Podcasts about options exchange

Nile Harris, a seasoned leader with two decades of experience in the MedTech industry, is the founder and CEO of HVG Executive Solutions and currently serves as a director in the life sciences practice at Alvarez & Marsal. Nile shares her diverse career journey from financial services to MedTech, including roles at Medtronic and Abbott, and her current work in management consulting. Emphasizing the value of lifelong learning, Nile discusses her philosophy on leadership, blending strategy with tactical execution, and the importance of adapting rapidly. She also reflects on pivotal moments, like nearly quitting due to the emotional challenges in medtech sales, and her passion for closing healthcare disparity gaps.  Guest links: https://gapdemystified.com | https://hvg.llc Charity supported: Opportunity International Interested in being a guest on the show or have feedback to share? Email us at podcast@velentium.com.  PRODUCTION CREDITS Host: Lindsey Dinneen Editing: Marketing Wise Producer: Velentium   EPISODE TRANSCRIPT Episode 043 - Nile Harris [00:00:00] Lindsey Dinneen: Hi, I'm Lindsey and I'm talking with MedTech industry leaders on how they change lives for a better world. [00:00:09] Diane Bouis: The inventions and technologies are fascinating and so are the people who work with them. [00:00:15] Frank Jaskulke: There was a period of time where I realized, fundamentally, my job was to go hang out with really smart people that are saving lives and then do work that would help them save more lives. [00:00:28] Diane Bouis: I got into the business to save lives and it is incredibly motivating to work with people who are in that same business, saving or improving lives. [00:00:38] Duane Mancini: What better industry than where I get to wake up every day and just save people's lives. [00:00:42] Lindsey Dinneen: These are extraordinary people doing extraordinary work, and this is The Leading Difference. Hello, and welcome back to another episode of The Leading Difference podcast. I'm your host, Lindsey, and I'm so excited to introduce you to my guest today, Nile Harris. Nile is a highly skilled and versatile leader who has made significant impact in the medtech industry for two decades from the C suite to the operating room and companies such as Medtronic and Abbott. Her agility was forged through a successful cross functional career, spanning corporate strategy and development, product marketing, field sales and marketing, strategic market insights, commercialization, market access, and executive coaching. Nile is an expert advisor and mentor for Life Science Tennessee and the Nashville Entrepreneur Center focused on early stage startups. She is the CEO and Founder of HVG Executive Solutions and currently serves as Director in the life sciences practice at Alvarez and Marsal. All right. Well, thank you so much for being here, Nile. I'm so excited to speak with you today. [00:01:48] Nile Harris: Thank you. I'm happy and excited to be here as well. [00:01:53] Lindsey Dinneen: Awesome. Well, I was wondering if you wouldn't mind starting off by telling us a little bit about yourself and your background and what led you to MedTech. [00:02:03] Nile Harris: Yeah. Interesting story. Happy to share my journey to MedTech. I tripped into it and loved it. I began my career out of undergrad in financial services, actually interned all through undergrad and financial services. And I loved being on a trading floor-- I was actually a licensed broker at one point-- loved working on trading floors. I'm originally from Chicago, worked at the Board of Trade, Chicago Board of Options Exchange, but it wasn't a cultural fit. And I felt like I wanted to give more or put more out into the world other than making more money, essentially. And I went to business school at the University of Michigan and did my internship at Lily in Indianapolis and absolutely loved healthcare. And it had never occurred to me that healthcare was an option. And I spent my summer there as IT Project Manager supporting clinical trials. And I was like, I thought this was just amazing. And so I was recruited to Medtronic coming out of Michigan and they had an IT rotation, leadership rotation program. They're sort of a internal consulting group. And I was in that program for two years. And when I came out of that program, I went to the strategy and corporate development group within Medtronic. And that's when I really saw what we did as a company there. I really have more exposure to the products, the lives that we were saving, and the impact that we were having. And I had really no idea what it took to get a product from bench to bedside. Like, what does it take to get a product designed and into a patient? And I decided to go from corporate strategy and development to field sales and marketing. So I was like, I thought that there was no better way to learn it than just to roll up my sleeves and get into it. And so I went from making PowerPoints and Excel spreadsheets to being out in the field. So I went from being in Minneapolis to Nashville, where I was doing Therapy Development Specialist. So it was a hybrid between sales and marketing. And I spent a lot of time in hospitals. And the part of my job was essentially to grow the pie for thoracic and abdominal aortic aneurysm stent grafts, and then grow our piece of the pie. So I was in surgeries, but I was also doing strategy and sort of marketing and attracting customers and refer referral patterns. And it was great. This was like, this was magical to me. And I had no idea before I got into Medtronic that this was a world that was even open to me. And so I just got deeper into it. I did product management, did value based healthcare and pricing. I did a stop for a couple of years in K 12 education. I'm very passionate about closing the health, wealth, and education disparity gap in America. And so I was a Broad Resident for the system management of school systems. And so I led strategy for a charter school system in Nashville, but went back into working with, with life science companies at a small consulting firm, and then was doing some independent consulting, started doing executive coaching, specifically within medtech for those people who are trying to get to that next level of leadership and trying to figure out how do you run multi generational teams? And then I was at Abbott for a little bit as a Global Director there and built a team there. And now I do management consultant. And so I've been in medtech now for 20 years. And what I love about being a consultant is that I get to take all of those experiences and how companies bring innovations to life. [00:06:20] Lindsey Dinneen: Wow. Yeah. Well, first of all, thank you for sharing about your background. What an amazing breadth of experience you have. And also I love the thread of your lifelong learning and curiosity. And, oh my gosh. I mean, so I looked at your, LinkedIn profile and I was like, okay, so you have a BA, a BS, an MEd, and an MBA. So clearly education. [00:06:50] Nile Harris: I do I believe education is important and so the BS in finance and the BA in communications happened because at the University of Illinois, you can get a BA in Finance or a BS in Finance. And so I went the BS route, but it was very technical. We had these highly technical economic classes, statistical modeling, all these things. There weren't a lot of soft skill classes, and I wanted to incorporate that into my experience. And then I realized, well, if I earned a certain number of hours, I could be a dual degree versus dual major. And my junior year, I had no idea, but my junior year, I got this letter from the university saying that all of my advanced placement classes from high school transferred and I had a semester's worth of additional hours. So I spent an additional summer after I finished one degree and then I was able to finish the second degree. So I did both in four years. [00:07:52] Lindsey Dinneen: Wow. Holy cannoli. Okay. [00:07:54] Nile Harris: I'm a lifelong learner. I believe you need to always be learning. And the curiosity is, I think a lot of times I've gotten the feedback of, "Well, you're kind of all over the place." But not really. I am curious about what people do and how they do their jobs. And I would, when I was in strategy and development, my role was to lead the strategic planning process, and I had access to all of the business leaders, all of the presidents, all of the leaders that they worked with. And that was just awesome. That in itself was just a college education. I had ready access to ask them about their businesses. But I also asked him, "Well, how can I be a better partner for you? If I'm in corporate, how can I be a better partner for you?" And one of the things that came up over and over again was, "Understand my business better. I understand that you have to run the process and you're focused on getting all of the parts and pieces together. But what would help me is if more people in corporate understood my business." And I was like, "Okay, I'm going to go into sales." [00:09:04] Lindsey Dinneen: Yes. Wow, that is so incredible. And, leadership and management, and now with your executive coaching, obviously that's a been a running theme and will continue to be. And I'm really curious what is maybe your top couple pieces of advice for those who are looking to either become better leaders or to even start being a leader? [00:09:32] Nile Harris: That is a great question. I think, first of all, I counsel people to develop your personal leadership philosophy. What type of leader do you want to be? What is the legacy that you want to leave with people? What is it that you want them to remember you for? For me, it was being a servant leader. I see myself as, "People don't work for me. I work for them." My job is to remove obstacles, build them up, set a vision, set the container in which they work and then support them in that. Set the example, model the example and and I always say, you know, the book "Leaders Eat Last." Well, I say, "Leaders eat last and they're the first to the fire." And so you develop that philosophy and talk to people. Like I said, I had access to some amazing leaders and I watched them and I talked to them and I asked them and so, interview people, talk to people who you think are great leaders. The second thing I would say is learn from people who you think are not great leaders. Let them teach you about what you don't want to be as a leader. Right? And the third thing is talk to people. I had one mentor who used to say his version of a quote from Abraham Lincoln, which was, "You can't lead without the consent of the followers. Find out what the followers need and give them that." And leadership is for the people who are following you. Promotions or accolades or rewards are for you as an effective leader, right, for getting results. The leadership is what you are providing to others. [00:11:19] Lindsey Dinneen: Yeah, that's great advice. Thank you for sharing that. I think especially your middle point about learning from leaders that you don't look up to, but that have actually a lot to teach you is such a good point too, because, in general, we look up to the people that we go, "Oh my goodness, I love the way that this person leads. I really admire what they bring to the table." And then, that's great, but it is also such an experience to learn from somebody that doesn't have maybe the leadership qualities that you aspire to have. And so you're able to go, "Okay, so this is what doesn't work. Let me figure out what does." [00:11:58] Nile Harris: Exactly. And even the leadership style, even if it doesn't work for you, even if it doesn't work for 95 percent of the organization that person has been put in charge of, that there's something that they do that you might like. So don't necessarily throw the baby out with the bathwater and just say, "Oh, they're a terrible leader." What they're doing something, they did something to be able to get in that, into that position. Learn from that as well. [00:12:25] Lindsey Dinneen: Yeah. Ooh, taking it a step further. I love it. You know, one thing I really enjoy-- oh, I very much enjoyed reading your LinkedIn profile, by the way-- but one thing that really stood out to me, and I would love if you could talk a little bit about was somebody at some point told you that you have an amazing ability to "seamlessly switch between strategy and tactical execution." Could you speak a little bit to that? That is so cool. [00:12:51] Nile Harris: So this is funny. This is a very funny thing. So that was a manager who I did not get along with. We did not see eye to eye. And we had a facilitator come into our team meeting one day and help us to figure out how do we work together and collaborate as a team. Like, how do we pull out the gifts right in each other? And so the facilitator went person to person and asked, "What's your gift? What's your gift? What's your gift?" And so when he got to me, I said, "Oh, my gift is my organizational skills. I'm very organized and I can connect all these dots." And so my manager, who I did not get along with, says, "Your gift is effortlessly going from strategy to tactical execution. You can be in the clouds and then on the ground. And it is a clear stream and it is effortless." And everybody in the room was like, "Yeah, well, where did you get organization from?" I was like, "Wait, where'd you get that from?" I didn't see that in myself. It didn't, it didn't occur to me that's what I was doing. When they pointed it out, I didn't realize it was a gift. Because I just do it. And then they were like, "Not everybody can do that." And I thought it was so odd that this person who I had sort of like this ongoing strife with was the one to point it out. [00:14:27] Lindsey Dinneen: Yeah, that's irony for you, but what a gift though, because then yeah, to understand, "Oh, this isn't something..." I think that happens a lot where you get to it's really helpful to have somebody who's outside perspective who can say, "Actually, this is your superpower because most people can't do what you think just comes naturally to everyone." If only. [00:14:51] Nile Harris: Yes. And 'cause a lot of times I actually got this question, somebody else was going through my LinkedIn profile and they were like, "Well, how did you develop that skillset?" And I told him, "You know, I didn't do it intentionally. I didn't set out to say,' I'm going to go from strategy to execution effortlessly.'" I think it was the act of doing it. So being able to say, "Well, I don't want to be in financial services, but now I have that financial skill and acumen. I'm going to leverage it to change industries." And then being in this tactical position of putting together models and PowerPoints. And I was putting together PowerPoints for like our executive committee. So I'm this very, I'm doing something very tactical, but at a strategic level. And then to go from that to say, "Well, I want to really understand how these things connect together." All right. And so I go to sales. And so I think it was just the, I followed the trail of the curiosity and I learned something along the way by doing that. And so it ultimately, it just sort of naturally, I think cultivated what I do know that I'm really good at is seeing patterns and connecting dots. And I think it just sort of came from that. [00:16:11] Lindsey Dinneen: Yeah, I think that makes a lot of sense. And I think, to your point of you having demonstrated your willingness to continue to learn and to step into different roles, so that you were able to continue to expand your knowledge and your skill sets, I mean, you know, it's funny. And I know a lot of people talk about the idea of generalist versus specialist. And being a generalist does have a lot of advantages in terms of, when you have this crazy diverse skillset and even experience in multiple industries, then all of a sudden you can draw from, "Oh, you know what? I remember this really random thing back in when I was doing financial services that actually would really apply here. I don't, I wonder if anyone has ever thought about that!" And then you keep connecting those dots, like you said, so. [00:17:03] Nile Harris: Exactly. And that's exactly how it happens in my brain. Right? Like my brain will reach back to, "Remember when you worked on this project and you did this really random thing." And I'm like, "Yeah!" My brain's like, "It applies here." I'm like, "Okay." But I did Strength Finders and one of the strengths, it was described as, I didn't necessarily agree with the word that they use, but when I read the description, in the description, it said, "I am a collector of information." And I'm like, yes! I have every notebook that I used to take notes for work. I have every notebook going back to my first job out of college. And I use Evernote to collect, literally collect articles across the internet. If I'm like, "Oh, this is interesting," I'll clip it into Evernote. And so now I've got sort of this encyclopedia of information. And so if I want to, think about, "Oh, I read this article about this medtech company that was doing this thing," I can search my little encyclopedia and find out. So that also is the whole connecting the dots. And Steve Jobs had a, and I'm going to butcher the quote, but he had a quote about "being innovative and being creative is about having enough experiences that you can connect." [00:18:32] Lindsey Dinneen: Oh, I love that. Oh my goodness. Yes. I cannot agree more, and I think the ability to be creative does often come from being able to draw from lots and lots of different sources and then putting them together in a new way. So, oh my gosh, I love this So, you know another thing that stood out in your profile was, you have a wonderful ability to "plan meticulously and then adapt rapidly," and obviously your career path has really demonstrated that but I'm wondering is that in particular a skill set that you developed over time, or have you always had a tendency towards very careful planning, but at the same time holding those plans loosely enough that you can adapt quickly? [00:19:21] Nile Harris: Yeah, there's a little bit of both. It's inherent in me to want to plan, want to know where things are. That just gives me a sense of comfort. I did not always adapt rapidly. That was working in the strategy and corporate development, working with a bunch of C suite, the CEO, the COO, the presidents of all the businesses, adapting rapidly was a requirement. And things would change super fast. The meeting might start off about one topic and then it ends on a totally different topic. So having to pivot, having to go. But then that also helped me with, "Okay, I'm going to have a plan a and plan B and a plan C," because then I started to learn how to anticipate and I would know, "Okay, if we're going to go through this particular presentation, which is about this piece of the strategic plan, it could go one of three ways. And I want to be prepared for all three ways." And so over time, I became known for my ability to pivot real quick or have something in my back pocket. So people would always then be like, "Oh, Nile, we know that you have a plan B. We know that." And we were doing a sales meeting. I worked under the president of the cardiovascular business, and we were doing a sales meeting and his video or presentation clip, whatever was on this sort of --this was a long time ago. So it wasn't transferred digitally. It had to physically be burned onto a tape or a CD or some medium. And I had to physically transport it with me from Minneapolis to Las Vegas, where the meeting was. And I said, " Could you make another one so I have a backup?" And the guy was like, "Come on." And I was like, "Nope." So I gave the first copy to the person I was supposed to hand it off to. Get to Las Vegas, and they called me over to the hall for rehearsal. And they're like, "Hey, we can't find the first copy." And I was like, "No worries." I pull out the second copy out of my little bag. And the president of the business was like, "Yep, that's Nile." And they were sitting there and they said, "Yeah, the president, he wasn't worried at all. Like we were freaking out and he was like, 'Nah, just call Nile.'" [00:21:36] Lindsey Dinneen: Oh. [00:21:37] Nile Harris: And they were like, "Wow." And he was like, "I told you." And so then being in sales is nothing but adapting rapidly. That is what, that is all day, every day. So that adapting rapidly was, it was taught. But I think being planful was my natural inclination. [00:21:57] Lindsey Dinneen: Yeah. Well, what a great reputation, too, to have. "Just call Nile. It'll be great. It'll be fine." [00:22:03] Nile Harris: "It'll be fine. Nile's got covered." [00:22:05] Lindsey Dinneen: I love that. Yeah. So what are you really looking forward to maybe both personally and professionally in the next couple of years? [00:22:15] Nile Harris: Now that I'm in a bigger management consulting firm not doing the independent piece, but I'm part of this bigger entity, there is so much happening in medtech and medical device and life science in general, with generative AI, health care equities, just so much happening. And I think that we are reaching a really a big pivot point also with like digital health care and collecting data and on patient care, predictive medicine. We are at this next evolution of care, and I'm really excited to help usher that in by working with other, with companies, with innovators in this space. The AI with imaging and streamlining workflows and helping to close healthcare disparity gaps, to be able to contribute to that in a much deeper way that you can't when you are a independent consultant. The other piece is, I really love helping to build those high performing teams. And I, there's like with coaching, I love that aha moment, that moment when somebody is like, "Oh, wow." That moment I had when my manager said my gift is going from strategy to execution. I love helping other people have that moment. So I'm looking to help build that next level of leaders that will be better leaders than I am, better leaders than I had. And then that the next stage for me is how do I again, take everything I've learned and pay that forward. , leave a legacy. That's, and I might be talking about like, it might seem like I feel like I'm old because in two years I'm still going to be working. I'm still going to be doing things, but that's when I feel you start to get into the part of your career where you're leaving that mark, you're leaving that legacy. That's the thing that we want to know Nile for in the medtech space. And then really also outside of work, more personally is, I feel very strongly about the health, wealth and education disparity gap and America and being able to contribute to health and equity where we have two demographics of people who get a disease at the same, same rate, but they don't have the same outcomes, the same treatment outcomes. Like, why is that? So how can I contribute to that? [00:24:57] Lindsey Dinneen: Yeah. Yeah. Yeah. Those are all wonderful things to be thinking about and working towards. So yeah, I really appreciate just-- you talked about how you are a servant leader, but you just have such a beautiful heart of service. And I mean, I could see that throughout even your volunteering and your mentorship and things that you do. So, gosh, yeah. Thank you for sharing about that. [00:25:21] Nile Harris: Yeah. [00:25:21] Lindsey Dinneen: So I'm curious. Along this journey, especially in medtech, have there been any moments that stand out to you as really clarifying to you, "Wow, I am in the right place, at the right time, in the right industry?" [00:25:36] Nile Harris: Oh, oh. There is a moment where I almost quit and it was when I was in sales. And again, it was a hybrid sales marketing role, but I was, it was doing my field training and I'm so excited to be out there. And I, you know, completely committed to the mission and we help people in these devices. They go in people and they restore health and they do all of these things and these things are great. And I was, In the hospital one day with one of my training reps, and we got a call to the E. R. There was a patient in there with a ruptured aneurysm, aortic aneurysm, and he was, I don't know, in his eighties, mid eighties. And we looked at the film to see if the device, the stent graft, it's minimally invasive. The other way you repair an aortic aneurysm is to open somebody all of the way up and take out their aorta and put in a different type of graft. And when we looked at the film, this was a ruptured something like a 10 centimeter aneurysm. And this patient was actively bleeding out. And the rep asked me, " What do you see?" And that's what I said I saw. And she said, "Well, okay, so what are we going to do?" And I'm like going through my training, flipping through my training and everything in my training said, "There's nothing that we can do for this patient." And so I say it to her and she was like, "Correct." And so essentially once you've ruptured to this point, they were just making him comfortable at this point and he was going to expire. And I conceptually understood that people pass away. We can't save everybody, but to have to sit there in that moment and look at looking at this film and you are dealing with a human, is a human being on the table and you are saying it's "Wow. This is the moment where you can't do anything." So we left there and I just went back to my hotel and I was like, " This is stupid. Like, why am I doing this?" And my manager called me and I told him, I was like, "You know what? I don't think I'm cut out for this. I can't do this. I can't not save people. I got into this to save people." And he said, "If you had any other reaction, I would be worried about you." He's like, " Give it 48 hours and call me back." So I gave it 48 hours. I called him back and I was like, " No, I'm supposed to be here. I'm in the right place. I love this work. I love what I do. I would not have been so upset if I didn't. If I didn't love what I do, if I wasn't in the right place, I would not have been so upset. So that was to me was a defining moment of that's why I love this work." [00:28:41] Lindsey Dinneen: Wow. Oh my goodness. What a powerful story. Thank you for sharing that. [00:28:46] Nile Harris: Yeah. You're welcome. [00:28:47] Lindsey Dinneen: You know, I really appreciate-- that's such a human moment to have. And of course we all have them, but we don't always talk about them because it doesn't always feel good, but that is so powerful that you were able to take what, it was such a difficult moment but use it as a little bit of motivation for your why as well. Wow. Yeah, that is amazing. Thank you. [00:29:09] Nile Harris: Yeah. And yeah, you're welcome. And I had two primary trainers in Tennessee. They were like in different parts of Tennessee, and the primary trainer told me when I, first day of training, he said, "If you always do what's right for the patient, everything else will come. [00:29:24] Lindsey Dinneen: Yeah, there you go. That's "great. [00:29:27] Nile Harris: Yep. [00:29:28] Lindsey Dinneen: Yeah, well, pivoting the conversation just for fun, imagine that you were to be offered a million dollars to teach a masterclass on anything you want. It can be in your industry, but it doesn't have to be. What would you choose to teach and why? [00:29:44] Nile Harris: Oh, this is such a great question. I don't know how I would do it. But I would teach people how to, how do I put this? I would teach people how to go from like strategy to execution but in a, I think maybe in a broader way, I would teach people like how to connect thoughts or how to be curious or how to always be learning. I don't know exactly how I would do it, but I would teach people to be explorers their life. [00:30:13] Lindsey Dinneen: Yes. Oh, I love that so much. Yes, amazing. Yeah, well, whenever you put that together, let me know because that sounds incredible. [00:30:24] Nile Harris: Yeah. I mean, I just wrote it, like I wrote it down, right? Like, I like, that's what I would do. I would teach people to be explorers, because then if you teach people to be explorers of their own life and curious about their own life, they're going to end up where they're supposed to end up eventually, right? So whether it's medtech or whether it's this or that, like you're going to end up where you should be because you've been curious about your life. And, yeah, that's what I teach. [00:30:52] Lindsey Dinneen: Yeah, I love it. And also, I think the benefit of the explorer mindset is that you are, because you are choosing to view life as an adventure and you're constantly learning and growing, there really isn't such a thing as failure. You're exploring. So if something doesn't go the way that you hoped it would or planned it would or whatever, you go, "Okay, that exploration didn't go as planned. What did I learn from it though?" And then let's move forward. [00:31:21] Nile Harris: Yeah, that's exactly how I look at it. Somebody asked me If I have a fear of failure, and I said, "I don't." And they're like, "That's crazy. Everybody has a fear of failure." And I was like, "No, because I tried something didn't work out. And now I know." Right? Or, "I didn't do it the right way. Now I know the right way, you know?" So I was like, "I don't have a fear of failure. I have a fear of doing things badly, not performing well." But failure? No, it's all exploration, it's all learning." [00:31:46] Lindsey Dinneen: Yeah. Ah, perfect mindset. I love it. So, and then you touched a little bit on this, but just to dive a little bit more into it, how do you wish to be remembered after you leave this world? [00:32:01] Nile Harris: As a servant. Yeah, I, that's a, yeah, I don't think there's more... I want people to remember that I contributed, that I gave more than I got, that I helped others, and I'll be happy with that. [00:32:22] Lindsey Dinneen: Yeah, absolutely. Yeah, and then final question. What is one thing that makes you smile every time you see or think about it? [00:32:32] Nile Harris: Dogs! Dogs! [00:32:36] Lindsey Dinneen: The end. [00:32:37] Nile Harris: The end! See him on the street? Smile. Go to the dog park? Smile. Look at my own dog? Smile. Dogs are our partners in life. They are like four legged dopamine molecules. They are just amazing. And, they're always such a good energy boost, mood boost. Somebody asked me this, " If you quit MedTech tomorrow, what would you go do?" And I'm like, "I would open a doggy daycare." [00:33:06] Lindsey Dinneen: Amazing. I love it. Yeah, they're just little bundles of joy. I mean, how can you not just be so excited to see... Well, I view it that way. How could you just not fall in love? I fall in love all the time with dogs. [00:33:17] Nile Harris: Yeah, the dogs are amazing, I always feel like they make a family complete. I love, and you specifically said "see," so when I see dogs, but I think what gives me energy, I'm kind of, I'm kind of adding a part B to this. I think what personally gives me energy is being around my family. I come from a really big family. And so being able to share that family energy is energizing. But when I see a dog, I'm insta happy. [00:33:46] Lindsey Dinneen: I love it. And I love your part B too. That's a really compelling secondary answer too. So yeah. Thank you for that. So, yeah. Well, Nile, this conversation has been amazing. You are amazing. You're such a powerhouse, and it's, it's such a joy to get to talk with you today and learn from you. So thank you so, so, so much for your time. And we are so honored to be making a donation on your behalf as a thank you for your time today to Opportunity International, which works to end global poverty by creating and sustaining jobs while also providing small business loans, savings, insurance, and training to more than 14 million people in the developing world. So thank you so much for choosing that organization to support. And we just wish you the most continued success as you work to change lives for a better world. [00:34:40] Nile Harris: Thank you so much. I enjoyed our conversation. This was so much fun. Thank you for the invitation. [00:34:46] Lindsey Dinneen: Absolutely. Yes. And thank you so much to our listeners for tuning in. And if you're feeling as inspired as I am right now, I'd love it if you'd share this episode with a colleague or two, and we will catch you next time. [00:35:01] Ben Trombold: The Leading Difference is brought to you by Velentium. Velentium is a full-service CDMO with 100% in-house capability to design, develop, and manufacture medical devices from class two wearables to class three active implantable medical devices. Velentium specializes in active implantables, leads, programmers, and accessories across a wide range of indications, such as neuromodulation, deep brain stimulation, cardiac management, and diabetes management. Velentium's core competencies include electrical, firmware, and mechanical design, mobile apps, embedded cybersecurity, human factors and usability, automated test systems, systems engineering, and contract manufacturing. Velentium works with clients worldwide, from startups seeking funding to established Fortune 100 companies. Visit velentium.com to explore your next step in medical device development.

