Podcasts about nysc

The More Sibyl Podcast Presents: 사랑, 순종, 그리고 상실| Fatherhood, Feminism, and Faith: A Candid Conversation — The One with Dr. Ikechukwu Okoro | Episode 20 (2025)What happens when your “common-sense advocate” friend—often (lovingly) accused of being a chauvinist—joins the podcast to talk gender roles? You get a rich, rowdy, and unexpectedly tender Father's Day conversation.In this special episode, I sit down with Dr. Ikechukwu Okoro (Or Aikay as I call him): physician, artist, and one of the oldest friendships I've kept since our NYSC days in Ibadan. Together, we explore the complex layers of ambition, masculinity, submission, grief, and family legacy.We dive into what happens when men marry ambitious women and later feel threatened by that ambition. Is ambition unbiblical? Can submission and purpose exist in the same household? We unpack these tensions with scripture, personal stories, and the Proverbs 31 woman as a backdrop. (Yes, there's a twist at the end.)Aikay challenges my views while sharing his own, particularly on why ambition should never come at the cost of family. He also opens up about the loss of his father and what it means to grieve without tears. His story is both a celebration of a legacy and a powerful reminder that there's no one way to mourn.This episode is a tribute to the fathers we've had, the ones we've lost, and the ones we hope to become. It's about choosing honest dialogue over easy answers. Whether you're navigating marriage, grief, identity, or calling, this one's for you.

The National Youth Service Corps (NYSC), introduced in 1973 to foster unity after the civil war, was once a symbol of national integration and service. Today, with debates surrounding its effectiveness, some Nigerians are calling for its extension to two years to revive its original purpose.This episode of Nigeria Daily explores whether a longer NYSC can rebuild national unity or if the scheme has simply run its course.

Cobi-Jane Akinrele wants Nigerian female farmers to get paid. She's the founder of The Aké Collective, a health and wellness company that's making fonio more accessible. After leaving the Cambridge countryside for Lagos, she planned to start an agri-tech business in Jos after completing her NYSC. But, when she met women growing and selling fonio for extra income, she changed plans and business models. Ada & Lamisko dig into her work to promote women's wellness.

This week's episode is long and windy but as usual, it's terrific! Your favourite girls talk about the lack of consumer protection in Nigeria, how NYSC serves no purpose and the role our artists and creatives have in telling the true stories of our time through their work.Remember to use #ISWIS or #ISWISPodcast to share your thoughts while listening to the podcast on Twitter! Rate the show 5 stars on whatever app you listen to and leave a review. Share with everyone you know, and if you also watch on YouTube, subscribe, like, and leave a comment! Make sure to follow us on Twitter: @ISWISPodcastInstagram: @isaidwhatisaidpodYoutube: @isaidwhatisaidpod Hosted on Acast. See acast.com/privacy for more information.

AOT2 and Ugochi discuss NYSC, Nigerians and the Government, the young Nigerian girl who made history as the youngest Emmy Nominee from Nigeria, the heat in the country and other news that made the rounds this week.OUTLINE00:00 - Introduction47:30 - Catch up01:01:35 - X of the weekhttps://x.com/chude__/status/1900063592570900741?s=46&t=TONH6Zg-DUi2giubvg1cig01:17:15 - NYSC to be scrapped, yay or nay01:39:57 - Flop of the Week - Senator Ben Murray Bruce tells Nigerians to stop criticising the government https://www.instagram.com/p/DHUBDCFsp75/?igsh=MXFjcXN3cmhvMnRlZA==01:44:45 - Prop of the Week - Young Nigerian girl makes history as the youngest Emmy Nominee from Nigeria https://www.instagram.com/reel/DHWF_Q8C4gx/?igsh=MngydzE0ZDl3cWU=01:48:50 - Sign out--------------------------------------------234 Essential on Twitter and Instagram.Write us: fanmail@234essential.comDonate to 234 Essential: https://donate.stripe.com/bIYfZw6g14juf1m8wxNewsletter: https://234essential.com/

In this episode, Naija Nation revisits a candid Twitter Space conversation with NYSC members who bravely share their personal stories of inadequate support, financial strain, and day-to-day struggles under the current system. Tune in to hear these compelling firsthand accounts, the urgent need for governmental reforms, and the resilience of young Nigerians determined to forge a brighter future.

Omokri Reacts - Corper Crying Over Seemly Terrible Nig Economy Under Tinubuhttps://osazuwaakonedo.news/omokri-reacts-corper-crying-over-seemly-terrible-nig-economy-under-tinubu/17/03/2025/#Issues #NYSC #Omokri #Raye #Tinubu #Uguamaye ©March 17th, 2025 ®March 17, 2025 5:28 pm After the Nigeria-Biafra Civil war, the National Youth Service Corps, NYSC was established on May 22, 1973 to give the youths the opportunity to leave their parents and stay alone to contribute to the betterment of the West Africa country – Nigeria, interestingly, a few days ago, one of the serving Corpers, Ushie Rita Uguamaye went to the market in Lagos state to buy foodstuffs but she was shocked that the prices of foodstuffs in the month of March have again increased far more than they were previous months, apparently faced with the heat of passion, Uguamaye took to social media to call on the youths to unite and defend the country from total economy collapse, saying, it was her first time to leave her parents and start paying domestic bills alone, adding that, the money she spends on transport is more than the monthly salary NYSC is paying her, begging the youths to stage a 30 days non stop challenge protest to make the country President, Bola Ahmed Tinubu she described as a terrible person to be alive to his political and institutional responsibilities of making cost of living reasonably okay for people to afford, stressing that, some Nigerians are pretending to still be rich whereas the bad economy has pushed them into poverty, this, Reno Omokri, former presidential spokesperson who have been living abroad since 2014, reacted and said that, there is no country in the world where a paramilitary official like the Corper is permitted to criticize the government. #OsazuwaAkonedo

In Nigeria, a common narrative persists: those excelling in academics are destined for the lecture hall, not the boardroom. The "first-class mind" is often seen as ill-equipped for the cutthroat world of business. But is this perception accurate? Today, I want to challenge this stereotype, drawing inspiration from global figures like Mo Ibrahim and Jack Ma, and a remarkable Nigerian NYSC listener who's proving that academic prowess and entrepreneurial spirit can indeed coexist. Recently, I received a message from a listener currently serving in the National Youth Service Corps (NYSC). What struck me was her side hustle – a thriving business generating a consistent 100,000 naira in profit each month. Let's emphasize that: profit, not revenue. As I explained on the podcast, profit is what remains after all expenses are paid, a crucial distinction often overlooked. And for a first-time entrepreneur, especially one navigating the challenges of NYSC, 100,000 naira in monthly profit is a significant achievement. What made her story even more compelling? She graduated with a first-class degree. This sparked a deep dive into the perceived chasm between academia and entrepreneurship in Nigeria. Are these two worlds truly mutually exclusive? The answer, emphatically, is no. Look at Jack Ma, the visionary behind Alibaba. Before revolutionizing e-commerce, he was an English lecturer, proving that a passion for education doesn't preclude entrepreneurial brilliance. Then there's Mo Ibrahim, a Sudanese-British billionaire with a PhD in mobile communications, who founded Celtel, a telecommunications giant. While his name might not be as familiar to many Nigerians, his impact on the African telecom landscape is undeniable. These examples, alongside our NYSC listener's success, demonstrates that academic excellence cultivates transferable skills invaluable in the business world. Let's break it down: * Critical Thinking and Problem-Solving: The rigorous demands of academic pursuits hone the ability to analyze complex situations and develop effective solutions. This is the cornerstone of strategic decision-making in business. * Research and Analytical Skills: Whether dissecting academic papers or market trends, the ability to gather and interpret data is essential. * Communication Skills: Articulating ideas clearly and persuasively, a staple of academic life, is crucial for building relationships and closing deals. * Discipline and Perseverance: Earning a first-class degree requires immense dedication and resilience, qualities that are just as vital in navigating the challenges of entrepreneurship. * Adaptability and Learning: The academic environment fosters a growth mindset, encouraging continuous learning and adaptation, which are essential in today's dynamic business landscape. These skills translate directly into strategic thinking, efficient operations, and a competitive edge. However, academic achievement alone doesn't guarantee business success. As I emphasized on the podcast, entrepreneurs from academic backgrounds, especially those with first-class degrees, must prioritize networking and sales skills. These are the bridges that connect ideas to opportunities and turn potential into profit. So, if you're a first-class mind or someone with a strong academic background, don't let anyone tell you that business is beyond your reach. Embrace your skills, build your network, and watch your entrepreneurial dreams take flight.

The lads are back with another episode. Chidi has relocated so the boys have to go back to audio only. They talk about how Chidi has been finding it in his new situation and how Chukwudi has been finding his NYSC journey so far and much more.

