Podcasts about Range Rover

Jonny likes a Swedish restomod while Richard has seen something horrific in Los Angeles. Also in this episode, love for the Discovery 4, trying to understand the Land Rover range, old SLs on high suspension, the car owning path of Cossie man, trying to decipher the stages of tuning, the Merkur XR4Ti, a Scottish verbal tic, a very weird listener story about a Polo and a lunatic, and Jonny and Richard pick two more cars from the Pistonheads auctions. For early, ad-free episodes and extra content go to patreon.com/smithandsniff To buy merch and tickets to live podcast recordings go to smithandsniff.com To discuss the Pistonheads auctions go to pistonheads.com/smithandsniff Get bonus content on Patreon Hosted on Acast. See acast.com/privacy for more information.

Dan Prosser and Andrew Frankel discuss Jaguar Land Rover's latest financial results, which show a profit for the year of £2.5bn. Achieved on the back of the success of the Range Rover and Defender, it puts JLR in a strong position to weather uncertain market conditions. But what does it mean for the rebirth of Jaguar? They also talk about the new Ferrari 296 Speciale and the forthcoming F1 film with Brad Pitt.Use coupon code pod20 at checkout to get 20% off an annual subscription to The Intercooler's online car magazine for the first year! Listen to this podcast ad-free, and enjoy a subscriber-only midweek podcast too. With a 30-day free trial, you can try it risk-free – https://www.the-intercooler.com/subscribe/ Hosted on Acast. See acast.com/privacy for more information.

In this 387 Porsche Speedster Replica episode, Mental & Chris embarrassingly show up in the same hot rod 57 Chevy, Tim goes zombie hunting in a El Camino and Chrissy gets a Bongo Friendee! Really. No really, we found all of these vehicles for each other in a fantasy shopping episode. Joining the E1R F1 Fantasy League! It's Free and Chrissy is losing!!!https://fantasygp.com, Build your own team, then join league 74259541Mental's Porsche 912 - https://youtu.be/_AEg7U4mWgI?feature=shared Our Website -⁠ https://everyoneracers.com/⁠ Download or stream here -⁠ https://open.spotify.com/show/5NsFZDTcaFlu4IhjbG6fV9 ⁠https://www.youtube.com/channel/UCPrTs8wdzydOqbpWZ_y-xEA ⁠ - Our YouTube 04 Rolls Cars https://carsandbids.com/auctions/925xLgeb/2004-rolls-royce-phantom97 Mauck Minibus https://bringatrailer.com/listing/1997-mauck-msv/70 Mercedes 300 SEL on Racing Junk 89 Porsche 928 manual https://classics.autotrader.com/classic-cars/1989/porsche/928/10231705725 Internationa Mobile Home https://bringatrailer.com/listing/2025-international-hv-bliss-mobil-15-fooot/04 Ford E-250https://carsandbids.com/auctions/35dL1JEJ/2004-ford-e-35013 G63 https://carsandbids.com/auctions/rwBO1Pep/2013-mercedes-benz-g63-amg79 Wagoneer https://bringatrailer.com/listing/1979-jeep-wagoneer-20/07 Rally Z4 https://bringatrailer.com/listing/2007-bmw-z4-m-coupe-76/ 69 912 Safari https://bringatrailer.com/listing/1969-porsche-912-coupe-5/88 911 Safari https://bringatrailer.com/listing/1988-porsche-911-carrera-coupe-68/72 Suburban on Racing Junk https://www.racingjunk.com/chevrolet/184708757/1972-chevrolet-suburban.html?category_id=&search=Suburban&quickSearch=1&np_offset=12&from=search#1281 G280 on Racing Junk https://www.racingjunk.com/mercedes-benz/184439879/1981-mercedes-benz-280.html?category_id=&search=G+Wagon&quickSearch=1&np_offset=2&from=search#674 F100 Baja on Racing Junk https://www.racingjunk.com/ford/184716452/1974-ford-f-100.html?category_id=&search=pre+runner&quickSearch=1&np_offset=2&from=search#819 Range Rover https://www.carvana.com/vehicle/3595696, 24 GMC Van https://carsandbids.com/auctions/9WdGj1n1/2024-gmc-savana-lt-350097 Behomeoth RV https://bringatrailer.com/listing/1997-stewart-stevenson-m1078/ 98 Viper https://bringatrailer.com/listing/1998-dodge-viper-gts-gt2-championship-edition-8-2/67 Datsun Roadster https://bringatrailer.com/listing/1967-datsun-1600-roadster-50/19 BMW i8 https://bringatrailer.com/listing/2019-bmw-i8-roadster-14/76 Eldorado https://bringatrailer.com/listing/1976-cadillac-eldorado-convertible-50-2/88 Catherahm https://bringatrailer.com/listing/1988-caterham-seven-1600-sprint/83 911 Cabrio https://www.pcarmarket.com/auction/1983-porsche-911sc-cabriolet-10/54 Ford Panel https://www.streetsideclassics.com/vehicles/7775-cha/1954-ford-panel-delivery-restomod57 Bel Air https://bringatrailer.com/listing/1957-chevrolet-bel-air-183/15 Maserati https://bringatrailer.com/listing/2015-maserati-ghibli-17/17 Triumph Bonnie w/sidecar https://bringatrailer.com/listing/2017-triumph-bonneville-street-twin/12 AMG Wagon on Racing Junk https://www.racingjunk.com/mercedes-benz/184442659/2012-mercedes-benz.html?category_id=&search=AMG+Wagon&quickSearch=1&np_offset=1&from=search69 GTO on Racing Junk https://www.racingjunk.com/pontiac/184656764/1969-pontiac-gto.html?category_id=&search=GTO&quickSearch=1&np_offset=9&from=search#1864 Lincoln https://bringatrailer.com/listing/1964-lincoln-continental-23/Zombie Killer Elky https://silodrome.com/chevrolet-el-camino-zombie-killer/04 911 Dakar https://www.ilusso.com/used-vehicle-2024-porsche-911-dakar-c-3583/84 Police Van https://www.hagerty.com/marketplace/auction/1984-Dodge-Ram-B150/5sc2WMoi3qmT1mnF0WSuwN95 JDM Herse https://www.hagerty.com/marketplace/auction/1995-Nissan-Cima-Hearse/2LcX2q9GYx6HEIPdhCRYs998 Bongo Friendee https://jdmsupply.com/sale/1437/1998-mazda-bongo-friendee-rf-v-pop-top-camper

I didn't grow up driving. In Poland, I was terrified of it. But when I moved to the U.S. as an au pair, everything changed. My host families handed me the keys, first to a giant Chevy, then a little Honda, and eventually a Subaru I drove for years. All of them were given to me. I was still scared, still unsure, still depending on what was handed to me.In this episode, I take you through the timeline of how cars shaped my self-concept. From co-signing for my ex's Mercedes (and never driving it), to buying my first Range Rover in cash simply because I liked how it looked, even though I had no idea what I was doing. From forcing myself to drive into Manhattan every Friday for Landmark classes (because if I wanted to grow, I had to drive), to walking into a dealership after quitting my job and negotiating my first Mercedes with a female salesperson.And then came the G-Wagon. It wasn't about money, I could afford it. It was about visibility. About wondering if it was too much. But I got it anyway. That car became my armor, my office, my way of saying “I'm doing this, even if I'm still scared.” And I grew. Big time. Financially, emotionally, professionally. Until I didn't need the armor anymore.That's when I walked into Porsche, asked for exactly what I wanted, paid in full, and drove off in a car that felt like me. Not the version of me who needed to prove anything. The version who knows who she is.This episode isn't about cars. It's about expansion, ownership, and the physical things that can support your growth, if you're intentional. A Chanel bag won't make you confident. A Mercedes won't fix your self-worth. But if you're already evolving, the right container, whether it's a car, a move, or coaching, can help you step into it faster.If you're in a season of becoming and this resonates, reach out. ⁠⁠⁠https://monikaamazur.as.me/CoffeeandGoals⁠⁠⁠

You can enjoy exclusive and intense erotic audio by grabbing your copy of the Wylde Erotic App on the Apple Store,or downloading the very unofficial and unapproved Android version from WyldeInBed.com After a painful divorce, this lady is ready to reclaim her independence and rediscover her passions. With a substantial divorce settlement in hand, she decides to splurge on a brand new Range Rover, seeking a fresh start.Little does she know, her journey of self-discovery is about to take an unexpected turn.From the moment she slips into the luxurious leather seats, the powerful hum of the engine ignites a fire within her.But it's not just the car that sets her heart racing.The handsome young car salesman beside her, with his confident smile and smoldering eyes, becomes the focus of her deepest desires.As they embark on a test drive, the intimate confines of the car become a catalyst for a thrilling exploration of passion and longing.She finds herself captivated by the magnetic allure of the salesman, leading to an unforgettable encounter that leaves her breathless and yearning for more."Seduction By The Dashboard Light" is a tantalizing short audio story that will take you on a sensual ride, where the roar of the engine and the heat of newfound attraction collide in an exhilarating symphony of pleasure. Buckle up and prepare for a steamy adventure that will leave you craving the open road and the thrill of the unexpected.

Send us a textA first for our podcast, an intergenerational episode, as we welcome Elliot Mitchell, who came to us after hearing his Dad on Season 2 Episode 8.We had a great time on that one, and remained in contact with the family afterwards as Rob is a personal friend, so it made sense to hear what his eldest son had to say about his memories of cars growing up. Some lovely tales of Grandparents, travelling to and from his Dad's after growing up living with his Mum - something Andy can relate closely too. We hope you enjoy this one, and please do go and check out Rob's episode (S2E8) it's one of our most listened too!Support the showWe'd love you to hear and share your stories, please tag and follow us on social media. www.instagram.com/mydadscar_podcastwww.Facebook.com/mydadscar podcastwww.buymeacoffee.com/mydadscarIf you'd like to support the podcast and are able to, you can ‘buy us a coffee' which will help towards costs of hosting and purchasing equipment to allow us to record guests in person, rather than just on zoom. Get in touch with us direct - MyDadsCarPodcast@gmail.com

Nissan bringing back the XTerra. We've been pushing for that and Nissan finally listened!Trauma surgeon safety. Dr Stephan Moran gives us another lesson in automotive safety from his unique perspective Our automotive journalist Steve Schutz gives us tidbits from Q1 new light vehicle salesDr Moran discusses the new 2026 Hyundai Palisade. Despite a dash of Range Rover, it looks distinctive and luxJagged Little Pill turns 30!

You are cordially invited to the episode 405 of the Unnamed Automotive Podcast, where the hosts will deliberate on two of the most high-end SUVs available on the market. Grab your monocles, have a plate of caviar, and take a seat upon one of our exclusive thrones made solely of materials mined only from the dark side of the moon. This weeks show starts off with Benjamins sharp witted review of the 2025 Mercedes-Benz G550. A high-end SUV with humble beginnings and limited generational changes, this time around it's got a whole new motor, design and high class interior, one so fancy that Benjamin had to take extra precautions when hauling stuff around. What does the G-Class mean these days? Is it something to be celebrated or shunned for being too excessive? Then the guys take some time to talk about the 2025 Land Rover Range Rover Autobiography, a seven-seat ode to royal British motoring. Outfitted with the right equipment for towing, hauling, and ferrying passengers around, Benjamin explains how the experience in this SUV was totally different than the Benz, even though the two vehicles share similar price points. Thanks for listening!

I'm turning into a crazy lib...if we have no cars we don't need more downtown parking...so sell your Range Rover and get a bus pass already!  Downtown parking is such a dumb conversation...but Sam and I did stumble on to a topic within it that is kinda interesting...who should be responsible for the costs of that parking?  That and so much more...check it out.  

