Podcasts about Pun

Oscar Wilde is credited with saying, “Sarcasm is the lowest form of wit, but the highest form of intelligence.” If true, then there were some smart people in the Bible! Today's episode continues our “Holy Humor” series and includes sarcasm, puns, and other humorous stories and statements from the mouths of Samson, Elijah, and more.

In this episode, there is a recording from the ShireFit Seminar Day from speaker and now ShireFit Nutrition Coach Will Dyson. Will's wealth of knowledge shines through as he cuts through all the nutritional nonsense in the fitness industry straight to the meat and bones of what we as CrossFitters need to know. Pun intended! Hosted on Acast. See acast.com/privacy for more information.

- कप्तान छुट्टी पर और सेव द टाइगर - टाइम्स स्क्वायर पर तीन ताल - बिहार के कलाकार और राजनीति की कला- मोहन यादव के काफ़िले में पानी और पानीदार राजनीति- पेट्रोल इंजन में डीजल और काफिले का कर्बन फुटप्रिन्ट- रेखा गुप्ता का नया बवाल और पॉल्यूशन का नया आयडिया- परिवार का सदस्य गाड़ी और तैमूर लंग्स में रिपेयर कल्चर- ज़ोहरान ममदानी की शार्पनेस और ब्रेकिंग-ब्रेड- सस्ताPUN का एजेंडा और कस्टम सीज़ गुड्स वाले सामान - ताऊ का आईफोन बाईस और टेक्नोलॉजिया - नाई से इंटीमेट रिलेशनशिप और सांसों की माला - हरदिन मंगल बाज़ार और मंदा-हूईगा की दुनिया - सस्ती वायरलप्रियता और गहरे-गोह से दूरी- सस्ती शायरी और चार अपशब्द - बिजार में शौच-शगल -चिट्ठियांप्रड्यूसर : अतुल तिवारी साउंड मिक्स : रोहन/अमन

By Mark McNease  Time is not so much an arrow as a comet we ride, streaking across the sky. You can tell from the first sentence I was 62 when I wrote this. Five years later my perspective on the fleeting nature of time hasn't changed. I've long said that “time is a non-renewable resource,” and I still believe that. The older we get, the less of it we have. That's not maudlin, it's just true. As yet another friend died recently, it seemed like a good time to revisit the subject. Pun intended. The good news is that I'm old enough to collect Social Security. The bad news is that I'm old enough to collect Social Security. When I was twenty, I never imagined being forty. It seemed so far away from that youthful ground I stood upon with naive bravado. Then when I hit forty, I thought fifty would be the last milestone to publicly mark, quietly retiring birthday observations with the exception of a few close friends and family. And finally, when I approached the age when referring to oneself as a senior becomes culturally appropriate, I decided I could at minimum look forward to collecting a monthly stipend for my troubles. We should all be paid for getting old, at least those of us lucky enough to live that long.

The Bible is many things, but it is also the source of hilarity. Stories, witty comments, irony, sarcasm and more fill the pages of God's Word, yet we often miss it. This episode is the first of a new series that takes a look at those humorous passages in the Bible and hopefully brings a little levity to your life. 

Today on another encore edition of the Rarified Heir Podcast, we are talking to Dick Smothers Jr., son of, who else, comedian & musician Dick Smothers, one half of the comedy team, The Smothers Brothers. On this episode, we explore some pretty intense stuff as we get into what it was like growing up with a famous father and a famous uncle whose comedy was a touchstone for comedians of the 1960s. And while Dick Smother's was perhaps one of the best straight men in comedy, the story Dick Smothers Jr. tells us story is anything but rosey. We learn about the attention his dad craved and the strained relationship they have to this day. Moreover, we talk about heavy metal and Dick Jr's 80s band Kamikaze, his fascination with Alister Crowley as well as black magic and his one-time career choice to become an adult actor. Yes, this episode delves into another kind of celebrity, pornography. One we haven't spoken about this before or acter this episode first aired but we delve into it extensively here. We discuss why Dick Jr. chose to become a porn star, why Dick Jr. didn't change his name because…well….he already had the best name in blue movies and what it was like talking to the press knowing his famous name would draw attention. And therein lies the rub. Pun intended. This episode is a frank and serious discussion and we learn a lot about why Dick Jr. chose that career path, his relationship with his father, the challenges of being in ‘the industry' and much more. Puritans beware! So if black magic, pornography and heavy metal were on your Bingo card for this episode of the podcast, you are in luck! Because this is another episode of the Rarified Heir Podcast where everyone has a story. This one is likely one you have never heard before. Take a listen. Yo-Yo Man fans, hang onto your hats!

This week we explore the multifaceted world of AI, discussing its impact on daily life, the importance of effective prompting, and the various tools available for content creation. It's interesting, and it "prompted" someone to look into it. Pun very much intended.Takeaways • AI is already integrated into many aspects of our lives. • Effective prompting is crucial for getting the best results from AI. • AI tools like ChatGPT and Grammarly can enhance productivity. • Different writing styles can lead to misunderstandings in communication. • AI can significantly reduce the time needed for research and content creation. • Generational differences affect how people interact with technology. • AI is learning and evolving, making it more useful over time. • Personal anecdotes can illustrate the practical applications of AI. • The importance of structuring prompts to get desired outcomes from AI. • AI tools are becoming increasingly valuable in professional settings.Support the show ( https://www.patreon.com/user?u=15325671) or Buy Us A Coffee at: https://www.buymeacoffee.com/PoddiMouths Visit https://www.poddimouths.com to listen to past episodes, shop the merch store, and so much more! Wanna start your own podcast? Get started with Riverside.fm by clicking https://riverside.fm/?utm_campaign=campaign_1&utm_medium=affiliate&utm_source=rewardful&via=poddiChapters00:00 Introduction and Light Banter08:36 The Role of AI in Everyday Life19:17 Mastering AI Prompts for Better Results24:46 The Role of AI in Communication29:42 Writing Styles and AI Assistance34:40 Cultural Shifts in Dating and Technology

The final episode of June is awesome. Pun fully intended, as Lorenzo aka TeamAwesome418 rounds out this month and joins me while he was on vacation to record this episode! We're talking DC, Marvel, Cosplay, and more in this episode! We kick things off with the DC side of things. Lorenzo talks about how he got into DC through the animated shows and movies. We talked about his love of Superman, along with Batman, and Static Shock. We bounce around between the animated shows and movies, to some of the more recent movies and discuss the upcoming reboot of the DC Cinematic Universe. From there, we swing on over to Marvel. And if you got that swing reference, that's because we have a good conversation about Lorenzo's love of Spider-Man. Peter Parker (and Miles Morales too). Plus, we talk about the animated shows, the pre-MCU movies like Spider-Man and the X-Men franchise, and we don't forget about the MCU movies, and characters like Deadpool. Lorenzo also talks about how he first got into doing Cosplay and some of the characters he's represented, including Static Shock, Spider-Man, and Deadpool, to name a few. He talks about what he's working on for the future in the cosplay space. He also talks about how he's met a number of the actors from the Marvel MCU space, tells a few stories of some special meetings. Plus, we touch on books that Lorenzo has published, available on Amazon! You can find Lorenzo at: https://www.instagram.com/teamawesome418/ https://linktr.ee/TeamAwesome418 https://www.tiktok.com/@teamawesome418 https://www.youtube.com/@LorenzoDozier418 https://amzn.to/448zb48

durée : 00:59:04 - Cautionneries - Par La Caution. Embarquement immédiat pour un voyage musical avec Nikkfurie. Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

