Pete Witte, EY Global Private Equity Lead Analyst, explores the key themes and market dynamics from 1Q 2023 that are top of mind for Private Equity (PE) investors. PE Pulse is a quarterly report and corresponding podcast miniseries that provides analysis and insights on private equity market activity and trends. Visit https://www.ey.com/pepulse to view this quarter's summary. In this episode, we will provide a quick rundown of what we're seeing in the private equity space. All the important themes and trends, and how today's macro environment is impacting PE – in terms of deployment, fundraising, financing, and some of the longer-term impacts.
Ted Bililies, Managing Director and Head of Global Transformation Leadership Practice at AlixPartners joins Devin again to review the findings of the 8th Annual PE Leadership Survey. Devin and Ted discuss where PE and Portfolio Executives agree and differ on what's most important in today's turbulent times. They talk about sprinters vs. marathoners, growers vs. grinders, and peace-time vs. war-time leaders. They also cover how technology adds to the challenges of scaling companies and the crisis of middle management and how to address it.
Crystal C. Shaw is the Chief Operating Officer for the Max McGraw Wildlife Foundation. She previously served as the Executive Director and CEO of the Illinois Conservation Foundation. Ms. Shaw spent her earlier career in real estate and executive search advisory and consulting assisting search firms and businesses with c-level recruitment within privately held and PE-backed companies across industries. Ms. Shaw holds a Bachelor's of Science in Human Environmental Sciences from the University of Missouri, Columbia. She currently serves as a committee member of the Chicago Downtown Chapter of Ducks Unlimited and co-founder of Shane's Anglers, benefitting Cal's Angels. She is a life sponsor of Ducks Unlimited and the Ruffed Grouse Society. She formerly served as an Auxiliary Board Member of the Sue Duncan Children's Center. Ms. Shaw enjoys spending time outdoors hiking, fly fishing and hunting. Links: www.mcgraw.org www.annieoakleyshootersni.org Show notes: 0:52 – What is inside Crystal's freezer? 1:51 – Overview of Crystal's background (three countries and eight states). 4:45 – Childhood adventures, hunting, fishing and upbringing. 8:13 – Hunting and fishing in Australia. 10:26 – Path to cofounding a nonprofit. 12:15 - Best path to obtaining a job in wildlife conservation? 14:00 - Tips for folks who want to reach and grow in the field of conservation. NETWORK! 14:52 - The Max McGraw Wildlife Foundation. 20:52 – Ding Darling was friends with Max McGraw! AND they both have a women's incitive! 22:46 - What is CLfT? 24:44 - Short break for a message from our partner, Prois, and our partner program, NWF Outdoors. Be sure to follow and support both on social media. 26:07 - Favorite field experiences. #DesertQuailHunting 29:20 - Biology, research and the urban coyote project! 32:15 – Fellowship and internship opportunities… reach out to Crystal directly! 33:08 – Crystal looks to the future of conservation. 39:08 – www.annieoakleyshootersni.org (Fall classic is Sunday, September 24th) 41:43 – Closing statements… hits and misses!
In this Episode I detail the game plan to getting shredded for the Bodybuilding Competition I did! ************************************************************************** FULL ONLINE FITNESS COACHING PROGRAM (WORKOUT AND NUTRITION PLAN!) GET IN SHAPE NOW!!!!! TAILOR MADE WORKOUT PROGRAM CUSTOM MADE NUTRITION PROGRAM IG: @masculine_health_solutions.pe Masculine Health Solutions YouTube Channel! How to Make Your Penis Bigger EBOOK Check out meCOACH for 1 on 1 penis enhancement training with a plan tailored to your needs designed by PE legend Aj "Big AL" Alfaro! Jelq2Grow the best Cream on the Market specifically made for PE and recovery! p-hanger.de PENIS HANGER where all MHS podcast listeners can go to get 20 percent off with the code MHS20.
Viene Abel De la Peña a contarnos todo sobre la cirugía de párpados y algunas otras que nos ayudan a vernos mucho más jóvenes pero descansados. La pandemia creó un fenómeno llamado el boom del zoom: en el que comenzamos a ver nuestra cara con más detenimiento en la pantalla y la comparamos con las de los demás. Un estudio descubrió que una foto tomada a 30 centímetros de distancia aumenta el tamaño percibido de la nariz en un 30% en comparación con el que se toma a 1.5 metros.
Investment Banking Recruiting Secrets of the Top 1%
How does full-time recruiting differ from summer recruiting? What should you prioritize? Like summer recruiting, having relevant experience whether it is in IB or PE is important. However, beyond this, networking strategically is key. Most banks prioritize summer analysts for full-time, filling up about 80-90% of positions. The ones left are recruited on a group-specific basis and oftentimes don't even post their job openings. Knowing which opportunities are available may come down to the connections you've made. Listen to this podcast to hear advice about the full-time recruiting process and what you should prioritize leading up to it. Book a Virtual Coffee Chat with an Upperclassmen Who Secured an Offer: wallstmastermind.com/apply?utm_source=podcastep282
Nakolik při přípravě hrají roli ekonomické analýzy a jasná data a nakolik politika? A může vlastně reforma nezaložená na tvrdých datech fungovat? Ekonomický reportér Václav Pešička se zeptá ekonoma Daniela Münicha z Cerge EI, který je zároveň členem Národní ekonomické rady vlády.
Becker Group C-Suite Reports Business of Private Equity
This episode features Kelly Finnell, President, Executive Financial Services, Inc. Here, he discusses his work in employee stock ownership plan (ESOP) consulting, why some businesses choose ESOPs over PE, what kind of businesses benefit more from ESOPs, what financing looks like, and more.
Join Phil Kitromilides, Sid Lowe & Alex Kirkland for this re-release of the third episode of our TSFP Presents series Cult Heroes. Originally published for patrons at patreon.com/tsfp in October 2019, we discuss two more LaLiga icons, Iván de la Peña and Germán 'Mono' Burgos.We're releasing a classic TSFP Presents episode every week here on the Monday podcast feed. For the full archive of 100+ episodes, plus our new series Rincón Cultural, join us at patreon.com/tsfp. We're now offering annual memberships with 10% off. Hosted on Acast. See acast.com/privacy for more information.
Commercial Real Estate Secrets
Dr. Keith Berend is senior partner at JIS Orthopedics, and chief medical development officer of Orthoalliance, which is the largest private equity backed MSO in the midwest.Orthoalliance has over 70 locations, thousands of employees and 200 providers. The orthopedic space is seeing consolidation at an incredible pace. PE backed healthcare groups can have a bad reputation, which is why its so important to choose a group that aligns with your values. Dr. Berend shares his experience of going from private practice to group practice, and what the future has in store for the orthopedic space. Get in touch:Berendkr@jisortho.comwww.jisorthopedics.comjoinorthoalliance.com If you need help finding the perfect location or your ready to invest in commercial real estate, email us at firstname.lastname@example.org. Sign up for a FREE vulnerability analysis and lease renewal services View our library on apple podcasts or REUniversity.org. Connect on Facebook. Commercial Real Estate Secrets is ranked in the top 50 podcasts on real estate
Susan Bratton "Intimacy Expert to Millions" is a champion and advocate for all those who desire intimacy and passion their whole life long. She is a spokeswoman for GAINSWave and FemiWaveand is co-founder and CEO of two corporations: Personal Life Media, Inc., a publisher of heart-connected lovemaking techniques and bedroom communication skills and The20, LLC., a manufacturer of organic and botanical supplements that enhance vitality. Susan has been featured in the New York Times and on CNBC and the TODAY Show. She makes frequent appearances on ABC, CBS, The CW, Fox and NBC. You can find The Susan Bratton Show® at BetterLover.com, her personal shares on Instagram@susanbratton, and her lust-for-life supplements, FLOW and DESIRE at The20store.com. web: SusanBratton.com Gainswave.com Femiwave.com fb:Susan Bratton insta:@susanbratton twitter:@susanbratton ************************************************************************** FULL ONLINE FITNESS COACHING PROGRAM (WORKOUT AND NUTRITION PLAN!) GET IN SHAPE NOW!!!!! TAILOR MADE WORKOUT PROGRAM CUSTOM MADE NUTRITION PROGRAM IG: @masculine_health_solutions.pe Masculine Health Solutions YouTube Channel! How to Make Your Penis Bigger EBOOK Check out meCOACH for 1 on 1 penis enhancement training with a plan tailored to your needs designed by PE legend Aj "Big AL" Alfaro! Jelq2Grow the best Cream on the Market specifically made for PE and recovery! p-hanger.de PENIS HANGER where all MHS podcast listeners can go to get 20 percent off with the code MHS20.
【主播的话】在母亲节，我们仪式性地歌颂母亲。与此同时，在当下的时代，我们拥有了重新思考母职的观念空间，母爱是伟大的，「母亲」也是成为的。我们和身边朋友这代人，也到了所谓的「婚育年龄」。我们之前聊过女性对婚育的犹豫和抗拒，这是真实的，与此同时，也有很多女性在充分知情的前提下，仍然做出生育选择，这也是真实的。在这个母亲节，我们邀请来了一个刚做了新手妈妈的好朋友，从真实的个体经验，聊聊女性「成为母亲」前后的考虑和挑战。在生育选择中，女性往往承担了更多的付出，更不用提后续育养中的「母职惩罚」。社会上流行的“催婚催育”，是否真的能提高女性生育意愿，或许要打上大大的问号。我们更为迫切需要的，是为那些有生育意愿的女性和家庭，提供更全面的社会支持系统。感谢官栈鲜炖花胶对本期节目的支持。【本期主播】孟常（@孟常）若含（@_若含）王磬（@王磬）【本期嘉宾】淇琪，PE品牌公关，前调查记者【本期剧透】4:20 为什么分享女性的个体经验非常重要9:05 做出生育决定的复杂考量21:39 可以养娃但不改变自己原有的生活节奏吗？28:37 爸爸参与育儿很重要，但妈妈往往承担更多38:50 女性生娃后的感受很积极，也应该得到充分表达51:00 男性就不擅长带娃吗？可能是借口57:30 我们需要怎样的社会支持系统？1:04:00 生育给女性身体带来的变化和影响1:09:00 我们这代人需要打破“养儿防老”的迷思【本期音乐】片头：岩田恭明 - 時の神殿跡片尾：岩田恭明 - ゾーラの里【Logo设计】刘刘（ins: imjanuary)【后期制作】方改则【互动方式】微博@不合时宜TheWeirdo商务合作可发邮件至hibuheshiyi@126.com或微博私信
Young people ask great questions about bodily changes so this episode focuses on questions asked about most boys (specifically questions about reproductive parts). To help explain answers to these body parts, Dr. Ryan Fisk is this episode's guest. Remember you can watch this episode on the Puberty Prof's YouTube Channel here. Dr. Ryan Fisk is a Director of Technology and a graduate-level professor on Long Island and the Lower Hudson Valley, NY. Previously, Ryan served as an educational technology specialist, a former high school director of instructional technology, and prior to that, as a health and PE teacher, department chair, and Varsity/JV coach. Ryan is passionate about high-quality, innovative health education programs, classrooms, and schools. He has co-authored two NYSED-backed publications, and his dissertation research, "Faculty Perceptions of Flipped Professional Development Practices in K-12 Schools" was published in May 2022. Ryan's most recent article, “The rise of ChatGPT and generative A.I. and what it means for schools” was published in the spring 2023 volume of the AASA Journal of Scholarship and Practice. Outside of school, you can find Ryan traveling and playing in the great outdoors with his wife and children. Connect with Ryan on Twitter (@ryan_fisk) or at www.fisk.nyc. For further help: download the TALK Puberty app, click here. purchase the book, Common Questions Children Ask About Puberty, click here. purchase the Puberty Chit Chat Cards, click here. See omnystudio.com/listener for privacy information.