In the latest episode of the Interactive Brokers Podcast, Jon Najarian shares insights on market dynamics, trading strategies, and the geopolitical implications for global markets, emphasizing the importance of strategic options trading and the potential of undervalued Chinese stocks like Alibaba.

In the latest episode of the Interactive Brokers Podcast, Jon Najarian shares insights on market dynamics, trading strategies, and the geopolitical implications for global markets, emphasizing the importance of strategic options trading and the potential of undervalued Chinese stocks like Alibaba.

One of the foundations of our Capitalist system is a rigged Wall Street. Some people make enormous profits from it. When you have executives from companies who buy back shares of their own company raising the price of their shares, that's called trading with inside information. Those executives receive enormous compensation worth millions of dollars for doing that. But far worse is the Options Exchange, which has an estimated value of one quadrillion dollars, larger than the total world domestic production. Do you think outright bribery, falsification, and corruption exist in that size market? MUSIC Howlin Wolf, Joe Cuba, Ryan Amon, Dinah Washington

Scott Fisher, MD is a former college basketball team captain, Joseph Scott Fisher graduated with a BA in Economics from The University of Chicago in 2004 and worked for a year in options trading at the Chicago Board of Options Exchange before matriculating at and subsequently graduating from The Feinberg School of Medicine at Northwestern University in 2009. His General Psychiatry Residency training was also done at Northwestern University before he completed his Child and Adolescent Psychiatry Fellowship at the University of Miami/Jackson Memorial Hospital. He has developed expertise in the treatment of depression, anxiety, bipolar, and attention deficit disorders in his private practice located in South Florida.   In 2018, he completed the Certificate in Psychedelic Therapy and Research at the California Institute of Integral Studies, which included training in MDMA, psilocybin, LSD, and ketamine assisted treatments. He takes an interest in research into psilocybin-facilitated and MDMA-facilitated psychotherapy as novel tools for treating depressive, anxiety, trauma-related, and eating disorders. He is Board Certified in Adult Psychiatry by the American Board of Psychiatry and Neurology.   Dr. Fisher is an integral member of Segal Trials Center for Psychedelic and Cannabis Research, Dr. Fisher serves as a Lead Facilitator for centers' Psychedelic studies. Dr. Fisher is one of only few licensed psychiatrists in the country with advanced certification in Psychedelic-assisted psychotherapy from California Institute of Integral Studies, the only accredited institution of higher learning in this field. Dr. Fisher currently serves as a scientific and psychiatric advisor on multiple advisory boards providing advice on integration and application of Psychedelic-assisted psychotherapy.