Lesley Logan and Brad Crowell reflect on the inspiring conversation with values-driven changemaker Kate Galli. From standing up for animals to staying grounded in joy, this episode explores what it takes to lead with purpose. Learn how Kate uses her voice, energy, and optimism to drive meaningful change—while still staying connected to community, compassion, and self-care.If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:Exercises for managing lower back pain in Pilates classes.Kate Galli's journey into plant-based living and how it deepened her purpose.How she transitioned from being an “angry vegan” to a compassionate advocate.The ABC Method's role in fostering mindset shifts and habit change.Why identifying core values is essential for aligning with your goals.Episode References/Links:Ask Iliza Anything Podcast - https://beitpod.com/askilizaeLevate Workout and Q&A - https://lesleylogan.co/elevatewaitlistAgency Mini - https://prfit.biz/miniOPC Summer Tour - https://opc.me/tourUK Mullet Tour - https://opc.me/ukCambodia October 2025 Waitlist - https://crowsnestretreats.comTaylor Made at Pilates Anytime - https://www.pilatesanytime.com (use code: LLogan for a 30-day trial)Submit your questions - https://beitpod.com/questionsKate Galli's Website - strongbodygreenplanet.comHealthification Podcast - https://beitpod.com/healthificationEp. 528: Stephanie O'Dea - https://beitpod.com/stephanieodea If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/ Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/ Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Brad Crowell 0:00  I was thinking, passion doesn't necessarily equal anger, even though it's associated with high energy. And then you just said the word compassion, which is more in line with what we want. Compassion still includes the word passion.Lesley Logan 0:14  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started.Lesley Logan 0:53  Welcome back to the Be It Till You See It interview recap where my co-host in life, Brad, and I are going to dig into the empathetic convo I had with Kate Galli in our last episode. If you haven't yet listened to that interview, feel free to pause this now and go back and listen or listen to this and go listen to that. It's kind of fun how the episodes work like that. If you're in the OPC app, you can easily see them and pick and choose. If you're in an Apple app, it kind of serves you in whatever order you're at so there you go. But it's quite fun. We'll get into her thing. I actually, because of her, have been putting tofu in my breakfast. So, yeah. Brad Crowell 1:29  Oh, love that.Lesley Logan 1:30  This is a woman. This is the person who said. So today is June 26th 2025 and it's National Handshake Day. So finally, a day that's not a fucking nightmare. If you listened to last week, this should be more uplifting. National Handshake Day. This is they always start with the thing, and it drives me crazy. Brad Crowell 1:48  Every year on this day. Lesley Logan 1:49  On this day, it's just like, it's like chatting before it happened. National Handshake Day is celebrated on the last Thursday of June each year, falling on June 26th this year. And yep, yep, we covered that already, and we're glad that this common greeting is getting a place in the spotlight after all the year that it has been around. Not only is the handshake the most universally recognized form of greeting, but it also has come to mean different things in different cultures, which is why learning more about it will come in handy. Pun intended. Throughout history and across different cultural contexts, the handshake is in practice, an expression of peace or goodwill, and is almost like a common language that binds us together the world over. That's a way, that's a weird sentence. It's no wonder, then, that we want to make a big deal about this innocuous gesture. Sociologically, the handshake has come to be a symbol of things hidden below the surface, as you can tell a lot about the person the way they shake. Brad Crowell 2:45  By the handshake. Lesley Logan 2:46  Yes, perhaps for this reason, secret handshakes have also become popular, giving people a sense of belonging to a particular group. However you view the handshake, one has to admit that it deserves its own day. Brad Crowell 2:58  It sure does. Lesley Logan 2:59  Just owing the sheer frequency of its use in our daily lives.Brad Crowell 3:02  Yep, yep. Sans Covid, when no one did any handshakes ever it was the wave.Lesley Logan 3:07  Well, now, and now everyone does fist bumps or like people don't shake hands, like there's like the germaphobes will never shake hands. Brad Crowell 3:11  Yeah, never again. Lesley Logan 3:13  I will be honest. I almost rather go for a hug than a handshake, like, I just feel kind of weird about it, mostly with women, obviously. Second, I don't really. Brad Crowell 3:25  Hi, friend, handshake.Lesley Logan 3:26  Hi friend. Also, I gotta be honest, I fucking hate a dead fish handshake. And I also do not give me the bunny hand, like I'm gonna kiss it, you know, some, some girls, yeah, like they give you their hand. They give you their hand like this, and then you're supposed to like, like, I don't know what I'm supposed to do with that. I'm supposed to say, What am I supposed to do? Brad Crowell 3:32  She's supposed to take it underneath and kiss their hand.Lesley Logan 3:50  Yeah, but, but you're giving it to me. I'm not gonna kiss your hand. Brad Crowell 3:54  What? Why not?Lesley Logan 3:55  No, no, not even yours. So I get but I was listening to Iliza Shlesinger's podcast, and she was talking about how, like, hand, she obviously, because she's got kids, and so she's always sick. She's like, comedy shows. She's meeting people, and so, like, they have rules about no hugging, no handshakes. And she's like, we used to shake hands to make sure the other person doesn't have a gun in it. So like. Brad Crowell 4:14  We did? Lesley Logan 4:14  That's what she said and she's like, such a historian.Brad Crowell 4:17  Oh, oh, oh, oh, oh. Lesley Logan 4:17  You know. Brad Crowell 4:18  I know what she's talking about. Lesley Logan 4:19  Tell me. Brad Crowell 4:21  In the Wild West, it was like the under the table situation. And also you specifically used you shook with the right hand only because I think the left hand was used to wipe your ass.Lesley Logan 4:33  Right because it also assumed that most people are right-handed, and then you use right hand for your gun. Brad Crowell 4:37  Yeah, exactly. So I'm pretty sure there's some history, some historicity to that claim. Lesley Logan 4:44  Yeah, yeah. Brad Crowell 4:47  But anyway, luck us, definitely.Lesley Logan 4:49  Everyone's left hand was just covered in shit back then.Brad Crowell 4:50  I think that's not quite the same thing, but yeah.Lesley Logan 4:58  Oh my God, thank God we don't live back then, guys, it must have smelled like shit. Like, just whenever I think about whenever I, like, look at, like a castle situation, I'm like, this place reeked of shit. There's no way.Brad Crowell 5:11  Also probably like, ice, fricking cold. Lesley Logan 5:13  Oh, well, that and when we were at the one castle in Scotland, like everyone, including kids, was given like, liquor every day because it helped kill the germs that were like in the water and the food or something like that. So and most people were like, just not enough water for the peasants. They just drank anyway. Brad Crowell 5:27  The king had a shit hole in his throne. Lesley Logan 5:30  Yes, he did have a shit hole in his throne. That's why they call it a throne. And in front of people, they would just get up and pick up their skirt and sit down on the toilet and take a pee or take a poop or whatever. But, you know, anyways, and then, besides the gangrene that was going on. Back to this. Brad Crowell 5:43  Weird. Lesley Logan 5:45  I will just say I would love to shake your hand, but you got to shake it back. And also don't squee. The men who squeeze really hard to make sure they I know that they're strong. It's like, well, now you're, what I know you are as a dick. That's what I know. Like, there's, it's a, there's a there's a talent to the fucking handshake.Brad Crowell 6:01  There's a lot you can know. All right, let's move on. So upcoming event. Lesley Logan 6:05  We are doing a lot very, very soon. Brad Crowell 6:07  All right, stick with us here right now. It is June 26th so in just a few weeks, July 9th, we're gonna be hosting an eLevate workout, a Q&A workshop. So if you don't know what eLevate is, no biggie, that is Lesley's mentorship program for Pilates teachers. Okay? It's a 9-month program. It's an amazing way for you to get to the method more across all the different pieces of equipment, and it will 100% change your confidence. I mean, like night and day, dramatic difference, and it's perfect if you're a new teacher or you've been teaching for a really long time. This is a great program. We've been doing it for years, and it's probably our favorite program run. We're going to be doing just a Q&A and hang so a workout and you could ask questions. July 9th.Lesley Logan 6:49  Alumni will be there and they'll answer your questions, and they're great. They do have the kindest of hearts like, that's why they come.Brad Crowell 6:54  So come, go to lesleylogan.co/elevatewaitlist elevate waitlist.Lesley Logan 6:59  And that's live online, and then also live online on July 17th is Agency mini Mini.  Brad Crowell 7:03  That's right. Lesley Logan 7:03  Agency Mini number 11. Brad Crowell 7:05  Profitable Pilates is back. Lesley Logan 7:08  And it's prfit.biz/mini and it is a three day business coaching workshop. There will be two events that have live times on them, but you can off, obviously, watch replays wherever you are. It's really, really great. Look, the summer is slow for most Pilates instructors, except for like, the family travels, but it's a perfect time to work on your business and get your questions answered so that the last half of the year can be what you want it to be to set you up for next year. So prfit.biz/mini to get on the waitlist, and that way you'll get the early bird pricing. And then in person, we're coming out.Brad Crowell 7:42  OPC Summer Tour kicks off July 25th in Phoenix. We're gonna do a massive rectangle. We're gonna do Phoenix to San Diego, all the way up the coast of Vancouver, that's right into Canada. Then we're gonna cut across through Calgary, and then back down to Vegas. From there, I don't know. I think it's like close to 5000 miles, I think.Lesley Logan 8:01  You are planning this Hon. I literally, I was, people are like, where is this at? I'm like, I don't even know. Brad Crowell 8:01  We have 19 stops. Lesley Logan 8:01  Oh, whoa, 19. Brad Crowell 8:01  Yeah. Lesley Logan 8:02  This is almost as big as winter tour. Brad Crowell 8:07  It's, it is almost as big as winter tour.Lesley Logan 8:14  But a little shorter, thank goodness, because I don't think I could do two full month long tours, but this is good.Brad Crowell 8:20  This was a little over three weeks. So. Lesley Logan 8:23  Yeah. Brad Crowell 8:23  It's gonna be amazing. Lesley Logan 8:23  And we're going to Canada. Brad Crowell 8:23  We're going into Canada. I'm excited first time for us to tour up into Canada.Lesley Logan 8:27  Get the dogs paperwork ready to go into Canada and get them back in the States.Brad Crowell 8:34  Yep, yep. And then in September, we're getting on a plane.Lesley Logan 8:38  Oh, did we tell them where to go? opc.me/tour Brad Crowell 8:40  Go to opc.me/tour opc.me/tourLesley Logan 8:45  And then in September, we're getting on a plane. We're going to the UK. We have two cities in the UK. It's our Mullet Tour. And mullet means business in the front, Pilates in the back. And so we'll have a business workshop each day, and then Pilates workshops each day. Don't worry, there's more Pilates workshops and business workshops, but U.K., we're trying. We got to help you out.Brad Crowell 9:04  2/3 Pilates 1/3 biz don't worry that'll work.Lesley Logan 9:08  And there's a workout so you can get a 2-day pass at Leeds. There's only three spots left at the time we're recording this. Don't know what that means when it drops in your ears. Brad Crowell 9:15  That's true. Lesley Logan 9:16  And then Essex also space super limited. But we did open up day passes so you can buy a Tuesday-only pass or Wednesday-only pass. Brad Crowell 9:22  Yeah, or you can get both. Lesley Logan 9:23  Or you can get both, you'll save if you buy both. So opc.me/ukBrad Crowell 9:28  opc.me/uk and then finally inLesley Logan 9:31  We're going to Cambodia in October.Brad Crowell 9:32  October we're heading back across the world, and we want you to come join us. It is obviously our favorite place to be. Lesley Logan 9:39  We're gonna go to Scotland, come home, go to Chicago, go to Cambodia. Brad Crowell 9:46  Oh, yeah, we're going to P.O.T in Chicago. Lesley Logan 9:46  Yeah, we are, we are. We'll tell them about that later. They haven't announced that yet, so until they announced that, we can't announce it. Cat's out the bag.Brad Crowell 9:53  Oops, anyway, yeah, come with us. Go to crowsnestretreats.com crowsnestretreats.com to come hang. I mean, I've already been on a bunch of conversations with people talking about it. I know people are worried about travel right now, international travel, especially with like, the perception of Americans around the world due to our government making stupid decisions. Lesley Logan 10:17  We actually have been treated very well. Most people are worried for us. So they're not, like, they're they're mostly worried, and also, like, we've already gone there and come back during this administration and have had not any problems, so we don't anticipate any problems. So we also did it during March of 2020, and were, the threat of getting in the country, so it was real, and we walked right in.Brad Crowell 10:38  Yeah, yeah. I mean, you know, the conversations we've been having with people haven't been that. The conversations have been more about like, are, you know, is it going to be problems for Americans traveling? Honestly, I still think it just comes down to you being cool or being an asshole. If you're an asshole, you're gonna have problems. Lesley Logan 10:56  But also, if you're an asshole, you're not listening to this podcast. Brad Crowell 10:58  Yeah, that's probably true. Lesley Logan 10:59  Pretty true. Brad Crowell 11:00  Send this to an asshole. Send this episode.Lesley Logan 11:00  I don't, don't. I was actually even worried, personally, was worried about our Canada tour stops. I thought, will they sell? We have to spend so much money on lawyers to make sure we can do everything appropriately. AndBrad Crowell 11:07  We're almost already sold out in Vancouver.Lesley Logan 11:17  Vancouver is almost sold out. So like, I will say, I actually think most people understand that we, the majority of us, are not happy with how things are going, and we are not these people. So just, just know you'll be.Brad Crowell 11:32  Yeah, but it's also like the experiences that we've had, during tumultuous times, have not prohibited us from traveling, right? So, you know, we would encourage you to, you know, get on a call with me if you have any questions about it, worried about it, come join us. Cambodia is going to be epic trust me. Lesley Logan 11:53  Oh, yeah, it's so beautiful. And also, when we're there, because we've gone so many times during administrations like this. It is like the most you don't, you're so relaxed, you don't really even you don't the news can't even really get to you, because even if it does, you hear chickens, and then you hear the birds and the parrots, and you're sweating and the motos, and you're like, I'm so far from that, like that there's nothing I can do about that while I'm here. Brad Crowell 12:17  It's called a retreat for a reason. Lesley Logan 12:21  It's really helpful. It's really helpful for your heart. I mean, I always I'm so relaxed. Brad Crowell 12:28  I'm already getting warm fuzzy feeling. Lesley Logan 12:30  I know. So come, crownestretreats.com to snag your spot.Brad Crowell 12:34  All right. And we did have an audience question this week. Thank you for sending this in. We had, I don't know how to say this, um, ayeletregev6703 ayeletregev6703 on YouTube asks, hi, during a class. Lesley Logan 12:50  Hi.Brad Crowell 12:51  Hi, during a class, what kind of exercise would you offer to someone who can't do the teaser due to lower back issues? Well, great question. Thank you for asking. Lesley Logan 13:01  Yeah. So first of all, if, first of all, the way I teach Pilates is that every exercise is going to be accessible to people at some point when they're ready. So my teacher, Jay Grimes, always said, you want to bring people up to an exercise, don't bring exercise down to a body, right? So if someone has lower back issues and they can't do the teaser, I actually wouldn't modify the teaser necessarily for them. I would have them repeat an exercise that was safe for their back, that would build up their strength, their stamina and their connections. Brad Crowell 13:24  They should just quit. Lesley Logan 13:30  Shut up, and that way, first of all, they can keep moving. And then second, it would be figuring out, like, is this lower back issue permanent? Is this like a chronic issue? They're never it's never going to go away. Is it what it is? Brad Crowell 13:50  Surgery kind of thing. Lesley Logan 13:46  And so then it's like, should they, should they even be doing flexion at all? Should they, can they do teaser with their feet on the wall? Should they just always do something else, or is it just that they are not, they're of a tight back and just not ready for it, yet? Because then we can roll like a ball into teaser, roll like a ball in a teaser, right? And that's a great way of doing it. So what I think is really important is there isn't one way to answer this question, because I don't know who we're talking about.Brad Crowell 14:09  It's true. So that's a little tough, but I do think you know the whole idea, as a non-Pilates teacher here, the whole idea of Pilates is that it's a system, right? And what I know from sitting on the sidelines and watching the eLevators come through our house, literally, our house, and work things out, is that that if they're if they can't do teaser, because they're just not there yet, that's okay. It's totally okay. They don't need to do teaser, right? It's not like, you know, teaser, to me, is like handstand in yoga, you know, it's not necessarily like changing your world. It's part of a system. It's one of the poses that you yeah, sure you want to get to it eventually. But if you, you know, if you can't do teaser, it doesn't mean you can't do Pilates, right? So, you know, if you take that approach to it, you can, you as a teacher, can help them get to that pose over time, and you can help them get to that if that's their goal, that's fine, you know. But there might be other things that you want to take them to, first because of their lower back issues,Lesley Logan 15:18  Yeah. And I, first of all, well said, babe. So many people are like, Go, Brad, but, but I think, like, you know, here's the thing, clients come to a class and you specifically about a class. And so everyone thinks that, oh, everyone in the class is doing the exact same thing. Like I was talking to someone in eLevate, they're like, oh, but I need everyone to, like, do it at the same time, because it looks really good. And I was like, uhm.Brad Crowell 15:42  We could skip all that. Lesley Logan 15:43  We don't care what it looks like as a beauty, a form of beauty, I care, are they connected? Brad Crowell 15:48  Right. We're not synchronized swimming here. Lesley Logan 15:50  Yeah. And so if that's the way you're teaching your classes, some people will like that. But to be completely honest, a lot of people are not going to actually get the benefits of Pilates in that fashion, in that form. So it's really important. Brad Crowell 16:02  The 1980s are calling. They want their synchronized workouts back.Lesley Logan 16:05  Yeah, so what I, so I would, this is how I always started every class, not every exercise is going to be for you. So when in doubt, leave it out. It's actually brave and courageous to replace what you can't do yet with something that you can, something that you did that was challenging, right? And if you need specific assistance with an exercise, we can talk about it. We can give options at the end of class that you can use. And so with this person with lower back issues, maybe they need to take a private or stay after class one day to figure out what is their teaser. So maybe it is a modified teaser, but maybe it's actually double straight leg stretch, or maybe it's that they do swimming instead, right? What is it that they do? And then that way they are empowered to be autonomous and independent. And I promise you, it is going you will survive people doing different things at the same time, because they're gonna feel so good, and they're gonna come and go. That was the best class, and it's gonna make you love what you're doing, because now you're actually affecting real change in them, and not just like, well, let's just bend their knees and now they can do it, right? Like, that's, like, that's a Rachel Taylor Siegel, highly recommend everybody watches Taylor Made on Pilates Anytime you can use LLogan for a 30-day trial. It's in the Legacy Project. And what I learned from Rachel Taylor Siegel, she said, let's talk about modifications. She said modifications are like borrowing money from the bank. Some loans have higher interest rates than other loans, right? So if you get an SBA loan, you're looking at a couple percent, like real low, and so it's really easy to pay that loan off over time. In fact, that loan allows your business to grow, and so that kind of a loan is like going not just accelerate you, but just strengthen your business, gonna allow you to create a really good foundation, right? Versus a payday loan, those like 40% interest loans, or 30% interest loans, or the credit cards, the ones we get in the mail with our amazing credit score. It's like, why would I sign up for this 35% credit card? Are you crazy?Brad Crowell 18:09  Yeah, I did get one for for 29.99 Yeah, or 30. It was like, it was like shocking. Lesley Logan 18:19  That's it when I was in college and college when I had no credit. Brad Crowell 18:22  I never saw one that high ever. Lesley Logan 18:22  I guess that's true. I think it was like 18%. Brad Crowell 18:23  Yeah, they were like, 20% everyone's like, oh my God, they're stealing from you. Now they're, now they're like, 30 and it's normal. I'm like, holy cow, bananas. Lesley Logan 18:30  Yeah, you'll know, yes, so, but that, so just take that bananas and then think about that as a modification for an exercise. So now we're stealing from them. Now we're actually not providing them with the ability to ever not need that modification. In fact, they will have to keep just like those payday loans.Brad Crowell 18:45  Ever not, never, not. So they will always need the modification. Lesley Logan 18:45  Yeah, just like, well, if you let me finish my sentence, it was going to be just like when you do the payday loans once, what I've heard, what I've understood, is why they're so bad is that once you need them, you automatically need the next one and the next one, because now you're like, stuck, you're stuck and you're in debt. So my dear, thank you for this question. I hope it gave you something to think about. If you're an OPC member and you have a lower back issue, you can actually film yourself doing an exercise. You, actually, it could be any issue, but you can film yourself doing an exercise, and I can give you feedback on it. We don't answer client questions in OPC because it's all about you. So there's that. But if you guys have questions, go to beitpod.com/questions to send in your win or your questions, we'll answer them here, and we'll shout your wins out on Friday. beitpod.com/questions. Brad Crowell 19:30  Stick around. We'll be right back. We're gonna dig into that convo with Kate Galli. Brad Crowell 19:38  Okay, let's talk about Kate Galli. Kate is a health coach, author and podcast host who's passionate, who is passionate about helping vegans and plant-based curious people live the with strength, confidence and joy. After years of working in both fitness and in the mindset space, Kate now helps others create meaningful lifestyle changes by aligning their health goals with their values. She's the creator of Strong Body, Green Planet, and host of the Healthification Podcast, where she shares strategies for powerful, compassionate living through her signature ABC method. Kate focuses on building habits that not only feel good, but also do good for the mind, for the body and for the planet.Lesley Logan 20:24  Okay, I thought she was so cool, because, first of all, a lot of what she is talking about with her journey of being a vegan, and then where she's at now is a lot of be it till you see it in like being vegan-curious or plant-based curious. I think a lot of us could lend ourselves to at least, if you're not going to go full vegan considering, like, what changes you can make for the planet. I think we all have to be considerate of that. You'll also be considerate of your body and what you're allergic to and all those things. So don't at me. I can't eat that because I got this allergy. I see you okay. In fact, Kate sees you because she's not an angry vegan anymore.Brad Crowell 20:59  Yeah, that's the thing that was like, I, actually, I'm not gonna lie, like I was listening to it. I was like, okay, you know, I'm in and then she shared her story, and I was like, wow, you know. And if you, if you, if you haven't gone back and listened to the episode, it is gut-wrenching and powerful. And she says it quickly, relatively quickly, but it's worth a listen. So go back and take a listen to Kate's story. Lesley Logan 21:25  I think the cadence of this episode coming out after Stephanie O'Dea's slow living episode is really important, because there's a couple things like, that, I'm like, I'm thinking about with Kate that kind of can go back to Stephanie. First of all, you cannot shame or judge yourself into a goal, right? And so and and, and. Brad Crowell 21:46  Nor can you shame others into a goal.Lesley Logan 21:49  Correct. And Kate said, we get this drive and this focus and this purpose, we just go and go and go. And she's like, it's effective until it isn't. And that's the same thing that, like Stephanie was saying, like, we we, like, want to go, like, so fast, but like, things will happen in time. And so she transformed in this, like, angry vegan. And then she became more compassionate, because she realized her approach was actually not effective in convincing anyone. In fact. Brad Crowell 22:13  Also, she was like, fried emotionally, like, so fried. She was like, I can't, I can't even be the angry, you know, like, person that I was anymore. I just can't do it.Lesley Logan 22:24  Yeah, I think, like, how many of us have been, like, so passionate about something that we get angry? I know I do. I know I do not talk politics with some of my family members because I get so angry that they cannot see the perspective that I see it from. I just can't I, like, literally, I'm just like, I'm losing, I'm missing out on that part of my life, because I need to figure this out for myself, because I cannot be compassionate in this moment. But you know what? I'm giving myself permission, that's okay. But I think it's like, she, she really, where she was able to change to is being a lot more compassionate, and then that allowed her to be more helpful in helping other people see ways that they can become vegan, or ways that they can make things a little bit more plant-based, or be or just change the way that they want to work out so that they're now it's almost like, it's like, you can't, you don't get, you can't get bunny like, bees about honey, like that kind of a thing? Brad Crowell 23:22  Yeah, you did mention that on the interview, and then you apologized for all the vegans out there who aren't necessarily in a honey. Lesley Logan 23:29  I know. Brad Crowell 23:30  I had a good laugh about that. Lesley Logan 23:32  Well, some are not okay with honey.Brad Crowell 23:35  Yes, no, it's you're, you're not wrong, but I just thought it was a really funny analogy in the moment. But you're right. You know, you get more bees with honey than you do, you know, without. So, you know, it's the kind of like the kill them with kindness, kind of a yeah approach. And I think.Lesley Logan 23:51  I really hated that growing up, my mom always, like, kill with kindness. And I'm like, that's not working.Brad Crowell 23:59  But, but, you know, she talked about the frustration with the relationship with her father, and how, like she was able to learn from her mom, you know, and how her mom's approach shifted her own approach, you know, out and about in the world.Lesley Logan 24:22  Yeah. And I also want to say, because she said, whatever we care about yelling at people about how wrong they are is never going to get them to want to join us. I just want you to know that, like I still believe you should protest, because it's not about convincing the person driving by. It's about convincing the politicians we're protesting again. So I just want to say protests matter, but. Brad Crowell 24:39  Yeah, they do. Lesley Logan 24:40  But if your neighbor isn't seeing how the way that they're voting or the way that they're eating or the way that they're you know, mowing their lawn in the middle of the night is affecting things that you care about. Yelling at them isn't going to get them to stop. You do have to figure out. You have to understand a little bit more about why they think the way they think, or why they do the way they do, so you can actually have a compassionate conversation that allows them to see how what you're trying to offer them is going to help the same goal that they have.Brad Crowell 25:08  That's actually really interesting. And I wonder about the etymology of these words here now, because I was thinking passion doesn't necessarily equal anger, even though it's associated with with high energy. And then you just said the word compassion, which is more in line with what we want. Compassion still includes the word passion. So, you know. Lesley Logan 25:29  Do you ever want to take, like, an etymology class? I want to take a handwriting class. They don't teach kids anymore, but I want to learn, and I want to take an etymology class.Brad Crowell 25:40  Well, so, but you know, like you can still be passionate without being angry. You can be compassionate and have passion, you know. So I think, you know, shifting her approach has sounds to me like a it's made her more effective, and it sounds like just a happier person.Lesley Logan 26:01  Yeah, she she is so lovely. Brad Crowell 26:04  So, good for her. Lesley Logan 26:04  And I will say, like, ever since I've talked with her, I've been really more thoughtful about, what are we eating? Do we need that? How? How do I get 150 grams of protein a day if I'm not having chicken? What does that look like? You know. Brad Crowell 26:18  I love that you were digging into how to get protein. You were talking about on the episode of like. Lesley Logan 26:24  Yeah, I asked her. I was like, I need. Brad Crowell 26:26  Like, what do I do? What's a side? What's a dessert? What's it? What? How do we do this? You know? And she, she did make the parallel between, you know, like, let's say there's like, a muscle dude at the gym, and if he decides to go plant-based, switching from like, steaks to, you know, she said he's got to be eating something comparable in, you know, that's going to fill him up, or he will just lose weight. You know, there's no question about that, but there are ways to do it, and that's what kind of, that's when the conversation really went down that rabit hole in a good way. Lesley Logan 26:26  Many, many bodybuilders who are plant-based like. Brad Crowell 26:26  I mean, Eddie. Our friend Eddie is like, six-three and was, like, a football player in the, you know, he's.Lesley Logan 26:37  Yeah, I think he's like a be it till you see it. You have to, like. Brad Crowell 27:09  In the military, guy's a beast. You know, he was a vegan for, I don't know, I think seven or eight years, like, solid. But he would eat like, half a freaking lasagna a night, you know,Lesley Logan 27:20  Right. Like, you have to get calories Well, and that's all kinds of calories, but I think it's just being intentional. And I think what I again, why I wanted to have her on, is it's a be it till you see it approach, like she has those baby steps, which allows you to, kind of, like, figure it out.Brad Crowell 27:35  Well, when she was talking about the ABC method, I thought it was pretty clever. She said, she, you know, when she was going through this personal transformation, she came up with this method that helped her prioritize her happiness and find a more effective way to pursue her purpose, more effective meaning people would listen. And she said, moving from angry, which was ineffective, to compassionate, which is effective. Her method is called the ABC method, and so A stands for awareness, B stands for brainstorm, and C stands for commitment. So she's, awareness, she's recognizing the negative trajectory of continuing down her current path. B, she's brainstorming, identifying ways to stop the habits that she used to do. And specifically she was talking about posting on Instagram, like posting angry stories, setting herself up to be attacked, even though she believes very strong, strongly in these things, you know. But and then she shifted, and she said, hmm, I wonder if, instead of sharing all the negative stories, I could share positive stories and see how that would have an impact. Right? So she began sharing happy stories and making vegan recipes, sharing vegan recipes that actually taste amazing to you know, like present an option that, instead of creating shame and like frustration, trying to guilt people into, you know, whatever, instead it's like, hey, did you know that it can actually be amazing? Did you know that it can taste awesome? You know? And so she started sharing recipes, and she said her third step is commitment, making a public commitment to the new approach, you know, drawing a line in the sand and saying, hey, I'm making this decision. So good for her. I love that ABC method. You know, I thought that was I thought it was clever. I thought it was a great way to, like, actually create a line in the sand of your life and be like, I've made this decision to change this thing. Lesley Logan 29:41  I think it can be used for so many things. Her ABC method, it's so you can just, it's just great. And it's also part of, like, how we learn, just, it's from the mindset training that I did it's very aligned with, like, how people's mindsets can be changed. Loved it. Loved it all.Brad Crowell 29:57  Awesome. Well, stick around. We'll be right back. We're gonna dig into those Be It Action Items. Brad Crowell 30:03  Welcome back. We're gonna get into these Be It Action Items with Kate Galli. What bold, executable, intrinsic or targeted action items can we take away from your convo with Kate? She said, if you want to make it easy to incorporate plant-based proteins into your meals, she shares she's got a 5s strategy, okay? She describes it as a way of setting it into your meals. Here are the five S's, star, scatter over, stir through, side and source. What does this mean? Star means plant-based protein is the main component of the meal, meaning lentils in a curry, or marinated tofu. So you've got your star ingredient, effectively, that's what the star means. Scattering over by adding plant-based protein sources such as hemp seeds or pumpkin seeds over your regular meal. So once you've got your meal, you can put something on top of it, and that also adds more protein. You can stir it through mixing plant-based protein, plant-based protein powder, say that five times fast, into a meal or a drink. I mean, this is pretty straightforward. Think about like a smoothie in the morning or soup or cereal. Lesley Logan 31:13  I even, even I put protein in my coffee because I'm trying to get so much protein in, I put it in my coffee with my creatine and my fiber, guys, because, you know, like, that's just a hard thing to get to.Brad Crowell 31:26  And the collagen.Lesley Logan 31:27  Yeah, like, I put it all in there, and it's in this my tasty coffee. And it's actually gotten me to stop going out to get coffee, because they won't have what I need to put in it. And I got to put all this in it. So.Brad Crowell 31:33  That's true. You could also have it as a side, having a portion of a plant-based protein on your side, such as edamame or crispy chickpeas. And I know you're a huge fan of crispy chickpeas. We literally got some after this interview, ourselves. Lesley Logan 31:50  I'm obsessed with crispy chick. I wonder how we can make it ourselves. I'm sure we could just do an air fryer. It is, guys, 50 chickpeas is like 10 grams of protein or something like that. Maybe it's only six, but I think it's 10. At any rate, it's like, two handfuls and it you're fuller than if you had snacked on some chips, right? And I got.Brad Crowell 32:08  It's also not like, it's not bad for you, like, you know, deep fried chips or something. Lesley Logan 32:12  And it's good for the environment. I can't have potatoes, so I have been, I like, have been like, over here, what? I just want to snack on a little munchie, and I can have those. Brad Crowell 32:22  Crispy chickpeas, all right. And then source. Finally, the last S is source, using sauces made with protein-rich ingredients, which could include, like self silken tofu, or you could put edamame inside the guacamole. Lesley Logan 32:36  Yes, where is this town that we used to get that guacamole that had edamame? Brad Crowell 32:40  Oh, it was, it was they have one. Lesley Logan 32:43  Oh, True Food. Brad Crowell 32:44  True Food. Lesley Logan 32:44  True Food. Yeah, and then they mess with those chips. So annoying. But the edamame with the. with the guac with edamame is there, and it's great.Brad Crowell 32:54  Pretty tasty. I dig it. But yeah, what about you? Lesley Logan 32:56  Okay, she said, if you haven't, if you haven't figured out what your personal values are, you need to because you gotta elicit them. She said, your values are the emotional states you're naturally drawn to, like love, freedom, truth or integrity. And so when you are planning your day or making decisions like, your values are these filters for those things and you need to align them with your most important goal or vision, and so even more importantly, align them with your daily actions. We actually talk about values a lot in Agency. Talk about it a lot in our business, coaching retreats and things like that. And so I love this. In fact, I just led a values webinar for Agency members. It'll be in the curriculum so you can figure out what are your values? Because it's like, well, what are, what are, how do you choose them? Like, I have to, you know, have to have names for it. What is it? So you can, Agency members can check that out. But I love this Be It Action Item. Elicit your own personal values if you haven't yet. Kate Galli.Brad Crowell 33:49  You know, it's funny. I thought it was interesting to compare this to a business, right? We talk about this for business owners, you got to know your mission, vision, values. I never thought about it once about my personal values. Lesley Logan 34:04  What? Brad Crowell 34:05  Yeah. Lesley Logan 34:06  Brad? Really? Brad Crowell 34:08  Well, in the same way I've never been like, here are my five values that matter the most to Brad. You know, I always think about it through the lens of my company first. So I thought it was interesting. Lesley Logan 34:20  We gotta do that. You gotta, you gotta do the exercise.Brad Crowell 34:24  We gotta do the exercise, y'all, I gotta sprinkle in some values. I'm gonna, I'm sourcing them now, but I'm gonna sprinkle them in, scattering them over.Lesley Logan 34:31  It won't be that complicated, because, I mean, we have different values, but my values were how the business's values came about. They were like, they're not exactly the same, but it's like another word for it that would be more business-like than what my personal values are, but I think that you get to, you get to do the exercise. Keep us posted on your Be It Action Item, babe.Brad Crowell 34:54  Sounds like a plan. Lesley Logan 34:54  I'm Lesley Logan. Brad Crowell 34:54  And I'm Brad Crowell.Lesley Logan 34:54  Thank you so much for being here. How are you going to use these tips in your life? We want to know, we want to know what you what your takeaways are. We want you to send them in to the beitpod.com/questions, share this episode with a friend who needs to hear it. That's how this podcast continues to grow, so we can continue getting amazing guests. Brad Crowell 35:15  And if you haven't yet, leave us a five star review, please. Lesley Logan 35:16  Yes, that is like a gift. Brad Crowell 35:16  It's a huge gift.Lesley Logan 35:19  I know it's hard to do. I know it's hard to figure out where to do it, but if you could just do it, because here's the deal, we want to get some amazing guests, but we actually have to tell them where our podcast stands. Because people are busy, and they want to know if it's even worth their time. And so every download matters, but also.Brad Crowell 35:36  And every time you share the episodes, it matters every time, every time. We're so grateful. So thanks for doing all that. Lesley Logan 35:42  Yeah, all right, until next time, Be It Till You See It. Brad Crowell 35:44  Bye for now. Lesley Logan 35:46  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 36:28  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 36:33  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 36:38  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 36:45  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 36:48  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

“Welcome to Weight Loss Winformation -  I'm your host, Dr. Connie Stapleton. This is episode 234 and our topic today is Are you a people pleaser? If you are, or if you deal with a people pleaser in your life, you'll want to listen to this episode. People pleasing can absolutely interfere in your plans to follow through with a healthy lifestyle that leads to a healthy weight for YOUR body! The Weight Loss Winformation Podcast gives you essential psychological information to help you lose weight and more importantly, to help keep you at a healthy weight for your body! No matter how you are working to lose weight and no matter how much weight you want to lose, Weight Loss Winformation will keep you moving in a positive direction. Let's get started because well… Why Weight? (get it? Pun intended… )?” Resources:BariAfterare: www.bariaftercare.comConnie Stapleton PhD website: www.conniestapletonphd.comBariAftercare website: https://www.conniestapletonphd.com/bariaftercareBariAftercare Facebook page (for members only): https://www.facebook.com/groups/BariAftercareKevin Stephens: Your Bariatric Buddy   https://www.facebook.com/groups/yourbariatricbuddy/peopleInstagram: @cale101 (Caleshia Haynes)Instagram: @therealbariboss (Tabitha Johnson)Instagram @drsusanmitchell (Dr. Susan Mitchell)Instagram: @lauraleepreston (Laura Preston)ProCare Vitamins (10% off with code ConnieStapleton)Rob DiMedio: https://www.busybariatrics.com/Dr. Joan Brugman: drjbrugman@outlook.comDr. Susan Mitchell:https://www.facebook.com/DrSusanMitchellhttps://www.facebook.com/bariatricsurgerystrategiesBreaking the Habit of People-PleasingImprove your self-confidence and life satisfaction.https://www.psychologytoday.com/us/blog/sustainable-life-satisfaction/202308/breaking-the-habit-of-people-pleasingPeople-Pleasinghttps://www.psychologytoday.com/us/basics/people-pleasingAre You a People Pleaser?How the inability to say "no" can lead to health consequences.https://www.psychologytoday.com/us/blog/shrink/201210/are-you-a-people-pleaserPlease subscribe to the show and rate it on Apple Podcasts, download free information at www.conniestapletonphd.com, and follow me on Twitter (@cstapletonphd), Instagram (@cstapletonphd), YouTube

“Welcome to Weight Loss Winformation -  I'm your host, Dr. Connie Stapleton. This is episode 233 and our topic today is Who cares what other people think? Are you kidding? We ALL do – at least to some extent. Where do you fall on that caring what others think continuum? Not much at all or Way TOO Much? Listen to this episode of Weight Loss Winformation and listen to the signs that suggest people are WAY too invested in what other people think about them. If you ARE one of those people who care too much, you can also learn in this episode ways to dial back on the caring meter. Listen in and find what fits for YOU! The Weight Loss Winformation Podcast gives you essential psychological information to help you lose weight and more importantly, to help keep you at a healthy weight for your body! No matter how you are working to lose weight and no matter how much weight you want to lose, Weight Loss Winformation will keep you moving in a positive direction. Let's get started because well… Why Weight? (get it? Pun intended… )?” Resources:BariAfterare: www.bariaftercare.comConnie Stapleton PhD website: www.conniestapletonphd.comBariAftercare website: https://www.conniestapletonphd.com/bariaftercareBariAftercare Facebook page (for members only): https://www.facebook.com/groups/BariAftercareKevin Stephens: Your Bariatric Buddy   https://www.facebook.com/groups/yourbariatricbuddy/peopleInstagram: @cale101 (Caleshia Haynes)Instagram: @therealbariboss (Tabitha Johnson)Instagram @drsusanmitchell (Dr. Susan Mitchell)Instagram: @lauraleepreston (Laura Preston)ProCare Vitamins (10% off with code ConnieStapleton)Rob DiMedio: https://www.busybariatrics.com/Dr. Joan Brugman: drjbrugman@outlook.comDr. Susan Mitchell:https://www.facebook.com/DrSusanMitchellhttps://www.facebook.com/bariatricsurgerystrategiesExploring the social influence on the brain signatures of self-esteem.https://www.psychologytoday.com/us/blog/the-neuroscience-of-personal-growth/202412/self-esteem-is-based-on-what-others-think-about-you#:~:text=Brain%20Scans%20Reveal%20Interesting%20Insights,What%20Is%20Self%2DEsteem?Tips to Soothe Your Worries of What Others Think of Youhttps://psychcentral.com/blog/mental-shifts-to-stop-caring-what-people-think-of-you#:~:text=Fear%20of%20negative%20evaluation%20is,other%20people%20think%20of%20them.Why You Care What Others Think, and Why It's Not a Bad Thinghttps://www.psychologytoday.com/us/blog/making-change/202308/why-you-care-what-others-think-and-why-its-not-a-bad-thing How Not to Worry About What Others Think of Youhttps://www.psychologytoday.com/us/blog/sapient-nature/201603/how-not-worry

It's time for us to cover one of the most epic films of the 90's from Kayla's shelf. Did they go a little overboard with the foreshadowing? (Pun intended). What exactly was Rose's end game? Did Jack secretly have a lady back home? You know you had the 2-pack VHS set! Check out the episode now!

