fans of laughs, gore, and unconventional zombie mayhem! Follow Andrew Gordon on Socials:  YouTube: https://www.youtube.com/@MovieSource Instagram:  https://www.instagram.com/agor711/?hl=en Twitter:  https://twitter.com/Agor711 Follow Tara Erickson: Youtube: https://www.youtube.com/@TaraErickson Instagram:  https://www.instagram.com/taraerickson/ Twitter:  https://twitter.com/thetaraerickson Intense Suspense by Audionautix is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/... Support The Channel By Getting Some REEL REJECTS Apparel! https://www.rejectnationshop.com/ Follow Us On Socials:  Instagram: https://www.instagram.com/reelrejects/  Tik-Tok: https://www.tiktok.com/@reelrejects?lang=en Twitter: https://x.com/reelrejects Facebook: https://www.facebook.com/TheReelRejects/ Music Used In Ad:  Hat the Jazz by Twin Musicom is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Happy Alley by Kevin MacLeod is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/... POWERED BY @GFUEL Visit https://gfuel.ly/3wD5Ygo and use code REJECTNATION for 20% off select tubs!! Head Editor: https://www.instagram.com/praperhq/?hl=en Co-Editor: Greg Alba Co-Editor: John Humphrey Music In Video: Airport Lounge - Disco Ultralounge by Kevin MacLeod is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Ask Us A QUESTION On CAMEO: https://www.cameo.com/thereelrejects Follow TheReelRejects On FACEBOOK, TWITTER, & INSTAGRAM:  FB:  https://www.facebook.com/TheReelRejects/ INSTAGRAM:  https://www.instagram.com/reelrejects/ TWITTER:  https://twitter.com/thereelrejects Follow GREG ON INSTAGRAM & TWITTER: INSTAGRAM:  https://www.instagram.com/thegregalba/ TWITTER:  https://twitter.com/thegregalba Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we dive deeper into the process of breaking and how it allows us to truly know God the Father and ourselves as new creations in Him. Jan, Ola, and Magdalena share personal experiences of unlearning old beliefs, stepping out of comfort zones, and discovering the transformative power of God's truth and love. Through raw and honest reflections, they discuss how surrendering control and embracing God's breaking process leads to greater freedom, intimacy with Him, and a clearer understanding of who we are meant to be. Tune in for an inspiring conversation about trust, transformation, and the journey toward a deeper relationship with God. - W tym odcinku zagłębiamy się w proces złamania i to, jak pozwala nam on naprawdę poznać Boga Ojca oraz samych siebie jako nowe stworzenia w Nim. Jan, Ola i Magdalena dzielą się osobistymi doświadczeniami związanymi z oduczaniem się starych przekonań, wychodzeniem ze strefy komfortu i odkrywaniem przemieniającej mocy Bożej prawdy i miłości. Poprzez szczere i autentyczne refleksje rozmawiają o tym, jak poddanie kontroli i przyjęcie procesu złamania prowadzi do większej wolności, bliskości z Bogiem i głębszego zrozumienia naszego prawdziwego powołania. Posłuchaj inspirującej rozmowy o zaufaniu, przemianie i podróży ku głębszej relacji z Bogiem. Thanks for Listening! Episode Notes & Conversation Guide LINKS The Producer's Way School https://theproducersway.com Nancy's book, From Trauma to Trust https://www.amazon.com/dp/B096ZML6R3/ JOIN THE CONVERSATION Every journey begins with a conversation, join us on social media to get started! Facebook: https://www.facebook.com/nbmccready Instagram: https://www.instagram.com/nbmccready/ YouTube: https://www.youtube.com/@nancymccreadyministries SUBSCRIBE Like what you hear? Subscribe to Tent Talk with Nancy McCready so you don't miss an episode! https://nancymccready.com/podcast/ ABOUT NANCY MCCREADY Nancy McCready is redefining discipleship across nations, cultures, and denominations. Through Nancy McCready Ministries, she partners with leaders to build deep, transformative discipleship cultures that provoke people to walk in freedom and live as mature sons of the Father.  Her powerful message comes from her journey of overcoming abuse, addiction, and self-destruction to walk in true freedom. She now dedicates her life to helping others grow in intimacy with the Father and live unto Him.  ABOUT TENT TALK PODCAST Tent Talk with Nancy McCready is a listener-funded podcast dedicated to helping Christians along their journey of a deeper walk with Christ. With the support of donors like you, we are able to help our listeners gain a deeper spiritual understanding and connection with the Father. Thank you for your support of the Tent Talk Podcast! https://nancymccready.com/giving/ Brought to you by Nancy McCready Ministries https://nancymccready.com/

Jeśli przechodzisz trudny okres, bycie wdzięcznym zbliży cię do Boga i wzmocni twoją więź z Nim.

Autor rozważań: kl. Łukasz Hudecki Czyta: kl. Mateusz Michalik Mk 6, 1-6 Jezus przyszedł do swego rodzinnego miasta. A towarzyszyli Mu Jego uczniowie. Gdy zaś nadszedł szabat, zaczął nauczać w synagodze; a wielu, przysłuchując się, pytało ze zdziwieniem: «Skąd to u Niego? I co to za mądrość, która Mu jest dana? I takie cuda dzieją się przez Jego ręce! Czy nie jest to cieśla, syn Maryi, a brat Jakuba, Józefa, Judy i Szymona? Czyż nie żyją tu u nas także Jego siostry?» I powątpiewali o Nim. A Jezus mówił im: «Tylko w swojej ojczyźnie, wśród swoich krewnych i w swoim domu może być prorok tak lekceważony». I nie mógł tam zdziałać żadnego cudu, jedynie na kilku chorych położył ręce i uzdrowił ich. Dziwił się też ich niedowiarstwu. Potem obchodził okoliczne wsie i nauczał. Jesteśmy również na YouTubie: https://www.youtube.com/@rozwazania

