Podcasts about Rensburg

Have you ever felt disconnected from yourself or others, or struggled with an issue you couldn't openly discuss? Independent filmmaker Odette van Rensburg highlights the difficulties and rewards of making documentaries on taboo issues like suicide, suicide ideation and unexpected forms of domestic violence. Thought-provoking films like ‘Disconnected' and ‘A Shell of Herself' challenge us to look beyond others' masks, confront our own feelings, and establish stronger connections. Sensitive content, intended for adults: suicide and domestic violence are discussed. www.mariettesnyman.co.za · www.dogsontherunproduction.com · Dogs on the Run Production YouTube channel · This episode's podcast notes and photographs · www.facebook.com · www.instagram.com · www.linkedin.com

James 1:22We believe the church isn't a building—it's people. And when each of those people knows who they are and what they believe, they can achieve incredible things together. In our new series, We Are the Church, let's learn more about who we are and how we can work together to change the world.

In this episode, we dive into the role of PayInc. (formerly BankservAfrica) at the heart of South Africa's payments ecosystem. With 53 years of experience, PayInc. has been instrumental in building and maintaining the country's payment infrastructure. Today, it processes nearly 400 million transactions a month, ensuring that payments are secure, reliable, and always on. From card swipes to instant transfers, their systems quietly power the economy while supporting financial inclusion for millions. We also explore the evolution of payments over the past five decades, the technology behind high-availability systems, and how PayInc. is modernizing through cloud, microservices, and AI-driven innovation. With a focus on resilience and scalability, their work keeps South Africa's financial systems running 24/7, even during peak times like paydays and Black Friday.

20250928AM - Ministered in the morning service at ‘Incite Church', Pastor Lloyd Jansen van Rensburg ministered on, ‘But Jesus'.

20250928PM - Ministered in the evening service at ‘Incite Church', Pastor Lloyd Jansen van Rensburg ministered on, ‘Healing is the Will of God'.

On the ReBloom Podcast, we had the joy of speaking with Ziggy Attias and Beulah van Rensburg, the creative forces behind Chateau d'Orquevaux. Tucked away in the French countryside, the Chateau has become a world-renowned residency welcoming artists from more than 125 countries—a true haven for creativity, connection, and inspiration.Ziggy, an artist, designer, entrepreneur, and award-winning filmmaker, co-directs the residency with the vision of building community and giving artists a home to grow. Beulah, Co-Founder and Residency Director, brings over 20 years of experience championing artists. As a practicing artist herself, she guides residents through studio visits and critiques, drawing on her experience as founder of Van Rensburg Galleries and her role on the curatorial board at Artfinder.Together, they've transformed Chateau d'Orquevaux into a place where artists from around the world come not just to create, but to belong. Don't miss this inspiring conversation about art, belonging, and the transformative power of community. Listen to the latest episode of ReBloom wherever you get your podcasts.Website: https://www.chateauorquevaux.com/Instagram: https://www.instagram.com/chateau_orquevaux/?hl=enThank You to Our Sponsors: Jet Creative and UrbanStems!· Jet Creative: A women-owned marketing firm committed to community and empowerment. Whether you're launching a podcast or building a website, Jet Creative can help you get started. Visit JetCreative.com/Podcast to kickstart your journey!· UrbanStems: Your go-to source for fresh, gorgeous bouquets and thoughtful gifts, delivered coast to coast. Treat yourself—or someone you love—with 20% off! Use code BLOOMBIG20 at checkout

Choice Classic Radio presents Sherlock Holmes, which aired from 1939 to 1950. Today we bring to you the episode titled “Rensburg's Will.”  Please consider supporting our show by becoming a patron at  http://choiceclassicradio.com We hope you enjoy the show!

Dem Theater Ulm gelingt mit der Oper „Idomeneo“, in einer Inszenierung des Sängers Kobie von Rensburg, eine der klügsten Mozart-Aufführungen seit Langem im Südwesten. Musikalisch ist es eine Feier, das Ensemble ist großartig. Unbedingt hinfahren!

Isaiah 61:1-5As we step into this new calling here at New Hope, I am reminded of the words in Isaiah 61 “The Spirit of the Lord is upon me, because He has anointed me”. This is not just the story of a prophet long ago, but a living word for us right here, right now! God has anointed us for a mission of healing, hope, and restoration. 

20250921PM - Ministered in the evening service at ‘Incite Church', Pastor Lloyd Jansen van Rensburg ministered on, ‘A Happy Heart'.