In this week's episode, Dennis Jernigan shares the story behind his song,  “I Wait Here” from the recording, Forty Days and Forty Nights - Songs of Contemplation and Intimacy Vol. 1." That mp3 is available at https://www.dennisjernigan.com/store/product.php?c=24&p=2353 The lyrics can be found below. You can join Dennis and the people of All In All Church for live-stream worship on the first Wednesday evening of each month. Just go to https://www.facebook.com/therealdennisjernigan at 7 PM CST. Mark it in your calendar. Worship with All in All Church - First Wednesday of each month. Daily Devotions for Kingdom Seekers, Vol. 3 is available at https://www.amazon.com/Daily-Devotions-Kingdom-Seekers-Vol-ebook/dp/B081K8TZLX Check out my Patreon page at https://www.patreon.com/DennisJernigan and read through the various tiers of support and discover the myriad of benefits you will receive based on the level of support you choose. If you're willing, go ahead and sign up! You will find the show notes and lyrics below: Welcome to The Dennis Jernigan Podcast, a journey towards healing, hope, intimacy, and refuge in the storms of life – basically, a guide to a deeper connection with Jesus. Through all my years, one thing stands true: God doesn't waste a thing. Not our sorrows, not our wounds, not even our failures. Hey there, I'm Dennis Jernigan, your host, and I'm excited to unveil the story behind my song, “I Wait Here” from the recording, Forty Days and Forty Nights - Songs of Contemplation and Intimacy Vol. 1. In the year 2010,  I felt led to embark on something I had never experienced in my life…a forty day fast. Always marveling at those who had accomplished such a feat…marveling at, while at the same time,  considering those who had completed a forty-day fast somewhere between ‘hero' and ‘eccentric'…I woke one day feeling compelled to begin my own journey of a forty-day fast. Little did I know that God would speak to me in such profound ways and so radically re-order my life in the process. Having just gone through 3 years of grief and sorrow at the loss of relationship with several friends…reeling from the dramatic downturn of our economy…recognizing the lonely place I found myself due to the call to declare to the world my freedom from same sex attraction…major surgery…another daughter marrying and moving literally to the other side of the earth…coming to grips with how different and removed I was from the ‘normal/mainstream' Christian music scene…I woke that day knowing I needed a change…needed to reboot my system in every way – mentally, emotionally, physically, and spiritually. From May 3 until June 11 I consumed only water and fruit and vegetable juice losing 40 pounds in the process. While the weight loss helped get my body back on track after the surgery, the re-focusing of my mind, emotions, and spirit on the things of the Lord began to get my entire being back on track. My good friend, Dean Briggs, sent me a new book he had just written as a guide through a forty-day fast called Consumed:40 Days of Fasting, Repentance & Rebirth. Written in the form of daily devotions, I began each day meditating on either Psalm 40 or Isaiah 40. With each day's meditation the Lord saw fit to give me a song…which I recorded immediately after receiving. The forty songs in these four volumes are the culmination of a 40-day journey of self-rediscovery. My vision for these collections is that you would use them as devotional meditations in your personal daily spiritual walk of intimacy with Christ. We have made the lyrics available to you on this web site along with the Scriptural reference on which I meditated. Use this as a guide to help you rediscover a deeper awareness of your identity in Christ or to uncover new hidden treasures concerning your relationship with the King. Should you decide to set out on your own fast, I strongly encourage you to get the book Consumed:40 Days of Fasting, Repentance & Rebirth by Dean Briggs. You will be greatly encouraged and strengthened in your soul as Dean leads you through a healthy, Christ-centered approach to a spiritual fast. Pun intended, I cannot wait for you to hear this song, I Wait Here, because it was the first song I received on the first day of my 40 Day Fast, but also that it encapsulates the importance of quieting and stilling one's soul before the Lord. Those 40 days proved to be very healing to my body and to my soul and I must add this: since I have been struggling with Parkinson's, the Lord has brought these songs back to my mind and I find myself, once again, having to still and quiet my own soul - especially since my body is in perpetual motion due to the tremors caused by this disease. It is as if I'm learning an even deeper stilling of my soul even as my body ails and refuses to cooperate. Just do what I do. Just take a few minutes. Get alone with the Lord if possible and make this your heart's cry for today: I waited patiently for the LORD… Psalm 40:1a NASB Let's just do that. Let's just sit here a while and patiently wait for the Lord. He is here whether you feel Him or not. He is just here. SONG Isaiah 40:31 says , “But those who wait on the LORD shall renew their strength; they shall mount up with wings like eagles; they shall run and not be weary; they shall walk and not faint.” Let's be as those who soar this week. Soar above our circumstances; Above our sorrows; above our fears; above the enemy and his lies. Let's just wait on the Lord. Let us learn the art of lingering with Him. It's time well spent. Thank you so much for joining me here on The Dennis Jernigan Podcast! For further insights into my journey, music, and more, visit dennisjernigan.com. Stay connected by following me on Facebook, Instagram, and find my music on most major streaming services. To help with the ongoing creation of this podcast, would you consider becoming a member of my team? If so, just go to www.patreon.com/dennisjernigan to find out more!  If you're wanting the mp3 version of the song “I Wait Here" from the studio album "Forty Days and Forty Nights - Songs of Contemplation and Intimacy Vol. 1," simply head to the store at dennisjernigan.com or, again, on most major streaming services. If you get nothing else from today's podcast, get this: God loves you and He is patiently waiting to meet with you. Can you spare a little time today, tomorrow and the next to wait on him? I guarantee it will be worth the wait. Now go and be who your heavenly Father says you are. I Wait Here WORDS & MUSIC Dennis Jernigan May 3, 2010 Verse One 
I wait here in the quiet
 I wait here and I quiet my soul 
I wait here for You 
I wait here in the quiet
 I wait here for You Chorus
 So be still, my soul, for my God is here 
So be still, my soul, for my God is here In this quiet place I am free to hear 
Free to seek Your face
 Father, I am here

   Verse two 
I wait here in the silence 
I wait here and I silence my soul 
I wait here for You 
I wait here in the silence 
I wait here for You   Chorus
 So be still, my soul, for my God is here 
So be still, my soul, for my God is here In this quiet place I am free to hear 
Free to seek Your face
 Father, I am here

 
•©2010 Shepherd's Heart Music, Inc./Dennis Jernigan
• 7804 W. Fern Mountain Rd. Muskogee, OK 74401
•www.dennisjernigan.com•1-800-877-0406
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Până în urmă cu câțiva ani(șori), când primeai o invitație să fii speaker sau trainer sau cum vrei să îi zici la un eveniment, ți se zicea, când era cazul, că nu sunt bani să te plătească pentru prestația de pe scenă. Dar era de la sine înțeles că toate celelalte cheltuieli – transport, cazare, masă – o să le susțină organizatorii. Era, dacă vrei, un fel de înțelegere tacită. O cutumă. Care a funcționat fără probleme ani de zile. În ultimul an, însă, am pățit de 3 ori să fiu invitat ca speaker în afara Bucureștiului. Și să mi se spună că nu au bani să mă plătească. Iar eu să le zic că e ok, nu am nevoie de bani, dă-le pace*. Și că, dacă prezența mea îi ajută pe cei care participă la eveniment, atunci vin. De fiecare dată în aceste trei cazuri înțelegerea aia tacită nu a mai funcționat. Și a trebuti să îmi plătesc eu deplasare, cazarea și masa. Ceea ce am făcut. Că, dacă am promis că mă duc, mă duc. Și nu despre bani, dă-i pace, e vorba aici, ci despre principiu (vezi mai jos). Și în niciun caz nu vreau să acuz pe cineva. Că nu-s genul. Eu prefer oricând și în orice instanță să merge pe sistemul ne dorim îndreptarea păcătosului, nu pedepsirea lui. De aia nu dau exemple concrete. Că nu de arătat cu degetul este ce îmi propun aici. Ci despre îndreptarea obiceiurilor strâmbate, după mintea mea, între timp. Ca să fie bine pentru toate părțile implicate. Când zic de obiceiurile strâmbate, ma refer la faptul că #pevremeamea când zicea cineva ”nu am bani să te plătesc ca să vii să vorbești la evenimentul meu”, se subînțelegea că nu sunt bani pentru urcatul tău pe scenă. Pentru fee-ul tău, cum ar veni. Adică doar despre asta nu erau bani. Așa se subînțelegea. Că speakerul nu o să fie plătit. Și că restul, alea logistice, sunt cheltuieli suportate de organizator. Și asta se subînțelegea la pachet, cum ar veni. Că speakerul nu o să plătească din banii lui toate alea (transport, cazare, masă, diverse). În aceste trei cazuri recente la care fac referire, a fost greșeala mea că nu am stabilit clar condițiile de participare. Că de aia și scriu aceste rânduri. Să pornească toată lumea de acum înainte, organizator și speaker, de la pasul ăsta: să lămurească din start totul, la virgulă. Fără presupuneri. Și fără pârdalnicul și incredibil de nocivul (pentru orice în viață, de altfel) ”io am crezut că…”. Eu am greșit, zic. În cele trei cazuri. Că nu am verificat. Doar că, vezi tu, după ce vreo 15 ani de zile am funcționat în parametrii ăia cu înțelegerea tacită, aia cu subînțelesul, mi-a fost greu să mă resetez. Și să verific astfel de detalii (care nu prea contează, în afara chestiunii principiale cruciale…). Că așa era lumea atunci. Așa funcționa. Dacă mă cunoști cât de cât, știi că aspectul financiar al chestiunii mă lasă mai rece decât îl lasă pe un pinguin un frigider gol deschis. Că nu de banii ăia pe care i-am plătit ca să ajung la evenimente vorbesc eu. Ci de principiu. Care principiu? Păi, ăsta: dacă tu îmi folosești imaginea ca să obții beneficii din evenimentul tău, cum ar fi să câștig și eu ceva? Sau, mă rog, măcar să nu pierd, știi cum zic. Adică eu îți aduc beneficii că particip la evenimentul tău (că doar de aia m-ai chemat, nu?) și tot io să plătesc faptul că îți aduc acele beneficii? Sau cum? Sigur, există oameni care își doresc expunerea la astfel de evenimente. Și n-au o problemă să plătească să ajungă acolo. Doar că nu din ei câștigă organizatorul evenimentului. Ia pune tu, dragă organizatorule, pe agendă doar oameni care plătesc să fie prezenți acolo. Și vezi câtă lume îți vine în public. Că de aia îți dorești branduri personale cât de cât cunoscute. Să vină lumea la evenimentul tău. Pentru ele. Și tu să obții beneficii din evenimentul tău. Doar că brandurile cunoscute nu mai au nevoie de expunere la evenimentul tău. Că le este plin podul de expunere (și de networking), stai relax. Deci faza cu ”o să afle lumea de tine la evenimentul meu” este de o plicticoșenie irefutabilă pentru ei. Astfel de branduri cunoscute acceptă să vină la evenimentul tău din trei motive: 1. Dacă îi plătești (sau le oferi alte beneficii, lista este lungă). 2. Dacă vor să te ajute (eu fac parte clar din această a doua categorie). 3. O combinație între cele două. Da, știu, înțeleg că vremurile sunt cum sunt. Și că organizatorii de evenimente au o mare presiune financiară pe ei. Că nu-i ieftin deloc să organizezi evenimente. Deloc. Doar că asta nu îi împiedică pe organizatori să fie foarte deschiși și transparenți cu invitații lor DE LA ÎNCEPUT. Și să nu discute aceste aspecte financiare abia DUPĂ ce i-au pus pe afiș. Ba chiar, de multe ori, invitatul să afle că are de plătit, să zicem cazarea, abia când face check outul la hotel (yeap, mi s-a întâmplat). Spune invitatului, dragă organizatorule, din start care sunt condițiile. Toate condițiile. Sincer. Fără jenă. Nu lăsa niciun pic de loc pentru invitatul său să presupună ceva. Să o bage pe aia cu ”dar eu am crezut că…”. Iar, dacă faci asta, mă aventurez și îți raportez că o să se întâmple două chestiuni mari și late: 1. O să menții o relație colegială, de amiciție sau uneori chiar de prietenie cu invitatul tău. Care, altfel, pus în postura de a afla târziu (prea târziu) despre costurile ascunse ale participării sale la evenimentul tău, o să se întristeze un pic. Și se strică relația. Uneori de tot. 2. Pun pariu pe o icră neagră mucegăită contra unei butelcuțe sparte de Mona că cel puțin 80% dintre invitații tăi o să accepte să vină în continuare la evenimentul tău. Tocmai pentru că le-ai zis din start care sunt condițiile. Și pentru cei mai mulți dintre ei nu bani sunt problema. Ci principiul, cum ziceam. Ocazie cu care se aplică ce am zis la punctul 1 de mai sus. Cei 20% care nu se bagă posibil să nu fie în targetul tău, ca să nu zic mai multe… Și, pe final, fac o precizare: o să mai ajung fără nicio problemă pe banii mei la evenimentele unde cred că pot ajuta (din diferite motive). Doar că aia o să fie decizia mea financiară, pe care vreau să o iau ÎNAINTE de eveniment, cât mai informat. Nu să fie decizia organizatorului, știi cum zic. Aia zic. *Dacă aș face o listă cu câte din evenimentele la care am fost speaker sau trainer (sute în ultimii ani) au fost de alea plătite, ar fi o listă atât de scurtă încât nu s-ar putea numi listă. Deci nu despre bani este vorba acilea. Sau, mă rog, nu despre banii mei, dacă înțelegi ce vreau să zic…

Episode 050 | Aamir Hussain, MD, MAPP is a board-certified dermatologist currently practicing in Northern Virginia. If you didn't catch him on episode 028 published on August 1st, 2024, check that out first to learn more of his story and then join us as we explore the intersection of cryptocurrency and the business of dermatology in light of his recent cover story in The Dermatologist. Dr. Hussain is an internationally-recognized speaker, writer and educator on health policy, medical education and interfaith dialogue. He speaks five languages and enjoys teaching and working with diverse patient populations. He'll also be welcoming his first child in less than month, so let's wish him and his family all the best as they begin that beautiful journey!Dr. Hussain has won multiple teaching awards from Georgetown University School of Medicine. He has published numerous articles in peer-reviewed journals, authored several book chapters and written for prestigious media outlets, such as The New York Times.He completed his medical degree and master's degree in public policy at the University of Chicago, and his dermatology residency at Georgetown University. And watch out -- he's known as the Pun-isher due to his penchant for bad puns!Connect with and learn from Dr. Hussain

Ninja Saviours ist das moderne Remaster des SNES Klassikers Ninja Warriors und Sir Pommes hat sich mit den Robotern herumgeschlagen (Pun intended), während sich Dengeki Gamer mit den Girls durch River City geprügelt hat. Es wurde also viel gehauen. Lieber etwas Gruseliges? Dann ist vielleicht Longlegs was für euch, auch wenn Sir Pommes seine Bedenken hat. Zum Abschluss gibt es diesmal ein Spiel, das nur in einem Raum spielt, 2 Protagonisten hat und viel Gespräch zwischen den beiden. The Dark Queen of Mortholme. aHatofMedia wünscht wie immer viel Spaß. Timetable: 0:00:00 Begrüßung und wir machen es selbst 0:05:58 Ninja Saviours 0:37:10 River CIty Girls 0:58:43 Longlegs 1:11:15 Dark Queen of Mortholme 1:18:44 Verabschiedung

A bookshelf reorganization took place and though I hate that it's no longer pretty, I'm hoping that it's practical. I have about 70 regular books I own that I've never read (we won't discuss the classics, etc.) so let's get cracking. Pun intended?

Een vrolijk paasweekend namens je favoriete nerds! De feestvreugde heeft deze aflevering wat verhinderd, maar niet doen vergeten. Ook in voor- of tegenspoed, slaaptekorten en katers, duiken wij in aflevering 205 van Nerd Culture weer in de wereld van geek en nerd nieuws! We bespreken wat we hebben gekeken en gelezen, van Gord en Sinners tot Moana 2, bespreken het laatste nieuws van Star Wars Celebration 2025, hebben trailers van onder andere Fantastic Four en 28 Years Later, en tonen het bewijs dat Tom Cruise steeds meer op je tante gaat lijken! Welkom bij Nerd Culture #205 van 20 april.Star Wars Celebration 2025Jullie masters of ceremony van vandaag, zijnde de heren Jelle Kunst en Huey Brown, doen een uitgebreide nabespreking over de nieuwtjes van Star Wars Celebration 2025. Met toch wel de nodige spraakmakende aankondigingen en berichten. Star Wars Starfighter is aangekondigd, waarin de lead zal gaan naar Ryan Gosling. Ook zijn er de tweede seizoenen aangekondigd van zowel Ahsoka als van Light & Magic, een animatieserie over Darth Maul in Star Wars: Maul - Shadow Lord, de eigen aanstelling van Kathleen Kennedy en nog heel veel meer!Tom Cruise & Florence Phugh: Stunt CultureNaast de nieuwtjes over Star Wars, bespreken wij ook weer de laatste nieuwtjes uit Hollywood. Florence Phugh gaat haar eigen stunts doen, en wie weet kan zij daar binnenkort wel een Oscar uit slepen. Speaking of je eigen stunts doen: Celebrity deskundige en opiniemaker Jelle Kunst spotte de laatste foto van Tom Cruise, en wil graag stilstaan bij zijn (niet zo'n) sierlijke ouderdom...De trailer van de langverwachte 28 Years LaterDat lees je goed: Pun unintended. Er is reikhalzend uitgekeken naar de laatste aanvulling van deze horror klassiekers. Na bijna 20 jaar te moeten wachten waren de grappen over de eerste aankondiging van 28 Years Later laaghangend fruit in de studio. Een ander ding waar wij graag naar uitkijken deze aflevering is de trailer van Jurassic World Rebirth. Veel plezier met uitbuiken van de paasbrunch!Timestamps:00:00:00 Intro00:00:52 Sinners00:07:20 The Last of Us S200:09:44 Gord gelezen00:16:28 Flow00:17:25 Moana 200:20:49 Fantastic Four trailer00:25:00 Nieuwe Human Torch heeft respect voor vrouwen00:26:20 Feige vroeg Boyega wie hij zou willen spelen in de MCU00:27:59 Screenwriter Brave New World schetst toekomst nieuwe Captain America00:32:41 Open eindjes MCU00:42:28 Kathleen Kennedy gaat helemaal nergens heen00:44:02 En er worden nog steeds 85 trilogieën en filmen gemaakt00:45:05 Taika is on Taika time00:47:12 Seizoen 2 van Asohka confirmed00:48:20 Dingen die we geleerd hebben over The Mando and The Grogu00:54:07 Darth Maul krijgt animatie serie00:56:28 Ryan Gosling in nieuwe STAR WARS film STARFIGHTER01:02:08 Light & Magic Season 201:04:28 Florence Pugh doet eigen stunts a la de Cruiser!01:06:59 Het is gebeurd - Tom de Cruiser is oud, kijk maar01:08:53 Jurassic World Rebirth Trailer01:11:03 FAST X: PART 2 Update01:13:07 Johnny Depp is terug in Day Drinker 01:15:23 Trailer: 28 years later

Puns are about as good as comedy gets... right?  Sorry... 

We’re super excited to bring you this week’s episode with Senior Clinical Neuropsychologist, Simone Mangelsdorf-Collett (she/her). We chat with Simone about Functional Neurological Disorder (FND) – or, as Simone puts it “the most common disorder you’ve never heard of”. Simone specialises in FND, neurodegenerative syndromes, and movement disorders, and practices out of Yarra City Psychology in Richmond, Melbourne. She is experienced in both ends of patient care, including assessment and diagnosis and rehabilitation and intervention. If you’ve been wondering about FND, this episode is for you! We cover: What is Functional Neurological Disorder (FND), and how does FND differ from other neurological disorders (like epilepsy, stroke, Parkinson’s etc.) What does the term ‘functional’ mean, in this context? The historical context of FND and how our understanding of this condition has evolved over time. Some of the currently known mechanisms behind FND, including predictive coding theory. Some common vulnerabilities and triggers for FND. The overlap between FND, neurodivergence, and gender. Simone takes us through treatment options for FND and who would be involved in the treatment team. How Simone came to specialise in FND and her work in FND advocacy and education. Things mentioned: FND Australia Support Functional Neurological Disorder in Australia Functional Neurological Disorder Society (FNDS), for professionals. Here are some studies on the link between FND and Autism – Tamilson et al., 2024, Gonzalez-Herrero et al., 2024, Pun et al., 2020, Link between gender and FND – McLoughlin et al., 2023. Got questions for us?? Come along to our LIVE Q&A event! Held online on 27th June (with replay available to all ticket holders). Grab a ticket here and submit your question! Enjoyed the episode and want to support us further? Join our Patreon community! Patreon subscribers receive ad-free episodes, basic episode transcripts from Season 4 onwards, access to a monthly live zoom hang out, 50% off our episode articles, plus bonus monthly content (depending on subscription tier). Check out our Patreon page to support us, as we aim to make quality mental health care information accessible to everyone: www.patreon.com/ndwomanpod. Want polished copies of our episodes in beautiful and readable pdf article format? Grab them here. Contact us at ndwomanpod@gmail.com, or visit our website: www.ndwomanpod.comSee omnystudio.com/listener for privacy information.