2025 is the year to become "acronimble" by familiarizing yourself with one of the most important acronyms in the industry: CRM, which stands for Customer Relationship Management. The BOSSES discuss how the right CRM tool can streamline how you engage with clients, leading to better organization, and more business opportunities. Learn how to maintain meaningful connections without constantly reinventing the wheel, and discover the strategies that help you organize client interactions to promote continued work. Through personal stories and practical advice, The BOSSES highlight the evolution from old-school Rolodexes to cutting-edge digital solutions, empowering you to manage your client interactions like a BOSS. 00:01 - Anne Ganguzza (Host) Hey, amazing voiceover talents. Do you ever wish boss marketing was as fun as it was being behind the mic? Well, check out my VO Boss Blast. It's designed to automate and make your marketing simpler. You'll benefit from your very own target marketed list, tailored to meet your goals and your brand. The VoBoss Blast Find out more at V. The VO Boss Blast Find out more at voboss.com.  00:27 - Intro (Announcement) It's time to take your business to the next level, the boss level. These are the premier business owner strategies and successes being utilized by the industry's top talent today. Rock your business like a boss, a VO Boss. Now let's welcome your host, Anne Ganguzza.  00:46 - Anne Ganguzza (Host) Hey everyone, welcome to the VO Boss Podcast and the Real Bosses series. I'm your host, Anne Ganguzza, and I am the BOSS with the VOS. That's the voiceover strategist, Mr Tom Dheere. Hello.  00:59 - Tom Dheere (Co-host) Tom Hello. So that's boss VOS.  01:02 - Anne Ganguzza (Host) Boss, VOS.  01:03 - Tom Dheere (Co-host) The BOSS VOSS, boss VOSS.  01:04 - Anne Ganguzza (Host) The BOSS BOSS with the V-O-S.  01:06 - Tom Dheere (Co-host) BOSS with the V-O-S.  01:08 - Anne Ganguzza (Host) And you know, tom, let's continue the acronym party, shall we? Yes, please, Because I'll tell you what it's the beginning of the year, I'm going to manifest multiple new contacts and you know what I need to be able to keep track of those contacts in a BOSS CRM.  01:26 - Tom Dheere (Co-host) Whoa, whoa Boss, boss CRM. What do you?  01:29 - Anne Ganguzza (Host) think Boss, boss CRM I like that. And you know, people ask me about what CRM do I use? What CRM do I use? And so let's talk about 2025 CRM.  01:40 - Tom Dheere (Co-host) Fantastic idea, anne. First off, just to make sure everybody knows what we're talking about, CRM is Customer Relationship Manager. It is a fancy way of saying some form of system where you store your client information potential clients, current clients, past clients' information which you can use as a home base for your marketing strategies. So you use the CRM to develop relationships with customers. So just make sure everybody's on the same page.  02:13 - Anne Ganguzza (Host) Then you could be CRM BOSS, you could be a CRM boss.  02:17 - Tom Dheere (Co-host) You could be a crim boss. No, we'll stick with CRM.  02:22 - Anne Ganguzza (Host) But CRM reminds me of crumble cookies. Oh wait, now I'm going off.  02:28 - Tom Dheere (Co-host) I diverge into a tangent of cookies. I was thinking crumb, like the god that Conan the Barbarian worships. All right, we're really getting off the rails here.  02:34 - Anne Ganguzza (Host) I can see where my brain is versus yours.  02:36 - Tom Dheere (Co-host) You must be hungrier than I am.  02:40 - Anne Ganguzza (Host) I love cookies, me too. So, speaking of CRMs, so, tom, let's talk about why, first of all, is it good to have a CRM? Why do we need one? For a boss business?  02:51 - Tom Dheere (Co-host) It is critical for voice actors to have a CRM, because I tell my students that my definition of marketing is the art and science of developing meaningful relationships. That's what it is. You want meaningful relationships with clients. Now, we all know why you want meaningful relationships with clients. Now we all know why we want meaningful relationships with clients and they know too is because we want them to give us money to talk Like. We understand that, they understand that. And at the same time, it's complicated and there's a lot of moving parts to all of this stuff.  03:24 Having a CRM well, why you want to have it is because you don't want to have to reinvent the wheel every time. You want to get voiceover work. Also, it's a relationship manager, since you are trying to develop relationships. Relationships have beginnings. They start in a certain way Hi, my name is so-and-so Nice to meet you Handshake, firm handshake and all that stuff. And then it's the getting to know you stuff develop an understanding of each other, what you can offer each other, what you both need from each other, and developing trust. Trust is one of the most important components of any relationship, be it personal or professional. So why have a CRM? You do it to develop trust and nurture relationships with clients.  04:15 - Anne Ganguzza (Host) And Tom, can I just say I love that. Can I just say, as a girl with about a million and a half and I kid you not a million and a half unread emails in my Gmail, if I don't have a place that I can go to see where are my customers, right, if I'm not doing something to organize that, basically emails just fly through my inbox and so I might forget that I was in contact with my client maybe a month ago and I needed to follow up with them for a particular reason. Maybe they were saying let me get back to you on this and I need to follow up. And so if I just relied on my trusty email system which, by the way, has a million and a half unread email messages and guys in my defense, right, I got a Gmail account in 1990-something Okay, how many years is that? Thirty-some-odd years, a long time.  05:04 When it began, I was one of the first like few hundred people that had a Gmail account and, because Google is a search engine, I just never deleted anything. So I have records, by the way, from my clients, if I want to. I have records going back to like 1992 or 96. I can't remember which year but yeah, that's amazing.  05:21 - Tom Dheere (Co-host) I know it's crazy.  05:22 That's amazing, but fun stuff Another thing to keep in mind is that, for a moment, take out the word relationship and replace it with the term sales funnel. Yeah, a good CRM helps get voice seekers into the sales funnel and pushes them through the sales funnel. There's different permutations and levels for different people, but for me, my sales funnel terms are brand awareness, consideration, decision, advocacy. Brand awareness you send the cold email Hi, so-and-so explainer video company. My name's Tom Dheere. I'm an explainer video narrator.  05:57 Now they know that you exist, which means if they open the email, clicked on the link to your website, listened to your demos, downloaded them and replied hey, thanks for sending this, we'll keep you in mind for future consideration. They are now keeping you hopefully top of mind the next time a voiceover gig comes along that you're right for. So that's part of using the CRM to keep moving them through the consideration part of the sales funnel to the decision where they actually have a voiceover that you'd be right for and they remember you and they have your demos and they have your contact information and they actually reply to you. Hey, we think we've got something for you. Could you please read this script and let us know how much you'd charge for this? You do that and then you get the booking and then it goes into the advocacy part of the sales funnel where you did such a great job that they will remember you the next time a project comes along, because you did such a great job on the last project that you worked on.  07:01 - Anne Ganguzza (Host) I love how you just explained the sales funnel because I was going to say, like most voice actors are not necessarily aware, you went through the technical aspects of a traditional, like marketing sales funnel. Here I always have to go to my lipstick.  07:13 - Tom Dheere (Co-host) Okay, let's go to your lipstick.  07:14 - Anne Ganguzza (Host) It's not in Ganguzza, unless I got my—okay. First of all, I have to have a need. I have to have a need, right, and so I may or may not be aware of different brands of lipstick, right, but because I've used this lipstick before, I'm going to start with my Chanel. Right, I have my Chanel lipstick and they're top of mind because literally they sit right here on my desk, because when I do my podcast video, I've got to make sure I have my matching lipstick.  07:40 - Tom Dheere (Co-host) Oh, your lipstick matches your headphones.  07:43 - Anne Ganguzza (Host) Yeah, brand awareness. That's one thing. What's the next step in the funnel there, Tom?  07:47 - Tom Dheere (Co-host) Consideration.  07:48 - Anne Ganguzza (Host) Consideration. Now, what are the factors that are going to have me consider? Now, just equate this to your voiceover business guys. Basically, this is the layman's terms of like okay, so what is it? The considerations of? Why am I going to buy this brand? Right?  08:01 - Tom Dheere (Co-host) Yeah, what are the advertising and marketing techniques that that company is going to use to remind you how awesome their lipstick is?  08:09 - Anne Ganguzza (Host) Right, exactly. And also, what is my experience with the lipstick? Right? So I'm on their mailing list, right? And does Chanel go on sale? Well, no, but that's also brand awareness too. So we know that certain things don't go on sale. Chanel doesn't usually go on sale, but anyways, I keep up with them with their mailings and that's how they keep top of mind with me, but pretty much I also use it all the time and it sits there, so I visually see it. So it's either in my inbox or it's sitting here in my desk, right? What's the next step after consideration?  08:37 - Tom Dheere (Co-host) Decision.  08:38 - Anne Ganguzza (Host) Decision Okay, do I have the money at this time? Do I have the need? Do I have the money to buy this? Right. And I make that decision. I click on the email Right Because they say, oh, new colors are out and I'm like, oh, I could use a new color red Right. So I make that decision. I click, go to the website and then what's after?  08:57 - Tom Dheere (Co-host) the decision I buy it, right. Advocacy, you buy it and then advocacy.  08:59 - Anne Ganguzza (Host) So if I buy it and I love the color, oh my God, oh guys, have you seen? All right, all my friends, I'm going to say did you see this color? Isn't this color amazing? Right, and I might even throw up like a social media. You know, like, ooh, branding awareness. Anne Ganguzza Voice Talent, right, branding awareness. I love this new color red, because you got to feel confident in the booth so that you can voice confidently. And so there we go, I'm going to advocate for the brand. So not only am I advocating for my brand, but I'm advocating for this brand as well. So that kind of just took you through the sales funnel with, like, just a traditional lipstick. Sorry, tom, you could maybe use a flannel shirt as an example.  09:35 - Tom Dheere (Co-host) Well, I'm a Maybelline man myself.  09:37 Oh, okay, there you go, so I want to take exactly what you said and now let's look at it from the lipstick maker company's perspective.  09:46 They've got people that they want to buy their lipstick and they want them to love their lipstick and come back for more. So they have their own CRM and through their television advertising, through their radio advertising, through their digital and streaming advertising, through their print advertising on the side of a bus or in a magazine of some sort, they are trying to get people to be aware of them, brand awareness, and keep them top of mind, which is why there's always kinds of print and digital and other forms of advertising. And if they get you on that mailing list, they can send out emails at regular intervals based on people who haven't bought their lipstick yet and people who possibly have bought their lipstick yet. They also look at did they open this email, Did they use a promo code to try the lipstick or get a discount, even though they don't do discounts, which is very interesting because a lot of brands position themselves we are so valuable and we are so coveted, we don't need to discount. We don't need to do that.  10:50 - Anne Ganguzza (Host) I did that for many years. It's very interesting for Chanel to do that. It's an interesting psychology behind it.  10:55 - Tom Dheere (Co-host) There is a psychology.  10:56 - Anne Ganguzza (Host) There are a lot of times where, if something is so cheap, I'll be like oh, I'm not so sure about the quality of that. I'd actually rather pay a little bit more money because I feel like I'm getting better quality. And that's the whole like. Know your worth, guys. Right, what should you be charging? Charge what you're worth versus going cheap, right.  11:12 - Tom Dheere (Co-host) More expensive equals superior from a branding and psychological point of view. So Chanel, chanel, right. Chanel sees all of us, potential customers, brand awareness, consideration, actual customers, decision and advocacy, and they use CRMs to get lipstick buyers into the sales funnel and push them through. Exactly Translating that to voice actors. We want to do the same exact thing, right, and a good, robust, interactive CRM can help us get voice seekers into the sales funnel and push them through.  11:45 - Anne Ganguzza (Host) Absolutely, and you'll be able to know at what point in the funnel they are at Exactly. A good CRM will tell you exactly where they are in the sales funnel so you'll know what to do for the next steps. Maybe they need an additional email, maybe they need a phone call, maybe you'll put out some more social media advertisements, that sort of a thing. So really depending on where they are in the CRM is when you make that determination and decision on what to do. So now, tom, the question is we know why we need a CRM right and we understand the sales funnel and all voice actors need to understand that sales funnel, because we are selling our products, we're selling our voices.  12:17 Let's talk about actual CRMs. I mean, there's many of them out there. I know people constantly ask me which ones I use and I think the answer may surprise you unless you've listened to a podcast of mine before but I don't use any one. I use a multitude of CRMs in combination with one another because myself personally, I don't find one that does everything for me that I need. What about you, tom?  12:38 - Tom Dheere (Co-host) Yes, different CRMs fulfill different needs. Now, what we are talking about, and what most voice actors ask us about, is the software or app.  12:57 - Anne Ganguzza (Host) If you have a Rolodex from the 70s or 80s or 90s.  12:58 - Tom Dheere (Co-host) That's a CRM. Yep, yep, yep, A spreadsheet, A spreadsheet. Exactly that was the very next thing I was going to say A spreadsheet is a form of CRM.  13:04 Yeah, I had an index card box. So in 1995, when I got my first voiceover demo and my coach told me to cold call because that's back then pre-social media, pre-pay-to-play, free home recording that was pretty much the only thing you could do. I would use a CRM of index cards and I had those little you know with the little tabs that would separate them into production companies, recording studios, advertising agencies, so on and so forth. That was a CRM and then that evolved into spreadsheets. I do still use spreadsheets regularly, but I also use an actual software app CRM.  13:43 - Anne Ganguzza (Host) Myself as well.  13:44 - Tom Dheere (Co-host) Now, neither Anne nor I are getting paid to sponsor or affiliate or promote any particular CRM, so we are going to be talking to you about this purely through what our experience has been without hawking, and then we get a little kickback.  14:00 - Anne Ganguzza (Host) So I'm going to tell you, my first CRM well before voiceover was a Rolodex, and then, ultimately, it turned into a spreadsheet so that I could keep track of my customers, and that was based off of. You know, I started doing all my accounting online right through my accounting software, and so it was my customer base, right, that was thrown into a spreadsheet and then I would track things that way. So, you guys, crms don't have to be expensive. They can be very simple and it can be whatever you're most comfortable with, and that's what I started with. And then it ended up being my Gmail, right? My Gmail, where I would separate things into folders for different clients and then keep track of them that way, and then a couple of plugins for the Chrome browser that worked within Gmail to help me keep top of mind with them, and then, tom, I'm sure we'll get into the other ones that we use. What?  14:48 - Tom Dheere (Co-host) about you.  14:49 - Anne Ganguzza (Host) You started as a spreadsheet right.  14:50 - Tom Dheere (Co-host) My start is the index card box, which then turned into spreadsheets, and then 2003,. I started using Act. You remember Act by Sage? I used that one for almost 10 years, so yeah, around 2013. And I think it either got discontinued or something weird happened with it, or I didn't like the features, or they started charging too much. I don't remember what it was. Then I did move to Gmail as well.  15:17 I'd been using Gmail as an email account for a while, but then I started to use it as an actual CRM. One thing that's nice is that you can use what? Is it G-Sync or Google Sync? So I synchronize my Gmail with my Outlook folders, so I have Outlook which is how I manage all my email.  15:38 - Anne Ganguzza (Host) Oh, I have Gmail folders.  15:40 - Tom Dheere (Co-host) Right, and this is the great thing about it. I have Gmail folders, but they automatically sync with Outlook every time. So if you look at Gmail, and you look at the Outlook folders. The folders are exactly the same. So if I move one to one thing in one, it moves it to the one thing in the other, which means if I'm at my desktop, on my laptop, on my tablet or on my phone.  16:01 - Anne Ganguzza (Host) Outlook is amazing.  16:02 - Tom Dheere (Co-host) Outlook is amazing. Anything I do with Gmail or Outlook, it automatically synchronizes with all of my devices.  16:08 - Anne Ganguzza (Host) In my defense, I would have Outlook as my most favorite email client ever and when I was working in the corporate world I had an Outlook account. And when I left the corporate world to go into voiceover full-time, I no longer had an Outlook server right to go to and Gmail at the time wasn't syncing up with Outlook nicely, or Outlook wasn't syncing up with Gmail nicely, so I literally got used to using just Gmail. Okay, but it's funny because my husband does use Gmail with Outlook and he just filters everything into his Outlook because Outlook is just wonderful visually, it's just a nice way to organize things in folders. But I've gotten so used to my Gmail in folders that I'm really used to and filtering. I have automatic filtering and that sort of thing, but I totally love Outlook.  16:51 - Tom Dheere (Co-host) Right, I'm looking at the bottom of my desktop. For me it's Google Workplace Sync, because I have a paid Google Workspace account. And Google Workspace is great.  16:59 It does all kinds of fun things.  17:00 - Anne Ganguzza (Host) I can do it now.  17:02 - Tom Dheere (Co-host) Yeah, and I never even thought about Gmail as a CRM that I'm using now because I have a folder for every client in Gmail, because every time I have any kind of correspondence with any client, once the correspondence is over, I drag that email into that client folder. Now do I use that specifically to market out of? No, but it is a robust, legit CRM because, like, for example I'll give you a perfect example 2019, a potential client reached out to me and said hey, I'm developing this app, I'm getting a grant, I've got the level one grant for it, so I've got enough money to pay you to do this with the app and then, once we get that done, then we're going to apply for a level two grant. So I did the work in 2019 and 2020. We had an email exchange in 2021. And then a few weeks ago, three years later, the client said hey.  17:53 I got the level two grant. We're ready to keep going.  17:55 - Anne Ganguzza (Host) Yep love that. And at first I'm like who?  17:57 - Tom Dheere (Co-host) the hell is this? Because it's been three years? But then I'm like. I looked at the email and then I'm like but you can go back. I went back and I looked in Gmail slash Outlook and I saw the folder with that client and all of our correspondences dating back to 2019 were there.  18:10 - Anne Ganguzza (Host) I know it's wonderful. This is also really good, and files, yeah, and everything.  18:17 - Tom Dheere (Co-host) What's also good is often like I'll have a client and years will go by just like that and they'll say hey, I've got another explainer for you Charge same as last time. And I'll be like I don't remember, but my CRM does, because I look in, I see the email and last time we charged this, and then I can make a decision yeah, that's good.  18:38 - Anne Ganguzza (Host) Or it's been a few years. So now I search engine and again, I'm an authority on that because I have a million and a half unread email messages. And, by the way, they're unread because what I do is I subscribe. Just for those people that are wondering, I subscribe to every corporate list, every corporate list, because I want to learn as much about how companies that I want to voice for market to their customers, and so I sign up for a lot of mailing lists and I just let it filter through so I can see how they market. And that's honestly how I learned marketing Tom really through just everybody else and looking at everybody else. So I don't have a problem with not having an empty inbox I know some people do but again, I must have probably, I want to say, a good 300 folders within my Gmail.  19:17 - Tom Dheere (Co-host) Oh yeah, Me too I have hundreds.  19:19 - Anne Ganguzza (Host) Yeah, at least, and I have rules that filter emails coming in.  19:24 - Tom Dheere (Co-host) Absolutely. Looking at my inbox, right now I have 14 emails in my professional inbox the Tom and Tom Dheere inbox.  19:31 - Anne Ganguzza (Host) I have more than that and that's cool.  19:32 - Tom Dheere (Co-host) But, like I said, when I'm done with the conversation I drag it into the client's folder and I've got this archive. For what did we do? How much did we charge, like all this stuff. But I think, anne, people want to know which app software-y type CRMs do we recommend. So what do you use these days?  19:49 - Anne Ganguzza (Host) Okay. So in addition to my Gmail, I use multiple because it depends on what I'm working with. So right now I have a Wix website and I have the VO Peeps website. I have the VO Boss website. Obviously, I've got Anne Ganguzza.  20:00 So I've got three main brands where I have websites, and so for each of those I have the Wix CRM. So I have people who subscribe to Anne Ganguzza, people who subscribe to VO Peeps, people that subscribe to VO Boss. Each one of them on the Wix website has its CRM utilized by Wix. Because people subscribe, they get placed in the CRM there, which is great because then I can send emails to those lists. I can also check and see if I've sent an email out to a list, I can see how many people have opened it, who've clicked on it and who've actually purchased, and it really has a nice series of accounts for that. And also I can just work from my contact list to send emails and categorize them as clients, categorize them as, let's say, coaching students or however I want to do it. So Wix is my first.  20:48 I have three really for each domain and then I also use ActiveCampaign because I use the VO Boss Blast that I sell as well to direct market to companies. I have a list of over 90,000 creative companies, advertising agencies, rosters, production companies, and so that is part of that marketing package. And so I have ActiveCampaign that I use to house the contacts. Now, most software and you'll agree, tom will charge based on how many contacts you have in there. So, at least for ActiveCampaign, I have like 200,000 contacts in ActiveCampaign and so I pay a hefty price for that and they charge per contact. But I'm doing that because I've got a list of 90,000 and I've splitting that list up and doing marketing for other VO bosses and so I spend a lot of money on that product. So between the two Wix, well, three on that product. So between the two Wix, well three, gmail, wix and ActiveCampaign. I've got three CRMs that I'm utilizing for different needs Cool.  21:48 - Tom Dheere (Co-host) Like we've already established, I use Gmail and I do use spreadsheets for very niche-y genres like political, because I like to see in one space who they are, what their contact is, when did I reach out? Did they open the email, did they reply, did I get on their roster, did I book? And then that stuff eventually makes its way into my CRM. Like Anne, tomdeercom and VOStrategistcom are both Wix-based sites, so I have two separate CRMs. The TomDeer CRM is obviously for voiceover clients, the VO Strategist CRM is for students and I have different tactics and strategies and I have different sales funnels and workflows for each of those and they both work great. For many years I also I remembered I used to use MailChimp and before that I used Vertical Response and they were both great they were both great.  22:41 But the one Vertical Response and they were both great. They were both great, but the one the CRM that I was using religiously before I fully migrated to Wix was Cloze. C-l-o-z-e.  22:51 - Anne Ganguzza (Host) This is a fantastic CRM. I know the name.  22:52 - Tom Dheere (Co-host) Just vision this you wake up in the morning, you get an email in your inbox saying, hey, these are the people you haven't reached out to in three months, and then you can click on that name and then it takes you to cloze and it'll say oh, would you like to use one of the email templates that you created? You click on the template and you look at based on what genre of voiceover they cast, where they are in the sales funnel, and it already it populates it with their name. You can obviously do a little extra personalization as you see fit. Click send. Then you'll get a notification if they open the email. You'll get a notification if they clicked on any links in the email and it has a project manager. So if you, for example, narrate long-form e-learning or an audio book, you can set up benchmarks for like audio book record and deliver the first 15 minutes, get approval for the first 15 minutes, record chapter one, record chapter two, record chapter 20, send them an invoice, do corrections, market that this book is now on sale, and so on and so forth. It's fantastic. It's only like 200 something a month.  23:56 And and did not know this before I say it is I just realized that you can rent my video Clothes for Voice Actors at voestrategistcom. Right now it's a rentable video, so you can stream it for $5 for 72 hours. You can just rent it. Most of my videos are 20 bucks, but that's one of the videos that I'm promoting for five bucks and Ann didn't even know that and I didn't even think about that when we were like what are we going to talk about this month? So when we were like what are we going to talk about this month? So yeah, so if you go to veostrategistcom, go to the video section, you can rent it for $5.  24:24 - Anne Ganguzza (Host) Now one thing I just want to say, tom, is like, no matter what CRM you use, it does take some time to set up. I mean, there is some work involved in setting up a CRM and getting your contacts in there. I had tried Nimble for a while, but Nim based their pricing on the size of your mailbox and, of course, with over 1 million unread emails, it was prohibitively expensive. Now you said, tom, for the low price of only $200 a month, which may or may not be something that people have in their budget. But I will say that that's really nice. That Cloze will say hey, look, you haven't contacted these people in three months. I think that's wonderful.  24:57 Right now I have like a boomerang app that's on my Chrome browser and, I think, gmail. Now you can schedule emails and if you need to respond, you'll notice it'll come back, say, hey, you haven't responded to this person in five days. So there's kind of that built into it. But just know that a CRM, no matter what you do, if you get one, that you're going to pay a monthly fee. I think Nimble was like 20 bucks and then they're like no, with your blah, blah, blah, it's going to cost you a hundred and I'm like I'm not going to pay a hundred dollars, I've already got most of what I need anyways.  25:26 You really need to just assess what your needs are and then figure out what works for you, because you don't have to pay anything. I don't pay anything right now. Well, I do. I should say that I pay for Wix and I pay for ActiveCampaign, but depending on what is comfortable for you and what will help you to stay top of mind and keep yourself top of mind, because sometimes I'll forget. Oh gosh, I should have responded, or I should reach out to this client, because gosh knows you could be losing work if you forget to. I've got clients who say, yes, I'm going to buy this, or I want to come back to this, and then, if you follow up, sometimes it's just that little nudge that is top of mind, reminding that we'll get you that sale.  26:00 - Tom Dheere (Co-host) Yep, and one thing I will say clothes is about 200 something dollars a month, but if you think about it, if you use that CRM and you book one explainer video for $300, you made your money back and everything else after that is profit.  26:14 - Anne Ganguzza (Host) Yeah, absolutely, absolutely Good conversation, guys. I don't know if we'll ever like get the question stopping about the CRMs, but you know what guys Do, what comes naturally to you, what's comfortable for you. As far as Tom and I making recommendations, I mean, we have a combination of CRMs that work for us and we've named a few of them. But really do your research, guys, and know that it will take you some work to set it up. But I think if you've got a CRM that's running, I mean I'll tell you what that CRM saves my butt every month, and more than that, by being able to communicate easily with people that are subscribed to me and people that I want to reach out to. So it's absolutely worthy investment for bosses. So thanks again, tom, for your words of wisdom.  26:59 - Tom Dheere (Co-host) You're amazing. Thank you, as always, for having me.  27:01 - Anne Ganguzza (Host) Yeah, bosses. Big shout out to our sponsor, ipdtl. You too can connect and network like bosses, like Tom and myself, real bosses. Find out more at IPDTLcom. Guys, have an amazing week and we'll see you next week. Bye.  27:15 - Intro (Announcement) Join us next week for another edition of VO Boss with your host, anne Ganguzza, and take your business to the next level. Sign up for our mailing list at vobosscom and receive exclusive content, industry revolutionizing tips and strategies and new ways to rock your business like a boss. Redistribution with permission. Coast-to-coast connectivity via IPDTL.   

