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Cada domingo, al salir de la iglesia, Jackson y su abuela toman el autobús para regresar a su casa en la calle del Mercado. Pero hoy, Jackson no se siente contento al hacerlo. Hoy se pregunta en voz alta por qué tienen que esperar bajo la lluvia y por qué no tiene un coche como sus amigos. Por qué no tiene un ipad como ellos... Pero la abuela abre los ojos al joven Jackson y le muestra la belleza real en el mundo que les rodea. El espíritu de la bulliciosa ciudad, la música en la vida cotidiana y la magia de sus vecinos. Todas esas cosas que, a menudo, pasamos por alto. Con el conmovedor texto del galardonado Matt de la Peña y las bellas ilustraciones de Christian Robinson, llega una brillante recreación del amor entre una abuela y su nieto. Libro: escrito por https://amzn.to/3IbPjVG Nuestra hora de cuentos gratuita es bienvenida para TODOS y es posible gracias a oyentes como tú. Considere apoyarnos en KoFi cuando puede elegir entre donaciones únicas a cualquiera de las cuatro opciones de membresía, todas las cuales le permiten aún más acceso al Clubhouse. Para obtener más información, ¡HAGA CLIC AQUÍ! -> https://ko-fi.com/hippocampusclubhouseYa sea que sea un miembro mensual, un contribuyente único, nos siga en Instagram o simplemente le encante sintonizar y compartir nuestra hora de cuentos con amigos, ¡estamos muy agradecidos por su apoyo! Haga clic en suscribirse y, si le gusta lo que escucha, ¡puntúe y comente!Nuestra #OneStopBookShop ofrece títulos divertidos y aptos para toda la familia para todos los miembros de su hogar (¡incluidos los adultos!) y, al mismo tiempo, apoya tanto a las pequeñas empresas como a las librerías independientes. ¡COMPRA AQUÍ! -> https://bookshop.org/shop/HippocampusClubhouse ¿Quiere que SU HIJO sea un invitado en nuestro podcast con su historia favorita? Regístrese hoy HACIENDO CLIC AQUÍ -> https://hippocampusclubhouse.com/storytime-voices Encuéntrenos en Instagram https://instagram.com/hippocampusclubhouse y para obtener más información sobre las nuevas aventuras de la historia, consejos para padres basados ​​en la ciencia cognitiva, actividades basadas en los sentidos, imprimibles y más, ¡ÚNASE HOY a nuestra lista de correo! https://hippocampusclubhouse.com/contacto ¡Hasta la próxima, asegúrese de contar su historia con el corazón abierto mientras escucha a los demás con la mente abierta™!

Czy da się prowadzić małą firmę, która opiera się na twojej pracy, ale nie kosztem zdrowia? Czy przedsiębiorca może odpocząć i nie wypalać się? Czy da się wysiąść z biznesowego kołowrotka? Posłuchaj rozmowy z nauczycielką Ajurwedy i dowiedz się, jak prowadzić firmę holistycznie. Gość: Maria Nowak-Szabat. Pełny opis odcinka MWF 405: https://l.malawielkafirma.pl/p-405 W tym odcinku: 3:01 R. Sharma „Klub 5 rano” (recenzja) 6:12 Dlaczego Maria zdecydowała się założyć własną firmę i czym się zajmuje? 17:18 W jaki sposób Maria podchodzi do wyceny swoich produktów? 25:17 Na co warto zwrócić uwagę, obsługując zamożnych klientów? 32:39 Co można w życiu uprościć, żeby żyło nam się lepiej? 42:43 Na czym polega holistyczne prowadzenie biznesu? Posłuchaj też: 404: Czy człowieka można rozwijać jak… aplikację? | Joanna Toboła-Pieńczak https://l.malawielkafirma.pl/p-404 386: Jak zmienić branżę, żeby nie żałować | Dominik Juszczyk https://l.malawielkafirma.pl/p-386 373: Esencjalizm w praktyce – mniej zadań, lepsze wyniki | Marcin Iwuć https://l.malawielkafirma.pl/p-373 Bądźmy w kontakcie: Instagram: https://l.malawielkafirma.pl/p-instagram Facebook: https://l.malawielkafirma.pl/p-facebook YouTube: https://l.malawielkafirma.pl/p-youtube Chcesz mieć lepszych klientów? Sprawdź mój newsletter: https://l.soloprzedsiebiorca.pl/p-405

In February of 1978 a man known only as Julio F packed up his car, his dog and his .22 rifle and headed out into the woods to hunt for hare. Almost immediately, everything got weird. From the start, he took a direction he never intended to. He stopped at a "wayside bar" that wasn't normally opened this early for breakfast and was directed to a hunting site by the strange man that ran Hostal 113. The last thing Julio F remembered was speeding toward his destination. Not long after, Julio's brother, Manuel, would catch a presentation by José Luis Jordán Peña, a man who became synonymous for devising one of the greatest hoaxes of all time, the UMMO affair. While we only briefly touch upon this great hoax, Julio F's story becomes wrapped up into the world of UMMO, leaving you with question surrounding his story, and whether he experienced something extraordinary, or was a victim at the hands of Jordán Peña. This week I'm joined by Willow Truman of the Nonsense Bizarre podcast to discuss aliens that look like Megamind, Argentinian music, "Pine Smell," and the lives that Jordán Peña ruined. Sources: “The Soria Abduction: Or – The Hunter Hunted. Part 1” by Antonio Ribera Flying Saucer Review 1985 V 30 N 3 “The Soria Abduction: Part 2” by Antonio Ribera Flying Saucer Review 1985 V 30 N 4 “The Soria Abduction: Part 3 (Conclusion)” by Antonio Ribera Flying Saucer Review 1985 V 30 N 5 UMMO: the great UFO fraud forged in Spain Committee for the Study of Anomalous Aerial Phenomena Julio F. Story of a Ufological Fraud El Ojo Crítico UMMO AT BAY: Jose Luis Jordan Peña Discusses the Greatest UFO Hoax of the 20th Century Inexplicata Theme song: "Ufo" by Floats, available on Soundcloud, iTunes and Spotify Logo designed by Megan Lagerberg T-Shirt Designs by The Great Desdymona Check out my links here

Cum angajezi si gestionezi cea mai buna echipa de oameni pentru afacerea ta Echipa ta este unul din cei mai importanti factori ce influenteaza dezvoltarea afacerii tale si atingerea obiectivelor dorite. Ai nevoie de cele mai bune talente, de aceea in acest episod am pregatit un mini-checklist de audit HR. Hai sa tinem legatura: Comunitatea Gomag: https://www.facebook.com/groups/gomagro/  Instagram: https://www.instagram.com/gomag.ro/  Blog: https://www.gomag.ro/blog/  Academia Gomag: https://academia.gomag.ro/  Publica anunturile tale de angajare Comunicarea este necesara pentru a atrage oameni. Daca vrei sa angajezi, trebuie sa publici anuntul de recrutare peste tot. Poti colabora si cu companii de HR, in anumite situatii. Aceste companii au acces la o baza de date cu candidati mai mare.  Exista si site-uri speciale (de job-uri) unde se pot posta anunturile cu pozitiile disponibile in companie. Pe langa anunturile platite si tool-uri precum LinkedIn, recomandarea e sa folosesti mediile media detinute. E vorba de site-ul, blogul si profilul tau de social media (cel de business). Cand trasezi sarcini pentru oamenii din echipa, tine cont de experienta fiecarui om in parte si gradul de implicare in echipa si companie. Nu te poti astepta ca oamenii noi sa aiba experienta si implicarea oamenilor cu o vechime mai mare. Transmite acest lucru si oamenilor mai vechi din companie. Adaptarea rapida a noilor angajati are loc doar daca exista super proceduri de onboarding pentru oamenii noi. Te intereseaza procedurile de onboarding si cum ajuta ele echipa si compania? Lasa-ne un comentariu. Sau ne poti spune ce te-a ajutat pe tine in procesul de angajare si management al echipei.

La Unión Europea (UE) informaba este jueves de que va a conceder una «ayuda temporal excepcional» de hasta 15.000 euros por agricultor y de hasta 100.000 euros por pyme en el marco del Fondo Europeo Agrícola de Desarrollo Rural (Feader) como respuesta a las repercusiones de guerra en Ucrania.  De cómo sería la llegada de estas ayudas a Aragón hemos hablado nada más poner en marcha nuestra cosechadora de sonidos.  La Comisión Europea ha autorizado este miércoles el uso de un nuevo maíz genéticamente modificado para el consumo humano y animales en la Unión Europea, después de que los países miembros no lograran consensuar una posición ni a favor ni en contra y la decisión volviera al Ejecutivo comunitario. Hoy, en #Agricultura2030, hemos analizado la actualidad de los cultivos transgénicos Hemos hecho balance del 8º Congreso de Cooperativas Agro-alimentarias de España, un Congreso que ha reunido durante dos días a más de 700 delegados de cooperativas de toda España bajo el lema “Cooperativas, juntos hacia un futuro sostenible”.   En #AguayregadíosDPC ha levantado la tajadera con nosotros Carlos Villuendas, presidente de la Comunidad de Regantes Montesnegros porque este miércoles se firmaba el convenio para poner en marcha los regadíos de Monegros II, de los que se beneficiarán 370 agricultores y 6.200 hectáreas de los términos de Bujaraloz, Peñalba y Fraga.  La Plataforma en defensa de la huerta de Zaragoza ha entregado este lunes un millar de firmas en el Ayuntamiento de Zaragoza en demanda de la puesta en marcha de la marca huerta de Zaragoza que identificaría a las frutas y hortalizas del termino municipal de Zaragoza con el objetivo de facilitar la visibilidad de dicha producción y su consumo. Nos hemos marchado hasta Huesca porque esta semana empezaba la cuenta atrás para las fiestas de Huesca y desde esta semana las plantas de albahaca ya se han comenzado a trasplantar para que dentro de 40 días, coincidiendo con el inicio de San Lorenzo, luzcan verdes y con su mejor aroma en toda la ciudad. 