Jackie Celske was born in Chicago. Around the age of 4 she and her family including two siblings moved to just outside London England for her father's job. One pretty unique fact about Jackie's family is that her brother, one year younger than she, was born with autism. In one sense, due to the specifics of his situation, Jackie's brother Matt was fortunate as his diagnosis came when he was two years old. However, as with many children with disabilities, including me for that matter, Matt's and Jackie's parents were advised to send him to a home as he could never amount to anything. Jackie's parents rejected that advice. When the family moved to England Jackie went to a girls school and Matt was put in special segregated classes. Jackie's younger sister also was put in a different classroom environment. As Jackie will tell us, she flourished pretty well, but Matt did not. When Jackie was 14, the family moved to a small town in Illinois. For Matt it was a wonderful change because his aunt taught 5th grade and Matt was put into a much more integrated school environment. Life wasn't so great for Jackie. She experienced a brutal sexual assault while in her sophomore high school year. As she will explain, it really wasn't until the past two years that she was able to really move beyond that experience and heal. Jackie went to college and then secured employment. Jackie's degrees revolved around communications which clearly she demonstrates by how she and I interact. Jackie will tell you about her chronic illness that stemmed in part from her assault and how only through the use of an experimental treatment she seems to be in remission or cured. Jackie's latest major step on her life journey is that a month ago she left teaching in a higher education institution and started her own business, The Prose Co. She will tell you about her new marketing and PR agency. Be sure to check it out. By any standard, Jackie is unstoppable. Her story will be well worth your time. About the Guest: Having grown up in London, England with a sibling with Autism, Jackie Celske learned at a young age that the way we communicate matters. She believes the right words heal us, inspire us, and unite us. Most importantly, the right words - the right stories - have the power to change the world. Jackie has spent the last 13 years of her career providing professional marketing, communications, and PR services in industries spanning non-profit and healthcare to financial services, manufacturing, and higher education. No matter the field, she has always been inspired by the stories that highlight the people and purpose behind brands. Three weeks ago, this passion led her to leave her full-time job and start her own business titled The PROSE Co. On a mission to change the world with stories that get write to the heart of it, The PROSE Co. is a marketing communications agency specializing in creating compelling content that connects with your audience and helps you stand out from the crowd. Whether you need advertising and copywriting support, fund development strategies, social media and event management or team-building workshops (and more!), The PROSE Co. is a one-stop shop for all your branding and content needs. Jackie holds a master's degree in Public Relations and Digital Communication from Johns Hopkins University and a bachelor's degree in Communication Studies and Psychology from Augustana College. A relentless advocate for women and other survivors in her community, Jackie participates as a member and past president of Junior League of the Quad Cities, serves on the board of directors for Argrow's House, and sits on both the YWCA of the Quad Cities YES SHE CAN Advisory Committee and Family Resources Stewardship Committee. She also loves spending time learning and growing with her mentee through Lead(h)er. When she's not working, you can find her traveling the world, playing with her rescue doodle, or writing her next parody song. Ways to connect with Jackie: Here is a link to my LinkedIn page: https://www.linkedin.com/in/jacquelinecelske/. Here is a link to my new business website, The PROSE Co.: https://theproseco.com Here is a link to my goFundMe for my experimental medical treatment. It lays out my story in more detail: https://www.gofundme.com/jackies-medical-treatment-expenses About the Host: Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog. Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards. https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/ accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/ https://www.facebook.com/accessibe/ Thanks for listening! Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below! Subscribe to the podcast If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can also subscribe in your favorite podcast app. Leave us an Apple Podcasts review Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts. Transcription Notes **Michael Hingson ** 00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i  capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us. **Michael Hingson ** 01:21 Welcome once again to unstoppable mindset. You know these are really fun things to do these episodes and getting a chance to meet so many people. Today I get to talk to a communications expert and a person who I've gotten to know a little bit since we started chatting and exchanging email several months ago, but Jackie Celske blew me away last week when she said I need to update my bio and all of that because I've just changed I quit my job. I've started my own company. And everything is now different. And I went okay, perfect. Exciting. No wonder we didn't do it before now. So Jackie, welcome to unstoppable mindset. **Jackie Celske ** 02:02 Thank you so much for having me. I'm really excited for our conversation today. Well, **Michael Hingson ** 02:06 we are as well. And I certainly hope our audience is going to be as excited as I am. But let's start with the younger Jackie, you grew up in London. Were you born in England and then grew up or what? **Jackie Celske ** 02:20 No, I actually was born in Chicago, Illinois. Good place. Yes. My well, great other than Chicago sports. I'm a Wisconsin sports fan, ironically. **Michael Hingson ** 02:31 But Wisconsin doesn't have Garrett Popcorn. Oh, that **Jackie Celske ** 02:35 is true. That is true. It's a hard. Ooh, toss up there. Yeah, I didn't spend a lot of time in Chicago. I'm the oldest of three. We my parents had three kids and three years. So we are all really close in age. And thanks to them and their adventurous spirit. They believed that moving halfway across the world with three kids under five and one who was newly diagnosed with autism was a fantastic I DIA and adventure. So there we were, we went from Chicago to just south of London. Actually, we were about 30 minutes outside of the city in the country. And I spent the majority of my formative years there. We were there for almost a decade. So I grew up in all girls school school uniforms. I promise I did have a really great British accent back in the day. I've unfortunately, lost it, which makes my story a lot less cool. But we you could go back and get it. I could you know, it's hard to fake. Sometimes it comes out naturally, but I can't force it. Yeah. I've realized that the hard way. It sounds really silly if I tried to just make it be. **Michael Hingson ** 03:45 So you go ahead. So you you live there until you're but probably close to 15 or so. Yeah, **Jackie Celske ** 03:51 closer to 14. So I moved back to the states, middle of junior high. So talk about shock to the system. And we actually we did not move back to Chicago. So my relatives were all in a very small farming community in Western Illinois. So we moved to the small farming town in the middle of my junior high years. And, you know, I went from all girls school to boys in the classroom who were riding their tractors to school and everybody looking exactly the same. And the whole town being pretty much made up of about five different families. So completely opposite experiences. But I haven't ventured too far from that little community since we moved back. So I now live about 45 minutes 15 minutes north of that little town and have made this area my home since then. **Michael Hingson ** 04:44 So what kind of work did your parents do when you're growing up that cause them to move to England and then back and so on? **Jackie Celske ** 04:54 Yeah, great question. My, you know, we always get asked if my dad is in the military, he was Not he actually worked in finance. So in Chicago, he worked on the Chicago Board of Options Exchange floor and was a stock, an options trader. And so I always forget exactly which job opportunity it was that took him over there. But I think he was offered a originally a one year opportunity to work for a bank, over in the UK, and we went for the year and then my parents just really loved it and ended up staying a lot longer. **Michael Hingson ** 05:28 What's not to love and what a great adventure. It **Jackie Celske ** 05:32 sure was, you know, I wouldn't trade it for anything. I love England, I still try to go back about once a year. I've got a lot of great friends over there. Well, **Michael Hingson ** 05:40 and I'm glad that you, you have friends, you have people that you know, and that you have those memories, and you keep building on them, which is which is really great. But when he moved or when they moved back and brought you are back to the States, was he still doing finance or what did he do? When you guys moved to the little town in Illinois? What town? Was it? **Jackie Celske ** 06:03 The name of the town is Alito **Michael Hingson ** 06:05 Lido. Okay. Yeah. So when you move to Alito, what, what did he do? So **Jackie Celske ** 06:11 at my dad actually quit the work that he was doing at the time. So it was we moved in the year 2000, which, you know, if you're familiar with the stock market, trading floors were becoming obsolete at that time, the, that whole industry was completely changing. So I think my dad was ahead of the curve there a little bit and saw that coming and decided, you know, we just need to make a change. And so and in addition to his job changes, I have a younger sibling with autism. My brother Matt, who is just the coolest person I've ever met, and Matt was in a special school for kids with autism over in the UK, their special education system is drastically different than what we're used to here in the US. And so the conversation opened up to, you know, do we move back here and potentially explore transitioning Matt into mainstream school. And that was how we identified Alito as the place to go, I had an aunt, who at the time was a fifth grade teacher, and Matt would have been going into fifth grade that year. And we decided as a family that it made a lot of sense to help him through that transition with somebody he knows and, you know, familiar family member. And so I think those two things combined lots of things changing in my dad's career and world and just the needs of our unique family. **Michael Hingson ** 07:39 So what did he go into for a career? **Jackie Celske ** 07:43 Oh, golly, that could be a whole other podcast interview. He's, if you think my announcement last week was a shock. My dad's been all over. I think I get a little bit of that from him. But he ended up actually becoming mayor of our little town Alito, for a while while I was in high school. And that took us on a host of other adventures. The Lido actually has a sister city in Spain, a lado Spain and so we were able to go over there and they treated us like we were the president of the United States. It was just the coolest trip of all time, from little dinky Alito, Illinois, but so he he was in politics and local government for a while. He has started a few different businesses. I guess kind of there's been a running theme in the construction world. So he has since now moved to Florida, and received his general contractor's license. So he's running a business down there building really beautiful homes in the southwest area of Florida. **Michael Hingson ** 08:48 And your mom. Yeah, **Jackie Celske ** 08:50 my mom. So my mom while we were growing up was actually a stay at home mom, with everything going on with my brother. She was just the champion for us kids growing up. And in England, the school system is different also. So we had three kids go into three different schools in our lives were just pretty chaotic over there. And then when we moved back here, my mom ended up in higher education. So she actually has her doctorate in instructional design. And so she is is really into all things training and does a lot of advocacy work and she now since they moved to Florida works for their amazing church and their community. We're in Florida today. They are in Cape Coral, which is right next to Fort Myers, right. Okay. **Michael Hingson ** 09:40 I was in Fort Myers speaking a few years ago it's been three or four years but it was a good time of year it wasn't too hot and to humans, so **Jackie Celske ** 09:49 I kept roughly when it's not too hot. **Michael Hingson ** 09:53 Yeah, when the book when the bugs have decided that it's not the great weather it is a lovely place in a good time to be there. **Jackie Celske ** 09:59 Yes. It is I always say I have great vacation spots. Thanks to my family. I've got family in Florida and family in Nashville, Tennessee area. **Michael Hingson ** 10:07 And friends in London and yes, exactly. I **Jackie Celske ** 10:10 know there. You're right. Yes, exactly. **Michael Hingson ** 10:13 So for you, so you have a brother and as your other sibling, a brother or sister, **Jackie Celske ** 10:19 my youngest sibling is a sister. **Michael Hingson ** 10:21 So you have a sister and a brother. That's pretty cool. **Jackie Celske ** 10:23 I know best of both worlds, one of each. And we are all very close. We call ourselves the Celski trio. So my poor brother in law is trying to assimilate into that club, most of his life, and he puts up with us pretty well. We all have our challenges. Yes, yes, for sure. What **Michael Hingson ** 10:41 was it like when you move back to the US as a young teenager in terms of assimilating back into the culture of the US as opposed to what you had experienced in England, **Jackie Celske ** 10:51 it was incredibly difficult. So if you can imagine I had a very noticeable British accent. I had never been, you know, I had a brother, but I had a brother with autism and special needs. And so my experience around boys for preteen boys was very minimal. And the educational system in the UK is drastically different as well, they're a little bit advanced in some ways. So they start school sooner. So I was actually a couple of grades ahead, book wise, if you want to say it that way. But maturity level was the same as any other kid my age. So my parents, you know, what I'm thankful for this did decide to keep me in the grade level for my age, instead of accelerating my education in high school at age, you know, 13 or 14, being too early or too young for that. So I was able to at least hang out with kids my age, but it just was incredibly difficult to be in a place where I stood out so much, I remember we moved in August of that year of so right before the school year started, by Christmas, I had a completely a complete American accent, I just forced myself to change my outward identity very quickly, because it made it difficult for people to see me as me, I just, I was too different. You know, and I think, that experience at an early age. And now also, in my adult years, seeing how I'm treated differently in both countries, when I appear as either American or British. You know, I remember what it's like to be in England as a Brit, and how people treat you and now how they treat me as an American tourist when I go and same here. And so I think I just became hyper aware at a young age that about this, the concept of identity, and this idea of communication and the way we interact with each other and why that matters. And it also happened to be at the forefront of social media and instant messaging. And so I was kind of in the middle of this first wave of digital communication, which was amazing, I was able to stay in touch with some of my friends in England, but I was also being introduced to some of that cyber bullying and that anonymous kind of attack. And it was really easy for people to, you know, have negative comments, or essentially just pick on me as a young kid for what I sounded like, or what I looked like, or the things that I wanted to wear. And you know, I had grown up with school uniforms. So I had no idea. I had no concept of cool clothing I didn't, I had to figure out a whole different way to really express outwardly who I was as a person. And I remember being so excited about my first day of school and Aledo wearing this glittery butterfly shirt that I picked out at Walmart and I had no idea that you absolutely do not buy your shirts from Walmart as a 13 year old kid. So it just was all downhill from there. It was a really, for me, it was incredibly challenging. And I think I struggled a lot more than both of my siblings after talking to them about their experience. They just seemed to assimilate a little bit quicker because they were younger. And some of those preteen cultural norms hadn't really started for them yet. **Michael Hingson ** 14:36 Now you move back, you said in 2000. Yes. Okay. So what immediately comes to mind, I want to come back and talk about Matt a little bit in a sec. But one of the things that must have been in ways you look back on it fascinating, although I don't know whether that be the right word to use or not is. So the next year of course, September 11 happened What was that like? So you and all the folks in Lido? Oh **Jackie Celske ** 15:03 gosh, yeah, that's a great question. I just remember being very scared. You know, we, my parents are very proud Americans and did. As much as I became a very British child, I was also a very proud American child who just happened to live in the UK. So, I mean, we celebrated Fourth of July and Thanksgiving and things over there that are a little bit frowned upon for the typical Brits. But you know, I did have a very lot of pride about being American, even at that age. And despite the fact that I grew up in a different country. And so I think I shared similar emotions, as many of the people in our town and in some ways, I almost think that United that little community a lot more than it had ever been, or at least for a really long time, because that was just one moment in history. I remember us all being the same. United Yes, yes. **Michael Hingson ** 16:12 We're, we're a mirror Americans, generally well respected and, and welcomed, let's say pre 2000 wings, do you think **Jackie Celske ** 16:23 I, you know, in my case, I was a child. So it's a little bit harder to know, for sure. I mean, our friends over there in the UK, were they just welcomed us with open arms. And I had a very positive experience being American over there. I think the area in which we lived was also, it's just very common to have what we would probably call transplant families. So our group of friends were all families who had moved from other countries. And so we were all in some ways, going through the same experiences together, and sharing in those learning curves, or, you know, celebrating our heritage and things together, which was really special. And then moving to small town, Illinois, completely different. There was nobody had really ever left that city, it was almost the opposite. So new people didn't come in and people didn't leave. And so from my experience, and where we just happen to live in the UK, I always had a very positive. **Michael Hingson ** 17:30 Well, I'll tell you why. I'll tell you why I asked the question. The one of my salespeople who I hired why I always say as the best sales guy ever hired, when we were doing product trainings for him at the time, and quantum wasn't international company, the blast, best place for him to go to get the media training to be able to start to really sell or, and he had actually been selling for a while. But then the training opportunity came along was London. So he went over and visited the quantum folks in London. And whenever he would go to a bar, he was a sports guy. So he liked to go to sports bars and stuff. But if he went into a bar, and they discovered they had a Yank in their midst, he said, I was treated like royalty everywhere I went. And, and so you know, I'm curious. And the reason for thinking about all of this was, Do you think that's changed a lot over the years that, that it's any different or people still, probably whatever they were about the same as they were before in terms of dealing with Americans and all that. I mean, our world has just gotten so crazy in so many different ways. I'm just curious to get your perceptions on internationally or in England, if things are different than they used to be, do you think? Yeah, **Jackie Celske ** 18:58 I would say yes. A resounding yes. I mean, I feel the differences when I go over and visit. And you know, I'm obviously very familiar with where I'm going, when I'm over there. I'm not necessarily going as a tourist, I'm going most of the time just to visit people and maybe go back to my favorite places. But I tend to perceive that the Brits think we are just kind of arrogant and annoying and would prefer we just kind of get out of the way and not be there a lot of the times and so with my friend group over there, it's just a running joke and especially with the political climate of our current politics, so yes, that definitely, I think contributes to it. I mean, I will say the last election, my I had several friends saying we're just over here eating our bowl of popcorn watching the US like it's a movie right now. So it's almost as if they don't take us too seriously. But I do think There is respect for the independent lifestyle that we live in some of the autonomy we have in, in our culture over here that they don't always experience over in the UK or in Europe in general. And vice versa, I've learned, I've developed a very deep respect for the way that they value work life balance, that we don't get right here, in my personal opinion. So I agree. Yeah, I think I have the luxury of having exposure to both sides and getting to understand what is really great about both countries, and not everybody gets to experience it that way. **Michael Hingson ** 20:43 So what is it? What would you say the work life balance is like over there as opposed to here? **Jackie Celske ** 20:50 Very healthy, they just value relationships and people in a different way, in my opinion, I they get a lot more time off work, they are nobody there is overworked, which I think can be perceived as almost laziness, sometimes to us. But you know, there's nobody getting physically and mentally unwell from work. I mean, I'm sure there are I shouldn't make extreme claims like that. But the cases of you know, mental health concerns from work or physical. You know, well being issues and concerns that can come from overly stressed workloads, they just don't seem to have that same experience there. And my friends are just always traveling always on vacation, they typically work shorter work weeks, they get much more time off with their kids. You know, both both the women and men getting up to a year off when, after giving birth. A lot more quality time with the people that are important to you. And I, in my opinion, that's really what life is about. You **Michael Hingson ** 22:05 traveled much to other places other than just London or England into other parts of Europe. **Jackie Celske ** 22:10 I have Yeah, I have. And I think you know, it's not true across the entirety. But I've been to probably 10 or more other countries, so. And a lot of my friends from the UK actually live all across the world now too. So I kind of get their indirect experience from the new places that they've moved to as well. Maybe **Michael Hingson ** 22:34 you think about the whole thing that's been in the news occasionally, over the past few months about the whole issue in France, where they want to raise the minimum retirement age from 62 to 64. That's gotten pretty violent. **Jackie Celske ** 22:49 Yes, it has. Yeah. And I don't know what I don't know if I have a specific personal opinion yet. I think I'm still forming that myself. Every I don't. And I also am not as familiar with France as I would be with the UK and how that's all structured. But gosh, yeah, it's just in Europe is interesting, because similar to the US, when you think about how different all of our states are, you know, that's what it's like over there, it's just on a more extreme level, you're not just crossing a border to another state, you're crossing a border to a different world, almost, they speak a completely different language and have completely different cultural norms. And so, within a matter of, you know, hours, you can be in a completely different place that just where people don't think like you act like you talk like you. And that's something that I don't think Americans can really even fathom unless they've left the US, or **Michael Hingson ** 23:48 they don't spend enough time thinking about the possibility. That's the case. And as a result, they're less prone and think, in large part, to understand it. And I know for me, I have a hard time understanding the whole issue of just so you're moving from 62 to 64 is the minimum retirement age. Why is it so violent, but at the same time, I also realize that's a marked difference for them. And it's no different than with anyone else. A lot of times, no matter what we say we really don't like a lot of change. No, **Jackie Celske ** 24:30 I know humans don't really appreciate change. We certainly do. Yeah. Yes, yeah, it's the change is hard. Change is very hard. Yeah. **Michael Hingson ** 24:41 Well, tell me a little bit more about growing up with math that had to have some influence in shaping your life and your outlooks and so on. Having a brother who has autism, what was that like? **Jackie Celske ** 24:54 Yeah, you know, I actually think Matt helped me find My life, passion and my life's work. So his specific diagnosis, I think when he was about two or three, in the early 90s was a time when people didn't really understand autism much at all. And so my mom will recount the doctor saying, you know, your son is going to be institutionalized, and he's never going to do any of the things that you think he's going to be able to do. And my mom just looked at them in the eye and said, No, you're wrong. And **Michael Hingson ** 25:34 where have I heard that story? We'll see, same thing my parents did. Yeah, **Jackie Celske ** 25:40 I remember that. When we first connected I remember you sharing something similar and the power in those words, man when I think about it now. Thank God for my mom. Right. I mean, Matt was very behind at when we were in the UK, he, like I said, he went to a school for children with autism, and most of them were nonverbal. So Matt was developing very slowly, he was nonverbal for quite a while, and then when he did begin to speak, it didn't, you know, it didn't often make a lot of sense, we used a what they call over there Makaton sign language to communicate with him. We had a very, I would love to see one of these now. But we had almost like a digital tablet, from the 90s that had pictures on it. So he could press things that he wanted to, you know, if he wanted french fries that day or something, but he had a lot of the just stereotypical repetitive behaviors. He was incredibly tactfully defensive. And so you couldn't even touch him with the tip of your finger without him screaming. And so my mom, she dedicated her a solid 1015 years of her life, to just care for my brother and find the best resources for him. I mean, she would brush his body with a hairbrush several times a day, she would take him to the movie theater and train him on how to adapt to the overstimulation of the loud sound. You know, we laugh about it now that Matt would only eat Mcdonald's chicken nuggets, we would go to McDonald's and buy like 4020 packs of nuggets and have a freezer full of those chicken nuggets for years. That's all guity. And by he started to show these just magnificent gifts. And one of them was his ability to understand directions. So we would go on a road trip as a family, we'd come home, and before he could even really speak, he would take printer paper, lay it out on the floor. And he would to scale draw out and map out the trip that we had just taken. And I remember, as he began to communicate verbally a little bit more, I remember him just randomly saying things like, oh, you know, there was 34,000 dotted yellow lines on that street that we just drove by. It just hit the way that his brain worked, he would memorize the TV Guide. You know, most people don't remember having TV guys, but you know, those giant thick books that would tell you everything that's on the TV for the month on every channel. And Matt would memorize that. And we could ask him, you know, next next week on Saturday, what is on at 8pm on these three channels, and he would know, he just had a photographic memory. So he could read Yes, he could read. Yes. So he started to to show abilities in his communication that I think were being stunted at the school that he was at. And that was kind of the catalyst for my parents in their decision to you know, he's never going to be pushed and challenged in the way that he needs to be unless he is surrounded by all types of kids, not just kids who have autism. And we need to find a way to get them into mainstream schooling. And so they don't do that. As far as I know, at least in the region we were at in the UK, they that wasn't an option for him with his diagnosis. So moving to Alito, he transitioned at first into fifth grade with my aunt as his teacher and he had a full time aide. And, you know, I remember I remember I was just saying he was tactfully defensive as a child and you couldn't hug him. You couldn't touch him. Well, by the time he was a senior in high school, he was an AB student with no aid, a varsity wrestler. He was the lead in the school musical and just an all around stellar, teenage kid just have All the things that a kid should be doing, you know, you're **Michael Hingson ** 30:03 absolutely right. He needed to be in that environment just stimulating. Yeah. Yeah, it was the musical. **Jackie Celske ** 30:11 He was in well, he was in the musical every year, but he was guest on and Beauty and the Beast. Oh, okay. And he did a great job. He did a wonderful job. **Michael Hingson ** 30:21 Even though he didn't get the girl in the end. No. **Jackie Celske ** 30:23 And he played the wizard and the Wizard of Oz as well, trying to think which other ones but he he would always be in the talent shows. And yeah, he's got perfect pitch is another just wonderful gift with his autism. So his musical talent is just absolutely phenomenal. And he went on to get a four year college degree, and he is just a lovely young man. Now he get a major in music business. Makes sense? Yes. Yes. He's not doing that professionally right now. But he has a lot of interests in that field still. So on the side, he and I dabble in kind of writing songs and making little music videos and mashups, and things just for fun, as well, right? **Michael Hingson ** 31:12 Well, you, you obviously had a lot of challenges to overcome and moving back and just being a teenager and going through all the things that you did, much less Matt, but Matt sounds like, as I would describe it a whole lot more of a blessing than, than a lot of people might think. And so yeah, he had autism. And so what, he's come through it, you've come through it, and it's made a whole big difference in your life and how you look at things, which is really cool. So what kinds of did well have challenges or what major things happen to you personally, as a teenager, and in school, and and growing up? Once you move back? **Jackie Celske ** 31:55 Yeah, I, I mentioned that, you know, Matt helped me identify this curiosity, I would say about communication and words and stories. And, you know, one thing that was really challenging for me moving back to the states, coming from the education system that I was in, I gravitated towards older groups. So as a freshman in high school, for example, my core group of friends were all of the seniors. And that just felt more natural to me, that's kind of at the level I had been at in school in the UK. And so I was hanging out with kids that were just probably too old for me at 13 and 14 years old, and getting exposed to things at too young of an age, not that kid should be exposed to anything bad as a teenager, but just hanging with the crowd that I shouldn't have been with yet. And unfortunately, as a sophomore in high school, I found myself at a party with some friends and was we still don't know a lot of the details about that event. But I remember waking up, away from the party away from my friends, I had been drugged with something and was very brutally sexually assaulted that evening by multiple people who know me and knew me well enough to drop me off at my house at the end of the evening. **Michael Hingson ** 33:25 Even though they did what they did, yes, **Jackie Celske ** 33:27 yes. And so that for me, that was the turning point in my life. And I honestly would say I would say, I'm not sure I've, I really even began to fully wholly heal from that until about a year or two ago. It just changed the trajectory of, of everything for me. And the first time I talked to an adult about it, you know, the words were basically, I don't believe you. And you know, I talked about the power of words. I mean, those words changed the trajectory of the next several years for me as well. And so I found myself pretty shortly after that event, just having really extreme physical medical challenges that were unexplainable. I was at the doctor all the time, I was getting sick all the time. And it wasn't until I was 19 when I had a part of my intestines collapsed, so I needed a pretty immediate surgery. And the doctor asked my mom to leave the room. And it was that doctor who actually asked, all right, what has happened here because we don't see internal damage like this. In somebody or age and less. There's been a lot of trauma. And that was the first time I really started opening up so that had been three years. **Michael Hingson ** 34:56 What were your parents thinking or thoughts about it? So **Jackie Celske ** 35:00 I, my mom knew a little bit, my dad actually did not even know me. I never shared it with him until I was in my 20s it was a very difficult thing for me to talk about. And I, like I said, when I started to speak up, it was not well received, I was not getting the support I needed, I was not given access to resources to heal and get help. And so that just really shut me down. And my coping mechanism was to just, you know, get involved in everything in school and be tried to be the perfect student and the perfect teenager and the perfect big sister and I just distracted myself with all of those things in life, and my physical health became such a distraction, honestly, that I didn't understand the connection between the mental health aspect of what I had gone through, and how that was impacting my body, on a physical level for many, many years, and my family was amazing at supporting me and getting the help I needed physically. But we just didn't connect the dots for a really long time. And it took a lot of really hard years and multiple surgeries and multiple doctor visits and trips to different medical systems to really figure that out. **Michael Hingson ** 36:33 And I would imagine no more parties for Jackie for a while. No, **Jackie Celske ** 36:37 no. Yeah, it was. It, you know, in some ways, I remember every detail of the event. And in some ways, I don't it's, they I've learned now that that's really common for sexual assault and trauma survivors to remember very specific details, but not the actual moment of the. So I've written a lot about that and spoken a lot on that. As part of just my advocacy and awareness, **Michael Hingson ** 37:07 and your healing, yes to talking about it helps. And I mean, I, it's not my place to make you just talk a lot about it. But talking about that kind of thing, or whatever goes on in your life always has to help. I know that. And I love to say this that I chose to let people interview me after September 11. And I believe that I did so much better by allowing the media to come into our home and ask me questions, because I got to ask all sorts of questions, some even really intelligent questions, but a lot of questions just about September 11, and anything you could possibly imagine. And occasionally, even now, I'll get a question that I have been asked before, but it doesn't happen very often. But still talking about it was the best thing. **Jackie Celske ** 38:00 Yeah, it's I, I'm a big advocate for either writing or, or verbally talking through your story. For me, support groups. And that kind of community was the best way for me to do that. Because I could sit in a room. And if I didn't feel like speaking, there was still someone next to me, who had a similar lived experience and their words often helped me process, what was going on in my brain. And you know, maybe they were at a different stage of that processing than I was. And so listening and learning from what worked with other for other people, was a huge healing step for me. And that's why I'm just such a big advocate for stories and words. Now, I mean, words are so powerful. And the stories we tell are so powerful, and they're, they're what bring us together. They're what, you know, we said at the beginning, it's what unites us it it's what makes us better, more self aware human beings. And we just go about the world as better people that way. And **Michael Hingson ** 39:07 I'm a firm believer that everyone has a story to tell. And sometimes people save when we discuss them coming on the podcast. Oh, my story isn't interesting. It's just like everybody else. And I said, No cheer story. And sometimes they'll not want to come on. They just don't want to get past that. But I've been blessed that lots of people do come on and tell their stories. And the reality is everyone's story is different. And my job is to help people communicate and tell their story and help to inspire because I think that most of us could be a whole lot more unstoppable than we think we can and I mean that in a very positive way in stories help that. **Jackie Celske ** 39:46 I 100% agree and honestly, that was what made me really excited to be on your podcast because I have not written a book. I have not founded a nonprofit. I have not On on to transform this trauma into something above and beyond, I have just learned how to find my own purpose in it, how to heal so that I am the best version of myself. And I just choose to, you know, use it as part of the one chapter in how I got to who Jackie is today. And I haven't done anything more than that with it. And I think that's an equally important for people to hear. Because you know, there are people out there doing amazing things from the trauma that they've experienced in life. But it's also amazing, to just keep going, and to survive through it and to be on the other side of it. And to keep learning about yourself and learning about what helps you feel better, and how to help other people feel better, that is equally amazing and powerful. So it's not about what you do to change the world. You know, in a big grandiose way we can change the world, in our own small ways every single day when we choose to take care of ourselves. **Michael Hingson ** 41:13 And amazing is such a sometimes overly used word. And the fact is, what you just said is absolutely correct. It doesn't need to be that amazing as well. Because you go out and you speak and you do all sorts of different things to tell the world about what you do or don't do. Ultimately, it's how you feel it's in your brain that really matters in the fact that you're able to move forward. And also, I think it's it's good that you recognize that, that it's really how you approach it and how you feel with it. And that the amazing part is that you do it. And it's something that we all ought to learn a lot more about, and grow to understand. Yeah, **Jackie Celske ** 41:57 I think so too. I've listened to several of your guests, interviews, as well. And I've learned a lot from their perspective and experiences to on just different resources or different tips and tricks on you know how to minimize stress or how to focus on, you know, I listened to I think it was Jennifer's interview that was a day or two ago. And I also tried EMDR. And I was listening to her experience with EMDR. And how it was it was different from mine. And that was really interesting to me to just know that we both benefited from it for different reasons. And, and she goes and shares that as a resource to other people. And I do the same. And so it's those small moments of exchange in those small stories, I think that are the most impactful. **Michael Hingson ** 42:42 Yeah, I talked with someone just yesterday about sound wellness and how different sounds affects us. And what affects some of us one way with a particular sound or set of sounds is totally different to someone else. Like I'm not a great fan of heavy metal, and that kind of music. But some other people are. And that's okay. I can appreciate it. It is still whether I like to think so or not. Heavy Metal is music, and I appreciate that it's music. It's different than what I like, but that's okay. **Jackie Celske ** 43:18 Yeah, exactly. We just need to be okay with it being okay. Right. That's, that's the lesson I think **Michael Hingson ** 43:25 I haven't really totally come to grips of thinking that rap is music in the same way that heavy metal and other kinds of music or music because it's so much more talking. And yes, there's a there's music in the background. But the main part of it isn't necessarily singing. But that may be me. And it may be that the definition of music is just changing from what it used to be. But I'm, I'm still working on that. **Jackie Celske ** 43:50 Well, you'll have to hang out with me a little bit more because I like to write parody rap songs for fun. I've been known to do a surprise parody rap speech or for internal communications, messaging it at work or something, I will dress up and help communicate a message in a very unique and memorable way just for fun. And so I think, you know, I've never been a fan of rap myself. But getting to put a little jakie twist on it like that has made me appreciate it and have a lot of fun with it. **Michael Hingson ** 44:22 I think rap is absolutely an art form. I'm just not sure that I would classify it as music. I think it's an art form. It's a wonderful art form. I've listened to some rap, you know, rap songs or rap music or whatever you want to call it. And clearly the people are very intelligent. They're talking about their life experiences, and are doing it in a very articulate way. So I think it's an art form. I'm just not sure I put it in the category of music as such. **Jackie Celske ** 44:50 And that's where words matter, right? Whether it's music at all. Yeah. **Michael Hingson ** 44:58 It does. Well, you been through a lot? What kind of advice would you give to someone who's maybe been through some of the kinds of things that you have? Whether they've gotten the support or not? What would you encourage people to do to help them move through some of this stuff a little bit more effectively? **Jackie Celske ** 45:14 Yeah, that's an excellent question. I think, to me, it always depends on where you're at in your journey. I think if you are actively surviving something really hard, right? Now, then, first and foremost, you need to take care of yourself, and you need to sleep and you need to eat well, and you need to get some exercise and all the basic foundational things to just keep yourself well. And give your body and your mind the best chance at making it through the challenge ahead of you. I think if you are somebody who is, you know, maybe a little bit further along the journey, and just wants to continue healing and continue growing, I am a huge believer in practicing gratitude. And, you know, again, I think somebody recently on your podcast was talking about morning and evening routines and making intentional time in the day to stop and just appreciate the good that is happening around you. However small or however big. I'm a huge believer in the power of humor, I think the ability to laugh at ourselves is what humbles us, it's what makes stories and human connection a little bit more approachable when we talk about hard subjects like this. So, you know, for me, I battled this autoimmune disease for almost 20 years after that sexual assault that I really am only just now, realizing what that is, and what that means. But one of the organs that was significantly affected was my bladder. And so I genuinely used to pee my pants, quite often, I used to have accidents at work or in professional settings. And I just had to laugh about it. And it, it became something that, you know, my friends and peers and co workers could ask about because it was I made it a safe thing to talk about. And when I had an implant put on my spinal cord to help regulate some of those issues. I named him Pedro. So that when I started talking about Pedro, people would say, well, who's Pedro, and then it would open a conversation, right, so that I could approach really tough subjects. But, you know, I love I love the power of humor, and jokes. And so if you think about the word humor, and humility that both of those words, actually the origin is the same, and it comes from humanity. So when you want to go back to the power of words, you know, those are two powerful words right there. It's what our shared human experience is all about. So and then I guess, ultimately, I would always encourage people to just find ways to mitigate and control and minimize your stress. If I've learned anything, in the last couple of years, or even the last couple of weeks, with some of the big life changes I made, it's that the energy you surround yourself with is really important. Whether that's the people or your work environment, your home and where you live, just making sure that you're creating happy spaces for yourself and safe spaces for you to be yourself where you can be vulnerable. When you need to be when you can be authentic, and your true self and your best self. I think that is really important. **Michael Hingson ** 48:38 You went off to college, and you learned a lot about communications, and certainly learned a lot about how to interact with people. And that certainly has to help shape some of your thinking. But you you have come a long way in in your, your journey in terms of getting better and improving and so on. But you You keep saying especially in the last couple of years, how come so much so quickly lately? **Jackie Celske ** 49:07 Yeah, great question as it again, probably a podcast interview all on, its on its own, but I can shorten it to the best of my ability. So early in 2022. Actually, my medical condition was deteriorating really quickly. So I mentioned I had what we understood to be at the time, actually a neurological disease. So for about 20 years, my doctors were suggesting that I had something wrong with my nervous system. And we were treating it as such. So I would have days where my legs would not work or certain organs would be shutting down for no reason, no apparent reason and it wasn't until early 2022 I just became so sick and so unwell that my doctors here locally who had seen me for about 16 years, threw their hands up in the air and we're out of ideas and I did not know what the next step was going to be. So I decided to quit my job here in Iowa, I moved to Florida where to be with my family. And I just prayed that I would find a new doctor down there who might have a different idea. And man did I get lucky I was at such a point of desperation I had, I've found one doctor down there, we tried a couple additional surgeries. So I had two surgeries and 2022. And the implant that I had on my spinal cord was replaced in hopes that that would maybe make a difference. It did not. And so I found myself calling doctors to try to have organs removed. I mean, I was at a very desperate level, just not well, and I came across an article in a medical journal, about a woman who sounded very similar to me. And she was claiming that she had been cured by this doctor by this experimental treatment. And so I called their office completely in tears. And he, I understood him to be a leukemia doctor, so he specialized in bone marrow transplants, and I just thought, you know, he's not going to see me, I don't have cancer, this isn't going to work out. And to my surprise, they, he and his receptionist are both from the UK, ironically. And we just bonded over the phone about that. And they said, You know what, come on, in we, we would love to speak with you. So I drove about three and a half hours to the other side of the state of Florida and met with his team. And he was able to do some testing on my immune system. It was the first time in about 20 years that any doctor had identified on paper, what was actually wrong with me. So my immune system had been so severely damaged from all of the trauma and all of the stress that my body had been under for the last two decades, that it had aged to the point of, you know, I should have been about 90 to 100 years old with what the data was showing. So all of the illnesses I was acquiring inside my body had nowhere to go, my body wasn't fighting them. And then those, that bacteria that those viruses were living in my nervous system, which is what was causing all of the physical symptoms I was experiencing. So he offered to try the experimental treatment. But you know, obviously, we couldn't guarantee it would work. But it was a combination of infusions and injections for multiple weeks at a time. So I would get a PICC line put into my arm, similar to chemotherapy type treatment. And I was all on board. The only challenge in my way was that, of course, insurance did not cover it. And it was going to be a crazy expense for me and my family. And we decided, You know what, let's just tell Jackie's story. And let's see what happens. And this just beautiful community was formed around me sharing my story, and we were able to raise, I think we're up to about $45,000 in my GoFundMe, my friends back home hosted a benefit for me, and we raised another 10 or so $1,000 to help me pay for that first round of treatment, which cost a little over 80,000 the first time. And that was the biggest blessing I could have ever asked for because I came out of that treatment with almost all of the damage to my immune system reversed. And unfortunately, we just we couldn't do any more at the time financially. So I was feeling a lot better, I decided to move back home. And what we found was that because we didn't complete the entirety of the treatment, I just continued to regress after moving back home. So earlier in 2023, March, I went back down and we completed another round and we extended it this time. So I had to take a second mortgage out on my house to make that happen and you know, make a big gamble on myself, but it paid off because going for that extra amount of treatment, we were able to hopefully knock on wood permanently reverse the damage in my immune system. And it has so far cured me of almost all of the physical impairments that I had been battling for about 20 years. **Michael Hingson ** 54:28 On top of everything else you decided to go off and start your own business and quit what you're doing before What were you doing and what did you quit? Yeah, 54:37 I did. So I like I said I was kind of in and out. I went from Iowa to Florida. I went to Florida over the last year and a half and so I moved back to Iowa for a while and started a job in higher education. discovered pretty quickly that that just was not for me. The particular culture of the place that I worked was a I'm very toxic and very unhealthy. And I started to develop stress and do seizures and other symptoms that were, you know, a clear sign that my body was not going to be well in this environment. And so I, in talking to my family and loved ones, I remember saying, you know, everyone was encouraging me to leave, I kept thinking, wow, that looks bad, I've been putting jobs right and left, I'm not sticking around anywhere very long. I don't have a plan B. And somebody just said, Well, you have to be alive to have a plan B. There you go. And it was those words, again, going back to the power of words, that convinced me that I just, I needed to make a change, and I would figure it out. And so that's what I did. I went in and quit pretty much the next day. A couple days later, I incorporated my own LLC, the PROSE, CO, and PROSE, which means written and spoken language. And I started my own communications and marketing firm. And now I'm a month into that, actually, this week will be an official month of full entrepreneurship. And I have already, you know, replaced my full time job income. And I'm already doing full time work with a host of different clients, wonderful, awesome clients that believe in me and chose to take this leap with me. So it's been an exciting couple of months. **Michael Hingson ** 56:28 That is really exciting. And so what what are you doing for customers now? Exactly? Yeah, 56:36 great question. So I chose the PROSE CO. A, because PROSE stands for basically communication. But PROSE is also an acronym for the different services that I provide. So P would be promotional communications, which was everything from website content, advertising and events. Are stands for relational communications. So for my nonprofit clients, that's a lot of fundraising and stewardship strategy. For others. It's more public and media relations. O stands for organizational. So that's all things internal communications, from newsletters to change management, we laughed earlier about how difficult changes, helping to navigate that for some of our clients from a messaging standpoint, S is social media. So I do a lot of social media management, community management. And I love analytics. So diving into digital analytics is kind of my my thing. And then E stands for executive. So anything that we we call it transformational or inspirational. So I do everything from speech writing, to strategic planning, and brand strategy workshops. And I keep saying there's just a giant plus sign on the end of that too, because already in my short month, I've had a lot of custom projects pop up that weren't in that original scope that I had designed or imagined. So it's just kind of ever evolving right now. But mainly, you know, the miss the mission of the Prosecco is to change the world through stories. That's what I want to do. And anything that's going to help tell a client's brand story and help engage their clients in a way that goes beyond just creating a positive affinity towards that brand. But transforming that into some sort of action and change that's going to move that mission forward is really ultimately what my goal is with this company. **Michael Hingson ** 58:32 And you certainly have done something major to get rid of a lot of stress over which you don't have any control over, you're going to have challenges because you're going to have deadlines, and you're going to have people who want different things. But you are the one who set that up, which makes it just so much better than stress in an office environment where as you said, it can be very toxic. **Jackie Celske ** 58:56 Yes, it sure does. I, you know, it's a little bit more, there's new challenges, right, which is kind of the fun of it. But it's I'm asking myself silly things like do I want to just wear pajamas today? Or do I want to put normal pants on and go to the coffee shop, but it's it's a little bit of a different level of stress. But, you know, ultimately, I I want to provide the top quality service to clients that I can. And I'm very fortunate to have a great network, the community that I live in, where there's several other freelancers. And we've all started partnering together so that we can still provide a full service agency experience, just at a lesser cost for clients essentially without that overhead. So it really does feel community and team driven, which is not what I was expecting branching off on my own. I thought I would be giving that part up and it almost feels like I've gained more of that than I had before. And it also feels like we're really solving problems and we're really meeting a need in our commune. Any that maybe wasn't there before. So it's, it's exciting to be a part of it. **Michael Hingson ** 1:00:03 That is super cool if people want to reach out to you and learn more about pros CO and maybe, hopefully work with you and use your services and so on, how do they do that? And how do they reach out to you and learn more about you, I 1:00:16 would love for people to reach out and just connect at a minimum share your stories doesn't have to be for business purposes, formally, but my website is the proseco.com I keep joking that it's basically the prosecco.com without the extra c, because I do love my Prosecco and wine. So it's a good fit. But there's a contact form on there. If folks want to reach out and just get connected there. They can also email me info at the pros wcco.com Or feel free to look me up on social media. I'm, I'm on most of them. And I'm Jackie Celske, I think I'm the only one in the world. So I'm pretty easy to find whether that's a good thing or bad thing. So selfkey is spelled C E L, S K E. **Michael Hingson ** 1:01:02 So its J A C K I E C E L S K E. Yes, perfect. Well, this has been absolutely wonderful. And I am so glad that we finally made connections. And if you want to come back on in the future, and continue the discussion and tell more of the story, whether you write a book or not, we're glad to have you come back on but I bet one of these days you'll decide to sit down and write it or find someone to help write a book and and help inspire other people. But whatever you do, you've already done such amazing stuff. And you've been so committed to making it happen. And that's as good as anybody could ask for. So I really appreciate you being on and giving us so much of your time. Well, **Jackie Celske ** 1:01:47 thank you so much. I think yeah, I've surprised myself in the last few weeks and months for sure. So who knows, I might surprise myself and do something like that one day, we'll **Michael Hingson ** 1:01:57 see. If you want to talk about it ever. Don't hesitate to reach out. **Jackie Celske ** 1:02:01 I thank you very much. And thank you for the platform and opportunity to just be part of this community that you're building. It's it's been really special to me. So thank you. Well, **Michael Hingson ** 1:02:09 this has been fun. Well, I hope that you've enjoyed listening to us and that you enjoyed everything that Jackie had to say I'd love to hear from you. Please feel free to reach out you can email me, Michaelhi m i c h a e l h i accessibe A C C E S S I B E.com. Or go to or and go to our website, www dot Michael hingson H i n g s o n.com/podcast. Check out more episodes if you're new. And if you've heard a bunch you can always go find them there easily anyway, we really appreciate it. Wherever you're listening, please give us a five star rating. We all do appreciate that. And we do really want to hear your thoughts. And Jackie for you and all of you listening if you know of anyone else who we ought to have as a guest on unstoppable mindset, bring them on, we'd love to hear from other people. And we'd love to bring more people on and help inspire and motivate all of us because that's really what it's all about, and having fun. So you can't do better than that. But Jackie, once more. I want to thank you for being on and hope we can do this again.  **Jackie Celske ** 1:03:15 I would love that. Thank you so much.  **Michael Hingson ** 1:03:20 You have been listening to the Unstoppable Mindset podcast. Thanks for dropping by. I hope that you'll join us again next week, and in future weeks for upcoming episodes. To subscribe to our podcast and to learn about upcoming episodes, please visit www dot Michael hingson.com slash podcast. Michael Hingson is spelled m i c h a e l h i n g s o n. While you're on the site., please use the form there to recommend people who we ought to interview in upcoming editions of the show. And also, we ask you and urge you to invite your friends to join us in the future. If you know of any one or any organization needing a speaker for an event, please email me at speaker at Michael hingson.com. I appreciate it very much. To learn more about the concept of blinded by fear, please visit www dot Michael hingson.com forward slash blinded by fear and while you're there, feel free to pick up a copy of my free eBook entitled blinded by fear. The unstoppable mindset podcast is provided by access cast an initiative of accessiBe and is sponsored by accessiBe. Please visit www.accessibe.com . AccessiBe is spelled a c c e s s i b e. There you can learn all about how you can make your website inclusive for all persons with disabilities and how you can help make the internet fully inclusive by 2025. Thanks again for Listening. Please come back and visit us again next week.