Autor rozważań: kl. Paweł Natkaniec Czyta: kl. Mateusz Michalik Mk 4, 1-20 Znowu zaczął nauczać nad jeziorem i bardzo wielki tłum ludzi zebrał się przy Nim. Dlatego wszedł do łodzi i usiadł w niej [pozostając] na jeziorze, a cały lud stał na brzegu jeziora. Uczył ich wiele w przypowieściach i mówił im w swojej nauce:«Słuchajcie: Oto siewca wyszedł siać. A gdy siał, jedno padło na drogę; i przyleciały ptaki, i wydziobały je. Inne padło na miejsce skaliste, gdzie nie miało wiele ziemi, i wnet wzeszło, bo nie było głęboko w glebie. Lecz po wschodzie słońca przypaliło się i nie mając korzenia, uschło. Inne znów padło między ciernie, a ciernie wybujały i zagłuszyły je, tak że nie wydało owocu. Inne w końcu padły na ziemię żyzną, wzeszły, wyrosły i wydały plon: trzydziestokrotny, sześćdziesięciokrotny i stokrotny». I dodał: «Kto ma uszy do słuchania, niechaj słucha!».A gdy był sam, pytali Go ci, którzy przy Nim byli, razem z Dwunastoma, o przypowieść. On im odrzekł: «Wam dana jest tajemnica królestwa Bożego, dla tych zaś, którzy są poza wami, wszystko dzieje się w przypowieściach, aby patrzyli oczami, a nie widzieli, słuchali uszami, a nie rozumieli, żeby się nie nawrócili i nie była im odpuszczona wina».I mówił im: «Nie rozumiecie tej przypowieści? Jakże zrozumiecie inne przypowieści? Siewca sieje słowo. A oto są ci [posiani] na drodze: u nich się sieje słowo, a skoro je usłyszą, zaraz przychodzi szatan i porywa słowo zasiane w nich. Podobnie na miejscach skalistych posiani są ci, którzy, gdy usłyszą słowo, natychmiast przyjmują je z radością, lecz nie mają w sobie korzenia i są niestali. Gdy potem przyjdzie ucisk lub prześladowanie z powodu słowa, zaraz się załamują. Są inni, którzy są zasiani między ciernie: to są ci, którzy słuchają wprawdzie słowa, lecz troski tego świata, ułuda bogactwa i inne żądze wciskają się i zagłuszają słowo, tak że zostaje bezowocne. W końcu na ziemię żyzną zostali posiani ci, którzy słuchają słowa, przyjmują je i wydają owoc: trzydziestokrotny, sześćdziesięciokrotny i stokrotny». Jesteśmy również na YouTubie: https://www.youtube.com/@rozwazania