A Georgia judge has ordered Jeezy to comply with his divorce order or he would have to be reported to prison. Jeezy is to give the title of his 2022 Range Rover to his former wife, Jeannie Mai. See omnystudio.com/listener for privacy information.

Dan has feelings, Moltz hasn't been able to pre-order and Lex screws up Duolingo.The EU fines Apple 500 million Euros.Good news! The rich are a trillion bucks richer!Duolingo goes AI-first.Nilay Patel argues Amazon now has to show the amount Trump tariffs have increased prices.Tom Paris doesn't like big screens in cars.Land Rover brings CarPlay to 15-year-old Range Rovers.Perplexity plagiarized a story about Perplexity.Aaand it just really wants to track everything users do.If you want to help out the show and get some great bonus content, consider becoming a Rebound Prime member! Just go to prime.reboundcast.com to check it out!Were you aware that you could buy things from us?! That's right! Shirts, iPhone cases, mugs, hats and one other type of thing are all available from our Rebound Store!

David og Håkons 1989 Fiat Panda har kommet seg til Oslo, men denne episoden skal i større grad handle om nye og elektriske Range Rover, som Håkon har kikket langt nærmere på i Nord-Sverige. Her snakkes det om rekkevidde, teknologi, lading og ikke minst pris. Så absolutt en episode å få med seg, der det rundes av med litt V8 Jaguar-prat Hosted on Acast. See acast.com/privacy for more information.

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Did Jeep accidentally build one of the best hot hatches of the last 40 years? It's is smaller than a Mk8 GTI and could be had with a bulletproof 4.0L inline-six and 5-speed transmission. Can it possibly give the quintessential VW hot-hatch a run for its money? We'll talk Jeep XJ Cherokee, its origins, and all 8 generations of GTI – from the 16v 2.0L, to the 8v 2-point-slow, the soulless 1.8T, the venerable VR6, and the electric e-Golf! === This episode is sponsored by Vyper Industrial — America's #1 rated shop chair, tool carts, and creepers, proudly made here in the US. Visit vyperindustrial.com and use code CARMUDGEON for $50 off. === Welcome to the hot hatch episode! We'll touch on some real oddballs in this one – like the Dodge Omni GLHS, Suzuki Swift, Chevrolet Sprint, and Mitsubishi Mirage. Plus some allegedly fabulous but forbidden fruit: the Peugeot 205 GTi Rally and Renault Clio Williams. Then we'll dive into the Jeep XJ Cherokee which Jason just did a Revelations episode on. It began as the unibody successor to the giant and inefficient Jeep Wagoneer – a honking SUV with CJ Wrangler guts inside – which, incidentally, was a recipe being emulating across the globe as Toyota and Land Rover (to name a few) were also building more comfortable and luxurious SUVs using drivetrain bits from their more serious off-roaders like the BJ/FJ and Series II/III. The Cherokee followed the Range Rover away from the body-on-frame chassis and adopted unitary construction methods resulting in genuine handling prowess – even out-gripping a W201 Mercedes-Benz 190E. In fact, the chassis bones are so good you can find XJs competing amongst much sportier cars in 24 Hours of Lemons races across the country. Jason even deems the XJ one of his best back road drives ever. Sadly, early cars were excruciatingly slow thanks to an anemic Renault-built AMC engine. But that didn't stop Jason from getting one of his very first speeding tickets in one. The little XJ made a lasting impression on nearly everyone who had the pleasure of experiencing one – including Derek, whose experiences in his mom's are literally his earliest datable memories. The little Jeep was so popular that when the Grand Cherokee came along to replace it, so many people were still clamoring for the original Cherokee that Jeep decided they would just build both. After the Jeep, we jump into VW's perennial hatchback hit: the GTI. All 8 generations have their pros and cons: Jason proclaims the VR6 to be one of the best sounding engines ever produced, and the 1.8T the worst VW ever made. The MQB platform underpinning the latest cars is declared spectacular. The Mk4 is a chubby baby Audi/Mercedes. The Mk6 fixes a lot of the hamster-styling of the Mk5, but the Mk5 has the better steering, just beware understeer. The Mk7 is a delight, especially if you can find yourself a Rabbit or Sport edition in Great Falls Green or Cornflower Blue. But even with a fancy color scheme, the humble e-Golf makes the better city car. Of note: Derek finally goes large-barging with a crew made up of a 560SEC, F-Type SVR, F-Pace SVR, a pair of R129s (one dogleg), and A4 2.8 Avant 5-speed, with his Mk5 GTI track car as a palette cleanser. Lastly, Jim Carrey, Mike Myers and Leslie Nielsen are national treasures, and their comedy blockbusters from the 80s, 90s and 2000s are exquisite. But do they hold up as well today as a Jeep XJ? Learn more about your ad choices. Visit megaphone.fm/adchoices

Wealthy Texas couple Bill and Frances Hall were entangled in a love triangle that ended in a fatal collision. On October 13, 2013, Frances crashed into Bill on his Harley Davidson. Behind him was his mistress in a Range Rover. Prosecutors claimed Frances Hall flew into a jealous rage and intentionally killed him. Frances said she wanted to confront his mistress and it was a tragic accident. “48 Hours" Correspondent Peter Van Sant reports. This classic "48 Hours" episode last aired on 6/10/2017. Watch all-new episodes of “48 Hours” on Saturdays, and stream on demand on Paramount+. 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

Ty & Eric discuss Ty's hostage situation at a Range Rover dealership, the trickle-down economics of Facebook Marketplace, Home Depot's missed opportunity to dethrone Subway, which olive stuffing is the dankest, hunting and gathering for lunch in the produce section, buying a Tesla on the toilet, and the how Eric fell victim to male beauty standards.If you're struggling, consider therapy with our sponsor. Visit https://betterhelp.com/thinkfresh for a discount on your first month of therapy.-10% Off Think Fresh Merchandise:shop.thinkfreshpodcast.com30% Off Zencastr Pro:zen.ai/thinkfreshFollow Us on Instagram:instagram.com/thinkfreshpodcast

Take a wild ride through the chaotic minds of John and Jay as they navigate everything from indie horror films to metal music breakdowns in this unfiltered exploration of pop culture's strangest corners.The hosts kick off with an enthusiastic analysis of "Finley," a short horror film featuring a hilariously incompetent killer puppet who struggles to murder his victims until they threaten his beloved cat. "I wanted more of this," John declares, praising the puppet's emotional expressiveness while lamenting the short's brevity. Their mutual excitement for this hidden gem reveals their appreciation for unique, creative approaches to familiar horror tropes.When the conversation shifts to music, prepare for an authentic listening party as the duo introduces each other to metal bands like Wage War and Dead by April. Their genuine reactions—complete with air drumming and spontaneous commentary on pitch harmonics and electronic elements—create an intimate experience that feels like discovering new music with friends. John's confession about screaming along to metal songs in the shower adds a relatable, humorous dimension to their musical exploration.Television and film recommendations round out the episode, with particular enthusiasm for "AP Bio," starring Glenn Howerton as a disgraced Harvard professor teaching in Toledo. "Dude, the show is so good," John insists, highlighting the similarities between Howerton's character and his iconic role as Dennis Reynolds in "It's Always Sunny in Philadelphia." This leads to a highlight reel of Dennis's most unhinged moments, including his famous Range Rover meltdown.Subscribe now for weekly doses of unfiltered commentary, unexpected pop culture discoveries, and the kind of inappropriate humor that will have you laughing despite your better judgment. Every day with John and Jay is guaranteed to be anything but ordinary.Send us a text message and let us know how awesome we are! (Click the link)!Support the show'Beavis and Butt-head' Cover art created by Joe Crawford

#1- The annoying “one upmanship” problem that certain expats and gringos seem to want to bring to the table:    #2- Expats and their tired old “war stories”: Why do certain Expats blather on about what they used to own and what they lost in the divorce? Why do they still carry around old photos of that lost beach house and Range Rover?   #3- Expats and gringos, be advised that no one wants to see photos of your kids or grandkids or hear about their spectacular brilliance: Its dead boring to hear about any of that since no one gives a shit about them except you…  #4- A word about Chapi's and Chapiadores (aka, gold-digging Latinas):    #5- In defense of those Latinas who prefer much older gringo men: You probably think its all about the money. Mostly true, but you may change your mind a bit after hearing a 28 year old Latina tell her story…  #6- Be sure to pick up my newly updated, "LATIN AMERICAN HEALTHCARE REPORT": the new edition for 2025 (and beyond) is available now, including the latest "Stem Cell Clinic" info and data and my top picks for the best treatment centers for expats and gringos. Just go to www.ExpatPlanB.com      #7- Our own Expat Captain Mango has developed a unique one-on-one Crypto consulting and training service (he's been deep into crypto since 2013). To get started, email him at: bewarecaptainmango@gmail.com   

Back by popular demand, it's another Random Number Generator Car Reviews episode, where Jason and Derek pull reviews of cars from their extensive spreadsheet. This, after Jason succeeds in getting his van, Jynah, stuck in the snow. And succeeds, despite there being no snow. === This episode is sponsored by Vyper Industrial — America's #1 rated shop chair, tool carts, and creepers, proudly made here in the US. Visit vyperindustrial.com and use code CARMUDGEON for $50 off. === Jason takes the van to Tahoe to finally test the Vredestein Wintrac Pros in the snow. He experiences the joys of installing tire chains on the side of a cold, wet freeway while chain-control enforcers allow countless all-season- or even summer tire-equipped SUVs to pass by. The Carmudgeons discuss the importance of tires and the dramatic grip disparity between various tire types in the snow. Then they open up their driving history spreadsheets once again for more random number generator car reviews! Jason heads to Lake Tahoe just after a 4-foot snow storm that somehow never materialized. After trekking another 2,000+ feet up in elevation to Mt Rose, he found some, and a simultaneously serene and serendipitous photoshoot ensued. Caravaning up the mountain alongside the van were Jason's pals in a VinFast VF8 (which easily beats the van in a roll race) and a Range Rover. Someone has to call AAA – guess who! Jason is incensed by the farcical chain-control restrictions which forced him – driving the FWD van on brand new dedicated winter tires – to pull over and install chains on the slushy roadside, while countless boobs driving AWD SUVs wearing all-seasons or even summer tires were allowed to pass right through (one of which winds up totalled in a Jersey Barrier). The Carmudgeons can't stress enough the importance of tires. Especially in the wet and snow. We'll cover stopping distances of various tire types, and recommend excellent videos from both Engineering Explained and Tyre Reviews on YouTube – especially this one measuring stopping distances and acceleration times on snow using a variety of tire types and grip enhancement measures like chains, ladders, snow socks and more: https://youtu.be/W-k_1gz87vM?si=gR3iIm_77Go1vzmZ Following the tire discussion, we dive into yet another Random Number Generator Car Reviews session. The Carmudgeons will recount their drives in the following cars: Mercedes-Benz E55 AMG 4Matic Wagon W210 First-gen Porsche Panamera (alongside a 760Li and S63) B8 Audi S4 3.0 “Tupercharged” Acura TL SH-AWD 6-speed (and ZDX) 1957 Porsche Speedster with 4-cam Carrera engine 1958 Porsche 356 Speedster Intermeccanica 2006 Mk5 VW GTI 2.0T 1960 Alfa Giulietta Spider Veloce 2012 E90 BMW M3 Competition Package 2007 Chevy HHR Panel van 2006 Jaguar XJR 2023 Acura Integra Type-S 2009 Ford Escape 4-cyl 1949 Hudson Super 6 Convertible 2010 Jaguar XFR 5.0 Supercharged 1971 Mercedes 280 SE 3.5 Cabriolet 2019 Mazda3 AWD Sedan 2003 Aston Martin Vanquish 2019 Genesis G70 AWD 1974 Lancia Stratos HF 2008 Ford Expedition 2000 BMW Z3 2.3i 2015 Ford F-350 Super Duty Diesel 2008 Porsche 911 Turbo Cabriolet Tiptronic Jason once got to play policeman while driving around a 2012 CLS63 AMG Fashion Force “police” car that Mercedes created for New York Fashion Week, where he tickets egregiously modified cars. Learn more about your ad choices. Visit megaphone.fm/adchoices

Dine værter i denne uge er Anders Richter og Christian Grau, som har besøg af gæstevært Mathilde Passer.Grau har kørt Ford Puma Gen-E i Barcelona.Vi skal høre alt om Mathilde Passers bilpræferencer.I nyhederne vender vi nye problemer med Tesla Cybertruck og et mysterie om stjålne Kia-motorer i Indien.Ugens bil er Range Rover P460e!Hit eller skidt har i denne uge temaet "Skuespiller-biler".Brevkassen er sprængfyldt med spørgsmål indsendt af jer lyttere. Richter styrer verdens sværeste bilquiz, som i denne uge har temaet "Danske film".Afsnit 181 er publiceret d. 14. april, 2025.