For the last decade investors have been focused on highflying growth stocks, but this investing environment may be the exception rather than the rule. Chief European Equity Strategist Graham Secker and Global Head of Quantitative Investment Strategies Research Stephan Kessler discuss.-----Transcript-----Graham Secker: Welcome to Thoughts on the Market. I'm Graham Secker, Morgan Stanley's Chief European Equity Strategist. Stephan Kessler: I am Stephan Kessler, Global Head of Quantitative Investment Strategies Research. Graham Secker: And on this special episode of the podcast, we'll be talking about the potential return of value investing post its decade long decline since the global financial crisis. It's Friday, July the 1st, at 10 a.m. in London. Graham Secker: As most listeners of this particular podcast are probably aware, for much of the past decade, investors have had something of a love affair with the highflying growth stocks in the market. Meanwhile, their value priced counterparts, the shares of which tend to trade at relatively low price to earnings multiples and or offering higher dividend yields, have had a considerably rougher time of it. But I believe that the last decade is more the exception to the rule rather than the norm. And I think your analysis, Stephan, shows that this is true, yes? Stephan Kessler: Yes, I agree. We have looked at the performance of value as an investment style back to the 1920s, and we find that the period between the end of the global financial crisis and the COVID pandemic was only the decade where value did underperform. For me, the why here is really an interesting question to pick apart, which you and I look at through two different lenses. You're the fundamental strategist and I'm the quantitative analyst. So I think my first question to you is, from your fundamental point of view, what were the main drivers of value's underperformance during this lost decade? Graham Secker: Yes. So from our perspective, we think there were two main drivers of values underperformance post the GFC. Firstly, a backdrop of low growth, low inflation and low and falling and negative interest rates, created a particularly problematic macro backdrop for value stocks. The former two factors were weighing on the relative profitability of value stocks, while the very low interest rates were actually boosting the PE ratio of longer duration growth stocks. This unpalatable macro backdrop then coincided with a challenging micro backdrop as the broad theme of disruption took hold across markets. This prompted greater hope among investors for the long term growth potential of the disruptors, while undermining the case for mean reversion across other areas of the market whereby cyclical slowdowns were often effectively viewed as structural declines. So, Stephan, you've said that the discount on value stocks cannot be explained fully by fundamentals or justified by the earnings overview. What do you believe are the deeper drivers for this discount? Stephan Kessler: When you look at the value, it faced over the past few years, a range of challenges really. On the behavioral side, investors have focused on growth stocks and growth opportunities. This led to a substantial and persistent deviation of equities from their fair values and an underperformance of value investors. Next to this more behavioral argument, we find that the environmental, social and governance related aspects or in short, ESG and monetary policy were themes which drove price action. Equity value has a negative exposure to those themes. And finally, when you look at the 2020 period, there was a classical value trap situation. Companies which were most affected by the COVID pandemic sold off and appear cheap based on quite a range of value metrics, while the COVID catalyst continued to disrupt markets and led to companies which were cheaply valued not being able to recover as they had exposure to these disruptors. This only start to resolve in 2021, which is also when we start to see value regain performance. To get back to a more generalist view of the main drivers of values underperformance, I'd like to get back to you, Graham. You've observed a link between the macro and the micro, which created something of a vicious circle for value in the last cycle. Can you talk about how this situation looks going forward? Graham Secker: Yes, going forward, we think this vicious cycle for value could actually turn to be something more of a virtuous cycle over the next few years. We argue that we've entered a new environment of higher inflation and associated with that higher nominal growth, and that drives a recovery in the profitability of these older economy type companies. And at the same time, a rising cost of capital undermines the case for the disruptors. And that can happen both in terms of lower valuations off the back of higher interest rates, but also as liquidity starts to subside, a lack of capital to fund their future business growth. Stephan, you mentioned two of these key disruptive forces, quantitative easing by the central banks and then the rise of ESG. Can you talk about the impact of these two elements on the equity investment landscape? Stephan Kessler: ESG is a major theme in financial markets today, and in particular in this 2018-20 period we saw ESG positive names build up a premium, which made them appear expensive in the context of value metrics. These ESG valuation premia then turned out to be persistent and at times even grew. This then goes, of course, against value investors who try to benefit from this missed valuations mean reverting. And to the extent these valuations even turn stronger, that drove their losses. Quantitative easing is another aspect that drove price action. We find that value tends to underperform in time periods of low interest rates and does well in a rising rates environment. The economic driver behind this empirical observation is that the very low rates you saw in the past make proper valuations of firms difficult as discounted cash flow approaches are challenged. And so on the back of that, lower rates simply lead to valuation and value as signals being challenged and not properly priced. So given the historical narrative and all the forces at play during the past decade, what is your preference between value versus growth for the second half of 2022 and beyond that, Graham? Graham Secker: Yes. So in the short term, a backdrop of continued high inflation and rising interest rates should we think continue to favor value over growth. However, perhaps right towards the end of this year, we do envisage a situation where that could reverse a little bit, albeit temporarily, once inflation has peaked and the economic downturn has materialized, investor attention may start to focus on rates no longer rising, and that will put a little bit of a bid back under the growth stocks again. But I think if we look longer term, actually, I'm beginning to think that what we'll see is the whole value versus growth debate actually becomes a bit more balanced and hence I can see more range bound relative performance thereafter. And Stephan, from your perspective, in a world of rising bond yields and lower or normalized QE, what is your outlook for value going forward, too? Stephan Kessler: Well, when we look at the two catalysts for value underperformance, ESG and quantitative easing I mentioned earlier, we see that their grip on the market is loosening. For one, markets have moved into rates tightening cycle which means investors focus more on near-term cash flows rather than terminal value. This is a positive for value companies, which tend to well under such considerations. Furthermore, the dynamism of ESG themes has abated compared to the 18-20 period, leading to a lower effect on value. Another angle on this is also a look at the valuation of value as a style. It's quite cheap, so it's a good entry point. This leads to a positive outlook for value, but also for other styles. We like, particularly the combination of value and quality as it benefits from the attractive entry levels for value, as well as the defensiveness of an investment in quality shares. Graham Secker: So to summarize from a fundamental and quantitative approach, both Stephan and I think that the extreme underperformance of value that we've seen over the prior decade has ended, value looks well-placed to return to its traditional outperformance trends going forward. Stephan, thanks for taking the time to talk today. Stephan Kessler: Great speaking with you, Graham. Graham Secker: And thanks for listening. If you enjoy Thoughts on the Market, please leave us a review on Apple Podcasts, and share the podcast with a friend or colleague today.

It's been an ongoing saga between Freddie Freeman, his agent, and the Braves and we're breaking it all down on today's episode. Joey thinks that Freeman would've signed a 5-year deal with the Braves if things had gone differently during negotiations. We're also talking Astros and whether they're the team to beat in the AL over the Yankees. Jeremy Peña becomes a big topic of discussion when Joey forgets his first name and we will be referring to him as Mr. Peña from here on out until Joey deems he has earned the right to his first name. Juan Soto contract extension numbers have leaked and we talk about his regression this year and whether that contract will be worth it. Dallas also talks about Oakland being one step closer to building a new ballpark. Jake and Jared are in Chicago to watch the Red Sox smack the Cubs so keep an eye out for video content coming from that series. Enjoy! If you or someone you know has a gambling problem, crisis counseling and referral services can be accessed by calling 1-800-GAMBLER (1-800-426-2537) (IL/IN/MI/NJ/PA/WV/WY), 1-800-NEXT STEP (AZ), 1-800-522-4700 (CO/NH), 888-789-7777/visit http://ccpg.org/chat (CT), 1-800-BETS OFF (IA), 1-877-770-STOP (7867) (LA), 877-8-HOPENY/text HOPENY (467369) (NY), visit OPGR.org (OR), call/text TN REDLINE 1-800-889-9789 (TN), or 1-888-532-3500 (VA). 21+ (18+ NH/WY). Physically present in AZ/CO/CT/IL/IN/IA/LA/MI/NH/NJ/NY/OR/ PA/TN/VA/WV/WY only. Min. $5 deposit required. Eligibility restrictions apply. See http://draftkings.com/sportsbook for details. Learn more about your ad choices. Visit megaphone.fm/adchoices

Hoy con Janett Arceo y La Mujer Actual:De Ocio Museos y algo más, el Maestro Édgar Espejel nos habla del 40 aniversario del Museo Nacional de Arte.¿Papá soltero regresando al amor? Escucha a Leopi, coach de conquista y amor.En “La Era Digital” Roberto Jaime González y el impacto favorable de E-Commerce en los compradores que no consumen productos por internet.Lo mejor de la cartelera cinematográfica con José Antonio Valdés Peña.El Dr. José Luis Manrique junto al nutriólogo David Manrique, hablaran de enzimas digestivas.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!

Homenaje a Juan Romero Pantoja 'El Guapo' llevado a cabo por la Cátedra de Flamencología de Jerez y Estudios Folklóricos Andaluces y la Peña Flamenca Tío José de Paula de Jerez en la Iglesia de Santiago el viernes 25 de marzo de 2022, en el que intervinieron Juan Salido Freyre y José Gallardo Quirós como oradoes y Angel Vargas, Joaquín 'El Zambo', Eva del Cristo y Manuel Fernández 'Borrico' como saeteros.

XXXIII Exaltación de la Saeta de Jerez organizada por la Peña Flamenca 'Buena Gente' en la Iglesia de San Mateo y pronunciada por Pedro Garrido 'Niño de la Fragua' bajo presentación de Antonio García 'El Platero'. Como ilustradores saeteros el evento contó con la participación de Luis Moneo, Carmen Grilo y Manuel de la Fragua, además de la Agrupación Musical 'La Sentencia' que interpretó las marchas 'Alma de Dios', La Saeta y Bulerías en la Plazuela

I go over a TON of stocks on this one as it's long, but remember what I recommend. $SPXU $SQQQ $SARK $UVXY. $BRK.B $PAA $CTO - 7% dividend yields $MCD $UNH led the dow yesterday $UPST - no longer one of my favorites $NVDA - I love this one here, but I fear you've got a little more downside. Don't time it for long term though - get it under $150 if you can. $TSLA - under $700 - but I feel the delivery number may be light so don't load up before that comes out. $CLF - commodities like iron ore worry me - I still think their earnings are going to be a catalyst $ENPH - I like this one as it's been beaten down. $RH - consumers are weak now - brought down guidance and tanked all retail $XRT may be a good opportunity but I still like $M $BITI - short Bitcoin - more downside $BHAT and $REV may be done with as far as runs, but day trading is a good opportunity $FANG $MPC $OXY $DVN $UCO $XOM $CVX $XLE - I think long side energy is still the right play $AMD - I like this with the forward PE so low $SBUX - with China opening and a dividend increase - this may be a good time to get back in $HD $TGT $WMT $LOW all high yields and good upside for 2nd half $MSFT $AAPL $AMZN $GOOG $META $NFLX - I like these for 2nd half - specifically $GOOG $NLY - 14% yield - interesting here $AA $BMRN $DDOG $XM --- Support this podcast: https://anchor.fm/dailystockpick/support

Estaba caliente el hincha. Vino el presidente del Club Atlético Peñarol Nacho Ruglio a dar la cara. Gracias Nacho por la gentileza de venir al programa.