Łuk. 2,22-32 (22) A gdy zgodnie z Prawem Mojżesza upłynęły dni ich oczyszczenia, przynieśli Dziecko do Jerozolimy, aby je przedstawić Panu, (23) jak napisano w Prawie Pańskim: Każdy potomek płci męskiej otwierający łono matki będzie poświęcony Panu. (24) Przyszli też, aby złożyć przewidzianą Prawem ofiarę: parę synogarlic lub dwa młode gołębie. (25) W Jerozolimie natomiast przebywał niejaki Symeon. Był to człowiek sprawiedliwy i oddany Bogu. Oczekiwał on spełnienia się obietnic mających pocieszyć Izrael i żył pod wyraźnym wpływem Ducha Świętego. (26) Duch Święty zapowiedział mu wcześniej, że nie zazna on śmierci, dopóki nie ujrzy Chrystusa, Wybawcy posłanego przez Pana. (27) Natchniony przez Ducha Symeon przyszedł do świątyni i gdy rodzice wnosili Jezusa, aby postąpić z Nim według zwyczaju Prawa, (28) wziął Dziecko w ramiona, oddał cześć Bogu i powiedział: (29) Teraz, Władco, zgodnie z Twoimi słowami pozwalasz swojemu słudze odejść w pokoju, (30) gdyż moje oczy zobaczyły Twoje zbawienie, (31) które przygotowałeś wobec wszystkich ludów: (32) światło objawienia dla pogan i chwałę Twego ludu — Izraela. Nauczanie z dnia 22 grudnia 2024

Wyjątkowo zrobił nam się mocno newsowy odcinek, ponieważ jak wiecie, każdy Podcast growy w Polsce omawia The Game Awards, więc My nie mogliśmy być gorsi i macie Naszą małą relację z tym, co nam odpowiada, a co nie. Ponadto, trzeba było się odnieść do braku Xboxów w największym sprzedażowo kraju dla Microsoftu na świecie jakim jest Polska. ^^ A w temacie głównym natomaist będzie Taumaturg, czyli osoba (ze Słownika Języka Polskiego) posiadająca dar czynienia cudów; cudotwóca. Niespodziewanie bawiliśmy się całkiem nieźle i w klimacie, którego dawno w grach nie widzieliśmy. A na zakończenie dodam, że Path of Exile 2 w early access został przez Nas mocno ograny (ponad 60 godzin), więc coś tam już o Nim wiemy. Pogromca Diablo 4? Być może. I nie pozostaje Nam nic innego jak życzyć Wam Wesołych Świąt!! Do usłyszenia za....tydzień!Path of Exile 2 Early AccessThe Game AwardsBraki Xboxa w PolsceTemat Główny: The ThaumaturgeMożecie komentować pod odcinkiem, na naszym fanpage'u oraz możecie wysłać do nas maile. Poza tym jesteśmy na Youtube'ie i Spotify.Newsletter: https://forms.gle/iVS3Q1su9b6aUXzj8Patronite: Bezimienny Podcast Ogólny: podcast@bezimienny.plMuzyka: LukHash - Keygen Hosted on Acast. See acast.com/privacy for more information.

In this fun and flavorful episode, we chat all things pickles with Brian and Danielle Niemkiewicz of Nim's Pickles. From hilarious pickle puns to discussing their red pepper garlic dill and garlic dill flavors, this conversation offers a delightful insight into their Northeastern Pennsylvania background and pickle-making passion. Learn about their pickle-making process, the secret to maintaining crunchiness, and their upcoming plans to expand their business.If you or someone you know wants to be featured in our next podcast, message us on Facebook!

TODAY IS THE DAY 5/29@ARABIANNNNQUEEN ON IG AQ ArabianQueenArabian Queen, ALSO KNOWN AS AQ!who grew up singing, acting, dancing, and playing the piano, has applied her childhood experiences to her future careers as an independent mother in the music and modeling industries. In fact, she cites late greats Aaliyah and Mexican-American singer Selena Quintanilla as musical inspirations.ArabianQueen's musical style and artistry are unapologetic and confident. Structured with a sound that blends R&B, soul, and hip hop. Along with a dash of her Arabian heritage that shines through each song. ArabianQueen has since been able to spread her wings and discover her niche with her most recent releases.Furthermore, ArabianQueen's exquisitely made discography is centered on self-esteem, culture, and creativity in all of its forms. Everything is neatly tied together with the ribbon of talent. Live performances are when the Cape Verdean-Arab singer's musical capabilities are most beautifully AQ has been performing at multiple venues all across New England and has built quite a fan base and support from her fellow music peers, she is always spoken of very highly and in a recent interview, with up and coming song writer NIM.K she described AQ as being once of the most positive female artist she has yet to meet in this industry! She never has ANYTHING NEGATIVE to say about anyone. TML #UPNORTHCITYGIRLZRADIO#Organically #Artist and #smallbusiness #advertisehere #music #product #Merchandise #Marketing #Branding #promotion #promo #advertise #Music #Newengland #Hiphop #upnorth #thenewupnorthrecords #TruthandPower #SXSW #brandambassador #ambassador #BRANDINFLUENCER #RTWTML #ATL #RealTalkWithTML TML #UPNORTHCITYGIRLZRADIO#Organically #Artist and #smallbusiness

Dr. Damian Keter is interviewed by Dr. Tony Varela. The focus of their discussion is Dr. Keter's research, “Priorities in updating training paradigms in orthopedic manual therapy: an international Delphi study,” investigating expert consensus on modifications and adaptions to training paradigms required for orthopaedic manual therapy education (OMT) to align with current evidence. This conversation further explores how neurophysiological, psychological, and biomechanical principles inspires person-centered approaches and patient factor effects that contribute to successful OMT intervention.REFERENCES:Keter D, Griswold D, Learman K, Cook C. Priorities in updating training paradigms in orthopedic manual therapy: An international Delphi study. J Educ Eval Health Prof. 2023 Jan 27;20:4. doi: 10.3352/jeehp.2023.20.4.Keter D, Hutting N, Vogsland R, Cook CE. Integrating Person-Centered Concepts and Modern Manual Therapy. JOSPT Open. 2023;2(1):60-70. doi:10.2519/josptopen.2023.0812Silvernail JL, Deyle GD, Jensen GM, Chaconas E, Cleland J, Cook C, Courtney CA, Fritz J, Mintken P, Lonnemann E. Orthopaedic Manual Physical Therapy: A Modern Definition and Description. Phys Ther. 2024 Jun 4;104(6):pzae036. doi: 10.1093/ptj/pzae036. PMID: 38457654.John M Mayer, Michael Jason Highsmith, Jason Maikos, Charity G Patterson, Joseph Kakyomya, Bridget Smith, Nigel Shenoy, Christopher L Dearth, Shawn Farrokhi. The influence of active, passive, and manual therapy interventions on escalation of health care events after physical therapist care in Veterans with low back pain. Phys Ther. 2024 Oct;104(10):pzae101, https://doi.org/10.1093/ptj/pzae101Peter Westlund Sørensen, P., Nim, C., Poulsen, E., Juhl, C. Spinal manipulative therapy for nonspecific low back pain: Does targeting a specific vertebral level make a difference?: A systematic review with meta-analysis. JOSPT. 2023 Sep;53(9):529-39.   doi:10.2519/jospt.2023.11962Nim, C.G., Downie, A., O'Neill, S. et al. The importance of selecting the correct site to apply spinal manipulation when treating spinal pain: Myth or reality? A systematic review. Scientific Reports. 2021 Dec 3;11(1):23415. https://doi.org/10.1038/s41598-021-02882-zJorge E. Esteves, Rafael Zegarra-Parodi, Patrick van Dun, Francesco Cerritelli, Paul Vaucher, Models and theoretical frameworks for osteopathic care – A critical view and call for updates and research. International J of Osteopathic Med. 2020 Mar 1;35:1-4. Doi 10.1016/j.ijosm.2020.01.003.McDevitt AW, O'Halloran B, Cook CE. Cracking the code: Unveiling the specific and shared mechanisms behind musculoskeletal interventions. Arch Physiother. 2023 Jul 6;13(1):14. doi: 10.1186/s40945-023-00168-3.

Join us as we chat with Mikailah Thompson, a proud member of the Nimíipuu Nation. She is an Afro-Indigenous beadwork artist and owner of Beadwork by Mikailah and Indigenous Creatives. She shares her journey into beadwork, launching her business, and working with top Indigenous owned brands. We discuss Thanksgiving, the closing of DEI offices in Idaho higher ed, and Mikailah's advice for aspiring entrepreneurs. Make sure to follow the Brown Sound Podcast on Instagramhttps://www.instagram.com/brownsoundpodcastFollow Mikailah herehttps://www.beadworkbymikailah.comhttps://www.instagram.com/beadworkbymikailahhttps://www.instagram.com/mikailahthompsonhttps://www.instagram.com/indigenouscreatives

November 19, 2024 - The Korea Society is pleased to announce that the eighth annual Sherman Family Korea Emerging Scholar Lecture Awardee is Dr. David Krolikoski, assistant professor at the University of Hawai'i. In his lecture Dr. Krolikoski examines The Silence of Love (Nim ŭi ch'immuk, 1926), the acclaimed collection of eighty-eight poems by Han Yong-un (1879-1944), a Buddhist monk and public intellectual. Although the book is commonly celebrated as a metaphor for colonial subjugation, Dr. Krolikoski complicates this established reading to argue that its artistic significance lies in Han's paradigm-shifting use of colonial poetry as a medium of communal expression during a time of national crisis. The lecture explores how Han uses fiction and symbols to collapse the boundary between private and public address, transmuting the individual voice of his poetic speaker into a platform for a community. Dr. Krolikoski also contextualizes The Silence of Love within the history of the translation of foreign poetic forms into Korea during the 1920s, with a focus on how Han incorporated elements from the lyric and prose poem into his verse. Dr. Emily Jungmin Yoon, author of Find Me as the Creature I Am (Alfred A. Knopf, 2024) and assistant professor of Korean literature at the University of Hawaiʻi at Mānoa, will serve as moderator. For more information, please visit the link below: https://www.koreasociety.org/policy-and-corporate-programs/item/1859-sherman-family-korea-emerging-scholar-lecture-2024