I recently had the privilege of speaking with Cynthia (not her real name), a remarkable young woman who's currently navigating her mandatory National Youth Service Corps (NYSC) year in Lagos, Nigeria, while also building her own business. Her journey is a testament to the power of perseverance, adaptability, and the importance of finding relevant, local business advice. Cynthia, a recent law graduate, helps entrepreneurs register their business names and entities with the Corporate Affairs Commission (CAC) in Nigeria. Like many budding entrepreneurs, she initially relied on WhatsApp status updates to attract clients. While this approach can work for some businesses, particularly those dealing in commodities, professional services require a more personal touch. Cynthia quickly realized that building trust and credibility in her field demanded more direct engagement. She faced the common challenge of client stagnation. While she retained existing clients, new ones were scarce. This highlighted the crucial need for consistent lead generation and a robust marketing strategy. In any business, customer attrition is inevitable, and a healthy pipeline is essential for long-term sustainability. Cynthia's next step was to seek mentorship. However, she encountered a familiar obstacle: finding experienced professionals willing to share their knowledge. Many were either too busy, concerned about creating competition, or simply lacked the inclination to mentor. This led Cynthia to explore audio learning resources. While she found numerous podcasts on business development, they often reflected Western perspectives and focused on sectors like tech and startups, which didn't resonate with her Nigerian context. She needed advice tailored to the local market. That's when she discovered my podcast. One episode, in particular, resonated with her: the distinction between aggressive and assertive self-promotion. This insight empowered her to start talking about her business confidently, both in WhatsApp groups and during in-person interactions with her fellow NYSC members. The results were remarkable. From 50 conversations, she secured referrals that led to two paying clients. While this might seem modest, it represents a significant step forward and provides a baseline for future growth. It demonstrates the power of direct engagement and the importance of speaking authentically about your services. Cynthia's story underscores several key lessons: * Local Context Matters: Business advice must be relevant to the specific market and cultural environment. * Assertiveness Beats Aggression: Building trust and credibility requires a confident, yet respectful approach. * Direct Engagement is Essential: In professional services, personal interactions are crucial for building relationships and securing clients. * Consistency is Key: Building a sustainable business requires consistent lead generation and customer acquisition. Cynthia should be focusing on increasing her conversion rate and refining her targeting to maximize the impact of her conversations. She's also planning to gather customer reviews and testimonials to further strengthen her marketing efforts. Her journey from NYSC member to entrepreneur is an inspiring example of how determination, adaptability, and the right resources can lead to success. I'm proud that my podcast played a part in her story, and I look forward to seeing her business flourish. What are some of the challenges you've faced in building your business, and how have you overcome them? Share your experiences in the comments below.

This was an incredible honour.To have the legendary newscaster and TV host, Cyril Stober sit down to interview me for my celebration of 25 years in the media, and my 40th birthday. I have worked in the media since I was 15 - from my first job on the NTA - and in this conversation we go deep into a career across print, radio, online, film and television; working from the NTA to MBI to Channels TV, and from TEMPO Magazine to Thisday to NEXT. He grilled me o! - Why did I start so young - what was driving me? - How writing my first book at 13 kicked off my career? - Why did I leave my law degree to practice journalism?- Was I afraid being on TV as a presenter at 16 the first time? What was it like working with icons like Levi Ajuonuma, Funmi Iyanda, Comfort Okoronkwo, Agatha Amata and others? - When did I have time to do ‘young things'? - How did I meet my first girlfriend - on the job?- What led to a nervous breakdown in my 20s?- Why did I choose the lowest paying job out of 5 job offer after NYSC?- Why did I join NEXT newspaper's even when they were already owing 3 months salaries?- Why I am not fazed by being ‘rave of the moment' because of all the icons that I have seen go before me - What's my vision for my work and the next 25 years?From a starry/eyed young couch potato to the host of the most watched talk show on the continent, I stand on the shoulders of giants like Stober and other greats who have shone the path for me. This conversation truly helped me unravel a life of so many highs and so many dreams come true. ❤#ChudeIsCelebrating Exclusive Patron-only Content Hosted on Acast. See acast.com/privacy for more information.

After the release of the monster hit ‘Caro' with Wizkid, L.A.X (Damilola Afolabi) became a huge star. And he was only 18.He tells me the story of how he got that big break, how Wizkid changed his life… and why everything slowed down because his parents insisted he finish school and does his NYSC. Whatever that may have done to his momentum, he says he has no regrets. Returning to Nigeria, growing up with his grandmother taught him wisdom. We talk about: ● Why he left Wizkid, and why his leaving made Wizkid worried ● Why he continues to call Wizkid his Big Brother and why he thinks Wizkid has been on the attack in the past one year ● Why people think his energy and his career have slowed down, even though he is cleaning out concerts across Europe ● The heartbreaking story of how he found out his ex-girlfriend was cheating on him - and why he still begged her to stay ● How he paid her back for the cruelty he suffered - and what he learnt from that entire experience ● Why he sued the anonymous lady who accused him of sexual abuse and then recanted ● Why he takes life easy, no matter what other people are doing in the industry or on social media L.A.X. says he is a huge fan of the show and that's a big compliment, because he is without any doubt from one of the coolest guests I have ever interviewed on this show. Watch the full 1-hour episode now on withChude.com.And let me know what you think in the comments section below. ❤   Exclusive Patron-only Content Hosted on Acast. See acast.com/privacy for more information.

In this episode of the Mic On Podcast, Seun Okinbaloye speaks with Youth Development Minister Comrade Ayodele Olawande about youth empowerment, NYSC allowance implementation, and national unity. Olawande emphasizes leadership training, hard work, and ending fraudulent activities among youths, while assuring government commitment to youth-focused initiatives. Guest: Comrade Ayodele Olawande (Minister for Youth Development)

Send us a textJoin us for an inspiring conversation with Jimi Tewe, a leading figure in coaching and transformation, as he shares his incredible journey from Ibadan to influencing change across Africa. Discover how JT's passion for personal growth led him to author 11 transformative books, starting with his first during his NYSC in Abuja. Together, we explore the essence of leadership, especially within the challenging landscape of Nigeria, and why empathy is crucial for leaders striving to unlock the potential of their teams.Our discussion takes a deeper look into how the Nigerian diaspora can play a pivotal role in national transformation. JT sheds light on how collaboration and trust between homeland and abroad can harness diasporans' global experiences for Nigeria's advancement. Drawing insights from successful diasporas like the Indian and Chinese communities, we emphasize the importance of accountability and a robust framework for engagement to cultivate a prosperous future.Finally, we turn the spotlight on the power of individual actions, inspired by Michael Jackson's "Man in the Mirror." Reflecting on personal responsibility, we encourage listeners to recognize the ripple effect of their contributions toward collective change. By focusing on self-improvement and supporting each other, we can pave the way for generational success and long-term national development. Tune in to be part of this journey of transformation and hope.Support the showYou can support this show via the link below;https://www.buzzsprout.com/1718587/supporters/new

A cool Saturday night, Pink Gin, Lemonade and Tonic Water and my favorite girl! She gives an update on Lagos dating and Nysc camp while I add semi drunk comments. Nothing serious just two tipsy best friends and a mic…

NYSC Deployment: Tips for Business Growth and Personal Development

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Mr. X is torn between two women: the first, whom he met during NYSC in 2017, comes from a wealthy family, motivates him to achieve more, and has supported him financially and emotionally despite a tumultuous relationship. The second, whom he met over a year ago, is calm, homely, and accepting, coming from a similar background as his but not as ambitious or inspiring. He is considering proposing this December and is conflicted about choosing the ambitious and supportive first woman or the accepting and simpler second woman.

For the past fifty years, Nigeria's government has required young people to “serve” for a year under the National Youth Service Corp. This more resembles slavery than service.Original Article: The Nigerian People vs. NYSC Decree No. 24 of 1973: An Austro-libertarian Review

For the past fifty years, Nigeria's government has required young people to “serve” for a year under the National Youth Service Corp. This more resembles slavery than service. Narrated by Millian Quinteros.

Lock in with the gang for a hilarious and insightful episode of Submarine and a Roach as hosts Koj, Tmt, and their guest, Toniverse, dive into some wild life shit. With Mayowa jetting off to London, Toniverse steps in to keep the vibe alive. First up, they bask in the post-live show glow, relishing the success of their recent live event. The energy is infectious as they reminisce about the highlights and memorable moments from the show. The conversation takes an intriguing turn as they share their NYSC experiences, with Tmt and Toni regaling tales of love interests and camp escapades. It's a nostalgic trip down memory lane that's sure to have you laughing along. But that's not all—Koj delves into the world of stock trading, sharing his strategy for developing intellectual property to make it big in capitalism. The banter is as witty as it is insightful, offering a unique perspective on financial pursuits. Hold onto your seats as Tmt opens up about his "life of crime," sharing hilarious anecdotes that will leave you in stitches. The laughter continues as they discuss getting hit on in Lagos, Tmt's memorable Boiler Room stint, and the burning question—what was Burna Boy like in secondary school? With insights from Toni and Koj (and a nod to Mayowa's shared history), they paint a vivid picture of the African giant's teenage years. Don't miss this rollicking episode of Submarine and a Roach, filled with laughter, stories, and unexpected revelations. It's a podcast that's as entertaining as it is enlightening—tune in now! --- Send in a voice message: https://podcasters.spotify.com/pod/show/submarine-and-a-roach0/message

Kidnapping is endemic in nearly all parts of Nigeria, as shown by the recent high profile mass abduction and release of nearly 300 schoolchildren. And for young Nigerians who are taking part in the national youth service programme - NYSC - they are particularly vulnerable as they travel to their postings along the country's long rural roads. Service is mandatory if you want to use your degree - but are the risks just too great now? And what impact does it have on young people's futures?Produced and presented by Frey Lindsay(Image: National Youth Service Corps (NYSC) members in Ogun State, in 2019. Credit: Getty Images)