Have you ever cared so deeply for everyone else that you forgot to care for yourself? In this episode of It's a Mindset, I sit down with Dr. Siew-Fang Law and Hannes van Rensburg, co-founders of Bento Box of Care, to explore what happens when giving and caring come at the expense of our own wellbeing. Siew-Fang brings over 25 years of experience in leadership, psychology, and coaching, helping leaders heal from burnout, trauma, and compassion fatigue. Hannes has nearly four decades of experience in safety, environment, and risk management, and together they've created Bento Box of Care to support people and organisations in building a true culture of care. For me, this conversation was such a reminder that women especially are often conditioned to keep pouring into others, until we're running on empty. It also opened my eyes to how much our bodies try to tell us about stress, burnout, and compassion fatigue, if only we stop long enough to listen. Key Episode Takeaways What compassion fatigue really looks like — and why it's more common than we think. How women are conditioned to care for others, often at the expense of themselves. The impact of unacknowledged “small traumas” and the lack of mental health support in many workplaces. Why listening to your body's symptoms matters when it comes to stress, burnout, and care. About the Guests Dr Siew-Fang Law is the CEO and co-founder of Bento Box of Care. She builds leadership models drawing on her professional training in social psychology and peace psychology, and over 25 years of leadership and governance experience in higher education and nonprofit sectors. She provides coaching, therapy and organisational training to help leaders heal from compassion fatigue, burnout and trauma as well as build a culture of care for the organisation. Her coaching approaches include Root-Cause Therapy, Trauma-Informed Coaching-Therapy, Mediation, Conflict Resolution, Diversity and Inclusion. Hannes van Rensburg has 37 years of experience in Health, Safety, Environment, Community, Risk Management, and Charity, caring for teams in various industries. He has worked for the Dow Chemical Company and BHP. In 2021, he founded JANSZ Leadership Excellence, co-create programs to develop authentic safety leaders. In 2024 Hannes co-found Bento Box of Care Pty Ltd with Dr. Siew-Fang Law to co-create a Culture of Care in organisations through the Power of Care. Show Resources: Check out the Bento Box of Care website - HERE Connect with Dr Siew-Fang on LinkedIn - HERE Connect Hannes on LinkedIn - HERE Follow Emma, the Podcast Host on Instagram - HERE Learn more about Emma's 1:1 coaching - HERE Check out Emma's book, Worthy & Wealthy - HERE If you LOVED this episode, please share it with someone who needs the reminder to put themselves back on the list — and tag us @emmalagerlow. Yours in Compassion & Care, Emma. X.

20250914AM - Ministered in the morning service at ‘Incite Church', Pastor Lloyd Jansen van Rensburg ministered on, ‘Unity of The Spirit'.

20250914PM - Ministered in the evening service at ‘Incite Church', Pastor Lloyd Jansen van Rensburg ministered on, ‘Freedom from Anxiety'.

Die Amerikaanse kleinhandelreus, Walmart, beplan om sy eerste handelsmerkwinkels in Suid-Afrika oop te maak. Die stap volg ná sy groeiberaad, waartydens Afrika-gebaseerde verskaffers gewerf is. Massmart se uitvoerende hoof, Miles van Rensburg, sê Walmart beoog om alledaagse lae pryse te bied en plaaslike verskaffers te ondersteun. Van Rensburg sê die bekendstelling sal werksgeleenthede en digitale inkopie-ervarings bevorder. Hy het bevestig terreinontwikkelings is in plek en liggings en openingsdatums sal binnekort aangekondig word:

20250907PM - Ministered in the evening service at ‘Incite Church', Pastor Lloyd Jansen van Rensburg ministered on, ‘Find Strength in Waiting'.

20250907AM - Ministered in the morning service at ‘Incite Church', Pastor Lloyd Jansen van Rensburg ministered on, ‘Putting on Humility'.

Aseza Hele, Libbie Janse van Rensburg, Nadine Roos, Nolusindiso Booi... A special generation of Springbok women have made history with a first ever appearance in the RWC knockouts. Ant and Andy revel in the green glow and recount this historic moment. The Springbok men also feature, with a recap of the Wallabies win and a nervous note on the upcoming game-of-the-year against the All Blacks in fortress Eden Park. Music by @monstroid, 80s TV Show.