After writing a viral article called “The Missing Tool” I was fortunate to meet Gab and Nim who are the co-founders of a startup called Dessn.Dessn is a new way to ship design changes without having to write code. Their extension overlays a Figma-like interface on your live web app so designers can easily make changes. Their AI then writes the code and pushes it to your Github. That means designers can now contribute directly to production.Over the last few months we've had regular jam sessions about the future of design tooling, how AI impacts software creation, and everything in between…These jam sessions have been some of the most inspiring conversations I've had this year. So this week's episode is a way to loop you in on some of those conversations. We go deep into:The future of design systems with AICrafting a product strategy in today's landscapeNavigating the idea maze as an early stage founderWhat it means to have an “AI native” product strategyHow the flattening of the talent stack impacts designersWhy Nim was so inspired by the head of design at UnsplashWhat “taste” looks like when operating as a creative directora lot moreCheck out the Dessn websiteNim mentioned V0.dev as a way to create software (also might like Meng To's recent episode)The short story Library of BabelStudio Ghibli animation studiosGraza olive oil as an example of what a strong brand looks like in a commoditized product line

Hva skjer med ytringsrommet og ytringsfriheten når vi ikke vet om utsagn kommer fra mennesker – eller KI? Generativ KI – som språkmodellen ChatGPT eller bildegenereringsverktøyet Midjourney – har gitt oss ny, spennende og tilgjengelig teknologi. Men hva blir konsekvensene? – for eksempel når det har blitt lett å lage troverdige deep fakes av politikere? Disse verktøyene kan skape tekster, bilder og musikk – betyr det at disse ytringene er beskyttet av ytringsfriheten?   Adele Matheson Mestad jobber i NIM (Norges Institusjon for Menneskerettigheter), og kommer med et lite teknologibrøl i denne episoden av Jusspodden.    NIM og Teknologirådet har laget en rapport om generativ KI og ytringsfrihet som du kan lese her.   Neste uke er det siste torsdag i måneden, og Jusspodden er på plass med ny episode for å oppsummere de viktigste, skumleste og rareste jussnyhetene fra måneden som har gått. Er det noe du har lyst til å høre mer om kan du ta kontakt på jusspodden@gmail.com.See omnystudio.com/listener for privacy information.

找不到工作？想轉職？ 想增進自己的工作能力？ 青年朋友別慌！ 「投資青年就業方案第二期」，陪你做好職涯規劃、修煉工作技能，還有專人客製化就業服務，讓你求職無往不利。【勞動力發展署廣告】 方案這裡看 https://bit.ly/4cn3fdf -- 城揚建設新推出的「陽明第一廳」 緊鄰三民區的明星學府-陽明國中 46~52坪，每層四戶兩部電梯 最適合有換屋與置產需求的你 讓生活中充滿書香、運動風，滿足食衣住行的消費需求 城揚建設 陽明第一廳 07-384-2888 https://bit.ly/3YvDjc7 －－－－以上訊息由 SoundOn 動態廣告贊助商提供－－－－ 中國經濟自疫情過後並未有效復甦，內需消費與投資力道疲弱，房地產市場泡沫、金融風險壓力加劇、加上地方政府債務等燙手山芋，為什麼中國政府無法解決這些問題？這幾年習近平自我感覺良好，鼓吹東升西降的「新質生產力」已成空談？中國已經陷入了中等收入陷阱了嗎？美國共和黨大選綱領「將取消中國最惠國的待遇」如果實施，對中國經濟會產生什麼結構性影響？！精彩訪談內容，請鎖定@華視三國演議！ 本集來賓：#陳松興 #矢板明夫 主持人：#汪浩 以上言論不代表本台立場 #中國經濟 #地方債 #中等收入陷阱 #習一尊 電視播出時間

In his Travillian Next debut, Michael Perito, Travillian's Head of Bank Strategy, discusses second-quarter bank earnings with David Feaster, Senior Analyst of Raymond James. Bank stocks have rallied over the past couple of weeks, and optimism around NIM inflection and accelerating M&A pipelines seem to be building as we look towards the second half of 2024.    The conversation with David covers many topics, notably bank investor's expectations pre-quarter, commercial real estate credit trends and the impact forward rate expectations can have on earnings revisions and valuations. David notes that improving sentiment amongst bank investors could help sustain increased deal flow and capital raising activity, while he also provides his top two investment ideas currently.

In This Episode Deposits are the aqua vitae of banking, the water of life. The very core of the traditional banking business model is gathering deposits at no to low-cost and lending the money back out at higher rates. Bankers used to reference the “3-6-3 Rule”: bring in deposits at 3%, make loans at 6%, and be out on the golf course by 3:00PM. Money is the primary raw material in the business of banking. The difference between what financial institutions pay for that raw material is subtracted from what they earn from lending it out right at the very top of their income statements. That difference is net interest income, and it is the largest component of earnings for virtually every bank. As much as 95% or more for some. Expressed as a ratio, the net interest margin or NIM is a key metric in measuring bank performance, and it's been under considerable pressure lately. The traditional levers have been trying to lower deposit rates and raise loan rates, and hope you don't lose too much volume. As the business has become more complex, so have the tools and strategies to reduce that pressure. Today we get into some of the hidden levers that banks are using to add non-rate value, one focus is SBA lending. How new approaches and new technology is expanding the market for banks large and small, and also for fintechs; and how the secondary market is helping to improve liquidity and improve NIM. Joining host JP Nicols in this episode are Steve Tanzer and Joel Updegraff, both Managing Directors at Brean Capital.