Kari Saitowitz is the current Chief Marketing & Creative Officer of the New York Sports Club (NYSC) and founder of Fhitting Room currently leading the NYSC in a brand comeback, bringing all NYSC brands together under one in both name and online/social introducing a new brand identity while also developing partnerships with brands and creating activations within the clubs that build upon the NYSC mission of changing lives through fitness.  Before embarking on her career in the fitness world, Kari was a key marketing executive at Pepsi focusing on building equity for powerhouse brands and launching new product innovations and campaigns. Kari took her love of planning unique consumer experiences and finding creative solutions to develop a new way for anyone to access the benefits of a personal training session in a motivational group setting.  This “Gym Idea” became the subject line of an email Kari sent to a close friend in 2012 and led to the opening of the first Fhitting Room location in a small studio on Manhattan's Upper East Side in March 2013. The lease for Fhitting Room's flagship Flatiron location was signed six months later, followed by the Upper West side flagship in 2017.  In October 2022, Kari decided to combine her love for fitness and building brand partnerships and was named Chief Marketing & Creative Officer for NYSC when the company acquired Fhitting Room in October 2022  implementing their standard of operating excellence, sense of community, and marketing/brand expertise to lead the return of the new New York Sports Club.  Kari positioned Fhitting Room for a transformational acquisition that delivers incredible growth for NYSC and Fhitting Room. Ten new Fhitting Room locations will open across NYSC flagship markets including New York, Washington D.C., and Philadelphia. She has an MBA from Harvard Business School, where she graduated with honors, and she graduated summa cum laude with a BS in Economics from the Wharton School of University of Pennsylvania. She lives in Manhattan with her husband and two sons. Connect with Kari & NYSC:  Follow Kari on Instagram  Kari Saitowitz LinkedIn NYSC: www.nysc.com | Instagram | LinkedIn Access Meghan Houle Method Career Community & Recruitment Resources: LinkedIn Meghan Houle Instagram Pivot with Purpose Instagram Book a Call With Meghan Subscribe to the Pivot with Purpose Blog Learn more about your ad choices. Visit podcastchoices.com/adchoices

Kari Saitowitz is the current Chief Marketing & Creative Officer of the New York Sports Club (NYSC) and founder of Fhitting Room currently leading the NYSC in a brand comeback, bringing all NYSC brands together under one in both name and online/social introducing a new brand identity while also developing partnerships with brands and creating activations within the clubs that build upon the NYSC mission of changing lives through fitness.  Before embarking on her career in the fitness world, Kari was a key marketing executive at Pepsi focusing on building equity for powerhouse brands and launching new product innovations and campaigns. Kari took her love of planning unique consumer experiences and finding creative solutions to develop a new way for anyone to access the benefits of a personal training session in a motivational group setting.  This “Gym Idea” became the subject line of an email Kari sent to a close friend in 2012 and led to the opening of the first Fhitting Room location in a small studio on Manhattan's Upper East Side in March 2013. The lease for Fhitting Room's flagship Flatiron location was signed six months later, followed by the Upper West side flagship in 2017.  In October 2022, Kari decided to combine her love for fitness and building brand partnerships and was named Chief Marketing & Creative Officer for NYSC when the company acquired Fhitting Room in October 2022  implementing their standard of operating excellence, sense of community, and marketing/brand expertise to lead the return of the new New York Sports Club.  Kari positioned Fhitting Room for a transformational acquisition that delivers incredible growth for NYSC and Fhitting Room. Ten new Fhitting Room locations will open across NYSC flagship markets including New York, Washington D.C., and Philadelphia. She has an MBA from Harvard Business School, where she graduated with honors, and she graduated summa cum laude with a BS in Economics from the Wharton School of University of Pennsylvania. She lives in Manhattan with her husband and two sons. Connect with Kari & NYSC:  Follow Kari on Instagram  Kari Saitowitz LinkedIn NYSC: www.nysc.com | Instagram | LinkedIn Access Meghan Houle Method Career Community & Recruitment Resources: LinkedIn Meghan Houle Instagram Pivot with Purpose Instagram Book a Call With Meghan Subscribe to the Pivot with Purpose Blog Learn more about your ad choices. Visit podcastchoices.com/adchoices

Kari Saitowitz is a baseball fanatic, the founder of Fhitting Room, and currently serves as the Chief Marketing and Creative Officer for the New York Sports Club. She graduated from the Wharton School with a strategic management and marketing focus and got her first job at American Express. From there, she leaned into her passion for marketing and decided to pursue her MBA. After graduating from Harvard Business School, Kari worked at Pepsi until she had her son. After his birth, she started meeting with a personal trainer who also happened to be in business school, and their conversations led her to become an “accidental entrepreneur” as she launched Fhitting Room in 2012. Business was booming until COVID changed everything. In 2022, NYSC acquired Fhitting Room and brought Kari on as their Chief Marketing and Creative Officer.In this episode, Alan and Kari discuss her path to creating Fhitting Room, how she ended up at NYSC, the complexity of their organizational overhaul and rebrand, and all the twists and turns that have happened along the way. NYSC is a long-standing brand, having recently celebrated its 50th anniversary. At the peak, there were over 200 clubs, but after closing many during the pandemic, there are now just under 50. Over the past few years, the NYSC has suffered from growing pains as it rebounded from the pandemic, shifted from a public to a private company, and brought in a new CEO. Now, in the rebuild phase, the focus is on repairing their damaged reputation and renewing trust.Kari is currently leading NYSC in a brand comeback by bringing all NYSC brands together under one roof in both name and operation. To execute the rebrand, Kari's main infrastructure goals have been consolidating the backend tech, implementing automation, and bolstering the NYSC brand. These efforts have unified their brand identity, increased efficiency and productivity, and improved the member experience. Now their biggest marketing objectives are increasing brand awareness, showing they are open and investing, growing membership, and deepening relationships to improve retention. They are also developing partnerships and creating activations with Garmin, Under Armor, and Hyperice to enhance the member experience, community unification, overall wellness, and build upon the NYSC mission of changing lives through fitness.In this episode, you'll learn:The founding of Fhitting Room and Kari's path to NYSCHow Kari and her team are repairing reputational damage after a huge transitionPractical aspects of a complete brand overhaulKey Highlights:[02:00] 7 MLB events in 7 days across 5 cities[04:35] From “accidental entrepreneur” to CMO[11:30] Pivoting the Fhitting Room through COVID[14:00] Where is NYSC today, and how does Fhitting Room fit in?[16:30] Rebuilding the value proposition[18:55] Consolidating complexity[25:40] Meeting people where they are[28:45] Garmin, Under Armor, and Hyperice, oh my![31:15] Celebrating 50 years of NYSC[33:35] Learning to believe in herself and her abilities[36:55] Enjoy the journey and take more risks.[38:55] The AI portion of the show[39:40] The power of individual creators and influencers[42:00] The complexity and fragmentation of media Looking for more?Visit our website for the full show notes, links to resources mentioned in this episode, and ways to connect with the guest! Become a member today and listen ad-free, visit https://plus.acast.com/s/marketingtoday. Hosted on Acast. See acast.com/privacy for more information.

Unlock the secrets to success in Access Bank's Pitchdeck Millionaire Contest at NYSC! Join us as we discuss winning strategies, from crafting a standout pitch deck to clinching the coveted prize with the latest winner. Whether you're an aspiring entrepreneur or curious about pitch success, this video is your backstage pass to victory. Subscribe now for exclusive insights! #AccessBankMillionaire #NYSCContest #PitchSuccess

From waking up full of Love and going to bed in Hot tears to becoming Nigeria's second line of defence during NYSC, we are joined by Maruche, our resident Gen Z president and Latest member of the Jakpa Community for this week's episode.We also discuss the recent updates on the Diddy situation, Becoming someones beneficiary after 30 days of Marriage, Pretty Previlege, Kerry Washignton's new scandal and We get an insight on what its like living in Canada for the first few months from our latest Jakpee !!!!Feel free to comment directly on spotify or Send us a message, DM or email to our Fam Mail account - thetalkativex@gmail.com or use this link HERE!!(7:16) - NYSC "2nd Line of Defence"(09:20) - I woke up in Love(28:14) - P Diddy, Our future and More(57:35) - No new Partners(1:11:49) - Make me a Beneficiary Now!(1:22:20) - Kerry Washington / Olivia Pope(1:39:17) - Pretty Privilege or Pretty Woman??(1:47:50) - 5 months in Canada(1:57:00) - School starts on the 2nd week not the 1st