It this episode, we walk through the story of Nate—a customer who walked into the dealership craving nostalgia, heritage, and the familiar comfort of a classic Ford. But he drove away in a Range Rover. Why? In this episode, we dissect the identity shifts that quietly hijacked Nate's decision in real time. You'll learn: The subconscious identity conflict that made Ford feel right—but Range Rover feel necessary How brands lose sales not because of features, but because they fail to speak to the right version of the customer Why Ford could have saved this sale—if they knew which identities were activated and how to speak to them What this means for any brand trying to turn browsers into buyers If you've ever lost a customer to a brand that seemed like a weird fit, this story will hit home—and help you never let it happen again.   CoHost: Nate Lagos Twitter: https://x.com/natelagos LinkedIn: https://www.linkedin.com/in/natelagos/ Tactical and Practical Podcast: https://podcasts.apple.com/us/podcast/tactical-practical/id1752915534   Learn more at: https://www.tetherinsights.io/ Twitter: https://x.com/SarahLevinger Linkedin: https://www.linkedin.com/in/sarahlevinger/  Instagram: https://www.instagram.com/sarah.levinger/ Watch me on YouTube: https://www.youtube.com/channel/UCKwfjt_7PU5N_2fTfHemXXg   Thanks to Cytrus for the theme song, “Sky High” You can follow and find them on Spotify:https://open.spotify.com/track/1oKGDsxjRdQlf2xHLZsiSJ?si=8fbd275dbbb54cbf  

In this episode, Land Rover Monthly's Martin Domoney and Steve Miller are on the road again – and this time they're in Oxfordshire to see Eddie Priscott at AllMakes and Terrafirma.He talks about how his obsession with off-road driving first started with Jeeps, and how that affliction still sticks with him today. From his time running an independent off-road preparation specialist, Frogs Island 4x4, to developing off-road parts and testing them in winch challenge events to finally heading up Terrafirma – a brand synonymous with Land Rovers.We take a trip down memory lane to the golden era of off-roading, and Eddie answers a couple of listeners' questions – including why the Range Rover L405 is the latest bargain of the range. He also answers that burning question – just which way around do the washers go on rear shock absorbers?As always we welcome your questions and feedback – drop us a line at editorial@lrm.co.uk – and please do leave a rating or review on your preferred streaming platform. Enjoy the episode.

SEASON 3 EPISODE 116: COUNTDOWN WITH KEITH OLBERMANN A-Block (1:45) SPECIAL COMMENT: I want polling on a special, emergency, extra-constitutional Presidential Recall Vote. I know there isn't going to BE a Presidential Recall Vote. I know we're not going extra-constitutional, we're not REPUBLICANS dammit. But they are always making up laws (inside the Supreme Court and outside of it) on the premise that the people really want it, so after this week of unprecedented insane unnecessary failure on the part of Trump and his Team of Imbecilic Rivals, I want to know where we stand. Because the moment we get 10 Republicans in the House and 14 in the Senate to believe that if Trump stays in office, their careers are over, he's gone. Half of them think he's nuts already and a quarter have had doubts. They need to be pushed and I don't want to wait until the mid-terms for them to get the damned message I want SOME pollster - independent, news-related, hired by the Democrats, SOMEBODY - to ask these questions: 1) if the election were re-run today would you vote for Trump or a Democrat. Or another Republican. Or a fairly intelligent farm animal. 2) would you support a special recall vote to potentially reverse the outcome of the 2024 presidential election. 3) would you describe the current financial panic and the upcoming tsunami of inflation and unemployment as a national emergency. 4) do you think Donald Trump has lost his mind. 5) do you think Donald Trump is mentally fit to run the country. 6) do you think Donald Trump is acting to destroy the United States on behalf of a foreign country. 7) do you think it is necessary to act outside the constitution if necessary to save the United States of America FROM Donald Trump. 8) if the midterm elections for the Senate and the House were tomorrow would you vote Republican or Democratic? WHATEVER the percentages are they could easily scare the crap out of 10 House Republicans and 14 Senate Republicans and the day they do, Trump vanishes. You doubt me? Ask Richard Nixon. Ask Abraham Lincoln, whom they were ready to get rid of seven months before Lee surrendered at Appomattox because they thought he wasn't going to be re-elected. Also is it possible the Democrats are listening to me? Obama emerges to spout sense, as I've asked. The DNC Chair founds "The People's Cabinet." All we need now is POLLING ON A PRESIDENTIAL RECALL VOTE. B-Block (31:28) THE WORST PERSONS IN THE WORLD: The Pittsburgh Pirates rip a Roberto Clemente memorial off their outfield wall to make room for an ad for seltzer, a Republican influencer insists there are no tariffs on Russia because we don't import anything from Russia (we import $2.5 Billion a year from Russia), and the Secretary of the Treasury wants YOU to buy American while he buys British. (41:28) SPORTSBALLCENTER: Alexander Ovechkin DOES have more goals than Wayne Gretzky now, but no, that's still not the big league hockey record (and Gretzky managed to throw himself out another window during the celebrations) and the date of the first American, maybe the first human, to be photographed giving the finger to the cameraman has to be pushed back from 1886 to 1882 after a discovery this weekend about baseball Hall of Famer Old Hoss Radbourn. C-Block (55:00) THINGS I PROMISED NOT TO TELL: I have been asked by a listener to expand on last week's news that Chuck Todd not only does not realize that his news career is over but he thinks investors are going to give him $2,000,000,000 to go buy a news organization now. The answer to the question "Chuck Todd: Why?"See omnystudio.com/listener for privacy information.

Jonny has found some strange Volkswagen merchandise. Also in this episode, soiling a brand new car, not picking a side in ICE v EV, the new Subaru Forester, why Toyota should build an actual Range Rover, a Montego on an album cover, amazing retro touring car action, jammed horn or unstoppable air-con, drag racing supercars, and Prelude versus Peugeot in the Pistonheads auctions. For early, ad-free episodes and extra content go to patreon.com/smithandsniff To buy merch and tickets to live podcast recordings go to smithandsniff.com To discuss the Pistonheads auctions go to pistonheads.com/smithandsniff Get bonus content on Patreon Hosted on Acast. See acast.com/privacy for more information.

In this unfiltered and energizing episode, Brittany and Christina dive deep into hydration hacks, health routines, mindful consumer choices, and the truth behind shopping habits in a world of overwhelm. From personal stories of lifestyle shifts to the ultimate dream car manifestation (hello, Range Rover), they explore how every choice—from decluttering closets to skipping restaurant lines—reflects your priorities and personal growth. Get ready for real talk on minimalism, car culture, breaking rules, and living your best life without apologizing. Whether it's navigating the wild energy of Vegas or making room for what really matters, this convo hits on all the juicy stuff: wellness, travel, dining, and the beauty of saying YES to yourself.About Brittany and Christina:Meet Brittany and Christina, your dynamic podcast hosts who bring their unique blend of expertise, passion, and life experience to every conversation.Brittany, affectionately known as Britt, mom, mommy, bruh, and Queen, lives in Vancouver with her husband and their three fantastic kids (tweens and teens, hence the playful nicknames). Together for nearly two decades, Brittany and her husband share a love for travel and adventure. A self-proclaimed endurance sport junkie, Brittany thrives on pushing herself beyond her comfort zone to unlock her full potential. As a coach, she specializes in helping clients overcome overwhelm by aligning personal goals and values with actionable steps for success. Her greatest joys come from connecting with new people and witnessing their incredible achievements.Christina Lecuyer, a former professional golfer and TV host, is recognized as one of GlobeNewswire's Top Confidence Coaches. She works with clients worldwide, including entrepreneurs, Wall Street executives, stay-at-home moms, and small business owners. Through her signature "Decision, Faith & Action" framework, Christina has guided thousands of clients in creating their own versions of fulfillment and success, often leading to thriving six- and seven-figure businesses. Her 1-on-1 coaching model focuses on mindset and strategy to build self-trust, confidence, and long-term results.Together, Brittany and Christina bring their authentic, energetic, and empowering perspectives to help listeners navigate life, achieve their goals, and embrace their fullest potential. Feeling like you want to share a hot topic you'd like us to discuss on the podcast? Send us a DM over on Instagram at @anythingbutaveragepod. Your hot topic just might make it in the next episode!

On Sunday, October 17, 2021, Heidi Planck, a 39-year-old divorced mother of one left the townhome that she rented in the Palms area of West LA near Culver City and got into her silver Range Rover. She brought along her Labradoodle dog, Seven, and set out for her son, Bond's football game in Downey, California, about 17 miles away. But Heidi left the game early, and after texting with her son that evening, suddenly went radio silent. Her last known whereabouts were at a luxury high rise residential building called the Hope and Flower in downtown LA at 6:30 that night and then Heidi Planck simply...vanished. Her dog was found by residents of the Hope and Flower building on the 29th floor wandering aimlessly. Heidi Planck has never been heard from or seen again. Joseph McStay and his wife, Summer, along with their two little boys, Gianni and Joe Jr had just moved into a new house in November of 2010. On February 4, 2011, Joseph left to go have lunch with a business partner and friend named Chase Merritt in the early afternoon. By February 13, when Joseph's mother had not heard from him, she had his brother, Michael, go check on the family. What Michael found in their home was fruit rotting on the counter and a half eaten bowl of popcorn on the table. The family's two dogs were out in the yard. It was as if, on that day, February 4, 2011, the whole McStay family had simply...vanished.Show Notes:https://blood-money.simplecast.com/https://dateline-missing-in-america.simplecast.com/https://www.oxygen.com/killer-motive/season-2/episode-1/the-mcstay-family-mystery 

Jon Summers is the Motoring Historian. He was a company car thrashing technology sales rep that turned into a fairly inept sports bike rider. On his show he gets together with various co-hosts to talk about new and old cars, driving, motorbikes, motor racing, motoring travel. In this episode, Jon provides his insights on the latest vehicles in the 'Best of the Bay' road test series. He discusses and compares three standout cars: the 2025 Toyota Camry XSE, the full-size Range Rover, and the Lucid. The Camry is highlighted for its exceptional combination of performance and value, with characteristics comparable to a Lexus. The Range Rover impresses with its luxurious leather interior and commanding presence, though it is costly. The Lucid, despite being the most technologically advanced car tested and priced at double the Camry, stands out for its futuristic design and performance, making an impression on both Jon and a passerby during the review. John concludes with endorsements for the vehicles based on different consumer preferences. ==================== The Donnas - Take It Off “Camry Gonna Camry” - a bit better than you expect, in every respect: price, performance, look and feel inside and outside Full Fat Range Rover; the double whammy of the look and smell of the leather so memorable. Only 1 on road driving mode. The most civilized car we drove on the test day, makes you feel like an aristocrat. J can't do a Rangey though, he already has a corgi! Chops Garage (link) Lazerhawk - Dream Machine Episode 1 and driving the 1100hp Lucid to its frightening top speed two years ago Lucid decontented: 430hp, no moonroof, 80k not 200k The pre-production one in Santana Row vs. the up contented 1100hp with the Restoration Harware Interior The decontented car is the best car we drove during BotB The awesome calibration of the regen braking - it feels like a big german sedan engine braking at autobahn speeds Smooth, Swift and Sprint modes; about power delivery style. J preferred Smooth. Makes the Genesis, Rangey feel a last generation The Opinion of a Prius Car Camper - “That Thing Is SICK!” Overall, the Camry was Best Value; Lucid was Best Car; J would take the Genesis G80 sedan; the Single Best Thing was the Hellcat motor  Zodiac Mindwarp - Airline Highway ===== (Oo---x---oO) ===== The Motoring Podcast Network : Years of racing, wrenching and Motorsports experience brings together a top notch collection of knowledge, stories and information. #everyonehasastory #gtmbreakfix - motoringpodcast.net More Information: https://www.motoringpodcast.net/ Become a VIP at: https://www.patreon.com/gtmotorsports Online Magazine: https://www.gtmotorsports.org/ Copyright Jon Summers, The Motoring Historian. This content is also available via jonsummers.net. This episode is part of the Motoring Podcast Network and has been republished with permission.