On this episode, Mark, Dan and Matt Amberson discuss what is dispersion trading and the launch of the new DSPX Index from Cboe Global Markets. They also talk about the new 17th options exchange in the US - the Member's Exchange. And, they suggest how to approach earnings season when trading options.   

On this episode, Mark, Dan and Matt Amberson discuss what is dispersion trading and the launch of the new DSPX Index from Cboe Global Markets. They also talk about the new 17th options exchange in the US - the Member's Exchange. And, they suggest how to approach earnings season when trading options. 

Strap in for an energetic journey through the financial cosmos with our seasoned guest, Steve Miller. With a staggering half-century tenure in trading, Steve provides an intriguing look into his voyage from a market maker on the Chicago Board of Options Exchange to forging his distinctive trading business. His unique perspective on the seismic shifts within the industry due to no commission trading is a riveting exploration into the ever-evolving world of finance.We guide you through the twists and turns of the commodity market, taking a deep dive into the oil and industrial metal markets and the gold cycle. We'll uncover the secrets of Bitcoin and cryptocurrencies and delve into the peculiar market correlations observed in this cycle. Steve draws on his vast experience to reveal detailed insights into the Federal Reserve's actions and their consequences on the economy and markets over the past two decades. He generously imparts wisdom born from personal trading stories and emphasizes the critical role of mental resilience in trading.As we navigate through our analysis of the natural gas, gold, and silver markets, Steve fashions a roadmap of his investment strategies and ventures bold predictions about potential top performers. We'll also discuss the evolution of trading tools and membership services and how they've changed over time. Our journey ends with an emphatic nod to the importance of cycle analysis for successful trading. So whether you're a novice or a seasoned trader, this illuminating conversation with Steve is a treasure trove of insights you shouldn't miss!ANTICIPATE STOCK MARKET CRASHES, CORRECTIONS, AND BEAR MARKETS WITH AWARD WINNING RESEARCH. Sign up for The Lead-Lag Report at https://theleadlag.report/leadlaglive and get 30% off as a podcast listener.Nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. The content in this program is for informational purposes only. You should not construe any information or other material as investment, financial, tax, or other advice. The views expressed by the participants are solely their own. A participant may have taken or recommended any investment position discussed, but may close such position or alter its recommendation at any time without notice. Nothing contained in this program constitutes a solicitation, recommendation, endorsement, or offer to buy or sell any securities or other financial instruments in any jurisdiction. Please consult your own investment or financial advisor for advice related to all investment decisions.Support the show

This week has brought more volatility across the US and European wheat markets.On 3rd November, London International LIFFE (Financial Futures and Options Exchange) closed at £200.50/t. Since then, London futures traded in a £7.05/t range between £205.00/t and £197.95/t before closing last night at £201.05/t.MATIF (Marché à Terme International de France) followed a similar pattern, closing at €240.00/t on 3rd November. Futures traded in a €8.25/t range between €245.00/t and €236.75/t before closing at €239.75/t last night.Across the Atlantic, Chicago Board of Trade (CBOT) closed at $6.164 per bushel on 3rd November. It then traded in a $0.29 range between $6.082 and $6.372 before closing out last night at $6.220.During current intense volatility, markets can move significantly - sometimes in a matter of minutes and outside regular hours. Our MyFarm platform is free to Frontier customers and offers 24-7 access to market information and live grain prices, as well as the option to sell grain at a time that's more convenient. Find out more: www.frontierag.co.uk/myfarminfoFor other topical updates and advice from our experts, subscribe to our blog: www.frontierag.co.uk/blog/subscribeFollow Frontier Agriculture on Twitter at www.twitter.com/FrontierAg Hosted on Acast. See acast.com/privacy for more information.

Derek Moore and Jay Pestrichelli, CEO of ZEGA Financial, talk through the recent CBOE analysis on impact of 0DTE options. Contrary to popular belief, 0DTE options may not be causing imbalances according to the data. Plus, explaining how cash settled (European) style options differ from American style where you can be assigned (or auto exercised). How short puts can mirror covered calls. Not surprisingly, Jay and Derek get detailed into some of the similarities. Plus, is inflation coming back after the CPI report and the recent push higher in oil prices? How a strong US Dollar impacts companies and how the price of the new Apple iPhone is more expensive around the world. Finally, some recommendations and a Tim Tebow Johnny Manziel comparison.   What CBOE (Chicago Board of Options Exchange) data says about 0DTE options Evaluating net buyers vs sellers of 0DTE options How CBOE data on 0DTE options seems to indicate more balance in positioning What is the difference between cash settled index options and American style options? How cash settlement differs from getting assigned or auto exercising into underlying shares Comparing the structure of covered calls with selling ITM in the money cash settled puts. Comparing risk of owning shares and selling covered calls vs selling cash secured puts How a strong US dollar impacts multinational corporation's earnings. Using the new Apple iPhone as an example of strong dollar impact to prices around the world Latest CPI (Consumer Price Index) came in hotter than expected. Is inflation making a comeback? How rising oil prices can impact inflation given its place in the CPI. Using the 1994-95 example of higher rates with a rising market Are people too worried about higher rates? Existing US mortgages are still primarily at much lower rates. Tim Tebow vs Johnny Manziel statistical comparison     Mentioned in this Episode:   Implied Volatility Deep Dive | Real Interest Rate Yields | The Big Short | Tesla vs Nvidia https://podcasts.apple.com/us/podcast/implied-volatility-deep-dive-real-interest-rate-yields/id1432836154?i=1000627400400     GameStop Short Squeeze by the Reddit Wall Street Bets Traders Explained https://podcasts.apple.com/us/podcast/broken-pie-chart/id1432836154?i=1000507187446   The Big Short Movie and Credit Default Swaps Explained https://open.spotify.com/episode/6FG0xHkxfhSXEtbJbFbDF6   Margin Call Movie and Understanding Value at Risk https://open.spotify.com/episode/2XJ58KAoQKw2sdC48KHyPp   Recession Predictions Still Wrong? | Synthetic Options | Unemployment Anomalies | Oil Prices Breakout https://podcasts.apple.com/us/podcast/recession-predictions-still-wrong-synthetic-options/id1432836154?i=1000626691109   0 DTE Options No Problem? | Jay Powell's Wyoming Speech Points to More Interest Rate Hikes? https://podcasts.apple.com/us/podcast/0-dte-options-no-problem-jay-powells-wyoming-speech/id1432836154?i=1000625845803     Jay Pestrichelli's book Buy and Hedge https://amzn.to/3jQYgMt   Derek's new book on public speaking Effortless Public Speaking https://amzn.to/3hL1Mag   Derek Moore's book Broken Pie Chart https://www.amazon.com/Broken-Pie-Chart-Investment-Portfolio/dp/1787435547/ref=sr_1_1?keywords=broken+pie+chart&qid=1558722226&s=books&sr=1-1-catcorr   Contact Derek derek.moore@zegafinancial.com   www.zegafinancial.com

"AI is going to change the world, and that means every company that employs AI, and everyone is going to have to employ it is going to have some measure of success with it. And those that do have more than a measure of success are going to do exceptionally well," - Shah Gilani Today, on “The Wiggin Sessions,” we sit down with Shah Gilani, to discuss how to navigate the evolving landscape of the financial markets and the AI disruption. Shah Gilani possesses an unparalleled financial background. Beginning his career as a market maker on the Chicago Board of Options Exchange, he played a key role in developing the Volatility Index (VIX). With extensive experience in top financial institutions Shah serves as the editor of Hyperdrive Portfolio, offering subscribers the potential for remarkable gains. Catch Shah on CNBC, Forbes, and MarketWatch, as well as Fox Business's "Varney & Co." Shah shares his expertise on a range of topics, including the role of the Federal Reserve in shaping the financial market, and the potential consequences of selling treasury bills, the impact of remote work on commercial real estate, the ripple effects of AI-driven algorithms on trading strategies, and more.   Listen in as Shah provides insights into three specific investment options as well as his predictions on the future of energy markets, the real estate sector, and the banking crisis. Whether you're seeking to refine your investment strategy or stay ahead of market shifts, tune in for Shah's actionable insight. Don't forget to join the sessions and get access to our new special report called “The Anatomy of a Bust” about the banking crisis of 2023. Key Takeaways The implications of recent debt ceiling passages on financial markets The role of AI in reshaping trading strategies and market dynamics Navigating the potential impact of Treasury bill sales on investor portfolios The key to weathering market shifts and mitigating risks Shah's insights into the interplay between rising interest rates and inflation Why it's vital to understand the FDIC Coverage Limitations (and the "FDIC put") How the banking crisis could lead to a collapse of credit The future of energy markets considering the climate-friendly solutions Shah's predictions for the real estate market and potential challenges brought by remote work The impact of the recent credit rating downgrades What the AI disruption means for investors and the future of trading How narrative-driven investing is influencing market sentiment and trends Shah's predictions for the long-term outlook for markets Connect with Shah Gilani Shah Gilani Connect with Addison Wiggin Consilience Financial The Wiggin Sessions on Facebook The Wiggin Sessions on Instagram The Wiggin Sessions on Twitter Resources Hyperdrive Portfolio The Anatomy of a Bust Sign Up for The Wiggin Sessions The Wiggin Sessions - YouTube Share the Wiggin Sessions on Apple Podcasts JOIN THE ESSENTIAL INVESTOR TODAY!