It's All Been Done Radio Hour #521  Privates #19 "Their Story II"     Jake is missing and presumed dead, at least by Judy, who ordered his execution. Can Frank discover what happened to his erstwhile friend and partner?     Visit our website http://iabdpresents.com Script books, clothing, and more at https://amzn.to/3km2TLm Please support us at http://patreon.com/IABD   Find more from It's All Been Done Radio Hour here: Instagram: https://www.instagram.com/iabdpresents/ TikTok: https://www.tiktok.com/@iabdpresents   A comedy radio show originally performed Saturday, March 9, 2024, at Boxland in Columbus, Ohio.     STARRING Keith Jackson as Detective Jake Cotton  Kristin Green as Dame Judy Bench  Shane Stefanchik as Frank Berry  Megan Overholt as Mary-Louise Gardner  With Chase McCants as Wayne Bench  GUEST STARRING  Sam Clements as Willie Rawls  Dan Condo as Harris    Narrated by Darren Esler  Foley Artist Megan Overholt  Podcast edited by Trulie Awesome Productions     It's All Been Done Radio Hour created and produced by Jerome Wetzel  Written by Jerome Wetzel  Directed by Nick Arganbright  Music Director Kristin Green  Theme Songs composed by Nathan Haley, with lyrics by Jerome Wetzel  Technical Director Shane Stefanchik   When you post about us, hashtag #IABD   #youtuberadioplays #bestyoutubepodcastchannels  

Schick and Nick discuss the latest from the Drop-Off Tournament.  Nick was in Los Angeles for WestWood One last weekend.  He had a "I cannot hear air" moment.  An angry Bahe pun.  Steve Sipple has the secret to picking the bracket correctly. Severe has a bracket of guests.  Mike Couzens drops a Nebraska pun. Nick stiff-armed a radio interview request.  Is it the death of Cinderella?  Drop-Off Tournament update.  Kholls polls!  Is Gary Barta done introducing Fran?  History in the polls!  The boys get some love from a high school basketball broadcast.  Pun 300 from Benetti.   Connect with us! SchickandNick.com Facebook, Twitter, or email  We would hate it if you missed an episode! So PLEASE subscribe, rate the pod, and throw us a review. It helps us out so much! We'd likey that.  This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel! Learn more about your ad choices. Visit megaphone.fm/adchoices

Bespoke care and concierge care are both innovative approaches to healthcare, but they serve different purposes.   By the Editor-in-Chief, Concierge Medicine Today.   Words are my passion. While I'm not perfect at grammar (obviously!), I do manage every now and then to string a few thoughts together that resonate with some Physicians out there. I'm also intrigued by how our culture repurposes and rebrands words to promote specific narratives and ideas. And, ever since Mrs. Nielson, my 8th-grade Advanced Language Arts teacher, told me, “You have a gift; keep writing,” I've loved using words. I'm smitten by the science of language and constantly on a hunt to learn the new ways our words are being reused, rebranded, refined and redefined by our culture.   One term worth revisiting is “bespoke.”   If you're not familiar with it in the healthcare context, let me explain. The word ‘bespoke' is probably more familiar to our European healthcare audience than our North American audience and that's okay.   To summarize, I'll do what you might be doing right now, ‘Googling' it.