Debate da Super Manhã: Todo mundo está presente de alguma forma nas redes sociais. Você já deve ter escutado essa afirmação, e ela, de certa forma, pode ser considerada verdadeira. O Brasil é o terceiro país que mais consome redes sociais em todo o mundo, com 131.506 milhões de contas ativas, segundo levantamento da Comscore. Para tentar limitar o que é veiculado na internet, e orientar a atuação das empresas de tecnologia, um projeto polêmico tramita no congresso nacional. É o PL 2630, mais conhecido como projeto de lei das 'Fake News'. No debate desta segunda (08) a comunicadora Natália Ribeiro repercute o assunto com convidados. Participam, o Deputado Federal (PT), Carlos Veras, o Deputado Federal (União-Pe), Mendonça Filho, e o Advogado Especialista em Direito Digital, Pedro Silveira.
Chcesz budować biznes tak, żeby nikogo nie zatrudniać? Opowiem ci o 5 rzeczach, które z mojego doświadczenia są ważne dla soloprzedsiębiorcy. Wierzę, że dzięki nim możesz zbudować biznes, nad którym masz 100% kontrolę i który będzie wspierał twój rozwój. Pełny opis odcinka MWF 427: https://l.malawielkafirma.pl/p-427 Polecane kursy: MWF Masterclass https://malawielkafirma.pl/mwf-masterclass/ Tworzenie oferty za pomocą ChatGPT (Landing Page + Chat GPT) https://mwf.imkreator.pl/landing-ai/ PodcastPro https://podcastpro.pl/ W tym odcinku: (3:49) 1. Soloprzedsiębiorca nie jest wyłącznie specjalistą (6:47) Jak rozwijać wiedzę specjalistyczną? (13:00) Jak rozwijać wiedzę biznesową? (16:44) 2. Soloprzedsięborca powinien być wymagającym, ale troskliwym szefem (19:23) W jaki sposób lepiej zarządzać samym sobą? (27:39) 3. Jednoosobowy biznes nie oznacza samotności – z kim warto budować relacje? (39:40) 4. Soloprzedsiębiorca powinien pokazywać publicznie, co potrafi (43:35) Jak rozdzielić darmowe treści od płatnych? (47:15) 5. Soloprzedsiębiorca powinien próbować nowych rzeczy – co i kiedy zmieniać? Polecane odcinki: 184: 7 zasad udanego inwestowania w siebie https://l.malawielkafirma.pl/p-184 350: Proste triki, jak produktywnie pracować z domu https://l.malawielkafirma.pl/p-350 260: Czy praca z domu może wykończyć psychicznie? https://l.malawielkafirma.pl/p-260 152: Jak mieć świetnych znajomych i udany biznes https://l.malawielkafirma.pl/p-152 232: Jak szybko testować pomysły biznesowe https://l.malawielkafirma.pl/p-232 Bądźmy w kontakcie: Newsletter: https://l.soloprzedsiebiorca.pl/p-427 YouTube: https://l.malawielkafirma.pl/p-youtube
This week on #Educrush, our guest Alora Popow shares the importance of both the Physical and Education portion of Physical Education. As a PE teacher herself, Alora shares her Philosophy of education, how classroom outcomes intertwine with outcomes in the gym space and how we can better utilize physical education to aid our instruction of class outcomes. Don't forget to sign up the Empowerment Ecosystem Summit! https://sites.google.com/view/empowermentecosystemsummit/home Alex on Twitter: @MrAlexNoel Natalie on Twitter: @natabasso Podcast on Twitter: @educrushpod Podcast on Instagram: @educrushpod
“My bias would be we're headed into a recession and that's likely to be an earnings contraction in corporate America and that is going to happen in commercial real estate as well.” - Ted Greene Today I am interviewing Ted Greene. He is the Investor Relations Manager at Spartan Investment Group who focuses on acquiring commercial real estate assets. Ted transitioned from equities to real estate after working in the field as a Fiduciary and Investment Advisor. I spoke with Ted at the Best Ever Conference and knew right then that I wanted him to join me on the podcast. I have in the past interviewed Scott Lewis, the CEO & Founder of Spartan a well as the President CIO & Co Founder Ryan Gibson who presented at FIBI Pasadena. Ted Greene: Started in the financial industry right out of college with Merrill & Lynch and after 24 years in the industry he ended that part of his career as a portfolio manager chief compliance officer. TOPICS COVERED IN THE EPISODE What is an equity investment Follow the economy How do large banks become at risk The story of Robert Citron The yield curve is inverted, what does this mean What happened with Silicon Valley Bank How low tenancy is affecting businesses and banking When do the Fed rate increases take full effect What is the treasury doing Recession trends Why the US government is lowering credit quality Understand the risk The mature investor vs the young investor and what they focus on The real question is how badly can I get hurt What is a PE ratio and how does it apply to earnings Is there a contraction in commercial real estate Are they trying to control hyperinflation What happened between 1977 and 1982 Equities vs real estate, which is the better investment vehicle What are the asset types that benefit from turmoil Internal rate of return and equity multiple, look this up The chain of payouts, who gets paid first What are the counter cyclical investments that perform well Why are bonds not a safe haven The Conference Board Listen now and find out how Ted found his Real Estate Breakthrough! The Real Estate Breakthrough Show with Christina Suter is where we talk about the reality of real estate, the mindset you need and the tips and tricks to get you moving forward in investing. Join us every other week and learn everything you need to know to invest in real estate on Youtube, iTunes, Spotify, and more. You can watch Glenn's interview on Youtube here. Find out more about Ted here: Website Spartan-Investors.com LinkedIn Ted Greene Email Ted@spartan-investors.com
The average millionaire has 7 income streams. We discuss 2 income streams today—ATMs and Car Washes. They're low touch, more passive than turnkey real estate investing. With ATMs, is cash use on the decline? Not among the demographic they serve. We discuss the future of cash use. Some ATM users pay a $3 surcharge to access a $20 bill. That's why it's profitable. You can buy a unit of five ATMs. They've provided a 26.1% cash-on-cash return and high tax advantages. It's returned $2,262 per month. Learn more about ATMs at: GREmarketplace.com/ATM Car wash profits are enhanced with a subscription model. Few on-site employees are needed. You can invest alongside a tech-forward car wash franchise, Tommy's Express Car Wash. The WSJ stated that no business other than car washes can create this much profit on a one acre lot. As society changes, EV, gas-powered, and diesel cars must all go through the car wash. ATMs and car washes demonstrate high operating margins and many tax advantages. You must be an accredited investor. Learn more about car washes at: GREmarketplace.com/CarWash Resources mentioned: Show Notes: www.GetRichEducation.com/448 Learn more about ATMs: GREmarketplace.com/ATM Learn more about Car Wash investing: GREmarketplace.com/CarWash Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Find cash-flowing Jacksonville property at: www.JWBrealestate.com/GRE Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” Top Properties & Providers: GREmarketplace.com Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free—text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold Speaker 0 (00:00:01) - Welcome to GRE! I'm your host, Keith Weinhold. It's been said that the average millionaire has seven different income streams. We're going to discuss two distinct income streams that you can add to your life today that lie on the periphery of real estate investing. They are low touch for you because they require little or no management. Today on Episode 448 of Get Rich Education. Speaker 2 (00:00:29) - You are listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education. Speaker 0 (00:00:52) - Welcome to G R E from Altoona, PA to Saskatoon, Saskatchewan, and across 188 nations worldwide. I'm Keith Weinhold. This is Get Rich Education. Well, you can't have just one income stream because that's entirely too close to zero. We're talking about two distinct income streams today. People really like the operator and his track record. In fact, he's a longtime friend of mine. We'll talk with him shortly next week. Here on the show, I'm gonna talk about the ways that you can raise the rent and add value to your property. But for today, besides the upside that gets many interested in these two income streams, most investments usually have pros and cons. So I'm gonna ask about the downside. In both, we're talking about the ability to add a couple thousand dollars to your residual income each month with the first of two income streams. Speaker 0 (00:01:51) - ATMs, yes, automated teller machines. Remarkably, the operator has never missed the monthly distribution or the pro forma return target. What about the future use patterns of cash? Yes. Green dollar bills. We will discuss that. It seems as though ATMs just don't care when there's disruption and chaos in the marketplace. They just sit there, do their business and provide you with consistent monthly cash flow. We'll discuss exactly how much inflation, not a big deal to ATMs recession, they can deal with that. Pandemic ATMs breezed right through it. Is the use of cash in decline? Well, not with the demographic that ATMs serve. How about the political party in power? That just doesn't matter in fact, and perhaps is a little sad. The demographic that ATMs serve is one of the fastest growing in the United States to this group, cash is still the currency of choice. Some of them are unbanked or underbanked. First, we'll talk about ATMs then after that, another diverse income stream for you. Speaker 0 (00:03:07) - What's it like to invest in ATMs and car washes and what's the direction of their future use patterns, for example, wouldn't cash use with ATMs B declining perhaps? Well, today's guest expert recently spoke about ATM and carwash investing at the Best Ever conference as alternative asset classes that can perform well over the next decade. And when he was finished speaking, there was a line formed at the back door waiting for him so that people could learn more. So settle in. Let's learn about what's happening. I'd like to welcome back onto the show, g r e, regular and super syndicator, Dave Zuck. Speaker 3 (00:03:43) - Keith, thanks for having me back on your show. It's good to be back and I'm looking forward to having this discussion. I love it. Speaker 0 (00:03:50) - Well, Dave, you know you've been here to discuss ATMs and car washes before, so we wanna get updates today, including what investor returns are like starting with ATMs. Really, that is a predominant thought about ATM investing today. It's that the use of this new technology like Apple Pay or coming cbd, CS, or even cryptocurrencies, are gonna cause cash use to decline. And I know that when you were here previously, we talked about year over year cash use and how that looks. So is that a question that you often get about just the use of cash that an at m spits out? Speaker 3 (00:04:24) - Yeah, so one of the challenges to the ATM space in investor's minds in accredited investor's minds is, well, I don't use cash anymore. I'm guessing you don't use much cash anymore. I don't hardly ever use cash, right? And so that must mean that other people aren't using cash. That is the same as an investor thinking, well, I don't live in a C-class apartment building, so I guess nobody invests in C-class apartment buildings, right? So one of the things yes, is cash use in decline. The answer is yes to our peer group. But when you consider the fact that our demographic, who we serve, what I'm saying, saying our peer group, I'm talking about you and I, Keith and probably everybody who's listening to this show, we use last cash and we did three years, five years, 10 years, 20 years ago. Sure. Okay. But that demographic of people that we serve is one of the largest, one of the fastest growing groups in this country. Speaker 3 (00:05:22) - It's when you really look at the facts. Look back in the early nineties, the Wall Street Journal, there's already a Wall Street Journal that talk about the death of cash. By the end of the nineties, cash wasn't gonna be around anymore. When I started, when I got in the ATM space 12 years ago, the kind of the talk on the street was, yeah, but you got Apple Pay and the Google Wallet and you got all these, this stuff coming on, cash is gonna be dead in two to three years from now. And the fact is, there's more than doubled the amount of currency and circulation today than there was 12 years ago. There's more currency in circulation today than any time in human history. And the peer group who we serve, the demographic who we serve, uses cash and almost transacts entirely in cash. And that's not going away. We've seen that increase. We've done a lot of market research, we see what's going on, but then we also see what's going on inside our own funds and how people are behaving. It's still a vibrant market. Speaker 0 (00:06:14) - Yes. And you and I have discussed before how some businesses and jurisdictions have tried to ban cash use, but those bans were repealed and it was brought back that you're able to use cash. And you brought up such a brilliant analogy. You as an investor out there, you might be interested in investing in a C-class apartment building, even though if you would do that, you'd probably be less likely to live in one. So yes, a lot of times you're with your circle of friends, you're in your peer group and you tend to think like they do and everyone lives just like you do. But when we talk about different demographic groups from people that you usually hang out with, one reason I've learned through dealing with you over the years, Dave, is that ATMs are so lucrative for ATM investors because this is going to seem incomprehensible to you, the educated listener, but many ATM users pay two to $3 just to get access to a $20 bill. Imagine paying $3 to get access to a $20 bill. And you're thinking, well, who would do that? No one that I hang out with would do that. That's 15% of 15% surcharge to go ahead and access your own money. But yeah, I mean that's one reason why these people are financially disadvantaged, but that's why it's lucrative. Speaker 3 (00:07:29) - Yeah. And for those people it's a way of life. And when you look at how a person's wage or ACH today, somebody works at a factory, their paycheck gets ACH right into their account. They transact in a lot of cash. You know, it saves them for two or $3. It saves them from getting in a car. Some of 'em don't even have a car or getting in into public transit and going down the road to a, the neighborhood bank where they bank at and then stand in line at a in front of a teller on a Friday night and to try and get, you know, 20, $5,000 in cash. You know that two or $3 to go down to the corner of convenience store. That's pretty inexpensive. But you're right. I mean, there's people who will pay two or $3 to get a $10 bill or $20 bill. It's just crazy. Speaker 0 (00:08:18) - Now Dave just gave an excellent example because some people might think, are you taking advantage of these people? You're actually helping serve these people and give them an option? And one thing that I know that you really prioritize doing, Dave, with these a t m investments you've been helping people with for years where they can come invest alongside of you, is that for your physical at m locations, you choose high foot traffic areas. Speaker 3 (00:08:44) - You've heard the saying, what's the three most important things about real estate and its location, location, location. Even more so in this investment because at its core this is a real estate investment. You're monetizing a two foot by two foot piece of real estate and you may be taken at two foot by two foot piece of real estate to its highest and best use. So you're monetizing that piece of real estate. But no, you're adding real value in a community and and serving a community, but it's a real estate play. Speaker 0 (00:09:15) - Now if you are the listener and the viewer out there, if you think cash is going to disappear completely in say seven years, well then you probably wouldn't be interested in investing in something like this. But the more you read and the more you learn, the more you're gonna be informed on that. So talk to us a little bit more about the future of payments. Dave, Speaker 3 (00:09:35) - You mentioned a seven year contract and that's what this is. It's a seven year deal. But when you consider the tax impact plus the first 12 months of cash flow and that first 12 months, you're getting about 60 to 70% of your principle back in that first 12 months from the time your cash flow starts, you're getting that first year's tax deduction, 80% right on the front end. You're getting about 60 to 70% of your principal back in that first 12 months. And then you've got an extra six years of cash flow behind that. So although it's a seven year deal, it's not like you have your money at risk for seven years. You get your money at risk count, the tax impact, you got your money at address for less than three years. It becomes a, not only is it a a really good cashflow and income stream play and you can start really beefing up your monthly cash flow, but it's also a tax plan. It's one of the ways that I keep myself tax efficient. You know, it's, you use that big chunk of depreciation in year one and you start getting yourself to the point where you're living the tax efficient life you start gaining on your wealth building journey. You can get momentum quick when you start applying some of those principles and using that depreciation offset, the tax liability and some other income. Speaker 0 (00:10:52) - We're talking about how investors get 80% bonus depreciation right there at the beginning of a seven year hold time. And Dave, is there a specific number of ATMs that a specific investor owns? Speaker 3 (00:11:08) - One unit is considered five or six ATMs and it matter, you know, it depends on what kind and sort of location. There's some ATMs that have dual monitors and there's two people using 'em at the same time. So it really depends on, on what ATM that is. But you're talking five or six ATMs for one unit. One unit is $104,000. We do sell half units now. So you can come in as low as $52,000, but that's how it works. You buy a unit of ATMs, you put 'em in our fund, we manage the fund for you, and you get a portion of that surcharge revenue. This is sort of a three-way split. You got the investor getting about a third of the income or 30% of the income. You get the store owner or the the location owner about roughly 30% of the income. And then you got the management company, which is where all the costs flow through. You get the management company getting about 40% of that income. So it's sort of a three-way split, but you're getting as close to the asset as you possibly can get without owning at yourself. And so you're just buying the units, you're paying us to manage them for you and making it totally passive. Speaker 0 (00:12:18) - As Dave and I have talked about on a previous show, people use ATMs for more than just accessing cash. There are more use cases than just accessing cash. But Dave, when we get back to the numbers and we talk about why you have so many repeat investors that have invested in a lot of ATMs with you years ago and wanna come back and do this more. And that is because this is a cash flow centric investment besides being tax advantaged. However, you as an investor, you shouldn't expect much appreciation on your six or so ATMs that you hold for this seven year or so hold period. Those things are almost fully depreciated in value by the end of your hold period. But this is a tax efficient, cash flow centric investment. So Dave, tell us more about how that looks for the investor, because I know this is actually a highly predictable income stream for investors. Speaker 3 (00:13:08) - It is highly predictable. We've never missed our monthly distribution payments. Yeah. And we've never missed our proforma and so highly predictable. And the depreciation, the way the depreciation works is it, it really you invest, you get that depreciation, you can use it to offset some other income and you got two choices. You can keep your income stream coming from your ATMs. You can keep that tax free for the first couple years or you can use that even more aggressively. You can use that depreciation, go off and and use it to offset the tax liability on some other income. At the end of the day, it's about living the tax efficient life down and getting out of those high tax brackets, getting out of that 37% tax bracket, moving yourself down into the twenties and the teen Speaker 0 (00:13:58) - Reducing your marginal income tax bracket with offsets from this investment. People really celebrate your track record. Tell us about those cash on cash returns and just about that income stream that one has historically gotten. Speaker 3 (00:14:14) - The cash on cash return is uh, right around 26. I think it's 26.1% cash on cash return. Yeah, the IRR is a bit lower. It's uh, right around a 20% i r r. And so you mentioned it earlier about how an at t m machine really actually does depreciate, like, and I'll give you sort of the analogy when you do, when you take depreciation against, let's say a multi-family apartment building and let's say 10 years down the road, you sell that multi-family apartment building for a gain, you not only pay tax on the gain, you also recapture all of that depreciation that you've used and, and now you get taxed on that as well. So it's very different in an at t m investment. In an at m investment, you don't recapture the depreciation, you get a tax break and that depreciation, you never recapture that. So you really need to almost count that into your total return because that affects your bottom line, that affects your tax impact and you never recapture it. And so you'll notice unlike brick and mortar where normally your cash and cash return is lower and your IRR is higher because you get that residue from sale here, it's flip flopped just totally different. And then you get a higher cash on cash return, a lower i r, but it's because of the loss of value of your equipment over that seven year period Speaker 0 (00:15:36) - In real estate, when you relinquish a property and sell it, unless you do a 10 31 tax deferred exchange, yes you have to pay back the depreciation that you were writing off all of those years. You don't have that obstacle, you don't have that problem with ATMs. And yes, you typically hear about IRRs, which all call synonymously total rate of returns in your real estate as being higher than what your cash on cash return is. But here, this is inverted. This is a cash flow centric investment. And part of the reason why is because your machines, they do go down in value over time. Why your cash flow stays at a steady high rate, 26.1% in this case, Speaker 3 (00:16:16) - It's been a fun asset class. And it's interesting, you know, you talk about how the depreciation works and you try to introduce somebody who's not real savvy on the tax side. You talk about how it works and how it will affect them, and then they see it on their tax return. It's like, oh my goodness, yeah that works. Like you said, I'm like, oh, well yeah, it becomes part of many of my investors' tax planning on an annual basis. It is part of my annual tax planning. And so it becomes one of those things where it's just easy to start kind of collecting 'em and, and making it sort of an annual thing where you just collect more at t ATM machines, keep yourself tax efficient and and really start building those massive income streams. Speaker 0 (00:16:57) - Well, you can learn more and get ahold of the proforma and learn more about ATM performance and the projected future use patterns and how to get started as investor if this interests you at gre marketplace.com/atm. Dave, thanks for the great update on ATMs. Speaker 3 (00:17:15) - All right, thanks Keith. Speaker 0 (00:17:17) - You listening to get rich education. We've got more with Dave when we come back on car washes. Why they're so lucrative, especially when you add a subscription model. I'm your host Keith Wein. Hold with JWB real Estate Capital. Jacksonville Real Estate has outperformed the stock market by 44% over the last 20 years. It's proven to be a more stable asset, especially during recessions. Their vertically integrated strategy has led to 79% more home price appreciation compared to the average Jacksonville investor. Since 2013, JWB is ready to help your money make money, and to make it easy for everyday investors, get email@example.com slash g rre. That's JWB real estate.com/g rre GRE listeners can't stop talking about their service from Ridge Lending Group and MLS 40 2056. They've provided our tribe with more loans than anyone. They're truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four plexes. So start your pre-qualification and you can chat with President Chaley Ridge personally though even deliver your custom plan for growing your real estate portfolio. firstname.lastname@example.org. Speaker 4 (00:18:44) - This is the Real Wealth Networks Kathy, Becky, and you are listening to the Always Valuable Get Rich Education with Keith Wine Hole. Speaker 1 (00:19:04) - Welcome Speaker 0 (00:19:04) - Back to Get Risk Education. Car washers are a remarkably lucrative real estate business. It's enhanced with a franchise model and selling subscriptions to car wash customers. That's how you get that recurring revenue. So a rainy week doesn't wash out your profits. In fact, in the Wall Street Journal it recently said, and I quote what they wrote here, there is no other operation on a one acre site that can do one to two and a half million dollars in sales and pocket half of that. So our guest