Michael Girdley @Girdley is joined by Kevin Dahlstrom (@Camp4), we talk about how to become multi-dimensional, get to identify the cliches and what it is like when GenX-ers joins in the Twitter Community, how leaders and CEOs work to be where they are now. Kevin also talks about his banking app business, Swell, that grew over time and became an LP in great Real Estate deals. ----- * Do you love The Michael Girdley Show and want to see our smiling faces? Subscribe to our Youtube channel. * Do you enjoy our content? Rate our show! * Follow us on Twitter @GirdleyShow Find success in small business investing and entrepreneurship. ----- Show Notes: (00:00) - Introduction (00:56) - Our sponsor is Harbor Capital (02:10) - Are all generations really the same? What makes Gen X the OGs of tech generation? (06:00) - What makes GenX-ers uncomfortable in the Twitter Community? How does one adapt to the platform? (08:55) - In what ways can Twitter be therapeutic? (11:11) - Staying fit in the middle age: How to make it work? (14:30) - On The Road by John Kerouac: How to get the energy to strive? (17:55) - How does each Generation think about stuff? Understand mindsets through generational lenses (22:50) - Elon, like him or not, he's doing cool stuff with his money! (23:47) - What is the key to continuous development? (29:45) - What makes a great product? (30:56) - Why did Kevin get back to an operational role in Swell? (32:02) - How is Bezos' famous quote relevant to Swell? (35:54) - How would you describe the prototypical striver? (39:30) - What is it like to be a zero-to-one visionary type CEO? (42:00) - How does Swell plan to become a billion-dollar business? What is innovative in your approach? (47:28) - What are the challenges, especially with less sophisticated investors? (49:30) - How do you plan to start strivers in PE? (52:40) - What is the biggest problem with Neo banking? (55:20) - A secret to getting someone strong as the First Podcast Guest! (1:22:00) - Life hack: How to kick ass at everything? ----- Links: * Harborcap.com * https://www.swellmoney.com ----- Additional episodes you might enjoy: #38 Jesse Pujji of Gateway X - The CEO job is in constant evolution #37 Eric Jorgenson - GP of Rolling Fun - Information Dealer Extraordinaire #31 I wish I had learned 10 years ago about Pricing Power - Jay Vas shares his clear thinking in this one #24 The recruiter of choice: How JobMobz helps Silicon Valley companies grow so quickly #13 The Hard Money Lending Business - Matthew Weidert of Longleaf Lending

As an innovation strategist, digital disruption integrator, and business leader with proven experience managing and turning around large engineering, consulting, and professional services practices, Ms. Wishart-Smith provides board, advisory and consulting services to corporates, startups, and venture capital funds. Previously, she was the Senior Vice President of Technology & Innovation for Jacobs, the $14B world-leading professional solutions provider. Prior to this role, she led innovation and digital strategy for Jacobs' Buildings, Infrastructure and Advanced Facilities and led the Mid-Atlantic region, a $150 million business including design, consulting and program management/construction management projects in the rail, highway, transit, Federal, corporate/commercial, science and technology, and related markets. Other notable roles include Jacobs' Federal Department of Defense Market Sector Leader, Sales Executive, and Principal of multiple large, full-service programs for the Army, Navy and Air Force worldwide. Ms. Wishart-Smith was the national President of the Society of American Military Engineers for its centennial year. She has published and presented articles in various publications on leadership, architecture, engineering and construction topics in the military and transportation sectors, and she is currently a regular Forbes contributor. A former U.S. Navy Civil Engineer Corps officer, Ms. Wishart –Smith is recognized as a strong leader with outstanding financial, business development, and operational skills, and a mentor to rising professionals. She holds Bachelor and Master of Science degrees in Civil Engineering from the University of Virginia. Awards include the Society of American Military Engineers (SAME) Gerald C. Brown Mentoring Award (2018); Eno Center for Transportation “Top 10 Women to Watch in Transportation” (2016); University of Virginia School of Engineering and Applied Science Outstanding Young Engineering Graduate (2013); and ENR “Top 20 Under 40” Mid-Atlantic (2013). She is a Fellow of the Society of American Military Engineers and the American Society of Civil Engineers. Meet My Guest: LINKEDIN: Heather Wishart-Smith, PE, PMP, LEED AP BD C

Elizabeth Seeger, Managing Director of Sustainable Investing at KKR, joins Winna Brown to discuss why KKR views ESG as a business opportunity that both creates and protects value over time. ESG has skyrocketed to the top of many PE firms' list of strategic priorities in the past couple of years. PE firms that may have historically viewed ESG as a “nice to have” or a “check the box” exercise, are now increasingly considering ESG to be a business issue that is embedded in the business, not peripheral to it. PE firms such as KKR that were early adopters of and believers in ESG are now in a position not only to lead the charge to net zero, but to share their learnings with other firms that may be earlier on their ESG journey. At KKR, ESG is viewed as a way to both protect and enhance value over time and is managed alongside other business issues. KKR is focused on climate change, data and integrating ESG issues and subject matter expertise into the investment process. The firm views ESG data not as a way to score potential targets, but to identify a pathway to managing ESG-related risk sover the duration of the hold period. Lastly, KKR has identified three measurable ESG pillars across the portfolio regardless of industry: climate, human capital and data responsibility (cybersecurity and data privacy). PE has an interesting role to play in the transition to net zero, and firms are likely to focus on 6 key areas: Creating and protecting value through ESG Building and deploying teams of resources and expertise Integrating climate and ESG considerations into investment processes Launching standalone ESG or impact funds Spotlighting portfolio companies that are addressing critical environmental and social challenges Collaborating and knowledge sharing to share solutions and best practices

This episode features Andrew Kadar, Managing Director, Private Equity and Healthcare Services at L.E.K. Consulting. Here, he discusses his optimism in an uncertain market, PE funds selling to other PE funds, L.E.K.'s spectrum of deals, and more.

This episode features Andrew Kadar, Managing Director, Private Equity and Healthcare Services at L.E.K. Consulting. Here, he discusses his optimism in an uncertain market, PE funds selling to other PE funds, L.E.K.'s spectrum of deals, and more.

This episode features Andrew Kadar, Managing Director, Private Equity and Healthcare Services at L.E.K. Consulting. Here, he discusses his optimism in an uncertain market, PE funds selling to other PE funds, L.E.K.'s spectrum of deals, and more.

This week's episode of Voices of the Valley explores the opportunities for agtech innovation and investment in Latin America. Accelerator The Yield Lab is dedicated to funding companies across the globe and then assisting with their growth and development for the long haul. "We're not in a rush," says Tomás Peña, Managing Director, The Yield Lab Latam, as he visits the podcast. "This is a business about talent. Eighty percent of the money we invest goes to talent." That talent base is particularly exciting in Latin America, he says, where trying to change the conventional conversation is the norm. "That's the beauty of Latin America," Peña says. "You have a lot of people thinking differently. You have a lot of people opening their minds, and saying 'Why not?'"

Krista Morgan, General Partner at Stage, joins the podcast to talk about her career, Stage, “a majority female-owned PE fund acquiring controlling interest in companies undergoing change”, current trends in venture capital, and more. 

Krista Morgan, General Partner at Stage, joins the podcast to talk about her career, Stage, “a majority female-owned PE fund acquiring controlling interest in companies undergoing change”, current trends in venture capital, and more. 

Krista Morgan, General Partner at Stage, joins the podcast to talk about her career, Stage, “a majority female-owned PE fund acquiring controlling interest in companies undergoing change”, current trends in venture capital, and more. 

Krista Morgan, General Partner at Stage, joins the podcast to talk about her career, Stage, “a majority female-owned PE fund acquiring controlling interest in companies undergoing change”, current trends in venture capital, and more. 

Welcome to a new edition of the Neon Jazz interview series with Barcelona-born, NYC-based Jazz Guitarist & Composer Oscar Peñas .. He opened up about his life in music so far, COVID, new shows and his latest  2022 CD Almadraba… He arranged and composed for an eight-piece ensemble .. In 2007, after completing his musical education at the New England Conservatory in Boston, Peñas moved to New York City. As a child, he was inspired by his ongoing family's tradition of singing and playing music during their car trips. Enjoy the tale .. Click to listen.More on Oscar - https://oscarpenas.com/Thanks for listening and tuning into yet another Neon Jazz interview .. where we give you a bit of insight into the finest players and minds around the world giving fans all that jazz ..  If you want to hear more interviews, go to Famous Interviews with Joe Dimino on the iTunes store, visit the YouTube Neon Jazz  Channel at https://www.youtube.com/c/neonjazzkc, go The Home of Neon Jazz at  http://theneonjazz.blogspot.com/ and for everything Joe Dimino related go to www.joedimino.com When you are there, you can donate to the Neon Jazz cause via PayPal https://www.paypal.com/donate?hosted_button_id=ERA4C4TTVKLR4 or through Patreon at https://www.patreon.com/neonjazzkc - Until next time .. enjoy the music my friends ..

Dan Lycett and Ross Williams are on the PE staff at St David's College in LLandudno in North Wales. They have been very public in sharing their approach to PE and school sport with the world and have been very active in creating learning spaces for other practitioners. In this conversation we delve into the alternative approach that they take to increase engagement in PE and school sport by turning the curriculum on it's head and working backwards from a child centred approach. The results speak for themselves as I hope you will agree from the discussion.Link to my conversation with Stephen Rollnick about Motivational Interviewing https://www.spreaker.com/episode/20445243

Late last year Unilever reached a $5 billion deal to sell part of its tea business, including brands like Lipton and PG Tips, to private equity giant CVC Capital. But the tea sector is a complicated one. With roots in colonialism, tea plantations around the world have faced many issues, including accusations of human rights abuses. In this week's episode, we're hearing from one worker whose life was forever changed by violence on her plantation, and exploring how this deal represents a new challenge for PE as investors are increasing their scrutiny into the private equity industry's ethics. Clips courtesy of Unilever, Al Jazeera, AP- - - - - - - - - - - - - - - - - - - - - - - - - - For further reading:How Unilever's tea business became a test of private equity's conscienceBidders for Unilever's tea business pulled out on plantation concernsCVC pushes back IPO plans amid market turmoil- - - - - - - - - - - - - - - - - - - - - - - - - - Sign up here to get the Moral Money premium newsletter sent straight to your inbox every Monday, Wednesday and Friday. On Twitter, follow Judith Evans (@JudithREvans), Kaye Wiggins (@kayewiggins) and Michela Tindera (@mtindera07) Read a transcript of this episode on FT.com See acast.com/privacy for privacy and opt-out information.

Por que preciso batizar o meu filho quando criança? (A Resposta Católica) Pe. Paulo Ricardo 06/04/11 --- Send in a voice message: https://anchor.fm/jlio4/message

¿Qué es lo que hace de una película de vampiros una BUENA película de vampiros? Un elemento central es la idea y las ganas de acercarse a lo clásico y eso fue en parte lo que hizo Francis Ford Coppola al realizar Drácula de Bram Stoker en 1992. Para hablarlo está con nosotros uno de los mejores críticos del cine de México, José Antonio Valdés Peña. Profesor, investigador y amigo de Cinegarage está aquí para echar mucho de luz hacia el sombrío mundo del Drácula de Coppola.

Leia: Jonas 3 "A palavra do Senhor veio a Jonas pela segunda vez com esta ordem: "Vá à grande cidade de Nínive e pregue contra ela a mensagem que eu vou dar a você". E Jonas obedeceu à palavra do Senhor e foi para Nínive. (...) Os ninivitas creram em Deus. Proclamaram jejum, e todos eles, do maior ao menor, vestiram-se de pano de saco. Deus viu o que eles fizeram e como abandonaram os seus maus caminhos. Então Deus se arrependeu e não os destruiu como tinha ameaçado.” Jonas 3:1-3,5, 10 Reflita: Sempre é tempo de obedecer Eu não sei há quanto tempo você tem andado desobediente a Deus, mas sei de uma grande verdade: ainda é tempo de obedecer e ver sua vida ser revolucionada. Mesmo quando Deus traz uma sentença de juízo sobre nós, se nos arrependermos dos nossos maus caminhos, ele ouvirá e mudará a nossa sorte. Deus já tinha dado uma sentença a Nínive. Ela seria destruída em 40 dias por causa do pecado do povo. Mas como o Senhor é essencialmente bom, ele trouxe um escape. Mandou Jonas para alertar os ninivitas. Como resultado eles se arrependeram, se humilharam e mudaram suas atitudes. E Deus voltou atrás. Você tem sentido um peso de juízo sobre sua vida? Mude! Arrependa-se! Humilhe-se diante de Deus! Peça perdão e não peque mais! Deus é bom e tem prazer em mudar a nossa história. Ore: Pai amado, obrigada porque és bom. Me arrependo se tenho andado fora dos teus caminhos. Decido agora me afastar do mal e me voltar a ti. Mude a minha história!!!