Chantal Marx from FNB Wealth & Investments on whether other food retailers are worth considering after Shoprite's results. Shoprite CEO Pieter Engelbrecht unpacks results as Sixty60 revenue nears R19 billion and group revenue tops R250 billion. Motus CEO Ockert Janse van Rensburg on results and whether the recovery in local vehicle sales signals the worst is over.

CEO Ockert Janse van Rensburg reports ‘continued downtrading into more entry-level, less spec vehicles'.

Stephen Grootes speaks to Shoprite CEO Pieter Engelbrecht about the group’s record-breaking results, with revenue rising 8.6% to R256.7bn and headline earnings per share up 15.8%, and to Motus CEO Ockert Janse van Rensburg, who reflects on a stronger second half that lifted headline earnings per share by 5%, despite a 1% dip in revenue to R112.6bn following the sale of its UK Mercedes-Benz Truck and Van division. In other interviews, Tim Atkin MW chats about South Africa's rising wine success, driven by winemakers' deep respect for the land and focus on expressing terroir, with Chenin Blanc and Syrah standing out as top-performing varieties in his annual South Africa Special Report. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Ockert Janse van Rensburg, finansiële hoof van Motus, gesels oor die groep se finansiële resultate. Volg RSG Geldsake op Twitter

Stephen Grootes speaks to Ockert Janse van Rensburg, CEO of Motus, about the group’s financial results. An improved second half lifted performance, with headline earnings per share rising 5% for the year. Revenue slipped 1% to R112.6bn, mainly due to the sale of the Mercedes-Benz Truck and Van division in the U The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

20250831AM - Ministered in the morning service at ‘Incite Church', Pastor Lloyd Jansen van Rensburg ministered on, ‘Dealing with Offence'.

In this message, Kerry unpacks the mission and purpose of the Church - to carry the name of Jesus in a way that reflects His compassion, grace, and truth. From Exodus to the Gospels, we're reminded that as believers, we don't choose if we carry His name, but how we carry it. Discover how to live out your faith so His name is honoured in both word and action.

20250803AM - Ministered in the morning service at ‘Incite Church', Pastor Lloyd Jansen van Rensburg ministered on, ‘Jesus, The Head of the Church'.

20250727AM - Ministered in the morning service at ‘Incite Church', Pastor Lloyd Jansen van Rensburg ministered on, ‘Jesus, The Cornerstone'.

The Springbok Women's rugby team is gearing up for an exciting journey to the World Cup and they need the support of the nation behind them. Through their inspiring #PlusOne Campaign, the team hopes to rally South Africans to come together and support these incredible athletes as they strive for World Cup success. The Stories Behind the Players Libbie Janse van Rensburg and Anathi Qolo, key players in the team, shared their insights and passion for rugby. Libbie, who recently took on the role of fly-half at the Bulls Daisies, has had an impressive career transition from sevens to fifteens rugby post-COVID, proudly adding 'Olympian' to her list of accomplishments. Anathi, who began her rugby journey in East London in 2015, has risen to be a Rugby Africa Women champion captain, capturing hearts with her dedication to the sport. What is the Plus One Campaign? The Plus One Campaign is about more than just cheering from the sidelines. It's a powerful movement aimed at uniting South Africans to support the Springbok Women's team. The campaign encourages every fan to bring a 'plus one' to the games; be it a friend, family member, or colleague. Anathi explains, "We believe everyone has a plus one. If you can bring your plus one to the games on Fridays or simply spread the word about our matches, you can make a real difference." This initiative is particularly vital as the team heads towards the World Cup, where national support could be a game-changer. Unity in Diversity Speaking about what makes their team so unique. Libbie shared noted that the team is rich in diversity. The team's cultural variety is not viewed as a hurdle but as a source of strength and unity. Libbie states, “Our differences bring us together. It's what makes us stronger as a team.” This powerful solidarity is part of what makes the #PlusOne Campaign resonate so deeply. It's about inclusivity and the power of coming together, no matter the background. As the team prepares for the World Cup, hearts and minds are focused on the task at hand. The anticipation builds as the players vie for a spot in the squad. "Focusing on our games and preparations is crucial," shares Libbie, underscoring the importance of staying in the present. With games against formidable opponents and the World Cup just ahead, the Springbok Women's team is set for an intense yet exhilarating season. “What an amazing achievement it would be if we make this team,” says Libbie. “It's something we're immensely proud of and it could be an incredible year for us at the World Cup.” The Springbok Women's team is encouraging all supporters to join the #PlusOne Campaign. Whether you're an avid rugby fan or new to the sport, your presence can make a profound impact. Together, we can show our Springbok heroes that their nation is behind them, cheering them on every step of the way.