expert, Dave, is back because he helps you get investment returns without having to actually operate the car wash yourself. So Dave, tell us more. I know for example, much like other real estate location of a car wash is vital Speaker 3 (00:19:53) - Even more so with this type of car wash because the whole system is set up to get you a quality wash in two to three minutes. It's designed to get you off the road and back on the road in less than three minutes. So if you can put a really good product like this carwash, everybody that I've ever talked to, whether it's a franchisee, an owner, a a subscription customer or a one-time user, everybody gives Tommy's express carwash a giant thumbs up. It's about volume and you put that on a busy street corner or you know, there's all kinds of metrics that we like and you know, it's, you gotta be where people are already going. You're not creating a an environment where you're drawing people to somewhere you want to. It's all about creating habits. On a Monday morning, my wife gets in her car and she, about eight 15 in the morning, she goes down to Wegmans about a 15 minute drive. Speaker 3 (00:20:50) - And I promise you if you would introduce her to Tommy's and she would get a car wash when she goes to Wegmans on that Monday morning, she would do that two or three times. She'd be a customer for life. Like she now created a habit kind of like a Starbucks creating a habit. So what we're doing is we're putting this asset in a really good location. Recreating an environment where you don't have to wait in line for 10, 15 minutes, five minutes, get your car wash. It's not one of those white glove people wiping your, it's automated. You get a really good quality wash in two to three minutes. You can get in and out quick. Speaker 0 (00:21:26) - You help partner investor money with a model that's proving itself with the Tommy's Carwash Express franchise like you just mentioned. So technology really adds the efficiency of getting cars through the carwash quickly in order to make this more lucrative. And Tommy's is very tech forward. For example, I know that customers buy subscriptions and they typically use a phone app Speaker 3 (00:21:52) - To the point of technology and efficiency. You know, you're talking, especially over the last three years now, what was one of the top concerns or one of the top challenges for employers was getting good quality people. I mean look no further when you go to busy restaurant and you know, I mean there there was some real challenges in finding good employees. One of the things, you know, and then this is due to some of the technology that you just mentioned. You know, we got, because of the systems and technology, we can run two to 300 cars per hour through the scar wash to get washed and maybe even better you can do that with two to three people on site. So very limited overhead in terms of wages employees, you can pay those employees much better because you don't have like 30 of 'em, you got three of 'em. And so really the whole business model, and it also comes back to what you shared earlier about the operating margins. You got 45 to 50% operating margins in this business. It's in terms of percentage, it's one of the most lucrative businesses that I know of and it's just fun business to be involved in. Speaker 0 (00:23:00) - Yeah. Now when you talk about moving two to 300 cars per hour through a car wash, are you talking about, you know, physically we think of a car wash Now are we talking about one long tunnel with the rate like that? Or are we talking about multiple bays? Speaker 3 (00:23:16) - Normally it's one long tunnel and the longer the tunnel, the more you can, you know, there's different speeds that you know the track will take you through. And there's different things inside the carwash you can activate depending on how busy, I mean it, it really is. They're real car wash nerves. I mean they're techies and it, they really did perfect this product to the point where let's say you have a 100 car wash hour where you're putting a hundred cars through in an hour and now now you get into the busy time where it's, you know, people are getting off of work where it, now you're ramping up to two to 300 cars per hour. The speed varies on the track and it's, you know, different features of inside the tunnel kind of kick in because of the volume. So there's a lot of automation, a lot of technology going on inside the wash Speaker 0 (00:24:02) - As society changes, you know, whether it's a gasoline powered car or it's an EV or it's diesel, they all need to go through the car wash. We're talking about that rate at which cars get washed, which is actually pretty important because if I'm a car wash customer, you're talking about your wife's habits earlier with washing her car. If I think about getting my car washed, but I see a long line over there, why might not even go in and use that car wash. And then I'll start to think, oh well what good is my subscription? So keeping that wash tunnel moving also keeps the line short besides increasing your rate of income. Speaker 3 (00:24:37) - Yeah, for sure. And there is, you know, talking about subscriptions, we're not all about subscriptions, but there's kind of a sweet spot and we figured out that sweet spot's somewhere into 55, somewhere between 50 and 60%. It's where you really want your subscription numbers to be. You don't want 100% subscription model. If you were at 90%, that means your subscription model, you're not priced right. Almost like charging $500 a month for your apartment building and you're always a hundred percent occupancy. It's not good. Speaker 0 (00:25:09) - It's a problem. Not Speaker 3 (00:25:10) - Joking. Yeah, that is a problem. Yeah. So that's sort of the things we're watching. We do want a nice mix of retail customers. We think kind of that sweet spots in that 50 to 60% subscription model range. Speaker 0 (00:25:22) - Oh that's a great point. And that's really interesting when you think about business models and a lot like apartment buildings, car washes are based on their income stream amount, but you're gonna have a different set of expenses with a car wash than you will. And apartment building of course, like you're going to have expenses for example, for water and detergent. Dave spoke a bit about how they keep the labor costs down by having fewer people on site, largely through the use of technology. So we're talking about an innovative car wash type here that's proven itself. Tommy's expressed car wash, their footprint geographically just keeps expanding and expanding and expanding. And in fact Dave, I know when we talked about this last year at least, that that time only Panera Bread in Chick-fil-A, they were the only two franchises that had higher sales revenue per location. Wow. Speaker 3 (00:26:11) - We're at number three and we're hoping to get to number two here in short order. But, uh, chick-fil-A, that's a hard one to beat , but uh, yeah, no, it's uh, one of the top performing franchises in the anti our country, Speaker 0 (00:26:24) - Chick-fil-A. Those two crucial pickles on that chicken sandwich. You know, it's, it's really hard to, to compete with there. You need a really efficient car wash to outdo that as far as it is on the investment end and how that actually looks like for one that wants to come alongside you and participate. Before we talk about what the returns look like, talk a a bit about how that is looking for current investors that are already in this investment. Since we first discussed this last year, Speaker 3 (00:26:52) - We launched this fund as a debt fund. We got into it fairly slowly. We were building a couple washes and we knew that it was gonna ramp up, but we had a lot of work to do on the front end. We were, we had lots that were under contract that we were working on permitting. So we started as a debt fund. We launched phase two as sort of a semi equity, I mean it was an equity fund but it, it sort of captain investor 1.75. You got all the depreciation. The depreciation was not, you didn't have to recapture the depreciation cuz you're dealing with a lot of equipment. In fact, car washes are very unique in that you can take bonus depreciation on the building as if it were equipment. Like you don't need cost sake studies, you don't need you just bonus depreciation the thing out like, you know, the entire building, like it was a piece of equipment right up front. Speaker 3 (00:27:39) - First year, that's rare. Yeah. And then we sort of ran through that model and we have eight operational sites today. We have seven more coming outta the ground right now. We expect to be somewhere around 20, uh, fully operational by the end of the year. And here's the exciting part, here's the fun part. We're we're looking to build a hundred of these in five years. Wow. And so to really ramp up and take us, get us into phase three and phase two worked great. Investors got all the depreciation, they got all of the cash flow. I'm working free by the way. They got all of the cash flow until they get to their 1.75 and then they exit, then the GP partners start making money. But that model why it worked very good and it's gonna get us to about 30 ish car washes. We're ramping up. Speaker 3 (00:28:33) - We wanna go under and we're retooling our model. Now that we've uh, got a little bit of experience under our belt, we see how our operations team is operating and see how these car washes are really taken off and really how our team has made these things perform. We want to go to a hundred and to get to a hundred, we're retooling the model. Our investors have spoken. They said, man, we really wanna be, you know, a little bit, kind of give some of that backside you talked about the Wall Street Journal article on Wall Street Journal came out and said that there's PE firms paying 18 to 20 x multiples on EBITDAs and it's just super aggressive. So our investors like to hear that, but they wanted a piece of the upsides. We listened to our investors, okay, we're rolling out an equity model. Speaker 0 (00:29:19) - And just to back up to jump in. So Dave had been talking about the debt side about how previously this was a raise on the debt side and now in the future going forward, this is how you can get in on the equity side investment of car washes. Speaker 3 (00:29:32) - It is an equity model and it's gonna allow the investors, it's gonna allow all of our investors to not only be a part of the backend, but there's gonna be a 10% preferred return. There's gonna be aggressive cash flow throughout the hold and the exit. Um, investors gonna be with us all the way through and be a part of that upside, be a part of the exit. Speaker 0 (00:29:54) - Talk to us about any of the threats that might be out there, whether that's threats to just the overall model of car washes five, 10 or 20 years down the road, and then what the competition is like Tommy's expressed car wash versus other car washes. What are some of the threats Speaker 3 (00:30:10) - We've seen, much like our investors have spoken and expressed their desires to be a part of the upside and we're getting ready to rule that out to 'em. The general public has given their opinion, uh, with their wallets. And so when you get to understand this model and, and how it works, and then you start paying attention to a lot of the other car washes out there and the look and appearance and how they work. And it takes longer and there's lines and you know, some of 'em are full service and you know, it's pretty inconsistent, but consumers have spoken and they want this product and Tommy's kind of the innovative leader in the car space. And so they're really all about just listening to the consumer and get them what they want. Consumers want a good quality wash for a fair price and they want to get it quickly and efficiently. And that's what we're delivering. So there's competition in the space. There's only one or two competitors of ours who we would say, okay, they are there so we're not building across the street. There's not really a need for us to be there if there's that competitor is there. But most of our competitors, if we were to put a Tommy's Express in a neighborhood, we would steal the show and we have what consumers want and they'll come to us. Speaker 0 (00:31:30) - When I think about long-term use patterns, Dave, just anecdotally I think of my own lifespan, I only seem to notice more car washes in cities as time goes on per capita. Not fewer. In fact, growing up my dad used to wash his car by hand in or right next to the garage or old Subaru legacy station wagon. Sometimes I would help him out. Well, he doesn't wash it anymore. It's more efficient to go drive through a car wash. That almost seems to be a vestige of yester year where you would regularly wash your own car in your driveway. Speaker 3 (00:32:02) - Well there's two things