Send us a textToday we have a really good conversation on changing the way you think about money, what it means to do the illogical, how I have held myself back from success, what I do to INSURE my results and more!Let's go!!Join The Luxury Of It All: https://www.brittneyjonesceo.com/luxuryofitallGet My 7 Figure Guide: https://brittney-ceo.mykajabi.com/offers/fbKnBwSM/checkoutGet my FREE weekly biz babe moves straight to your inboxhttps://view.flodesk.com/pages/624b64b2a15594c239cada7bJoin my Facebook Grouphttps://www.facebook.com/groups/131279237732613Follow me on Ig @brittneyceo for my daily life, hot biz tips, and morehttps://www.instagram.com/brittneyceo/

In this episode, we explore the power of storytelling in driving successful product launches and show you how to implement the same strategies used by top brands without the hefty price tag. We break down real-life examples from companies like Rhode, Range Rover, and Saratoga to give you insights on how to elevate your content and add real value. Thanks for tuning in and don't forget to drop a comment!As always, appreciate you all listening, and don't forget to leave us a review and submit your questions for Alex and Brian at the email address below. See you next week.--------------------WANT FREE GAME? Or just have a question for Brian & Alex?Submit your questions here: www.marketingexamined.com/podcastOR email us at podcast@marketingexamined.com--------------------WATCH THE PODCAST ON YOUTUBE:For full video versions, and short highlights of every episode, head tohttps://www.youtube.com/@marketingexamined?sub_confirmation=1NEWSLETTER:For growth playbooks, deep dives, and marketing case studies, get subscribed atwww.marketingexamined.com--------------------Follow Alex & Brian on Twitter and IGwww.twitter.com/@alexgarcia_atxwww.twitter.com/@brian_blum1