20250720AM - Ministered in the morning service at ‘Incite Church', Pastor Lloyd Jansen van Rensburg ministered on, ‘Jesus, The Preeminent'.

20250720PM - Ministered in the evening service at ‘Incite Church', Pastor Lloyd Jansen van Rensburg ministered on, ‘A Call to Deep (Part 3)'.

20250713AM - Ministered in the morning service at ‘Incite Church', Pastor Lloyd Jansen van Rensburg ministered on, ‘Jesus, The Image of the Father'.

11.07.25 Pt 2 - Is the iPad era coming to an end? Gareth Cliff is joined by tech enthusiast Theunis Jansen van Rensburg for a deep dive into the latest shifts in the digital world. From cutting-edge laptops and smartphone trends to Grok's recent rogue behavior, they explore the future of AI in a misinformation minefield. Plus, what does Microsoft's big cloud push into Africa mean for the continent's digital future? The Real Network

20250706AM - Ministered in the morning service at ‘Incite Church', Pastor Lloyd Jansen van Rensburg ministered on, ‘Jesus, The Glory Revealed'.

Jacob van Rensburg, hoof van navorsing en ontwikkeling by die Southern African Association of Freight Forwarders (Saaff), verduidelik wat tot die verbetering in die hawens gelei het. Volg RSG Geldsake op Twitter

20250629AM - Ministered in the morning service at ‘Incite Church', Pastor Lloyd Jansen van Rensburg ministered on, ‘Jesus, the Anointed One'.

20250629PM - Ministered in the evening service at ‘Incite Church', Pastor Lloyd Jansen van Rensburg ministered on, ‘A Call to Deep (Part 2)'.

Join Fred Richardson on The Mindful Runner Podcast for an insightful interview with ultra runner Marius van Rensburg. Part of our Mac Mac 200 Miler series, Marius shares his vast experience, discussing the mental and physical demands of ultra-distance running, crucial recovery strategies, and the vital role of coaching. Learn about setting a finisher's mindset, the beauty of South African trails, and why problem-solving is key during races. Essential listening for any trail or ultra runner seeking deliberate training and performance growth.Find more at MindfulRunner

20250622AM - Ministered in the morning service at ‘Incite Church', Pastor Lloyd Jansen van Rensburg ministered on, ‘Jesus, the Redeemer'.

20250622PM - Ministered in the evening service at ‘Incite Church', Pastor Lloyd Jansen van Rensburg ministered on, ‘A Call to Deep'.

In this powerful episode, Barry is joined by his dear friend Johan van Rensburg for a life-giving conversation on returning to our first love, Jesus. Get ready for a fresh baptism of love that will stir your heart and restore your confidence in what God has called you to. When His love is flowing, clarity and boldness follow. As He is, so are we in this world.To sow a seed or become a monthly partner with Barry and Tammy Maracle, please click here: https://www.barrymaracle.ca/partnerFollow Barry on Instagram @barrymaracle and Facebook https://www.facebook.com/barry.maracleVisit barrymaracle.ca for event dates, merchandise, giving, and more.

Pippa speaks to Dylan Janse van Rensburg and Chris Jaftha about their roles in Joseph and the Amazing Technicolour Dreamcoat. Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth & the environment. Listen live – Lunch with Pippa Hudson is broadcast weekdays between 13:00 and 15:00 (SA Time) https://www.primediaplus.com/station/capetalk Find all the catch-up podcasts here https://www.primediaplus.com/capetalk/lunch-with-pippa-hudson/show-podcasts/lunch-with-pippa-hudson/ Subscribe to the CapeTalk daily and weekly newsletters https://www.primediaplus.com/competitions/newsletter-subscription/ Follow us on social media: CapeTalk on Facebook: www.facebook.com/CapeTalk   CapeTalk on TikTok: www.tiktok.com/@capetalk   CapeTalk on Instagram: www.instagram.com/capetalkza  CapeTalk on X: www.x.com/CapeTalk  CapeTalk on YouTube: www.youtube.com/@CapeTalk567  See omnystudio.com/listener for privacy information.