there. One is there's a lot more people live in an apartment buildings and, and less out in the country in suburbia. So the, even having the ability to wash your car in some places doesn't make sense. But there's another thing too. You know that by the time I started regularly using a car wash where I actually had to pay some organization to wash my car, I could have bought the car wash . Now, I mean you see it all the time. You got teenagers who's got a nice vehicle and they don't even think twice. They're going through and spending eight or 10 or 15 bucks to wash their car. And I was like, oh my goodness. Okay. But times are changing and it's becoming a standard thing to get your car wash, your car wash and forget the garden hose and the bucket and the soap, Speaker 0 (00:32:43) - The carwash I use most regularly, the highest tier one now costs $18. That's where they use, you know, rain X on the windshield and everything else. But as far as when it comes to the investor perspective, this is one of those investments, Dave, where you recently spoke at the conference that people are lining up at the back of the room to want to learn more because they're so interested in this investment. I know oftentimes car washes have high cash flow and high tax efficiency for the investors. So tell us about how that's expected to look here On the equity side, Speaker 3 (00:33:13) - You get a hundred percent bonus appreciation over five years. You get a big chunk of that in the first year because of the amount of development that we have in the fund, you're getting less than half of it the first year, around half of it, maybe just a little bit less than half of it the first year. So you get a big chunk of your depreciation in year one and then you get the rest of the depreciation and it's four years following that. It's a pretty aggressive on the depreciation side. But then on the cash flow side, 10% preferred returns. You've got multiples that are in the two and a half to three x in five to seven years, you're talking aggressive returns and you're talking aggressive, uh, bonus depreciation for tax impact, Speaker 0 (00:33:57) - You need to be an accredited investor. And what's the minimum investment? Speaker 3 (00:34:02) - So minimum investment is a hundred thousand dollars and you do need to be an accredited investor. Speaker 0 (00:34:07) - Tell us about the expected hold time. Speaker 3 (00:34:09) - We're modeling it five to seven years. So while a private equity firm and with Sam some pretty lucrative offers already, but we've seen, let me back up a second. So this industry is so fragmented that the biggest player in the room has accounts for about 5% of the global revenue. Wow. So that's how fragmented this space is. So there's real opportunity and institutions are desperately trying to get their foot in the door because they see that it's a recession resistant business. They see that it's a, it's got strong operating margin. The Wall Street Journal talked about that where, you know, just crazy operating margin. So they're desperately trying to get their foot in the door and get a foothold in the space and get a little traction in the space. They're not hardly any people who they can write a hundred million checks to. We're building a portfolio that somebody would be able to write a billion dollar check for in a couple years. And so when that happens, we feel like the more mature this space, the more mature this portfolio is, the more cream we can squeeze out for our investors. And so that's where we're going with it. We don't believe that we exit in two to three years, but it could happen. But we're modeling out for five to seven years Speaker 0 (00:35:30) - In case it takes that long to Sure. Get returns on the conservative side, five to seven years. And yeah, I, I learned a little something there. Okay. The biggest player in the space only has about a 5% share. Very fractured, much like real estate itself is well day's, one of our G R E marketplace providers, you probably already know that. So if you wanna learn more, I'd encourage it and see what makes this business so lucrative. You could do that at gre marketplace.com/carwash. Dave, it's really been stimulating to think about some of these alternative real estate investments. Thanks so much for coming back onto the show. Speaker 3 (00:36:07) - Thanks Rob me Keith. It was fun Speaker 0 (00:36:15) - On the ATMs with 100 4K invested that has recently generated $2,262 per month, 2262. And they've never missed the monthly distribution or their proforma return target. And if you go invest quite a bit more than that amount, there is something new to announce. And that is the existence of financing with ATM investments that has the potential to amplify your return some more. So with ATMs, it's a strong cash on cash returns and the I R R along with the quick return of capital, that's what's making it so popular. They have been delivering them to this group for more than a decade now. Now the operator, Dave, he's really proud of what they're doing and that's why he wants to give the opportunity for you to get on the ground in person and see just what they're doing. In fact, in only 10 days, there's a car wash and self storage investor tour. Speaker 0 (00:37:19) - Yes, it is a one day investor tour on May 18th in Columbia, South Carolina. And you are invited. You'll see a Tommy's Express carwash and Moore meet the team, ask questions about the business plan. There is no cost to attend. You can meet Dave there as well. You'll learn more about that and with hotel accommodations and everything else after you get the free investor report. At G R E Marketplace, we're talking about world class operators in the car wash space here. When you have multiple diverse income streams in your life, what you've done is you've made your income resilient. So to connect more and learn more and see proformas on adding an income stream to your life in the at m space, if that interests you, email@example.com slash atm. For car washes, visit gre marketplace.com/wash. Until next week, I'm your host Keith Wein. Hold. Don't quit your daydream. Speaker 5 (00:38:27) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education L L C exclusively. Speaker 6 (00:38:55) - The preceding program was brought to you by your home for wealth building. Get rich education.com.
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Domingo V Semana Tiempo de Pascua No es posible que los hijos De Dios caigamos en el juego de este mundo de creer que son más las cosas malas que suceden en nuestras sociedades,que Dios se olvido de sus hijos, que donde está El en medio de las tragedias. El asunto es que en realidad nos hemos alejado de Dios y al estar alejados de Él no podemos descubrir ni disfrutar de lo grande, bello y bueno que es siempre con nosotros... Lee los textos y no caigas en la trampa del mundo... Hch 6, 1-7 Sal 32, 1-2.4-5.18-19 1 Pe 2, 4-9 Jn 14, 1-12
În acest episod, vorbesc despre copilăria lui Nicolae Ceaușescu și ascensiunea lui înspre cele mai înalte funcții de partid. Aflat la București și muncind ca ucenic de cizmar, el e atras de mișcarea comunistă. Arestat de mai multe ori, tânărul arată o determinare și o fidelitate remarcabilă față de partid. La Doftana și în alte penitenciare, e luat sub aripa "greilor", care îl simpatizează. După intrarea în legalitate a partidului, prietenia cu ilegaliștii din închisori se dovedește a fi tare utilă, iar Ceaușescu devine, până la 36 de ani, al doilea om în Partid. Pe plan politic, e plăcut a fi omul care numește oameni în funcții. Viața devine și ea mai dulce, familia Ceaușescu bucurându-se de ani buni și fericiți.Support the show
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Do you work on the job site every day and think you don't have time or energy left over to study for your PE exam?
Colton begins the show with “The Breakdown” presented by First Bank by talking about the Raptors' loss to Peñarol in Round 10, he talks with Diego Magno about the progress the team is making, and All of the Rugby You Can Watch this weekend presented by Wintergreen (0:00-7:59). After “The Breakdown”, Colton chats with American Raptors wing Daytwon Sheridan about his wild two weeks of rugby, what it's like being one of the original XO players on the team, and how he's worked his way into the lineup and onto the Super Rugby Americas try leaderboard (8:01-28:03). Following the interview presented by O'Neills, Colton assigns some “Required Reading” presented by Maria Empanda, and closes the show with “The Loop” presented by Physio Pro (28:05-32:01). Follow on Twitter: @DNVR_Rugby Learn more about your ad choices. Visit megaphone.fm/adchoices
- Semana passada meu contador me ligou para dizer que não conseguia completar minha declaração do IR por conta da impossibilidade de emissão do extrato de pagamentos da aposentadoria no INSS. Algum erro no sistema. - Entrei no app para ver o que era, me pediram para atualizar dados do IR. "Você não precisa ir ao INSS" está lá escrito. Não vai, o app ficou indefinidamente girando numa página e a coisa não andou. Tentei pelo site, veio o aviso: "O senhor vai ter de ir à agência do INSS." Tenho de agendar o atendimento. - Atendimento agendado, para hoje pela manhã, lá vou eu para a agência. Até que a fila foi rápida. Aí me atende uma menina, com seus 20 anos, falado baixo, atrás de um vidro e de máscara. Dá uma olhada nos meus dados e balbucia: "O senhor vai ter de agendar para atualizar os dados do imposto..." Ela me diz que eu tenho de fazer aquilo que eu acabei de fazer. Eu estava na agência, na data agendada, para conseguir o meu extrato do IR. E ela diz que eu tinha de agendar de novo. E só tem data dia 18. Peço para chamar alguém que possa ajudar. Vem um garoto com seus 20 anos, pega meu RG e vai lá para dentro. Alguns minutos depois volta com dois papéis impressos, dizendo que eu tenho de agendar para retornar à agência para acertar os dados do IR. Eu argumento que era exatamente isso que eu estava fazendo ali, mas falo com uma porta. Alternativa: dar um murro no balcão, começar a gritar e fazer com que o segurança venha me acalmar. Ou me algemar. Ou entrar numa fila enorme para falar com o caixa, que tem seus 50 anos de idade e talvez possa ajudar. Talvez, sem qualquer segurança. Sistema que não funciona, funcionários desqualificados, NENHUM interesse em resolver o problema... e na fila um monte de velhinhos e velhinhas com suas bengalas e dificuldades de locomoção. Que talvez ouçam um "volte outro dia". Voltei para casa, sem meu extrato, com a certeza de que não existe a menor possibilidade do Brasil dar certo. Que dó do Brasil. Esta reflexão continua no vídeo. https://www.youtube.com/watch?v=saCPbjZqFvo Gostou? De onde veio este, tem muito mais. No Café Brasil Premium você se desenvolve como líder nutritivo, que não apenas lidera, mas atrai, inspira, educa e serve como modelo. São textos, livros, palestras, cursos, podcasts, jornadas de aprendizado exclusivas e uma comunidade de líderes e empreendedores nutritivos, criando o lugar ideal para sair da normose. Acesse https://canalcafebrasil.com.br/ e faça parte de uma comunidade que defende a liberdade!
Homeschooling Families by Teach Them Diligently
Summer time is upon us, and with it comes some great opportunities for building on what our kiddos have learned and the things they have enjoyed during the school year—but with a much more relaxed and natural approach. Rachel Figg is joining us today to talk all about Cultivating Curiosity In The Summer by exposing our children to music, art, stem, and pe, which are often things we can fail to get to in our regular homeschool days. We'll discuss the importance of these enrichment activities for our children's growth, as well as give insight into how incorporating these in the summer can enhance your next school year as well. PODCAST SPONSOR: Another great opportunity we can give our children is the chance to attend a camp, and I'm excited to share with you how your kiddos can Launch their Faith at Word of Life Camps. With nonstop, high energy activities, engaging speakers, and dynamic worship, you'll experience a connection with God like never before. Word of Life has Family Camps, Youth Camps, and retreats in both Upstate New York and the West Coast of Central Florida. Visit camps.wol.org for more information and register for the best summer ever. TOPICS COVERED IN THIS EPISODE: How to see learning as much more of an interconnected web rather than stand alone lanes. How to use our summer to introduce our children to new concepts and opportunities that may ignite passions we never knew existed. How can we get more wonder and curiosity in our homeschools? How can including subjects like Art, Music, PE & STEM open the doors to wonder and curiosity for kids? How can we help our kids develop new passions? See omnystudio.com/listener for privacy information.