In this episode of Third Culture Africans, Zeze engages in a conversation with Adora Nwodo, a dynamic woman in the tech world. Her career seamlessly blends the corporate nine-to-five routine with entrepreneurial pursuits, driven by her passion for engineering, STEM, and the captivating world of software development. This episode kicks off by diving into the essential realms of STEM and AI. Unfamiliar with STEM? It stands for Science, Technology, Engineering, and Math—encompassing diverse fields like mathematics, physics, aerospace engineering, and medicine. Now, let's delve into Artificial Intelligence (AI) and its impact on STEM careers. AI, a pivotal part of technology, relies on and empowers STEM professionals. These careers extend beyond AI development, involving customising and utilising AI in various domains like health tech, autonomous vehicles, and aerospace engineering. While STEM skills are highly valued, AI's rise sparks both job redundancy concerns and new opportunities—a conversation you can't miss! Zeze and Adora explore Adora's journey into tech, strategies for breaking barriers for women in tech and how to connect individuals with opportunities while providing technical guidance. They also discuss exciting trends in the African tech industry.  Nwodo's tech passion ignited in Nigeria at the age of six, guided by her older brothers. She embarked on a lifelong love affair with technology, eventually earning a First-Class Honors degree in computer science from the University of Lagos (UNILAG). Marked by her determination to forge her path and exceed her family's expectations, Adora began a career in the tech industry. During her university years, she took on a role as a software intern at an advertising company, a position she continued even after completing her NYSC service. This phase played a pivotal role in her journey, exposing her to diversity, broadening her perspective, and requiring her to balance multiple responsibilities, including being a working student, managing her shoe brand, and actively participating in tech communities. In her current role, Adora plays a pivotal role in NexaScale, a community group dedicated to facilitating valuable work experience for individuals through a range of projects and programs. When it comes to empowering women in tech, support systems are crucial. It is a cause close to her heart, clearly demonstrated by her active participation in NexaScale for women. Here, she conducts sessions on financial literacy and personal branding, with the aim of uplifting and educating aspiring female tech professionals. Regarding the future of the tech industry in Africa, Adora highlights the immense potential of young Africans, particularly millennials and Gen Z, who are making significant contributions to the global tech landscape. Africa is emerging as an attractive market, with its young creators and engineers gaining recognition worldwide. The creator economy is thriving in Africa, with young content creators dominating platforms like YouTube and TikTok. Additionally, Africa's growing remote workforce is playing a pivotal role in the industry's development. Tune in, this is a MUST-listen! For all those interested in tech careers, especially young Africans aspiring to make their mark in the industry, this is a MUST-listen! You will learn about the thrilling synergy of STEM, AI, and African tech and gain valuable insights into shaping your own tech journey. About Adora Nwodo: Adora Nwodo is a multi-award-winning Software Engineer who currently works at Microsoft building Mixed Reality on the Cloud.  She is also the Vice President of the Nigerian chapter for VRAR Association, a Digital Creator, Founder of NexaScale, has courses online that teaches people about Infrastructure automation, author of a popular book "Cloud Engineering for Beginners" and multiple articles on Software Engineering, Productivity & Career Growth on her blog “AdoraHack” and student of LEAD in the Stanford University Graduate School of Business. Adora spends a lot of her time on Twitter and LinkedIn sharing about her experience as a woman in tech. She is extremely passionate about the developer community and is trying to drive inclusion for women in technology. She co-organizes community events for unStack Africa, contributes to Open Source, and speaks at technology conferences worldwide. Topics:

AOT2 and Ugochi discuss the Big Brother All-Stars show, their University and NYSC experiences, the Super Falcons, NLC going on strike and other stuff making the roundsListen up!OUTLINE00:00 - Introduction14:00 - Fan mail 120:28 - Response to the fan mail24:50 - Catch up54:30 - Tweet of the week01:14:26 - NLC to go on strike01:16:40 - BB Naija Update01:41:32 - Flop of the week01:44:33 - Prop of the week01:46:38 - Sign out For more information on all episode releases and additional information about the hosts, follow 234 Essential on Twitter and Instagram. You can also mail fanmail@234essential.com to let Ugochi and Ayo know your burning thoughts and questions.Support 234 Essential here: https://paystack.com/pay/234eSignup for our newsletter here to get the pod directly to you https://234essential.com/

Hey guys!I'm back one more time before July wraps-up, and this time I'm back with a guest! Yay!So I caught up with an old friend over brunch up about two weeks ago and decided that we needed to continue the conversation over a podcast episode. We had so much fun recounting how we met (during NYSC) and sharing how we've been full-blown thrust into Adulthood since then!This guest is none other than Ibukun Joyce Aiyemo - Former Marketing Lead at Burger King, Nigeria & current MBA student at the Darden School of Business, University of Virginia. She is also popularly dubbed as The Ibk Global on Instagram. She reminisces on building a successful marketing career with juggernauts like Domino's Pizza, Cold Stone Creamery, Pinkberry and Burger King back in Lagos, Nigeria. Also, her decision to uproot her life and chase an MBA dream in the United States, and how she navigates her way through the challenges of business school. From tough academic requirements to adapting to a foreign culture, then financial planning for an MBA, the harsh realities of job interviews, and the importance of creating relationships that matter. We hope you enjoy listening as much as we enjoyed recording!With love from Lagos, New York City & Toronto,Tolu & Ibk P.S: I mighty forgot to introduce myself to our new listeners at the beginning of the episode. Frankly speaking, I'm the coolest person you'd ever meet and you can watch me prove that right (or wrong, haha) here. I hope you come back for another episode too. Enjoy! :) Support the showThere's always more to the story :) Follow on Instagram @thenonimmigrantstudent so you don't miss any deets!

Today, I'm joined by Kari Saitowitz, chief marketing & creative officer of New York Sports Club and founder of Fhitting Room. After founding and operating NYC-based boutique HIIT and functional fitness studio Fhitting Room, Kari joined New York Sports Club upon its acquisition of her brand in late 2022. Now, she's merging Fhitting Room's programming while working to redefine the health club experience. In this episode, we discuss the evolution of boutique fitness, Kari explains the club-in-club concept that led to Fhitting Room's acquisition, and we talk about how demand for strength training and functional workouts is reshaping gyms. In this episode, you'll learn: • About Kari's 10-year journey at the helm of Fhitting Room • How boutique fitness has evolved over the past decade • How health clubs and boutique studios can work together Subscribe to the podcast → insider.fitt.co/podcast Subscribe to our newsletter → insider.fitt.co/subscribe Follow us on LinkedIn → linkedin.com/company/fittinsider/ - The Fitt Insider podcast is brought to you by Jack Taylor, our exclusive PR partner. More than just PR, they're creative storytellers and brand builders who actually understand the health and wellness industry. Learn more and get in touch at JackTaylorPR.com/Fitt Chapters: (00:00) Introduction (01:29) Kari's Background (02:41) Observing consumer behavior (03:16) Fhitting Room's origin story (08:39) Growth strategy (15:02) Fhitting Room's @ strategy (17:44) Creating a financially sustainable business  (23:37) Journey to getting acquired by New York Sports Club (33:34) Reasons for the acquisition (35:29) What to expect post-acquisition and Kari's new role (41:48) NYSC's main objectives (42:51) Conclusion

NYSC clocks 50!What was your NYSC experience like?In this episode of our Daily Trust podcast, we speak with senior citizens, who shared life lessons NYSC taught them.

Tune in as Pastor Kenneth takes time out to answer our most pressing questions as it regards our Christian faith! Here are the questions that were asked in this episode: 1. Talking about sexual goals, you mentioned reading spiritual books in "What habits do I need to start?". Could you recommend some spiritual books, sir? 2. Should someone struggling with sexual sins be an accountability partner to someone else going through the same? 3. Does God kill? 4. Is it still sexual harassment/molestation if you enjoyed it even though it wasn't consented? 5. Help! How to stop dwelling on sexual thoughts. It's like a movie, how do I press stop? 6. Why didn't God allow Adam to eat from the Tree of Life after eating from the Tree of Knowledge of Good and Evil? Genesis 3:22 7. How can I get someone to stop beating their kids, the person overdoes it. 8. What percentage of your income should be your savings? And should savings be for something or it can just be savings? What classifies as a rainy day? 9. I haven't really thought of getting married at a young age but due to my work environment, it's beginning to get to me and I haven't seen the bone of my bone. 10. One of the reasons I haven't Japa'ed is that I'm helping my parents with their business but I feel undervalued and unaccomplished. What can I do? 11. How do we navigate male and female friendships? Practical boundaries. 12. Lately I've been getting pressure to learn a skill. What if I don't want to learn anything rn. Is that bad? Apparently, I should have a skill at the end of NYSC. 13. Christians shouldn't put up Ramadan posters, right? How can I explain this to people that don't think it's a big deal? 14. Is there good in everyone? And is there a difference between 'good' and 'right'? --- Send in a voice message: https://podcasters.spotify.com/pod/show/vivify365/message

Junto con nuestros invitados especiales, Steven y Lluvia, hablamos de cómo fue el proceso de escribir NYSC, desmenuzando la letra y la profundidad qué hay en ella esperando que pueda inspirar a mas personas a vivir la vida más plena qué hay: la vida de Cristo en nosotros.

This week it's the turn of a long time friend of the label, a DJ producer who has a release out with us right now on our current Showcase compilation and someone who has been behind some of the best parties in Miami over the last two decades, we are talking about the Floridian OG himself, please give it up for... Jonathan Cowan, exclusively in the mix for the Selador Sessions. 1) Datar - B (Tarrentella & Redanka's NYSC mix) 2) Shiguru Tanubu - Adrian (Jerome Sydenham remix) 3) David Mayer - Harun (ONNO on acid mix) 4) Terry Poison - Fix me (Diskjokke remix) 5) Attic feat Julie Thompson - Last goodbye (Lexicon Avenue instrumental mix) 6) Britney Spears - Breathe on me (James Holden vocal remix) 7) Jonathan Cowan - Unnamed 8) Jonathan Cowan - Swaddles 9) Jonathan Cowan - Alden's Groove 10) Brother Brown - Under the water (Deep Dish remix) This podcast is hosted by Syndicast.