OLGA URSU IGDLCC[00:00:00] George Buhnici: Dacă să fii bogat este o alegere, este valabil și reversul? [00:00:05] Să rămâi sărac este o alegere?[00:00:07] Olga Ursu: Cei mai mulți oameni spun că nu [00:00:10] investesc pentru că nu am bani.[00:00:11] George Buhnici: Și[00:00:12] Olga Ursu: eu zice invers, nu ai bani pentru că nu [00:00:15] investești.[00:00:15] George Buhnici: Deci e și o chestie culturală, noi nu suntem obișnuiți să avem bani.[00:00:18] Olga Ursu: Ne place mai mult să cheltuim decât să [00:00:20] câștigăm bani.[00:00:20] George Buhnici: Nu știu, să înceapă cu 100 de lei, poate să fie prea puțin.[00:00:23] Olga Ursu: 100 de lei e mai mult decât deloc. [00:00:25][00:00:25] George Buhnici: Bine Bucnici sau Olga, vii tu și ne spui nouă că trebuie să ne [00:00:30] facem avere? Eu abia mă descurc de la un salariu la altul.[00:00:32] Olga Ursu: Poți să pornești cu o sumă mai mică pentru la început [00:00:35] poate n-ai un capital foarte mare strâns și nici nu e recomandat să începi, mai [00:00:40] ales pe bursă cu un capital mare deodată dacă nu ai experiență.[00:00:44] George Buhnici: De unde știu ei să [00:00:45] facă bani? E o chestie nativă?[00:00:46] Olga Ursu: Pur și simplu profită de oportunități. Oricând există [00:00:50] oportunități și în business, și în piața imobiliară și pe bursă.[00:00:53] George Buhnici: Ok. Asta nu [00:00:55] e un sport național la noi încă.[00:00:56] Olga Ursu: Am un obiectiv în minte. Eu să ajung la... [00:01:00] 2.700.000 de euro obiectivul ăsta. Ok.[00:01:03] George Buhnici: Există oameni de genul ăsta care au astfel de obiective?[00:01:04] [00:01:05] Da. Și 2.700.000 lei n-ar fi rău pentru România? Acum[00:01:08] Olga Ursu: 10 ani n-ai fi investit în [00:01:10] Nvidia.[00:01:10] George Buhnici: Dacă pe vremea aia puneam banii pe index la bursă? Eu[00:01:14] Olga Ursu: cred că [00:01:15] ai fi depășit acum 1.000.000 de euro dacă atunci începeai. Tu[00:01:18] George Buhnici: vezi exact valoarea. Nu stai să te gândești [00:01:20] foarte mult la emoții și la sentimente. Tu vezi de unde se creează valoarea și cum o capturezi.[00:01:25][00:01:25] Salutare tuturor și bine v-am regăsit la IGDLCC, adică informații gratis despre lucruri care costă. [00:01:30] Și din când în când încerc să vă mai duc aici oameni foarte deștepți când vine vorba de făcut bani. Știu că sunt unele dintre cele mai [00:01:35] urmărite podcast-uri, cele în care vorbim despre cum facem bani. Iar astăzi nu se-o vină să credeți avem [00:01:40] o invitată nouă pe acest subiect.[00:01:42] De obicei vă aduc tot felul de experți bărbați. Mă [00:01:45] bucur că avem însă și femei foarte competente în domeniul ăsta [00:01:50] Una dintre puținele consultante de investiții [00:01:55] Avizată de ASF. Da. Bine ai venit, Olga. Bine te-am găsit, George. [00:02:00] Olga Ursul care, nu știu, acum, asta e Moldova acum, nu?[00:02:03] Olga Ursu: Unde locuiesc mă [00:02:05] întrebi?[00:02:05] George Buhnici: Da.[00:02:06] Olga Ursu: Acum nu mai locuiesc în România de trei ani, trei ani și [00:02:10] jumătate, dar am crescut, am născut în Bacău și am crescut în regiunea[00:02:13] George Buhnici: Bacăului. [00:02:15] Înainte să începem acest podcast, vreau să fac un pic de context și să vă explic de ce ne vedem [00:02:20] astăzi cu Olga. Nu știu câți dintre voi înțelegeți dar la nivel global, nu [00:02:25] știu dacă ați auzit chestia asta, se pregătește cel mai mare transfer de avere de la o generație la altă.[00:02:29] [00:02:30] Se vorbește despre mii zeci de mii de miliarde de dolari care se mută de la o [00:02:35] generație la altă. O să avem noi bogați ai planetei care [00:02:40] vin din generațiile Z și mai ales femei. De [00:02:45] când cu emanciparea femeilor Doamne ajută, avem din ce în ce mai multe femei puternice, nu doar în funcție de conducere, [00:02:50] ci și ca avere.[00:02:51] Și mă interesează și eu astfel de perspectivă, cum [00:02:55] văd femeile investițiile, cum văd femeile business-ul, pentru că va [00:03:00] fi inevitabil pentru toți cei care mă urmăresc fie că sunt bărbați sau femei să interacționeze în business și cu femeile. [00:03:05] Dar asta nu este treaba ta neapărat, tu te ocupi în general cu [00:03:10] consultanță de afaceri, nu?[00:03:11] Olga Ursu: Consultanță de investiții și mă refer la investiții pe [00:03:15] bursă adică investiții în acțiuni.[00:03:17] George Buhnici: Ok. Asta nu e un sport național la noi încă.[00:03:19] Olga Ursu: [00:03:20] Începe să devină din ce în ce mai atractiv pentru investitorii români, dar [00:03:25] să ajungă la nivel național mai e de muncă și asta este rolul meu ca și [00:03:30] consultant și rolul specialistilor din piață să facă burța mai [00:03:35] prietenoasă pentru investitorii români.[00:03:37] George Buhnici: Avem de vorbit. La partea asta că a făcut burța mai [00:03:40] prietenoasă, românii au acest obicei transmis din generație în [00:03:45] generație să țină banii la saltea și dacă nu îi mai țin neapărat la saltea, erau tot [00:03:50] felul de povești, mai ales în anii 90, că se găseau banii în saltele care expiraseră, spre [00:03:55] exemplu nu mai puteau fi schimbați sau putreziți sau stricați de un incendiu sau de [00:04:00] o inundație.[00:04:00] După lecțiile astea, mulți oameni și-au mutat banii din saltele în [00:04:05] bănci.[00:04:05] Olga Ursu: Și? O foarte mare pondere a averei românilor se află în [00:04:10] depozite la bănci. Și cealaltă și mai mare este în imobiliare.[00:04:14] George Buhnici: [00:04:15] Deci ne ținem banii, dacă nu mai sunt în saltele, sunt în bănci. [00:04:20] Mă hazardez dacă spun că e același lucru?[00:04:23] Olga Ursu: Din punct de vedere al [00:04:25] siguranței e mai bine.[00:04:27] Sub saltea există mai multe [00:04:30] riscuri. Pe de altă parte, banii într-un depozit bancar [00:04:35] produc o dobândă care încearcă să țină ritmul cu inflația, măcar atât. [00:04:40] Dar de cele mai multe ori, un depozit bancar are un randament sub rata [00:04:45] inflației.[00:04:45] George Buhnici: Mai pe românește practic banii pe care țin bancă își pierd valoarea în fiecare an.[00:04:49] [00:04:50] Se[00:04:50] Olga Ursu: devalorizează da.[00:04:51] George Buhnici: Cam cât-au devalorizat banii românilor din [00:04:55] bănci în ultimul an? Ai o idee?[00:04:56] Olga Ursu: Odată este inflația care mănâncă din valoarea banilor [00:05:00] apoi este costul de oportunitate. Îmi putea să plasăm banii ăștia să... [00:05:05] Producem un randament pozitiv peste inflație și sunt multe instrumente, [00:05:10] unele sunt destul de sigure, cum ar fi titlurile de stat, care au un [00:05:15] randament foarte bun.[00:05:16] În ultima perioadă randamentul la titlurile de stat românești a [00:05:20] crescut și a ajuns la o cotă în care, [00:05:25] doar dacă ai nevoie de banii aia pe termen scurs și ai nevoie să umbli la ei, atunci îi [00:05:30] ții într-un depozit dar altfel mai degrabă îi plasa în titluri de stat cu randamente [00:05:35] de 5, 6 7% depinde de valută, dacă e în euro sau în lei.[00:05:39] George Buhnici: La lei [00:05:40] am văzut inclusiv spre 8 în anumite situații, statul se împrumută la niște dobândi destul de ridicate [00:05:45] din cauza riscului de țară, contextul geopolitic recesiune și alte [00:05:50] asemenea.[00:05:50] Olga Ursu: Da, și deficitul bucetar foarte mare și asta este [00:05:55] motivul pentru care sunt emisiuni constante de titluri de stat și investitorii [00:06:00] români iau primul contact cu bursa plasând banii în aceste [00:06:05] titluri de stat, care sunt și listate pe bursă și apoi se pot tranzacționa.[00:06:09] George Buhnici: Ok, [00:06:10] așadar să ne întoarcem la saltea. Ai banii la saltea, știi că ai acces rapid la cash, [00:06:15] dar există riscurile de rigoare, că află cineva, că ți se fură, că se distrug, să întâmplă ceva cu ei. Acum e de [00:06:20] plastic, nu mai puterezezi la fel. Ard repede. Dar ard. Și [00:06:25] oricum, fiecare cu riscul lui. Însă dacă iei de la saltea și îi duci în bancă, [00:06:30] ce mai mulți îi țină oricum în conturi curente.[00:06:32] Conturile curente nu prea au dobândă, nu? Că asta [00:06:35] e dobândă la vedere, care e foarte mică.[00:06:36] Olga Ursu: Da, nu prea au, sau sunt anumite Tipuri de conturi [00:06:40] curente care au o dobândă mică, dar... E [00:06:45] mare diferența între a-ți plasa pe un depozit pe un termen mai mare, nu știu 3 luni, 6 luni un [00:06:50] an și ai ține în contul curent. În conturi curente ținem pentru [00:06:55] necesitățile curente că de asta se numește cont curent.[00:06:58] George Buhnici: Adică pentru facturi, [00:07:00] întreținere, mâncare, mici plăceri lucruri de genul ăsta. Încerc să lămuresc câteva chestii de [00:07:05] bază din abecedar, că vreau să ajung la investiții, dar aș vrea să clarific unde simt că [00:07:10] noi ratăm exact ce ziceai tu, costul la de oportunitate. Da? Mă mut mai departe așa dar [00:07:15] dacă înțeleg că în contul curent nu prea fac dobândă, banii ăia își pierd valoare prin faptul că [00:07:20] dacă pun 100 de lei, s-ar putea să am și niște costuri de [00:07:25] operare ale băncii care să-mi topească banii ăia mai repede, nu doar prin inflație, pentru [00:07:30] că inflația statistică este 7, 8, ceva de genul ăsta.[00:07:34] [00:07:35] În realitate însă sunt produse la care inflația este mult mai mare. Adică s-au scumpit [00:07:40] prețurile și abia s-au mai domolit un pic. Și atunci ai avea [00:07:45] 100 de lei, acum s-ar putea să mai ai 90 de lei după un an. Echivalent. [00:07:50] S-ar putea să scrie 100 acolo în conioare, dar în realitate s-ar putea să mai fie doar 90.[00:07:55][00:07:55] De acord? Da. Asta este chestia care ne scapă cel mai mulți dintre noi. De ce fac românii [00:08:00] greșeala asta? De ce crezi că ratează fix înțelegerea că banii [00:08:05] lor își pierd din valoare, deși cifra poate nu se schimbă?[00:08:09] Olga Ursu: [00:08:10] Tot mai mulți români realizează în ultimii ani. Sunt destul de conștienți [00:08:15] românii că inflația le mănâncă din puterea de cumpărare practic.[00:08:20][00:08:20] Dar pentru că am avut mulți ani cu inflație mică cu [00:08:25] dobândi foarte mici atunci ne-am obișnuit să nu... Nu facem nimic cu banii sau nu [00:08:30] îi plasăm, pentru că oricum dobânzile nu contau. Dacă ți-aduce aminte, înainte de [00:08:35] pandemie, dobânzile erau negative. Dacă făceai un depozit aproape că nici nu [00:08:40] merita să ții banii în depozit.[00:08:41] Erau alte instrumente în care puteam să investim, [00:08:45] să obținem randamente, dar depozitele bancare erau pe ultimul [00:08:50] loc. Acum e prima variantă cea mai la [00:08:55] îndemână, în care putem să ne protejăm un pic de inflație. De ce țin românii banii [00:09:00] în conturi curente Pentru că nu gândesc neapărat în a economisi [00:09:05] să gândesc să folosească banii ăia și atunci ce rost are să [00:09:10] faci un depozit dacă peste două săptămâni umbli la el?[00:09:13] George Buhnici: Deci e și o chestie [00:09:15] culturală. Noi nu suntem obișnuiți să avem bani. Suntem obișnuiți că s-ar putea să fie nevoie să am acces rapid [00:09:20] la banii mei.[00:09:21] Olga Ursu: Da, ne gândim mai degrabă la consum, la cheltuieli, când avem bani, decât [00:09:25] la cum să economisim sau cum să producem alți bani. Ne place mai mult să cheltuim decât [00:09:30] să câștigăm bani, deși oamenii [00:09:35] afirmă că ok, îmi place să am bani, dar de fapt îi spun, îmi place să cheltuiesc bani, nu să [00:09:40] fac bani.[00:09:41] George Buhnici: Da valoroasă chestia asta. Cred că mergem [00:09:45] împreună cu ideea aia că să am bani pentru zile negre. Prea puțină lume spune că [00:09:50] am bani pentru zile albe, pentru zile bune, știi Adică suntem mult [00:09:55] prea atenți la riscul de a avea nevoie de cash la îndemână decât de [00:10:00] oportunitatea a mulți banii, nu?[00:10:01] Olga Ursu: Da, pentru că pur și simplu, nu [00:10:05] am gândit prea mult în direcția asta sau nu am fost educați să gândim [00:10:10] așa Da, pentru, pur și simplu nu De exemplu, antreprenorii își educă [00:10:15] copiii cum mai putea să câștigi bani, cum mai putea să generezi niște bani.[00:10:20][00:10:20] Am observat că antreprenorii își cresc în felul ăsta. Copiii nu le dau bani de [00:10:25] buzunar, îi pun să câștige banii de buzunar ca să-i învețe de miști să facă bani. [00:10:30][00:10:30] George Buhnici: Ok. Da, recunosc metoda. Că dacă [00:10:35] dai bani, se obișnuiește că banii vin.[00:10:36] Olga Ursu: Exact. Banii vin și se cheltuie. Vin și pleacă. Asta [00:10:40] învață copiii.[00:10:40] George Buhnici: Ceea e adevărat până la un punct.[00:10:43] Olga Ursu: Sigur. [00:10:45] Vin, pleacă, dar e important să și rămână ceva.[00:10:47] George Buhnici: Exact. Și să creezi [00:10:50] valoare, nu?[00:10:50] Olga Ursu: Da. Un antreprenor creează valoare. Un om care muncește [00:10:55] creează valoare. Și noi putem să creăm pentru noi valoare. În timp folosim [00:11:00] banii și... Investindu-i, pânându-i la treabă, să creeze valoare pentru noi [00:11:05] pentru perioadele în care poate o să vrem să muncim mai puțin, o să vrem să [00:11:10] menținem standardul de viață la bătrâneții, de exemplu la pensie.[00:11:14] Din ce în ce [00:11:15] mai mulți români își construiesc suplimentar fața de contribuția obligatorie la pensie, [00:11:20] pilonul 3, dar și un portofoliu de active care să le [00:11:25] genereze venituri la pensionare.[00:11:27] George Buhnici: Pentru că, în realitate, nu prea avem [00:11:30] încredere în sistemul public de pensii.[00:11:32] Olga Ursu: E destul de evident că [00:11:35] pensia din sistemul public va fi mai mică decât veniturile în [00:11:40] perioada activă.[00:11:41] Asta e evident. Acum întrebarea este cu cât la cât va fi, la 40%, [00:11:45] la 30%. Asta o să vedem în timp Din [00:11:50] perspectivele sunt din ce în ce mai... Proaste [00:11:55] pentru sistemul de pensii, atunci românii au învățat să nu mai [00:12:00] conteze numai pensia de la stat, să-și facă și ei o [00:12:05] sursă de venit suplimentară. De fapt eu aș zice, să acumuleze avere ca [00:12:10] să aibă un backup financiar.[00:12:12] George Buhnici: Să ai un pic de avere nu înseamnă să [00:12:15] fii bogat. Să ai o avere înseamnă să ai banii ăia [00:12:20] pentru viitor, nu doar pentru zile negre[00:12:23] Olga Ursu: Da să ai avere înseamnă să [00:12:25] fii da, ești bogat mai bogat decât dacă n-o ai.[00:12:29] George Buhnici: [00:12:30] Și să fii liber, să poți să decizi tu pentru tine pentru că dacă ai un capital, o avere, dacă [00:12:35] ai banii tăi, nu vei sta cu mâna întinsă.[00:12:37] Olga Ursu: Da, și ai libertatea de [00:12:40] decide pentru tine care vrei să fie standardul de viață, [00:12:45] când și cât vrei să muncești, unde vrei să [00:12:50] locuiești Ai puterea de decide asupra [00:12:55] felul în care străiești viața.[00:12:57] George Buhnici: Adică acum ești în putere, [00:13:00] ești productiv, te obișnui să bei cafea de o anumită calitate, să [00:13:05] mănânci carne de o anumită calitate și dintr-o dată vine pensia și te duci la [00:13:10] magazin și în loc de, nu știu, șuncă, iei parizer.[00:13:14] [00:13:15] În loc de cafea bună, te duci și ei, nu știu, [00:13:20] ceva mai ieftin. Dintr-o dată trebuie să-ți reduci stilul de viață.[00:13:24] Olga Ursu: Asta se întâmplă [00:13:25] dacă nu ai un backup, dacă nu ai niște bani ai tăi deoparte care [00:13:30] pe deoparte poate să-ți producă un venit destul de... [00:13:35] Destul de liniar De exemplu dacă investești în titluri de stat, ai lunar un [00:13:40] randament.[00:13:40] Depinde cât ai plasat. Dacă ai plasat cu 7%, obții 7%. Pe o [00:13:45] perioadă de cât De 5 ani pe cât ai plasat tu banii. Ei, pe venitul ăla poți [00:13:50] să te bazezi. Dar, sunt și alte instrumente în care poți să investezi să ai [00:13:55] randamente mai bune, cum ar fi acțiunile. Asta e motivul pentru care oamenii investesc pe bursă pentru că [00:14:00] vor randamente mai mare decât dacă ar plasa în instrumente care sunt mai [00:14:05] sigure, dar randamentul e limitat[00:14:08] George Buhnici: Deja acolo intrăm [00:14:10] într-o zonă în care avem prea puțini oameni.[00:14:12] Ajungem și la bursă. Până la bursă aș vrea să [00:14:15] clarificăm totuși pentru cei... Deja aud comentariile, mă uit acolo de sub și văd [00:14:20] bine Bucnici sau Olga. Vii tu și ne spui nouă că [00:14:25] trebuie să ne facem avere. Eu abia mă descurc de la un salariu la altul. Pe pună dreptate. Foarte [00:14:30] mulți români trăiesc de la un salariu la altul.[00:14:32] E o statistică că mai mult de [00:14:35] 75% din populația, din toate țările civilizate nu doar din România, dar și din [00:14:40] România, trăiesc de la un salariu la altul. Ce le spunem acestor trei din patru [00:14:45] care abia s-a ajuns cu banii de la o leafă la altă?[00:14:49] Olga Ursu: Cei mai mulți [00:14:50] oameni spun că nu investesc pentru că nu am bani.[00:14:54] Și el zice [00:14:55] invers. Nu ai bani pentru că nu investești. [00:15:00] În sensul că dacă îți propui să investești și începi, cu o sumă cât de mică, [00:15:05] dar începi. Și vezi că banii aia produc, o să vrei să investești mai [00:15:10] mult. Și atunci o să te gândești, ok, cum aș putea să fac mai mulți bani? Cum aș putea să-mi crez salariul?[00:15:14] [00:15:15] Cum aș putea să-mi specializez pe un [00:15:20] domeniu în care aș putea să câștig mai mult? Sau un antreprenor? Cum aș putea să-mi crez business-ul să [00:15:25] fac mai mulți bani ca să am capacitatea de a investi mai mult? Adică dacă ne gândim că nu ne [00:15:30] ajung banii, nu o ajungă niciodată.[00:15:31] George Buhnici: Hai să luăm un exemplu. Avem un om care trece [00:15:35] în București, viața-i scumpă, are de plătit chirie, are de plătit [00:15:40] mâncare, mai iese un pic în oraș că trebuie să trăiască și abia se descurcă nu știu, cu 4.000 de [00:15:45] lei într-o lună 3, 4 5.000 de lei pe lună.[00:15:49] Ce-i propui să [00:15:50] facă pentru a-și cărea acest mic capital pe care spui tu pentru a investi până că [00:15:55] nu știu, să înceapă cu 100 de lei sau să fie prea puțin?[00:15:58] Olga Ursu: 100 de lei e mai mult decât [00:16:00] deloc. Asta în primul rând. În al doilea rând [00:16:05] Aici e o problemă de venituri. Adică, ok, când vezi că ai un [00:16:10] nivel al cheltuielilor și nu poți să-l acoperi din veniturile pe care le [00:16:15] ai, în prima fază trebuie să faci ceva ca să screști veniturile.[00:16:19] George Buhnici: Ok. [00:16:20] Și mă duc și renegocez salariul.[00:16:23] Olga Ursu: Renegocez salariul, sau caut [00:16:25] un loc de muncă mai bine plătit, poate trebuie să învăț ceva, să dobândesc niște abilități, fac ce e [00:16:30] nevoie să fac, să pot câștiga mai mult, apoi să pot să încep și să [00:16:35] investesc. Altfel nu o să ajungi niciodată să investești dacă nu-ți pui problema, dacă [00:16:40] nu-ți setezi obiectivul ăsta.[00:16:41] George Buhnici: Ok. M-am dus la patron, patroană, și am [00:16:45] spus, doamnă vreau mai mulți bani. Și mi-a zis, n-am. Du-te înapoi la muncă. [00:16:50] Iată de simplu În foarte multe locuri așa se întâmplă. Ce-i spun eu lui... [00:16:55] Gigel, care s-a dus să negoceze un salariu mai bun, sau Vasile, sau Nicu. [00:17:00][00:17:00] Olga Ursu: Mi-aduc aminte de o persoană cu care vorbeam tot așa că nu [00:17:05] avea suficienți bani voia să investească nu era nici într-un caz pregătită să [00:17:10] investească pentru că avea foarte multe datorii.[00:17:13] Avea un salariu bun, [00:17:15] extrem de bun, dar avea credite pentru mașină, pentru [00:17:20] casă pentru telefon, pentru laptop. Și era clar că nu era [00:17:25] momentul în care să înceapă să investească Avea[00:17:26] George Buhnici: salariu bun, dar avea credite la toate lucrurile.[00:17:28] Olga Ursu: Da. În [00:17:30] primul rând i-am zis, ok, trebuie să te apuci să plătești datoriile în [00:17:35] primă fază ca să poată să-ți rămână capital să și investești.[00:17:38] Mai mult de jumătate [00:17:40] din salariul se ducea pe datorii. La începutul lunii le dădea și apoi rămânea restul [00:17:45] pentru cheltuielile curente. Niciodată nu i-au ajunge o bani de la o lună la alta. În primul rând, i-am [00:17:50] zis, ok, chiar dacă e salariul mare, e nevoie să scriești veniturile. Și [00:17:55] repede pentru că te tot înfunzi în datorii, de la lună la lună.[00:17:58] Știi ce a fost prima dată? [00:18:00] A început să... Mergă cu[00:18:02] George Buhnici: autobuzul?[00:18:04] Olga Ursu: [00:18:05] Vă ia să-și păstreze mașina că avea credit pe ea. O folosea să [00:18:10] facă Uber, să transporte A[00:18:12] George Buhnici: e ceva. Măcar o folosea productiv.[00:18:13] Olga Ursu: Da, da. Și a început [00:18:15] să-și crească veniturile, să ajungă în punctul în care să înceapă să plătească din datorii. [00:18:20] A luat cam un an și jumătate să plătească datoriile astea care consumau cel mai mult [00:18:25] din venit.[00:18:25] A rămas creditul pe casă. După care a început să strângă [00:18:30] bani pentru investiții. Acum are un business, are investiții și e mult mai [00:18:35] relaxată.[00:18:35] George Buhnici: Mulți se vor regăsi în discuția asta. Au un anumit venit Dacă trăiești [00:18:40] într-un oraș mare, sunt șanse să ai și un salariu mai bun de 1.000 de euro. Sunt oameni care câștigă poate 2.000.[00:18:44] [00:18:45] I-am auzit povești de oameni care câștigă 4-5.000 de euro pe lună și tot nu reușesc să pună bani [00:18:50] deoparte. Alea e un caz extrem. Dar venind mai aproape de ce spuneai tu, mulți oameni au [00:18:55] credite. Cam care trebuie să fie o ordine corectă în a accepta de a te [00:19:00] împăca cu ideea ok, fac credit, fac credit, fac credit, dar câte credite?[00:19:03] Și la ce nu recomanzi să faci [00:19:05] credit?[00:19:05] Olga Ursu: N-aș lua nici într-un caz telefon, laptop pe credit. Indiferent [00:19:10] cât de tentante sunt ofertele, așa sunt făcute să fie tentante să ne luăm [00:19:15] credite, dar nu e o soluție bună.[00:19:18] George Buhnici: Ok, deci telefonul odată Apoi [00:19:20] nu recomanzi credit pentru mașină?[00:19:22] Olga Ursu: E o capcană asta cu [00:19:25] mașina ok. O să-ți iei o mașină foarte scumpă dacă îți permiți să iei credit.[00:19:30][00:19:30] Și o să plătești niște ani buni la mașina respectivă, bani pe care ai putea [00:19:35] să-i direcționezi către investiții.[00:19:36] George Buhnici: De ce este în cultura noastră atât de importantă totuși mașina? Tu stai [00:19:40] de vorbă cu foarte mulți antreprenori și, din nou, nu vreau să judecăm pe nimeni, da? [00:19:45] Nu plec de la nicio idee preconcepută.[00:19:47] Cred că există și o valoare în a avea o mașină bună, [00:19:50] în a avea o mașină modernă, nouă chiar.[00:19:53] Olga Ursu: Sigur. Dacă [00:19:55] tu ai capital și produci bani încă să ți-o permiți foarte bine, bucură-te de ea. [00:20:00] Da[00:20:00] George Buhnici: Adică ce înseamnă asta să ai capital să ți-o permiți? Că tu vezi lucruri diferite față de un om care zice am [00:20:05] salariu de 2000, îmi permit să bag 1000 pentru un Range Rover.[00:20:08] Atâta este leasing-ul. Dacă te [00:20:10] duci acum la autonom, poți să-ți iei Range Rover cu 1000 pe lună. Păi[00:20:13] Olga Ursu: asta ziceam că e ca cana Da, îmi [00:20:15] permit. Adică o să dau jumătate din venitul meu pe mașină și pentru investiții [00:20:20] zero.[00:20:20] George Buhnici: Păi da, da. Mie-mi place mașina aia.[00:20:22] Olga Ursu: De acord. Îți place mașina și [00:20:25] atunci ajungem la ce ziceam mai devreme.[00:20:27] Oamenilor le place să cheltuiască banii, nu să-i [00:20:30] facă. Dar o să rămânem în capcana asta tot timpul. Dacă nu, [00:20:35] pur și simplu trebuie să ieșim brutal din ea. Efectiv, e un moment în care hotărăsc, [00:20:40] bine, până acum m-am cheltuit, m-am [00:20:45] bucurat de viață, m-am bucurat de lucruri pe care poate nu mi le permiteam, [00:20:50] dar este un moment în care trebuie să mă gândesc și la...[00:20:55][00:20:55] și la îmi construi o avere, că până la urmă vreau să zic de pensie. Mulți [00:21:00] gândesc ok, mai e până la pensie văd eu ce fac atunci. Da, dar [00:21:05] ne întâlnim o familie, o să ne avem nevoie de casă sau să ne cumpărăm o casă mai mare, o să avem [00:21:10] atunci nevoie de o mașină mai mare. E important să acumulăm un capital și [00:21:15] când...[00:21:15] Chiar avem nevoie de mașina aia care să ne asigure confortul nu doar pentru [00:21:20] noi, pentru întreaga familie atunci să putem să ne permitem.[00:21:23] George Buhnici: La momentul în care noi registrăm, eu [00:21:25] mă pregătesc să îmi plinesc 44. Și dacă fac așa o mică socoteală, [00:21:30] teoretic dacă ar fi să mă iau după norma noastră culturală, aș mai avea [00:21:35] 21 de ani până la pensie.[00:21:36] 21 ori 12 sunt undeva la 252 [00:21:40] de luni. Câți bani [00:21:45] ar să pun eu în fiecare lună ca atunci când aș ieși la pensie în sfârșit să [00:21:50] am destui bani deoparte. Și dintr-o dată lucrurile astea sunt într-o perspectivă mult [00:21:55] mai clară. Pentru eu nu sunt sigur că o să pot să fac încă o noare chestie asta fix la fel.[00:21:59] Eu [00:22:00] m-aș bucura. Dar nu pot să-mi garantez eu mie că voi fi la fel de productiv [00:22:05] încă 21 de ani. Și cred că asta este capcanea în care suntem cei mai [00:22:10] mulți dintre noi. Ne imaginăm că vom fi la fel de productivi, vom avea aceeași putere de muncă, [00:22:15] aceeași disponibilitate la efort, la nesfârșit că în realitate lucrurile se pot schimba [00:22:20] foarte repede.[00:22:21] Olga Ursu: Da, merită să faci un efort mai mare. În perioada ta cea mai [00:22:25] productivă, când câștiești cel mai mult, să pui mai mult deoparte. [00:22:30] Acum cât Sunt investitori care își pun 50% din [00:22:35] venituri în investiții direct.[00:22:36] George Buhnici: 50%, jumătate?[00:22:38] Olga Ursu: Jumătate, da. [00:22:40] Și zic ok, o să fac asta pe perioada 5 ani sau 10 ani, [00:22:45] până îmi strâng un capital.[00:22:46] Am un obiectiv în minte. Vreau să ajung la 2.700.000 de [00:22:50] euro. Obiectivul ăsta. Ok.[00:22:52] George Buhnici: Există oameni de genul ăsta care au astfel de obiective?[00:22:54] Olga Ursu: [00:22:55] Da. Bravo lor. Cât trebuie să pun deoparte Ok, calculez. O parte din [00:23:00] sumă asta va acumula și din randamentul pe care îl producea [00:23:05] investiția. Aici[00:23:05] George Buhnici: e șmecherie. Ca să ajung la 2.700.000, Nu trebuie să pui [00:23:10] 2.700 deoparte.[00:23:10] Olga Ursu: Depinde de suma de la început. Dacă începi cu o sumă mică, [00:23:15] atunci capitalul pe care îl folosești din veniturile [00:23:20] tale, ca să ajungi la 2.700, e mai mare. Dar cu cât suma [00:23:25] inițială e mai mare, adică pornești de la o sumă deja, cu atât suma respectivă va produce [00:23:30] randament pe care îl reinvestești și ajungi mai repede de la 2.700.[00:23:35][00:23:35] Ca să luăm exemplul ăsta. Mă vântă minte pentru că am o persoană în minte [00:23:40] care are acest obiectiv. Nu[00:23:41] George Buhnici: toată lumea are astfel de obiective. Și 2.700 de lei n-ar fi rău [00:23:45] pentru România ca să ai o pensie liniștită să trăiești cum ai vrea tu. Dar poate [00:23:50] un milion, 500 de mii orice fel de sumă pe care o ai, [00:23:55] îți poate asigura un viitor, să zicem așa, un pic mai [00:24:00] confortabil într-o lume nesigură.[00:24:01] Olga Ursu: Un viitor confortabil și libertatea de decide. [00:24:05] Eu, de exemplu împreună cu familia Ne-am mutat din țară [00:24:10] În timpul pandemiei În [00:24:15] 2021 Pur și simplu Am plecat într-o vacanță Și am [00:24:20] zis că noi lucrăm online Și eu și soțul meu Și am zis De ce să [00:24:25] ne machinim în București? Hai să alegem să stăm aici Hai să stăm un an [00:24:30][00:24:30] George Buhnici: În 2021 erai în București?[00:24:33] Olga Ursu: Sunt în București Din [00:24:35] 2001 am venit la facultate Și aici am rămas[00:24:38] George Buhnici: 20 de ani ai [00:24:40] stat aici?[00:24:42] Olga Ursu: Fără Ultimii 3 ani jumătate 4 [00:24:45] aproape M-am mutat în Spania[00:24:48] George Buhnici: Și[00:24:48] Olga Ursu: pur și simplu Am [00:24:50] zis ok Avem câteva investiții Ne putem [00:24:55] permite Nu știu dacă Aveam soțul meu avea job Eu aveam tocmai ce [00:25:00] am început un business Dar nu făceam prea mulți bani Adică nu la [00:25:05] nivelul de cheltuieli din Spania Era ok pentru București Pentru Spania [00:25:10] era nevoie de un venit mai mare Dar am zis ok [00:25:15] Avem un capital Avem niște venituri care vin din [00:25:20] investițiile noastre Vrem să ne creștem un pic [00:25:25] standardul de viață Vrem să locuim în Spania Nu știm pentru cât hai să vedem cât ne permitem Și știi ce [00:25:30] s-a întâmplat prima dată?[00:25:31] Am început să ne gândim cum să putem să [00:25:35] câștigăm mai mult Adică ne-am ajustat veniturile Ca să putem să acomodăm [00:25:40] nivelul de trai pe care vroiam să le avem Adică exact ce mă întrebai mai devreme Cum [00:25:45] să facă un om care vrea să investească dar nu are venituri Ok, ia [00:25:50] provocarea Apucă-te să investești Puneți un obiectiv Și o să vezi că vin și [00:25:55] soluțiile O să le găsești tot tu, nu altcineva, dar [00:26:00] o să fii în căutarea soluțiilor.[00:26:01] Dacă ai provocarea asta, dacă stai tu singur [00:26:05] provocarea asta.[00:26:06] George Buhnici: Totuși, e adevărat ce am auzit că e Spania mai ieftină decât [00:26:10] Bucureștiul?[00:26:10] Olga Ursu: La supermarket prețurile sunt chiar un pic mai mici decât [00:26:15] în București. Locuiesc în Spania, pe insulă în Tenerife.[00:26:18] George Buhnici: E frumoasă [00:26:20] insula aia?[00:26:20] Olga Ursu: Este frumoasă, e clima foarte bună.[00:26:22] Eu am observat că sunt mult mai [00:26:25] productivă când stau într-un mediu mai liniștit, mai confortabil. [00:26:30] Sunt schimbări din astea bruște de temperatură. Știi cum e în București? Câteodată nu-ți vine să [00:26:35] muncești vrei să pleci la mare la munte Iarna nu-ți vine să [00:26:40] ieși din casă.[00:26:41] George Buhnici: Interesant. Este un alt mod de a vedea lumea și de a trăi.[00:26:43] Și sunt mulți români care au trecut prin [00:26:45] chestia asta. Nu sunt doar cei care au plecat să muncească în agricultura sau pentru munci, din [00:26:50] astea ușoare. Sunt și oameni cu un pic de educație și cu niște venituri care s-au dus către zonele astea. [00:26:55] Exact cum vin și englezii către Spania, din cât te înțeleg.[00:26:57] Olga Ursu: Da, sunt foarte mulți englezi, [00:27:00] nemți, români în ultimul timp.[00:27:05][00:27:05] În Tenerife există comunitate de români. Foarte mulți freelanceri [00:27:10] IT-ști, domenii care lucrează peste tot în lume, [00:27:15] online, și aleg să-și treacă, [00:27:20] adică să locuiască într-un loc mai prietenos din punct de vedere al climei, dar [00:27:25] și un pic mai liniștit față de marele orașe.[00:27:28] George Buhnici: Și asta pleacă fix din [00:27:30] libertatea de care vorbeai.[00:27:31] În momentul în care e capital...[00:27:32] Olga Ursu: Ai libertatea de decide. Unde [00:27:35] locuiesc, ce îmi Ce stil de viață vreau să am, [00:27:40] când ai un capital, când ai bani, poți să ai [00:27:45] curajul să începi un business. Pentru că într-un business, ca [00:27:50] antreprenor, trebuie să riști la început, dar nu știi dacă o să meargă sau nu o meargă [00:27:55] business-ul respectiv.[00:27:55] Dacă tu ai un capital backup, știi că [00:28:00] oricând dacă nu merge, te bazezi pe ceva și poți să revii să încerci un alt lucru.[00:28:04] George Buhnici: [00:28:05] Revenim la IGDLCC în dată ce-ți spun despre sponsorul nostru, Darkom Energy, cei care [00:28:10] ne garantează că nu ni se sting luminile din studio, adică nu avem niciodată [00:28:15] pene de curent.[00:28:15] Panourile fotovoltaice, invertoarele și bateriile sunt [00:28:20] inima sistemului nostru energetic și cred cu tărie că sunt investiții importante, dar [00:28:25] și rentabile. Cu acest sistem am economisit deja mii de euro la facturi Dar și mai [00:28:30] important, avem electricitatea garantată fără fluctuații care ne pot defecta [00:28:35] electricele și electronicele.[00:28:37] Dacă ai în plan să construiești, să renovezi orice [00:28:40] fel de clădire, inclusiv industrială, alege o soluție solidă de generare [00:28:45] și stocare de energie. Noi colaborăm cu echipa Adarcom Energy și îi recomandăm. Olga, [00:28:50] dar tu ai moștenit banii? De unde ai tu banii?[00:28:52] Olga Ursu: N-am moștenit nimic i-am[00:28:54] George Buhnici: [00:28:55] făcut. Ai câștigat banii de undeva?[00:28:56] Ți-a picat din cer?[00:28:57] Olga Ursu: Am fost angajat timp de 14 [00:29:00] ani, am fost broker. De când am terminat facultatea din [00:29:05] 2005, m-am angajat ca broker. Am lucrat ultimii 11 [00:29:10] ani ca broker la BRD, în departamentul de tranzacționare. Și [00:29:15] am renunțat la a fi broker înainte de pandemie Asta [00:29:20] mi-a permis să stau super relaxată în pandemie, nu trebuia să mă duc la birou, au fost [00:29:25] mult mai ok și să trec prin pandemie neavând constrângerea asta de a fi [00:29:30] angajat.[00:29:31] Mi-am dorit să devin consultant de investiții și momentan [00:29:35] pe lângă consultanța pe care o dau, sunt și antreprenor Am un [00:29:40] mic business de educație financiară pentru investitori Pentru investitori la bursă nu [00:29:45] educație financiară generală, ci pentru investitori Cum să-și construiască portofoliu, cum [00:29:50] să-l gestioneze, cum să fie eficienți ca investitori.[00:29:52] George Buhnici: Acum trebuie să spunem că BRD-ul a [00:29:55] introdus un sistem din asta de lucruri remote pentru foarte mulți [00:30:00] angajați.[00:30:00] Olga Ursu: După pandemie da.[00:30:01] George Buhnici: Sunt oameni conoare care lucrează remote și acolo și în multe alte [00:30:05] instituții. Ceea este o lecție bună cu limiterile de rigoare, pentru că există și [00:30:10] anumite... Nu toată lumea este eficientă când lucrează remote.[00:30:12] Olga Ursu: Da. Când ești antreprenor ești [00:30:15] nevoi să fii eficient. Așa este.[00:30:16] George Buhnici: Dar când ești angajat?[00:30:19] Olga Ursu: Acolo mai [00:30:20] merge să mai tragi mulția de coada haide că nu se prinde șeful că n-am lucrat [00:30:25] astăzi.[00:30:25] George Buhnici: Deci zici că tu n-ai primit bani din cerat să-i faci tu.[00:30:28] Olga Ursu: Da, dar nu-i [00:30:30] greu să faci bani dacă Păi este greu să faci bani.[00:30:32] Dacă muncești și îți propui să faci [00:30:35] bani adică dacă muncești pentru bani, e ușor în [00:30:40] România.[00:30:41] George Buhnici: Cum?[00:30:41] Olga Ursu: În 2005, știu că [00:30:45] când te angajai, salariile erau foarte mici. Eu... Mi [00:30:50] s-a părut că am avut un super noroc că am găsit un job super bine plătit ca broker, dar în general [00:30:55] colegii mei care au terminat facultatea câștigau super puțin erau atunci super la [00:31:00] modă job-urile în bănci pentru că erau bine plătite ce [00:31:05] înseamnă[00:31:05] George Buhnici: bine plătite?[00:31:06] cât era salariul în 2005? îți zic și eu salariul meu de la televiziune de pe [00:31:10] atunci eu[00:31:10] Olga Ursu: mi-aduc aminte, primul meu salariu a fost 1400 de lei și cred [00:31:15] că în bănci erau așa peste 1200 de lei încă [00:31:20] cred că denominarea în perioada aia a fost, nu mai știu dacă era un bani vechi sau un bani noi, dar [00:31:25] atâta eu[00:31:25] George Buhnici: am, spre exemplu eram corespondent special cu [00:31:30] 20 de milioane vechi 2000 de lei adică salariile au crescut un pic mai [00:31:35] târziu mai spre 2007-2008 și în perioada aia mulți am făcut credite și eu am făcut [00:31:40] credit am făcut două credite cu buletinul și m-am dus în Germania să-mi iau mașină și [00:31:45] mi-au luat mașină de toți banii Și după aici, ce crezi?[00:31:47] S-a stricat mașina.[00:31:48] Olga Ursu: Și nu mai aveai bani să [00:31:50] repari.[00:31:50] George Buhnici: Am mai făcut un credit. Wow. Acum eu mi luat mașină la mâna a doua, dar [00:31:55] la nivelul meu de venitori din perioada aia, ăsta era maximul posibil la care puteam [00:32:00] spera. Însă dacă pe vremea aia puneam banii pe index la bursă, [00:32:05] dacă cumpăram orice fel de acțiuni de la orice companie, orice, [00:32:10] orice, orice orice, acum aveam niște sute de mii de euro.[00:32:14] Eu[00:32:14] Olga Ursu: cred că ai fi [00:32:15] depășit acum un milion de euro dacă atunci începeai.[00:32:18] George Buhnici: Îți mai dau un exemplu. Am [00:32:20] mai făcut o prosie după aia. Mi-am plătit mașina și după aia mă și-am făcut un credit mai mare. Ca [00:32:25] să cumpăr teren. Am acum niște terenuri știi cum? Stau ele acolo frumos [00:32:30] cresc bălările pe ele.[00:32:30] Olga Ursu: Păi uite vezi, ai făcut o investiție.[00:32:32] Doar că nu a fost neapărat cea mai[00:32:34] George Buhnici: [00:32:35] potrivită[00:32:35] Olga Ursu: investiție. Dar te-ai gândit atunci Pentru ce ai cumpărat terenul?[00:32:39] George Buhnici: Pentru [00:32:40] investiție. Dar aceiași bani pe care, dacă îi băgam în bursă, cred că aveam mai mult de [00:32:45] un milion cum ai zis tu. Adică efectul ăsta de compounding al investițiilor pe [00:32:50] bursă m-ar fi adus la niște randamente care mi-ar fi depășit [00:32:55] de cel puțin 10 ori investiția inițială în 20 de ani.[00:32:57] Putem fi de acord?[00:32:59] Olga Ursu: Da, mai [00:33:00] ales dacă și știai ce faci dar nu-i... adică poți să începi fără să [00:33:05] ai mare experiență în domeniul să știi, dar să înveți pe parcurs.[00:33:09] George Buhnici: Acum [00:33:10] eu mă pot uita înapoi și în experiența mea pot să zic că am învățat ceva. Nu mă mai duc [00:33:15] după cea mai scumpă mașină pe care mi-o permit, deși am mai făcut niște mici extravaganțe cu mașini, [00:33:20] dar m-am mai domolit.[00:33:20] Adică acum conduc o mașină care în anul 4-lea an n-am mai schimbat-o, [00:33:25] n-am mai făcut investiții extravagante și sunt un pic mai atent [00:33:30] la bugetul devenitul și cheltul. Cu toate astea, trebuie să recunosc că nici eu nu am [00:33:35] reușit să-mi creez un capital de investiții pe bursă. Sunt totuși niște lecții de învățat [00:33:40] pe parcursul anilor și dacă m-aș uita înapoi, mi-aș spune.[00:33:44] [00:33:45] Dacă ai 20 de ani din bruma aia de bani în plus, chiar și la [00:33:50] 20 de milioane salariu 100, 2, 3 și așa mai departe hai să facem un plan [00:33:55] pe termen lung pentru cei care se uită la noi, cam care ar să fie o strategie corectă de a pune bani [00:34:00] pe bani pentru a nu te uita înapoi ca mine după 20 de ani și să zici dacă [00:34:05] aș făcut chestia asta Poți[00:34:06] Olga Ursu: să pornești cu o sumă mai mică la început poate n-ai un capital [00:34:10] foarte mare strâns și nici nu-i recomandat să începi, mai ales pe bursă [00:34:15] cu un capital mare deodată dacă nu ai experiență Piață sunt fluctuații, sunt și creșteri [00:34:20] foarte ample dar sunt și perioade când piața scade și atunci dacă tu ai o sumă [00:34:25] mare și prindi fix o perioadă din aia de scădere ce o să faci O te panichezi o să [00:34:30] vinzi o să zic nu mai cumpăr niciodată la bursă nu-i de mine nu mă pricep, gata, nu mă mai bag [00:34:35] dar dacă începi treptat ei Pe măsură ce banii ai, [00:34:40] vezi cum fluctuează în contul tău portofoliul tău fluctuează, crește scade, începi [00:34:45] să prinzi un pic cum merge bursa și începi să vezi ok, am [00:34:50] ales niște acțiuni, dacă le alegeam pe celelalte, au crescut mai mult, cum [00:34:55] aș putea să aleg mai bine acțiunile?[00:34:57] Și practic dobândești [00:35:00] experiență în timp ce investești, în timp ce crești și capitalul. După ce ai un [00:35:05] pic de încredere că faci bine ceea ce faci, începi să mai adaugi sume suplimentare.[00:35:09] George Buhnici: [00:35:10] Da, într-adevăr intri cu 1000, poate să scadă la 800, 700, 500 după care poate să [00:35:15] crească înapoi dar când faci zoom out după un timp o să vezi că am băgat 1000 și acum [00:35:20] totul sunt la 1500, poate la 2000, poate la 1100, dar cu siguranță [00:35:25] pe termen lung, nu ai cum să fii mai jos decât ai intrat, decât dacă chiar se întâmplă chestii catastrofale pe [00:35:30] termen lung.[00:35:30] Olga Ursu: Sunt investitori care s-aruncă foarte tare la început pentru că au sumă mică [00:35:35] și investesc în instrumente cu grad mare de risc[00:35:38] George Buhnici: nu[00:35:39] Olga Ursu: [00:35:40] neapărat de acțiuni, atât ai auzit, de Forex, CFD-uri, contracte pe diferență, [00:35:45] o felul de instrumente din astea financiare care sunt sintetice cu levier. [00:35:50] Adică tu nu tranzacționezi acțiunea Apple sau Nvidia, ci tranzacționezi [00:35:55] diferența creștere sau scădere pentru acele acțiuni.[00:36:00][00:36:00] Și asta n-ar fi o problemă în sine dacă n-ar fi cu levier multiplicat Adică [00:36:05] și aici poți să-ți iei credit pentru investiții, adică platforma [00:36:10] respectivă îți dă mai mulți bani pe lângă suma pe care o plăsat-o tu, să zicem 1000 de [00:36:15] euro, tu tranzacționezi de 10.000 de euro. Dacă au crescut cu [00:36:20] 5%, ai câștigat 50%.[00:36:22] Dacă au scăzut cu [00:36:25] 5%, ai pierdut jumătate din bani. Deci poți să pierzi dacă te [00:36:30] arunci și investești în instrumente riscante. Și mulți investitori fac asta. Investesc în [00:36:35] astfel de instrumente riscante pentru că vor un câștig rapid.[00:36:38] George Buhnici: Pentru că au bani puțin [00:36:40] la început și nu au răbdare să aștepte și zic hai mă pe mână, n-are cum să mai scadă [00:36:45] acum pornește în sfârșit.[00:36:47] Olga Ursu: Exact, ori îi fac, ori îi pierd, de tot cam așa [00:36:50] gândesc, totul sau nimic. Acum sunt și traderi să numesc, [00:36:55] oameni care știu ce fac, tranzacționează speculativ, [00:37:00] dar cei mai mulți n-au idee ce înseamnă riscul pe care [00:37:05] și-l asumă.[00:37:05] George Buhnici: Încă dată, marea majoritate, mai mult de 80% dacă nu greșesc din cei [00:37:10] care investesc în produse speculative, pierd banii.[00:37:14] Olga Ursu: Da, [00:37:15] se spunea mai demult regula 90-90-90, adică [00:37:20] 90% dintre investitori pierd 90% din capital în primele 90 de [00:37:25] zile tranzacționând produse cu levier.[00:37:27] George Buhnici: What? Asta este [00:37:30] un wipe-out, este un cataclism.[00:37:34] Olga Ursu: Da, asta s-a [00:37:35] întâmplat doar că... Investitorii tot speră. [00:37:40] Pierd niște bani, lasă că revină de câteva ori și o să le iasă după care [00:37:45] zic ok, am pierdut toți banii, bag alții nu contează și da, asta este gambling Dar[00:37:49] George Buhnici: [00:37:50] există acei 10% care câștigă?[00:37:52] Și toți visăm să fim aia 10% [00:37:55] Nu,[00:37:55] Olga Ursu: aia 10% nu câștigă Ei nu pierd 90% din capital [00:38:00] în 90 de zile[00:38:02] George Buhnici: Ei pierd în 91[00:38:04] Olga Ursu: [00:38:05] Foarte puțin nu știu ce între poate 1 și 3% sunt profitabil constant, [00:38:10] așa pe termen lung Deci[00:38:11] George Buhnici: ziceai că știi meseria asta de 20 de ani? Da,[00:38:13] Olga Ursu: din[00:38:13] George Buhnici: 2005 Ai [00:38:15] cunoscut pe cineva care s-a îmbogățit din Levier?[00:38:18] Și a păstrat banii?[00:38:19] Olga Ursu: [00:38:20] Da, n-a păstrat banii Am cunoscut pe cineva care s-a îmbogățit din Levier[00:38:24] George Buhnici: Îmi [00:38:25] povestești un pic, fără să dai nume[00:38:27] Olga Ursu: În criza din 2008 [00:38:30] Au fost absolut șoc pe toate piețele. Pe bursa [00:38:35] românească nu mai pusese așa o scădere niciodată. Aveam un profesor la universitate, era economist [00:38:40] șef la o bancă importantă și îmi zicea că el nu mai vede piața românească revenind [00:38:45] vreodată în 2009.[00:38:46] Atât de neagră era situația. Era un [00:38:50] pesimism în piață de... Efectiv nimeni nu mai avea încredere. Investitorii să [00:38:55] nu mai au de bursă lasă acțiunile alea în pierdere, o să le las [00:39:00] mușterile la nepoți, că copiii nu o apuce să prindă [00:39:05] revenirea Cam așa era sentimentul în piață.[00:39:07] George Buhnici: Așa-i acum pe BVB. [00:39:10] Parcă nu ne mai revenim.[00:39:11] Așa anyway, continuă.[00:39:12] Olga Ursu: Atunci în America, [00:39:15] a căzut banca Lehman Brothers, a făcut faliment, dar înainte de [00:39:20] asta, piața cădea și... [00:39:25] Aveam un coleg, broker, de la o altă societate de brocheraj, [00:39:30] care tranzacţiona opţiuni, care sunt tot [00:39:35] contracte derivate, prin care şi asigura un preţ de [00:39:40] vânzare stabilit şi dacă preţul acţiunilor scădea, [00:39:45] practic el vindea la preţul ăla ridicat şi [00:39:50] putea să le cumpere din piaţă mult mai ieftin.[00:39:52] Ei, el pătea foarte puţin pe [00:39:55] asigurările respective, pe opţiuni, ca o primă exact ca la o [00:40:00] poliţă de asigurări, dar era despăgubit cu toată suma toată căderea respectivă şi [00:40:05] levierea era imens. Ţi-mi minte că mi-a povestit că a făcut undeva la [00:40:10] 600.000 de dolari pornind de la 10.000.[00:40:12] George Buhnici: 60X Da. Da [00:40:15] Ok. Ce levier avea 10?[00:40:17] Olga Ursu: Aici la opțiuni levierul e mult mai [00:40:20] mare, dar riscul nu e la fel de mare. Adică, la opțiuni plătești o primă, e sumă limitată, nu [00:40:25] poți să pierzi mai mult decât prima plătită, dar poți să câștigi de sute de ori.[00:40:29] George Buhnici: [00:40:30] Ok. Și era câștigat de 60 de ori sumă investită.[00:40:32] Olga Ursu: Pentru tot capitalul nu a avut un [00:40:35] singur instrument de genul ăsta Au avut mai multe acțiuni, inclusiv au avut opțiuni pe Lehman Brothers.[00:40:39] Și,[00:40:39] George Buhnici: [00:40:40] practic, din căderea Lehman Brothers, el a făcut foarte mulți bani.[00:40:42] Olga Ursu: Da.[00:40:43] George Buhnici: Ce-a făcut cu banii?[00:40:44] Olga Ursu: [00:40:45] Nu știu povestea mai departe dar știu că după scăderea pieței, adică în [00:40:50] 2009, când bursa a început să-și revină, strategia asta, care a funcționat perfect [00:40:55] pe scădere, nu mai avea cum să funcționeze. Și atunci a tot mai testat [00:41:00] strategii, gândindu-se că e chiar bună în ceea ce face să pricepe la [00:41:05] trading.[00:41:05] Și așa e și capcana investitorilor care Pe bursă când crește bursa sunt foarte bun la [00:41:10] ce fac, dar când se schimbă trendul, atunci practic trebuie să te adaptezi ca investitor și el, ca [00:41:15] trader, din ce mi-a povestit nu au reușit să se adapteze, să-și [00:41:20] adapteze strategia. Au testat alte strategii, n-au mai fost la fel de profitabile și [00:41:25] știu că au renunțat să mai tranzacționeze opțiuni în felul ăsta, speculativ.[00:41:29] [00:41:30] Dar, atunci mi-a rămas mie ideea în minte că în următoarea [00:41:35] criză financiară vreau să tranzacționez și eu opțiuni. Așa m-am gândit după ce am vorbit cu el și am [00:41:40] zis că în următoarea, când o să vină o să fiu pregătit, o să am bani și o să fac [00:41:45] același lucru. Am trecut 10 ani. [00:41:50] În 2019 mi-am dorit să Dacă [00:41:55] vine o scădere și mă pregăteam pentru o scădere a bursei, să pot să tranzacționez și opțiuni.[00:42:00][00:42:00] Mi-am dat demisia de la BRD pentru că e foarte greu să tranzacționezi pe [00:42:05] compropriu fiind angajat într-o instituție financiară. Ai nevoie de tot felul [00:42:10] de aprobări, raportezi toate tranzacțiile. Și în 2019 [00:42:15] mă gândeam eu că ar putea să vină o criză. Burza a crescut de foarte mult [00:42:20] timp și am zis că la un moment dat o să vină.[00:42:23] Și zic ok, când o [00:42:25] să vină o să fiu pregătită. Și au venit într-adevăr nu m-am așteptat, e că nu [00:42:30] trebuie să știm în 2019 că o să vină în 2020 și că o să avem pandemie. [00:42:35] Dar a fost primul moment în care am testat și opțiunile pe scădere. [00:42:40] Și într-adevăr poți să câștigi foarte mulți bani în timp scurt, [00:42:45] n-am transacționat nici într-un caz o sumă foarte mare și [00:42:50] nici n-am făcut la fel de mulți bani ca el, oricum scăderea a fost mult mai [00:42:55] scurtă în pandemie, dar atunci am văzut cât bine funcționează instrumentele [00:43:00] astea pe cădere, pe panică când e volatilitatea ridicată.[00:43:03] Și mai [00:43:05] departe mi-am dat seama că dacă investitorii care eu am lucrat de-a lungul timpului ar avea acces la astfel de [00:43:10] instrumente, nu să speculeze să parieze pe scădere, ci să-și protejeze [00:43:15] portofoliile în astfel de momente, nu le-ar mai fi teamă să [00:43:20] investească. Și m-am apucat și am gândit eu un [00:43:25] curs.[00:43:26] Pentru investitori cum să-și gestioneze [00:43:30] riscul cu ajutorul opțiunilor. A fost primul program pe care l-am făcut eu pentru [00:43:35] investitor. Aveam foarte puțin că era super, super nișat, mult prea [00:43:40] un nivel foarte ridicat. Era nevoie și de experiență [00:43:45] și de capital, și de cunoștințe. Dar, a [00:43:50] fost debutul meu, ca să zic așa, în partea asta de educație financiară pentru investitori Am pornit de la care [00:43:55] credeam eu că e nevoie atunci Și...[00:43:59] De atunci fac [00:44:00] lucrul ăsta.[00:44:00] George Buhnici: Practic e ca un fel de poliță de asigurare în cazul în care, exact cum ai zis tu, cade piața. Problema este [00:44:05] că, dintre cei care ne urmăresc, cred că sunt procente mici care înțeleg cum funcționează lucrul ăsta și cei mai mulți [00:44:10] suntem în capcana asta. Ori trăim de la un salar la altul, ori investim un capital în [00:44:15] imobiliare, ori investim ceva în bursă ori investim...[00:44:18] Iar lecția cea mai [00:44:20] importantă cu care am rămas în minte din tot ce am citit, pe exemplu, de Nassim Taleb este că în viața unui [00:44:25] trader nu există decât un singur obiectiv realist. Don't blow up. [00:44:30] Să nu explodezi. Nu? Că asta este sperietarea cea mai mare între trader, mai ales cei [00:44:35] care, exact cum ai zis tu sunt pe opțiuni pe tot felul de instrumente derivate.[00:44:39] Să nu [00:44:40] cumva să-ți pierzi capitalul al tău și al clienților. E[00:44:43] Olga Ursu: foarte mare riscul să-ți pierzi capitalul ca [00:44:45] trader. De asta eu nu fac trading. [00:44:50] Am testat, mi-am dat seama că nu este pentru mine. Nu În nivelul [00:44:55] la care trebuie să fii implicat[00:44:56] George Buhnici: Dar nu prea aud oameni care să zică că eu sunt [00:45:00] trader și asta este viața mea.[00:45:02] Adică înțeleg că este o perioadă scurtă în care ce mai mulți fac [00:45:05] trading.[00:45:05] Olga Ursu: Sunt oameni care fac asta de mulți ani. [00:45:10] Și continuă și tot încearcă și tot încearcă. Și te întreb ok, [00:45:15] și dacă tot stai atât timp cu nasul în monitoare, că asta [00:45:20] înseamnă să fii trader. Faci ceva bani merită [00:45:25] Cei mai mulți nu reușesc să justifice orele [00:45:30] alea petrecute în fața ecranului.[00:45:33] Adică dacă ar dacă [00:45:35] ar dacă ar face banii altfel ar face mai mulți decât fac din [00:45:40] trading. Pentru că știi care e problema cu [00:45:45] tradingul și de asta nu recomand investitorilor să înceapă cu trading. [00:45:50] Sincer nici nu e o metodă de a face avere din trading, adică oricum foarte puțin reușesc, [00:45:55] dar de ce nu recomand este că nu o să-ți crești valoarea portofolului în timp.[00:45:59] [00:46:00] Pentru că valoarea portofolului, cum vorbeam mai devreme, te-o crești și din randamentele pe care ți le [00:46:05] produce investiția, dar și din aport de capital nou. Dar dacă [00:46:10] investești într-un fel foarte riscant, cum e tradingul, [00:46:15] nu o să te lase inima să pui capital nou, tot să [00:46:20] riști, tot timpul să riști banii. O să ai o sumă și o [00:46:25] tragi de ei să încerci să faci bani din ea, o să te focusezi pe asta, în loc să te focusezi O focusezi [00:46:30] pe creșterea portofolului, pe creșterea venitului și să acumulezi în timp [00:46:35] capital în portofoliu tău.[00:46:36] Deci cei care încep cu trading-ul rămân la un nivel mic. [00:46:40] Al portofolului pentru o perioadă lungi până să prind că, de fapt, stai un pic. [00:46:45] Am petrecut atât de mult timp [00:46:50] cu nasul în ecrane, tranzacțiuni, m-am stresat atât de mult și, de fapt cât am [00:46:55] făcut? Merită asta? În cele mai multe cazuri, răspunsul este nu.[00:46:59] George Buhnici: Foarte [00:47:00] interesant pentru că mulți ne imaginăm că poți să mulțești banii La asta ne gândim. [00:47:05] Dar, de fapt, în esență, dacă dai un pic de zoom out, este încercând să mulțești [00:47:10] banii, de fapt nu reușești să creezi valoare.[00:47:12] Olga Ursu: De fapt ți scade încrederea [00:47:15] că tu poți să produci valoare. Pentru că dacă nu ai rezultate acolo în [00:47:20] trading sau ai rezultate modeste comparative cu riscul la care te [00:47:25] expui, ok, nu merită să dau capital nou, nu merită să [00:47:30] muncezi să aduc capital nou și să-i pierd.[00:47:33] George Buhnici: Și[00:47:33] Olga Ursu: o să [00:47:35] rămână tot timpul la un nivel... Scăzut al portofolului. Când [00:47:40] focus-ul ar trebui să crește în portofoliu, prin aport de numerar, prin creșterea [00:47:45] prin randamentul pe care îl aduce portofoliu, dar nu doar din randament, adică nu poți să începi cu 1000 de [00:47:50] euro și să speri să faci un milion. Să întâmplă nu [00:47:55] cu 1000 de euro, dar să întâmplă 0,00 nu știu cât ca la [00:48:00] loto.[00:48:00] Sau ca în[00:48:01] George Buhnici: eSports, că sunt foarte mulți copii care își imaginează că se [00:48:05] pot apuca de eSports și să ajungă campion și să împartă premiile alea de milioane. [00:48:10] Că sunt tot felul de campionate internaționale la care, mamă ce premii se dau. Ok, da, dar acolo [00:48:15] cum să zic, short tail-ul este foarte short. Adică ce înseamnă asta?[00:48:19] Cei care [00:48:20] chiar câștigă bani sunt foarte puțini în dauna celor mai mulți, marea majoritate [00:48:25] care cheltuiesc bani și timp energie într-o chestie în care nu vor câștiga niciodată. [00:48:30][00:48:30] Olga Ursu: Cam așa e și în trading, dacă de să ne gândim și să fim sinceri[00:48:34] George Buhnici: Și atunci [00:48:35] cum creăm valoare? Hai să ne concentrăm un pic pe chestia asta.[00:48:38] Cum facem până la urmă? Așadar tu [00:48:40] vorbești despre faptul că ar trebui să-ți creezi un portofoliu și să-ți adaugi capital. Asta înseamnă că [00:48:45] trebuie să fii productiv în alte părți decât în bursă? Da trebuie[00:48:47] Olga Ursu: să faci bani în alte părți, în activitatea la care te [00:48:50] precepti tu cel mai bine, care te-ai pregătit atât și o să produci [00:48:55] valoare.[00:48:56] George Buhnici: Deci tu nu ne propui să ne îmbogățim pe bursă. [00:49:00] Trebuie ne îmbogățim din bursă aducând valoare, capital în alte [00:49:05] părți? Da, ne[00:49:06] Olga Ursu: îmbogățești treptat pe bursă nu din primă Ai investit o sumă și [00:49:10] gata. Nu[00:49:10] George Buhnici: e o idee bună să puni acolo 1000 de euro și să-i lazi 10 ani pe bursă?[00:49:14] Olga Ursu: [00:49:15] Sunt extrem de rare cazurile în care îmi merești o acțiune care chiar să crească [00:49:20] timp de 10 ani.[00:49:23] Sunt, într-adevăr [00:49:25] companii super valoroase și acum dacă ne uităm în urmă, în ultimii 10 ani au crescut spectacolul Dar dacă [00:49:30] te-ai fi dus acum 10 ani, s-ar putea să nu le fii ales pe acelea în portofoliu.[00:49:34] George Buhnici: Acum 10 ani [00:49:35] cred că încă mai puteai să pui pe Blackberry, pe Nokia, pe Xerox, Kodak.[00:49:39] Olga Ursu: Da, [00:49:40] acum ceva mai mulți ani, da, și acum nu mai aveai.[00:49:44] [00:49:45] Și n-ai fi pus, acum 10 ani n-ai fi investit în Nvidia, eu cel [00:49:50] puțin nu știam compania. Abia din [00:49:55] 2019-2020 am remarcat-o și o deveni [00:50:00] populară în ultimii 2 ani, 2 ani și un pic.[00:50:02] George Buhnici: Ce alte companii mai sunt populare în perioada asta? La ce te [00:50:05] mai uiți când vine vorba de investiții pe termen lung? Eu m-am uitat, pe exemplu [00:50:10] și să zicem că sunt încă unul dintre cei care poate au ratat Nvidia.[00:50:13] Avem alte priorități oricum. [00:50:15] Eu chiar am vizitat compania și știam de ce este în stare, dar chiar și atunci când ești foarte aproape și [00:50:20] vezi o astfel de companie și vezi de ce este în stare, nu te gândești că ai putea să-i și investești. [00:50:25] Însă în 2025, la ce fel de industrie te uiți, pe exemplu pentru [00:50:30] viitor?[00:50:30] Olga Ursu: Venim după 2 ani de creștere Pe sectorul tehnologic În continuare [00:50:35] există potențial, dar pe de altă parte sunt și multe [00:50:40] companii care au ajuns să fie evaluate foarte sus și am putea să avem o [00:50:45] corecție mai drastică în sectorul ăsta. De fapt pe piață am putea să avem o corecție [00:50:50] mai amplă. Deja am început odată cu tarifele [00:50:55] și cu îngrijurile cu privire la inflație și la creșterea [00:51:00] economică din SUA și la tot spectacolul ăsta geopolitic la care investitorii se [00:51:05] uită cum să se repoziționeze.[00:51:07] Așa că chiar e o perioadă de [00:51:10] repoziționare și în care n-ar trebui să ne aruncăm foarte repede să [00:51:15] vedem în ce plasăm banii.[00:51:17] George Buhnici: În momentul în care a depus opțiunea, de care ziceai tu? [00:51:20][00:51:20] Olga Ursu: Ar putea fi, sunt investitori care fac, din motivul ăsta indicele de volatilitate VIX [00:51:25] a crescut în ultima săptămână. Există loc de [00:51:30] scădere Poate chiar mai mult, adică probabilitatea ca piața să mai [00:51:35] scade e mai mare decât să continuă să crească.[00:51:36] Sau cel puțin e greu de [00:51:40] crezut că o mai crească în ritmul în care a crescut în ultimii doi ani. Acțiunile din Statele [00:51:45] Unite au tot scăzut în ultima săptămână. De fapt în ultima lună am avut o [00:51:50] scădere. Noi înregistrăm pe[00:51:50] George Buhnici: început de martie 2025, pentru că astea vor rămâne multă vreme Acolo se aibă oamenii [00:51:55] context.[00:51:55] Olga Ursu: Da. În schimb în Europa, bursele au crescut în [00:52:00] ultima lună și de la începutul anului au fost creșteri de peste 10%. Sectorul de [00:52:05] apărare din Europa au crescut foarte mult. [00:52:10] Companiile producătoare de armament au crescut explosiv de la începutul [00:52:15] anului. Oricum crescuse răși înainte, dar aici văd că [00:52:20] investitorii se repoziționează puternic.[00:52:21] George Buhnici: Abia a anunțat Ursula von der Leyen 800 de [00:52:25] miliarde pentru rearmarea Europei banii. Unde se vor duce În companiile alea.[00:52:28] Olga Ursu: Exact. Asta se [00:52:30] întâmplă pe piață și cum poți să-ți dai seama care companii și care sectoare ar putea să performeze [00:52:35] fix în cele în care intră banii și sunt și declarații pe care putem să [00:52:40] le urmărim și să intuim pe de altă parte este și foarte vizibil dacă te uiți în [00:52:45] acțiuni și pe anumite sectoare pe piață poți să-ți dai seama când intră bani într-un anumit [00:52:50] sector, într-o anumită companie, când ies bani din sectorul respectiv [00:52:55] și asta mișcă prețurile în sus și dacă e să ne uităm la piața din Statele Unite în sectorul [00:53:00] tehnologic au fost mai degrabă scăderi de la începutul anului Dar[00:53:03] George Buhnici: vine recesiunea America?[00:53:04] Olga Ursu: [00:53:05] Până vine, investitorii se poziționează întâi să sperie și apoi vine recesiunea dacă vine. [00:53:10] Sunt foarte multe momente în care investitorii se sperie și zic că anticepează vine recesiunea și apoi nu mai vine [00:53:15] recesiunea[00:53:15] George Buhnici: Dar eu aud un scenariu în care se pare că Donald Trump ar vrea să-i inducă o [00:53:20] recesiune care să reseteze economia pentru că încă de vreme în mandatul lui [00:53:25] vede problemele de deficit Și o recesiune l-ar ajuta să [00:53:30] dea drumul la imprimantaie mai repede.[00:53:32] Olga Ursu: Ar putea fi. Nu știu, nu m-am gândit [00:53:35] așa de... Ar fi așa de... [00:53:40] să fie creată o recesiune, dar prin măsurile pe care le ia [00:53:45] poate să împinge de economia americană Altfel[00:53:47] George Buhnici: de ce ai băgat tarife atât de dure [00:53:50] partenerilor, care până la urmă sunt plătite de cetățenii americani și nu sunt plătite de producători? [00:53:55][00:53:55] Olga Ursu: Da, investitorii americani acum își pun problema dacă [00:54:00] dacă lucrurile astea se întâmplă ce o să întâmple cu...[00:54:04] [00:54:05] adică ce o să întâmple cu inflația, ce o să întâmple cu dobânzile. Au crescut [00:54:10] din nou randamentul la titlurile americane, pe 10 ani, iarăși în creștere, [00:54:15] deși au fost eforturi mari din partea Fedului să scadă [00:54:20] ratele de dobândă și au fost... Câteva tăieri, un procent [00:54:25] din septembrie anul trecut acum din ce în ce mai puțin probabil să mai scadă [00:54:30] dobânzile și în piață să vede o tendință de creștere de dobânzi Deci[00:54:34] George Buhnici: practic [00:54:35] dacă economia americană se duce în direcția asta, investitorii pot să [00:54:40] zică bă nu știu, fac europenii ceva interesant acolo, sau trebuie să vreau să mont banii?[00:54:44] Să [00:54:45] întâmplă în[00:54:45] Olga Ursu: ultimii 10 ani a fost invers adică banii investitorilor europeni [00:54:50] s-au îndreptat mai degrabă sau banii investitorilor au ieșit din Europa s-au îndreptat [00:54:55] mai mult către Statele Unite[00:54:56] George Buhnici: Mergea atât de bine bursa era inevitabil, nu? [00:55:00] S-au făcut foarte mulți bani din bursa americană[00:55:01] Olga Ursu: Da, și în continuare este foarte mare potențial în piața [00:55:05] americană e cea mai mare piață de capital De-aia[00:55:09] George Buhnici: vorbim [00:55:10] atât de mult de America aici Da,[00:55:11] Olga Ursu: la nivel global e cea mai mare bursă sunt cele mai multe [00:55:15] oportunități Dacă la un moment dat piața americană [00:55:20] Devine iarăși atractivă iarăși să mută banii.[00:55:24] Acum este [00:55:25] atractivă este foarte mult potențial de creștere, doar că sunt momente în care se mai [00:55:30] reașează piața și asta poate să fie un astfel de moment.[00:55:33] George Buhnici: De unde zici tu că este acest [00:55:35] mare potențial de creștere? Pentru că încă o dată a tot crescut. Dacă ne uităm pe graficul de pe [00:55:40] bursa S&P și toate astea, se tot duce în sus, în sus, în sus.[00:55:43] La un moment dat trebuie să mai și [00:55:45] corecteze, nu? Da.[00:55:46] Olga Ursu: De ce se duce bursa în sus? Tocmai pentru că există acest [00:55:50] pote