Andrew provides a great overview of what biomechanics is. Biomechanics is a subdiscipline of kinesiology and one of the key tools to analyze human movement. It entails studying how the body moves using physics and mechanical engineering strategies. Biomechanics answers questions that help to prevent injuries, rehab injuries, train better, and improve performance. In this episode, Andrew explains key terms in biomechanics such as kinematics and kinetics to analyze human movement. He also goes over the differences between qualitative and quantitative analyses. Both methods synthesize information and apply it to solve problems dealing with human movement. Biomechanics involves critical thinking and an understanding of anatomy to apply concepts to real life. Many kinesiology and sports medicine professionals utilize biomechanics. Everyone from PE teachers, coaches, strength coaches, athletic trainers, physical therapists, physicians, and even athletes. Although technology has come a long way, it is still unable to research and measure all the intricacies and details of human movement. Despite that, the take home message is that biomechanics is all around us. From learning techniques in sport and exercise, ergonomic advancements, to exercise tracking devices. It helps clinicians to improve patient care, rehabilitation, strength and conditioning, sports equipment, etc. Biomechanics helps us to understand and explain why and how we move in life and sports. Enjoy the episode!Did you enjoy this episode?Please subscribe and leave a review on:AppleSpotifyGooglePandoraiHeartRadio

Homilia Diária | “A Verdade de Cristo é a Verdade de sempre” (Memória de Santo Irineu de Lião) Pe. Paulo Ricardo 28/06/22 --- Send in a voice message: https://anchor.fm/jlio4/message

In todays episode we got none other than Jordan aka. GB9 Be sure to follow him on twitter @GettingBigger9 ! We discuss how the minds eye plays into how guys view themselves an how it can actually be a deterrent into PE. We also discuss Jordan's, journey into PE and why he decided to start an Only Fans to teach it. We also discuss the pros and cons of teaching PE along with the importance of mindset and how its extremely relevant to attaining the goals you really want! ************************************************************************************************* For any inquiries, questions or for more content discussed here hit up masculinehealthsolutions.com follow MHS on Instagram @masculine.health.solutions.pe 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! Looking to get started in PE check out TotalManShop hanging rig or their complete starter pack as you have all the tools you'll need and more. Use the promo code MHS2020 to get 12% off! Another great sponsor of the show is the NaturalHealthStore with products ranging from Test boosters, to Semen Increasers to my favorite the Men's Daily Pack Looking for a device that's so comfortable you can sleep in it? Then check out the PhallosanForte it aint cheap for this state of the art device at $380 USD but its well worth and has the research to back it up! Also if you are looking to get started in PE check out jelq2gain.com to learn in a class setting, and if you want to get yourself hanging be sure to use the promo code MHS10 for a sweet discount!

Marjorie Lloyd is a Doctor of Physical Therapy who has worked with collegiate athletes, pediatrics and tier one operators. We discuss her journey into physical therapy, footwear and injuries, the aging athlete, the power of sleep, the importance of PE in schools and so much more.

"A medida que o tempo está passando, os homens estão brincando com Deus...e com Deus não se brinca!" Pe. José Augusto 27/06/22 --- Send in a voice message: https://anchor.fm/jlio4/message

In the 33rd episode of the ATHHPE podcast we welcomeFrancina Hollingsworth (https://twitter.com/GurlsGettingFit),Steven Buller (https://twitter.com/BeardDripBuller)and our fearless Co-Host,Justin Schleider (https://twitter.com/SchleiderJustin)We discuss the "Slap Heard 'Round the World', teaching in a new era, teaching gender and other controversial topics in physed, and a lot more. Listen and think about it. Email me at dcarney1017@gmail.com I'd love to hear from you!Leave a review: https://podcasts.apple.com/us/podcast/the-supersized-physed-podcast/id1435115135My TPT store with Task cards: https://www.teacherspayteachers.com/Store/SupersizedphysedLarge Group Start from Scratch Course with Bonus PDF's and Grant Writing Files:https://pedave1017.gumroad.com/l/programLarge Group Sport Ed course: https://gum.co/sportedMy website: https://www.supersizedphysed.comFREE E-Book: https://supersizedphysed.us18.list-manage.com/subscribe?u=289486a5abf1f1b55de651a5e&id=4c476cb01

With family: Deuteronomy 32; Psalm 119:121–144 Deuteronomy 32 (Listen) 32   “Give ear, O heavens, and I will speak,    and let the earth hear the words of my mouth.2   May my teaching drop as the rain,    my speech distill as the dew,  like gentle rain upon the tender grass,    and like showers upon the herb.3   For I will proclaim the name of the LORD;    ascribe greatness to our God! 4   “The Rock, his work is perfect,    for all his ways are justice.  A God of faithfulness and without iniquity,    just and upright is he.5   They have dealt corruptly with him;    they are no longer his children because they are blemished;    they are a crooked and twisted generation.6   Do you thus repay the LORD,    you foolish and senseless people?  Is not he your father, who created you,    who made you and established you?7   Remember the days of old;    consider the years of many generations;  ask your father, and he will show you,    your elders, and they will tell you.8   When the Most High gave to the nations their inheritance,    when he divided mankind,  he fixed the borders1 of the peoples    according to the number of the sons of God.29   But the LORD's portion is his people,    Jacob his allotted heritage. 10   “He found him in a desert land,    and in the howling waste of the wilderness;  he encircled him, he cared for him,    he kept him as the apple of his eye.11   Like an eagle that stirs up its nest,    that flutters over its young,  spreading out its wings, catching them,    bearing them on its pinions,12   the LORD alone guided him,    no foreign god was with him.13   He made him ride on the high places of the land,    and he ate the produce of the field,  and he suckled him with honey out of the rock,    and oil out of the flinty rock.14   Curds from the herd, and milk from the flock,    with fat3 of lambs,  rams of Bashan and goats,    with the very finest4 of the wheat—    and you drank foaming wine made from the blood of the grape. 15   “But Jeshurun grew fat, and kicked;    you grew fat, stout, and sleek;  then he forsook God who made him    and scoffed at the Rock of his salvation.16   They stirred him to jealousy with strange gods;    with abominations they provoked him to anger.17   They sacrificed to demons that were no gods,    to gods they had never known,  to new gods that had come recently,    whom your fathers had never dreaded.18   You were unmindful of the Rock that bore5 you,    and you forgot the God who gave you birth. 19   “The LORD saw it and spurned them,    because of the provocation of his sons and his daughters.20   And he said, ‘I will hide my face from them;    I will see what their end will be,  for they are a perverse generation,    children in whom is no faithfulness.21   They have made me jealous with what is no god;    they have provoked me to anger with their idols.  So I will make them jealous with those who are no people;    I will provoke them to anger with a foolish nation.22   For a fire is kindled by my anger,    and it burns to the depths of Sheol,  devours the earth and its increase,    and sets on fire the foundations of the mountains. 23   “‘And I will heap disasters upon them;    I will spend my arrows on them;24   they shall be wasted with hunger,    and devoured by plague    and poisonous pestilence;  I will send the teeth of beasts against them,    with the venom of things that crawl in the dust.25   Outdoors the sword shall bereave,    and indoors terror,  for young man and woman alike,    the nursing child with the man of gray hairs.26   I would have said, “I will cut them to pieces;    I will wipe them from human memory,”27   had I not feared provocation by the enemy,    lest their adversaries should misunderstand,  lest they should say, “Our hand is triumphant,    it was not the LORD who did all this.”' 28   “For they are a nation void of counsel,    and there is no understanding in them.29   If they were wise, they would understand this;    they would discern their latter end!30   How could one have chased a thousand,    and two have put ten thousand to flight,  unless their Rock had sold them,    and the LORD had given them up?31   For their rock is not as our Rock;    our enemies are by themselves.32   For their vine comes from the vine of Sodom    and from the fields of Gomorrah;  their grapes are grapes of poison;    their clusters are bitter;33   their wine is the poison of serpents    and the cruel venom of asps. 34   “‘Is not this laid up in store with me,    sealed up in my treasuries?35   Vengeance is mine, and recompense,6    for the time when their foot shall slip;  for the day of their calamity is at hand,    and their doom comes swiftly.'36   For the LORD will vindicate7 his people    and have compassion on his servants,  when he sees that their power is gone    and there is none remaining, bond or free.37   Then he will say, ‘Where are their gods,    the rock in which they took refuge,38   who ate the fat of their sacrifices    and drank the wine of their drink offering?  Let them rise up and help you;    let them be your protection! 39   “‘See now that I, even I, am he,    and there is no god beside me;  I kill and I make alive;    I wound and I heal;    and there is none that can deliver out of my hand.40   For I lift up my hand to heaven    and swear, As I live forever,41   if I sharpen my flashing sword8    and my hand takes hold on judgment,  I will take vengeance on my adversaries    and will repay those who hate me.42   I will make my arrows drunk with blood,    and my sword shall devour flesh—  with the blood of the slain and the captives,    from the long-haired heads of the enemy.' 43   “Rejoice with him, O heavens;9    bow down to him, all gods,10  for he avenges the blood of his children11    and takes vengeance on his adversaries.  He repays those who hate him12    and cleanses13 his people's land.”14 44 Moses came and recited all the words of this song in the hearing of the people, he and Joshua15 the son of Nun. 45 And when Moses had finished speaking all these words to all Israel, 46 he said to them, “Take to heart all the words by which I am warning you today, that you may command them to your children, that they may be careful to do all the words of this law. 47 For it is no empty word for you, but your very life, and by this word you shall live long in the land that you are going over the Jordan to possess.” Moses' Death Foretold 48 That very day the LORD spoke to Moses, 49 “Go up this mountain of the Abarim, Mount Nebo, which is in the land of Moab, opposite Jericho, and view the land of Canaan, which I am giving to the people of Israel for a possession. 50 And die on the mountain which you go up, and be gathered to your people, as Aaron your brother died in Mount Hor and was gathered to his people, 51 because you broke faith with me in the midst of the people of Israel at the waters of Meribah-kadesh, in the wilderness of Zin, and because you did not treat me as holy in the midst of the people of Israel. 52 For you shall see the land before you, but you shall not go there, into the land that I am giving to the people of Israel.” Footnotes [1] 32:8 Or territories [2] 32:8 Compare Dead Sea Scroll, Septuagint; Masoretic Text sons of Israel [3] 32:14 That is, with the best [4] 32:14 Hebrew with the kidney fat [5] 32:18 Or fathered [6] 32:35 Septuagint and I will repay [7] 32:36 Septuagint judge [8] 32:41 Hebrew the lightning of my sword [9] 32:43 Dead Sea Scroll, Septuagint; Masoretic Text Rejoice his people, O nations [10] 32:43 Masoretic Text lacks bow down to him, all gods [11] 32:43 Dead Sea Scroll, Septuagint; Masoretic Text servants [12] 32:43 Dead Sea Scroll, Septuagint; Masoretic Text lacks He repays those who hate him [13] 32:43 Or atones for [14] 32:43 Septuagint, Vulgate; Hebrew his land his people [15] 32:44 Septuagint, Syriac, Vulgate; Hebrew Hoshea (ESV) Psalm 119:121–144 (Listen) Ayin 121   I have done what is just and right;    do not leave me to my oppressors.122   Give your servant a pledge of good;    let not the insolent oppress me.123   My eyes long for your salvation    and for the fulfillment of your righteous promise.124   Deal with your servant according to your steadfast love,    and teach me your statutes.125   I am your servant; give me understanding,    that I may know your testimonies!126   It is time for the LORD to act,    for your law has been broken.127   Therefore I love your commandments    above gold, above fine gold.128   Therefore I consider all your precepts to be right;    I hate every false way. Pe 129   Your testimonies are wonderful;    therefore my soul keeps them.130   The unfolding of your words gives light;    it imparts understanding to the simple.131   I open my mouth and pant,    because I long for your commandments.132   Turn to me and be gracious to me,    as is your way with those who love your name.133   Keep steady my steps according to your promise,    and let no iniquity get dominion over me.134   Redeem me from man's oppression,    that I may keep your precepts.135   Make your face shine upon your servant,    and teach me your statutes.136   My eyes shed streams of tears,    because people do not keep your law. Tsadhe 137   Righteous are you, O LORD,    and right are your rules.138   You have appointed your testimonies in righteousness    and in all faithfulness.139   My zeal consumes me,    because my foes forget your words.140   Your promise is well tried,    and your servant loves it.141   I am small and despised,    yet I do not forget your precepts.142   Your righteousness is righteous forever,    and your law is true.143   Trouble and anguish have found me out,    but your commandments are my delight.144   Your testimonies are righteous forever;    give me understanding that I may live. (ESV) In private: Isaiah 59; Matthew 7 Isaiah 59 (Listen) Evil and Oppression 59   Behold, the LORD's hand is not shortened, that it cannot save,    or his ear dull, that it cannot hear;2   but your iniquities have made a separation    between you and your God,  and your sins have hidden his face from you    so that he does not hear.3   For your hands are defiled with blood    and your fingers with iniquity;  your lips have spoken lies;    your tongue mutters wickedness.4   No one enters suit justly;    no one goes to law honestly;  they rely on empty pleas, they speak lies,    they conceive mischief and give birth to iniquity.5   They hatch adders' eggs;    they weave the spider's web;  he who eats their eggs dies,    and from one that is crushed a viper is hatched.6   Their webs will not serve as clothing;    men will not cover themselves with what they make.  Their works are works of iniquity,    and deeds of violence are in their hands.7   Their feet run to evil,    and they are swift to shed innocent blood;  their thoughts are thoughts of iniquity;    desolation and destruction are in their highways.8   The way of peace they do not know,    and there is no justice in their paths;  they have made their roads crooked;    no one who treads on them knows peace. 9   Therefore justice is far from us,    and righteousness does not overtake us;  we hope for light, and behold, darkness,    and for brightness, but we walk in gloom.10   We grope for the wall like the blind;