Tthis week it's the turn of a long time friend of the label, a DJ producer who has a release out with us right now on our current Showcase compilation and someone who has been behind some of the best parties in Miami over the last two decades, we are talking about the Floridian OG himself, please give it up for... Jonathan Cowan, exclusively in the mix for the Selador Sessions. 1) Datar - B (Tarrentella & Redanka's NYSC mix) 2) Shiguru Tanubu - Adrian (Jerome Sydenham remix) 3) David Mayer - Harun (ONNO on acid mix) 4) Terry Poison - Fix me (Diskjokke remix) 5) Attic feat Julie Thompson - Last goodbye (Lexicon Avenue instrumental mix) 6) Britney Spears - Breathe on me (James Holden vocal remix) 7) Jonathan Cowan - Unnamed 8) Jonathan Cowan - Swaddles 9) Jonathan Cowan - Alden's Groove 10) Brother Brown - Under the water (Deep Dish remix) This show is syndicated & distributed exclusively by Syndicast. If you are a radio station interested in airing the show or would like to distribute your podcast / radio show please register here: https://syndicast.co.uk/distribution/registration

Hey beautiful people! In this episode Fikemi shares an introduction to her NYSC experience. Enjoy! --- Send in a voice message: https://anchor.fm/thefikemiaderojupod/message