On August 19th of last year in Episode 50 of Unstoppable Mindset we all got to hear an Interview with a brand expert, Ben Baker who was introduced to me by a colleague. The circle now continues as this time I get to talk to Catherine Altman Morgan who was suggested as a podcast by, you guessed it, Ben Baker. Catherine is an author; coach and we all get to hear what else. She grew up in New York City. She lived two years in North Carolina and then moved back North to New Jersey. She attended Vassar College and graduated with a B.A. degree in Psychology.   As a young person just out of college she took the suggestion of her father in Chicago and moved there to work at the Chicago Stock Exchange which she did for five years. She then moved back to New York because she realized that as a phone clerk at the stock exchange, and since she wasn't great at math, she wasn't going to make much money. Her next job was as a market analyst at a Technical Analysis software company in New York. She sold and supported trading systems since she knew how to talk to and work with stock traders. She did that for a bit then moved to a company back in Chicago doing the same kind of work. Through work with several firms she continued to do similar work as well as risk and flow analysis.   In 2010 she quit working for other companies and formed her own coaching firm, Point A to Point B Transitions Inc.  During our interview Catherine provides many insights about job searches, how to seek a job in today's technological world and how to interact with prospective employers. Lots of good information to hear whether or not you are looking for a job. Catherine shows us that we can choose to be unstoppable and move forward. Her advice is sound, but even more important, she is not just talk. Her coaching firm has helped many, job seekers or not. I hope you will check it out. Finally, just wait until you hear the news about her newly published book “This Isn't Working”. Not going to give the news away.   About the Guest:     Catherine Altman Morgan is an award-winning career transition expert who has been coaching clients and colleagues through job and life transitions for more than 20 years. Catherine is the author of the recently released book, This Isn't Working! Evolving the Way We Work to Decrease Stress, Anxiety, and Depression. She also speaks on topics related to career transition, workplace mental health, and small business/entrepreneurship.   Catherine graduated from Vassar College with a B.A. in Psychology. Before starting her consulting business in 2010, Point A to Point B Transitions Inc., she was employed by KPMG, Arthur Andersen, and Deloitte. She also has been a contractor for Protiviti, Navigant Consulting, and RGP.   With a background in job search, career transition tactics, and business strategy development, Catherine works with clients who have been laid off, believe their situation is unsustainable, or find that whatever they've been doing isn't working for them anymore.   Catherine's clients have frequently experienced a perfect storm of challenges in their life, including a layoff, health diagnosis, death in the family, divorce, extended time in transition, or financial collapse - often several at the same time. Catherine and her team work with the whole person to get them relaunched.   Links for Catherine:   Facebook business https://www.facebook.com/PointA.PointB Facebook personal https://www.facebook.com/tapcat LinkedIn https://www.linkedin.com/in/pointatopointb/ Twitter https://twitter.com/PointA_PointB Website https://www.pointatopointbtransitions.com/     About the Host: Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog.   Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards.   https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/   accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/ https://www.facebook.com/accessibe/       Thanks for listening! Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below!   Subscribe to the podcast If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can also subscribe in your favorite podcast app.   Leave us an Apple Podcasts review Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.     Transcription Notes Michael Hingson  00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i  capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us.   Michael Hingson  01:16 Well, hello, once again, I'm really glad you're here to attend and listen to another episode of unstoppable mindset. Today, we get to interview Catherine Morgan and I met Catherine through another guest that we had on the podcast some time ago, Ben Baker. And Ben said you ought to talk to Catherine and we chatted and it just seemed like it made good sense to bring Catherine on and she's got some new news to share with us in the course of the day. But Catherine is an author. She's a speaker, she does a lot of different kinds of things in terms of coaching and teaching. And we'll get to all that. So Catherine, really, I really appreciate you being here and welcome to unstoppable mindset.   Catherine Morgan  02:06 Thank you so much for having me, Michael.   Michael Hingson  02:10 It's a pleasure to have you here. Well, let's start. Like I always like to. I got it from an Alice in Wonderland TV show once at the beginning. So tell us about you growing up and a little bit just about your life and, and all that and how you got to where you are, or at least got to somewhere?   Catherine Morgan  02:29 Sure. Well, I started my early childhood in New York City. Very, very happy city girl. I was there till I was about 10. And then we had a little detour to Blowing Rock North Carolina, which couldn't have been further from New York City for this girl, who was a little shock to the system. After that, I spent Middle School in high school in the middle of New Jersey near Morris town, which was your very typical suburban existence. We walked everywhere. We rode bikes, the everybody had to come home when the ackermans rang their bell for dinner like we were free range children back then. So it was, you know, sort of the normal American upbringing in the 70s.   Michael Hingson  03:23 Okay, so how long were you in Carolina?   Catherine Morgan  03:28 We were just in Blowing Rock for a year and a half, two years. I don't remember. It's kind of a blur. It was. It was lovely. I mean, this so stunningly beautiful there. But yeah, the school system from going from a private, very, very small private school with 24 kids per grade to four classes per grade of 24 kids. Each was a little bit of an adjustment for me.   Michael Hingson  03:57 You survived though.   Catherine Morgan  03:59 Yeah, I came out and I did. I was a good student. I did well in middle school in high school and I went to Vassar College, which when I was looking at colleges, I applied to a bunch of them but faster was the only school I wanted to go to and conveniently they agreed that they wanted to have me   Michael Hingson  04:19 well that worked out well. So but when you left Blowing Rock Where did you guys go   Catherine Morgan  04:26 to Mendham New Jersey outside of Morris town in the middle of the state.   Michael Hingson  04:31 Right. So what took you to North Carolina in the first place that job for your one of your parents or what?   Catherine Morgan  04:38 Yeah, my my mother remarried and my stepfather was running a factory in just over the Tennessee border making one who's in what was he making, making men's pants   Michael Hingson  04:54 and then why New Jersey?   Catherine Morgan  04:58 Once again, we we follow To my stepfather's jobs he got a job in New York. And that was a very commutable city because of where how the trains worked. So a lot of people commuted into the city for their work,   Michael Hingson  05:14 I must say, from a transportation standpoint, and having lived in New Jersey for six years, taking the trains into the city, most every day, I very much got used to the trains and love the New Jersey Transit and train systems of New York City. My biggest challenges were getting, oftentimes, from the Westfield train station to home, we used what's called paratransit under the ADEA. And it was run by New Jersey Transit, but in separate sort of organization, and they were a times they were a little bit of a challenge. But mostly it worked out pretty well. And I was able to get to and from the train station without too much grief or difficulty. But getting on the trains and going into the city was always a wonderful thing, because you could go without needing to worry about driving or any of those kinds of things. And I know people who took Amtrak, even from Bucks County in Pennsylvania, and they would just be on the train for a couple of hours. And they form groups and they worked on the trains or they just had conversation groups and did other things on the train going to and from the city. So trains are wonderful things.   Catherine Morgan  06:30 I agree. I find them very relaxing my system sort of down levels and gets very relaxed on trains.   Michael Hingson  06:39 So what did you get your degree in from Vassar?   Catherine Morgan  06:43 Psychology?   Michael Hingson  06:44 Right? Okay. Did you go beyond a bachelor's degree?   Catherine Morgan  06:49 No, I didn't, I had always intended to go back and get a masters or something, you know, in my 40s. And that just isn't how my life ended up. So I do something that's sort of related. And certainly my interest is very sight, the psychological side of business, but I did not pursue further education.   Michael Hingson  07:16 So what did you do once you left faster?   Catherine Morgan  07:21 Well, like most people just out of college, if you're not going directly into law school, or med school or something, you have no idea what you're doing. And my father was out here in Chicago, and he was working on the Options Exchange. And he said, Well, why don't you come out here and try that since you don't know what else you want to do. And it was 1984 before the crash of 1987. And those three years, everybody was getting rich, and it was fast moving and fun and young, and just with open outcry was really a great place to work and in your 20s Let's just put it that way. And I had way too much fun that I'm not willing to share about.   Michael Hingson  08:11 And besides that, you went to a place that had great hotdogs and great pizza. Oh, yeah, gotta have your priorities, right?   Catherine Morgan  08:20 Absolutely.   Michael Hingson  08:22 I always love when I go to Chicago going to UNO's among other places and getting their deep dish pizza, my relatives who live there, always insist that we should go to UNO's and I have to agree it's pretty good. It's pretty good. So what did you do in Chicago then?   Catherine Morgan  08:40 So I was a phone clerk on the Options Exchange, which meant I was down there with 1000s of people screaming in the pits, executing orders I was on the side actually taking the orders and making sure that the runners got the orders out to the brokers in the crowd. It was it was it was crazy times back then I can't really describe the noise level and the close proximity because I had about a foot and a half of personal space where I was I had a foot and a half of desk standing right next to somebody else who had the other foot and a half and I had my order pad and my phone and that's it there was me a foot and a half of space ordered pad phone on the phone all day long taking orders recording orders it was it's kind of hard to explain. But it was it was fast paced and and like I said in your 20s Young and fun.   Michael Hingson  09:41 Yeah, it's it's probably fair to say you haven't lived until you've observed a stock trading for close up there. They are crazy places.   Catherine Morgan  09:54 Yes. Back in the day with open outcry the noise level we is just something you can't have Yeah, I guess if your staff, you've been to an arena show and somebody makes a shot and the crowd goes nuts, that was not an unusual noise level on the floor.   Michael Hingson  10:09 Yeah, constantly as opposed to just when somebody makes a shot. And there's just so much going on and so much activity and as you said, you're taking orders. And then people have to run them out to the traders, to the brokers and the people actually on the floor who do the things that they do. And the constant byplay, it's, it's an amazing place to be. It's a pretty incredible and last,   Catherine Morgan  10:34 yeah, it's really fast. So that was made an indelible impression on me.   Michael Hingson  10:41 Also, you didn't dare make a mistake, because one mistake could cost people incredible sums of money. I know I was in the business of selling the products that people used, and attached to their networks to backup data. So we sold the hardware. We were actually at a while we were out at Salomon Brothers at that time, they existed still in New Jersey, and Rutherford, and one of the people was talking to us about backups and the fact that if anything happened, at the trading floor in New York, they actually had two additional backup sites in Florida, somewhat underground, so hurricanes couldn't get to them. But they said, We don't dare even be down for a second, we would lose millions of dollars a second if we weren't able to stay up all the time. So the pressure had to be even for you incredible.   Catherine Morgan  11:41 Yes, it was. And obviously, we're humans and mistakes were made. But they were rectified quickly. And you made as few of them as possible.   Michael Hingson  11:53 Yeah. And the people who could deal with it and fix whatever needed to be fixed, could stay around, and the people who made too many mistakes would be gone. Quickly. But you still have your hearing. So you survived. Did you have any way to protect your hearing? Did you have a headset or anything?   Catherine Morgan  12:12 No, we didn't really think that back then there were some people who are on headsets? I did not. And my my hearing is a little wonky. It might have been the rock concerts, though. I can't necessarily blame the trading floor.   Michael Hingson  12:30 Okay. Well, so how long did you do that?   Catherine Morgan  12:35 Almost five years. Wow,   Michael Hingson  12:36 you did it for quite a while. What caused you to switch?   Catherine Morgan  12:41 Well, oddly enough, I'm not good at math. I have a really good memory. And I'm a really good parent. So I was an excellent phone clerk. But I was never going to make that jump to the next level because I'm terrible with math. So I left that. And I went to work for a technical analysis software firm in New York, selling or supporting trading systems and traders because I understood how to talk to these people. And they, they do need somebody who understands their personality types and their language. So I did quite well with that spent the next phase of my career in market data and trading systems and that sort of thing.   Michael Hingson  13:25 So did you do that from Chicago? Or did you move back to New York?   Catherine Morgan  13:29 I moved to New York, and stayed there for four years, and then came screaming back to Chicago and I left.   Michael Hingson  13:38 All right. So which place has better pizza Chicago or New York?   Catherine Morgan  13:43 They're utterly different. I almost think they should have different names. Yeah. They're utterly different. A New York just flat white pizza, is God's gift to pizza, in my opinion. And then, you know, there's the deep dish or the stuffed or the, I don't know, there's so many different kinds of Yeah.   Michael Hingson  14:04 Yeah. And they are different and it is unfair to compare the two. I agree. So we should just have both of them around. It's okay. So you went screaming back to Chicago, and did what   Catherine Morgan  14:21 I was still in the market data. I went to work for a company selling trading systems and market data. And I was selling down on this the CBOE floor and the Chicago Stock Exchange and the Merc so I was very comfortable going down and talking to traders on trading floors or going into trading rooms, which, you know, as a woman in especially in the ad, well, that was nowhere in the 90s. You know, I was the only woman in the room almost always throughout my career, because it was a back then quite a male dominated industry. Yeah.   Michael Hingson  15:02 So, you How did that work out for you, though? Did were there challenges? So you worked out pretty well. And it worked   Catherine Morgan  15:10 out really well, because I could often get in the appointment. And I, you know, they would try and do the rough and tumble thing with me. And I was just right there with them. So I was not once you worked on a trading floor, nobody can intimidate you. So you would they would, they would come at me. And, you know, because I looked really young and I was young. But they couldn't intimidate me. What kinds of   Michael Hingson  15:37 things that they tried to do.   Catherine Morgan  15:39 Um, I don't know, you know, just the coughing of a very successful trader, there's a little proving and posturing. And, you know, I, I made a million dollars yesterday and type of swagger II things like, you know, good to be you. Like, I hope your wife is happy, did you buy a boat, like I just wasn't faced with that sort of thing?   Michael Hingson  16:07 Yeah, it's all about intimidation. And, and they do have that kind of an ego. As I've mentioned, Salomon Brothers before, of course, the traders were even at Salomon considered the Cowboys. And I don't know whether there were any women or not, but and cow girls of Wall Street. And they did a lot of things that were risky, not in an illegal or wrong sense. But for example, they were one of the first to adopt Sun Microsystems products as workstations. And people really didn't know much about Unix, or whatever. And they're going, these are faster computers. And they, they were the, the innovators. So there's something not to be said, for having that ego, but for having the courage to explore, taking risks, and trying to improve a process, which also meant what they were trying to do is to get an edge up on their competitors from other companies, but they did it for a while.   Catherine Morgan  17:08 Exactly. Sun was the workstation of choice for all the risk management systems, it was the only one that really had the computing power needed for those types of systems that touched every aspect of the organization.   Michael Hingson  17:21 Right, because they were so fast and so versatile. And doing it in Unix gave them an operating system that had a lot of flexibility that that they needed. And I remember after September 11, we were involved with getting Wall Street back up and running. Because quantum made the backup products default standard, the ATL libraries and the super digital Linear Tape products and so on. So we, we saw a lot of things that people did, including IBM and sun cannibalizing employees, workstations, just to get them over two firms on Wall Street, so that within six days, they got Wall Street back up and running completely.   Catherine Morgan  18:06 Oh my gosh, that was a hot mess. We could spend the entire episode on that. But   Michael Hingson  18:11 yeah, yeah, I remember helping Morgan Stanley and they actually found a place over in Jersey City. They said they found a floor of the size of a football field. And they made that their new trading floor and they got workstations and everything. And within 36 hours, they had a complete replica of their original trading floor up and running, because we were able to give them the product so that they could restore all of their files, which is of course, one of the wisdoms of the Security Exchange Commission, you have to keep data for seven years. So all they had to do was to go to their site off site, get their tapes, bring them in and get everything set up. And when in fact they were all ready to go when Wall Street opened on the 17th of September, and all went pretty seamlessly. That's incredible. Yeah, it was an amazing feat to see all of that get done. But it's what they needed to do. And then that's, that's part of their skill sets. So well. So you you worked at all of that for a while and you continue to market and then what did you do? So you're in the 90s and partway through the 90s.   Catherine Morgan  19:25 Then I flipped so I spent about 15 years and in financial services doing what we just talked about. And then I went to work for the professional services firms. The consulting firms servicing the Financial Services vertical. So I worked for KPMG Arthur Andersen, Deloitte and working primarily with financial services but some other industries.   Michael Hingson  19:50 So when you say working with financial services, what does that mean?   Catherine Morgan  19:54 So I would go into one of the major exchanges and help with an opera ational risk assessment I would go to, you know, a large bank and look at the order flow process I would go to we did a bunch of random projects, our group was like a little SWAT team that mostly was focused on the capital markets, because that was our, where our senior manager had connections. So he was, that's where he was selling business.   Michael Hingson  20:27 And so what you were doing was to try to improve processes and make their their systems work more efficiently and more effectively.   Catherine Morgan  20:37 Some of that, and some litigation support work. So, you know, one company was suing their insurance company, or the insurance company was suing their client for whatever, and we would go in and dig through documents, but it was related to trading and to have pricing, you know, how they price the portfolio? So they needed people with expertise in the financial markets. No, I'm not a commodities person that was always on the equity side. But the people I worked with on my team were commodities experts say   Michael Hingson  21:15 it. Again, it's the kind of thing that has to be within the infrastructure of the system to help things work. Yes, but so you did that. And then what?   Catherine Morgan  21:32 Well, and then I decided that it was time to start my own business. And I was working with a coach. And my coach said, you know, that resume interview question coaching job search to help that you do to with friends and family and colleagues, you can get paid for that. And I saw,   Michael Hingson  21:56 what, what a concept,   Catherine Morgan  21:59 it hadn't occurred to me that that was a legit way to make a living and people would actually pay me for that service.   Michael Hingson  22:06 And so when did you start that?   Catherine Morgan  22:10 So in 2010, I left Deloitte in May. And I started point A to point B transitions, Inc, which is my company. And we have been helping professionals and financial services, professional services and technology, find new opportunities, great jobs, they love and not stop gap positions.   Michael Hingson  22:37 So as our technological infrastructure and environment grows, and so on, how is that really changed the whole process of job searches, looking for jobs, applying for jobs, and so on.   Catherine Morgan  22:54 And to some extent, it's everything old is new again, because the technology has made it so easy for people to apply for basically anybody to apply for anything, I jokingly call it spray and pray. But to spray and pray is there which means that employers are receiving, you know, tremendous amounts of applications, and may or may not, depending on the size of the organization, may or may not have the people in house to wade through this. So they may outsource it, which is the long way of saying that spray and pray mostly doesn't work. So it might work. If you're looking for a similar type of job in a similar industry, that's when the online application process is efficient. But you need to reach out to organizations, you need to reach out to people you need to get recommended in, you need to set up your profile. So you look magnetic for the type of role that you want. There's a lot of additional ways that you can source opportunities or be the one that's chosen. Because you have to keep in mind that depending on the size of the organization, someone is targeting, they may or may not have the responsibility of posting it publicly. So they may if they're a small organization who could not deal with the quantity of resumes they've received by posting a job publicly, they may just reach out to their network and say, Hey, we're hiring a sales manager, hey, we're hiring a marketing director, hey, we're hiring an intern and good people, no good people, and they'll they'll fill it that way. So you have to make sure that your top of mind for people so that if opportunities are uncovered, somebody thinks of you and sends it your way.   Michael Hingson  24:56 So in a sense, the process overall really hasn't changed.   Catherine Morgan  25:03 That's where I was going with SES, the technology has helped. And but the people who are going who are looking to make bigger changes, who are not just round peg, round hole candidates need to make the extra effort to reach out and find people touch people follow companies interact with companies cold, do cold outreach, those are the people who get good results.   Michael Hingson  25:31 And the advantage of technology is, it makes it easier to reach out, you don't have to put a stamp on an envelope and send it somewhere. Now you can do an email, but you also have to put the appropriate efforts into it to make sure that what you send will be seen.   Catherine Morgan  25:55 Yes, exactly. You have to make sure that you're relevant to the person that you're reaching out to. So it's not, hey, I have all this experience data. Why should they care? Yes, you're a leader. Like all of us, we're overwhelmed. We have a bunch of people reaching out for things. Why should someone care? Why are you the right candidate? Why are you interested? Why is are you a great fit for this position. So you always have to make sure you're positioning it for why the other person should care, because they're also busy, and they don't know you. So you have to, you have to make it seem like you're worth their time.   Michael Hingson  26:40 Yeah, it's, again, it's no different job interviews are sales presentations, by any standard by any definition. And so you have to learn to be the best at selling yourself. Otherwise, you're going to be left behind. And that's not a bad thing, because it's all about you looking at yourself and realizing what you can do. But it also means you have to research who you're applying to, to make sure that that you are a good fit. And again, that's not different than it used to be. It's just that now, there's so many ways to perhaps make that easier to do if you do it, right.   Catherine Morgan  27:19 Yes, I completely agree with that. But there's a bunch of people who just heard that and when act sales. So let me let me give you a door in so it sounds a little more doable and a little less scary. The way someone who comes to me and says, I don't feel comfortable talking about myself, I'm not positioning myself well. And I'll say, Well, if you don't do it, nobody's going to do it. So it's your job to present yourself as the best candidate, you're giving them the information, they need to see that you are highly qualified, and a strong candidate. If you do not present them with that information, you are doing them and subsequently you a disservice. Yeah. So if I just say you're presenting the information about your skills, why you're excited about the opportunity, why you're going to hit the ground running, why you've done something similar or you can come up to speed quickly. You need to do that so that they have the information they need to make the right decision that you are the right candidate or not.   Michael Hingson  28:39 Right. And I appreciate that. A lot of people Miko IQ sales. The problem is that the sales industry oftentimes hasn't done the right thing to teach people what sales is all about. Because real salespeople, good salespeople, and I come from a sales background. Real people do all the kinds of preparations that you're talking about. But also, the better salespeople know that, ultimately, their teachers and advisors and counselors and they look for what the customer if you will, or in this case, the person looking at job applications need and then have to make the decision about how and if they can make a presentation that will work. And it's also important and I've done it on a number of occasions and selling products, you have to look at will my product work? Will my product do what the customer needs because if it won't, I'll be doing everyone more of a disservice by trying to convince them to buy something that won't work. So again, I take a different view of sales and probably a lot of people do but it still is the real right way to do it.   Catherine Morgan  29:56 I completely agree and an unhappy cause Sturmer is burdensome to the organization and a reputation risk.   Michael Hingson  30:04 Yeah. And and people will hear about it if you do that kind of thing no matter who you are. Because even though there's a lot of technology, and there are a lot of people out there looking for applicants, ultimately, in any given industry, the network is relatively small, and people will hear about it if you don't do it, right.   Catherine Morgan  30:28 That was my experience, the Chicago trading community is very small. Miss rep, presenting our data on AI, you would have big problems.   Michael Hingson  30:40 I know as a person who happens to be blind, the other factor that we oftentimes see is though, the prejudice that exists on the part of people looking for employees or people to fill jobs, oh, you're blind, you can't possibly do that. How are you going to get to work. And today, we still see that kind of thing. But it used to be that it was probably even worse. And I know that oftentimes, I would debate do I say I'm even blind in a cover letter to go with a resume. Because if I didn't say I was blind, I might get a call back, the odds would be about the same as for anyone else. But if I did say it, I could probably be pretty much guaranteed I wouldn't even get a response. And there are so many ways to still do that today. And it still happens to a great degree, because the unemployment rate for persons who are employable with disabilities is still in the 65 to 70% range. So we tend not to really be too excited when we hear an unemployment rate of 3.5%. Because we know how hard it is for us, and how few of us actually get hired to, to do a job. And, and so the prejudices are still there. And so then, for me, what i i Come back to as a default is something I learned in a Dale Carnegie sales course, you have to turn that perceived liability into an asset, which if you do it, right also gains you a lot more attraction and a lot more likelihood of visibility with excuse me with the the potential people who are looking to to fill a position. And so for me, in a sales position, what I would say is, hey, look, I sell 24 hours a day to convince people to let me buy a house or fly on an airplane with my guide dog or even go grocery shopping. So do you want to hire somebody who just comes in for a few hours every day and sells? Or do you want to hire somebody who truly understands sales for the science and art that it is, and who sells 24 hours a day as a way of life? And that that actually got me a job interview and hired. And it because it worked? And it's true. It also separates you from virtually everyone else?   Catherine Morgan  33:11 Yeah, it gets you it makes you memorable, which in some cases is half the battle. How do you distinguish yourself as a piece of paper? Yeah, you know, I've had, I've had a similar situation with some clients who had Ms. And had summers obvious tremors and walked with a cane. So my suggestion to them was to just answer the question upfront, because what the employer really cared about is can you do your job? Is your your physical, you know, I can see the tremors? Is that going to affect your ability to do your work? And to just answer it flat out? Because that's what they're thinking? Like, it's the elephant in the room. Just talk to it?   Michael Hingson  33:58 Absolutely. And, and for me, the prejudice runs very deep, because the presumption is you're blind, you just can't do it. In fact, I went on an interview, and went by bus up to Los Angeles from where I lived at the time, and deliberately went on my own to the interview, because I didn't want someone driving me there. And the first question, even after all, that was, well, how are you going to get to work? So well, and I got that, right. So the answer is, hey, if I need to move closer, that's my responsibility. If you hire me, I need to be able to be here. And I recognize that I will make that happen. And I've proved or should have been able to prove to you today that I can do it. The problem is that the prejudice does run deep and it's a big challenge that we we all do face and even now today as a speaker. A lot of times I've got I've got a story about being in The World Trade Center on September 11, it helps but still, how do I distinguish myself from so many other speakers who are out there that are always looking for probably the same job of why should they hire me? I was very fortunate, about a month ago to read about someone who heard me speak in 2014. At an event in Nevada, the event on safety, preparedness and emergency preparedness and management. And just this January, he wrote an article specifically about that event, talking about how much he remembered and how much he valued. What he heard that day from my presentation. What, what an amazing kind of thing, how often are you going to hear from somebody who heard a speech nine years before and remembers it?   Catherine Morgan  35:54 Oh, my goodness, isn't that a speaker's dream, though, to inspire their audience and to, you know, be memorable and make a change like that? That's amazing.   Michael Hingson  36:06 Absolutely is true. And it was, it was a wonderful article. So I, I now tell people about that when we talk about the possibility of speaking, which is pretty cool.   Catherine Morgan  36:15 Course, it should be part of your packet. Yeah.   Michael Hingson  36:19 So you, you talk about the whole idea today of work and hiring, and, and so on. So the industry in some senses has changed a lot because of technology. But in some senses, the process is still ultimately the same. How do we get people to learn the process when they think that technology is just going to solve all their problems?   Catherine Morgan  36:49 Isn't that the question you should see the look of horror on my on people's faces, when I tell them, they should only be spending 20% of their time doing online applications? Because they think that they can sit behind, you know, in the relative piece of their house behind their laptop and get this job search done. And, and maybe, but it's unlikely. So when I tell them my time allocation on how you should be spending your efforts, the responses is generally Ack.   Michael Hingson  37:23 Yeah. But still, it's what they have to do.   Catherine Morgan  37:29 If they want to good results, if they want to, you know, have the equivalent of scratch off tickets, maybe they get lucky.   Michael Hingson  37:37 Right? Oh, about different age groups are you are you seeing as we have an aging population and more seniors or more people approaching seniors who want to continue to be in the workforce? How is all of this working for them, as opposed to younger people and in the next generation or later? And their more comfortable with technology? But still, how does it work between different generations?   Catherine Morgan  38:07 That is a juicy question. I joke that, you know, old dogs can learn new tricks and new technology, which sort of breaks the ice a little bit. A lot of my people I work with generally 45 to 62. So we are on the more experienced side of the spectrum. And mostly I have not found a technology barrier for them. You know, pretty much everybody says they should be better with Excel. But other than that, they're comfortable with with computers, they're there on them, they they get it. That may not be the perception of younger workers, they may need to go in and prove that or specifically talk to it, because to your point, it is a bias. But it the types of clients who are drawn to my work because of the industries I serve, don't tend to have that issue. But I recommend that people talk to it if they're really good with data analysis or if they know any types of coding or you know, whatever software CRM systems anything that they're mentioned it to just poke poke that balloon right there. Like that's not in the room anymore. I get that it ageism mostly isn't. And a lot of times it's self inflicted, which generally galvanizes a room when I say that.   Michael Hingson  39:43 Tell me more about that though, if you would, please.   Catherine Morgan  39:47 I will. Well, most of the people I work with are white collar professionals, who have a lot of jobs function expertise or industry experience. And I try to tell them that having more experience doesn't make you less valuable. So, is there ageism in the workplace? Some? If you want to get into Google or Facebook or one of the young sexy tech companies, yeah, maybe it's a problem. Other companies? No, it's not. The the real issue when you sort of pull it part is, is it an age issue or a wage issue? Meaning is your 1015 20 years of experience worth 2050 100 grand more to the employer? Now, if a more junior person could adequately perform that job function? It is not. ageism is a money question. And if you were the hiring manager, you would make the same decision. So the trick is to apply for jobs for which your experience is important. Your negotiation skills, your judgment, your years of industry expertise, you're having watched multiple market cycles there apply for the jobs where you're not competing against very junior resources, because that's usually what's going on and everybody's it's ageism, they didn't pick me. It's ageism. No, it wasn't it was a money question. And it's a junior role. Don't call it what it is.   Michael Hingson  41:38 Or you have to work to find a way to Well, one of two things justify a higher salary because of your experience, or recognize that you may not get as much money as you would like. But as you said, that's the the amount of money that the job will pay.   Catherine Morgan  42:02 Yes, and people who switch industries, for example, financial services, and technology tends to be paid better than other industries. So we have a very honest conversation, that should they want to switch industries, they are likely going to have to take a pay cut, once again, not ageism. It's just what the market value in that industry is.   Michael Hingson  42:28 But do you find that there are though age biases in anywhere in the workforce, I'm not going to hire older people, I want younger people who are more energetic, who are going to stay longer, or whatever the case happens to be?   Catherine Morgan  42:44 Sure there are, then you don't work for that company. It's, you know, how the pendulum swings from one side to the other. That was certainly the case, you know, several years ago, but we have an aging population, just the demographics of the population, the younger generations are not going to be able to fill in all the jobs, they're going to need to keep the workers in there longer. And the value that a more experienced worker can bring some times as the ability to participate in multiple job functions, is, you know, add value to this team, this team and this team and be good with it can be a very smart decision for employers. And I think that savvy employers are really starting to get that.   Michael Hingson  43:40 And savvy employees are starting to get that they need to make that point.   Catherine Morgan  43:47 Exactly. I joke because that's who I am, that you need to be applying for positions where the gray hair of experience is valuable.   Michael Hingson  43:58 Right. And that's really, ultimately it. The fact of the matter is that there's a lot of value in experience. But you have to make the case, just like with anything else, like as I talked about the issue of turning perceived liabilities into assets. And when you're dealing like with disabilities, one of the facts that can be very relevant. And again, you have to understand whatever environment you're applying for, but the one of the facts that could be very relevant is I know that the unemployment rate among employable blind people is in the 65 to 70% range. The fact of the matter is, if you are willing to give me a job, and you hire me, I'm going to be much more apt to not want to leave and jump ship like younger people often do because they just think they're getting a better opportunity. I'm going to stay somewhere that well. comes me and demonstrates that they value me for who I am, even though I happen to be someone who is blind, and there are actually a number of studies and a lot of statistics that show that to be true.   Catherine Morgan  45:13 Well, turnover is extremely expensive for companies. So making that point that I will be your dedicated, committed employee, if you are committed and dedicated to me, I think that's a great point to make.   Michael Hingson  45:28 It is, again, one of those things where it takes savviness on both sides. And some employers, as you say, do get it. And I think more and more people will perceive that over time. But I think also, for example, employees with disabilities need to be the ones to make that point. And to create that conversation.   Catherine Morgan  45:53 Yes, you need to have your talking points, practiced. Because, yeah, we were not used to having those conversations. Like I honestly think, Michael, that you are the first blind person that I've that I know, I know, people who have, you know, lost major portions of their eyesight. And I'm actually working with a client who's sort of navigating through that now. But I don't know anybody who was born, born blind.   Michael Hingson  46:23 So for you, well, well, in the the issue is that even if you have some eyesight, if you're low vision, then I use that as opposed to what most people use visually impaired, because I don't regard myself as impaired and I don't want to be equated to eyesight. And visually, I'm not different, because I just happened to be blind. So low vision or blind, it's like deaf or hard of hearing, as opposed to deaf and hearing impaired, Hard of Hearing is a much more appropriate term that's become accepted. And we haven't done that yet, with eyesight, but low vision, people will oftentimes find if they look at it, that if they learn some of the techniques that totally blind people use, and if they accept their low vision, nature, and use that as an advantage, they can be very valuable employees wherever they go.   Catherine Morgan  47:18 I totally agree. And I'm working with a woman in this situation right now. And she's fully functional, nobody would know anything different, as long as she's home with her setup. You know, the right kind of monitors the right kind of kind of things, her anxiety is if she has to go back into an office environment, she's not going to have the equipment that she needs to succeed. And that's, you know, a valid question. But remote working is happening available more and more. And companies, you know, may be willing to make, you know, accommodations, more and more, I keep trying to tell her that it's possibly less of an issue than she thinks, but we'll work on our talking points, and we'll make sure that she's comfortable and presenting herself and I just don't think it's gonna end up being a problem for her.   Michael Hingson  48:08 Well, it doesn't need to be if even if she wants to go or if she's willing to go back into an office environment and needs certain kinds of equipment. The reality is, there are a lot of ways to get that in one state rehabilitation agencies are tasked with making people employable, and can help purchase equipment to, and I think philosophically even more important, whether it always can be used is why should the cost of business be any different conceptually for bringing a person with low vision into the employment environment? Why should that cost of business be any less or any different than what you do for sighted people by giving them computer monitors, computers, coffee machines, electric lights, so they can see how to walk around? The fact of the matter is that you know, in reality, so a person needs a magnifier or closed circuit, television type device.   Catherine Morgan  49:10 It's too new for her. It's still very raw. But should she'll be fine?   Michael Hingson  49:15 Yeah, but all of that is true, but there are places and ways to get the funding. The fact is that under the Americans with Disabilities Act, it is appropriate to explore with companies providing alternatives to what most workers use, and it should be part of the cost of doing business. We never view it that way, though. But that's a growth area for employers to work on to.   Catherine Morgan  49:42 I'm hoping that that's changing. I'm hoping that we're going to augment what is quote unquote normal and you know, with neuro diversity and people with disabilities, you know, I It's my hope.   Michael Hingson  50:01 Yeah, it's, it is a process. And it's new for her because she's not used to operating in a different environment or with different tools and with a different mindset. But that is still now part of her life. And here's the other part. And I don't know anything about what causes her eye condition. But she may lose the rest of that eyesight. And then she's going to have to learn all over again, which is another reason that I talk about the fact that this is the time, people should learn the techniques of what blind people use, because the odds are, if she started to lose eyesight, she's gonna lose the rest of it. And then you go through another psychological crisis again, unless you deal with it sooner rather than later.   Catherine Morgan  50:46 Maybe it maybe at some point, I can ask you to give some of your hard won knowledge to her. She's a very nice woman.   Michael Hingson  50:53 Sure, we can we can talk about that without doing it on the podcast. So nobody else needs to hear. But we could, we could certainly do that. But the reality is that, that eyesight or lack of eyesight isn't the problem. On either side, its attitude. It's philosophy, it's our perceptions, and misconceptions that create most of the problems. I agree, which is always a different issue. So you know, we talk about working and so on. And this reminds me of a situation just recently, I did another podcast interview with someone. And we were talking about work. And specifically, we were talking about work in the United States, as opposed to work in other countries, where in other countries, this person said, it would appear that people aren't so focused on just working, that they, they appreciate relaxation, they appreciate time away from work. And in the United States, it's all about just working and earning money. And that has to be an extremely stressful thing.   Catherine Morgan  52:10 It is an extremely stressful thing. And perhaps you're referring to Europe, when you're talking about well, among   Michael Hingson  52:17 other places. Yeah, it was she happened to be referring to Europe, she actually originally lived in the Soviet Union. And another observation she make made is that when the Soviet Union fell, people were presented with a crisis that now they had to make choices for themselves, whereas within the Soviet Union, they didn't have the opportunity to choose anything for themselves, which created another crisis. But she was observing with Europe and other been a number of other places, but primarily, I think she was referring to Europe.   Catherine Morgan  52:48 Yeah, well, this American hard work ethic, I think, has come back to bite us. Hard work is good. I am pro hard work I. But the badge of busyness or overworking added as a status symbol is a big problem right now, in the United States, as witnessed the rise of just stress, anxiety, depression, autoimmune disease is just, it's not working for us anymore. We need to respect the fact that we are humans, and we need to recharge. We're not just people who work we have a personal lives and family and hobbies and other things that we should do. I just this, we have a big problem here and we need to reorient how we think about the place work has in our lives. One survey I saw said 65% of people felt that the pandemic meaning 2020 and 2021 made them stop and rethink the place that work has in their lives. And going forward. A lot of people are recreating something different. They're willing to work, they want to work, but they also want to see their kids. They also want to spend time with their partner. They also want to be able to cook dinner and workout.   Michael Hingson  54:24 So you think we'll see that pendulum kind of switch a little bit?   Catherine Morgan  54:29 I think we have I think that's a big part of what caused the Great resignation and the great reshuffling in 2022.   Michael Hingson  54:35 How about employers? Are they recognizing the value of doing that? I mean, like as I understand it, in France, for example, in August, people basically are supposed to take the month off and in other countries over there, do these these kinds of things. Are we going to get to the point where we'll more value the idea of as employers having people be able to take more time off, or I think this is something that we're starting to see a little bit, being able to work more remotely, which gives us some of that opportunity.   Catherine Morgan  55:13 Yes, smart remote working as opposed to never fully disconnecting, we need to make a distinction between the two of those, because I'm, I'm all about remote work. But what that can mean is that you feel like you're on 24/7. So if you're replying to emails at 2am, this remote word thing isn't working in your favor. But your point was around taking time off. And I think employers who want people to stay and to not have to replace and retrain workers will need to adopt that to keep their highest performers, because the highest performers can go anywhere. And they're going to stay at organizations that support, you know, a more robust work life balance.   Michael Hingson  56:08 Do you think in our environment, there is room for both sides, employers and employees to recognize that, although one needs to earn a living money, isn't everything and there are other qualities such as working remotely or having more time off? Or having ways for people to relax? Do you think that that there is room for us to recognize that that kind of thing is relevant to and it isn't all just about money?   Catherine Morgan  56:43 Well, how about if I was able to try, unplugging, rejuvenating, resting, recreating to money, meaning if we don't have time and white space, to clear our brain? Great ideas don't come creative innovation doesn't come. Now, what makes companies money these days is innovative ideas. Well, if people are just on the hamster, wheel, Hamster, Hamster, Hamster, treadmill, treadmill, treadmill, they are not getting their best ideas. They're not thinking about different ways to change processes to leverage technology to scale to come up with the next iPhone or whatever. So I think if we can somehow slip the idea into C, C, the C suite, that if you let your employees rest in play, they're going to be more productive and come up with more innovative and creative ideas. Maybe we make it work.   Michael Hingson  57:52 Do you think we're seeing some of that or that we will see some or more of that.   Catherine Morgan  57:58 We're seeing it and lip service for sure. You're starting to see website copy that talks about wanting employees to have work life balance. I have a former client who's working at an at an ad agency, which is that's an industry that's notorious for beating up their people. And she says that her agency is insists that employees keep to a 40 Max 45 hour week. And if they report too much time, they ask the employee what kind of help they need to get the workload back to something manageable that can be completed in a reasonable work, then she almost fell off her chair.   Michael Hingson  58:42 Wow. That's that is pretty unusual. But refreshing, isn't it?   Catherine Morgan  58:47 Oh, that made that lighter future forward. Wouldn't that be great,   Michael Hingson  58:52 wouldn't it though? How about retirement? We've got a lot of places a mandatory retirement age at 65. And I don't know whether it's as mandatory as it used to be but should should everybody, everyone retire? Or how about that to go?   Catherine Morgan  59:14 Well, I think like everything one size doesn't fit all. So the people who are excited about their retirement and are planning to do whatever they're planning to do should go do that. But retirement for a lot of people is not a great idea. Example, somebody whose identity is very much tied to their work and their position or their title or their you know, if you're a doctor, if you're a lawyer, you're known as Dr. So and so you're known as so and so the lawyer. If you no longer have that in your life, you can feel untethered and lose your identity and Don't be bored out of your mind, or sink into clinical depression fairly quickly. So if you love your work, and you are energized by it, and it's a big chunk of your identity, a traditional retirement can, can be adverse for you like, I don't recommend it. But you know, there may be a balance to be struck once again, maybe you don't want to be working full time. My cousin was a doctor, a pediatrician, her whole career. And now she's working two, two and a half days a week. And that's the nice balance that she wanted to strike. But she's got to be in her mid 60s. So you know, that's what she wanted to do. My grandmother sold real estate until she was 87. She said it kept her young and out of doctors offices, all her friends were rich and didn't have to work. And she said, they spent all their time going to doctors. So there's something to be said, you know, if you're that type of person, and you like what you're doing, you might want to keep doing it.   Michael Hingson  1:01:05 Of course, there is the other side of it, which is maybe some people should retire for one reason or another.   Catherine Morgan  1:01:11 Absolutely. Like I am not. I don't think there's one prescription that's going to work for everybody. I have a couple friends who are like I'm never retiring and another couple of friends who are really looking forward to it. And they have, you know, specific plans for travel or grandchildren or mentoring or teaching or, you know, whatever. It's great, but I don't I don't think we can prescribe. Okay, you're 65 your value in the marketplace just ran out? No, you're likely it didn't. Now someone who has a physical job if they're lifting heavy cabinets and stuff, yeah, you might have to adjust and maybe be the project manager or the foreman or something. Those aren't generally people I work with. But you know, if there's physical constraints, that's a little different conversation, but as a sprain renters, I have had a lot of people who stayed at their company for 20 years, were eligible for their pension rolled out and call me six weeks later saying, Oh, my God, I'm so bored helped me get a job.   Michael Hingson  1:02:17 I have a nephew who worked for Kaiser Permanente for oh my gosh, oh, well, more than 30 years and retired in 2021, or 2020. stayed away for most of the year and decided that he was bored and went back to work. We didn't think it would last and it didn't he really he just retired again at the end of 2022. But he his situation is that he had to drive like 4550 miles to work every day, up over Cajon Pass and come down and the driving is horrible. And now especially after a pandemic, it's even worse, because he'll take two hours sometimes to get to work each day. So he's decided that now it's pretty good. And he went back to work because they asked him to come back. And they'd like him to come back again. And he said Not unless I can do it here. Yeah, well, not only remote, but there is a facility. There isn't a Kaiser hospital and he was administrator of portable hospital. But he could do most all of his work from the the Kaiser clinic here in Victorville. Or he could do it remotely. You're right.   Catherine Morgan  1:03:32 Okay, so that's just, let's be smart about this. Would you rather have somebody who's really good at their job that you trust? Who can you know, do it? I don't know, companies are going to have to get a little smarter about who really needs to be in the office who wants to be in the office, because some people are natural extroverts, and they're dying to go back to work. And then there's, there's some people like me, who are super happy to be working remotely, and always have been.   Michael Hingson  1:04:03 I'm used to remote to a large degree. So it doesn't, it doesn't bother me and getting to do the podcast is great to be able to do remotely. So I'm, I'm comfy with that. Well, we have to talk about the fact that you have a book and it is now out. And tell us about that, please.   Catherine Morgan  1:04:21 Well, my book is called this isn't working, evolving the way we work to decrease stress, anxiety and depression. So the question is, how do you make a book that has the words stress, anxiety and depression and the subtitle not make people run for the door going ACC? So how do you make where's the door and how do you make it, you know, friendly, helpful, engaging, and I got very lucky because my designer did a tremendous job. And it's, it's funny, people look at the title and just burst out like Laughing. So that was that's one way in. The other way in is my signature, empathy, snark and storytelling, which is what people people say that the book is just like having a conversation with me. So if you liked this conversation, you'll probably like the jokes.   Michael Hingson  1:05:20 Nothing wrong with snark. Little snark doesn't doesn't hurt a bit? Well, you got some news about your book today.   Catherine Morgan  1:05:31 I did it. My little book was released. It's a small book with a big mission is my my goal for this book. And it is the number one new release on Amazon in the work related health category. So I'm very pleased to share that.   Michael Hingson  1:05:51 Well, congratulations. That is definitely exciting. And if people want to reach out to you, or get your book or just talk to you and learn more about what you do, and maybe seek assistance, or whatever, how do they do that? The best   Catherine Morgan  1:06:09 way to find me and interact with me is on LinkedIn. So I've actively posting there and reach out connect, follow me. And I'd love to talk about what's going on with your work situation and how we can make it better because with the great resignation, quiet quitting, the great reshuffling and the tech layoffs of 2023, clearly what we're doing is not working. And we have some ways to go to improve this,   Michael Hingson  1:06:38 you could write a book and that'll help to Hmm. Do you have a website that people can go to?   Catherine Morgan  1:06:46 Sure, it's a little long though. PointAtoPointBTransitions.com.   Michael Hingson  1:06:48 Point A to Point B, the number two or to   Catherine Morgan  1:06:56 point point A to point B   Michael Hingson  1:06:59 transitions.com.com. That's easy to remember.   Catherine Morgan  1:07:05 It is I tried it out in grocery lines and stuff before I registered for the URL. It's long, but people are like, Oh, point A to point B, people always talk about getting from point A to point B and   Michael Hingson  1:07:15 it's to transition   Catherine Morgan  1:07:18 transitions, and they're like, Okay, so it's long to type it out because I'm dyslexic. But everybody remembers said,   Michael Hingson  1:07:26 yeah, it's easy to remember. And of course.com. We do have some clue about that. So that works out well. Yeah. Well, I want to thank you for being here and talking with us. And hopefully giving people some great ideas. If you're looking for jobs or looking to hire or just giving you something to think about. We're really grateful that you were listening to us today. I'd love to hear your thoughts about what we talked about and get your opinion. So please feel free to email me email addresses real easy. It's Michaelhi at accessibe A C C E S S I B E.com. And for those who don't know, accessibe is a company in Israel that makes products to help make websites much more inclusive for persons with disability. So Catherine, we'll have to check out your website, see how accessible it is?   Catherine Morgan  1:08:23 You're gonna tell me it needs to rework I'm guessing, but I'd love to hear about it.   Michael Hingson  1:08:28 Well, we could talk about that it's really not expensive with accessibe to do anyway. But you can also reach out to me through our podcast page, which is www dot Michael hingson.com/podcast. And hingson is spelled H i n g s o n, we would really appreciate and I know Catherine would appreciate you giving us a five star rating and talking about this and talking about her book. So I hope that you will all go out and buy it and read it and that it will inspire you. But again, Catherine, I really appreciate you being here today and hope that you will come back and tell us more as time goes on because I'm sure that the world is going to change and we need to continue to hear from you about new trends and new ideas and this whole process.   Catherine Morgan  1:09:15 Thank you so much, Michael. It's been a joy talking to you today.   Michael Hingson  1:09:24 You have been listening to the Unstoppable Mindset podcast. Thanks for dropping by. I hope that you'll join us again next week, and in future weeks for upcoming episodes. To subscribe to our podcast and to learn about upcoming episodes, please visit www dot Michael hingson.com slash podcast. Michael Hingson is spelled m i c h a e l h i n g s o n. While you're on the site., please use the form there to recommend people who we ought to interview in upcoming editions of the show. And also, we ask you and urge