 What if happiness wasn't something you had to chase but something you could create daily? In this transformative episode, happiness strategist Monique Rhodes shares how to train your mind to find joy regardless of external circumstances. She and Lesley Logan discuss the power of gratitude, overcoming toxic positivity, and breaking free from the mental habits that keep us stuck in stress and negativity. Monique also dives into her personal journey—from struggling with depression to mastering happiness—and how you can build emotional resilience and confidence in small, daily ways. If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast. If you have any comments or questions about the Be It pod shoot us a message at 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.In this episode you will learn about:How Monique went from struggling with depression to becoming a happiness expert.The difference between true happiness and toxic positivity.Why gratitude can rewire your brain and shift your emotions instantly.The 90-second rule to process emotions without getting stuck.The power of daily courage challenges to break out of your comfort zone.How social connection and community are essential for mental well-being.Episode References/Links:Monique Rhodes Website - https://moniquerhodes.comMonique Rhodes Facebook - https://www.facebook.com/monique.rhodesMonique Rhodes Instagram - https://www.instagram.com/moniquerhodesofficialGuest Bio:Monique Rhodes is a happiness strategist whose programs on mental resilience, mindfulness, and well-being are featured in colleges and universities around the globe. She hosts the popular podcast In Your Right Mind, sharing insights on how to rewire mental habits for a more purposeful and fulfilling life. After overcoming significant adversity in her youth, Monique traveled extensively to master practical methods that reduce stress and deepen self-awareness. Today, she teaches thousands of individuals—from corporate teams to online communities—proven strategies for achieving lasting happiness, leading immersive retreats in Costa Rica, and infusing her global experiences and creativity into every aspect of her work. 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-g·        Lesley 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/UCjogqXLnfyhS5VlU4rdzlnQ·        Profitable 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-g·        Facebook https://www.facebook.com/llogan.pilates·        LinkedIn https://www.linkedin.com/in/lesley-logan/·        The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Monique Rhodes 0:00  I have gone from being my own worst enemy, almost critic, to being my own biggest cheerleader. So I don't actually need anybody else to bump me up or keep me going or help me. Within myself I'm able to. Don't get me wrong, I've got amazing friends, and I love them, and there are times I need to discuss things, but day to day, I've got it all here because I'm my cheerleader.Lesley Logan 0:26  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 1:08  All right, babes, get ready. Just sit back and just really, just, this is something I want you just to, like, try not to be trying to do 17 things at once. For this one, I want you to enjoy every word out of our guest's mouth. I am obsessed with her already. I'm gonna figure out how I can stalk her and make her a friend of my life. She is a happiness strategist, and if you think you know what that is, I promise you that you don't. And if you think you know what she's gonna say, I promise you that you don't. This is a great conversation. You're gonna wanna listen to it multiple times. So here is Monique Rhodes. Lesley Logan 1:36  All right, Be It babe, this is going to be a fabulous conversation. I can tell you that, because I've spoken to this amazing guest before, and it was hard to keep it contained to 15 minutes. So I'm excited that we have a longer format for conversation today. Monique Rhodes, you know what, you had me at Happiness Strategist, so can you just tell everyone who you are and how you rock at that? Monique Rhodes 1:54  I love that. Lesley, I'm so happy to be here. Thank you for having our second date together. So basically, I specialize in teaching people how to master their happiness. And I've done this over the past, really, three decades, and it's all from personal experience. So everything that I teach is what I've done to turn my own life around. So I love it. I love helping people. One of my programs is in so many colleges and universities around the world. I work with a lot of corporations, and I teach thousands of people all over the world. So I love it, and I love being here to talk to you about exactly what you do so well, which is get people excited about their lives. Lesley Logan 1:59  Thank you so much. I mean, here's why I'm so attracted to this, because I think today's world, it's really hard to be happy in, as soon as you open up your phone, there are text messages from somebody who's trying to make sure you know that someone's having a crappy day somewhere. There's demands from all around us all of the time. And so sometimes I do wonder, is it even possible to be actually happy? If you are happy, do you feel guilty all the time because other people aren't happy? Like I have so many questions.Monique Rhodes 3:06  I love it. Look, it's a really interesting point. So your point is that everywhere we go, we've got all these things that are showing us, there's loads of reason to be miserable, and that's the way that the mind works. So the mind automatically latches onto the negativity. But I really believe that you can create a little bubble of influence. It's just your bubble. We hear about the circle of influence, but literally, live in your bubble of influence. You can't do anything about what is happening in the politics in the world. You can't do anything about the natural disasters that are happening around the world, but I tell you what you can do. You can walk down the street and you can see someone that you've never met and smile and say hi to them, or go to the cashier at the supermarket and say, wow, you look so beautiful today. Well, how's your day going? There are so many small ways that we can influence our lives that we don't even think about. We can sit every day and say to ourselves, what am I grateful for? I mean, I can sit here right in this moment and just say to myself, What am I grateful? I'm grateful that next to me there's a glass of water, because there are so many people in the world that don't even have access to fresh water. I'm so grateful that you and I get to meet here, and we get to have this conversation. Because of the advent of the Internet, we have the ability to meet this way. I'm so grateful that I woke up this morning and I'm not in a war zone, because so many people in the world are so when we start to think about it, when we start to look at it and see being alive is one of the most unbelievable miracles, and what we do is we get ourselves caught in this kind of they call it hedonic adaptation, where we actually miss it. We've got so much stuff that we have that brings us comfort and happiness that we don't even see it anymore. And so what our brain latches onto is the novelty. And the novelty is often the negative. Oh, that person's going through this or this is happening. Oh my God. Look at the news. Oh my God. So getting ourselves into a place where we see that the novelty is actually all around us all the time is a really powerful way to lift down happiness levels. Lesley Logan 5:24  Oh my gosh. Okay, so many little takeaways there. First of all, anytime someone reminds me about being grateful, I am reminded that judgment and gratitude can't live in the same space, and so it's just starting to be grateful. And I love that you brought up like I'm grateful for this water, like I'm grateful if I have windows right now, in this moment, it is raining, and I love sunshine, but I'm so grateful that it's raining, because I live in the desert and we haven't had rain in 225 days. You know, finding because it's so easy to go, oh no, it's raining. I can't take the dog like you can always find those. So I find that that gratitude just starts to uplift. But I do love how you talked about the bubble of influence, because I think you're correct. Like, we start to go, oh my gosh, all this bad stuff is happening, and I can't do anything. And how is this affecting me? And how you start to do that? But my mom is one of those people who, when we go out, she finds a way to compliment strangers, every stranger walking past them at a hotel. She's oh, my gosh, I love those pants on you. And I'm like, I was in the middle of a conversation. And she just does that and so naturally. But I think because so few people do that, how they can touch someone's life in a way that they feel so seen, and we don't know who they are and how that could affect the rest of the world if we each hit our bubble, I imagine that there's a domino effect, that it gets bigger and bigger together.Monique Rhodes 6:36  You know, when I was a kid, my best friend's mother was very, very beautiful. She was a model when she was younger, and whenever you walked in the door at her house, she would look at you, and she would say to you, darling, you look absolutely gorgeous. And I remember as a kid that didn't come from a very good background, I would just melt into that. And sometimes I would show up, literally, looking as though I just rolled out of bed, but I knew that deep inside of her, she saw me, or I believed that she saw me. It was such an incredible gift that she gave, and it's something that I really focus on is giving that gift back, because we know when someone says it, I ran into a woman the other day. I haven't seen for a year. I only met her briefly once, and she saw me and she said, You look fantastic. And I walked away and went, ah, look at that. I mean, how good does that feel? There was no payback in her for saying it. She just said it, and how beautiful it is when we're on the receiving end of it. So whatever it is that we want in our life, we have to give it. If we want more love in our life, we have to give it. If we want the joy and the beauty of life, we have to show each other what it is that's how we lift our happiness levels. Don't wait for everybody else to make the world better. You know, there's stuff going on. There will always be stuff going on in the world until the day we die. But it's not about what's happening. It's about how we're responding to it. And we can always see the light. We always can see the light. And Lesley, I'm not saying that we bypass stuff in the last few months. You know, two of my friends have died, and it's not like, oh, I go, whoa my friends have died, and I'm still really happy. I am still really well, and I grieve and I feel it, but I don't let it control me. I allow the grief or I allow the difficulties and the challenges to be there. But my resilience is really strong because I also, alongside it, allow myself, even when there are difficult things happening, to see the beauty of my life and the world at the same time.Lesley Logan 8:55  You know, I'm so glad you brought that up, and I want to get more into happiness with you. But what I fear people take away is that toxic positivity? I'm sure you've heard of it. I lived in LA for 15 years, and living four hours away and watching the city of my memories burn, you know? And there are people who are like, ready to go, but now they'll get to rebuild back better and all this stuff. It's like, yes, is it too? What is the difference between happiness and seeing what is possible and toxic positivity?Monique Rhodes 9:22  Well, I think there's something really interesting that it's absolutely vital that we understand, is that whatever emotions you suppress means that you're suppressing emotions across the spectrum. So if I'm someone who says, whoa, I'm just positive all the time, and I don't look at the negative stuff. You actually don't really feel good all the time. So it's really important for us to understand if we want to experience joy and happiness and wellness, we have to be comfortable with experiencing discomfort. I mean, that's it. Otherwise we're just bypassing the whole thing. So I'm a really big teacher of take all your emotions and experience them and feel them. You don't have to act out on them. If you feel angry, sit with the anger. But where is it in my body? So this is the key, Lesley, is that to not run with the story. If I'm angry, to sit and go, wow, this is really interesting. I'm going to look at my anger and to shut down that story that says because he did this, and da, da, da, da, to sit there and go, oh, this is anger in my body, and it's making my shoulders tight and it's making my stomach feel a little sick and it feels warm in my body, and I'm just going to sit and observe it that is allowing the emotion. I don't know if you've ever watched the very famous TED Talk by Jill Bolte Taylor called My Stroke of Insight. It's really phenomenal. So Jill Bolte Taylor was a neuroscientist, and she had a stroke, and she watched herself have the stroke. It's really extraordinary, really worth watching. But one of the things that she discovered was that an emotion has a 90-second shelf life. Any emotion has a 90-second shelf life. So this becomes really interesting, because what we can then understand is if I do feel anger, and I have anger come up and rise up, and there it is. If I'm able just to sit with it for 90 seconds and allow it and observe it and let the story go in 90 seconds, it's going to be over. What is the only thing that keeps it going is this. I'll give you an example. I'm driving to work, and some idiot in their Range Rover cuts me off, right? And all of a sudden I feel this rage because I've got a fright, and I'm like, oh my God, that idiot in his Range Rover. And then I'm driving along, and I'm thinking about it. I'm thinking about it. Then I get to work, and I walk in the door and I say, you'll never believe what happened. And all of that fear and anger is boiling up again in my body because my mind doesn't know the difference between the experience it's remembering and the experience it had. So those emotions are still exactly the same. And then my partner calls me, and I say to him, oh my God, you would not believe what happened, right? Instead, I could have the experience. Allow it to happen for 90 seconds. Feel the anger, feel the fear, calm myself down. Let it go. Let it go.Lesley Logan 12:38  Oh, what a different day you'd have. Your work day would start off in a different space. I'm loving this. I can see my husband and I just setting a timer for each other, like, oh, okay, here's 90 seconds are on the clock. I'll come back.Monique Rhodes 12:55  You're at 93 seconds. Shut it down. It's really interesting, because when you do this, Lesley, what you start to understand is that you go through your day so often feeding negativity, and you start telling stories. Oh, you wouldn't believe what happened to this person and all of that. So if we can actually learn to shut up and just be very mindful about our conversations and say, Well, I can have those conversations if they're constructively looking at how I can solve a challenge. But so much of our conversation is around this happened, and you wouldn't believe it, and that happened, and our brain is creating imagery inside itself and reliving these experiences. We literally create so much of our stress and anxiety for ourselves. It's not even happening out there. It's happening in here.Lesley Logan 13:53  And also the person who cut you off doesn't even remember doing it. They've moved on.Monique Rhodes 13:59  No, it's interesting. I have a really good strategy that I use, which is this, when something happens that I have a relatively strong emotional reaction to, I ask myself the question of sixes. I can't remember where I first heard this. It might have been Brené Brown that first spoke about it, but I say to myself, will this matter in six minutes, in six hours, in six days, in six weeks, in six months? If it's six months or more, I say to myself, I need to pay attention. If it's less than six months, I literally say to myself, let it go, if there's nothing that I can practically do to work with it, if it's nothing that needs to be solved, or maybe I've done something that was wrong and I need to look at that, that's fine. Then I go away, I take responsibility, whatever it is, and I do the work on myself and otherwise it is a let it go. Do not waste your energy on it.Lesley Logan 15:05  Mind blown. And I love this so much because so as a recovering perfectionist, I'm someone who like, some days when I make a mistake, I can let it go, and some days I almost keep playing it in my head over and over because I'm upset at myself for the mistake that I made, or not seeing that that could have happened or been taken a certain way. And so I replay it, and I replay and then I get angry about their responses, and I get angry that I'm angry, and I do the whole thing, but I can imagine if I had just run through like, is it gonna matter in six minutes? Matter in six days, six weeks, six months? I bet I probably would've get to most of it not mattering at six months, I bet you it wouldn't, and so then I would probably not have to suffer. I could probably enjoy the yoga class I was taking while I was running through all that in my head.Monique Rhodes 15:52  But I might even have an added bonus for you, Lesley, is that your perfectionism served a purpose. You learned when you were a child that if you were perfect, you received love for it. And so that is where this behavior comes from. I keep doing this because I learned as a child that if I was perfect, I had to be perfect to be loved. I call it the Love Contract. And so one of the most powerful things you can do in those moments is not only say, does this matter? No, it doesn't. I'm enough as I am, and to love yourself in that moment, in your imperfection, and to know that your being perfect is not a direct line to being loved. Does that makes sense? Lesley Logan 16:42  It makes so much sense. And I feel like every listener who is a perfectionist recovering, we attract a lot of them here is like, kind of mind blown, because I do think that their perfectionism is what's keeping them from being happy. I'm sure you have plenty to say on that. And I think that in their desire to not be a perfectionist, I don't think that they're approaching it, because I know I'm not with just saying I am, I'm worthy of love like I'm enough right now, I don't think that's how we're approaching it. I think people who are trying not to be perfect are judging how much they let their perfectionism get them for the day. So I feel that that is such a good takeaway to, one, appreciate what you did as a child, because it was a survival thing to feel loved. And we all need to feel loved, to grow and get to where we are, and then to not judge ourselves for that, but instead welcome and have gratitude for who we are today and that we are enough in the moment that we are. I think what a great action step people can take that changes the emotions in their body. Monique Rhodes 17:37  Yeah, and to know that everyone does it. So every single one of us has learned one powerful strategy to get loved, and it could be I'm going to really excel at school, or I'm going to take care of people. You know, there's so many ways that this particular thing plays out, so that every single one of us, not just perfectionists, all of us, have something that we learn as a child will elicit love for us, and it's a really powerful thing. And then to look at that and go, does this still work? Actually, being a perfectionist is causing me all sorts of problems. I want to do really well in my life, but I've got to understand it's not that I need to be perfect, it's that I need to be loved, and we all need to be loved. So then we've got to go to the root of the tree and see how can I be loved without relying on being perfect to get it? Lesley Logan 18:31  Oh, everyone, write that in your journal. That's the next thing. Okay, I feel like I got so excited about all the things you have to say. I'm just like, obsessed with how much you know on this. But how did you get here? Like, how did you get to be, you know, the expert in this area, what was the journey? Monique Rhodes 18:46  Yeah, well, one of the beautiful and painful things about this journey of it was mine, Lesley. So I grew up, I was adopted at 10 days old, and I grew up in a very, very difficult situation in my family life. There were lots of really, really bad things that happened. And when I was 19, I ended up in a hospital having tried to take my own life. And I remember sitting there and saying to myself, this is going to go one way or the other. Either I have to give up or I have to do everything to heal myself. But I didn't really know what healing myself meant, because I saw, it appeared that everybody else was really happy, and I seemed to be the one who was broken and struggling. So I made a deal with myself that I was going to do everything that I could to try and heal this and myself. So went on a mission, and a little bit like an Olympian would, I did everything I did every therapy under the sun. I tried every technique. I traveled all over the world, really looking and seeing myself, but trying all sorts of methodologies to see what I could find. And probably the most powerful thing that I learned that encompassed a lot of what I teach is that happiness is not outside of me. Of course, there's lots of wonderful things. You know, I'm sitting here looking out at the ocean. I live here in Costa Rica in the jungle, and it's awesome. But actually, what is happening in my mind is the dictator of whether I'm happy or whether I'm suffering. And that was such a light bulb moment for me. And so then the focus came on, okay, so if it is about my mind, then what can I do to train and tame and optimize my mind so that I can live a really happy life? And the end result is that sometimes I think I'm annoyingly happy, you know, and it's like, I can't actually believe that this kind of happiness that I experience is possible, but it is, and now I have the incredible honor of teaching other people how to do exactly the same thing. Because for me, there was no path. There was no one saying, you do this, this and this. And so for me now I'm able to create that path for other people so that they can change their lives as well. And that makes me even happier, you know, because that's one of the things about happiness, is when you're in service to others, you know, taking care of other people to some degree, not at the expense of yourself, but to some degree, is one of the things that adds to your happiness. So I don't know, I just have this really amazing, amazing life.Lesley Logan 21:24  Wow. I think so many people could look back at part of your story and then feel sorry, but also how much of that took for you to be where you are and to share that with all of us. You know what I mean? If you didn't have that hard of a life and you didn't have that experience, would you