Aaron Chapman is a veteran in the finance industry with 25 years of experience helping clients better understand, source, and finance cash-flow positive investment properties. He advises over 100 clients a month in the acquisition and financing of their investment properties and primary residences. Aaron is ranked in the top 1% of mortgage loan processors in the country, in an industry of over 300,000 licensed loan originators, closing in excess of 100 transactions per month. In today's episode Aaron gives us his take on the current interest rate and inflationary environment, where he sees things going, and his thoughts on what investors should be doing in a time like this. Episode link: https://www.aaronbchapman.com/ https://apps.apple.com/uy/app/qjo-investment-tool/id1533823468 --- Transcript Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor Podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals.   Michael: What's going on everyone? Welcome to another episode of the remote real estate investor. I'm Michael Albaum and today I'm joined by Aaron Chapman, who's a lender, investor, bearded man and entrepreneur as well as an author and he's going to be talking to us about inflation and using long term debt as your battle ax against it. So let's get into it.   Aaron Chapman, what's going on, man? Thanks for taking the time to come hang out with me. I appreciate it.   Aaron: What's happening brother thanks for the invite. I think I kind of pushed my way in a little bit but I just   Michael: Invite, forced invite.   Aaron: Let's put that way.   Michael: Ya, no happy to happy to and it's been a minute since since we saw each other over think Realty in Tampa. How you bee?   Aaron: Been very good man. Think Realty in Tampa seems like so long ago, because I've been to Tampa two times since then. Miami a couple of times. Literally, I don't get to see very much of anything. But seats 3d of American Airlines is what it seems like.   Michael: And that's pretty close up to the front of that first class?   Aaron: It's always first it's what I've discovered in my career, it used to be you know, you got to you got to hang on to your capital is really kind of dumb to spend money unnecessarily. But then I got to thinking. So like I said first a few times, and I sat next to some amazing people. So it's not about the seat. It's about the person next to you. And more often than not, it's often enough, let's put that I sat next to some people, just some amazing conversations that end up doing business with some people when they didn't want to talk to me. And then it wasn't long, they were talking to me. And then they're giving me pointers, one guy who was like one of the executives over at the Business Journal. And I was finally DC next year, he's telling me all the cool places to go in DC. And now I've seen him pop up online. And I'll check in with him to see what's going on just a really cool guy that I recognized him by couldn't place who he was, until I got in talking. And then I found figured out who he was. So it's just, that's the kind of person that I ended up sitting with. And it's more the conversation than anything.   Michael: What a different way of thinking about things like so many people see the price of the ticket. They're like, Oh, I don't want to pay that or like the experience. But you're you're approaching with a whole different lens. I love it, man.   Aaron: Well, it's kind of how I approach going out for an expensive dinner paying a big tip, things like that. It's like, we know what's happening with the dollar right? It's not doing a whole lot sitting in our bank account. And believe me, I agree with holding on to cash, I believe I agree with investing wisely. But I also agree with taking that capital and putting it someplace where you're building relationships and building up somebody else. And so there's times when somebody does a great job, man throwing $100 tip on a on $100 Dinner is not an uncommon thing in my world. And that's not me beating my chest. It's that person earned it and what's that 100 bucks going to do in my world? My wife will ---- it away on somebody Amazon, right? So it's really not going to, it's not going to enhance our lives that much. But you'd be amazed at what it does to that person. And you walk back in there to that place you think that person forgot you? Well, they definitely don't forget me with the braids.   Michael: I was gonna say yeah, with a look like that. Yeah,   Aaron: Yeah, that's remembered. But then they remember that. And then it's there's this, I talked about the economy of gratitude a lot, and that autonomy kicks in. And they will do more and go above and beyond. Of course, now you're kind of stuck to $100   Michael: That's the minimum, yeah, the bar has been set.   Aaron: So you got to be careful of how often you do go back or when you go back, you'd be amazed at the interaction you have with this person. It's a life changing experience. Because our like our lives are changed by the people that we interact with. And not necessarily what what we what we grow in it or what we amass in it is the relationships that we have.   Michael: I love it. I love it. Let's give people the quick and dirty of who you are and where you come from and what is it you're doing in real estate and then we'll jump into kind of the meat what I wanted to cover today.   Aaron: Very cool. So the quick and dirty is not so quick and but it's kind of dirty. So the interesting thing I was sitting in an event happen to be in Tampa, we were just talking about Tampa. This was years ago and one of the main speakers there talked about the lending industry that being a loan officer and he said the reason people become a loan officers because they can't get a job doing anything else. And it rang really, really true to me because that was my story. You go back to you know, I grew up on a cattle ranch in high school and from there to work in the oil fields in Wyoming drove truck ran heavy equipment, found myself in the mines in northern New Mexico in the late 90s. And they started to shut down the project and so I got laid off and I thought no big deal. I'll find a job easy and I had a wife and kid back in Arizona and I was up in northern New Mexico I go back and forth, went back and I couldn't find a job for nothing. I tried like crazy everything I applied for I got this this statement of being overqualified. I kept getting turned down.   And things were getting dire at that point, I needed to make something happen. And as I left to go apply for a $10 an hour truck driving job to me, it was like the worst thing I could possibly do, but it was gonna put, bring money so I can at least feed my family. My wife as I left gave me a coupon for free diapers. So I drove over to this place, I applied the general manager turned me down again said I was overqualified. So I'm 23 years old, I feel broken, and walking down to my truck up coming from the type one of those job site type trailers go down the stairs. Get on my truck, said a quick prayer. I was really just I was trying to hold back the tears started up my truck and I started pointing myself to this grocery store. Well, as I'm headed to the grocery store, my gas light comes on in my truck. I had never ran that thing long enough to find out how long ago on a gas light. So I quickly found a store that had a groat a gas station on the corner. I pulled up that pump, got my debit card out, I said a quick prayer, prayer, I swiped it and I got declined.   So I rifle through my truck looking for a lost dollar, found a few coins, I closed it lock the door, I started walking that grocery store pocket parking lot. And as I'm looking around, you know, I would find something on the ground look, make sure nobody's looking, reach out quickly pick it up, put in my pocket. This went on for what seemed like a couple hours. And then I got enough change that I thought would give me a couple gallons of gas. Luckily, it was 97 were Yeah, 1997 I think gallon, a gallon, a gallon gas, like 89 cents. So I went and exchanged my change, which was a couple hours of my life for two gallons of gas, went into the grocery store with my coupon, found those diapers hurried up and went to the checkout counter. I don't know if you've ever been this position, but nothing feels worse to, in my opinion, to have one item and your coupon for that one item. Right. And now it was just another just another crappy feeling to the day. So I got my stuff put in the bag, and I'm screaming either as fast as I can. And somebody recognized me.   He called me over and I didn't want to talk to anybody. But he asked me how things were. And I told him what I just told you. He goes, Let's go to dinner. I'm like, Dude, I can't afford dinner. And I hated saying that. He was no, no, no, I got a gift certificate to Red Lobster. I'll take you your wife out. So we went to Red Lobster a couple of nights later. And that's where he told me about the mortgage industry. He explained to me what happened in it? And I'm like, Dude, how can I do this? I know nothing about that. I think there's numbers involved, and I cheated my butt off to get that C in high school. If it wasn't for the fact that could pick a lock, I would not have graduated.   So I went in, I cut a foot off of my hair, I shaved. My mom bought me some business likes clothes, and I wouldn't do an interview. And they started me as a telemarketer in 1997. So that's how I got going. So going from a telemarketer to working actually some of my own leads to building this up and going through the crash and all kinds of stuff. And there's a bunch of stories in there. To now, you know, I was just called by an outfit by modex. And they recognize me I think is the number six guy in the United States. For transactions closed. I was number one guy in Arizona, I didn't even realize that I didn't really pay attention to the statistics, there's 1.6 million people in United States that do what I do. And from what I can tell, I'm ranked number six for how many deals I closed last year. So it's kind of an interesting dynamic to consider that swing.   Michael: Yeah, I'll say, Well, you know, congratulations on how you've come clearly a long way. That's really exciting.   Aaron: Well, thank you. And there is campfire story after a campfire story of of the different things we'll probably talk about this in the series of stuff we talking about the beatings that a person takes to become successful. And you don't what's really interesting is people say, How do you get there? How do you how do you achieve success? Mike, I'll let you know when I do. Because you just don't feel like it all the time. It's a consistent grind. You're always trying to be ahead of the head of everybody else. And once you achieve something, it's way harder to keep it.   Michael: Yeah, I think people think it's like this just flat curve, you know, flat line once you've achieved something, but really, it's very sinusoidal. It's up and down and valleys and troughs. And you're like, man, some days suck. And some days are great, but the like, I think it's about the end destination right? Where you're trying to get to   Aaron: 100%. So I look at it like Everest, right? You get up there. And I don't know, if you've ever really paid attention. Maybe you've climbed the same for all I know, but how long a person sits on top of Everest, it's a matter of minutes, and they're getting back down because that sucker will kill you. You know, and so it's it's just like any other achievement, we get the second you sit back and you relax and put your feet up. It's gonna kill you. You need to keep moving, you got to get down, you got to get to the next Everest. And it can be debilitating to think that we're constantly hunting the next goal. The next goal, the next goal, instead of just finding the happiness, you know, and you our viewers know who Larry Yatch is he says, you know, success is a optimized daily experience consistently achievable, right, something to that effect there are and so and it's sustainable over time. Yeah. I gotta find that optimized daily experience. Here's what I got to do. I don't think I've achieved finding that yet.   Michael: I'm right there with you, man. We're in the hunt together.   Aaron: Yes. And we'll keep hunting and maybe we'll keep communicating about one of these days. You're like, Dude, I found it.   Michael: Yes. let me show you. So, let's shift gears here a little bit and talk about a topic that I think is on everyone's mind. And that's inflation. And you're working in the mortgage industry for a long time, you've seen a lot of ups and downs, sideways lifts, REITs give us a little bit of insight into why is inflation being talked about so much? And what do we as investors need to be cognizant of, and either using it or being abused by it.   Aaron: So inflation is definitely an interesting animal. And it's talked about a lot, everybody is talking about this constantly. And what I point a lot of people to just even understand inflation is go to a place called Shadowstats.com. When you go to shadow stats, you're gonna go to, and I always encourage everybody to get log into it get to pay for the 100 bucks for the year, whatever, you're gonna go over to alternate data, you're gonna scroll down to inflation, you're going to find this chart, and what this chart has, it's going to be going to show you from 19, from the early 1980s, up until now, and it's going to have two different lines, a blue line and a red line. And they're going to be, they're going to be diverging at some point, they're gonna stay together at one point, they're gonna go down to when they show inflation started work its way down, and then they start to kind of break apart. And what you're watching there is the federal funds rate itself, or not the federal funds rate, but the CPI that the Fed tends to track, and it's what they have changed the index to contain. Right?   So you're familiar with the Dow and the NYSC. And the and the NASDAQ, right? s&p, right, the s&p, none of them have the exact same value Correct. They're all different because they have things in them. Well, if you didn't get into, if you look at the the CPI, the Consumer Price Index, they will stack certain things in there that they can manipulate with monetary policy. And that's what they'll go off of. And you can see in this chart, that it's going to show that that that red line is skipping across the bottom right around their 2% Mark quite a bit, and then it spikes up to about eight and a half 9%, which is where we've been at recently. But if you look at the real rate of inflation, which is the shadow statline, it's going to be pushing up closer to 17. Why is that?   Well, because back in the 80s, they took everything into account, what is the person really literally spending money on to on their day to day life, and they're going to track it so they can see how much their life is changing year over year as far as their expenses. But then they wait a minute, it's getting out of hand, because what we do to pass the law for will increase their their benefits or their social security and the retirement benefits to the rate of inflation. Well, we need to keep this to 2%. Right. So we don't want to raise that really, really quick. That's where you start seeing this particular manipulation? Well, if we're looking at 17%, people should really, really, really be concerned about what's happening with their dollar, because what's the dollar value doing with inflation?   Michael: Decreasing.   Aaron: Decreasing, right? It doesn't spend as far. So what I like to do is talk about this in the sense that it's always been that way. And when we're talking about real estate investing, you know, the, in my opinion, where a person does best when it comes to real estate investing is leveraging the property, you know, the way to leverage the properties, get some sort of financing instrument on it, if you're gonna get financing on it, you want to get it for as long as you possibly can. Because at that point, the longer you take a pay, the less you actually pay, because the dollar you're paying it with is worth less and less and less every year.   So I know in today's higher rate environment, we're talking about inflation is pushing interest rates up. And if you look back at the history of inflation, last time, we saw inflation of this, this magnitude, you'll see in some charts that will show the history of inflation, and how it's somewhere right around 20%. But then you can see the history of the interest rates and the interest rates were closer to the same 17-18% for a 30 year fixed. Well, if we're where we are, as far as inflation is concerned, actually inflation was right around this 13 to 15%, where we are today. And then we're talking to interest rates at 19%. Well, the federal funds rate achieved over 20% at that timeframe. We're not there right now. So explain to people is the gap that we have there as a gift.   Right now we're seeing somewhere in the sevens for 30 year fixed interest rates. And that's, you know, we're talking about this in October, the 2022. Do I expect it to get higher that I really do because of all the uncertainty within the market. But if you've locked it in and that interest rate for 30 years, and inflation stays consistently higher than that, you're never even going to pay back what you borrowed. In fact, I have an app to prove that, you know, people want to go to just go to my website, shoot me a message, I'll get you the app. And you can download this thing on your phone. And you can calculate your amortization table and then see what inflation did and how you paid less than what you borrowed over a 30 year window even though you're paying higher interest in what you hoped.   Michael: We have to come back to that point because that's so counterintuitive and the exact opposite of what everyone tells you. When you look at the sum total you paid over a mortgage. But before we get there, I want to ask is it appropriate to look purely at The rate of inflation against interest rates? Or do we also have to take into account just the pure purchase price that we're seeing today? Or is it become irrelevant?   Aaron: I think they're all a factor. Because sometimes when you're let's look back at interest rates go backwards a year, right? Interest rates were in the threes and fours were people buying investment properties. Unbelievable, we'd never actually seen that, and never thought that I would ever see that. But what's happened to the prices of houses, what what you're doing is you're opening up where they were, they say the affordability index had a right how that worked in and more people could afford houses. Well, the more people that could afford houses, the more people bidding on those houses, right, the more of those houses got bid up beyond their real value, price does not equal value in an environment like that people are just willing to pay an enormous amount of money.   Well, because of that, all that affordability, it was so so called built into it because of lower interest rate was getting eroded by the fact that pushing the price so high. So now we're at this really interesting point where the prices are still fairly high compared to, to the, I'd say the real value of real estate because of what people are willing to pay. But our interest rates have increased to not quite to the highest it could and it's really not as high as the national as the average has been since 1971. But it's going to slow that down, I think an equilibrium equilibrium is going to kick in here at some point. And you might see those prices start to decrease a bit. And then of course, it's going to make a little bit more sense. So there's going to be people sitting on the side and waiting and watching. But then again, are they going to increase or decrease that much this begs the other question, were five point I think 5.2 million units short to fulfill the needs of that for housing United States. And then you're we're already short on that. We don't have as many building permits happening. We don't have the supply chain we used to, and now we have how many houses just got wiped out in Florida, you start compounding all this out, man. I'm telling people if you're in a contract, you probably want to stay in that thing. Because if you're backing out of a contract, because you don't like the price, you don't like the rates. Expect, just imagine what you're gonna like and a year from now, I don't think it's gonna get prettier.   