I deserved death but He gave me life!James 2:10 NLT

02.04.25 Pt 1 - Gareth Cliff is joined by longtime friend of the show, Mash, as they dive into how AI is taking over—from replacing HR departments to shaping the future of work. They also debate the best-paid social platforms, from YouTube Premium to Netflix. Plus, Camille Jane van Rensburg joins The Window Seat for all things ClubMed! The Real Network

South Africa's economic revival hinges on mobilising private capital for infrastructure. With fiscal pressures mounting, public-private partnerships (PPPs) offer a crucial path to sustainable growth. Lourens van Rensburg, head of Corporate and Institutional Banking at Investec, and Martin Meyer, head of Energy & Infrastructure Finance, dissect key insights from Investec's SA Economic Reform Conference. What will it take to unlock investment—and why is time running out? Podcast key moments: 00:00 - Introduction 01:29 - Is there a fundamental shift in the relationship between the public and private sectors? 04:25 – What factors have contributed to the Renewable Energy Independent Power Producer Procurement Programme (REIPPPP) success? 06:31 - Eskom has added a new 800-megawatt unit at the Kusile Power Station, are we out of the woods regarding electricity generation? 09:30 – What can improve the bankability of infrastructure projects? 13:11 - What strategies are crucial for revitalising our manufacturing sector, and how can public-private partnerships play a role in this effort? 15:40 - How do you ensure that infrastructure development prioritises not only economic growth but also sustainability and the needs of local communities? 18:30 - What key infrastructure development lessons can South Africa draw from India? 20:18 - What is the one thing that needs to happen to get the flywheel of private sector investment turning? Read more on www.investec.com/now Hosted by seasoned broadcaster, Jeremy Maggs, the No Ordinary Wednesday podcast unpacks the latest economic, business and political news in South Africa, with an all-star cast of investment and wealth managers, economists and financial planners from Investec. Listen in every second Wednesday for an in-depth look at what's moving markets, shaping the economy, and changing the game for your wallet and your business. Investec Focus Radio SA

Stephen Grootes speaks to Ockert Janse van Rensburg, CEO of Motus, about the company's decline in new vehicle sales, and to Johan Theron about the challenges facing the platinum group metals sector. In other interviews, Investment school unpacks AGMS and why they are important to every investor with Hlelo Giyose, Chief Investment Officer and Principal at First Avenue Investment Management & Tracey Davies, Executive Director at Just Share. See omnystudio.com/listener for privacy information.

Ockert Janse van Rensburg, uitvoerende hoof van Motus, bespreek die groep se finansiële resultate en sê daar was min vertroue in die mark, en dat vertroue eers begin toeneem het toe die rentekoers verlaag is. Volg RSG Geldsake op Twitter

Stephen Grootes speaks to Ockert Janse van Rensburg, CEO of Motus, about the company's decline in new vehicle sales revenue and its strategy to navigate the challenging automotive market.See omnystudio.com/listener for privacy information.

Martie Janse van Rensburg, tussentydse voorsitter van die Ontwikkelingsbank van Suider-Afrika (DBSA) gesels oor die G20-beraad. Volg RSG Geldsake op Twitter

12,000 swimmers took on the 52nd aQuellé Midmar Mile in Howick over the weekend! On Monday morning, East Coast Breakfast caught up with the women's winner, Catherine van Rensburg from Pretoria - who swam her first-ever Midmar Mile - and the men's champion, New Zealand's 5km national titleholder, Louis Clark. Webpage

My guest today is Nick Van Rensburg, he is a macro strategist with a particular interest in tail risks. He joined financial markets in 1996 at a bank trading equities and later equity derivatives. He spent 10 years at South Africa's first hedge fund where he started covering commodities, which exposed me to macro. In this conversation, I speak with Nick Van Rensburg, a macro strategist, about the implications and risks of passive investing. We explore the historical context of passive investing, its rapid growth, and the potential dangers it poses to market stability. Nick emphasizes the role of behavioral finance and the human element in investing, underscoring how passive strategies can contribute to market bubbles and crashes. We also discuss the need for active management and the potential consequences of a market dominated by passive strategies, including the fragility it introduces. Our conversation touches on alternative investment strategies, such as equal-weighted indexes, and we conclude with reflections on the nature of success in investing and the importance of being mindful of the risks associated with passive investing. Podcast Program – Disclosure Statement Blue Infinitas Capital, LLC is a registered investment adviser and the opinions expressed by the Firm's employees and podcast guests on this show are their own and do not reflect the opinions of Blue Infinitas Capital, LLC. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies.  Investments involve risk and unless otherwise stated, are not guaranteed.  Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation.  Past performance is not indicative of future performance.