Todd “Bubba” Horwitz has enjoyed a successful career in the financial industry, which he began in 1980, as one of the original market makers in the OEX Trading Pit at the Chicago Board of Options Exchange. In addition to his career as a skilled trader and investor, Bubba has spent the last decade as a mentor and educator to traders of all levels.  As the founder and Chief Strategist of BubbaTrading.com, he manages the development and distribution of market content, product development and trade ideas.  In this episode of How To Trade It, Bubba shoots straight from the hip with practical  advice on learning to trade correctly, so you can trade in absolutely ANY market conditions.  You don't want to miss it!Subscribe to How To Trade ItEpisode Sponsor:A new type of trading with Kalshi. Check it out, to get started today!You'll want to hear this episode, if you are interested in…[00:40] Advice for new traders[02:32] A strategy for everything[09:56] The Blow Off Pattern[14:57] Trading either side of the marketListen up new traders!The first thing I teach new traders is to be patient and disciplined. You have to wait for your trades, you can't force them. When you try to force it, you will end up losing money. Traders, especially new ones, tend to think that if they are in front of a machine, a trade must be made. Not so! If the price action you are seeing isn't conducive to the trade you are trying to set up, then you can't make money. Why put yourself in that position?We start trading at 9 amEven though the U.S. Market doesn't open until 9:30 am Eastern time, for the first 30 minutes of our trading room each day, we trade EURO currency, Gold, Crude Oil, and bonds, since those are already open. The U.S. Market still trades the heaviest volume during what were the original pit hours. If you ever watch, every morning around 9:30 am, no matter what the volume was overnight, there's a huge spike in volume.The Blow Off PatternWe trade this pattern when there is a big news event, such as a “Jobs” announcement. The market becomes completely irrational. You get a gigantic spike in volume and also in price, either up or down.  Those two things together create an opportunity.  Resources & People Mentioned   Monday Night Strategy Call - email Bubba for accessConnect with Todd “Bubba” HorwitzWebsite:        http://bubbatrading.com   YouTube:       https://www.youtube.com/c/BubbaTradingTwitter:           https://twitter.com/Bubba_TradingLinkedIn:       https://www.linkedin.com/in/bubbashow/It's Casey thanks for listening to the How to Trade it Podcast. Kalshi is a new kind of trading strategy that's unrelated to all the damage being done in today's markets. It achieves this through Event Trading. Let me explain how it works. With event trading, you profit when you predict an event correctly. . It's that simple.Click Here to get StartedSupport the show