Leia: Jonas 2 "Em meu desespero clamei ao Senhor, e ele me respondeu. Do ventre da morte gritei por socorro, e ouviste o meu clamor(...)Quando a minha vida já se apagava, eu me lembrei de ti, Senhor, e a minha oração subiu a ti, ao teu santo templo(...)E o Senhor deu ordens ao peixe, e ele vomitou Jonas em terra firme. Jonas 2:2,7,10 Reflita: O que fazer no desespero? O que você faz quando se vê no fundo do poço? Num turbilhão de emoções? Corre para o whatsapp? Liga para alguém para reclamar? Grita? Se desespera? Chora? Quando estava dentro do peixe, desesperado, Jonas clamou ao Senhor por misericórdia. E ele foi ouvido e atendido. Como ele, ao nos depararmos com uma situação desesperadora em vez fugir ou lutar, devemos clamar. Pedir a Deus com toda intensidade por socorro. Pedir ajuda, perdão, conforto, consolo...Ele é nosso Pai e ocupa o trono celestial de onde governa e tem o controle de tudo, mas mais do que isso, tem uma misericórdia infinita que acaba de ser renovada no seu dia. Não a desperdice. Peça, clame e receba! Ore: Pai amado, obrigada porque és misericordioso. Ainda que eu tenha o desagradado, consciente ou inconsciente, tem compaixão de mim. Vem ao meu socorro nessa hora!

Paul and his team share some interesting research about bear markets. Listen along to hear how bear markets rebound differently than market downturns, why the P/E ratios of companies are a significant factor, and how investors have hurt themselves by getting out during long stretches of lackluster returns. Paul warns investors not to leave sound academic principles and go searching for returns. To get a copy of our new book, Confident Financial Planning, go to paulwinkler.com/book.

Shaz Kahng is a visionary leader and inventive thinker who is passionate about consumer-focused businesses. Shaz brings a wealth of experience running companies and businesses such as Gymboree, Lucy Activewear, Nike, and working with brands like Staples, Carters, Sephora, Tiffany, Levi Strauss, Macy's, Quaker Oats, Kraft, and P&G. She currently serves on the public corporate board for GoPro & is an advisor to PE and VC backed businesses and is on the Investor Advisory Council of AVG Funds, a venture capital firm. Shaz is also the writer of two novels in her Ceiling Smashers series. Shaz graduated from Cornell and Wharton and is the mother of twin girls. Learn more about her: https://www.linkedin.com/in/shazkahng/

Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.  What are the promising investment themes within healthcare? Private equity offers an avenue to invest in promising smaller companies before their value becomes widely recognised. For more insights, Genevieve Cua speaks to Hui Yang Goh, Pictet wealth management's senior adviser for alternative investments in Asia. This episode is brought to you by Pictet Wealth Management. Highlights (click/tap above):  01:38 The various routes to invest in healthcare, from private to public markets 02:17 2021 was a banner year for returns from the healthcare theme in public and private markets 03:35 Why invest in healthcare at all: Highlighting the growth drivers 06:36 Hui Yang Goh on how PE enables investors to tap into innovation by smaller companies: the opportunities and risks 09:16 What are the most attractive healthcare themes with the greatest potential? 11:34 Investors are nervous about the macro environment. Hui Yang's insights on the impact on deal valuations broadly and the resilience of healthcare in particular 13:31 Incorporating sustainability and ESG considerations into healthcare PE investments Produced by: Genevieve Cua (gen@sph.com.sg), Howie Lim & Claressa Monteiro Edited by: Howie Lim More about: Biotech – where investors can access the value created by medical innovation https://perspectives.group.pictet/innovation/biotech---where-investors-can-access-the-value-created-by-medica An innovation story: the long-term outlook for health and care https://perspectives.group.pictet/innovation/an-innovation-story--the-long-term-outlook-for-health-and-care Pictet Wealth Management https://asia.group.pictet/wealth-management Follow WealthBT podcasts and rate us at: Channel: http://bt.sg/btwealthbt Apple Podcasts: http://bt.sg/wbAP Spotify: http://bt.sg/wbSP Google: http://bt.sg/wtGO SPH Awedio app: https://www.awedio.sg/ Website: http://bt.sg/wealthbt Feedback to: podcast@sph.com.sg Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties.  Discover more BT podcast series: BT Money Hacks Podcast at: https://bt.sg/btmoneyhacks BT Mark To Market Podcast at: http://bt.sg/btmark2mkt BT Podcasts at: http://bt.sg/pcOM PropertyBT at: http://bt.sg/btpropertybt #BTPodcast See omnystudio.com/listener for privacy information.

近期多家美國科技巨頭釋放裁員、放緩招聘的消息，全球資金緊縮，科技業面對了哪些逆風，成長潛力還在嗎？ 本次「大師列車」Podcast 邀請到 M觀點創辦人 Miula 來回答總經論壇用戶的遺珠問題，還有全球全球市場研究員 Vivianna 來更近近期企業獲利、匯率的看法！ / 在整個經濟結構調整之下，股價的反應會先從估值開始修正，後期針對前景的預期調整，也就是從殺估值到殺前景。 / 以 70 年代後的那次衰退為例，PE 大概下修到 1981 Q1 就見底了，但是股價到 1982 年落底，對經濟前景的對焦進行了整整一年。 / 資產配置上優先選擇長線不會有問題的公司，不要去猜測底部，也不要離開賽局。 #精華重點搶先看

Ready for a free master class on post-tensioned (PT) concrete? Today, Michael Hopper, P.E., an Associate Partner at LERA Consulting Structural Engineers, elaborates on his professional experience designing award-winning post-tensioned concrete structures to teach you everything about it. Tune in to Learn: What prestressed concrete is and what makes it different from other structural systems Why pre-tensioned and post-tensioned concrete are both "prestressed concrete" Common applications of pre-tensioned and post-tensioned concrete How pre-tensioning and post-tensioning are achieved The structural and construction benefits of using post-tensioned concrete How void formers and post-tensioning can reduce construction effort and cost How post-tensioned concrete can help you reduce your building skin costs One aspect contributing more to global warming than concrete — and how PT can help When to use grouted and ungrouted post-tension systems What's the SE 2050 Commitment for structural engineering firms? Michael's #1 advice for young engineers just getting started Out Partners: Built Bar - https://civilengineeringacademy.com/built School of PE - https://civilengineeringacademy.com/sope Resources Mentioned: Michael Hopper, PE - https://www.linkedin.com/in/michael-hopper-p-e-7b5aa398 LERA Consulting Structural Engineers - https://www.lera.com Columbia Uni Medical Center - https://www.lera.com/medical-education-building-columbia-uni David Rubenstein Forum - https://www.lera.com/rubenstein-forum Novartis Radiation Oncology Research Office Building - https://www.lera.com/novartis ACI - https://www.concrete.org ASCE - https://www.asce.org Structural Engineering Institute (SEI) - https://www.asce.org/sei SE 2050 Commitment - https://se2050.org Penn State University - https://www.psu.edu --- Send in a voice message: https://anchor.fm/civilengineeringacademy/message

Lea shares her experience at the Summer Solstice '22 event in Pe' Sla and on the Pine Ridge Reservation in South Dakota.