As we continue exploring the world's “super-allocators”, we're learning how different they are in approach and dispersed in investment decisions. In this episode we examine these questions through the prism of one of the largest US public pension plans, The New York State Common Retirement Fund, with over $250 billion in assets and more than one million members (as of 31/03/22). Anastasia explains her switch, after several years, from sell-side to buy-side, and from private to public. She discusses why the Fund is widely regarded as one of the nation's best-managed and best-funded pension plans, their objectives, restrictions and where and how they prefer active over passive. She describes the infrastructure component, real assets, PE and overseas investing as well as why emerging managers are considered an important element in their portfolio construction. Finally, she acknowledges the limitations that come with managing such a large pool of capital in terms of mobility when compared to an endowment, but equally explains their reach, reputation and results. Sign up to our newsletter for more in-depth insights | Follow us on LinkedIn The Money Maze Podcast is kindly sponsored by Schroders, Bremont Watches, LiveTrade and Mintus.
Today on the Ether we have Homestead the Pleb hosting Ape Alliance Airwaves. You'll hear from Cosmos Ape Alliance, María, crypto_pupa, H Y(A.I.) P E, and more! Recorded on May 4th 2023. If you enjoy the music at the end of the episodes, you can find the albums streaming on Spotify, and the rest of your favorite streaming platforms. Check out Project Survival, Virus Diaries, and Plan B wherever you get your music. Thank you to everyone in the community who supports TerraSpaces.
Janett Arceo y La Mujer Actual
Hoy con Janett Arceo y La Mujer Actual:¿Vale la pena comprar un celular usado?... Escucha al Cesar de la Tecnología.Rodrigo de la Cadena “El último Bohemio” nos invita a celebrar 20 años de carrera artística.Platicaré con Susana Cueto y Leonor Gómez Otegui acerca de Presidentas A.C.Lo mejor de la cartelera cinematográfica con José Antonio Valdés Peña.Elisa Gaona, médico pediatra, presenta su libro:”Crianza sin gurús. Guía y acompañamiento para padres primerizos y reincidentes”Janett Arceo y La Mujer Actual es uno de los pocos programas radiofónicos que desde 1982 y hasta la fecha actual se mantiene en el cuadrante,constituyéndose en un concepto de gran éxito gracias al talento y experiencia de la mujer que le da vida a la radio y televisión y a su gran familia de especialistas quienes, diariamente, apoyan al auditorio y lo motivan a elevar su calidad de vida. La Mujer Actual es el único concepto radiofónico que ayuda a lograr la superación integral de la familia en las diferentes etapas de su vida y, diariamente, realiza un recorrido por ámbitos tan diversos como desarrollo humano, nutrición, salud (en todas las especialidades), asesoría legal, neurociencias, finanzas personales, estimulación temprana, escuela para padres, hábitos y técnicas de estudio, bolsa de trabajo, turismo, entretenimiento, gastronomía, sexualidad, tecnología, astronomía, belleza, moda, astrología y más.La Mujer Actual siempre está a la vanguardia, por eso atendemos puntualmente las necesidades del público con teléfonos abiertos y nuestras redes sociales, creando así una completísima revista radiofónica en vivo. La Mujer Actual es pionera en programas de contenido para la familia, por eso muchos han intentado imitarlo, sin embargo, gracias a su estilo único no solo ha permanecido sino que continúa siendo uno de los programas preferidos que ha evolucionado al ritmo de los tiempos. Esto se debe en gran medida a su conductora Janett Arceo, que gracias a su frescura y a su capacidad de convertirse en la voz del auditorio, ha logrado consolidar una fórmula de comunicación verdaderamente exitosa, donde interactúan el público, la conductora y el especialista, basándose en un principio fundamental: ¡la prevención!
Better At Work with Cathal Quinlan
In episode 20, we chat with Kate Goodger about the approaches to unlock our best performance ever. Formerly a PE teacher, Kate is one of the most experienced performance psychologists in Olympic sport in the UK having worked with Team GB athletes and medallists at seven Olympic Games. She has also built a reputation as a high-performance coach and facilitator with leaders and executives in European and global businesses. Clients have included LEGO, Morgan Stanley, Pfizer, ASDA, and Laing O'Rourke. We discuss: Taking time to know 1) who you are, 2) what really matters and 3) where you belong How the strongest athletes have the best relationship with failure The Psychology & Biology of Performance The biggest barriers that prevent people from improving their own performance How to be proactive and nurture our sense of belonging Plus, Kate puts Cathal on the spot for his views on some topics This is a fantastic discussion from a thoughtful, present, and very articulate Kate, we hope it helps with improving your performance. And in let's take this offline, Annette Sloan and I break down the three biggest takeaways, plus we answer a question from our listener Natasha, on the impact an error she made at work is having on her. Get in touch: Cathal@betteratwork.com.au or https://betteratwork.com.au Get in touch on Instagram: https://www.instagram.com/betteratwork_/ Get in touch on LinkedIn: https://www.linkedin.com/in/cathal-quinlan/ Send us a question or leave us a voicemail: https://betteratwork.com.au/contact-us/ About Kate LinkedIn: https://www.linkedin.com/in/kate-goodger-phd-c-psychol-7ba6b379/ Speaking: https://raisethebar.co.uk/speaker/dr-kate-goodger/See omnystudio.com/listener for privacy information.
The Balancing Act with Dr. Andrew Temte
The second guest in our miniseries - The Balancing Acts Leaders Play - is Ed Overholt. Ed is a rising star in the engineering consultancy space and is regional director with Campos EPC - the leader in the energy infrastructure space. Ed holds the PE and PMP credentials, is a graduate of the University of Colorado at Boulder, and is intensely focused on the success of his clients and his colleagues at Campos. Tune in to episode 88 to hear Ed's story, the key moment that put rocket boosters behind his career, and the balancing acts that he's playing as his career accelerates.
On this week's episode, Christine and Shannon chat about the connection between body, mind, stress, and performance anxiety. Then, guest interviewer Bob Curley chats with Dr. Sarah Mellecon about premature ejaculation (PE) and the relationship between mental health and sexual performance. Follow us on social @sexeddebunked or send us a message at firstname.lastname@example.org
(A 2ª parte da conversa sobre nutrição com Vítor Hugo Teixeira e Pedro Carvalho sai no episódio #145.) João Zilhão é arqueólogo, actualmente Investigador Coordenador na Universidade de Lisboa. Anteriormente, foi professor em várias universidades, incluindo a de Bristol e de Barcelona. Em 1996, foi nomeado pelo governo português para coordenar a criação do Parque Arqueológico do Vale do Côa e, em 1997, tornou-se Diretor do Instituto Português de Arqueologia. É conhecido por suas pesquisas sobre a arte rupestre paleolítica e por descobertas importantes, como os mais antigos restos de humanos anatomicamente modernos da Europa, encontrados na Roménia. -> Apoie este projecto e faça parte da comunidade de mecenas do 45 Graus em: 45grauspodcast.com _______________ Índice (com timestamps): (4:46) Qual é, verdadeiramente, a relação entre sapiens e neandertais? | o problema de faltarem fosseis ‘no meio' | Richard Dawkins e a tirania da mente descontinua | Aborígenes da Tasmânia | América nunca esteve isolada? (um, dois, três) | Criança do Lapedo | Artigo de Trenton Holliday sobre o tempo necessário para a formação de uma espécie diferente (36:52) A importância da História para entender as ideias que se formaram sobre os Neandertais (frenologia) | Os Neandertais eram menos inteligentes? | Capa da revista Science | Porque predominam em nós os genes Neandertais? (56:26) Quando os geneticistas se juntaram ao jogo. (Svante Pääbo) ADN mitocondrial (1:06:36) Temos mais antepassados neandertais XX ou XY? | Houve confrontos entre sapiens e neandertais? (1:14:06) Grandes descobertas que podemos esperar no futuro? Enigmáticos vestígios Neandertais na gruta de Bruniquel, em França Filme recomendado: The Neanderthal Man (1953) _______________ O modo como olhamos para os Neandertais é das áreas da ciência em que as coisas mais mudaram ao longo das últimas décadas. Até há não muito tempo (e é essa ainda a imagem que persiste em muito do imaginário popular), acreditava-se que os neandertais eram, basicamente, hominídeos primitivos e abrutalhados, uns antepassados remotos da nossa espécie, ainda com um intelecto mais próximo dos animais do que do da nossa cognição avançada. Nas últimas décadas, várias descobertas arqueológicas (e a própria mudança mais ‘cultural' no modo como olhamos para a diversidade humana) têm vindo a mostrar que esse entendimento estava errado, de pelo menos duas formas. Primeiro, sabemos hoje que os Neandertais não são nossos antepassados, mas sim nossos primos: coexistiram com os humanos que vieram de África, e cuja morfologia se parece mais com a nossa. Segundo, e relacionado com isto, os Neandertais estavam longe de ser estúpidos, como até ali se pensava, e há cada vez mais vestígios arqueológicos, como arte rupestre, a mostrar que tinham cultura e eram capazes de pensamento simbólico. Mas talvez tenhamos de levar esta revisão do nosso entendimento sobre os Neandertais ainda mais longe. É isso