Discussion with Todd "Bubba" Horwitz on what he is expecting for the rest 2022. For more than 36 years, Todd “Bubba” Horwitz has enjoyed a successful career in the financial industry. He began his profession in 1980 as was one of the original market makers in the SPX Trading Pit at the Chicago Board of Options Exchange. He has traded at all of the major exchanges in Chicago and is currently a member of the CBOT. In addition to his trading, for the past five years, he has concentrated on writing, education, and a media career. His website is bubbatrading.com SafeDay Trading™ Podcast Welcomes You! Thank You for listening to our podcast and for your desire to discover how to Safely Trade the market to master the art of day trading. For a Limited Time, Sign Up for... FREE SafeDay Mini-Course, FREE eBook and FREE Live Trading Session! Go to our website and register today at http://safedaypodcast.com

Gary Norden is a Hedge Fund manager who not only earned the coveted Red Jacket of the London International Financial Futures and Options Exchange, but also led the derivatives desks for some of the world's largest investment banks in a career that has spanned over three decades.HERE'S WHAT WE COVER:01:46 Introduction to Gary Norden06:37 Fund trade structures12:44 Gary's Backstory 22:08 Getting into a new position29:19 Going against another trader36:12 Learning from the mistakes48:42 Next step of the learning curve54:05 Leaving the trading floor01:07:59 Starting a Hedge Fund01:17:10 Learning Technical Analysis01:33:48 The rise of technical indicatorsGET FUNDED TO TRADE FUTURES

TinyTrader can help you design and build an application or platform for crypto and futures trading, allowing you to maintain a high-volume exchange of your own. For more on their services, visit https://bit.ly/tinytrader (https://bit.ly/tinytrader)

If you're worried about inflation, you're not alone... The Consumer Price Index for November just hit a 22-year high... and the Producer Price Index increased at its highest rate ever. Now many folks are looking to juice the returns in their portfolio to make up the difference... But when it comes to trading stocks, the truth is that majority of retail investors end up getting burned... But that doesn't mean it can't be done successfully... To show us how it's done, Dan invites the legendary trader Todd "Bubba" Horwitz onto the show... When it comes to trading, few men on Earth can match Bubba's resume. In 1980, he was one of the original market makers in the SPX Trading Pit at the Chicago Board of Options Exchange, where he remains a member today... When it comes to trading in insane markets like we have today, Bubba has seen it all. He's been at it for over 40 years and has developed a bit of a cult-like following... Bubba even does live trading with his followers. You can follow along as he trades his actual money, and mimic his trades, if you so choose. For more info, visit www.BubbaTrading.com... If you've ever been curious about how to trade stocks safely, this is a conversation you don't want to miss...

If you're worried about inflation, you're not alone... The Consumer Price Index for November just hit a 22-year high... and the Producer Price Index increased at its highest rate ever. Now many folks are looking to juice the returns in their portfolio to make up the difference... But when it comes to trading stocks, the truth is that majority of retail investors end up getting burned... But that doesn't mean it can't be done successfully... To show us how it's done, Dan invites the legendary trader Todd "Bubba" Horwitz onto the show... When it comes to trading, few men on Earth can match Bubba's resume. In 1980, he was one of the original market makers in the SPX Trading Pit at the Chicago Board of Options Exchange, where he remains a member today... When it comes to trading in insane markets like we have today, Bubba has seen it all. He's been at it for over 40 years and has developed a bit of a cult-like following... Bubba even does live trading with his followers. You can follow along as he trades his actual money, and mimic his trades, if you so choose. For more info, visit www.BubbaTrading.com... If you've ever been curious about how to trade stocks safely, this is a conversation you don't want to miss...

Discussion with Todd "Bubba" Horwitz on what he is expecting in 2022 For more than 36 years, Todd “Bubba” Horwitz has enjoyed a successful career in the financial industry. He began his profession in 1980 as was one of the original market makers in the SPX Trading Pit at the Chicago Board of Options Exchange. He has traded at all of the major exchanges in Chicago and is currently a member of the CBOT. In addition to his trading, for the past five years, he has concentrated on writing, education, and a media career. His website is bubbatrading.com

Тест для любозательных. Добавьте в следующую фразу слово, которое Вам больше подходит: «кофе» или «чай». Фраза: «Ради чашки ... я готов (готова) пойти на всё, даже на работу!» Если Вы выбрали «кофе», то вы оказались среди  тех жителей нашей планеты, суммарное потребление кофе которыми составляет почти полтора миллиарда чашек в день! Не верите? А зря! Послушайте этот наш «Романс о финансах», который мы  записали на подкасте Money Inside. ARTEM FINANCIAL LTD https://www.moneyinside.ca/podcasts/ Сontact@moneyinside.ca MoneyInside.ca – ваш подкаст о деньгах, экономике и личных финансах. MoneyInside в iTunes MoneyInside в YouTube Оставить свои комментарии или задать вопросы вы всегда можете под этим выпуском или в группе «Финансы с Артемом» в Facebook — https://www.facebook.com/groups/CanFinanceInRussian/ Книга “Inside Banking” — все вопросы и ответы о канадских финансах простым языком. Купить Спасибо, что слушаете MoneyInside. Успехов в деньгах! Транскрипт выпуска Романсы о финансах | 9 Чай или кофе - вот в чем вопрос! –Здравствуйте, дорогие друзья, подписчик и гости канала. Компания ArtemFinancial и я, Марина Буланцева, приветствуем вас. Сегодня в рамках подкаста Money inside - очередной мини-подкаст «Романсы о финансах», и говорить мы будем о традиционных безалкогольных напитках – кофе и чае... С чего начинается ваш день? Если с чашки кофе, то вы входите в число тех людей, которые все вместе, если верить блогу «Постел-делюкс», за год выпивают 500 миллиардов чашек! Ну, если кто подзабыл математику, эта цифра выглядит как «пятерка» с одиннадцатью нулями. На нашей планете сейчас живет около 8 млрд. Не возьмусь за расчеты, сколько из них теоретически могли бы причислить себя к любителям кофе, так как для этого надо принять во внимание много факторов (возраст, условия жизни, уровень дохода и так далее), но , покопавшись в интернете, можно найти топ потребителей и производителей. Сайт «Тadviser» со ссылкой на The Economist на вершину пирамиды производителей ставит в порядке убывания Бразилию, Вьетнам, Колумбию, Индонезию и Эфиопию. По-сути, эти страны - экспортеры могут конкурировать со странами - поставщиками нефти, поскольку кофе по утверждению ряда аналитиков – это второй по количеству продаж товар на мировом рынке. Любопытно, что топ пирамиды потребителей выглядит иначе: на самом верху - страны ЕС, затем идут США, Бразилия, Япония и Индонезия. Канада и Россия, кстати, вошли в десятку потребителей, закупая кофе тоннами, но, если учесть численность населения, то канадцы балуют себя напитком где-то в три – четыре раза чаще, чем россияне, так как в годовом исчислении страна ввозит 230 тысяч тонн зерен, а Россия - 259 тысяч тонн. Из чего складывается цена чашки кофе в кофейне? Иконографика на сайте «Тadviser» на примере Великобритани выглядит так: если чашка , условно говоря, стоит 2.50 фунта, то самого кофе ( труда фермера, обжарки, транспортировки, и т.д.) в этой цене – всего лишь на 10 пенсов. Все остальное – это, прежде всего, - аренда помещения, затем ( по убывающей) – зарплата, налоги, молоко и посуда. Прибыль заведения с чашки - 25 пенсов. Но это, разумеется, - о напитке масс - маркета. А ценах на кофе люксовых категорий – несколько позже, а сейчас – о том, где лакомые зерна продаются и покупаются. Среди основных кофейных бирж сайт «Shop Tasty Coffee» называет для торгов по арабике International Coffee Exchange (Нью-Йорк) и для торгов по робусте London International Financial Futures and Options Exchange (Лондон). https://bcs-express.ru/novosti-i-analitika/tseny-na-kofe-b-iut-semiletnie-maksimumy-kak-na-etom-zarabotat На американском континенте, как пишет сайт BCS – express.ru, основные потребители сырья делятся на сети кофеен (тут два лидера - это Starbucks и Dunkin' Donuts) и производителей напитков (здесь лидируют J M Smucker и Keurig Dr Pepper). Стоит также назвать европейскую Nestle и канадскую Restaurant Brands International (эта сеть владеет Burger King и Tim Hortons). Весь мировой рынок кофе в целом составляет порядка $100 млрд. Стоимость кофейных зерен зависит от времени года (конец уборки или преддверие нового сезона), погоды, текущего баланса спроса и предложения. Но кому выгоден рост цен на кофе? Ответ лежит на поверхности - производителям товаров -заменителей : чая и энергетиков. https://bcs-express.ru/novosti-i-analitika/tseny-na-kofe-b-iut-semiletnie-maksimumy-kak-na-etom-zarabotat Цитирую Сайт BCS – express. ru: « Глобальный тренд на потребление искусственного кофеина и его аналогов сформировался еще в 1990-е. Сегодня рынок энергетиков оценивается в сумму более $50 млрд, то есть он всего наполовину меньше рынка кофе и довольно жестко поделен между основными производителями. Большую часть рынка энергетиков захватили три бренда - это австрийский Red Bull (компания не публичная), американский Monster Beverage (частично принадлежит Coca-Cola) и Rockstar (выкуплен PepsiCo). Но энергетики – это отдельная тема. Мы же сегодня «поем романс» традиционным напиткам, и кто, как не чай оспаривает пальму первенства у кофе! Главными производителями чая в мире являются Китай и Индия ( об этом сообщает InvestFuture.ru) . На долю КНР приходится 30-35 % мирового рынка. Далее, в порядке убывания, идут Индия, Кения, Шри-Ланка, Вьетнам и Турция. А вот относительно стран - потребителей, чьи жители предпочитают чай другим напиткам, данные разнятся. Однако, сравнивая информацию, я с удивлением обнаружила, что главные «чаеманы», если можно так сказать, - однюдь не англичане, хотя всем нам известна традиция чашечки чая в « 5th o'clock». Разумеется, в Великобритании чай подают не только в пять часов пополудни, а и в другое время, но англичан с их годовым потреблением немногим более двух с половиной килограммов чайного листа успешно обошли их соседи – ирландцы, а также жители Мавритании, Марокко и Турции. Турки, оказываются, используют для заварки чуть ли не 7 кг чая ежегодно! Торгуется чай на аукционах. Старейший - Лондонский. К крупнейшим также относятся аукционы в Амстердаме (Нидерланды), в Калькутте (Индия), в Джакарте (Индонезия) и в Коломбо (Шри Ланка). Во сколько же обходится чайный лист гурманам, покупающим его в магазинах? По информации Яндекс.Зен , стоимость китайского чая Tienchi (разновидности женьшеня) - $170 за кг, а, к примеру , за кг Panda Dung ( название буквально означает «фекалии панды») надо заплатить 70 тыс $. Нет, это, не «жуть», не «мрак», как бы сказала Эллочка-Людоедка, этот чай – не помет панд, просто фекалии этих зверьков используются для удобрения чайных деревьев. А вот, если вернуться к нашему рассказу о кофе, то в производстве одного из самых дорогих сортов участвуют другие зверьки, и это, опять же не мексиканские тушканчики или шанхайские барсы, придуманные Ильфом и Петровым, а малайские пальмовые куницы, они же мусанги или люваки, как их называют жители индонезийских островов Суматра, Сулавеси и Ява. Так вот , сорт называетс Kopi Luwak (Копи Лювак). Эти симпатичные, напоминающие кошек зверьки –люваки питаются ягодами с кофейных деревьев ( зерна кофе - это, вообще-то, ягоды кофейной вишни!). Часть зерен выводится из организма животных в непереваренном виде, но их вкус под действием желдочного сока меняется ( дегустаторы описывают вкус Копи Лювак как шоколадно-карамельный). Ну а дальше – технологическая обработка и в итоге стоимость этого удовольствия получается около 353 $ за кг. Но что такое «стоимость», если хочется поразить гостей не только вкусом, но и видом напитка! А раз так, то по случаю своего юбилея известная британская чайная компания PG Tips выпускает серию чайных пакетиков, украшенных вручную 280 бриллиантами. Цена каждого такого пакетика – $ 15 000. Ну и для совсем уж впечатлительных – чай Da-Hong Pao. Название буквально означает «большая красная мантия», он является одним из великих секретов императорской династии Мин. По легенде, у одного из имераторов заболела мать. Он отправляет слуг, чтобы те разыскали целебный чай. Они находят четыре куста волшебного чая, три из которых сохранились и по сей день. Этот Чай (Da-Hong Pao) имеет уникальные целебные свойства и является национальным достоянием Китая. Купить его нельзя. Получить его можно только в качестве подарка, который преподносится только наиболее почетным гостям, хотя известна приблизительная стоимость - 1 млн 200 тыс $ за кг. – В завершении позвольте переиначить известную фразу «скажи мне, ч то ты пьешь, и я скажу, кто ты...» Так что же такое - чашка кофе или чая? Возможность пролистать интернет вкупе с приятно согревающим напитком? Остановить мгновение, наслаждаясь возможностью прервать ежедневный бег дня? Или чашка кофеина, как шутят некоторые, – это «средство передвижения»? В любом случае, не стоит отказываться от этого удовольствия. Ведь именно маленькие радости позволяют нам чувствовать себя счастливыми. Хорошего вам дня и... до встречи!

Kris Hopkins, head of capital markets at SBI Digital Markets, the Singaporean subsidiary of SBI Digital Assets, joined the Waters Wavelength Podcast to talk about digital assets and why he thinks capital markets firms should get more involved. 2:00 Kris joins the podcast and talks about how he started his career as an intern at the London International Financial Futures and Options Exchange. 4.30 How is the capital markets dealing with digital assets today? He says these new asset classes will have to ingrain themselves in the traditional institutions at some point. 7.30 Kris discusses why he decided to join SBI Digital. 12:30 Digital assets are not all about crypto. The challenge is that people generally think it is. 13:00 Another angle is asset tokenization, which can be compelling for capital markets firms. 16:00 Security token offerings are regulated by the Monetary Authority of Singapore. That gives people and organizations a wider range of investment opportunities to look into. 22:00 One of the challenges for security tokenization is liquidity. 28:00 How should firms approach digital asset projects?