In this week's episode, I talk to Janene Liston about the P of Pricing. We talked about understanding how to price your offers. Janene is a highly trusted Pricing Consultant & Business Coach working with small businesses, startups and entrepreneurs across industries and the globe. She's also a Certified Pricing Professional who has been helping businesses improve pricing and profits for over 25 years. Her mission is to empower small businesses to be more sustainably profitable. Helping them know the value of their offer and more effectively implement their pricing. Ensuring they can confidently create, communicate and charge for the value they deliver. She's the host of Live with the Pricing Lady, the Podcast, a European public speaking Champion and a sought-after podcast and radio show guest. Watch out, her passion for pricing is contagious In this episode, you'll learn about understanding how to price your offers as well as... why pricing is so darn difficult Value Pricing and what the heck that means anyways Pricing psychology and when pricing gets icky How to apply fair and humane Pricing if we want a Triple Win: win for ourselves, win for our clients and win for the planet What confidence has to do with Pricing Discounting our prices And much more… Janene's Resources   Janene's Website Live with the Pricing Lady Check out Janene's free resources Connect with Janene on: Twitter Facebook YouTube LinkedIn Sarah's Resources Watch this episode on Youtube (FREE) Sarah's One Page Marketing Plan (FREE) Sarah Suggests Newsletter (FREE) The Humane Business Manifesto (FREE) Gentle Confidence Mini-Course Marketing Like We're Human - Sarah's book The Humane Marketing Circle Authentic & Fair Pricing Mini-Course Podcast Show Notes We use Descript to edit our episodes and it's fantastic! Email Sarah at sarah@sarahsantacroce.com Thanks for listening!   After you listen, check out Humane Business Manifesto, an invitation to belong to a movement of people who do business the humane and gentle way and disrupt the current marketing paradigm. You can download it for free at this page. There's no opt-in. Just an instant download. Are you enjoying the podcast?  The Humane Marketing show is listener-supported—I'd love for you to become an active supporter of the show and join the Humane Marketing Circle. You will be invited to a private monthly Q&A call with me and fellow Humane Marketers -  a safe zone to hang out with like-minded conscious entrepreneurs and help each other build our business and grow our impact.  — I'd love for you to join us! Learn more at humane.marketing/circle Don't forget to subscribe to the show on iTunes or on Android to get notified for all my future shows and why not sign up for my weekly(ish) "Sarah Suggests Saturdays", a round-up of best practices, tools I use, books I read, podcasts, and other resources. Raise your hand and join the Humane Business Revolution. Warmly, Sarah Imperfect Transcript of the show We use and love Descript to edit our podcast and provide this free transcript of the episode. And yes, that's an affiliate link. Sarah: [00:00:00] [00:01:00] [00:02:00] [00:03:00] [00:04:00] [00:05:00] [00:06:00] [00:07:00] Hi, Janine. So happy to have this conversation with you. Yay. I'm so glad Malita introduced  Janene: the two of us. Yeah, me too. Great to  Janene: be  Sarah: here. So Janine, we're gonna be talking about pricing. It's kind of one of the, I'd say it's definitely a hard topic. You know how I have the humane marketing mandala and one of the pieces. Pricing. And so I always have in each kind of season, I [00:08:00] have one of the episodes about pricing and it's definitely one that a lot of people listen to cuz let's face it. It's not easy for us business owners. So I wanna ask you that question, why it's not easy, but maybe for before that tell us a little bit about you and how you got into pricing. They call you the pricing lady. So , so tell us how that all came about. Yeah. And yeah. Share a little bit of your  Janene: story with us. Okay. Yeah. So thank you. First of all, for having me here and welcome to all those of you who are watching and listening. I started my career. I'm a us born. I grew up in California. I started my career as a structural engineer and after a few years of practicing, I decided it wasn't what I wanted and ended up. Long story short ended up in product management. And the first thing that they handed me was a price list and it was 20 years old and without any commercial background or any real marketing knowhow, I knew [00:09:00] something was wrong with that and took it upon myself to not just redo my price list, but all the price lists and really. Gave everything a refresh. And that was really my first foray or my first experience in pricing. I can honestly say I had no real background in it. But I just knew that was wrong and that we needed to at least fix that. After it was with that company, I came to Switzerland in 2001. And when I decided to stay here, then I was hired as a global pricing manager for Siemens building technologies. And that was in 2004. And it's been all pricing all the time. Since then. So it's been nearly 20 years of just pricing. I worked in also in another industry in the agricultural industry agrichemicals and seeds industry for a while. And then in 2015 started my own business. And at the time I didn't know what to call myself. A coach, a consultant. And I, you know, I didn't really care for either of the terms. [00:10:00] And one day I was explaining to someone that when I would do projects in the corporate world, I was traveling all over the place and I'd walk into a new location with a new group of people to kick off a pricing project and, you know, walk up to them and start introducing myself. Hey, I'm Janine, I'm here for the pricing project and they go, yeah, I know you, you're the pricing lady. . And she goes, well, why didn't you call yourself that? I was like, I dunno, , let's do it. And so now I use it, I leaned into it fully and, and use it. And I, I find it very easy. It's a nice way to, first of all, introduce myself because it always puts a smile. Either people are confused at first if they're not native English speakers, they're like, what, what is that? But usually people smile. It's easy to remember. Right. And it sort of breaks the ice. So it, it, for me, it fits the bill of not saying I'm a coach or I'm a consultant. Which makes me a little bit more general, but it puts me in [00:11:00] a very different position. It's very clear what what I work with and what I do. Yeah. And it kind of has this  Sarah: familiar tone to it. It's not like, oh, I'm the pricing expert. You know, it's like, I'm the pricing lady. I, I know a thing or two  Janene: about pricing. it's approachable. That was one of the things that when I worked on my brand. I kept using the word fun. And of course the people who are with the branding experts were like, no, don't use the F word . Yeah. You know, cause a lot of people try to do that and it's very general. And I, I understood that. And then one day I realized it's it was about being approachable. Most small businesses may feel that, you know, consultants are out of reach for them. You know that it's not something that's really available to them. And I really wanted to work with small businesses and I am approachable. And you know, I work a little bit differently than you might with a typical consultant. Although I can work in that way. I, I prefer to work with people in, [00:12:00] in a more approachable way. End fun pricing can be fun. And I've actually had people tell me specifically that, you know, they really dreaded going to that workshop, that pricing workshop or course, or whatever it was, but it was actually really a lot of fun for them. And to me that was, you know, high praise .  Sarah: Yeah. Yeah, totally. It's funny because for me as well, I think about pricing and, and it's like, you know, math. And numbers and that kind of stuff comes up and, and, and that's only a very small part of it. I'm sure. But we'll dig into that a little bit today. So, so yeah. Why don't we go back to my initial question that I thought, you know, why is it so hard for us to price? As small business owners to put a price on our services, what have you found out over the last 20 years? Janene: Great question, Sarah. So in my experience, there's really two reasons. [00:13:00] One is that nobody ever taught you how Hmm. Yeah, right. It's like, you know, if nobody ever taught you how to ride a bike, you'd figure it out possibly by yourself. But you'd have quite a bit of scrapes and bruises and bumps and maybe some mild trauma depending on, on, you know, how quickly you were able to do it. And it's the same with anything else. As well as with pricing, if nobody's ever showed you, how then, why would you expect for it to be just something that you would know how to do? And it would be easy and without any struggle, it's a little bit illogical to think that it would be nobody's ever pulled us aside in school and said, okay, Sarah, 30 years from now, when you start your own business, this is how you're gonna set the price of your, your packages. Right. They don't do that. And funnily enough, most people don't realize. While they do teach about pricing in MBAs. They don't actually teach you how to go about setting your prices. [00:14:00] Mm, they talk about, well, there's, you know, penetration strategies and skimming strategies and there's price elasticity. They use all these big fancy words, but they don't actually tell you how to go about setting those prices. So yeah, most people don't know how that's the first reason. Right.  Sarah: The second reason. Can I just go in there as sure. Because also what came to mind is for the MBAs probably cause I've worked at an international management school here in Loza and they have a big MBA program. And so I think when they teach about pricing, they look at big companies. They don't necessarily look at the small business owner and the small entrepreneur as an example. Right. And that, I think also probably leads to the, I don't know what you're gonna say for the second reason, but I have a feeling it has to do more with the, the personal aspect as well.  Janene: Yes, it does. Mm-hmm it does you're right. I would say those programs are geared towards more corporates. Yeah. Uh, [00:15:00] Yet again I would say. A lot of corporates are not very good at setting and managing their prices either. Mm. Yeah. I mean, even the corporates are not good at it. How are we gonna figure it? They do. They do struggle with it. They struggle with different aspects of it. Mm-hmm but if you think about in the larger company, who's usually responsible for setting the prices. A lot of times it's the product manager, right. And the product manager's background is not a marketing one. Right. They're an engineer or they're an agronomist or they're a scientist, you know, or a chemist. Right? They have no commercial background. No. Yeah, it's true. Yeah. So it it's, it's. It's a very important aspect and a larger company. A lot of people are responsible for it. Of course, in a smaller company, you gotta wear all the hats, the finance hat and the marking hat and the sales hat, so on and so forth. And that comes to, like you said, the second aspect of it, which is very personal and it has to do with [00:16:00] your core beliefs around money, success and worthiness mm-hmm . Yeah. And that is, you know, that is really something. Comes in full force for most small business owners because it becomes it shouldn't. But for many people it feels like that price that they're setting is somehow a reflection of them personally. Right. And being able to make. You know that disconnect, you know, you're not, I, I used to have a program called speak, believe in charge your worth. And I always had a real problem with charge your worth being in that phrase. I couldn't find a better way to say it. So I stuck with it for a while, but because it's really, it's not your worth. It's the value of what your products are, services or. Bring the customer and yeah, being specific with your language in that way can be very important. Most of us have hangups with money, success, and worthiness that play a sabotage role in the [00:17:00] background of our decision. So I was just got off the call with a client who is Dutch. And I've had several clients who are Dutch and they always think that the price has to be the lowest price in the market. Mm. But that is, you know, something that comes from in large part, the Dutch culture from their families, from their upbringing that, you know, it always has to be the lowest price. Now, many of those clients are operating in Switzerland where people are. Generally willing to pay a bit more. They're not always looking for the cheapest solution and yet they're operating with this completely other mindset in a market that doesn't match that mindset. And it really makes it hard for them. To feel like they can charge more. So that's just one example. Yeah. Yeah. I mean, we  Sarah: could do an hour just on  Janene: this topic alone. Right.  Sarah: And, and, and that's yeah, you work with clients on that. It's part of my marketing, like we're human program, because it, it is like, if you don't get. [00:18:00]  Janene: Like, if you don't do the deep work right there, mm-hmm , I, I honestly  Sarah: think you can never figure out the pricing and, and, and it's so interesting. You're bringing up different cultures so that matters, but then also, you know, how you grew up and, and, and all of these. Influences that obviously by the time we are ready to launch our business while we've been influenced by all of this. So we come with this baggage that is just like, yeah. And it's, it's so different from. You know, being an employee in a corporate where it has nothing to do with you, even if you are the one setting the price, it has nothing  Janene: to do with you where here it has everything to do with you, or you think it has everything to feel it. Yeah. Yeah. It's. Even, I mean, in the corporate world. So to me, there's two sides to pricing. There's, you know, the, the more concrete side, which is the numbers and the figures, which generally are [00:19:00] feel more concrete. And then there's the psychological side. I always tell people. Somewhat jokingly, but I actually mean in all seriousness is that pricing is all about the psychology baby. And you have to wiggle your eyebrows. When you say that , I don't think I'm asking. You're not doing it very well today. I'm out of practice because whether it's a small company or a big company, the psychology. Your personal psychology, the psychology of your organization. And this I've seen in large companies, the sales team thinks that price is the most important factor. From the customer's perspective. I will tell you nine times outta 10, when we did the research, we found it was maybe in the top five, usually within the top 10 mm-hmm . But if your sales team thinks it's number one, That is going to impact how they behave when they're having sales discussions with your customers. Yeah, so it, it's not just a small business [00:20:00] thing. It, it happens in both sides. And when it comes to psychology, you have the psychology internal to your business for a small business, your psychology usually and not of your employees, but then you also have the external psychology towards the market, towards the customer. So it has many different facets to.  Sarah: Yeah, I wanna talk about, so we addressed the, you know, the internal psychology a little bit, because it has to do with, you know, who you are, what you believe, whether you believe that you are worthy net, whether you ever sell anything anymore or not. Right. You have  Janene: to really, truly believe that you're worthy without ever  Sarah: getting a client again. right. And then there's the external psychology. And, and I talk about that also in my marketing, like we're human book, that's kind of. Cheeky psychology that we're taught in, in marketing and kind of this online sales world. Mm-hmm so I'm really curious to, to hear more about that and your points of view, and what's true. [00:21:00] What's not, and mm-hmm and how to deal with it when we want to. You know, apply this humane approach to running a business with ethics and not cheat people into buying your stuff just by using some kind of psychology hack mm-hmm . So talk to us about that.  Janene: Okay. Before I get into that, let me just make one more comment. So one of the things that I've learned in having my own business is I thought this was a career development journey. Mm. When in fact it's been a perfect per a personal development journey from day minus two until the day I stop, it will continue to be a personal development journey. And that's also one of the reasons that this personal psychology. Placed it such a big role. So you're constantly being pushed outside of your comfort zone. Pricing is certainly one of those areas. The value of what you offer is certainly one of those areas and, and being able to have the [00:22:00] strength and the courage. To step outside your comfort zone to tackle these things is what's going to enable you to keep pushing forward in your business and be there to deliver the great things that you wanna deliver to your clients. I truly believe that. And I'm sure that people told me that before I started. I'm sure I did not understand it. I know, but it is 100%. My reality. Yeah, yeah, yeah,  Sarah: yeah. That's a good preface for, for what's coming up next.  Janene: okay. So now you wanted to talk about the psychology. So the external psychology, there are a lot of things. A lot of studies out there. A lot of tricks of the trade, if you will. I'm not sure I like that terminology. But when it comes to, you know, having a humane business and I, I I'm, I'm not going to say that using them is inhumane or humane. I'm not making any judgment. What I really [00:23:00] feel is that as a business owner, you should understand the psychology side of it because. Even if you're not using it actively, you wanna make sure that accidentally you're not doing things that are hurting your business. . Yeah. And, and that's very possible to do. For example, I had a client a few weeks ago, we had CR gone through and created her price list. And she was getting her website ready and she had two offers, one for a very high priced. Group high net worth individuals. And the second offer, there were two completely different offers, but one was targeted towards young adults who were just starting out in their careers. Mm-hmm . And so she had one offer on one webpage and the other offer on another, and then she had a pricing page and she had the prices for both offers side by side mm-hmm which from a psychology perspective [00:24:00] meant that all the good work we had done was actually now working against her because it felt like cuz the prices were on the same page. Like they were competing with each other mm-hmm whereas if she just removed the pricing page and put the price for the young adult offer here and the price for the high net worth individuals here, that comparison would not be made in the same way. That's what I mean by you have to understand, you know, These things are communicating so that you can make sure you're not doing things in a way that is actually hurting your business or your customer's experience. Mm. Yeah. Now one of the things you and I had spoken about was the endings of prices. Right? Right. You might have that conversation. yeah. Should it be 95 or 97 or 99 or zero? So I can't answer that question. For everybody that is going to be a very individual decision in each business. Here's what I can tell you. And then you can decide for [00:25:00] yourselves what is going to be best suited for your company prices that end in zero, tend to be associated with more luxury goods. Prices. It ends in nines and sevens and fives tend to be associated, especially when they put, you know, 95 cents. Yeah. Or 99 cents at the end, those tend to be associated with more. Companies that are playing towards the low price leader side of things. How, how do I know this? If you go into Louis Viton you will never see 1,999 and 99 cents, right? You just won't see it. No, yeah. You'll see. 2000, you'll see, 2,500, 8,000, right. It's just, and, and the prices will be tiny on a little teeny, tiny price tech. Yeah, you go to Miro or you go to Kmart or somewhere like that. They have big price tags with great big [00:26:00] prices on them. And there's 90 nines and 90 fives at the bottom. Right. So you have to, you know, what sort of, you know, how does this align with the value or with your purpose or brand? What's gonna make more sense for you. Yeah. And, and, and,  Sarah: and how is it gonna resonate with your clients? You know, who are you trying to attract? If you have a big ticket and, you know, service and you price it with the 99 cents at the end, they probably  Janene: won't like it well, it depends. And it also depends. So here's another example. If you're say you're a consultant, you're offering projects. If you offer a price of 25,000 versus 24,495, right then from the customer's perspective, 25,000 looks like a number that you kind of just pulled outta your back pocket. Whereas [00:27:00] 24,495 looks like a number that you've actually spent some time considering. does that make one better than the other? You have to be the judge about yeah. What per what you want or how you want to be perceived by your customers. What's going to make more sense right now, if you're in an, in an industry or in a part of the world where you're gonna be doing a lot of negotiation, then 25,000, maybe. Just the easiest place to start. Right. But if you're looking not to do a whole lot of negotiation, you may start with a number that's more precise because then it reflects that that number is precise. Right.  Sarah: And if you're in Morocco, because I just came back from two weeks in Morocco I learned that you, you know, negotiate the price down to 30% of. They tell you, and then you go back up. So yeah, that's something that we're completely not used to doing the whole bargaining. Right. So I don't recommend that. no, no. And  Janene: I think you are, you're [00:28:00] absolutely right. Think about who you're targeting, what they expect, what works exposed for you now, the 90 nines and the 90 sevens. You know, those work with target groups that are more price sensitive. Yeah. They do, I mean, studies have shown time and again, that 1499 people see the 14, they don't think 15. Yeah. So if they were to see 15 and 1499 next to each other, they would perceive the 1 14 99 as being 14. Now that doesn't mean you have to use that in your business. You need to do what's right for you and for your clients. So understand why those things are things, if you will and then decide, okay. What feels right for my business and for my audience and lead with that, because that's most important to me is that you believe in the number that you use. Yeah.  Sarah: I think that permission piece is so important [00:29:00] because yeah. I've had people ask me, so do I need to do the 2 97? Can I not just, you know, say 300 just because everybody else is doing it. And I'm like, no, you just like, you it's like, whatever you feel is right. And because when you priced the way you feel is right. then if you've done your, you know, intense client work and know who your client is, well, then they will also resonate with that more than the 2 97. Janene: So, and if you're really, really not sure, create two landing pages, change one to have a price of 2 97, 1 to have a price of 300 and AB test. Yeah. Yeah. See what works better. Exactly. Yeah. I mean, okay. You'll make $3 or three Franks, less on each sale for the 2 97, depending on how on your margins. That could be that could make a difference or not, hopefully not. You know, but that's test it out. Yeah. Who says you can't. No  Sarah: one, I have a [00:30:00] follow up question on the comparison because that's another example that I share in the book and we see a lot where we have one same offer mm-hmm , but we have three different prices, you know, like one is the V I P offer the other one the sec, the one in the middle, and then the, the, the, the third one. And you know, where you use that anchor system. So talk to  Janene: us about that. Yeah. So anchoring is actually really important. I always tell PE, ask people what's the best way to sell a 500 Frank product, put it next to a 1500 Frank product. Right. And it's, it's, it's actually true. Yeah, you may never sell the 1500 Frank product, but if it's there, cause what, what you're doing. So the anchoring, the concept here is that people are going to want to compare it to something, right. And if you give them something else on the page to compare it to, they don't necessarily have to go elsewhere to look for a comparison. Right. Right. So that can be [00:31:00] really helpful. Now. Also not just the price, but what's included in each package. So you said the same offer, but there should be three different offers. Sorry. Yeah. Say same sales page, but same sales page, but three different offers. Yeah. What's included in those offers can steer behavior as well as the price. So let's say that, you know, the middle offer is the one that you think is the best for most of your clients. Right? Then you can set it up to kind of steer most of them towards that. Right. Or if you don't wanna use that, you need to make sure that you're not accidentally steering them in the wrong direction. Right. So based on what's included and the price levels, you can, you can. Help them navigate through the decision  Sarah: gently influence them or, or, yeah,  Janene: well navigate. Well, let's, let's face it. I mean, if I worked with a tool called [00:32:00] apathy and it is a tool that allows you to take an Excel. Like I, my pricing tools that I have on my website, they're Excel based. Mm-hmm it take, it takes the Excel tool and makes it into a web-based tool. Okay. So just converse it mm-hmm magic. I love it. and when I wanted to use it, they had three offers. Right. And the first offer was you have access for one, one month or three months. I forget which and then the next level up, it meant that you got a WordPress integration. And it was almost double the price. And I thought, well, okay, mm-hmm but where did press integration is really helpful? It can really solve a lot of problems. So I thought, okay, fine. And then the premium one came with phone support and I thought, well, I don't know anything about web based tools. I have no idea what I'm getting into and it was only 10 bucks more. So I think it went from like 30 to 60 to 70. Dollars. Okay. And the middle one was six months [00:33:00] and the last one was a one year access. Okay. So. My logic was okay. I want the WordPress integration. So I'm willing to pay double right and have six months access. Right. And then in the next step, my logic was, I want the phone support or the, the priority support. I didn't really care about the 12 months. I just, and it's only 10 bucks more. Okay. That's interesting. So they,  Sarah: they actually wanted you to get the, the third  Janene: offer. Right? Did, but that's where they put their focus. They absolutely did. Mm-hmm they absolutely did. And you know, if you start looking at, as you're buying things online, look, look at how they structure the offers and you'll see very clearly. Usually you can tell which one are the most profitable or at least which one they're steering you towards. Yeah. Wine lists at a gross at a grocery store at a restaurant mm-hmm . The most profitable will wine for most restaurants will be the second, most expensive. On like [00:34:00] buy the glass Uhhuh glass. Why? Well, they know that most people don't know a lot about wine mm-hmm so they're trying to, you know, make a good choice, but they don't wanna buy the, they don't wanna embarrass themselves by no, they're not gonna buy the cheapest and they're not gonna buy the most expensive mm-hmm so they buy the second most expensive,  Sarah: right. yeah. Yeah. And that's kind of the traditional thing. So I was surprised that with this tool, They actually wanted you to get the, you know, the highest one, even though it wasn't that much higher, because usually you see the third offer to be some kind of V I P you know, 10 times the middle of it depends. So it was interesting to, yeah, I've never  Janene: seen it really depends. So sometimes. You're right. Sometimes they use the, the premium offer as the main anchor. Yeah. Which means they make it so high price to make everything look cheaper. Yeah. But other times it's actually the it's better for ACY. It was better to have someone in there [00:35:00] for full year mm-hmm Because they had just started and they were working out some of the kinks right. In this web-based con web-based tool converter, if you will, for lack of a better phrase. And so, and to have me on the phone with them, so actually, Benefit more to have people all the way over there. Yeah. Yeah. That feels like  Sarah: an honest offer. You know, it feels like, okay, I see what you're doing, but it's a win-win situation and, and yeah. You know, that's what we want. So I'm gonna share with you an example of one of my programs. So the, the marketing, like we're human program, I ran it in January and I had those three offers. The first one was. Online only mm-hmm I think they went for 500 bucks and then the group program 950 mm-hmm cause I run it live only twice per year  Janene: mm-hmm  Sarah: and then the V I P program for 4,800 mm-hmm where they also got coaching besides the [00:36:00] group program. And so I thought like, you know, the, the cur the common advices, just put that V I P offer on there. You might sell one, but you might not. And to my surprise, I actually sold three and only four group programs. So I was like, what's going on here? Like how, yeah. Can you share some insights of what might have been happening there? Did I not put enough value maybe or perceived value in the group offer? What do you think  Janene: was happening? Yeah, there's a lot of things that could be going on there. The price difference between 509 50 is not very big. Did you get anybody at the 500 or was it no, not for this one. Exactly. So you made, you made the barrier very low for them to go to the middle package. Okay. Yeah,  Sarah: so which I wanted, I wanted to, which was good,  Track 3: right?  Janene: Yeah. Yeah. Which is, which is good. I wanted,  Sarah: You know, [00:37:00] probably, I mean, it was great that I had the three V I P I would've wanted more for the  Janene: middle one for the middle, right? Yeah. Yeah. Hmm. I think, I think here it's, it's just a matter of people wanting that one to one support. Yeah. So the big difference between the two packages, the middle and the top was getting your one to one time. Right. Is that correct? Am I correct in that?  Sarah: Yeah. Yeah. That's the difference. Yeah. Between the two. So,  Janene: And I think for, you know, for some things, you know, I, I I've had group programs as well and I, I will continue to do but I've found most of my clients prefer to work one on one. Because , this is gonna sound funny when I say it, you know, but most people will assume that. Their pricing is special. Right. And that it has to be done in a special way. It's unique and, yeah. Right. And, and yes, every business is unique. Don't get me wrong. I use the same [00:38:00] process with everyone, but as we go through that process, different. Different businesses will require we focus on different areas with different levels of intensity. Right? Right. So it's, it's same but different. And I would guess that, you know, the, the people who went for your, your V IP package, it was really because they wanted that one to one. FaceTime with you. Yeah. And they didn't think that the group would give them what they needed.  Sarah: Yeah. It's interesting. You get so much insights from, you know, just this example and, and, and then you're like, oh, what does that mean for me? Do I want to lower the V I P do I want to increase it? Because I actually want more people in the, in the group or, yeah. How do I play with that? And it's yeah. Yeah. It's just  Janene: so, I mean, I think, I think in your case you could play. Increasing the one to one package mm-hmm , but may, maybe also bringing your, your group program over a thousand. Yeah. Yeah. Yeah. It'll, [00:39:00] it'll be interesting how  Sarah: it plays out for the next. Yeah. I thought I'd bring it up and, you know, because these, yeah. These examples are, are real and we're like, how do we do this? And it's basically just like, well, you, you try and, and then you figure out, okay, this work, that didn't work. How do I improve it now? Right. But obviously  Janene: it could also be that. I mean, cuz they are. They are, I would guess the same, but different , which is so, so specific Janine in that, you know, one is a group, two of them are group program, and one is individual. So having it in this tiered structure, you know, it's. If you had say a VIP option, that was part of the group, it was really a VIP experience of the group, as opposed to a straight up one to one package, then you might see different results. Right, right. Yeah.  Sarah: Yeah. Again, what, what this tells me that is that pricing.[00:40:00]  It's not just about a number that you put on the thing it's also  Janene: about your offering, right? Offering pricing,  Sarah: same, same thing. Really. It's like, well, how much value are you going to put into that price? And, and I think that's kind of what went wrong the last few years. And that's why I, I kind of attack some of these pricing strategies where they use these psychology hacks to, you know, sell a program for a hundred thousand and that, and the actual value. It's just very questionable often. And, and so that's why, what we need to understand is like, well, what is the value that people actually get out  Janene: from that offer? Right. Well, I guess, you know, if, if the business is, you know, half a million dollar business and they're looking to grow to be a million dollar business than investing a hundred thousand dollars to grow your business to a million is, is a reasonable. Investment to expect to make, right? Yeah, of course. But if you're a [00:41:00] $80,000 business and you are investing a hundred thousand to try and get to  Sarah: 200,000, then you  Janene: know, it's, you can, the pace be made probably would most people buy into it? Probably not. Right? Yeah. So it's, it's all contextual and this is why. I cannot emphasize enough when it comes to pricing. You always, always, always have to go back to who are you targeting? Mm. Yeah, because if you're targeting businesses that are $80,000 businesses looking to get to 200, then a hundred thousand dollars offer or Frank offer is probably. Suitable for that target group. Yeah. That's true. And you can really make life difficult for you if you try to create, if you create an offer and then try to force that offer on the wrong target group, right? Yeah. And let's face it. Most businesses start with, this is what I offer. Now. Let me figure out who I [00:42:00] can sell it to . Yeah. As opposed to starting with, I wanna do something for this group of people, with what I have, let me figure out how I can best serve. Sarah: So it feels like there's like two big problems. Either you price too low because you have all this baggage or you grew up in a culture where the lowest price is the best idea or you price too high to the wrong target audience. And I'm sure there's a ton, tons of other problems, but these are kind of the two that stand out from our conversation. Janene: Would you agree with that? Well, yeah. I mean, it's much, if you. Regardless of whether or not, you know what you're no, let me, let me think about how I wanna say this. So. Probability that you will over under price is relatively high. The more you understand about pricing, the more you can reduce that likelihood, right? Yeah. Of being under overpriced doesn't mean it doesn't happen, but even, even if, and here's another interesting part of the [00:43:00] psychology. So even if your price is a little bit high, Yeah. If you're really good at communicating the value, you'll sell it anyhow. Yeah. No. Now you don't want it to be icky sales, but let's say I, you always use this example. So let me just use it again. There are two lemonade stands. You're walking down the street, you run across two lemonade stands. One says lemonade, 25 cents. The other says lemonade, 50 cents. Which one do you buy? okay. In most parts of the world, you might buy one from each kid. If they're two cute little kids selling lemonade, and just give the other one, a 25 cent tip, call it a day. But what if the one that is 50 cents also says clean water included? Hmm. Yeah. And that's the marketing  Sarah: piece. ,  Janene: that's the pricing psychology piece from the communication standpoint. Yeah. That child is communicating the value of what they deliver better. Now it may be that they are brother and sister [00:44:00] and mom is in the kitchen making the lemonade, but because one of them communicated the value differently. People are more willing to pay the 50 cents. Right. And let's say you're in a country where clean water isn't assumed. Then they have an even bigger advantage. So the better that you can communicate the value of your offer. To some degree, not big, not on a big scale, but to some degree, the more wiggle room you have in terms of, you know, O overpricing let's say yeah. Over underpricing. And that's exactly  Sarah: why. And what we said at the beginning, it's not just about the, the number. In fact, the number you can change it, however you want almost with, with boundaries, but it's about communicating that value. That's absolutely so key.  Janene: And I was saying most people struggle. To really understand. I see this in my clients all the time. This is where they struggle the most. When we get to the value [00:45:00] piece, consistently, I mean, there are struggles in different areas, but there's something about that. That attaching a number. Cuz when we do the value work, we don't just talk about benefits. Benefits are not value. It's what people get from those benefits that creates value. And you need to be able to understand the benefits so that you can understand how those create value and then quantify that value mm-hmm . And when it comes to quantifying value and know, it makes people feel really uncomfortable. but it's hard because  Sarah: again, your worth, your worst kind of gets  Janene: in there. It's like, really? Yeah. And they're like, well, what if you know, what if. I can't guarantee it. I'm like, I'm not asking you to guarantee it. I'm asking you to tell a story about the value that people can get. Mm-hmm you can choose to share that with clients or not. It's up to you, but if you don't understand what it is, [00:46:00] then how can you believe in any price that you put out there? Yeah. Yeah. You can't. Mm. And if you don't this ,  Sarah: I, I look at the hour and I'm like, oh no, we have to wrap up. But I'm so glad we brought up the, the value pricing. Cause that was kind of in the questions I, I had prepared and we just kind of jumped over it. But the, yeah, this idea of pricing for value and not like your Dutch  Janene: client just for time  Sarah: exchanged or, you know, let me get the cheapest offer out there so that I get the most clients. It is so important and I think it cannot be repeated enough and, and you're right. It's, it's difficult. I mean, it's,  Janene: you have to believe in the value that you bring. Yeah. Yeah. And if you don't look at it and, and put number to it, Then you'll really struggle to believe in it. And like I said, if you don't, they won't there's always a few gem clients out there who believe in spite that you [00:47:00] don't , but those, you know, those are, are often few and far between and the best thing for you and for your clients is that you understand and believe in the value that you bring. Sarah: Ah, this has been so good. Thanks so much, Janine. This you're welcome has been really valuable. I wish we could. Maybe we will do a second round round. hard to, yeah. But do you share with our listeners where they can find out more about you and how you work with clients and, and all of that? Yeah.  Janene: I encourage people to head on over to the pricing lady.com. Very easy to remember. I have a podcast you'll find some great Information on there as well and regular guests and also solo cast episodes, which are a little bit more instructional. And of course, if you'd like to book a call, you can find that there as well.  Sarah: Wonderful. And I have one last question and that is what are you grateful for today or this  Janene: week? This one? Yep. I'm grateful for opportunities like this. I [00:48:00] really enjoy sharing this topic with people and, and helping people to think differently about it so that they can gain momentum towards having a more sustainably profitable business. So thank you very much, Sarah. Thanks for everyone for listening. Thank  Sarah: you, Janine. Take  Janene: care.[00:49:00] [00:50:00] [00:51:00] [00:52:00] 