que propõe o convidado deste episódio. João Zilhão é arqueólogo e um dos principais investigadores mundiais na área da paleoarquologia. Actualmente, é investigador coordenador na Universidade de Lisboa e foi anteriormente professor em várias universidades, incluindo Bristol e Barcelona. Em 1996, foi nomeado pelo governo português para coordenar a criação do Parque Arqueológico do Vale do Côa (onde estão as famosas gravuras) e, em 1997, tornou-se o primeiro Diretor do Instituto Português de Arqueologia. O convidado propõe, então, uma interpretação ainda mais radical da nossa relação com o Neandertais. Primeiro, argumenta que quanto mais evidência arqueológica encontramos mais percebemos que os Neandertais não eram assim tão diferentes da população de sapiens da que veio de África, e, por isso, não os podemos verdadeiramente considerar uma espécie diferente. Segundo, diz que se olharmos sem preconceitos para os vestígios neandertais que nos chegaram, não há nenhuma razão para supor que fossem menos sofisticados cognitivamente do que os sapiens vindos de África. E, por isso, faz também sentido que tenha havido cruzamentos. É verdade que os genes que prevalecem no nosso genoma (entre 96 a 98%) são os dos sapiens vindos de África, mas isso, segundo o João, é meramente resultado da discrepância de números entre as duas populações. Esta tese do convidado é provocadora e está longe de ser consensual no meio da paleoarqueologia (a ver vamos o que as próximas descobertas trazem). Mas os argumentos em que ele a sustenta são, na minha opinião, um exemplo prático de pensamento crítico aplicado à Ciência e, também, já agora, dos deméritos da hiper-especialização que já abordei noutros episódios. _______________ Obrigado aos mecenas do podcast: Carla Caçote, Ana Rita Nogueira, Henrique Pais, Francisco Hermenegildo Diogo Ramos, Bruno Heleno, João Almeida Coelho, Henrique Valente, Catarina Pechincha, Paulo Encarnação , Sandra Ferreira , Hélio Bragança da Silva, João Domingues, Carlos Pires, Tiago Goncalves, Manuel Canelas, Fernando Nunes, Luis Fernambuco, Cesar Carpinteiro, Helder Miranda, João Ribeiro, Nuno e Ana, Miguel Marques, Corto Lemos, Galaró family, Carlos Martins, Tiago Leite, Abilio Silva, João Baltazar, BFDC, António Mexia Santos, Pedro Gaspar, Ivo Loureiro, Rita Carvalho Rodrigo Antunes, Pedro Lemos Silva, Andre Soares, Rui Caetano Garcês, Inês Águas, João Morais, Zé da Radio, Tiago Sequeira, Lígia Violas, Nuno Brites, Paulo Barros, Bernardo Vidal Pimentel, Carlos Nobre, Armindo Martins , João Vieira dos Santos, Ruben de Bragança, António Rocha Pinto, Alberto Alcalde, Joao Alves, Geoffrey Marcelino, Luis, Maria Pimentel, RB, Mário Lourenço, ARUNE BHURALAL, Ana Teresa Mota, Andreia Esteves, Rafael Santos, Francisco Fonseca, João Nelas, Carmen Camacho, Tiago Queiroz, António Padilha, Rita Mateus, Daniel Correia, Joao Saro, Tomás Costa, Bernardo Cortez Ana Padilha, Alexandre Pinto, Luís Viegas, Josué Amoroso, Miguel Santos, Nuno Germano, Rui Rodrigues, Luís Caldeira, Bruno Maia, afonsori 00, Luis, Pedro Manuel da Eira Coelho, Nuno Barbosa Morais, Margarida Pontes, Cristiana Campos, Elsa Caetano, Márcia Filipa Alves Serra, Miguel Duarte, Tiago Rodrigues, Cristina Loureiro, Joao Gama, José Alberto Gomes, Rodrigo Silva, Duarte Cameirão, Teresa Painho, Marta Mendonca, Paloma Nunes, Paulo Rafael, Filipa Portela, Diego Goulart, Andrzej Stuart-Thompson, Mariana Portela , Luís Machado, Ricardo Trindade, Ana Leal, Cláudia Gomes Batista, Alexandre Alves, Carlos Castro, David Palhota, Carlos Branco, Francisco Seabra Guimarães, RJ, Ricardo Sousa, Tomás Lucena, Fábio Videira Santos, Rui, Helena Pinheiro, Margarida Costa Almeida, Tiago Agostinho, Miguel Jacinto, Inês Ribeiro, Sofia Ferreira, JC Pacheco, Catarina Fonseca, Pedro On The Road, tati lima, Gonçalo Baptista, Joana Pereirinha, João Lopes, Bruno Pinto Vitorino, Zé, miguel farracho, Rita Noronha, Teresa Pimentel, Tiago Pedroso, Sérgio Nunes, Telmo Gomes, Inês Inocêncio, Hugo Ramos, Antonio Loureiro, Pedro Bravo, Beatriz Bagulho, Tiago Stock, Fábio Monteiro, paulo matos, Joao Barbosa, Cloé Leal de Magalhães, Tomás Saraiva, Rui Antunes, Nuno Malvar, Pedro L, Ana Rita Laureano, João Diamantino, João Farinha, Henrique Vieira, André Abrantes, Hélder Moreira, José Losa, João Ferreira, Rui Vilao, João Pereira, Maria Oliveira, Pedro Gaspar, Cristiano Tavares, Cesar Correia, Luis Gomes, Patrícia Esquível , Daniel Almeida, Bruno Lamas, Francisco Manuel Reis, Diogo Rombo, Paulo Ferreira, Macaco Quitado, Manuel Martins, Lara Luís, Francisco Santos, Ana Sousa Amorim, Antonio Albuquerque, Maria Francisca Couto, Renato Mendes, João Barbosa, Robertt Valente, Afonso Martins, João Pinho , João Crispim, Joao Diogo, Jose Pedroso, José Oliveira Pratas, Telmo , Vasco Lima, Tomás Félix, Duarte , Ricardo Duarte, Miguel Palhas, Pedro Rebelo, Nuno Gonçalves, Mariana Barosa, Francisco Arantes, João Raimundo, Luis Marques, Joana Margarida Alves Martins, Tiago Pires, David , Salvador Cunha, Vasco Sá Pinto, Ana Cantanhede, Artur Castro Freire, Rui Passos Rocha, Pedro Costa Antunes, Sofia Almeida, Ricardo Andrade Guimarães, Daniel Pais, Miguel Bastos, Luís Santos, Ricardo Migueis, Margarida Santos, João Ribeiro, Paolo Dal Maso, Nuno Costa _______________ Esta conversa foi editada por: Hugo Oliveira _______________ Bio: João Zilhão (Lisboa, 1957) é, desde 1 de Setembro de 2022, Investigador Coordenador na Universidade de Lisboa. Antes da actual nomeação, foi ICREA Research Professor na Universidade de Barcelona (2011-2022) e Professor of Palaeolithic Arqchaeology na Universidade de Bristol (2005- 2010). Anteriormente, leccionou na Universidade de Lisboa e, temporariamente, nas Universidades de Bordéus I, Paris I e Toulouse Le Mirail. Em Janeiro de 1996, foi nomeado pelo governo português para organizar a criação do Parque Arqueológico do Vale do Côa, coordenar a investigação científica realizada para estabelecer a cronologia da arte rupestre paleolítica do vale, e preparar a candiatura do sítio a Património Mundial (estatuto que viria a ser alcançado em Dezembro de 1998). Ainda em regime de comissão de serviço no Ministério, assumiu de seguida, em Maio de 1997, as funções de Director do Instituto Português de Arqueologia (IPA), direcção-geral então criada para supervisar a atividade arqueológica no país, funções que exerceu até regressar à vida académica a tempo inteiro, em Maio de 2002. Em 1998, dirigiu a escavação de salvamento da sepultura infantil de Lagar Velho (Portugal), datada do Paleolítico Superior inicial e, em 2004-2005, a investigação arqueológica da Peştera cu Oase (Roménia), onde foram encontrados os mais antigos restos de humanos anatomicamente modernos da Europa. Foi o Conference Organiser do Congresso Anual da Associação Europeia de Arqueólogos, realizado em Lisboa no ano 2000, e foi membro da Comissão Executiva dessa associação entre 2003 e 2006. Em 2003, foi galardoado com um Humboldt Foundation Research Award (instituição anfitriã: Universidade de Colónia) em reconhecimento dos seus "êxitos académicos (no ensino e na investigação)". Em 2005, foi galardoado com o Prémio Europa da Sociedade Pré-Histórica de Londres, em reconhecimento pelo seu "contributo significativo e duradouro para o estudo da Pré- História europeia". Em 2012, o seu perfil de investigador foi publicado na revista "Science" (https://doi.org/10.1126/science.337.6095.642).
Simon Shares Implats (JSE code: IMP) trading update saw production down and costs up. That's squeezing margins and going to hurt. Kumba (JSE code: KIO) nice boost in production, but iron ore prices are falling. Will hurt Afrimat (JSE code: AFT) as well. Combined Motor Holdings* (JSE code: CMH) results sees them on a PE of under 5x and DY of ±13%. But return will be mostly from dividends, ±650c over next thirteen months = ±22%. Renergen* (JSE code: REN) results. Smaller loss, but no profit as they ramp up Phase 1. A deal with Timelink for LNG and contracts with Consol & Italtile most of Phase 1 LNG (±50 tons a day) is under contracted sale. MTN (JSE code: MTN) update from Ghana and Nigeria look good. On PE ±11x, stock is cheap, albeit not without risks (always for MTN). All my index trades have been stopped out. * I hold ungeared positions. Simon Brown
Influential Entrepreneurs with Mike Saunders, MBA
Stefan lives and breathes asset analysis and valuations. Before co-founding Alts, he created a Due Diligence Service for evaluating website & micro PE deals. In his spare time, he enjoys record collecting and managing his short-term vacation rentals. Originally from Boston and later Santa Barbara, CA, he now lives with his wife in Australia.Learn more: https://alts.coInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-stefan-von-imhof-co-founder-of-alts
Are all group practices just “group practices?” We talk about PE-backed DSOs, but what about the market we focus on? Well, no, all group practices aren't alike and they all have different objectives, challenges and potential outcomes. Here's the way we size it up and some things for you to consider based on our analysis! Are you a subscriber? Join our Newsletter here: https://www.polarishealthcarepartners.com/podcast
Running Stuff, a Peterson Partners podcast
Founder and CEO of SaxeCap Amrit Saxena joins Dan Hanks. SaxeCap is an AI transformation and investing holding company that partners with PE funds to buy out and transform companies with AI and automation technology. Amrit is a Stanford-educated artificial intelligence entrepreneur, has sold two enterprise AI companies before founding SaxeCap, and has invested in 200-plus technology startups over the past decade. We hope you enjoy this episode.