have had the drive to figure that out, you know?Monique Rhodes 21:42  And I would just be teaching a theory, I would just be saying, well, you can do this, whereas I can tell you with 100% certainty, because I've seen it with so many of my students, that what I did with myself is something that can be replicated. And so when you go from being in a hospital at 19 in absolute despair, to waking up every day excited about the day, feeling like, oh my God. Does it get better than this? I know that those two states are possible by working with my mind. That's it. Lesley Logan 22:18  I'm really obsessed with this because I find, like most of my day, I do things that make me feel good, the way I wake up in the morning. I'm really, I'm so intentional about my morning routines, I might drive people crazy when I travel, because I'm like, no, you can't walk with me. I have to go for my walk. I need the sunshine. I need to do these things. But I know that, like, those things that I do are actually helping me get into my mind, find the happiness, get present. I have ADHD, and also an Aquarian, so I'm just like, air sign in my head. So I like, need all this, and so I'm obsessed with the different things that you've talked about, because there's so many of these things we can do that are free. And out of all the people that I've interviewed, at some point, you're like, paying for something. And obviously you probably have amazing tools we could all buy, but also giving a compliment to someone doesn't cost you anything.Monique Rhodes 23:04  And also, that means that happiness is available to everybody. It's not something that is only available to people with loads of money, but the media teaches us that it is because it's always trying to get us to buy something. So the truth is, is that there is no difference between me and a beggar in the slums of India, where I've spent a lot of time. There's no difference. You know, I remember the first time I really started to realize that the story wasn't as simple as I thought was the first time that I went to Thailand. It was my first time in a third world country, and I remember going through these canals in Bangkok, and I remember seeing a guy, and he had four bamboo posts and a tarpaulin over the top. And I remember him sitting there with this big smile on his face, and he had a little bag of belongings beside him. I remember thinking, I think that's the happiest guy I've ever seen in my life. And I didn't get it. I was young, you know? I didn't get it because everything I'd been led to believe was money, success, fame, power, that's where happiness lay. But what we actually see is that so many of the people that have fame, success, money and power, are freaking miserable. They're some of the most miserable people. And yet, I've spent a lot of time in India. So I traveled through India for four years on a motorcycle as part of my journey by myself.Lesley Logan 24:30  That is so cool. Monique Rhodes 24:31  Right? And one of the things that I found was that, my God, the Indian people, some of the poorest people, so generous, so loving, so kind, would literally give you the shirt off their back, so much happier than the people in the West. I remember when I went to India, and the first time I came back and someone said to me, I don't think I could go to India. And I was like, why is that? And they said, because I couldn't handle the poverty. I said, you know, what I realized from living in India for so long is that the mental poverty of the West is way more painful than the physical poverty of places like India. We live with so much comfort, particularly in the United States, completely comfort-obsessed and the levels of stress, anxiety and depression are through the roof.Lesley Logan 25:24  Yeah. I mean, we go to Cambodia, we have a helm there, and I am always amazed by the smile on the faces of people who sleep on the floor, and the generosity, because they so want to show you their life, and the generosity of them feeding you with the food that they really can't afford to have, but also it would take away from their joy and their happiness to not do that. So it's very interesting thing, and it makes you go, I'm judging them, but they're actually happy. They're actually happy. And I'm the one who's so concerned and so worried about all these different things, and that's from the Western mentality of growing up. And I'm a Pilates instructor as well. And the amount of people that cannot handle discomfort in their body, they're like, oh, that really hurts my ankles. And I'm like, pain, like, we're gonna break them, or just uncomfortable. And it's most of the time it is just uncomfortable. And I'm like, so this is a workout, and we have to be uncomfortable to change the body, otherwise, you stay the way you were and you came here for something different. So, you know, I think it's really interesting how many of us cannot handle discomfort in so many different ways, not just in the way we travel, but the way we move our body, the way we want our day to go. We don't like when anything gets out of the way, because then it's going to affect things. But also, even if everything went perfectly. They're not happy anyways.Monique Rhodes 26:41  Think about the culture of the United States as an example. Right? Whenever I go to the States now I think about it. You have very comfortable cars. You have very comfortable wide roads. You have the comfort of going to all these shopping malls everywhere. You have the comfort of being able to order anything up to your house if you can't even be bothered walking out the door. You know the thing is, is that when you live in a third world country, like I live in Costa Rica, which is like a poorer country, and it's so beautiful, the other day, I was down at the beach and I got a flat tire, and I needed to go home and get something to change the tire. Because I do want you to know that I can change my own tire, even though I've got a big truck, because I live somewhere where you need four wheel drive. Anyway, I needed to go home, and I didn't have my phone with me because I was at the beach, and there was just this guy at the beach, and he had a little stand, and he just packed his stand up, got me in the car and drove me home. And I was like, I loved it. I loved it. Like it really put him out, and it was for no reason but the kindness. And what happens is that when we live in a world that doesn't have all of the comforts, people rely on each other more. When you get into a first world country, people are relying on each other less. They wake up in the morning in their little bubble, and then they get into their little bubble, and they drive to their little bubble, and they do their work in their little bubble, and then they go home and they watch TV for the rest of the day, you know? And it's like, actually, what we need is connection. We need community. We need belonging. We need to be with each other and interact with each other and get off our phones and actually see people, because that is what brings the nervous system down. That's what makes us well. So we kind of look at the West as this ideological state of, wow, look at all the stuff we've got, but all of it actually is taking away so much from the things that actually make us happy. Lesley Logan 28:41  It is, oh my gosh, it really is. As we're recording this, in two days, I get to go to Cambodia, and I'm so excited because I just needed to be too hot, too humid, and I need, I need to be freaked out a little bit about making a left hand turn into oncoming traffic, like I need. There's something about getting out of all the comfort that we have here to remind ourselves, what do I truly need anyways? And what I love about it is because there is so much less distraction. It's every sunrise and every sunset is beautiful. Every rooster that wakes you up is the coolest thing. The wedding that goes until three in the morning, you're like, who's getting married right now? Because you don't have these other distractions. There's something you can see the beauty in all of these things. And so I do think it's a challenge, though, because so many people are afraid of letting go of their comfort. I guess I'm wondering, do you have like, baby steps for getting uncomfortable?Monique Rhodes 29:36  I want to point out that the Pilates lady is more than likely uncomfortable in lots of ways. So she will avoid discomfort all over the place. She will not tell her husband that she's unhappy in her marriage. She will let her kid rule her rather than tell her kid off. There'll be a series of things that she does. It's really important we can handle discomfort. So one of the first things that I'm going to encourage people to do is to travel. Traveling is incredible, and I have traveled all over the world. And I'm going to say this just I'm going to tell you this truth for fun, I've slept in the slums in India, and I have spent weeks in a castle in Switzerland, and the truth is, is that it's all the same at the end of the day. There's nothing about the castle in Switzerland that was any better than the slums in India. So get yourself into places where you go somewhere like maybe go to Mexico or something. Don't stay at a fancy resort, stay at a little guest house. That's what I did through India for four years. I just stayed at little guest house like I literally lived on about $500 a month. That's what I lived on. Ate simply, lived simply because. Why? Because it made me strong. Made me stronger. If I can handle physical discomfort, I can handle emotional discomfort. So that's the first thing is to start to look and see maybe I can travel differently, or maybe I can think about, what are all the things that I have in my house that create comfort? What if tonight I sit on the floor, or what if tonight I give up something? You know, that's a really powerful thing, is to say to yourself, What could I give up for a week? Maybe I'm going to give up the dishwasher for a week, which, to me, is funny, because I don't have a dishwasher here. Maybe I could give up TV for a week. Maybe I could give up driving for a week. I don't know, choose something that's manageable, and give it up for a week, and then you start to appreciate it, because all of a sudden you don't have it. And that's a really powerful way so that when it comes back, you all of a sudden, are like, wow, I have this whole new appreciation for this thing, and to really make that correlation between discomfort and the ability to handle it equals strength. So you might even have a little journal for yourself where you say, every single day, I'm going to do something that makes me uncomfortable. I'm going to make that phone call that I don't want to make. I'm going to compliment someone in the street. Whatever it is, it's a muscle. It's literally, the muscle is courage and if you can build that muscle of courage, then you can handle any discomfort. You can literally put me anywhere with anybody, and I can handle it. And I know it from so many years of traveling solo around the world, but that wasn't just oh, it's just because it's who I am. It's because I've built the muscle of courage, and I consistently look for ways that I can flex it. If there's something that I'm afraid of, then I'll go, oh, here we go. Okay, I live in a country that has a lot of spiders, and I don't like spiders. I can actually handle a tarantula in my kitchen these days. I mean, how amazing is that? I don't even know how to, I don't know how to do that because it's just courage to tell a different story. It's all it is. That's it, Lesley, it's just a story. What story do I tell? Do I say to myself, I'm going to break my ankles in the Pilates class or do I say to myself, I'm strengthening them? Do I see someone in the street and think to myself, I'm too scared to tell them how beautiful they are? Or do I think to myself, this isn't about me. This person is going to feel amazing when they hear this. So, so much is the stories that we tell ourselves. You get to choose the story you tell yourself, but always flex that muscle of courage like your life depends on it, because it may.Lesley Logan 33:54  I mean, I feel like courage is to be happy, and this life is courageous because it goes against the grain of what everyone is telling us, we should be we should be suffering, we should want for more, we, we don't have enough. And what I'm hearing you say, because I was really excited about this conversation, because I do wonder, like, can you truly be happy? And is happiness like being in the clouds? Like, do you know what I mean? Like, you have to ignore everything just to be happy. And what I'm loving from you is it's actually being in it all. In fact, go being the thing that makes you scared or makes you nervous or feels uncomfortable, and what can you become grateful for? Because that's where you're going to become happy. Monique Rhodes 34:35  And also, think about it, Lesley, whenever you do something that you were afraid of and you managed to do it. There are very few better feelings in the whole world than that. So what the other side of fear there is often a feeling of incredible, sometimes exhilaration, but deep joy and happiness in yourself, because you start to see what am I capable of, and we're always so much more capable than we ever give ourselves credit for, or that anybody ever told us we were. Whenever I'm with my friends' kids, because I don't have kids myself, my sole goal is to show them that they are way more beautiful, wonderful, intelligent and capable, then they may see themselves at the moment. My only job is their honorary auntie. That's it. Is to show them possibility. Who's going to show you possibility? Well, you can show yourself possibility. Well, okay, so how do I do that? Well, every day, because this is the key is that happiness is a habit, so you've got to do habitual stuff. So every day you sit down, you set yourself a little challenge. You say to yourself, Okay, for 90 days, I'm going to sit down every morning, and I'm going to challenge myself to one, one thing. For 90 days. I'm going to do a courage challenge for 90 days. Discomfort courage challenge, or I might call it a possibility challenge. Okay, well, I'd like to learn how to change a tire. I'm like, oh, I'm going to do it. Go onto YouTube. So easy, right? If you don't know how to do it I'll make you a video, because I love changing tires because that's what you learn as a young New Zealander growing up, your dad always teaches you, so you never get yourself in trouble how to change the tire, right, or it might be, oh, there's something on my computer that I don't know how to do. You know that I'm struggling with. Okay. So learn it. Learn it. Move yourself out of this discomfort. So I'm often giving my students 90 day challenges. That's what I love doing. Give them a challenge for 90 days and say, let's work at this. I'm working with one of my students now who literally is working with discomfort so she can build that muscle. She's a friggin CEO of a company, big company, but she shies away from a lot of that discomfort and kind of manages things. So now it's who am I if I step into it, does it matter if I can't do it? Because that's the fear, because she's super capable. What if I can't do it? If I can't do it, I bypass it, I shy away. So now we're stepping her into 90 days of things that she can't do, and she is just loving it, because there's a whole other element of herself that's coming out and is so powerful. Imagine for 90 days doing every day, doing one little thing, one little thing. Tonight, I'm going to make a new recipe for dinner, or today I'm going to go to a different Pilates class, or I'm going to go a different way to work just those little things that take you out of your habitual comfort ways all of a sudden, without even realizing it, your confidence starts to grow because you're moving yourself in directions that you didn't actually realize. You didn't realize you were caught in a little box. Lesley Logan 37:59  Yeah, it's a muscle we all need. It's often what's keeping people like, we call this, be it till you see it. It's the confidence. And I'm like, well, how are you gonna get confidence unless you do the thing you know, like you're born with confidence. I don't think so. I think you could have parents or people around you who remind you that you're doing things that are hard and amazing, that you're confident. But I find that the things that I do that are not things I was trying to do. I do them scared, and I know a few things about myself. I don't quit. I will figure out an answer, and if I don't like it at the other side of it, then I don't have to keep doing it. But right? But like, I'm gonna give it a go. I'm gonna give it the best shot. And then you get a confidence in the area, and it covers you into other areas you feel like you're not going to be confident, because you have evidence that you can do things that are hard, you can do things that are scary, you can do things that are uncomfortable. And that's part of the happiness. You know? Monique Rhodes 38:49  But there's a payoff to it. It's really interesting because before I started teaching this, I was a singer, and I toured all over the world. When you go out on stage, and I've been on stage where the, you know, there's been 10,000 people and just me and my guitar. You go out on the stage and you've got two choices, and it's a hard choice. One, I can do a really good, solid set. I can do a good, solid set where I know all the notes that I'm going to sing and it's going to be safe, and that's what life is like. You can go through your life and you can say, I'm going to do a really solid set with my life. It's not going to be amazing, it's going to be good, but I might feel a bit meh, it's going to be good. Or you can go out on that stage and you can say to yourself, I'm going to go for it. I am going to go for the phenomenal, for the extraordinary, which is what I chose. I said to myself, when I got out of that hospital, I said, I want an extraordinary life. That's what I wanted, and that is what I've had, and that is what I live and I have to be comfortable with falling flat on my face. I have to be and the truth is, is that the weird thing is, is that I so rarely do. That's the weird thing, is that it's the times that I fall down are so much less than I ever would have I would have thought it'd be 50-50, it's not. It's probably about 1% of the time that I've flat on my face. And I'm really comfortable with it. I'm really good with it. Because the payoff is, is that I'm hitting the high notes. I am hitting the high notes, and I'm having this life that is awesome and fascinating and interesting, and I thrive in it. And so we've got to understand that it's a choice. So we've got to get comfortable with discomfort so that we can go for the high notes. If we're not comfortable with discomfort, we're always going to shy away and go for the comfort.Lesley Logan 40:40  Oh yeah, Monique, I could talk to you for hours, but I've learned so much. I'm reminded of things that I've always wanted to do, or I used to do, and I feel like this is just such a solid, I feel like everyone's getting something from this. We're gonna take a brief break and find out where people can find you, follow you, work with you. Lesley Logan 40:56  All right, Monique Rhodes, where do you hang out? And we know you're in Costa Rica, but can people connect with you online? Can they work with you? Where's all the good stuff?Monique Rhodes 41:03  Yeah, absolutely. You can come to Costa Rica. I do retreats down here because I live the dream life Lesley, one of the most amazing retreat centers in the world, is five minutes from where I live. It's called Blue Spirit down here in Nosara in Costa Rica. So I host retreats here every year. But also the easiest way to come and find me is I have a website called I Intend To Be Happy, and that's the place that you can come and find me and start working with me. And I just love nothing more than helping people shift their happiness and really understand it. Listen, Lesley, if I can do it, anyone can, I'm no genius, I'm no superstar. I'm just a 19-year-old kid that wanted to change her life and managed to do it.Lesley Logan 41:47  Oh yeah, everyone, please go and you know, let me know how it goes. I'm also going to look at your retreats, because I've been itching to get to Costa Rica, and I feel like this is a sign. Okay, you've given us so much already, and so feel free to remind us what you've already told us, or any bold, executable, intrinsic or targeted steps people can take to be it till they see it. What you have for us?Monique Rhodes 42:06  I just think that it's really important to get to know you, to know that we live in a world that will consistently distract you from getting to know you. And one of the most powerful gifts that you can give yourself is to say, listen, there's a lot of noise out there. Let me, and you might have to do it gently, slowly but surely. Let me take time where I'm not running away from me. And I think that's one of the most powerful things, because the more you get to know you, and I know sometimes we think, by get to know me, I'll be afraid of me, but you won't be and to really just every day, take a little bit, take three minutes and just sit quietly or learn a meditation practice, just to get to know you. If you do that, it will change your life. I know myself so well. I have gone from being my own worst enemy, almost critic to being my own biggest cheerleader. So I don't actually need anybody else to bump me up or keep me going or help me like within myself, I'm able to, don't get me wrong, I've got amazing friends, and I love them, and there are times I need to discuss things, but day to day, I've got it all here because I'm my cheerleader. I'm the one that knows me best, and I'm the one that can help me along the path. And I think it's a really, really important thing for each of us to understand. Don't fall into all the distractions of the world. They're literally taking over your mind. Take your mind back. Take your power back. That's where it lies, right, right here.Lesley Logan 43:43  Obsessed with you. Love you already, and you don't even need my compliment, because you are already happy without that. Everything about this is fabulous. You guys. How are going to use these tips in your life? I want to know. Monique wants to know. Please share this with a friend who needs to hear it. Honestly, especially those friends you care about, who you sometimes feel like you're avoiding because they are a downer on your day. They probably need to hear this the most, and then you all can have a bubble of influence. I'm just, yes, thank you, Monique, for this and everyone, until next time, Be It Till You See It. Lesley Logan 44:14  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 44:56  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 45:01  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 45:06  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 45:13  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 45:16  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