Henri Pierre-Jacques is Managing Partner of Harlem Capital, on a mission to change the face of entrepreneurship by investing in 1,000 diverse founders over the next 20 years. From a kitchen table with his Co-Founder, Jarrid, Henri has scaled Harlem in just a few years to their latest fund last year of $134M, well over-subscribed from their $100M target. Prior to Harlem, Henri was in Private Equity at ICV Partners, and before PE was an Investment Banker at Bank of America Merrill Lynch. In Today's Episode with Henri Pierre-Jacques 1.) From Kitchen Table to $134M Fund: How did Henri make his way into venture having had the idea for Harlem at the kitchen table with his best friend? How did Henri use his angel investing strategically to position him to raise Fund I? How did Henri's mindset change when making the transition from angel to VC? 2.) The First Fundraise: Harlem I How long did it take to raise the first fund? How many meetings did they have? What were the most common reasons LPs said no for the first fund? What were their biggest lessons around what potential LPs did and did not like? How does Henri advise new managers when it comes to meeting new LPs? How does Henri use past deal memos to serve as discussion material with LPs? 3.) Building the Firm: The Strategy: What was the portfolio construction for the first fund? How does Henri separate the world of funds into 3 distinct groups? How did they approach reserves management with the first funds? What are some of Henri's biggest lessons when it comes to effective reserves management? How does Henri assess his own relationship to price and ownership? How does that change with fund size? What are some very important nuances that Henri does not believe many managers think about? 4.) It Is Time For Change: Specifically, what are Harlem street doing to ensure the next generation of investors is much more diverse? How do they leverage their intern program to achieve this? What would Henri like to see change in the world of LPs when it comes to allocating to more diverse managers? What legacy does Henri want to leave with Harlem? What will be a success for Henri? Items Mentioned in Today's Episode with Henri Pierre-Jacques: Henri's Most Recent Investment: Mueshi