Michael: Yeah. Yeah, that's really interesting perspective. Let's come back to what you said before about, when you look at the total amount you've paid. Over time, it actually ends up being less than the original amount you borrowed because of inflation. Walk us through that again,   Aaron: Gladly. And you're probably have to say that a lot to our conversation. Let's go back. You start with a topic. And now I go 100 different ways, because my mind is one, obviously, beautiful mind. There's a dude in here.. just just see it. So you've got. So when you think about our inflation, right, now, let's just take the BS metric that the feds throwing out there eight point, I think we're at 8.63%, if I remember correctly, right. So 8.3%, that means the dollar is losing 8.3% of its value every year. So if you take 8.3%, I'm gonna get my calculator out here on my phone. And we're going to divide that by 12. That means we're losing .691 percent of the value every single month. Is that not alarming .619% of the value every single month. So that's pretty well. So what I have here, and I'm just going to launch my launch my my app here, and anybody can get it is to QJO investment tool, you can go right to the app store and get the QJO investment tool. They may bleep me out here, guys, but it stands for the quit ------- off investment tool, because I think that's all a person does when they're so worried about interest rates.    So if we're doing say, a 20%, down on a $200,000 property, and you're putting, let's say it's a seven half percent interest rate, you're gonna have a payment of a principal and interest of $1,118.74. Not real bad, right? But now you're gonna pay over that period of time on that interest, you're gonna pay $402,747.56, right? 402K. You got a $200,000 house, you put 20% down, that's $160,000 loan. Right? And then you're going to pay $400,000 In principal and interest people like there's no way in hell, I'm going to do that. But when you recalculate, every time you make a payment, that payment is worth what did we say? Point six 9%? Less? So I'll write $6.90 per dollar. Last, is that right? Or is that? No, that's not quite right. It's eight, it'd be eight cents per dollar per year. So it's point 06 cents per mile. Right? Right. But when you per dollar when you recalculate that every time for 360 months, the actual inflation adjusted payment over 360 months is $152,466. That's less than what you borrowed and that's based on 8% inflation, just 8%   Because you think about that the dollar you're borrowing is seven and a half percent. You're paying a Back at an 8% decline, right now it's bigger than it's 8.3 8.4%. In fact, if you want to look at shadow stats, if you look all the way back, when you look how they track it, it's been over 8% since 2012. So in reality, you're never paying back what you borrowed because you're paying less them what they're getting in the form of interest. You're paying, you're literally getting paid to hold their money. And what's really, really cool about this is where it gets awesome. Because of inflation, we get to raise rents, how much are rents going up year over year right now in the United States?   Michael: Like seven to 10%.   Aaron: Last time I saw it was 12. Right? When you average it all out? Dang. Yeah. To a fact,   Michael: I haven't looked for a while. Clearly,   Aaron: Property manager in Kansas City. I had him check it out. They ran their books, they figured they said there was like 14.2, we looked at the last year, Mike, wow, this is crazy. I'm looking at what my kids are paying right there. They're in these apartments, and they're bumping up two to $300 every year. To me, it's kind of immoral. Now I get there's costs go up, taxes go up, upkeep goes up, because you got you got supply chain issues, right? You've got workers, the man ain't fixing anything over there really fast. So it's not like I think that they're, they're hurting themselves. From what I'm hearing, right? They're staying in my house now. And again, because of the darn AC has out for a couple of days.   Those kinds of things. So when you think about that, what's going on in that type of environment, they're raising it like that? Well, let's see what I always tell people, we get to raise rents, even at just 5%. That's every time you raise rents, that's a compound on the previous year's rent, and then you compound it again and compounded again. So as you're compounding the increase in your income, you're compounding the decrease in what the lender makes, because they don't get to raise the payment because of inflation.   So eventually, it may suck for the first 2-3-4 years because of your start rate. And because of all that, and you know, people always like to use cash on cash return is their metric. I think it's a BS metric. Guys, that's not that's not ratio, focus. There's other places to focus, we'll talk about it. But when you start adding that up, and really, really working out the math on it over time, you start killing it at about years 5-6-7 And just compounds huge. Those who don't want to be able to hang for the first three to four years of the ones going to be off on the sidelines. And they're the ones going to say that real estate's not the place to be because of interest rates will they're the they're the the people in the crowd. They're the ones that are the spectators, that people on the field, know where it's supposed to be at and they understand it. And those are the ones going to take opportunity.   Michael: Love it. Aaron, let me ask you this, the Fed has tried to maintain inflation at around two to 3% annually. Right now we're up in that eight plus range. And so we did the math behind if inflation stays there for the duration of the 30 years that you're holding that loan. But if they get things under control, and it drops back down at 3%. I mean, did all of that benefit just get eroded?   Aaron: Well, we also have to look at what they're dropping by 3% They're dropping their index by 3%. And that's dropping the real rate of inflation by India by 3%. So I don't see that as being eroded because you look back at you know, go back to shadow stats, start looking at what they were they calculate real rate of inflation. We've been over 8% Since what since 2012. You have a consistent increase in inflation, it's going consistently up cost of living has not gotten cheaper. Now, I don't know when you were born, but in 19 in the 1980s I could jump on my, it was the late 80s I could jump on my skateboard my mom gave me $1 Literally $1 Bill, I could go down to the corner store, get a gallon of milk, buy some candy for me and bring change to her. how possible is that right now?   Michael: Um no, can't even buy the candy for the dollar right now? No, I just bought a KitKat for a buck. 75 Check it out. That's ridiculous. Dude, it's this dark chocolate and mint. KitKat I'm like such a sucker for dark chocolate. It was amazing. But yeah, Buck 75.   Aaron: Well, it's probably probably an extra 10 cents for the blend, right? But, but again, kefir dollar 75. So that's what I'm saying a gallon of milk and I could get into it. It wasn't like the big jumbo candy bar, nut it was something. And I brought that change. But that was possible in like 1986, I think is when that was okay. It feels like a little while ago, but it shouldn't have changed that much. But it did. So if you look back at that's not a 2% inflation increase. That's common. That's some serious increase, especially the price of milk today. Right. So we started looking at that the Fed has never really kept it under 2% control.   The other thing is, is our inflation today, I don't know if we're really know the full outcome of what's going to happen with what they did with those printed dollars. They have put $8.9 trillion into the markets that they never were in before. If you look at their holdings with respect to mortgage backed securities and treasuries, $8.9 trillion. Then we have they backed off by point zero 2 trillion. And now we have interest rates more than double what happens when they back off by half. Right? So when you start thinking about what they did, and what we're that we're the the amount of money that's in circulation, there's got to be some really massive moves here to get this under control and One of the things that really kind of stands out to me and if you heard this conversation were Powell, the chairman of the Fed was speaking. One of the things he said, I don't remember the exact words. He says one thing we've learned about inflation is we know very little about inflation. That's alarming.   Michael: Yeah, big time.   Aaron: And that was said within the last 45 days, I think 45 to 60 days. So what I am taking by that is inflation. There's this big loaded oil tanker, right, and it's headed towards ground right now. And they didn't get off the throttle early enough with all the stuff they're doing. Now. They're dropping all these anchors, they're hooking up tugboats. They're doing everything think everything they can, but it's too, it's too late. It's going to run aground. And what that happens when it runs aground, I don't know. But it's going to be pretty ugly. And so that's why I tell everybody I'm dealing with, you need to control what you can control for as long as you can control it. And the one thing we can control right now is a 30 year fixed loan. An ARM, Are these things they call, what did they call this thing be all in one loans, it's an adjustable rate, just a single adjustable rate, kind of a credit line? Yeah, great concept. But we have no idea how it's going to react in an environment like this. So for me, it's like whatever you can do to maintain it and keep control of it. And then when you know, we know for a fact that sense right now to close on this 30 year fixed and pay the points and get the rate.   But what I do know is you're not going to pay it back, you're gonna pay less than what you borrowed. When you go with what the bank say, let's go with a five year or seven year, you have to do something with that loan, at some point. What did you just become a new client for the banks, that's what they want. That's what they say in the background, sell the arm because you're insuring your business for the future, the business for who the loan originator, not the person buying houses to rent out and to maintain a business, you are now become somebody's servant, you become a business, somebody else's future, you're a commodity. And I try and tell her but don't become somebody else's commodity control it for as long as you can. Only pull refinances, you can pull the money back out and reinvest into other things. Other than that, let that sucker sit there as long as you can run that out and let somebody else pay the freight.   Michael: Yeah, that makes a ton of sense. Aaron, I know you deal exclusively in residential mortgages. But can you give any insight into why the commercial markets only have 5- 7-10 year options on their mortgages, as opposed to the 30? year fixed? I mean, I have seen a 30 year fixed, but it's not the Colt 45, like it is in the residential space?   Aaron: Yes, you're right. It's it's very, very uncommon. Well, because most your commercial mortgages have to be made up by by investor capital or by banks, right. And so banks are going to take depositor capital, and they're going to create this or they're going to create their own type of security. And they're going to be able to get investors come into most investors don't want to let their money sit for 30 years. Most people don't know that when you're letting your money sit for 30 years in an inflationary environment, you're not getting your money, right, we all expect a certain rate of return on if you do any sort of hard money lending. Or if you've ever done anything to that effect, or fix and flips, you're going to calculate your return on investment annually. And I searched for a 12 plus. Right. And I don't know if you listen to Warren Buffett, Warren Buffett was talking about where, you know, some lady came to him. And, you know, she was trying to figure out how to how to invest her money, and it was a lot of money to her, but not to him. And he said, we have any credit cards? And she goes well, yeah. And he goes, we'll pay that off first. Because why would I do that? I'm not making any money. He goes, What are you paying your interest? 18 20% Because I can't make 18%. So I was I don't know how to do that. So get rid of the debt, you know, then I can show you how to make at least 12 to 13. So that's what we all are wanting is get that 12 13%.   You're not going to make that in a 30 year fixed, you just aren't. So what we've had we've we've created a way to kind of subsidized by the system. And we've got this Fannie Mae or Freddie Mac. And what they did was they created the mortgage backed securities, luminary did that for anybody who watched the The Big Short. And if you haven't actually watch it. I know this is a family family show. So don't let the kids in there when you watch it, but it explains the history of the mortgage back series security, where it came from. And now what you have is now a tradable piece of paper that people keep just trading around. That's where its value is. Its value is in its trade ability in its liquid tradability as well as the fact that it the performance of the note people making the payments on time. That's what makes that's a valuable piece of paper, not to sit and hold it for 30 years. It's not valuable at all, you're losing money on that paper.   So that's why I think in the commercial world because they have not had this initiative from the from the government say we need to create housing or we need to create people's businesses, right. They didn't have that initiative. They had the initiative when you create housing, when you give people opportunity to live in a home when you give them the best opportunity and mortgage financing. So they created a 30 year fixed and a 30 year fixed has caught hold and become kind of the gold standard is now the the the Qualified Mortgage, if you will, when you get into anything else. So those where you're not really a qualified loan, you don't have safe harbor from the government or do anything outside of that. So that's about my best guess is you can't get anybody to want to put money up for that long for so cheap and lose it, and just and not make a return is really what it boils down to. They probably just rather own the building.   Michael: Yep. Yeah, that makes sense. That makes sense. Aaron, one final question before you before I let you out of here 15 year fixed versus 30 year fixed, you'll often see a pretty big spread on the interest rate. Does it ever make sense?   Aaron: We're not seeing as big a spread now as we used to. But here's where I look, it used to be a bigger spread. It's not real big right now, if there is a spread at all. So and one, two reasons we're not seeing as big a spread as we used to, we have a lot of uncertainty in the labor market right now. And as a result, that uncertainty lenders like I don't know, if I want to saddle somebody with a bigger payment, when they may have a an issue with their income in the near future. And if they do have an issue with their income, what is their ability to pay this higher payment versus a 30 year fixed, so we're gonna price it in a way that kind of leads them back to good old fashioned 30 year fixed, because our value in our portfolio is them being able to make their payment. So then when you do compare them side by side, even if it's a lower payment, you can use my, you can't use my calculator, I don't have that feature in this, we will in a future iteration, by run the numbers, when you're paying off a 15 year fixed, even at a three eighths of a percent lower interest rate or even a half, I have found you actually pay more in actual dollars. The reason being you're paying those dollars while they're worth more, rather than stretching out over time when they're worth less, because in 15 years, they're going to be worth a hell of a lot less than they are within the first 15 years.   So those who pay that off quick like that, yeah, feels good. You're getting equity in your house and all that kind of stuff. I'm of the mindset pay the 30 year fixed stretch as far as I can take the extra money I would have paid for 15 and reinvested somewhere else. And as a result of being able to do that multiple different properties and compound it that way I'll generate a lot more wealth. Because when you have when you have a home and I tell people if you're gonna buy real estate investments and get those those single families, duplex, triplex, fourplex, you have two jobs, right, you have to pick the right people to work with on the real estate side. And on the lending side to understand what you're trying to do and will guide you not try and lead you to make them money but lead you to make you money, and then pick the right asset to buy the stays reasonably rent it for the entire time you own it, you can raise rents, if you have that, who pays off the mortgage?   Michael: The tenants,   Aaron: the tenant, so if the tenant pays it off, and it's easy to do the math, guys just take 100,000, let's say it's 100? Well, you have to say it's an 80,000, or only about 100,000, our house with 20%, down, you got an $80,000 loan, you divide that up by 30, which is how many years are taken to pay it off, you'll find that it pays off. They're all they're basically giving you $2,666.67 per year, they're giving that to you, right, and that's what you're paying off the mortgage with? Well, you divide that into your investment, which is the money you invested 20,000 plus a 6000 in closing costs as 26,000 your investments grown by 10.25%, every year, do the math, you figure it out yourself. If they're paying it off, you did your job. And that's all you made was done paying off the loan, you made no more cash flow, you put no more out of your pocket, that's 10.25%, predictable, you still have the tax benefits, you still have the appreciation on the home.   So that's before all, all cash flow. So what I tell everybody is let that drag out, it doesn't matter what you do, if you do it on a 15 year note, you're more than likely have to go to your pocket, you're more than likely have to try and maintain that in other ways. And if you're out of a tenant for a month or two, that's really going to hurt your pocket, stretch that thing out. If you really feel like you want to get it paid off 10 years you can all in 15 years, you can always pay a 30 like a 15 You can never pay a 15 like a 30.   Michael: Yeah, it's very I always tell people to there you have the optionality with 30 year and that you don't have the 15. Arron: Options or everything. You know, that's all people want is to be able to make a decision for themselves. But when you pitch and you back yourself in the corner, and you're not allowed to decide for yourself, that's when you're frustrated, that's when you get angry, leave yourself out. It's a good business move to leave yourself out. The other thing of it is going back to the to the arms these other stuff, man, we're going off of hope. And hope is not a good business strategy. You need to go off of what you know and stick with what you know and control for long as you possibly can.   Michael: Love it. And this is an awesome place to put us pause until our next conversation. Until then, where can people find out more about you reach out to you if they have questions or want to reach out to you for your services?   Aaron: Best Places go to AaronChapman.com If you can't find me there because sometimes there are some some browsers don't like it you have to type in Aaron B chapman.com. Just type in Aaron Chapman a Google if you find a bearded redneck lender you found him.   Michael: Right on. Right on. Well, hey, thanks a lot, man for hanging out with me and walking us through this really kind of tumultuous time appreciate you. And we'll definitely be chatting again soon.   Aaron: It was my pleasure brother. And again, thanks for letting me under to poke some holes in in people's heads out there.   Michael: All right, everyone. That was our episode A big thank you to Aaron for coming on and dropping some really interesting Insights for us on where we're headed in the market. As always, if you enjoyed the episode, feel free to leave us a rating or review and we look forward to seeing the next one. Happy investing