In this episode of Building Texas Business, I sit down with Rob Holmes of Texas Capital Bank. Rob shares the bank's dramatic turnaround story since he became President and CEO in 2021 amid challenges, including a failed merger. Rob explains how Texas Capital improved its standing through strategic moves like fortifying capital levels and attracting talent from global institutions. We explore Texas Capital's community focus through initiatives increasing volunteerism and launching a charitable foundation. Rob highlights how their junior program brings diverse talent while nurturing a vibrant culture. Wrapping up, Rob discusses maintaining liquidity amid regional banking stress, their strong capital position, and diversification that sets them apart. SHOW HIGHLIGHTS Rob and I discuss the transformation of Texas Capital under Rob's leadership since 2021, highlighting the strategic moves that improved the bank's financial standing and attracted top-tier talent. Rob explains how Texas Capital's strong capital position and strategic diversification helped it navigate the regional banking stress of 2023. We explore Texas Capital's commitment to community engagement, including extensive volunteer hours, the founding of a new charitable foundation, and various philanthropic activities across Texas. Rob elaborates on the bank's innovative junior program, which has attracted diverse and talented professionals to Texas Capital. We discuss the importance of maintaining a respectful, collaborative workplace culture and the value of in-office collaboration for fostering a strong, healthy culture and achieving better customer outcomes. Rob shares insights on the challenges facing the banking industry, such as regulatory inconsistencies, the inverted yield curve, technology integration, and commercial real estate risks. We discuss Texas Capital's strategic initiatives to expand services, including public finance and equity research in oil and gas. Rob reflects on the lessons he has learned from his career, emphasizing the importance of candor, transparency, and servant leadership. Rob recounts personal anecdotes about his first jobs and leisure pursuits, offering a glimpse into his personal life and leadership style. We touch on the role of media in shaping perceptions of regional banks and the distinct advantages of regional banks in serving local communities and businesses. LINKSShow Notes Previous Episodes About BoyarMiller About Texas Capital GUESTS Rob HolmesAbout Rob TRANSCRIPT (AI transcript provided as supporting material and may contain errors) Chris: In this episode, you will meet Rob Holmes, President and CEO of Texas Capital. Rob shares an inspiring story on how Texas Capital has rebuilt itself and become the first full-service financial services institution headquartered in Texas. Rob, I want to thank you for joining me here on Building Texas Business. Welcome to the show. Thank you very much. Let's start. I know you're the CEO Building Texas Business. Welcome to the show. Thank you very much. Let's start. I know you're the CEO of Texas Capital. Tell the listeners a little bit about what Texas Capital is and the type of services it provides here in Texas. Rob: Great. Well, thank you very much for having me. So Texas Capital had a very proud founding in the late 90s by Texas business people to found a bank to serve Texas businesses with local decision making. After all, the banks failed in the late 80s and they had a very proud run and 05 went public and did very well. Then about the mid teens we kind of started going a little sideways and by the time I got there the bank needed to be kind of rebuilt and so we had a failed merger with a bank about a third our size and that tells you anything, and really because of COVID. But after that they needed new leadership and so what we did was we started over and we went fast. So we raised a perpetual deferred deal with sub-debt securitization, got out of a line of business correspondent banking that attracted a lot of capital and improved the capital by about 270 basis points in about eight weeks, and that's my bet as we run the bank very conservatively. We also brought in a lot of new talent. So the entire operating committee is new. We have a new junior program we can get into that later. But then we started on the journey to build and this is kind of interesting. I think you'll find it interesting. We're the first full service financial services firm ever to be headquartered in Texas and if you think about it it makes perfect sense. So in the 80s you had Glass-Steagall and stuff. You had a lot of big banks. They failed. They were replaced by larger institutions from out of state that saw this as a very attractive market. But the in-market banks never went into the full service direction. So regional banks are made from community banks and they get bigger and they didn't have the products and services. They just had NIM banks, if you will Sure. Chris: Well, that's an impressive thing to have a claim to being the only one headquartered in Texas. I would not have thought that, you know, given some of the other Texas yeah. So I mean you're not kidding when you said a full restart just a few years ago. Rob: Full restart. So we have think about who we're able to attract, and this says more about Texas than Texas Capital. But the woman that runs treasury services for us ran treasury services for JPMorgan Chase globally. Our chief risk officer was the head of risk for JPMorgan's investment bank and then chief risk officer was the head of risk for JP Morgan's investment bank and then chief risk officer for the commercial bank and then head of risk for real estate globally. Our head of ops was a head of ops and tech for Stan O'Neill at Merrill Lynch. The CEO Started in the mailroom, ended up reporting as CEO head of ops and tech for Merrill Lynch. I think he can do it here and that so and that just kind of it keeps going. Our CHRO came from Cilindes and our CIO has an impressive background. Our head of commercial banking all of them had bigger jobs at much larger institutions. Chris: Yeah, what that tells me, Rob, is that those people saw a bright future in the business climate in Texas to make those kind of moves to join you and the Dallas headquarters. Rob: There's no doubt about it and, by the way, I wouldn't have tried this anywhere else, I mean for sure. So, as you know, texas is eighth largest economy in the world, second largest workforce, youngest workforce, fastest growing. We've created 46,. We've created more jobs in 46 last 48 months, so it's a very attractive place to be overall? Chris: What was it about just speaking to you? I know you joined in 2021, that based on the career you had built to that moment where you saw this as the right opportunity for you. Rob: I was very happy where I was. So I was primarily in the investment bank at JPMorgan Chase, but my last 10 years I ran the large corporate bank and the commercial bank ended up taking that to 22 countries. So I ran that business. Globally it was over $180 billion in assets. It was a third treasury, a third lending and a third investment banking. Great business, great people. But when this bank kind of went sideways, I had two or three people call me and say, hey, I'm thinking about this, would you come run it? And it surprised me. I'm like, why are you calling me? But then I started looking at it and, like you, I'm from Texas. I commuted to New York for 25 of the 31 years that I worked for JP Morgan. But people kind of said, why don't you come home and build something special with where you're from? And that, through more and more dialogue, became very appealing to me and I did not know and shame on me that as bad a shape as a bank was when we got there. But it ended up being a blessing because you know like today it'd be very difficult to do what we did. I mean to have a board, investor base, regulators, constituents. Let you reinvest. We reinvested over a third of our non-interest expense and then more, and we said to the investor community and the board and others that we're going to have negative operating leverage for about a year and a half. That'd be very hard to do in this climate, right? And so the other thing we had to do became a blessing because you had to do it all at once, and so I'm glad that's behind us. Today the bank is. It used to have just mono banking, like a community or regional bank. Today we have segmentation, so you have business banking for small businesses, middle market banking for a little larger businesses, a little more sophistication, and then we have a corporate banking group like a money center bank. And when you have a corporate banking group you have to have industry expertise. So we have energy, diversified FIG, government, not-for-profit healthcare, tmt and mortgage, so we have the industry expertise of any money center bank right here in Texas. And then we have private wealth and then we rebuilt all of treasury. So it's a brand new bank. We have a new payments platform, new lockbox, new card, new merchant, new digital onboarding that we came up with. And so we people say the banks can't compete on technology like with the big bank, but we can because we have one platform. Those big banks have many platforms because they're a combination of many banks. We can go in that if you want. And then we have one platform. Those big banks have many platforms because they're a combination of many banks. We can go in that if you want. And then we have, as I said, private wealth, investment banking, and we can go into as many of those areas as you want. Chris: So you basically built it like you said. As businesses are coming to Texas, you're ready to serve whatever need they have. Rob: For sure. So we want to be very relevant to our clients and we are a one-stop shop, so you won't outgrow us. We were a top 10 arranger of bank debt for middle market companies in the years. We've done about $110 billion of notional trades in about 18 months. Wow, it's profitable. Chris: So what's your vision for the future, then for Texas Capital, and kind of, how are you working to achieve? Rob: that it's actually pretty simple. It's maturing the platform that we built. So we are the number one lender to Texas-based businesses of any Texas-based bank. Now that's new. We've had tremendous success. Business owners and decision makers love the local decision making. They love the fact that when they hire us, they're getting a very talented, experienced MD working for them instead of maybe the money center bank, whatever, a VP or something assigned to it. They just like the local decision making, local access. But the go forward strategy is People ask me this all the time what's next? And they think that we have a big bang answer. The big bang answer is delighting clients and banking the best clients in our markets, and we've always said, or I've always said we'll be defined by our clients, and so we have been blessed to have clients be attracted to the strategy and platform. So we're going to just do more of what we've done. Chris: So what I like about that strategy is the simplicity. I think there's a lesson there for entrepreneurs and other business owners in what you've done in the last few years, and that to me is get the foundation right and your core right Correct, and then do the fundamentals really well. Right, it's blocking and tackling is what you're doing. Rob: It's executing now for sure. And I had one CEO of a very renowned New York financial firm ask him to come see me. They had heard about what we were doing and he wanted to understand it because we actually we took what he would say was the very best person from his sales and trading floor who had been there 18 years. He didn't understand how we could attract that person because that person drove a U-Haul to Dallas with his wife and kids before we were even open. And he said tell me your strategy. And I went through it and, to be honest with you, I was hoping he would like it because I was pretty long the strategy. And so he did. And I said what do you think? He said I think y'all are going to be very successful. And this was early on. And I said why is that? He said do you have a differentiated strategy with differentiated talent in a differentiated market? And I think that's true. But then he said what do you think? And I said well, our talent's really. This is back in 21. Now we've done all these things, but I said that the talent is really good, but we've got to do everything with this jersey on now and delight our clients with TCB jersey, not another jersey. And he said look, rob, do it once, it'll be hard, do it three times, you'll be good. The fifth time you're an expert and I kind of he kind of and he's pretty renowned. It was a pretty simple lesson but it's kind of true. And now we have done it and we are good at what we're doing. But we still can mature the platform, that treasury platform we talked about. It's literally second to none. We're doing open banking for clients. We're doing a digital onboarding. You can open a commercial account tomorrow at a money center bank. That take eight weeks or six weeks. But that platform to scale to get the most out of it, I mean we could run it without any more investment for five years. So we got to scale the business and, by the way, it's happening. So that treasury platform is it's called P times V, price times volume that's how many transactions are going through the factory or warehouse financial transactions. That's usually for a bank it's a 2% business at best. It grows the economy, it grows the GDP. We're going 17%, quarter over quarter, year, quarter after quarter. That's remarkable Because of new clients moving to the platform. So it is scaling but we just need to continue to do that Right. Chris: So you talked about the platform a couple of times. What type of I guess technology or emerging technologies do you see having the biggest impact in the banking industry over the next, say, three to five years? Rob: I think real-time payments, I think open banking, and people don't really understand what open banking is. What open banking is? It's actually very simple, so think well, here's, here's one simple way. Part of it is you don't have to leave your internal financial platform to go to our platform. We'll put an API on yours and so you can just push a button and be into our system and send ACH or wire or what. So I think AI, I think open banking and I think real-time payments. Okay. Chris: Well, I can speak from experience, as we transitioned to Texas Capital a year ago and, to your point of the ease of that transition and being able to deal with decision makers made it seamless. Good Well thank you. It's been a great relationship for us, for sure. Rob: Good Well thank you. Chris: What you're saying is true, Well, thank you. It's been a great relationship for us for sure. Good, Well, thank you. I can attest to that. What you're saying is true, Well, thank you. Let's talk a little bit about where you see corporate leadership whether that's your C-suite or just the company as it exists and community impact. What type of initiatives is Texas Capital working on to be a meaningful member of the community? Rob: Yeah, well, that's a. Thank you very much for the for the easy pitch. So I think we do. We bat way above our weight in community impact. So we do tens of thousands of hours of employee volunteer in the community. We, as part of this transformation, when we were investing in the platform, we took time to also found our first foundation. We never had a foundation before. So we have a foundation and we do volunteer hours and we just were part of the group that bought Opal Lear Newhouse. We were the first one to open a branch in West Dallas. We gave the founding seed money for Southern Gateway in Dallas. We're big supporters of Rodeo here in Houston. Last year I think we sponsored the opening night, so I think you're going to see us pretty much all over the state of Texas in terms of giving and more than just money but time, resources, expertise to philanthropies. We hosted a great event about three weeks ago. People came from all over the country and it was for veterans and we had veteran not-for-profits and we had veteran-owned businesses and we just brought them together and talked about issues and how they could work together and synergies between the two and advancing veterans on a go-forward basis, and the people that came would just blow you away and the feedback of it. I happened to be out of town on a three-day weekend afterwards out of the country and somebody approached me and I didn't know them and they didn't know me, but I guess they'd seen my picture or something and they thanked me for having that veteran event. Wow, and so it had a far, far impact. It will do things like that. We have a nonprofit event in every city, getting nonprofits together, helping them learn how to raise money and trade best practices, and we do that and we'll do that in every city during the summer. So you know, our giving is good, Our volunteer hours are fantastic, Our sharing of expertise is good. Our investment in the community is great, Good. Chris: Let's circle back to because that kind of made me think of team building, right, so you talked about basically a wholesale change with the team around you. What are some of the things that you look for to make sure you're you know, through that recruiting and hiring process, that you're getting the right person for the position? Rob: Yep, so this is a great question and this was the key to what we've done so far and how we're going to reach our 25 goals. So in September of 21, when we announced a strategic plan, which was pretty dramatic, we said we're not going to achieve our financial goals until 25. With that came a lot of change and a lot of talent. So 80% of the people at the firm are new since I got there. That's 80% of over 2,000 people. So that's a lot of change, managing through a lot of change through a transformation, through a regional quote, unquote regional banking practice that I'd love to talk about, regional banking practice, regional banking stress that I'd love to talk about transformation. So there's a lot going on there, both internally and externally, that we had to manage through. And what we did is we started at the top and the bottom, so we put new leadership with new skill sets and new expectations and new goals of banking the best clients in our markets instead of just being a bank, etc. And we also started a junior program. It was the first junior program in the history of the bank. Chris: You mentioned that earlier, so tell us a little more about the junior program. Rob: It's awesome If you have a kid and they want to get into finance and they don't want to go to New York but they want to work at a great financial services firm to have them join us. So we post in. So I got there in January of 21. It so I got there in January 21. It's COVID Nobody's in the office. We'd just been through this internal stress with the failed merger, new CEO, the whole bit. I said we need a junior program. We posted 60 positions. We got 800 applications. We hired 60-something. A third of those had their masters. That wasn't required. The average GPA was over 374. So people love what we're doing right. The next year there's over 2,000 applicants and our junior program is great. And, by the way, I helped build one in the investment bank in my last firm and one in the commercial bank in my last firm. I thought they were both very good. This one's awesome. So you come in, you go through four or five months of training and then you go into your line of business. But we probably hired you after your internship the summer before, if that makes sense. Sure, the program has some of the diverse classes I've ever seen in banking and we didn't do that. This may be controversial. We do that on purpose. We did that because we hired the best people Exactly and they're the most diverse classes, and so we're really excited about that. And then the attrition rate there isn't nearly what we thought it would be. We built it for a higher attrition rate because those kids usually leave a large percentage after third year. Sure. They're not leaving. Rob: They like it, so that's been kind of fun. It's a good problem, right, it's a great problem and we'll use all of them. And, by the way, after that change you should just know the attrition stuff has dramatically slowed as the transformation slowed. We got all the talented people in place that we needed so we are ahead of corporate America, finance and Texas companies for attrition and excited about that in the new culture here. ADVERT Hello friends, this is Chris Hanslick, your Building Texas business host. Did you know that Boyer Miller, the producer of this podcast, is a business law firm that works with entrepreneurs, corporations and business leaders? Business law firm that works with entrepreneurs, corporations and business leaders. Our team of attorneys serve as strategic partners to businesses by providing legal guidance to organizations of all sizes. Get to know the firm at boyermillercom and thanks for listening to the show. Chris: Well that you know that low attrition rate leads to what you talked about earlier better customer experience, more stability. Rob: We need stability. Chris: Everybody needs stability. Yeah, for sure. Okay, so you mentioned regional banking stress. Tell me what you're referring to about that. Rob: Yeah, last spring of 23,. Eb failed, first Republic and the like. We were fortunate. So, november of 22, we sold a business to Truist for $3.5 billion with a very big premium on it. With the sale of that we became if you compare us to any $100 billion bank or above in the country or any Texas public bank we have the third most capital and I think in the next quarters we'll have the second most but third and we're number one in equity tangible common equity assets. So we're the least levered. We have third most capital. Our highly liquid assets are like 29% our cash and securities. Our AOCI problem, which is the mark on the bond portfolio. Banks are struggling with that. We're very good there. So our capital, our liquidity, et cetera, was very strong. So we didn't experience outflows of deposits or anything. What we did experience was a rotation, like every bank in the country, from non-interest-bearing deposits to interest-bearing deposits. So all banks if you want to call this cost of goods sold went up. But the regional banks for us the reason I wanted to come back and talk about that people call it a regional banking crisis. It was not. It had to do with certain banks were of the size that they define regional banks that had the wrong strategy, the wrong concentrations, and they failed, right. That's not because they're regional banks, right, they just happen to be that size. By the way, credit Suisse failed too. It is a global bank, right. So you know, I think this is sometimes where the media gets the message wrong and puts fear into the market, and they love it, and they love it and so I'm really proud of what the regional banks do and how they serve their clients in market and their local communities, giving back to their communities, being Main Street lenders, and I'm really proud of. You know how we do that. I think I told you before we went on the air. We're the number one lender of Texas-based businesses, of any Texas-based bank. That's a big deal because these money center banks they may be in the state or super regionals in the state or even regionals in the state but, if they decide, oh you know what, it's not okay to bank an energy company, they don't Well, guess what? We have those decisions here. We don't have somebody else deciding our social norms. Chris: Right, right, that's a great selling point. Going back to the kind of the junior program and this new team, let's talk about culture, I mean. So how would you define the culture at Texas Capitol and kind of, what do you think you've done to kind of foster that and what do you see as necessary to keep it growing? I think? Rob: the culture is transparent, curious, candid and relentless dissatisfaction, as my general counsel calls it. So, look, we've made a lot of change. We'll continue to make a lot of change. We just hired somebody to run public finance for us. We didn't have that before. Lot of change we just hired somebody to run public finance for us. We didn't have that before. We started into the foray of public equity, research and oil and gas. We're going to keep growing and building, doing things that serve our clients and our clients' needs. But the one thing that we kind of talk about a lot is and I'll say it little softer is you know just no jerks allowed. You could talk about, you can talk about Ivy League. You know culture and they have you know big words, but the simple thing is like we're gonna treat people with respect, period. Right now. You can be tough and you can be hard, but you gotta be fair, right, and you gotta be polite. And you know you can be hard but you've got to be fair and you've got to be polite and you can have high expectations while being compassionate. So we have high expectations, we are moving fast, but we do treat people with respect and we like working with one another and that's been part of the fun is, we've been in office because we think that's how you build a career and not a job, and that's how you collaborate to serve your client and that's what's best for our clients and best for employees. And we like being with one another. We don't want to work remote from a beach and not share life's experiences with our colleagues. Chris: Yeah, couldn't agree more. I mean, we got back to the office in May of 2020. I believe, and my partners here, you're a part of an organization for a reason. Organizations are a group of people together, right, correct, and we learn from each other. We can collaborate in a customer service-related industry. Like you and I are in the customer does better when we're collaborating to serve them, you and I are in the customer does better when we're collaborating to serve them, and we do that when we're together. Yep Hands down, no question. And we've been like you. We've been in office in person for a while now and you read as much as I do for the last six, seven months. You just see the pendulum swinging back because the other organizations are realizing they're losing customer satisfaction, they're losing engagement with their people. You can't have a culture if you're not together. In my view, or you can. Actually, you can have a culture. It's just not a healthy one in my view. Yeah, it's really bad, that's right. Rob: So, look, looking back, it seems like a really easy decision and, by the way, I was back in the office in 2022. But at this room, I didn't get there until January 21. Nobody's back in the office. You meant 22 as well. Yes, I did. I did. Excuse me, I did, but you know I got here in 21. We went back to office Memorial Day the Tuesday after Memorial Day of 21. And it was a harder decision then. It seems easy now Because, like even the day before, there was rumors of everybody in our ops organization that they were going to protest and walk out. You know at 901 and we decided, we made a conscious decision that this is what they're going to do and we wanted the people that wanted to be in the office right, and we may lose some people, and that's fine, and it would be harder in the short term, but the people that would be attracted to the platform and the business and us would be people that wanted careers, not jobs, and, by definition, those are the better employees, right, and I think those people attract those people and that's how we were able to transform so much while other people were sitting at home. Chris: Yeah. Now to your point. I mean, if you have a long-term strategy right, then you're willing to go through some short-term pain to get the right people that are going to help you achieve that For sure. A little bit about just your thoughts on what are some of the biggest challenges you think facing the banking industry as we sit here today and maybe for the foreseeable future. Obviously, for the last couple of years, every month everybody's watching the Fed, so that may be part of the answer. But just what do you see as the challenges? Rob: Yeah, so there's plenty for most industries though, too. So one is, and this is an excuse, but it is a challenge. The regulatory body needs to come together and be consistent and apply things consistently. That'd be helpful. We have an inverted yield curve now for the longest time, one of the longest periods in history, you know the two years four, seven something. The 10 years four two something. That makes banking very hard for a lot of technical reasons we can go into. For most banks, technology is a problem. Most banks are an aggregation of multiple banks. They're not like us that has one technology platform. That's, by the way, brand new and totally modern. Banks have not been willing to. It's been a cost cutting game because a lot of banks this is why our strategy is so good NIM banks. So net interest margin, which is loan only, the model of taking a deposit and making a loan and achieving a return above your cost of capital through cycle, I think is very difficult and that's why we supplemented our platform. You know loans, investment banking, private wealth. You know all the different things we do for a client so that we can achieve that return, because a lot of the banks to have that return would have to maybe make a riskier loan to get a higher spread or what have you? So I think the NIM banking model to get a higher spread or what have you? So I think the NIM banking model especially after spring of 23, is hard. I think the technology spend is hard. I think there's a lot of banks that have too much commercial real estate. So our commercial real estate is a very small percentage of our total capital. Regulators want you to be maybe 250 or 300%. There's a lot of banks that are 400. That's too much, yeah. And when you have that much commercial real estate, remember a lot of its construction loans, and so the construction loans. You made that decision today and you're funding it in two years. So you're going to you're that that concentration, because those paydowns are, you know, like a five-year low and commercial real estate is going to keep growing. So banks marginal loan the dollar to make the next loan. The cost just went up, so they're going to slow down their lending while the commercial real estate gets absorbed. They can't be relevant to their clients with anything other than the loan product and if they're not doing that, they're going to slow down their growth and slow down lending. They can't be relevant to their clients with anything other than the loan product, and if they're not doing that, they're going to slow down their growth and slow down lending. They don't have the margin to spend on technology. Chris: And those are some of the problems. Yeah, there's cascades, right, totally. Let's turn a little bit to just kind of you and leadership. How would you describe your leadership style today and maybe how you feel like it's evolved over your career? Rob: I think you've got to do what you want other people to do. So I'm in Houston today. We're seeing six clients we talk all the time about it's about the client, not us. Ops exists to serve a client, technology exists to serve a client. It's not for the bank. And so we have become pretty client obsessed at Texas Capital, delivering the best outcomes for our clients. I mean, like the one deal I think I told you about, we sole managed the largest debt deal in the country last year. The largest sole managed debt deal in the country last year. That's after a money center bank failed doing it. We gave the client the best advice, knowing they'd probably go with the other bank. They did. The other bank failed them. They came back to us and we did it. Now we have a client for life. So give the client the right advice, do the right thing for the client, but your people have to see you do what you want them to do. So I'm with clients. We are aggressively serving clients, but we've managed the place very conservatively. And then I think candor and transparency is really important. Chris: I think those are great qualities, anything that you could point to. I always think people I'll speak for myself, but I think I hear it in others as well a setback or failure that you encountered, that you learned from, that made you better as a leader, as a business person, anything that comes to mind, that where you look back and go, wow, that was transformational. Because of that, how long do you have? Rob: No, I think we talked about junior program, one that always comes to mind because there's early on the program of what early on my career was. When I was a junior, you know, I talked to that junior class a lot and one of the things I tell them is be careful, because you know, building your brand sometimes is too easy, like you know, if you do something great, like I had some successes early on as being a good client guy, then I was the client guy, but also my brand that I got early on was, as a junior was I wasn't very good at details and as a junior an analyst associate your only job was details Right, and so I learned the hard way that maybe I needed to focus on the details. Now I would suggest that the people that work with me think I'm too focused on the details. But that's because I learned the hard way as a junior and people corrected me Right and I'm not sure if they corrected me the wrong way or right way. That was the old days, but they certainly made an impression. So I think that was one of the things I learned is details matter and details are important, and I learned it as a junior and that stayed with me throughout my career. The other one was one I think is interesting is later on, when we were talking about a promotion, one of my bosses told me that I think this is really important for people to know, because I think it's true. He said rob, I don't it, my vote doesn't matter. The vote that matters is everybody else on the floor that works with you, because I'm not promoting you unless they want you promoted, right and so I do think that you know that's a pretty good lesson too. Chris: Yeah, kind of well servant the well, servant leadership, for sure, and that kind of team mentality For sure, team mentality. And I've said forever, I think the lessons you remember the most are the ones you learned the hard way. For sure, so the details right. Chris: So he's like I'm not going to let that happen again. For sure, that's great. Well, I appreciate you sharing those up, but I think it's a great quality leadership to have that vulnerability and humility about you for sure. So I'm going to kind of move away from the business stuff. Okay, to wrap things up, I want to know what was your first job, my? Rob: first job was uh bagging groceries and stocking grocery shelves in high school I did the same thing, did you? Chris: yeah, uh, it was hot and yeah, I tell people we had to wear like black pants. Oh, yeah, these kids get to wear shorts. Now I'm like this is going easy on them. Rob: Yeah, I think one day one of the guys got mad at me because they made me restack all the remember when people used to return the glass bottles. Yeah, and it was in a cage in the back of the alley of the grocery store. It was about 110. And nobody had organized them for about three months and I got fine job. Chris: Very good. All right, you're born and raised in Texas, so do you prefer Tex-Mex or barbecue? Rob: Both Like a brisket taco. Yeah, that's pretty good. Yeah, yeah, I like that All right. And last thing if you could take a 30-day sabbatical, where would you go and what would you do? I'd probably spend half of it fly fishing in Montana and half of it quail hunting in South Texas. There you go, Just not this time of year. Not this time of year. That's right. Chris: Rob, I want to thank you for taking the time. I mean, I had no idea the details behind the transformation at Texas Capital and obviously what you and your team are doing and have done is nothing short of remarkable. So thanks for sharing that. Rob: Well, thank you, I think you know. We think Texas does deserve its own full-service financial services firm. Chris: Well, I'm glad you're delivering it. Thank you, take care. And there we have it another great episode. Don't forget to check out the show notes at boyermiller.com forward slash podcast and you can find out more about all the ways our firm can help you at Boyermiller.com. That's it for this episode. Have a great week and we'll talk to you next time. Special Guest: Rob Holmes.