Sluts and surprises.Based on a post by Ostrich Mack. Listen to the ► Podcast at Steamy Stories.Peter is summoned for sex.It was 11 o clock on a Wednesday when Peter got the WhatsApp.A photo of a thong, pushed slightly to the side to reveal a neatly trimmed cunt, and the text."We need a real cock."Peter laughed. "Jeez Lucy, you don't mince your words." He replied."Come quickly, but don't cum quickly. Mark is away and your service is needed.""Pun intended with a smiley face."Peter and Lucy had been fuck-buddies for several years and had enjoyed some great adventures sexually. They were eminently compatible but had no intentions for a permanent relationship. When Lucy's husband Mark was away, she would contact Peter, and they generally ended up in bed together.In the past they had also shared with other friends who would either visit Lucy, or who came from the town where they both lived.Peter sighed and decided that as he had a free day from work that he would head towards Lucy's house."What a cheek using the royal "we", he thought. But really, he was laughing about it all.Lucy and Peter had an arrangement for when Peter would visit her at home. He would go into a side street next to her house and use the entrance to her garden. This way he would be out of view from the nosy neighbors. It paid to be discreet in such a small town.Peter entered the garden, closing the gate quietly behind him, and walked up to the patio doors which were slightly open. He stopped and looked inside. Lucy was inside leaning over the kitchen counter with her back to him, obviously engrossed in something on her tablet. Peter noticed that she also had air pods in her ears, and she swayed her ass to the rhythm of the music on her tablet.Peter knew that her petite frame was perfectly proportioned, with small firm tits with nipples standing out like bullets when they were teased. Her hips curved gently out from a narrow waist, framing a perfect cunt. Her pubic hair was neatly trimmed. She had an athletic body and perfect legs.Peter walked stealthily behind her and slipped his hand under the long t-shirt she had on. As was her wont, Lucy had no panties on."Hmm." groaned Lucy without looking round. "I didn't expect you back so soon."Peter was puzzled. "Back so soon?" he thought. "That's an odd thing to say."Feeling that Lucy's cunt already slick was, Peter slipped a finger inside her. "Oh, nice," said Lucy, still not turning around. She pushed against Peter's finger.Peter's cock was already hard, and he decided to free it from the confines of his jeans. It sprung out and Peter didn't hesitate to slip it between Lucy's outer lips.Lucy froze. She turned her head and saw to her shock Peter standing behind her. She went to say something, but Peter covered her mouth with his hand. Lucy looked completely confused at the situation, but slowly recovered her composure.Without a word from either Peter slipped his cock in Lucy's love channel all the way in until his balls were resting on Lucy's ass. They stood like that for a couple of seconds.Lucy turned her head back toward the counter and pushed herself back against Peter.Peter withdrew slightly and started to rock backwards and forwards in a gentle rhythm. Lucy didn't utter a word, but gently purred her pleasure with "Umm, Hmm, Hmm." In time to the movement.Peter closed his eyes. Lucy's cunt walls were milking his cock as if it was the first time she had fucked like this.They kept the rhythm going for minutes, both with their eyes closed, both gently making love, enjoying the penetration and the feeling of being filled with Peter's fat cock.Out of nowhere, Peter felt a hand on his ball sack, gently massaging his balls. And then a tongue licking his cock as it sawed in and out of Lucy's dripping cunt.Peter looked down and to his surprise he saw Alison, Lucy's friend with whom they had shared earlier erotic adventures, on her knees under Lucy's body. Her hands were on Lucy's thighs, and she was eating at Lucy's cunt and caressing Peter's balls at the same time.Still no words were spoken. "Wow, that is hot!" thought Peter. He gradually increased the pace and depth of his strokes, withdrawing almost completely, before gently pushing back into Lucy until he bottomed out.Lucy's breathing was becoming shallower and more rapid as she enjoyed the sensation of Peter's cock filling her up and withdrawing again and again.Alison found Lucy's clit and began to lick furiously at it. She trapped that nub between her lips and teased it with her tongue. Alison's free hand was rubbing her own love bud to a crescendo.Finally, Lucy spoke. "Oh fuck, oh fuck, it's coming. I'm coming, don't stop please!"Alison too was on the verge and panting furiously as she whipped herself to a climax.Then Lucy collapsed on the counter. She pushed her ass back onto Peter as if she wanted him even deeper in her. Gasping for air, her whole body was trembling from the orgasm that washed over her like a pleasure wave.Peter was still rock hard and not even close to coming. He held his cock in Lucy's cunt until she started to come down from her high.He withdrew his cock from her, only to be met with Lucy's sad eyes missing that feeling of being utterly filled by him.Alison got to her feet and went to sit on the sofa so that she could bring herself to the peak. Lucy went to sit on one side of her and Peter on the other.Peter took hold of Alison's hands and prevented her from making herself come. Alison pleaded."Please Peter, I am so close."Peter shook his head. "No Alison, that's why we're here."Lucy traced her finger over Alison's blouse, opening the buttons as she progressed downwards. When it was completely open, she leaned in and took Alison's right nipple in her mouth, biting it gently.Alison jumped from the electric shock that spread over her whole body.Peter then leaned in and did the same to Alison's left nipple, letting go of Alison's hands.Alison placed her hands above her head and leaned back, pushing her beautiful tits up and out. Her nipples were standing erect like bullets.A red glow spread along her neck and over her chest as she began to squirm under the attention of her two lovers.Lucy's hand slid down to Alison's naked cunt, and she inserted a finger between her folds.Alison groaned in approval.Peter's hand slipped downwards too and found Alison's clit. He massaged it in gentle circles. All this time both Lucy and Peter were licking and biting Alison's nipples.This was driving Alison crazy with lust. She lifted her hips off the sofa to try and get more pressure from the hands massaging her.Lucy slipped a second finger inside and increased the pressure and pace.Alison's mouth formed an "O", but no sound came out.Peter rubbed faster and harder and the effect could be seen and heard from Alison's breathing."Oh yes, oh yes, oh yes." She gasped. Her legs stiffened and she clenched her teeth, her breath hissing from her mouth like air escaping from a punctured tire. Alison began to spasm as her orgasm crashed through her, but Lucy and Peter didn't stop. They continued their assault on her nipples and cunt as Alison shook and trembled.Alison's eyes rolled upward in her head, and it seemed as if she was gone into a trance, feeling only the crazy sensations racking her body.Then she began to shake violently, crying, barking out "Ah! Ah! Ah!" as tears rolled down her cheeks."Stop! I can't take any more." She cried out.Peter leaned in and kissed Alison on the lips and said, "You're welcome sweetie."Lucy kissed Alison too. Then she leaned across Alison and kissed Peter passionately saying ""Hello lover. What a delightful surprise."Peter smiled. "I thought I had been summoned by the Royal "We". He laughed. "Didn't expect that there would be two of you."Lucy smiled back. "Well, I certainly didn't expect to be taken from behind by surprise, as Alison had gone to unpack, and I thought that she was fingering me. How nice it was to have your magnificent cock inside me once again."Alison had somewhat recovered. "And imagine my surprise to come downstairs to find Peter balls deep inside you, whilst you were bent over the counter. I just couldn't resist.""Well," said Lucy. "We have the house to ourselves. Mark is on a trip and Katie has a hockey game this evening and won't be back until very late. I would suggest you get comfortable, and we can have some fun."Katie, Lucy and Mark's daughter was now twenty years old and had the looks of her mother. She was taller though having inherited that from her father. She was an avid hockey player and had enjoyed some success in the regional leagues."Great idea." Said Alison. "Peter, it's so good to see you again. The last time we met was great fun. Remember?"Peter remembered all too well. Alison had been visiting and they met on a walk. After taking shelter at Lucy's from a torrential rain shower, some fun and games had been had, ending up with Peter giving Alison a good spanking and a good fucking. Finally, Peter ended in bed with both Lucy and Alison. Great memories indeed."So, what's the plan? "Peter asked. His cock was still hard and precum was leaking from its bulbous head."Well, we need to take care of that first." Alison answered."I am going to clean up and prepare something to eat. "Said Lucy. "You guys have fun."Alison smiled. She beckoned Peter with her finger to come closer. Peter shifted a little toward her."So, what can I do for your soldier there? "Alison asked.Peter smiled. "Knock yourself out sweetie "I'm up for anything."Alison stood and faced Peter as he sat on the sofa, his cock standing straight up.She straddled Peter's thighs and lowered herself onto his awaiting shaft."Oh, I'm still a bit sore," she said as Peter's cock entered her."Go gently then." Peter said.Alison slid slowly downwards until Peter was fully inside her. She stopped to enjoy the feeling of this fat cock filling her up like never before. Her juices were flowing again, and she was leaking over Peter's balls and thighs.Alison rocked gently back and forth getting used to Peter's size, He wasn't more than average length, but the girth of his shaft was impressive.Alison's lips were stretched to the limit, and they massaged Peter's cock with every movement.The soreness that had been before made way for a warm satisfying fullness.Alison raised herself and gently let herself fall again. The friction made her incredibly aroused. Peter too was feeling his balls get tighter and tighter as Alison accelerated her movements.Alison slowed down again. Peter felt slightly frustrated as he had been building to the point of no return."We want to enjoy this and make it last a little longer." Alison said.Peter grunted. He was lost in the feeling, craving release.Alison started to increase both the depth and frequency of her movement. This time Peter bucked himself upwards to meet her downward stroke and slammed himself into her. Peter felt his cum rising. His balls became tighter, and he was determined to reach his climax now.Just as he was about to blow his load, Alison raised herself until only the head of Peter's cock was inside her. Some very tiny movements upward and downward, massaging the head of Peter's cock, drove him crazy.His cock twitched as he spurted his first load on cum into Alison.She slammed herself on to Peter until he was fully inside her. He was still coming, and Alison wanted to get him as deep as possible inside."That's it Peter. Fill me up. Oh, what a fantastic cock you have. Later I want it in my ass."Peter was shocked. He had never done anal before.However, Alison's dirty talk made him come even harder. He was soon empty but didn't want to withdraw from the warm sensuous pocket that was Alison's cunt.