Discussion with Todd "Bubba" Horwitz on Hedging your position For more than 36 years, Todd “Bubba” Horwitz has enjoyed a successful career in the financial industry. He began his profession in 1980 as was one of the original market makers in the SPX Trading Pit at the Chicago Board of Options Exchange. He has traded at all of the major exchanges in Chicago and is currently a member of the CBOT. In addition to his trading, for the past five years, he has concentrated on writing, education, and a media career. His website is bubbatrading.com

Mike S. Shapiro is an entrepreneur, investor, corporate coach, speaker ForbesBook author, and Forbes Podcast host whose risk-inclined and results-oriented methods help individuals and organizations leverage insights for stellar results, including building his multi-billion-dollar business. He is also a co-founder and managing director with Plunk, a Seattle-based fintech/proptech startup. Mike's system is based on skills he developed as a market maker and trader with the Chicago Board of Options Exchange. There, he learned the value of paying attention to what's in front of us – “reading the tape” – and how to use information to predict behaviors, leverage opportunities and achieve game-changing results and lifelong satisfaction. It's the same method he used when he purchased a nearly bankrupt real estate firm in coastal Orange County, California during the 2008 “Great Recession” and that he sold 10 years later to create the world's second-largest Sotheby's International Realty brokerage, with 1,200 agents and annual sales exceeding $7 billion. He's also used this system to coach 1,000+ real estate agents to greater success, including many who now rank among the “Top 20” agents in the U.S. Mike – who describes himself as “cold and calculating as a trader and as empathetic as a golden retriever, which is why I have a 50% approval rating” – approaches life and work with a commitment to joy: the joy he finds in helping others and the joy they experience when they realize that success is achievable. He's a frequent speaker at conferences and universities, a featured guest on television news shows and podcasts, and a sought-after expert on real estate and investing for local and national business publications. His perspectives on real estate and equity markets are available via his weekly blog (mikesshapiro.com) and soon, his podcast will launch on ForbesRadio. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Todd “Bubba” Horwitz was one of the original market makers in the SPX Trading Pit at the Chicago Board of Options Exchange. Now he sees a financial meltdown coming which could be triggered by rising rates. Buy physical precious metals from Miles Franklin: Call us: 1-800-822-8080 Email us: info@milesfranklin.com

We are going to discuss different ways of accumulating Bitcoin. Getting Paid, Block Fi Credit Card. We will also discuss which wallet and exchange to choose based on your needs.Welcome back, tribe members! Today I'm discussing "How to Invest In Bitcoin - Options, Exchange, Wallet". If you enjoy this video feel free to SUBSCRIBE! Make sure to follow me on social media for even more coverage of the stock market.Link to our Discord: https://discord.io/bestofus​Follow Me: Facebook: https://www.facebook.com/BestofUSLLC/​Instagram: https://www.instagram.com/bestofusinv...​Twitter: https://twitter.com/BestOfUsInvest​Subscribe:https://www.youtube.com/channel/UC-hq...​We have Up-Graded Our Discord: Kerry's Portfolio, Trades and InsightsThis is the new link: https://discord.io/bestofus​. It is now organized by topics and will be easier to navigate and communicate.

“Every woman needs to be her own CFO because we are the stewards of Family Wealth” This may be an unpopular opinion but

Our guest Dr. Gene Frost serves as the executive director of the Wheaton Academy Foundation and the Wheaton Academy Institute, and also served as Head of School at Wheaton Academy from 2006-2018. He is an ordained minister who began his career as a youth pastor and Bible teacher in a Christian school, then spent 22 years in the business world. His diverse business experience includes being a pit trader on the Chicago Board of Options Exchange, a corporate trainer and a human resources executive.  Gene is the author of the book, Learning From the Best: Growing Greatness in the Christian School, and is founder of the Best Practices Conference for Aspiring Schools.  This interview covers a wide range of topics from comparing what Dr. Frost calls the old "common school model" with the new mindset of the "uncommon school model", as well as, best practices regarding things like leadership, and teacher evaluation, and training teachers to lead off the map.  To register for the Best Practices Conference for Aspiring Schools, (June 22 through the 24), go to wa-institute.org/conference. To subscribe to the Epic Friday Five Email, visit epic2.com/pages/contact. To submit questions for the C&C Q&A episode, call 833GOEPIC2, state your first name, where you’re calling from, and your question.

My Future Business Interview with GUS DAHLEH #realestate #stocks #futures #gusdahleh Hi, and welcome to the show! On today's My Future Business Show I have the pleasure of spending time with successful real estate developer GUS DAHLEH. Since starting out, Gus has gone on to acquire more than $50 million of commercial real estate assets, working with the likes of JP MORGAN CHASE BANK, AT&T, WALMART, SAMS CLUB, AND CUBESMART. Early on, Gus started out as an equity options trader at the Chicago Board of Options Exchange, and went on to develop proven option strategies for the U.S. 30 Year Treasury Bond and Gold Futures based on seasonal and technical patterns. Along with our discussion on gold and silver, futures and real estate investment, Gus also shares his thoughts on the corona virus pandemic, and talks about the impacts that he believes it will likely have on both local and international economies. The thing that stood out for me during the call, was when Gus talked about the pandemic being a short-term problem, and how it will actually create opportunities in many industry sectors. To learn more about maximizing the value of commercial and residential real estate, or to talk with Gus directly about any investment questions you have, click the link below. Thanks again Gus, for being my guest on The My Future Business Show! Rick Nuske PS: To get in front of your best audience and stay there, click the book your interview button below. Thanks for joining us on the show today, and if you liked this call, support the show by clicking on our big red YouTube subscribe button below, and share us with your friends. 

A Wall Street Journal (WSJ) article published today, Dec. 28, suggests that Bitcoin (BTC)’s correlation with traditional assets markets has been high in recent days. Citing data from research firm Excalibur Pro Inc., the WSJ states that the top cryptocurrency has traded at a 0.84 correlation to gold over the past five days, where -1 indicates complete inversion and +1 perfect correlation. Moreover, Bitcoin has traded at a 0.77 correlation to the Chicago Board of Options Exchange’s Volatility index (VIX), a benchmark index for the United States equity market volatility. While the WSJ frames the strong correlation between traditional markets and what the article dubs as the rebellious first cryptocurrency, Bitcoin, as something of an unexpected twist of fate, the article also offers several explanations as to why the pattern may have formed. The first is the reported influx of institutional money into the crypto space, with the WSJ citing the growth of Grayscale Investments’ over-the-counter exchange-traded fund (ETF), the Bitcoin Investment Trust, as a prime example. As per the article, the trust saw $51 million in assets under management (AUM) during its first year (2013). By the end of 2017, in the midst of the crypto market bull run, AUM had surged to around $3.5 billion. As of recently — due to the so-called “crypto winter” — the trust reportedly retains about $900 million AUM. Another factor proffered is venture capital (VC) investment. The WSJ reports that whereas in 2013, VC investment in Bitcoin and the blockchain sector was at around $96 million, this grew to $500 million in 2016 and to over $2 billion in all-time VC crypto investment through the end of 2017. The WSJ gives no fresh data for 2018. As the article notes, a pull factor for traditional capital into crypto is the building of trading services and infrastructure with high regulatory compliance; the advent of crypto futures trading, and attempts to gain broad acceptance for crypto-based ETFs. As reported, the crypto space continues to undergo far-ranging transformation; major developments on the horizon include the launch of the Bakkt Bitcoin futures exchange from Intercontinental Exchange, the launch of investment giant Fidelity’s digital assets business, and the continued influx of stalwart investors such as Yale, Harvard and Stanford Universities. --- Send in a voice message: https://anchor.fm/nolan-emmett/message

Consensus Network Weekly Cryptocurrency News 12/19/18 Cryptocurrency Market Capitalization: $125 Billion Bitcoin Price (Coinbase): $3791 Crypto Come Back or Dead Cat Bounce? Bitcoin was up just under 7 percent this week. According to theblockcrypto.com, senior market analysts believe that this might be the result of traders closing out short positions. According to Math Greenspan of eToro, “Closing short sell positions creates an upward pressure on prices. Evidence: BCH is up the most.” BCH or Bitcoin Cash has proven itself to be BTrash over the past month. Frankly, there is NO other reason for this rally right now. In fact, the global markets themselves are shaky. I do not subscribe to the idea that bitcoin is yet an uncorrelated asset. In times of uncertainty, people sell off speculative assets. Most of the world views bitcoin and especially other cryptocurrencies that way. My vote: dead cat bounce. There is no reason for a recovery right now.  Is the Bear Market Scaring Off Institutional Money? According to Bloomberg, JP Morgan analysts believe that the protracted cryptocurrency bear market is driving away institutional interest. The report sites decreasing interest in the open contracts on bitcoin futures at the Chicago Board of Options Exchange. Last month was apparently the lowest level of interest since the futures trading began in December of 2017. A similar sentiment was recently reported by Coinshares CSO Meltem Demirors.  In my view, that is what makes this crash “different”. Many crypto enthusiasts boast about seeing these kinds of corrections several times and not being phased by them. However, we were on the precipice of seeing bitcoin go mainstream. The crash, mainly triggered by a ridiculous battle between bitcoin cash rivals has hurt the ecosystem at large and I suspect will delay an ETF and other advancements of bitcoin within the Wall Street Ecosystem. Startup to Focus on Accepting Lightening Network Merchant Payments OpenNode, a startup backed by Tim Draper, raised $1.25 million to help build a new bitcoin payment platform that focuses on ease of use. The software essentially makes it very easy for merchants to accept bitcoin. What makes it different from Bitpay and Coinbase Commerce is that it allows for merchants to accept bitcoin through the lightning network— a second layer that allows for cheap instantaneous transactions of bitcoin off-chain. You can learn more about lightening network on our recent interview with Samson Mow of Blockstream. I love the technology and it will be interesting how it plays out. I’m also interested in understanding how bitcoin taxes will be paid if it is actually used for transactions. In other words, when you pay someone with bitcoin that has gone up in value, will that be a taxable event.  If you pay someone in gold, it is a taxable event. This could be a problem for mass adoption of bitcoin as a payment system in the US.

As bitcoin, blockchain and other distributed ledger technologies become more mature, you will see a lot of the same financial models as you do for traditional assets like real estate and stocks—models that have been around for a long time. For example, the earliest recognized futures trading exchange was the Dojima Rice Exchange established in 1710. And now, the Chicago Board of Options Exchange sells bitcoin futures contracts. Not too far in the future, you will see bitcoin treated like any other commodity in the financial markets. Whether that’s good or bad for crypto can be argued. But the irony is that the very system to which bitcoin was a response, the system run by the big banks, will also lead to its value exploding over the next few years. Obviously lending is a big part of the traditional finance world and it has already become an industry within the world of digital assets. One of the trailblazing companies leading the charge in this area is BlockFi—which has the support of many of the big players in the blockchain space like Mike Novogratz of Galaxy Digital. If you are a crypto HODLR like me, you are going to love this discussion. It’s a great option to hold on to something tax free and still use it keep your money moving into other investments. Shownotes:  Zac Prince’s background Journey to Blockfi Borrow against the value of your crypto asset Best rate available The ultimate protection Coming soon: Become a lender Blockfi.com

Tom Rubens was fearless, constantly getting into fights with classmates and always fighting authority. That’s why a job on the Options Exchange in Chicago appealed to him: tons of action, screaming, and jumping. But what he needed was to be his own boss. After over 40 years of owning and operating his own businesses, Tom is keenly aware of challenges small business owners face. His coaching practice, The Accountability Factor, helps them increase revenue, manage relationships and live harmonious lives.

The Options Insider's coverage of the 2015 Options Industry Conference continues with  an exchange update from Shelly Brown, MIAX Options Exchange

Trading Tech Talk 11: The Stealth Options Exchange CTO Interview Segment: Today's guest is Joe Corona, Director of Strategic Planning and Product Strategy at LiquidPoint, LLC.   He discusses: An overview of his background in the derivatives markets An overview of LiquidPoint, which is part of ConvergEx Group Who is the typical end user? Is it true that LiquidPoint would be the equivalent of the #7 options exchange if you aggregated all of the flow? What are the main LiquidPoint algo types and what area of the derivatives market are they aimed at? How does LiquidPoint's algo address the many issues associated with executing multi-leg spreads across exchanges? Will their spread algo go the extra step and take delta risk on behalf of the client to execute an order? Does he feel that we have reached the point of diminishing returns and increasing risk whenever a new venue is added to the marketplace? His response to the post-Flashboys hysteria - particularly on the subject of dark pools? What was the impetus behind the recent software merger with Actant? What was the impetus behind your merger with LiveVol?   The Inbox: Listener questions and comments Question from Neal Finn - You discussed the tech problems with Mini options on a recent episode. NASDAQ released a notice two weeks ago saying they will no longer add new series to the existing Minis. Do you expect other exchanges to follow suit? Is this the end of Mini options? Question from StandingO - The options insider complies a significant amount of unusual activity on a daily basis. I find some of the more obviously illegal trades disturbing, such as the recent well-timed trades in DG ahead of the Carl Icahn announcement. What sort of technology does the SEC and CFTC use to track these trades and trace them back to their source? Or am I living in a dreamworld and do these guys typically get away with it?

Trading Tech Talk 11: The Stealth Options Exchange CTO Interview Segment: Today's guest is Joe Corona, Director of Strategic Planning and Product Strategy at LiquidPoint, LLC. He discusses: An overview of his background in the derivatives markets An overview of LiquidPoint, which is part of ConvergEx Group Who is the typical end user? Is it true that LiquidPoint would be the equivalent of the #7 options exchange if you aggregated all of the flow? What are the main LiquidPoint algo types and what area of the derivatives market are they aimed at? How does LiquidPoint's algo address the many issues associated with executing multi-leg spreads across exchanges? Will their spread algo go the extra step and take delta risk on behalf of the client to execute an order? Does he feel that we have reached the point of diminishing returns and increasing risk whenever a new venue is added to the marketplace? His response to the post-Flashboys hysteria - particularly on the subject of dark pools? What was the impetus behind the recent software merger with Actant? What was the impetus behind your merger with LiveVol? The Inbox: Listener questions and comments Question from Neal Finn - You discussed the tech problems with Mini options on a recent episode. NASDAQ released a notice two weeks ago saying they will no longer add new series to the existing Minis. Do you expect other exchanges to follow suit? Is this the end of Mini options? Question from StandingO - The options insider complies a significant amount of unusual activity on a daily basis. I find some of the more obviously illegal trades disturbing, such as the recent well-timed trades in DG ahead of the Carl Icahn announcement. What sort of technology does the SEC and CFTC use to track these trades and trace them back to their source? Or am I living in a dreamworld and do these guys typically get away with it?

OIC 2014: Options Exchange Leaders The Options Insider brings you exclusive audio coverage of all the sessions at the 2014 Options Industry Conference. Next up is always a crowd favorite: Options Exchange Leaders. Featuring: Anthony Saliba, Moderator, LiquidPoint Edward Boyle, BOX Options Exchange Shelly Brown, MIAX Options Exchange Steve Crutchfield, NYSE Euronext Jeromee Johnson, BATS Options Gary Katz, International Securities Exchange Holdings Edward Provost, Chicago Board Options Exchange/C2 Thomas Wittman, NASDAQ OMX/NASDAQ OMX PHLX    

Your daily options news rundown for Wednesday, August 7, 2013.

The Options Insider's Coverage of the 2013 OIC Conference continues with The Options Exchange Leaders Panel. Moderated by Paul Jiganti of TD Ameritrade Featuring: Shelly Brown, MIAX Options Exchange Steve Crutchfield, NYSE Euronext Jeromee Johnson, BATS Exchange, Inc. Gary Katz, International Securities Exchange Tony McCormick, BOX Options Exchange Edward Provost, Chicago Board Options Exchange/C2 Thomas Wittman, NASDAQ OMX/NASDAQ OMX PHLX

Options Insider Radio 106: Interview with Tony McCormick, CEO of the Boston Options Exchange Taped live at the 2012 OIC Conference, Mark and Tony cover all the hot-button issues of the day, including: Going through the process of receiving the SRO NASDAQ’s recent competition Litigation around the PIP Specific updates to the order book Retail after-hours trading Thoughts on the mini Apple and max SPY

Exclusive 2012 OIC Conference Coverage: Options Exchange Leaders Panel Always a conference highlight, here is the Options Exchange Leaders Panel Moderated by Joseph Gawronski, President and COO, Rosenblatt Securities Inc.

Allen Maxwell and Scott Paton talk the latest in Financial news. Keeping you up to date in the world of Options and Forex.Option trading is probably one of the least understood forms of investment that however can offer a wealth of possibilities for those who get involved into it. Such major option trading markets as the Chicago Board of Options Exchange, the American Stock Exchange, the Philadelphia Exchange, the Pacific Exchange and the New York Stock Exchange in the USA as well as markets in London, Tokyo and other world megapolises make great profits in option trading as well as in forex currency options trading.Go to www.DayTraderCollege.com or www.WallStreetGenius.com for more information

Allen Maxwell and Scott Paton discuss the latest Stock news and how to trade when the stock market drops in value.Option trading is probably one of the least understood forms of investment that however can offer a wealth of possibilities for those who get involved into it. Such major option trading markets as the Chicago Board of Options Exchange, the American Stock Exchange, the Philadelphia Exchange, the Pacific Exchange and the New York Stock Exchange in the USA as well as markets in London, Tokyo and other world megapolises make great profits in option trading as well as in forex currency options trading.Go to www.DayTraderCollege.com or www.WallStreetGenius.com for more information

More on how to profit from Options tradingOption trading is probably one of the least understood forms of investment that however can offer a wealth of possibilities for those who get involved into it. Such major option trading markets as the Chicago Board of Options Exchange, the American Stock Exchange, the Philadelphia Exchange, the Pacific Exchange and the New York Stock Exchange in the USA as well as markets in London, Tokyo and other world megapolises make great profits in option trading as well as in forex currency options trading.Go to www.DayTraderCollege.com or www.WallStreetGenius.com for more information

Allen walks you thru the Wall Street Genoius softwareOption trading is probably one of the least understood forms of investment that however can offer a wealth of possibilities for those who get involved into it. Such major option trading markets as the Chicago Board of Options Exchange, the American Stock Exchange, the Philadelphia Exchange, the Pacific Exchange and the New York Stock Exchange in the USA as well as markets in London, Tokyo and other world megapolises make great profits in option trading as well as in forex currency options trading.Go to www.DayTraderCollege.com or www.WallStreetGenius.com for more information

Allen shares the ins and outs of Options trading using his program, Wall Street Genius. 65 minutes long and packed with greta insights into trading,Option trading is probably one of the least understood forms of investment that however can offer a wealth of possibilities for those who get involved into it. Such major option trading markets as the Chicago Board of Options Exchange, the American Stock Exchange, the Philadelphia Exchange, the Pacific Exchange and the New York Stock Exchange in the USA as well as markets in London, Tokyo and other world megapolises make great profits in option trading as well as in forex currency options trading.Go to www.DayTraderCollege.com

Discover how to tell a good trade from a poor one. Allen Maxwell talks with Scott paton about th eevents he looks for using real data on a randomly picked day.Option trading is probably one of the least understood forms of investment that however can offer a wealth of possibilities for those who get involved into it. Such major option trading markets as the Chicago Board of Options Exchange, the American Stock Exchange, the Philadelphia Exchange, the Pacific Exchange and the New York Stock Exchange in the USA as well as markets in London, Tokyo and other world megapolises make great profits in option trading as well as in forex currency options trading.Go to www.DayTraderCollege.com and www.wallstreetgenius.com

We discuss more day trading options strategies. What are your success criteria? And how can you achieve it using Options.Option trading is probably one of the least understood forms of investment that however can offer a wealth of possibilities for those who get involved into it. Such major option trading markets as the Chicago Board of Options Exchange, the American Stock Exchange, the Philadelphia Exchange, the Pacific Exchange and the New York Stock Exchange in the USA as well as markets in London, Tokyo and other world megapolises make great profits in option trading as well as in forex currency options trading.Go to www.DayTraderCollege.com

Today we discuss how to keep 'Road Rage' out of your trading day. Too often, emotions rule the trader's perceptions to their loss. PLus EMA indicators.Option trading is probably one of the least understood forms of investment that however can offer a wealth of possibilities for those who get involved into it. Such major option trading markets as the Chicago Board of Options Exchange, the American Stock Exchange, the Philadelphia Exchange, the Pacific Exchange and the New York Stock Exchange in the USA as well as markets in London, Tokyo and other world megapolises make great profits in option trading as well as in forex currency options trading.Go to www.DayTraderCollege.com

Option trading is probably one of the least understood forms of investment that however can offer a wealth of possibilities for those who get involved into it. Such major option trading markets as the Chicago Board of Options Exchange, the American Stock Exchange, the Philadelphia Exchange, the Pacific Exchange and the New York Stock Exchange in the USA as well as markets in London, Tokyo and other world megapolises make great profits in option trading as well as in forex currency options trading. Option trading is becoming more and more popular among individual traders, professionals and institutional investors as it may be extremely rewarding provided that the decisions are well-elaborated and grounded on research. Like all investments, option trading carries a certain element of risk. Raise cash safely and immediately... Let help you to make money quickly. So, what is option trading system all about? Basically, options are contracts concluded between two parties, the buyer and the seller, giving the former rights for the purchase or sale of some underlying asset, with specification of price and validity period. They are also called derivatives for two reasons: the first one claims that option trading derived from stock and futures trading; and the other one explains that option price always depends on (derives from) the value of the underlying (be it stock, index or some commodity). Option buyer (holder) can exercise his/her prepaid option to dispose of some financial product within agreed time interval but is not obliged to do it. On the other hand, option seller (writer) is obligated to agree to either of the buyer's decisions. An obvious advantage of option trading is that money can be made without large investments of capital. You can look for a more detailed Option Trading Definition in the respective article by clicking on the link.Calls and PutsThe two types of options are calls and puts:A call gives the holder the right to buy an asset at a certain price within a specific period of time. Calls are similar to having a long position on a stock. Buyers of calls hope that the stock will increase substantially before the option expires.A put gives the holder the right to sell an asset at a certain price within a specific period of time. Puts are very similar to having a short position on a stock. Buyers of puts hope that the price of the stock will fall before the option expires.