Arise, o listenersBayo's call obeyWhat does it mean to serve your fatherland?In a number of nations it kinda looks like mandatory youth service. But on a scale of Taiwan to Singapore, with Nigeria's Nysc being somewhere in the middle, where would your nation rank?Find out when Bayo takes you around the world in 15 minutes!

Arise, o listenersBayo's call obeyWhat does it mean to serve your fatherland?In a number of nations it kinda looks like mandatory youth service. But on a scale of Taiwan to Singapore, with Nigeria's Nysc being somewhere in the middle, where would your nation rank?Find out when Bayo takes you around the world in 15 minutes!

Arise, o listenersBayo's call obeyWhat does it mean to serve your fatherland?In a number of nations it kinda looks like mandatory youth service. But on a scale of Taiwan to Singapore, with Nigeria's Nysc being somewhere in the middle, where would your nation rank?Find out when Bayo takes you around the world in 15 minutes!

Hey Fap fam! Welcome to Season II of The Fikemi Aderoju Podcast. Today's episode is about some thoughts I have on NYSC and a few updates on interesting things that happened this week. Email: fikemiaderoju@gmail.com | IG:thefikemiaderojupodcast | Don't forget to give us a five star rating on to help with our reach and tell someone about the FAP today! God bless you --- Send in a voice message: https://anchor.fm/thefikemiaderojupod/message

The Nysc experience is one that has been heavily criticized by a lot of people with strong arguments from both sides of the divide. For me though, it was a beautiful experience and in this episode of random musings, I talk about how the program was for me and the truly memorable things I enjoyed. --- Send in a voice message: https://anchor.fm/rafiat-akinwande/message

As gyms across the United States have been opening back up at different rates, what has that looked like? How have (or haven't) gyms adapted to consumers, and how have instructors approached the re-hiring process? It's no secret that there was a plethora of fitness instructors that increased their revenue during the pandemic due to starting their own entrepreneurial ventures. In episode 61 of the KIPS Podcast, guest Vincent Metzo, MA, CSCS shares his outlook on the last few years and how the fitness industry has changed. Vincent is the Senior Director for Fitness Education of Town Sports International and overseas the onboarding and reupping of instructors with their training. A major topic that we discuss is the dilemma gyms face as they try to recruit instructors to come work for them and how the pandemic has changed this process. Vincent also discusses his outlook on fitness education and his advice for instructors wanting to get hired as an entry-level trainer. Book mentioned by Vince - https://www.hachettego.com/titles/dr-michelle-segar/the-joy-choice/9780306826092/ Article mentioned by Vince - http://clubinsideronline.com/archives/showarticle.php?articleID=051203 Careers at NYSC - https://careersnysc.com/?seg_id=01FV38FVYG6Y0PSG431XEZ6HRJ.8859.1648233984023 Kettlebell trainings: www.kettlebellconcepts.com KIPS Courses with Vince - https://kipsonline.org/kettlebell-corrective-strategies-and-techniques-shoulder-and-hip/ & https://kipsonline.org/online-club-training/ Contact Vince at vincent.metzo@tsiclubs.com Check out the KIPS Virtual Training Resources - https://kipsonline.org/virtual-training-resources/

Harry Kane's last minute header might have just blown both the Title & Top 4 race wide open as it leaves Liverpool just 6 points behind leaders Man City with a game in hand. Victories for Arsenal, Man United and Chelsea also ensures that things remained heated at the top of the table. Arsenal's Indispensable David and Chelsea's Angel join us on this episode to discuss all the action. David finally tells us what exactly went wrong with Aubameyang and Arteta while Angel tries to explain Lukaku's disappointing situation. Together we preview the incoming UCL Atletico vs Man U and Lille vs Chelsea games, and how the “No Away Goal” rule would affect CL games going forward. In extra time, the guests give their thoughts on the NYSC scheme and Edmund shares the easiest and simplest ways to become an influencer and content creator. FOLLOW Edmund Oris on Twitter: https://twitter.com/edmundoris?s=21 Instagram: https://instagram.com/edmund_oris?utm_medium=copy_link David on Twitter https://twitter.com/davidchibike?s=21 Angel on Twitter https://twitter.com/angelomininii?s=21 Sign up to receive my football newsletters https://tinyurl.com/Football-newsletter

I just knocked this one out of the park (happy Boxing Day lovers ).

On this episode, we collaborate with Kwality Kontent podcast as we talk about the National Youth service corp especially our moments in the camp….. Listen and Enjoy

In Nigeria, the debate on if the popular and mandatory National Youth Service Corps (NYSC) scheme should be scrapped or not would continue to go on and on. So on this episode of Vibe With Edmund Oris podcast, Edmund is joined by two special friends Bukunmi and Jennifer and sharing their fun personal experiences they vibe about how they maximized and made the most of Nysc by being intentional and strategic with the time. Bukunmi and Jennifer also give a brilliant insight on the charity organization “Santa in Ibadan” This is an episode every Youth Corper or intending Youth Corper should listen to