Some of us go to church weekly, and I mean weekly with out fail. Almost "religiously"! (Pun intended)But do we know why? For what reason do we go to church? Is there a Biblical reason to meet with like minded people each and every week and sometimes more than once in a week? Robert and Andrew find the answers to these questions while reading from Ephesians 4:1-16Ephesians 3:1-12Colossians 1:18-29Support the showQuestions or Comments? Please reach out to us through email at questions@truewisdom.info or on twitter @truewisdom_podGive instruction to a wise man, and he will be yet wiser: teach a just man, and he will increase in learning. The fear of the Lord is the beginning of wisdom: and the knowledge of the holy is understanding. Proverbs 9:9-10We encourage you to download our primary Bible Study resource called "The Key Principles of Effective Bible Study" from http://bit.ly/17vs3LU, and listen to the associated explanatory podcasts that Andrew has provided at https://BibleStudy.asbzone.com/357512/8572886.God's Precious Word is a condensed, 9-part series, based on the same document.We pray that this resource will be very helpful to you in your Bible Studies overall.

Please welcome James Tejani on the show.We're talking about his book A Machine to Move Ocean and Earth:The Making of the Port of Los Angeles and America.Published last year with WW Norton and Company.Let's find out more about the San Pedro Bay and how it transformed into one of the most imPORTant locations in the world. Pun intended.What was the significance of this spot, why was it chosen, how did it develop? Which of America's famous sons were behind it? By the end of the episode we'll also find out if Edward Ord, a pivotal character in this book, was a grandson of Prince Regent, i.e. George IV. But we're getting ahead of ourselves…Welcome, James! Find James:https://jamestejani.com/Get James' Book:https://wwnorton.com/books/9781324093558https://www.barnesandnoble.com/w/a-machine-to-move-ocean-and-earth-james-tejani/1144065520https://bookshop.org/p/books/a-machine-to-move-ocean-and-earth-the-making-of-the-port-of-los-angeles-and-america-james-tejani/20615589?ean=9781324093565&digital=thttps://books.apple.com/us/book/a-machine-to-move-ocean-and-earth-the-making/id6467292818 (USA)http://bit.ly/41NSVaE (UK)Get Catherine's Books on the Georgians:Georgian Kings: https://www.pen-and-sword.co.uk/Kings-of-Georgian-Britain-Hardback/p/12904/aid/1238 Wives of Prince Regent: https://www.pen-and-sword.co.uk/The-Wives-of-George-IV-Hardback/p/20127/aid/1238 Life in the Georgian Court: https://www.pen-and-sword.co.uk/Life-in-the-Georgian-Court-Hardback/p/12109/aid/1238 For more history fodder please visit https://www.ifitaintbaroquepodcast.art/ and https://www.reignoflondon.com/Join Natalie on her London Walking Tour Tudors to Windsors:https://www.getyourguide.com/london-l57/royal-london-from-tudors-stuarts-to-windsors-walking-tour-t481355/?ranking_uuid=b140b9f7-5b9a-4f24-a398-43be9b622724 Get bonus content on Patreon Hosted on Acast. See acast.com/privacy for more information.

It's All Been Done Radio Hour #515  Privates #18 "The Wire"     Jake goes into the lion's den, and Wayne is not happy because someone's been lyin'. Also, a shocking betrayal!    Visit our website http://iabdpresents.com Script books, clothing, and more at https://amzn.to/3km2TLm Please support us at http://patreon.com/IABD   Find more from It's All Been Done Radio Hour here: Instagram: https://www.instagram.com/iabdpresents/ TikTok: https://www.tiktok.com/@iabdpresents   A comedy radio show originally performed Saturday, February 10, 2024, at Boxland in Columbus, Ohio.     STARRING Keith Jackson as Detective Jake Cotton  Shane Stefanchik as Frank Berry  Kristin Green as Dame Judy Bench  Chase McCants as Wayne Bench  Megan Overholt as Mary-Louise Gardner  with Samantha Stark as Dame Cordelia Bench  GUEST STARRING  Nathan Haley as Louie  Sam Clements as Willie Rawls  Beth Muir as Director Daniels    Narrated by Darren Esler  Foley Artist Megan Overholt  Podcast edited by Trulie Awesome Productions     It's All Been Done Radio Hour created and produced by Jerome Wetzel  Written by Jerome Wetzel Directed by Kristin Green  Music Director Kristin Green  Theme Songs composed by Nathan Haley, with lyrics by Jerome Wetzel  Technical Director Shane Stefanchik   When you post about us, hashtag #IABD   #youtuberadioplays #bestyoutubepodcastchannels  

This week, on episode 495, I'm talking with Will Schafer, founder of Altisnooze. The First-of-its-kind sleep aid for high-altitude. After struggling for years with sleeping during alpine adventures, Schafer came to learn from a sleep doctor that altitude insomnia is a thing. He connected with formulation experts to develop a natural solution, ALTISNOOZE. Facebook   Twitter   Instagram Love the show? Subscribe,  rate, review, and share! Sign up for my Newsletter  HERE I'd love to hear your feedback about the show! You can contact me here:  rick@theoutdoorbizpodcast.com What Happened: For years, I chalked up my awful sleep in the mountains to bad luck. Every time I went to Summit County, Colorado, my nights were a mess—staring at the ceiling, waking up feeling like I'd been run over by a snowcat, and then trying to enjoy the outdoors while running on fumes. I blamed it on travel, excitement, bad pillows—you name it. But then I started noticing something weird. Friends on ski trips and camping adventures were having the same problem. Some of them, tough-as-nails hikers and backcountry warriors, were walking around like zombies after a single night at altitude. That's when I met Dr. Michael Breus, a legit sleep doctor, who hit me with a truth bomb: altitude insomnia is real. And worse? It affects up to 75% of people. Your body's struggling with low oxygen, which wrecks your sleep cycle, making it nearly impossible to rest. So, I set out on a mission to fix it. After a deep dive into research, testing a ridiculous amount of natural ingredients, and countless sleepless nights (for science), I created Altisnooze—a sleep aid designed specifically for high-altitude adventures, without the grogginess of melatonin. Principle: Bad sleep = bad adventure. Period. You can have the best gear, the most epic trail planned, and a perfect sunrise waiting for you—but if you don't sleep well, your trip is going to suck. Most people don't even realize altitude is the issue. They just assume they're bad sleepers, or that their body needs to “adjust.” But waiting around for a week to acclimate? Not ideal when your trip is only a few days long. Good sleep isn't just about comfort—it's about performance, recovery, and actually enjoying the adventure you planned. Transition: A lot of outdoor lovers deal with this and don't even realize what's holding them back. They push through exhaustion, drink too much caffeine, or try to knock themselves out with melatonin—only to wake up feeling worse. That's exactly why I created Altasnooze. Because when you finally fix your sleep at altitude, everything changes—your energy, your performance, your mood, and most importantly, how much fun you have. That's Why: …we want to introduce you to Altisnooze and just dropped an episode of the Outdoor Adventure Lifestyle Podcast with Will Schaefer, founder of Altisnooze. He went from being a sleep-deprived mess in the mountains to developing a game-changing solution for adventurers who want to feel fabulous at altitude. In this episode, we dive into the science of altitude insomnia, how it messes with your body, and what you can do to fix it—so your next high-altitude trip doesn't turn into a sleepless disaster. Call to Action: If you've ever struggled to sleep in the mountains, this episode is your wake-up call. (Pun intended.) Don't let altitude ruin your adventure—get the inside scoop on fixing your sleep at high elevation and feeling your best. #Outdoor Adventure Lifestyle Podcast, #altitude insomnia, #AltiSnooze, #high altitude sleep aid, #altitude sickness, #sleep doctor, #Michael Breus, #adventure travel, #melatonin-free, #sleep disturbance, #alpinists, #electrolytes, #high altitude adventures, #natural supplements, #altitude symptoms

Wednesday night service gets a treat with pastor Clarence using a little Pun to bring the Word. The post Weight On The Lord | Pastor Clarence | Wednesday Night Service appeared first on Atlanta Dream Center Church.

On this episode of the Prophecy News Podcast, AI chatbots continue to be the most fought over segment of the technology market, with artificial intelligence worming its way into every aspects of our daily lives. For instance, I wrote this article you are now reading using my own mind and thoughts, but the software I wrote it with has a button I could have hit to have AI write it for me. The graphic that sits atop of this article was created in Photoshop that now has artificial intelligence all through it. Every mobile phone with a software upgrade done in the last 6 months is now powered by AI whether you are aware of it or not. AI is a seductively powerful tool whose ultimate end is to remove the human component from, well, everything. Remember what happened in the 1999 thriller ‘The Matrix'? Humans fought with the computers they created, and the humans lost. This is why Ecclesiastes 1:9 in our theme verse for 2025, and this is where we are on the end times timeline. On this episode, we bring you the very latest news in AI, and run it through the filter of your 66 caliber King James Bible, fully loaded. Pun intended.