Jonny and Richard answer audience questions about Ross Kemp in a Twingo boot on Top Gear, seeing secret cars before they're announced, concept cars you wish had been made, getting embarrassed by your kids, choosing a new voice to be stuck with, dream podcast guests, best and worst cars to live in, and Panda or Range Rover regrets. For early, ad-free episodes and extra content go to patreon.com/smithandsniff To buy merch and tickets to live podcast recordings go to smithandsniff.com  Get bonus content on Patreon Hosted on Acast. See acast.com/privacy for more information.

This week, we get into Unhinged, or as we like to call it, “Falling Brown”... like the Michael Douglas movie, but with “brown” meaning poop. They really thought they had something like this one with their whole “man is pushed too far” thing, but in order for that to work, the characters need to be written as likeable. BUMMER!Rotund and reckless Russell road-rages ruthlessly rather than reflecting, then rejecting the rules and ramming a Range Rover! Hammer man! Underfunded federales! Idiot adolescent accidentally alerting intruder to area! Minivan mother mockery! Facile feelings for flaming Fred! Pancaked piggies! Homicide by proxy, and much, much more on this week's episode of The Worst Movie Ever Made! www.theworstmovieevermade.com 

On this week's episode of The Therapy Crouch, Peter and Abbey dive into the chaos, comedy, and controversy surrounding Mother's Day, while Peter desperately tries to navigate the unwritten rules of making the day special—without accidentally putting his foot in it.From the hilarious debate over what actually constitutes an acceptable Mother's Day gift (is a lie-in really enough?) to the listener stories of husbands who spectacularly missed the mark, this episode is packed with laughs, frustration, and the ultimate relationship truths.Plus, Abbey reveals her latest impulse decision involving two Shetland ponies and three sheep, while Peter gets grilled over his very suspicious ‘pre-golf swim'. The Agony Abs section is all about sibling rivalry, freeloading family members, and the eternal question: why don't stepmums get enough Mother's Day recognition?!If you want to submit a question to the pod, hit the link below!https://docs.google.com/forms/d/1Mv3i0N5Jm1Kkjvd-4iUkpJEV1_Tisgq58siorNb9zS0/editOslo Skin Lab: https://www.osloskinlab.co.uk/products/the-solution-collagen?campcode=TSIFMEA0925UKO&utm_source=Instagram%20&utm_medium=Influencer&utm_content=IG_influencer&utm_campaign=TSIFMEA0925UKO_AbbeyClancy6030

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.

Volume 37 of Brad & Mira For the Culture...Alec in therapy...Hilaria in fishnets...Kanye copyrights his child's name...Kim gets medieval...Tracy Morgan projectile vomits on the court at Madison Square Garden...& more.... *** Otherppl with Brad Listi is a weekly podcast featuring in-depth interviews with today's leading writers. Available where podcasts are available: Apple Podcasts, Spotify, YouTube, etc. Subscribe to Brad Listi's email newsletter. Support the show on Patreon Merch Twitter Instagram  TikTok Bluesky Email the show: letters [at] otherppl [dot] com The podcast is a proud affiliate partner of Bookshop, working to support local, independent bookstores. Learn more about your ad choices. Visit megaphone.fm/adchoices

2000HP, twin turbos, and a manual transmission – is this the ultimate fun off-roader?A 2000hp twin-turbo Lamborghini V10 in a street-legal off-road monster? That's exactly what ‪@MorganClarkeDesign1‬ aka MCD1 built with this prototype Range Rover Velar Dakar-inspired hyper off-roader.Use ‘PODCAST75' for $75 off your first HPA course here: https://hpcdmy.co/hpa-tuned-inDesigned as a luxury play car rather than a full race build, this machine blends extreme off-road capability with high-end comfort. Featuring a pressurized cabin, air conditioning, full Range Rover infotainment, and an Albins 5-speed synchromesh manual gearbox, it delivers an unmatched high-performance driving experience—whether blasting through dunes or cruising on the street.Morgan explains the design process, balancing form and function, and why CAD modelling vs. hands-on fabrication played a unique role in the build. With carbon fibre body panels, fully billet CNC suspension, and a fully custom chassis, every inch of this machine has been engineered for both durability and aesthetics.With just 7 units being produced, this million-dollar build is set to redefine the limits of off-road luxury performance.

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Thank you to my sponsors: Ridge Wallet & BlueChew Ridge Wallet - Take advantage of Ridge's once-a-year anniversary sale and get UP TO 40% Off right now by going to https://www.Ridge.com/FDL #Ridgepod BlueChew - Go to https://bluechew.com to try your first month of BlueChew FREE when you use promo code DAVID -- just pay $5 shipping More Samcrac YouTube: https://www.youtube.com/@Samcrac IG: https://www.instagram.com/samcracc Facebook: https://www.facebook.com/SamcracAuto Range Rover video reference from episode: I Bought a $1,400 RANGE ROVER at Auction with MYSTERY Mechanical Damage SIGHT UNSEEN!https://www.youtube.com/watch?v=bA0NtAXiPy0 0:00 Fishing in Tampa with Samcrac 6:47 How Samcrac Got Into Fixing Cars 9:12 Range Rover Problems 20:13 Working in Radio, David Tempts Samcrac to Say the Word 32:13 Underground Bunkers, Fish Are Biting, Florida Heat 36:00 Building a Car 47:40 Android Phones, Short vs Long Content 52:21 Service Mechanics, Dream Cars New Tour Dates: https://punchup.live/davidlucas New Merch: https://shopdavidlucas.com/ Become a member to get custom emojis: https://www.youtube.com/@DavidLucasComedian/join Connect with David Lucas Website: https://www.davidlucascomedy.com Merch: https://shopdavidlucas.com/ Instagram: https://www.instagram.com/davidlucasfunny Twitter: https://twitter.com/funnydavidlucas Youtube: ​⁠@DavidLucasComedian David Lucas was born in Macon, GA. He started acting an early age, performing in numerous stage plays at the Macon Little Theatre. He relocated to Hollywood where he was a contestant on, “MTV Yo Momma”. He has since written for several television shows and continues to perform stand up all over the country (for such comedians as Louis CK, Erik Griffin, Joe Rogan, Brendan Schaub, Tony Hinchcliffe, Bert Kreisher, DL Hughley and many more). David is a Kill Tony Hall of Famer and currently headlining his own tour! Filmed By Daniel Casas https://www.instagram.com/presentedbydaniel A 7EQUIS Network Show https://www.7equis.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Hay coches descapotables muy bonitos. Sin duda, la mayoría. Y me puse a preparar un guion sobre los 10 más bonitos. Luego pensé, ¿y si busco los más bonitos y las más feos? Y me puse manos a la obra porque… ¿creéis que es posible hacer un descapotable feo? Ya veréis que sí. Tanto me sorprendí, que este video está dedicado unicamente a los feos… así es la vida. ¿Habéis oído las advertencias? ¡Pues hacedlas caso! Bromas aparte, algunos de estos coches ya los conocéis pues pese a ser descapotables se han “colado” en las listas de los coches más feos de la historia en la categoría que podríamos denominar “absoluta” … Si diseñar coches feos ya tiene cierto mérito, conseguir que un descapotable sea fea tiene aún más mérito… pero hay gente que lo consigue. Después de esta lista, me lo contáis. Pero os adelanto una cosa, ya he puesto este ejemplo otras veces, hay perritos tan, pero tan feos… que tienen su encanto… pues con alguno de estos coches sucede lo mismo. Iba a ordenarlos de menos feo a más feo. ¡He cambiado de opinión! Voy a ordenarlos por orden alfabético de marca y luego vosotros me decís cuál es vuestro “podio” con los tres más feos. ¡Vamos allá! 1. Chrysler PT Cruiser Convertible (2004). La tontería de hacer un SUV descapotable ya la hizo, entre otro, Range Rover con su precioso Evoque Cabrio, un coche absurdo, pesado, poco práctico y caro, que no triunfo, pero tuvo su público. 2. Chevrolet SSR (2003). Ya hemos visto que se puede quitar el techo a un monovolumen o a un SUV… y en Chrysler alguien, con una pick up delante, dijo la famosa frase de “hay que no hay huev*** de quitar el techo a un pick up”. 3. Ford Streetka (2003). Comienzo con una confesión: Yo rengo un Ford Ka, pero el “Plus” de 5 puertas, el coche que fue de mi hijo y que de momento he heredado yo como coche “utilitario”. Pero el primer Ka era, según Ford, un modelo muy original. Según yo, un modelo muy feo. 4. Geo Metro Convertible (1992). Ya sabéis mi simpatía por Suzuki, nunca la he ocultado. Aunque desde luego el Suzuki Cultus no es el mejor ni el más bonito. Y de este modelo derivaba el Geo Metro. 5. Mitsubishi Colt CZC (2006). A ver, realmente más que feo este coche es que parece de chiste, como una caricatura. Es un coche con apenas 3,8 metros de largo y hacer un descapotable de esa longitud que sea bonito, no es fácil. 6. Nissan Micra (2005). En realidad, un “Cabrio Coupé” más que un descapotable puro, de esos que arrasaron a finales de los 90 y sobre todo principios de los 2000 y que luego han desaparecido. 7. Nissan Murano CrossCabriolet (2011). Otros “visionarios” que pensaron: “Vamos a hacer un SUV Cabriolet y lo vamos a petar” y partiendo de un Murano, un coche discreto y hasta elegante, diseñaron este CrossCabriolet que desde luego no era ni discreto ni elegante. 8. Peugeot 206 CC (2001). Vo a ser claro: No me gustan ninguno de los Peugeot CC, ni este 206 ni el 207 ni el 308. En estos modelos de tracción delantera, querer rebajar la línea de cintura hace que el morro, en proporción, sea mucho más voluminoso que la parte posterior… me parecen, por expresarlo de alguna manera, “cabezones”. 9. Pontiac Sunfire (1995). Aquí estamos, en mi opinión ante uno de los coches que puede hacer podio en esta elección. Este o el Chevrolet Cavalier Cabrio, que era más o menos el mismo engendro… perdón… el mismo coche. 10. Siata 500 Record (1938). Me he centrado en modelos más recientes, aunque no quería olvidarme de oros más antiguos. Porque coches feos se hacen ahora, pero en mayor o menor medido, se han hecho siempre. 11. Subaru STi Convertible (2011). Sí, aunque no lo parezca hay algo más tonto que hacer un SUV, un monovolumen o un Pick Up descapotable. ¿El qué? Hacer descapotable un coche de 4 puertas nacido para los rallyes. 12. Veritas SP90 Spohn (1949). Esta marca alemana no es muy conocida… no me extraña que si hacía estos coches muchos la hayan querido olvidar. Os recuerdo una cosa: En 1936 nació el BMW 328 un deportivo diseñado por Fritz Fiedler que es realmente bonito. 12+1. Yugo 55 Convertible (1990). Un candidato a pelear por las primeras posiciones en esta selección del cabrio más feo de la historia. Este modelo, conocido por Yugo 55 o GV en Europa y por Zastava Koral en mercados del Este, era la versión sintecho del conocido Yugo, uno de los coches que siempre están en la lista de los más feos o los más peligrosos… a mí me da penita, pero es lo que hay.