Join us as we dissect HSBC's recent earnings report to demystify financial statements and explore the valuation process used for banks.From a career perspective, we shine a spotlight on the Financial Institutions Group (FIG) and delve into the unique role of a FIG analyst compared to other sector teams.If you're aspiring to a career in investment banking, this episode is a must-listen! *****FIG refers to the Financial Institutions Group, which is a sector within banking that focuses on providing specialised services to financial institutions.NIM, or Net Interest Income, is the difference between interest earned from assets like loans and interest paid on liabilities such as deposits.Net fee income represents the revenue generated by a financial institution from fees charged for services provided to clients, after deducting related expenses.Net operating income is the total revenue earned by a company from its core business operations, minus operating expenses.EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization, representing a company's profitability before accounting for non-operating expenses.DCF, or Discounted Cash Flow, refers to the method of valuing an investment by estimating its future cash flows and discounting them to present value using a specified discount rate.Enterprise Value is a measure of a company's total value, calculated as market capitalization plus debt, minority interest, and preferred shares, minus cash and cash equivalents.Free cash flow represents the cash a company generates after accounting for capital expenditures necessary to maintain or expand its asset base.Price/earnings (P/E) ratio is a valuation metric calculated by dividing a company's stock price by its earnings per share, indicating how much investors are willing to pay for each dollar of earnings.Price/book (P/B) ratio compares a company's stock price to its book value per share, reflecting the market's valuation of a company relative to its accounting value.Price/Tangible Book Value compares a company's stock price to its tangible book value per share, excluding intangible assets, providing insight into the market's valuation of a company's tangible assets.*****Join our next free M&A Finance Accelerator simulation. Perform well and you could be fast-tracked to our partners UBS www.amplifyme.com/mafa Hosted on Acast. See acast.com/privacy for more information.