In this month's episode, Ian and Mick meet the Scottish film director Grant McPhee who's making a three-part documentary series on the untold story of Liverpool's arts and music underground scene from 1964 to 1984 - "Revolutionary Spirit". Contrary to popular belief, the Merseyside music scene didn't collapse after the Beatles left the city in the 60's. There was a thriving underground scene before,during and after the Fab Four which paved the way for the 2nd Mersey Music explosion in the early 80's. Grant discusses his first documentary in the series, 'The Pool of Life', which tells the story of the legendary Liverpool School of Language, Music, Dream and Pun - how it started and what it led to ; with some incredible archive footage from the 70's that has never been seen publicly before.Grant describes it as 'The Greatest Story Never Told'

This is a PG-13 interview.. so yes.. we tried super "hard" to not be offensive to anyone. lol.. Pun not intended. Please listen to our light-hearted interview with a curious ear. Our interviewee shares her experiences in her former relationship and the things she's learned from it. Interviewee: Mimi of Mimi's Mocha Treats - https://www.instagram.com/mimismochatreats You can find this and all of our videos on YouTube: http://www.youtube.com/@Vee_Mindful FREE MASTERCLASS: https://www.veemindful.com/Top-5-Ways-Your-Masculinity-Is-Keeping-You-Single EBOOK: HOW TO DATE AS A MASCULINE WOMAN (only $8!) https://www.veemindful.com/How-To-Date-As-A-Masculine-Woman Schedule a Discovery Call with Vee Mindful: https://calendly.com/veemindful/discovery DATING ON DEMAND: https://www.veemindful.com/datingondemand VEE MINDFUL FREEBIES: https://www.veemindful.com/freebies CONNECT WITH ME: https://www.veemindful.com MY BOOKS: My 1st Book about Healing - THEY TRIED. YOU WON. https://a.co/d/hn8xiMP 2ND BOOK - LADIES, LEAVE YOUR D*CK AT HOME https://www.amazon.com/dp/B0C9S5R7Y3 Check out our Self Guided Course! -> https://www.veemindful.com/FeminineCourse WHO IS VEE MINDFUL? I am a Certified Relationship Coach with over 35 yrs of Dating, Relationship, & Marriage experience. I help the Mature Man and Woman (over 40) have healthy relationships FINALLY after years of unsuccessful attempts. WOMEN: you'll understand Men better MEN: you'll understand Women better Topics I cover: Narcissistic love, Attachment Style and Communication issues, Feminine and Masculine Imbalance, and Dating after Divorce. Vee Mindful's Product Sharing Links

2024 is over, or should we say, 'Joe'-ver? Pun very much intended, as WBEN's anything but average Joes, Beamer and Cali, provide your 2024 Wrapped, recapping the biggest and most viral stories, moments, and individuals of 2024, while also looking ahead to the new year

Send us a textIn this episode of Veto's Corner, we dive into the hottest topics shaking up sports, music, and pop culture. We start with the controversy surrounding college football star Travis Hunter and his girlfriend, whose relationship has sparked heated debates across social media. Then, we explore Muni Long's bold reaction to being asked by an industry executive to write soulful songs for non-melanated artists, raising important questions about authenticity and cultural appropriation in the music business. Pleasure P stirs the pot by claiming he wrote Lil Wayne's iconic hit "Lollipop," a revelation that has the industry and fans buzzing. Dame Dash adds fuel to the fire as he explains why he benched Memphis Bleek and reveals that Jay-Z wrote many of Bleek's rhymes, giving us a glimpse into the inner workings of Roc-A-Fella Records. We also touch on the ongoing drama between Big Pun's widow, Liza Rios, and Fat Joe, as Liza claims Joe's career would've faded if Pun had signed to another label. Finally, we wrap up with the incredible performance by Beyoncé at the Nel halftime show, featuring surprise appearances by Blue Ivy, Shaboozey, and Post Malone, leaving the audience in awe. Tune in for a jam-packed episode filled with drama, revelations, and unforgettable moments!Support the showFor all advertising opportunities email contact@vetoscorner.comFollohttps://on.soundcloud.com/hgBygU7aEBexoABm7w Veto's Corner: Instagram: https://www.instagram.com/vetoscornerpodcast Facebook: https://www.facebook.com/VetosCornerPodcast Tiktok: https://www.tiktok.com/@VetoscornerpodcastYoutube Subscribe: https://www.youtube.com/@vetoscornerpodcast Follow Veto Vangundy: Instagram: https://www.instagram.com/vetovangundy Twitter: https://twitter.com/vetovangundy Follow Kyng Musix: Instagram: https://www.instagram.com/Ky.n.gmusix Disclaimer "Welcome to “Veto's Corner”. Please note that the views and opinions expressed in this podcast are solely those of the hosts and guests, and do not necessarily reflect the views of “Veto's Corner”or its affiliates. Some of the content shared on this podcast may be intended for comedic or entertainment purposes only, and should not be taken as factual information. We encourage our listeners to conduct their own research and form their own opinions on any topics discussed. Thank you for listening!"

So as the new year begins, we thought we would look back on the most tortuous moments in 2024's Produce Buzzers podcasts. Yes, our infamous “Home Groans.” We tried our best to “PUN-ish” you in every episode, with our fearless leader, Theresa Nolan's terrible puns. We were going to call it “The Best of Home Groan” but the word “best” just doesn't work with these awful attempts at humor. So we had to go with “The Worst of Home Groan.”   Yes, we tried to convince you every time that it was your favorite segment on the podcast. But to no avail. So many of you tuned out just as we introduced it in each episode. We showed no mercy on our guests and forced them to sit through a Home Groan as payment for appearing on the show. Amazingly, many of our guests actually returned for another episode even knowing this torture would be inflicted upon them. We just assumed they forgot this inhumane demand for appearing on the show and they took the “PUN-ishment” graciously. Some even laughed at the puns even though that is strictly forbidden.  So without further ado, we invite you to share in a little masochism and groan loudly with each of these painful samples of The Produce Buzzers “Home Groan.”  

It really isn't a great time to be a smartwatch brand in India. Pun intended. You see, the market for smartwatches in India has gone from seeing dizzying highs to depressing lows, all within the span of one year. Just last year in September, at least 17 million people had placed orders for smartwatches across the country. Everyone seemed to want to get their hands on one. And the two brands that were largely credited for this new craze were Boat and Noise. But now, a little over a year later, all those people who were frantically buying smartwatches last year aren't buying them anymore. What's more is that the likes of Boat and Noise – brands that had dominated the market thus far and set all sorts of new records – are now losing their sheen. They have very steadily been losing market share to a handful of new entrants. What changed? Tune in. Daybreak is produced from the newsroom of The Ken, India's first subscriber-only business news platform. Subscribe for more exclusive, deeply-reported, and analytical business stories.Listen to the latest episode of Two by Two here

Daily Dad Jokes (06 Dec 2024) The Christmas Jokes electronic button now available on Amazon. Perfect for stocking fillers, Secret Santa and Kris Kringle! Fun for all ages and guaranteed to provide laughs (and groans). Click here here to view ! The official Daily Dad Jokes Podcast electronic button now available on Amazon. The perfect gift for dad! Click here here to view ! Email Newsletter: Looking for more dad joke humour to share? Then subscribe to our new weekly email newsletter. It's our weekly round-up of the best dad jokes, memes, and humor for you to enjoy. Spread the laughs, and groans, and sign up today! Click here to subscribe ! Listen to the Daily Dad Jokes podcast here: https://dailydadjokespodcast.com/ or search "Daily Dad Jokes" in your podcast app. Interested in Business and Finance news? Then listen to our sister show: The Daily Business and Finance Show. Check out the website here or search "Daily Business and Finance Show" in your podcast app. Jokes sourced and curated from reddit.com/r/dadjokes. Joke credits: rszim94, CasualAustralian, CrypticMind-, Wuzcity, Upvoter_NeverDie, NoSource5480, revnoahzark69, RingosBrownStarr, bluegiant90, jmaing01, BenefitNew8807, obyron31, , OldHolly, goleafsgo88, SophieByers, HappyFun_Time, the_warchild, RoamingRonin1988, desireewhitehall, Astovius, thomasbrakeline, boop66, sammy-corpse-noodles, TheRockingDead, dubaidadjokes, FeedbackUSA, CHEEZY_21, bookmarkjedi, dickcheney600, honoluluoahumod, mal221, ilikesidehugs, TchockyMews, porichoygupto, porichoygupto, OK_Compooper, TorteVonSchlacht, boogerknows, SnowFrostborne, mediumpacedgonzalez, Pun-isher42, ArsonBjork, paulvs88, emil4383, DENelson83, FeelingAdvice2309 Subscribe to this podcast via: iHeartMedia Spotify iTunes Google Podcasts Youtube Channel Social media: Instagram Facebook Twitter Tik Tok Discord Interested in advertising or sponsoring our show? Contact us at mediasales@klassicstudios.com Produced by Klassic Studios using AutoGen Podcast technology (http://klassicstudios.com/autogen-podcasts/) See omnystudio.com/listener for privacy information.

CHEESECAKES! Come see Patrick on tour! CLICK HERE FOR TICKETS! WELCOME TO EPISODE 22 OF THE GOLDEN GIRLS DEEP DIVE PODCAST! Starting from the beginning of the show, each week we recap an episode of The Golden Girls and we end each episode with a fully researched deep dive into something from the Golden Girls universe! In episode 22, Rose loses her job at the grief counseling center, so she starts inviting former patients to the house for treatment. Shenanigans ensue when the ladies find out that Rose is desperate to find another day job, but can't seem to land one. Also, Blanche is trying to lose a few pounds and Dorothy is VERY EXCITED (cue jazz hands) for a date with an old… flame. Pun intended.  For this week's deep dive Jenn is telling us all about the GROUNDBREAKING 1992 film Stop or My Mom Will Shoot starring Estelle Getty and Sly Stallone. OK, groundbreaking might be going a bit far, but you will not BELIEVE the shady backstory about how Sly got the part or WHICH OTHER GOLDEN GIRL WAS ORIGINALLY OFFERED THE MOM ROLE. This one is wild, y'all. Our episodes are researched by Jess McKillop, Patrick Hinds, and Jennifer Simard. All of our sources can be found on our website. Follow us on Instagram and TikTok at @GoldenGirlsDeepDive To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

It's that time of year! We have eleven months to take in all of our experiences from 2024 that we bottle up for one big review of everything once December rolls around. So this entire month will feature episodes covering Pearl Jam shows from each leg of the 2024 Dark Matter tour as voted on by you the listeners! So we're kicking it off with the winner of the May leg poll which happens to be the first night in Las Vegas. These back to back Vegas shows were make ups for having to cancel back in 2022, so these fans who had waited to see them in Vegas - not for two years, but it had been 18 years since they had last played in 2006, they got a setlist tailor made for diehards. This being the fifth show of the year meant that a lot of the kinks of Dark Matter were still getting worked out, including setlist placement and fan reactions for some of the songs. The first four shows of the year put an emphasis on highlighting those songs and sticking within a relatively standard set of songs not uncommon to hear at a Pearl Jam show in any year. Pun can be intentional or not, but Vegas was the first gamble where many of the big moments from this show came from songs they don't usually play. An opening combo of Sometimes and Hard To Imagine sets that tone, and then performances of songs such as Breakerfall, Tremor Christ, Inside Job and Breath reinforce it. Even some of the common songs felt like big changes as Black was the third song played in the set, and Corduroy was featured in the encore which included a little U2 flavor on the intro. We'll tell the story of the set, but there will be no better story than the one we share from a moment where Ed gave gambling money to a fan named Erin with the challenge to double it. We'll hear the full details of that story from Erin's perspective and how it led to a very sincere and special moment at the second show a day later. Visit the Concertpedia - http://liveon4legs.com Contact the Show - liveon4legspodcast@gmail.com Donate to the Show - http://patreon.com/liveon4legs

On this flashback of Take It Personal, we're hitting you with a combined remastered version of episodes 86 & 87, our Kool G. Rap Tribute. This 7+ hour episode features music from one of the most prolific rappers to ever touch mic. When you hear the term "your rappers favorite rapper", they're are talking about Kool G. Rap. Whether you consider him the G.O.A.T. or  somewhere in your Top 5, there is no denying that Kool G. Rap is one most influential rappers of all-time.     Whether you like Nas, Jay, Big, Pun, Em, Black Thought or any other great lyricist, just know they're great because of Kool G. Rap. The multis, the wordplay, the humor, the violence, the voice and god-like ability to tell a story, there is NOBODY quite like him.   The man of the hour sat down with us to discuss his illustrious career. We talk Marley Marl, Eric B., Kane and the whole Juice Crew. We get into his favorite mobster movies, favorite verse of all-time and we even make him pick his own top 5. We discuss Nas, Black Thought, Masta Ace, Pun and Necro. We even cover the Rawkus debacle and much more.  ⁠www.takeitpersonalradio.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠www.patreon.com/TakeItPersonal⁠⁠⁠

Unfortunately, we could not get RealBob for this one, but that doesn't mean we're saddened by the guest we have today! PseudoBob is a top-notch writer, and I'm thrilled he agreed to come on the podcast. You can read "Paragraphobia" by here: https://www.fimfiction.net/story/561105/paragraphobia You can read "Big Trouble" by here: https://www.fimfiction.net/story/241634/big-trouble You can read "A Historical Pun" by here: https://www.fimfiction.net/story/133928/a-historical-pun You can find Pseudobob Delightus here: https://www.fimfiction.net/user/12771/PseudoBob+Delightus

Autumn is here, and one of stars of the season are the beautiful fall leaves. Pun intended, the Music List thought it would be appropriate to list out the best songs about leaving. Leaving what? Leaving where? Leaving...who? Or even how? With no genre restrictions to limit the siblings, this episode has a little something for everybody. So, sit back, but certainly don't...leave...until you've heard the definitive best five songs about leaving!

Send us a textFun combination of talent on this weeks show; we have a good Friend from my Laughs Unlimited days...Mark Pitta. Mark was out of the Bay Area and worked TV, Radio, and even ran shows at the Throckmorton Theater for years. I am also sharing a short "Pun-filled" bit by a guy who worked my stages early on his career, Darren Carter. He takes us on a "Corney" tour...Ha! Last, from the deep South; we have Joel Byers. Joel has gotten to be very funny. I first met his as a podcaster and in fact he was featured on one of my interview shows a couple years ago. Now I get to share a very funny comedy set by Joel...Listen, Laugh, & Share!Support the showStandup Comedy Podcast Network.co www.StandupComedyPodcastNetwork.comFree APP on all Apple & Android phones....check it out, podcast, jokes, blogs, and More!For short-form standup comedy sets, listen to: "Comedy Appeteasers" , available on all platforms.New YouTube site: https://www.youtube.com/@standupcomedyyourhostandmc/videosVideos of comics live on stage from back in the day.Please Write a Review: in-depth walk-through for leaving a review.Interested in Standup Comedy? Check out my books on Amazon..."20 Questions Answered about Being a Standup Comic""Be a Standup Comic...or just look like one"

Is there anything we take for granted more than clean, safe water flowing out of our taps? In this episode, I'm learning all about Boston's municipal water supply and its source, the Quabbin Reservoir. My guest is writer and historian Elena Palladino, author of Lost Towns of the Swift River Valley. We ask the big questions: Does Boston's water have a reputation? What are the trade-offs of modernity? Is the region's water system well positioned to weather a changing climate? Are ghosts real? As a special bonus, I taste test two local tap waters, pitting Cambridge and Boston against each other. Saquon Barkley is not normal. Stormy Daniels visits Salem. Bill Belichick gets lured into a couples costume. Pun intended. Get a cake from Royal Pastry Shop. Have feedback on this episode or ideas for upcoming topics? DM me on Instagram, email me, or send a voice memo.If you're a local business who'd like to advertise on the podcast, please drop me a line.Send us a textPremium Q Moving & Storage: Get free boxes and 10% off your move by clicking HERE or call 781-730-6180 for a quote. Boston Choral Ensemble presents "Northern Light" at 6 p.m. on December 7 at Old South Church (Copley Square, Boston). Advance tickets: $25 general admission; $15 students/seniors; $10 children; $0 EBT card holders. All additional tickets after the first two can be purchased for $10. For more information, visit bostonchoral.org.

Ian Broudie and the Lightning Seeds are about to set out on their 35th Anniversary Greatest Hits Tour – aka “beery parties”. He talks to us here about the first bands he ever saw and played in, which involves … … memories of the Liverpool School of Language, Music, Dream and Pun. … the secret of seeming enigmatic: “Never finish your sentences …” … how Three Lions brought a whole new audience and the irony of a singer who didn't front his biggest hit. … why the Ramones and Talking Heads made him sell his old records.   … first requirement for success: “being able to make a fool of yourself”. … when Captain Beefheart forgot he was booked for an art show and painted all the pictures the night before. … how a part in a Ken Campbell play launched his career. … seeing the Beatles, aged seven – “Shut your eyes and put your fingers in your ears”. … when Eric's in Mathew Street seemed the centre of the universe. … “for the first time ever I'm not suffering from Imposter Syndrome – I AM THE SINGER!” … Free, Pink Floyd, Elvis Costello, XTC, Big In Japan and the Sausages From Mars. … making records that are “an Andy Warhol pop-art splash of colour on a wall”. Lightning Seeds tickets here:https://www.ticketmaster.co.uk/lightning-seeds-tickets/artist/735512Find out more about how to help us to keep the conversation going: https://www.patreon.com/wordinyourear Get bonus content on Patreon Hosted on Acast. See acast.com/privacy for more information.

Ian Broudie and the Lightning Seeds are about to set out on their 35th Anniversary Greatest Hits Tour – aka “beery parties”. He talks to us here about the first bands he ever saw and played in, which involves … … memories of the Liverpool School of Language, Music, Dream and Pun. … the secret of seeming enigmatic: “Never finish your sentences …” … how Three Lions brought a whole new audience and the irony of a singer who didn't front his biggest hit. … why the Ramones and Talking Heads made him sell his old records.   … first requirement for success: “being able to make a fool of yourself”. … when Captain Beefheart forgot he was booked for an art show and painted all the pictures the night before. … how a part in a Ken Campbell play launched his career. … seeing the Beatles, aged seven – “Shut your eyes and put your fingers in your ears”. … when Eric's in Mathew Street seemed the centre of the universe. … “for the first time ever I'm not suffering from Imposter Syndrome – I AM THE SINGER!” … Free, Pink Floyd, Elvis Costello, XTC, Big In Japan and the Sausages From Mars. … making records that are “an Andy Warhol pop-art splash of colour on a wall”. Lightning Seeds tickets here:https://www.ticketmaster.co.uk/lightning-seeds-tickets/artist/735512Find out more about how to help us to keep the conversation going: https://www.patreon.com/wordinyourear Get bonus content on Patreon Hosted on Acast. See acast.com/privacy for more information.

For extra episodes and exclusive content, subscribe to our Patreon! Help us reach 20 new paid Patrons in 2 weeks, and we'll reveal our wedding video - don't miss this exclusive moment! For only $5 a month, receive a bonus episode every week! Subscribe today ⁠https://www.patreon.com/thepuddlespodcast/ ⁠ Welcome to Puddles. Andrew and Brenna joke about everything, mostly their own relationship. In this episode, we cover David Dobrik's pickleball tournament, FBoy Island, cucking, writing letters to Planet Fitness, Andrew's appearance on “Live from the Other Side with Tyler Henry” on Netflix, having a hangover when you didn't plan on drinking, the passive way comedians communicate, unhealthy grooming habits, and seeing influencers in the real world. Leave us a voicemail to be played on the podcast: ⁠⁠https://www.speakpipe.com/Puddles⁠⁠ Send us questions: ⁠⁠puddleboyandpuddlegirl@gmail.com SUBSCRIBE! Puddles Youtube Feed Puddles Podcast Spotify Audio Feed Puddles Podcast iTunes Audio Feed CHAPTERS 00:00 - Saturday night out 04:00 - Cucking 08:00 - Pun jokes 10:30 - Handwritten letters to Planet Fitness 14:00 - Andrew on Netflix 20:30 - A personal reading from Tyler Henry 25:00 - Trimming Andrew's eyebrows 29:00 - Losing sentimental items 37:00 - Good cries with mom 40:30 - David Dobrik's pickleball tournament 48:00 - Andrew's accessory 50:00 - Green room hangs 53:00 - Continued on Patreon FOLLOW US: Puddles Andrew Brenna Melanie Theme song performed by: Ed Glaser Ending song written by: Andrew Collin Visuals and Graphics by: Melanie Meisner Produced by: Melanie Meisner

Finding Peace and Comfort in This Hard Season   How does a warrior prepare for battle? They need the right kind of armor to protect themself from harm. They need weapons to defeat the enemy, too.   What is your armor? What weapons do you wield as you go into this new season, this battle, for your health and livelihood? Yes, you CAN prepare. There are things you can do to build yourself up to being stronger and able to handle the journey you are embarking on. I am speaking from a perspective that I relate to, that is, elected amputation. Not everyone has this experience, and I cannot even begin to imagine what it must be like to have that taken from me with no choice, so I will not be speaking of that journey today. I had four months to prepare, research, interview, seek help, and get a leg up (PUN intended!) on my forthcoming surgery. I believe there are many things we need to address to feel even somewhat prepared for such a huge life-changing surgery, and even then, you are never going to be completely ready for that day and what is to come in the years to follow, but you might as well start from a positive, strong place. I address 4 major areas to get yourself prepped for such a surgery: Mental, Emotional, Physical, and Insurance Yep, Insurance! You are in control of those other areas of your life, but insurance can become the enemy very quickly if you are not researching and doing your due diligence with what your insurance covers...prosthetics are EXPENSIVE!!! Like I said before, I had four months from the time I scheduled my surgery til the day of my amputation. These four months were extremely challenging and emotional. I tried my best to stay positive and convinced that this was the right move, but some days were much harder to convince myself than others. I began to go through the "What if's...." A LOT! I had fears well up in the night as I lay in the dark and everyone else in my house was sleeping. I struggled with the idea of death, and I worried that I wouldn't be a functioning amputee. So many questions, and I knew NO amputees at the time. So many fears and so many uncertainties. It was almost unbearable. But I decided to not let negativity rule my months I had left as a 'two-legger', and I began to prepare my heart, mind and body for the battle ahead. And Insurance, unbeknownst to me, was going to be a very grueling battle! Don't get caught without a plan. Don't get caught without visualizing a better future. Don't get caught without setting goals. These items are your armor and your weapons. Be prepared, you are, after all, a WARRIOR! We all have a warrior spirit, some of us just need to believe it to unleash it. Believe in yourself. You can do this! I believe in YOU, Dear Warrior!     Start making a plan now, don't wait! Prepare yourself by addressing your mental and emotional capacity to handle what's coming. How? Talk to people. When you talk about it you will find you relax the hold it has over you. I remember when I couldn't even say "Amputation", it made it too real if I said it, but that's what I had to learn to do. The more I talked about it, the easier it became to say, eventually it got me then thinking about what was coming and how I might handle certain situations, like getting in and out of a car, going to the bathroom in the middle of the night, cooking dinner while on crutches, etc. I would not have those questions without open conversations with my family and friends. Physically prepare by building your balance, core strength, and the limb that will be left behind to do all the work. Finally, insurance. Please do your research. Ask questions about what is and is NOT covered by your insurance. Double check, and even triple check if time allows. The cost is profound, and the average household struggles to afford one. You are strong enough to go through this, but you must prepare,