At the beggining of every show Tricia shares the first thing that made her laugh.  Here is all of them for the week ending March 7, 2025.

In this week's episode of The Underpowered Hour, Stephen Beres is joined by guest host Joe from Lost Cause Ranch. They discuss Joe's adventures across the Midwest with his Land Rover Series vehicles, his experiences at various off-roading events, and the latest news regarding the Land Rover Defender. They also delve into the specifics of Joe's Freelanders, his work on a unique Range Rover camper conversion, and the completion of his impressive shop facility. This episode is packed with anecdotes, technical insights, and a touch of humor as Stephen and Joe share their passion for Land Rovers.

Post Malone joins Nirvana, Gabby Petito documentary, bikers crash into Range Rover on Rodeo Drive  https://www.patreon.com/c/HateWatchPodcast  Support the show and get your new 3-month premium wireless plan for $15 a month. Head to https://www.mintmobile.com/HATEWATCH

We talk with SCCA Hall of Fame race car driver Randy Pobst. From his racing origins in a Mk1 VW Rabbit, to his 2 wins at the 24 Hours of Daytona, and his personal car collection – including his Smokey and the Bandit Trans Am and Flyin' Moose Volvo 740.  To start, we'll dive into Randy's racing experience: factory contracts with Porsche, Mazda, Volvo, and Toyota. Winning the 24 Hours of Daytona not once, but twice, and his 2015 induction into the SCCA Hall of Fame. We'll cover his exploits at Thunderhill, VIR, Road Atlanta, Laguna Seca, Daytona, Pikes Peak, Sonoma, Lime Rock, Willow Springs, and more!  From humble origins in a Mk1 VW Golf (no, not a GTI), to a factory-backed FX16 Toyota Corolla, to setting a Laguna Seca lap record in a McLaren Senna. Randy even worked on the set of 2 Fast 2 Furious as a driving instructor for the film's stars: Paul Walker, Tyrese Gibson, and Devon Aoki – to name a few.  Randy eventually met Jason while filming an uncooperative Cayman GT4 for Motor Trend, and, despite a rocky start when Jason unexpectedly flung a Range Rover off track while racing Randy in an Alfa Romeo 4C, the two teamed up again to film multiple Ultimate Drag Race, Lap Battle and ICONS episodes for Hagerty. The whole gang laments some of the most irritating modern car tech: excessively bright headlights, lights that are somehow off at night, ABS systems that fully shut down when traveling backwards, AEB overreach, and EPAS systems that completely ruin a car's limit handling by curtailing the driver's ability to quickly catch a slide (like the Shelby GT350 Randy repeatedly spun and Jason crinkled at Willow Springs – not to mention the Unplugged Performance Tesla Model 3 Randy famously wrecked at Pikes Peak).  Speaking of handling, Randy divulges his dislike of twitchy cars like the Jaguar F-Type R and XJ, the KTM X-Bow, and Ariel Atom. Jason on the other hand loves an ass-y car like the V12 Vantage S, but says the Lotus Exige V6 Cup was so tail-happy it was uncontrollable. The Porsche Carrera GT is somewhere in the middle with mixed reviews and experience all around. While on the topic of handling dynamics, Randy tells us his secret plan to invent a fix for the C8 Corvette's trailing throttle oversteer. He also gives praise to Porsche's Lars Kern for his work on the latest crop of RS products – which may or may not be Randy's favorite track cars of all time out of the box, alongside the 2014 Porsche 911 50th Anniversary Edition. All of which receive top marks on Randy's understeer spectrum, and are polar opposites of the likes of a 1960s Cadillac.  We'll touch on Randy's personal car collection as well, which includes a Volvo 740 sedan and wagon, his 1977 Pontiac Trans Am “Randit” (and its oil starvation woes), Toyota Tundra tow vehicle, VW Karmann Ghia and early Tesla Model S.  Plus, Derek invents a new phrase for “road rage”, Randy bitch slaps cars out of his way, and also beautifully sings Primus' Wynona's Big Brown Beaver. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Underpowered Hour, host Stephen Beres and guest host Liza Beres discuss the newest electric Range Rover Evoque, international reviews of the Okta Defender, and JLR's significant investment in their technology hub in Portland. Join us as we delve into the latest Land Rover news and updates, personal anecdotes, and a humorous comparison of Ike Goss to famous actors. Don't miss this action-packed episode!https://www.autoevolution.com/news/new-range-rover-velar-morphing-into-an-electric-crossover-for-2026-246922.htmlhttps://www.drive.com.au/reviews/2025-land-rover-defender-octa-review/https://media.jaguarlandrover.com/en-us/news/2025/02/jlr-investing-180m-its-north-american-tech-hub-developing-connected-car-and-driver-aid

Happy Thursday, Reality Junkies! Sarah is back, and she's bringing ALL the tea!

Can you help me make more podcasts? Consider supporting me on Patreon as the service is 100% funded by you: https://EVne.ws/patreon You can read all the latest news on the blog here: https://EVne.ws/blog Subscribe for free and listen to the podcast on audio platforms: ➤ Apple: https://EVne.ws/apple ➤ YouTube Music: https://EVne.ws/youtubemusic ➤ Spotify: https://EVne.ws/spotify ➤ TuneIn: https://EVne.ws/tunein ➤ iHeart: https://EVne.ws/iheart RENAULT 5 LAUNCHES IN THE UK https://evne.ws/4jEE8ak HYUNDAI AIMS FOR GROWTH WITH NEW INSTER EV https://evne.ws/3PYgFDq GENESIS G90 WILL EXPAND ELECTRIC SUV OFFERINGS https://evne.ws/4gfaxS8 RANGE ROVER ELECTRIC LAUNCHING SOON WITH HIGH DEMAND https://evne.ws/40VH9vT VOLKSWAGEN CONSIDERS U.S. FACTORIES FOR AUDI AND PORSCHE https://evne.ws/3CsNVQa UK - £65 MILLION FOR EV CHARGING EXPANSION https://evne.ws/4gfTWxr REINSTATING CAR GRANT TO BOOST ELECTRIC VEHICLE SALES https://evne.ws/40zPnIw NORTHVOLT SELLS SHARE IN NOVO ENERGY TO VOLVO CARS https://evne.ws/40Ql0is POLAND'S CALL TO BOYCOTT TESLA OVER MUSK'S REMARKS https://evne.ws/40yZNs2 EFLEXISLECTRIC VANS SET FOR 2026 LAUNCH https://evne.ws/40FrI9s BMW ENHANCES PLUG-IN HYBRID ELECTRIC VEHICLES https://evne.ws/3EeXJOt NEW CHARGING TEST FACILITY OPENS AT AUDI https://evne.ws/4jAstcK

Land Cruiser is one of Toyota's – and, arguably, the world's – most haloed marques. In this episode, Jason and Derek discuss its origins and history from its jeep origins, to its enormous family tree, all the way up to the brand new 250-series models, the 2024 Toyota Land Cruiser and Lexus GX550. Jason and the Hagerty crew traveled to the rugged, mountainous outskirts of Salt Lake City (and the nearby Land Cruiser Heritage Museum) to film an ICONS episode on the illustrious off-roading Toyota. And in this episode, the carmudgeons dive into the origins of the Japanese jeep and its Attila-grade family tree of subsequent series: the 20-series Land Cruiser and then the, 40, 55, 60, 70, 80, 100, 200, 250, and 300, just to name a few!  The FJs, BJs, the Iron Pig, heavy duties, station wagons, Prados, the Lexus-badged models like the LX600 and GX550 (Motor 1's SUV of the year!). We'll even cover the Land Cruiser's competition along the way: the Jeep Wrangler, Compass, Cherokee, Grand Cherokee, and Wagoneer; the Land Rover Defender, Range Rover, Velar, Discovery and Evoque; even the Ford Bronco and International Scout.  In addition to the WWII Willys Jeep 4x4, we'll cover the origin of the “J” in BJ and FJ – an abbreviation for jeep, which itself many believe is a pseudo-acronym for GP or “general purpose,” but a fact-check says otherwise. Even the Land Cruiser name itself was a tweaked version of the Land Rover moniker to make Rando-kurūzā in Japan.   Jason also reviews both of the new 250-series Prado trucks: the 2024 Toyota Land Cruiser and 2024 Lexus GX550. We'll talk powertrain, styling, cargo and passenger capacity, comfort, handling, NVH, luxury, and more.  Now let's get to it! Learn more about your ad choices. Visit megaphone.fm/adchoices