We're back in Connecticut and our guest is Elisha DeJesus of the Middletown Public School District. Elisha is in charge of Athletics and Activities along with directing PE and Health! She also has an incredible playing (PRO Basketball!) and coaching background and today she shares her wisdom with us on The Educational AD Podcast! --- Send in a voice message: https://anchor.fm/educational-ad-podcast/message Support this podcast: https://anchor.fm/educational-ad-podcast/support

Chris DeMuth returns to the podcast to discuss the state of the markets in June 2022.Chris's May 2022 state of the markets episode: https://twitter.com/AndrewRangeley/st...Chris's golden age of arb posts: https://seekingalpha.com/article/4519...Chapters0:00 Intro1:50 What's on Chris's mind3:35 Wide spreads and CTXS8:15 PLAN's recut16:15 Do investors over or underestimate how much PE firms care about their reputation?22:45 How strong are bank financing agreements in rocky markets?26:40 Other golden age of arb candidates29:15 State of the energy market32:00 CLR's take private bid39:05 Updated TWTR thoughts50:40 Closing thoughts and crypto markets

Sobre el pronunciamiento en Colombia hablamos con Daniel García-Peña, ex comisionado de Paz. Sobre el estudio del Instituto Reuters, con Eduardo Suárez, el director editorial. Y Dori Toribio y John F. Burnett nos contaron de la Noche de San Juan