COMPLETAS MARTES PASCUA (Oración antes del descanso nocturno) INVOCACIÓN INICIAL V. Dios mío, ven en mi auxilio R. Señor, date prisa en socorrerme. Gloria al Padre, y al Hijo, y al Espíritu Santo. Como era en el principio, ahora y siempre, por los siglos de los siglos. Amén. Aleluya. EXAMEN DE CONCIENCIA V. Hermanos, habiendo llegado al final de esta jornada que Dios nos ha concedido, reconozcamos sinceramente nuestros pecados. V. Señor, ten misericordia de nosotros. R. Porque hemos pecado contra ti. V. Muéstranos, Señor, tu misericordia. R. Y danos tu salvación. V. El Señor todopoderoso tenga misericordia de nosotros, perdone nuestros pecados y nos lleve a la vida eterna. R. Amén. Himno En ti, Señor, reposan nuestras vidas en el descanso santo de la noche; tú nos preparas para la alborada y en el Espíritu Santo nos acoges. En apartadas y lejanas tierras el sol ha despertado las ciudades; amigo de los hombres, ve sus penas y ensancha de tu amor los manantiales. Vencedor de la muerte y de las sombras, Hijo eterno de Dios, resucitado, líbranos del peligro de la noche al dormirnos confiados en tus brazos. Amén. Salmo 142 - LAMENTACIÓN Y SÚPLICA ANTE LA ANGUSTIA. Ant 1. Aleluya, Aleluya, Aleluya. LECTURA BREVE 1 Pe 5, 8-9 Sed sobrios, estad despiertos: vuestro enemigo, el diablo, como león rugiente, ronda buscando a quien devorar; resistidle, firmes en la fe. RESPONSORIO BREVE V. En tus manos, Señor, encomiendo mi espíritu. Aleluya,Aleluya. R. En tus manos, Señor, encomiendo mi espíritu. Aleluya,Aleluya. V. Tú, el Dios leal, nos librarás. R. Aleluya, Aleluya. V. Gloria al Padre, y al Hijo, y al Espíritu Santo. R. En tus manos, Señor, encomiendo mi espíritu. Aleluya,Aleluya. CÁNTICO EVANGÉLICO Ant. Sálvanos, Señor, despiertos, protégenos mientras dormimos, para que velemos con Cristo y descansemos en paz. Aleluya. CÁNTICO DE SIMEÓN Lc 2, 29-32 Ahora, Señor, según tu promesa, puedes dejar a tu siervo irse en paz, porque mis ojos han visto a tu Salvador, a quien has presentado ante todos los pueblos luz para alumbrar a las naciones y gloria de tu pueblo Israel. Gloria al Padre, y al Hijo, y al Espíritu Santo. Como era en el principio, ahora y siempre, por los siglos de los siglos. Amén. Ant. Sálvanos, Señor, despiertos, protégenos mientras dormimos, para que velemos con Cristo y descansemos en paz. Aleluya. V. OREMOS, Ilumina, Señor, nuestra noche y concédenos un descanso tranquilo; que mañana nos levantemos en tu nombre y podamos contemplar, con salud y gozo, el clarear del nuevo día. Por Cristo nuestro Señor. R. Amén. CONCLUSIÓN V. El Señor todopoderoso nos conceda una noche tranquila y una santa muerte. R. Amén. ANTÍ FONA FINAL DE LA SANTISIMA VIRGEN Reina del Cielo alégrate, Aleluya, porque el Señor, a quien has merecido llevar, aleluya, ha resucitado, según su palabra, aleluya, ruega al Señor por nosotros, aleluya. (235) --- Support this podcast: https://podcasters.spotify.com/pod/show/jose-emilio/support
She claimed her unique leadership voice then something big happened.You'll be inspired by Julie Spurlin, CHRO of HCSS, who shares her personal experience of facing impostor syndrome early in her career and how she defeated it.Impostor syndrome is real and can hold even the most accomplished executive leaders back from reaching their full potential. It's time to bring authenticity to your leadership style, overcome self-doubt, and step confidently into your role as a successful leader.Check out this interview!Julie Spurlin is Chief Human Resources Officer with HCSS, a software company serving the heavy civil construction industry, headquartered in Sugar Land, TX. She has over 25 years of experience in HR, mainly in technology organizations including RSA (a Dell Technologies Company) and Software AG. Her experience covers HR Business Partnership, Global HR strategy, M&A, public, private and PE held companies, and really encompasses all parts of the Employee Lifecycle support.She believes in keeping heart at the center of leadership and maintaining a servant mindset.LinkedIn Profile http://www.linkedin.com/in/jaspurlinCompany Link: https://www.hcss.com/What You'll Discover in this Episode:Uncovering the leadership lessons of football legend, Frank Beamer.The secret to retaining star leaders who've already quit.The qualities leaders need to secure their seat at the table.The importance of inspiring the next generation of leaders for a stronger future.Leading with heart: The power of authenticity in leadership.-----Connect with the Host, #1 bestselling author Ben FanningSpeaking and Training inquiresSubscribe to my Youtube channelLinkedInInstagramTwitter
The Andy Staples Show & Friends: A show about college football
Oregon second-year head coach Dan Lanning joins Andy to discuss the Ducks' spring, Bo Nix's evolution, and the rigors of being a former elementary school PE teacher. Plus, Andy reacts to the College Football Playoff releasing game dates for the 2024-2025 seasons. -------------------------------------------------------- Sponsored by: Rhone: Upgrade your closet with Rhone and use code STAPLES to save 20% at https://www.rhone.com/staples Learn more about your ad choices. Visit megaphone.fm/adchoices
True Growth con Fernando Trueba
María Gutiérrez Peñaloza es Managing Partner de Nido Ventures un fondo de inversión que inició operaciones en 2021 y que ha invertido en empresas como Plenna, Palenca, Yuno, Cheaf, Morado, entre otras. En Nido están enfocados en verticales como Nearshoring y pagos para la industria de crossboarder trade; infraestructura y herramientas para CFO's, Maketplaces y SaaS. La tesis de Nido es ser uno de los primeros cheques de las startups en las que invierten y tratan de ser muy activos ayudando a sus empresas con ejecución, desarrollo, partnerships o lo que necesiten para dar el siguiente paso. Antes de saltar al mundo de Venture Capital, María trabajó en empresas como Tesla, Apple y Credit Swiss. Actualmente está haciendo su MBA en Sanford y es miembro de la asociación Global Women in VC. Por favor ayúdame y sigue a True Growth en Instagram aquí. Sigue a nuestra Invitada: Maria Gutierrez en LinkedIn Maria Gutierrez en Twitter Conecta con Nido Ventures: Sitio Web Conecta con True Growth: True Growth Master Program Sitio Web YouTube Sigue a nuestro host: Fernando Trueba en LinkedIn Fernando Trueba en Instagram Guía de Contenidos: 03:44 - ¡Bienvenida Maria! 03:52 - ¿Qué es Nido Ventures? 07:16 - La tesis de inversión de Nido ventures 10:48 - La definición que Nido Ventures le da a la etapa Early Stage 12:10 - La situación actual del VC en Latinoamérica 16:24 - La pregunta del millón: ¿Cómo valuar una empresa en Early Stage? 19:14 - ¿Qué busca Nido Ventures en los emprendedores? 23:26 - La relación entre Inversionista Early Stage y Emprendedor 27:28 - Venture Capital vs. Angel Investor 29:29 - El proceso de levantamiento de capital en Nido Ventures 34:51 - Do's & Don'ts de un buen Pitch Deck 39:46 - Cómo hace Nido Ventures para mantenerse al día en las nuevas tendencias 43:02 - María nos cuenta de Startups que le llaman la atención 46:09 - Consejos para nuevos emprendedores 48:20 - Cómo estructurar tu Pitch Deck 50:57 - Conecta con Maria y Nido Ventures 52:14 - ¡No te pierdas nuestro próximo episodio! Learn more about your ad choices. Visit megaphone.fm/adchoices
Mr. Tennis Coach, Phillip O'Callaghan, joins Luke Gromer to discuss environment design principles for coaches! Film for Coaches Workshop: FilmforCoaches.com Mentorship Program Interest: Click here Get the FREE Podcast Notes: CuttingEdgeCoach.com/podcast Get access to the 2022 Summer Coaching Series: SummerCoachingSeries.com About Phill O'Callaghan: Phillip is a PE teacher and Tennis Coach in Ireland. Phillip has a newsletter for coaches that focuses on skill acquisition and practice design, in addition to blogs and insightful twitter threads and content that can be found on his twitter profile. Connect with Phillip: Twitter: @Mr_Tennis_Coach Connect with us: @CECoaching_ @LukeGromer email@example.com
If you missed our annual Single Payer Strategy Conference, it's your lucky day. Today we share a conference presentation all about the impact of Private Equity on healthcare (spoiler alert: it's not good.) Our guests are Eagan Kemp, Health Care Policy Advocate at Public Citizen; Rachel Madley, Health Policy Advisor to Medicare for All Act chief author Representative Pramila Jayapal (D-WA 7); and Robert Seifert, Senior Fellow at Americans for Financial Reform. https://www.youtube.com/watch?v=y0w0pV8EvYE Show Notes Eagan talks about Public Citizen's recent report (with an emphasis on recent PE acquisitions and areas of concern, including end-of-life care, home health care, traveling nurses, reproductive care, and Medicare Privatization/ACO Reach) Robert Seifert on AFR's recent work in the space (depending on whether you want to present on the broader topic of PE in health care, you could definitely go before or after me)Rachel (as I think folks will be most excited to hear from her and be most likely will stick around for it) on Rep. Jayapal's Healthcare Ownership Transparency Act and any other PE stuff she wants to raise. https://www.citizen.org/news/action-on-predatory-private-equity-in-health-care-needed-stat-says-public-citizen/
Le faltaba poco para cumplir ochenta y dos años cuando La Prensa de Buenos Aires le pidió que escribiera un artículo que se publicaría en su edición del primero de enero de 1915. Hacía ya seis años que su médico le había prohibido escribir, y tres años que sus dolencias físicas le habían impedido emprender toda labor literaria. Pero como se trataba del diario argentino para el que había trabajado como corresponsal a principios de los años 1880, cuando las tropas chilenas ocuparon Lima y quemaron su casa en Miraflores, incluso su valiosa biblioteca, Ricardo Palma salió de su retiro forzado y volvió a entintar la pluma [aquí] en su gabinete de trabajo, en la última casa en que vivió, también en el distrito de Miraflores en Lima, para escribir la última de sus inmortales Tradiciones peruanas. Para comenzar, don Ricardo cuenta que en sus ochenta y tantos años de vida ha tenido la oportunidad de conocer y tratar a un sinnúmero de personajes ilustres de Europa y de las Américas. Entre estos figuran Garibaldi, Lamartine, Alejandro Dumas (padre), Longfellow, Zorrilla, Campoamor, Cánovas del Castillo, Canalejas, Emilio Castelar, Núñez de Arce, Valera, Menéndez Pelayo, Sarmiento, Mitre, Juan María Gutiérrez, Mármol, Ascasubi, Julio Arboleda, Andrés Bello, Páez el Legendario, Porfirio Díaz, García Moreno, Manuel Montt, Vicuña, Mackenna, Balmaceda y Sáenz Peña. Por si eso fuera poco, a continuación don Ricardo destaca que ha sido testigo de casi toda la vida republicana de su patria, pues nació nueve años después de la Batalla de Ayacucho. En ese contexto peruano, «no ha habido personalidad a la cual no [lo] haya ligado vínculo estrecho o relación superficial», afirma el célebre escritor criollo. Desde 1852, año en que comenzó su vida política siendo presidente el general Echenique, ha visto a todos los mandatarios del Perú, y a algunos de ellos muy de cerca. Luego, remontándose a los días de su niñez, evoca recuerdos de don Manuel Menéndez (el Chancaquero), de don Justo Figuerola, y de los generales Gamarra, Vivanco, Vidal, Torrico y Santa Cruz.1 Esta impresionante lista de personajes que menciona Ricardo Palma nos hace reflexionar sobre el hecho de que no vale tanto ¿qué conocemos?, sino ¿a quién conocemos? ¿Acaso no hemos necesitado todos, alguna vez, a una persona importante que nos saque de un apuro? Lamentablemente hay muchos que no reconocen que la persona indispensable en nuestra existencia humana es Jesucristo, el Hijo de Dios, que dio su vida por nosotros como prueba de su amor y amistad.2 De Cristo dijo su precursor, Juan el Bautista: «... entre ustedes hay alguien a quien no conocen... al cual yo no soy digno ni siquiera de desatarle la correa de las sandalias.»3 Para muchos, esa sigue siendo una triste realidad. Más vale que procuremos conocer a este Personaje divino muy de cerca. Gracias a Dios, hoy mismo todos, cualesquiera que sean nuestras credenciales, podemos disfrutar de una relación estrecha con Cristo. Carlos ReyUn Mensaje a la Concienciawww.conciencia.net 1 Ricardo Palma, Tradiciones peruanas, Tomo II, «Una visita al mariscal Santa Cruz (1864): Reminiscencias históricas», pp. 272‑73. 2 Jn 15:13 3 Jn 1:26,27