진행자: 김혜연, Kevin Lee Selzer [KH Explains] No more 'Michael' at Kakao Games 기사 요약: 사내 영어이름 사용 대신 한글 본명에 '님' 호칭 도입한 카카오게임즈 Kicker: Amid major reform push at Kakao, game developer affiliate moves to stop using English names in office *reform push 개혁 촉구 *affiliate 계열사 [1] Kakao Games has decided to scrap using English names among its employees, becoming the first Kakao affiliate to backtrack on the IT front-runner's attempt to make a more bottom-up working environment with open communication. *scrap 폐기하다, 버리다 *backtrack (의견 등을) 철회하다 [2] Kakao Games CEO Han Sang-woo, whose English name is Michael, announced the decision in a meeting with employees on April 17, noting that there had been confusion as its workers had to use English names inside the company but went by their Korean names for external communication. *confusion 혼란, 혼동 *external 외부의 [3] Instead of using English names, Han said the employees will now add “nim” at the end of each other's Korean name when addressing one another. Nim is an honorific suffix used in the Korean language to show respect. Compared to adding nim at the end of hierarchically ranked job titles, adding it to the end of employee names shows respect to individuals in an egalitarian manner. *honorific 존경을 나타내는, 경칭의 *egalitarian 평등주의(자)의 [4] Kakao Games said the exact timing for the implementation of the new name system has not been determined yet, adding that the employees have already been using both English names and the nim suffix for Korean names. *implementation 새 제도 이행, 시행 *suffix 접미사 기사 원문: https://www.koreaherald.com/view.php?ud=20240428050174 [코리아헤럴드 팟캐스트 구독] 아이튠즈(아이폰):https://itunes.apple.com/kr/podcast/koliaheleoldeu-paskaeseuteu/id686406253?mt=2 네이버 오디오 클립(아이폰, 안드로이드 겸용): https://audioclip.naver.com/channels/5404 팟빵 (안드로이드): http://www.podbbang.com/ch/6638

Guess what? I just had the most amazing chat with Nim Stant on the latest Adventure Paradox podcast! You know, the one where she shares her journey from Thailand to Arizona and how she's on a mission to light a fire under everyone's behinds?As part of Authors' Week, we discussed Nim's books, "Go All In" and "The Yoga Journey," and it's like she's handing out nuggets of wisdom left and right. She's all about caring for her readers and never stopping the learning train. Oh, and get this – we didn't just talk about books. Nope, we got into the nitty-gritty of entrepreneurship, how to parent without losing your sanity, and how to kick fear in the butt and reach those big, scary goals.But here's the kicker: Nim's commitment to self-care and staying true to your dreams, creates an infectious curiosity that just makes you wanna dive headfirst into whatever life throws at you.And get this – she's not just about helping herself. Nim's doing some seriously cool stuff with other authors, helping them get their words out into the world. It's like she's this beacon of positivity and inspiration, shining a light on everyone around her.Seriously, it's like chatting with your most motivating friend who's always got your back. Nim's gonna have you feeling like you can take on the world – and spoiler alert, you totally can!Episode Chapters:01:26 Creating Platforms for Transformation04:26 Unleashing Your Full Potential5:11 Living Up to Your Potential 06:11 The Spark That Ignites Action08:20 Turning Words into Wealth and Impact8:50 Care about your reader09:02 Crafting Your Literary Legacy09:35 Turning Adversity into Inspiration10:22 From Personal Experience to Universal Lessons10:58 Keep Going11:43 The Power of Commitment13:00 Carving Out Time for CreativityJust says "buy the book on Amazon!"Support the Show.Connect with me in the following ways:catcaldwellmyers@gmail.comwww.catcaldwellmyers.com@catcaldwellmyers@adventureparadoxThe Adventure Paradox Podcast Page (Fb)

Nate Benish and Yoni Ben-Shimon are CoFounders of NIM Network. In this episode, we cover NIM Network and how it enables crypto-powered AI ownership in games and apps. We discuss how AI opens up new possibilities for the future of gaming, how NIM marries the benefits of crypto and AI within games, and how NIM aims to drive new standards for AI agents, which can play, transact, and generate income. ------

Derek Moore and Jay Pestrichelli, CEO of ZEGA Financial, discuss Friday's selloff. So, was it all the readjustment of Fed rate cut expectations? Is CPI Inflation putting the Fed in a box? Michael Saylor says Bitcoin is better than Gold. The rally in Gold that everyone is sleeping on. CPI Supercore trending higher showing services not goods are the culprit. Later they examine the VIX Futures curve as the front months rise. Finally, they talk about the continued bear market due to higher rates on 10-to-30-year US Treasuries from the March 2020 all-time highs against the stock market and high yield.    Michael Saylor Bitcoin vs Gold Market selloff reasons High Yield bonds vs equities CPI Supercore trending higher lately. CPI Core vs CPI year over year VIX futures curve and explaining difficulty in picking how to play expected rise in volatility US 30-Year Treasuries made all-time high in March of 2020 but down -44% since What would it take for bond holders to get to break even? Stealth rally in Gold and comparing buying physical gold to gold ETFs GLD and GLDM Comparing inflation outlook between Democrats, Republics, and Independents Earnings season arrives while banks reported but talked NIM net interest margins suffering     Mentioned in this Episode   Podcast: Explaining How and Why Bonds Make or Lose Money https://open.spotify.com/episode/3AUT2DVbHfEQyJglpe70nP?si=wIFug8IfR1-sb_bX03qNHA       Previous Week's Podcast:   Buying At All-time Highs Better? | S&P 500 Returns After Last Hike | Developed International Beats the S&P | How To Tell Whether Options Are Expensive https://podcasts.apple.com/us/podcast/buying-at-all-time-highs-better-s-p-500-returns-after/id1432836154?i=1000651729073   Jay Pestrichelli's book Buy and Hedge https://amzn.to/3jQYgMt   Derek's new book on public speaking Effortless Public Speaking https://amzn.to/3hL1Mag   Derek Moore's book Broken Pie Chart https://amzn.to/3S8ADNT   Contact Derek derek.moore@zegafinancial.com    www.zegafinancial.com                                       

As we often discuss, AI is moving fast. Many people say that Apple is getting left behind. Well, this week, Apple's AI plan is becoming clearer. There's plenty of other tech news to discuss, like the looming TikTok ban, Walmart's selling the MacBook Air, and the tech layoffs continue. We also have some witty humor, pro tips, and picks for your enjoyment. Watch on YouTube! INTRO (00:00) About that TikTok ban (03:45) Apple and AI Apple Is in Talks to Let Google Gemini Power iPhone AI Features (06:00) Apple acquires startup DarwinAI as AI efforts ramp up (08:10) Apple researchers achieve breakthroughs in multimodal AI as company ramps up investments (11:50) Nvidia's GTC 2024 Keynote - Blackwell, NVLink Switch, NIM, Project GROOT (16:25) CryptoWatch: Ethereum network finishes cost-cutting Duncan software upgrade (18:20) DAVE'S PRO-TIP OF THE WEEK: Measure AR (20:40) JUST THE HEADLINES: (27:25) ASCII art elicits harmful responses from 5 major AI chatbots Cisco completes $28 Billion acquisition of Splunk Playing thriving reef sounds on underwater speakers ‘could save damaged corals' Monopoly Go hits $2B in revenue just 10 months after launch Neil Young Says His Music Is Returning to Spotify xAI is releasing the weights and architecture of their 314 billion parameter Mixture-of-Experts model, Grok-1 Games are coming to LinkedIn Google DeepMind's latest AI agent learned to play Goat Simulator 3 McDonald's IT systems outage impacts restaurants worldwide TAKES: Walmart brings the M1 MacBook Air to its shelves for $699 (29:30) Apple Vision Pro used in UK spinal fusion operation (34:45) Laid-off techies face ‘sense of impending doom' with job cuts at highest since dot-com crash (36:20) Automakers are sharing consumers' driving behavior with insurance companies (40:20) BONUS ODD TAKE: The Great Toilet Rebrand (45:30) PICKS OF THE WEEK: Dave: TP-Link Tapo Pan/Tilt Security Camera for Baby Monitor, Pet Camera w/ Motion Detection, 1080P, 2-Way Audio, Night Vision, Cloud & SD Card Storage, Works with Alexa & Google Home Tapo C200 (49:20) Nate: Television by Sandwich (54:25) RAMAZON PURCHASE (59:50) Find us elsewhere: https://notpicks.com https://notnerd.com https://www.youtube.com/c/Notnerd https://www.instagram.com/n0tnerd https://www.facebook.com/n0tnerd/ info@Notnerd.com

Nvidia announced… well, a ton of things. Two new AI tools show that video is having an AI moment. An update on how TikTok is faring in the Senate. And an interesting raise from a startup that wants to become a major new platform player in Gaming.Sponsors:FactorMeals.com/ride50 and code ride50Links:Nvidia CEO Jensen Huang announces new AI chips: ‘We need bigger GPUs' (CNBC)Nvidia launches NIM to make it smoother to deploy AI models into production (TechCrunch)Nvidia enlists humanoid robotics' biggest names for new AI platform, GR00T (TechCrunch)Nvidia announces Earth-2 digital twin to forecast planet's climate change (VentureBeat)Google researchers unveil ‘VLOGGER', an AI that can bring still photos to life (VentureBeat)Stability AI brings a new dimension to video with Stable Video 3D (VentureBeat)DOJ to Push for TikTok Divestiture in Senate Briefings (Bloomberg)Playtron: the startup hoping to Steam Deck-ify the world (The Verge)See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Mikah Sargent and Jeff Jarvis watch Jensen Huang's highly technical keynote for NVIDIA's GTC 2024, which showed off the powerful Blackwell platform, NVIDIA Inference Microservices, the NVLink Switch Chip, Project GROOT, and several business partnerships revolving around AI. Hosts: Mikah Sargent and Jeff Jarvis Download or subscribe to this show at https://twit.tv/shows/twit-news. Get episodes ad-free with Club TWiT at https://twit.tv/clubtwit

This is going to be a wild rambling ride. In 1939 a computer called Nimatron was made. It was one of the earliest digital electronic computers in the world. It did one thing: play a game called Nim. Over a decade later, in 1951, another Nim machine hit the scene. This computer called Nimrod, was designed to demonstrate how computers worked... by playing a game of Nim. These machines, humble as they may sound, end up deeply complicating the history of computing. Join me as I, once again, muddy the long arc of progress.   Selected Sources:   https://archive.org/details/faster-than-thought-b.-v.-bowden - Faster Than Thought   https://www.goodeveca.net/nimrod/NIMROD_Guide.html - Faster Than Thought