Podcasts about Risk aversion

In this monthly bonus episode, we tap into insights from our Facebook community to explore what keeps us feeling stuck in our habits and goals. With help from behavioral science, we unpack the hidden forces behind inertia, fear, and comfort zones — and share practical strategies to break free. If you're ready to stop spinning your wheels and get back in your groove, this one's for you. Topics [0:00] Behavioral Boot Camp! [2:15] Insights from Groove Questions [6:34] Self-Confidence [10:03] Risk Aversion and Community Support [13:25] Final Thoughts - Trust Your Instincts! ©2025 Behavioral Grooves Links Behavioral Grooves on Substack Join the Behavioral Grooves community Subscribe to Behavioral Grooves on YouTube

According to a study by Lions, only 13% of brands are “risk friendly.” Cole unpacks this study, its implications, the future, and ways to make calculated risks. The outdoor industry, though commendable for its investment in branded content, suffers from a lack of creative risk, especially in an economic headwind - yet the data doesn't lie. It's actually riskier not to take creative risks.   About: This podcast is produced by Port Side, a creative studio powered by the Backcountry Marketing Filter™, a methodology shaped by 200+ conversations with marketing leaders to turn insight into emotionally-driven video strategy. Enjoy this episode and discover other resources below: Insight Deck | Want 20 of our favorite insights? Download them here Booklist | Here's our curated list of recommended books over the years. LinkedIn | Join the conversation and share ideas with other industry peers. Apple Podcast | Want to help us out? Leave us a review on Apple. Guest List | Have a Guest in Mind?  Share them with us here. Patreon | Want to support us financially?   

Edmund Shing, Global Chief Investment Officer and Guy Ertz, Deputy Global Chief Investment Officer, discuss Switzerland's economy and financial markets. Economic growth and currency prospects in SwitzerlandWhat is the Swiss National Bank doing to tackle deflation risks and manage currency strengh?Market expectations for rates and yields in the coming months. Opportunities in Swiss bond and equity markets.Hosted by Ausha. See ausha.co/privacy-policy for more information.

US bourses finished mixed with futures thereafter pressured after NVIDIA flagged 5.5bln of charges.White House said over 15 trade deal proposals are being considered and some could be announced soon.DXY gave back some of Tuesday's strength, EUR/USD back above 1.13 and Cable above 1.3250 into UK CPI.USTs paused for breath after gains sparked by Treasury officials, Bunds rebounded and JGBs retested 141.00Crude benchmarks lackluster, XAU hit another record high while base peers followed the risk tone lowerLooking ahead, highlights include UK CPI, US Retail Sales, NZ CPI, BoC Policy Announcement, Speakers including Fed's Powell, Cook, Hammack, Logan & Schmid, BoC's Macklem & Rogers, Supply from Germany & US.Earnings from Heineken, US Bancorp, Abbott, Progressive, Travelers, Prologis, Autliv, Citizens, First Horizon, Alcoa, Barratt Redrow, Moncler, Brunello Cucinelli & Lindt.Click for the Newsquawk Week Ahead.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

Send us a textDollar tumbles, safe haven franc at more-than-a-decade high. Recession fears return amid US-China trade conflict. US CPI slows down, allows dovish rate cut pricing. Wall Street retreats, Treasuries drop, gold hits new record high.Risk Warning: Our services involve a significant risk and can result in the loss of your invested capital. *T&Cs apply.Please consider our Risk Disclosure: https://www.xm.com/goto/risk/enRisk warning is correct at the time of publication and may change. Please check our Risk Disclosure for an up to date risk warningReceive your daily market and forex news analysis directly from experienced forex and market news analysts! Tune in here to stay updated on a daily basis: https://www.xm.com/weekly-forex-review-and-outlookIn-depth forex news analysis on all major currencies, such as EUR/USD, USD/JPY, GBP/USD, USD/CHF, USD/CAD, AUD/USD.

European bourses and US futures approach PCE in the red following the overnight tone and further risk aversion from earthquakes in MyanmarCanadian PM to speak with Trump today; EU has mentioned Apple, Meta and PayPal as part of any potential tariff responseDXY attempts to claw back Thursday's pressure and is firmer vs peers ex-JPY, which is the best performer after Tokyo CPIA firmer start for fixed benchmark ahead of US PCE and any tariff/trade developments, no move to the morning's prelim. HICP figuresCrude choppy, precious metals underpinned by the tone while base metals are lowerGeopolitics in focus amid updates on Panama, Ukraine minerals deal and further damage to the Sudzha stationLooking ahead, highlights include US PCE (Feb) & Consumption, Speakers including Fed's Bostic, Barr & ECB's de Guindos.Click for the Newsquawk Week Ahead.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

This Postmodern Realities episode is a conversation with JOURNAL author Cole Burgett about his  article, “What is Truth in ‘Dune: Prophecy'?.”  Editor's Note: This review contains spoilers for Dune: Prophecy.]This is also part of the ongoing column by Cole entitled, Cultural Apologetics.  Coming Soon![Related articles and podcasts by this author:Episode 430: Space Pirates and Treasure Planets: A Review of ‘Star Wars: Skeleton Crew'Space Pirates and Treasure Planets: A Review of ‘Star Wars: Skeleton Crew'Episode 425: Film Review: Netflix's MaryEpisode 420: ‘Heretic' The Gospel According to Mr. Reed‘Heretic': The Gospel According to Mr. ReedEpisode 415: The Subtle Art of Corruption in the Sophomore Season of ‘The Rings of Power'The Subtle Art of Corruption in the Sophomore Season of ‘The Rings of Power'Episode 408 “Alien: Romulus”, Risk Aversion, and the Parable of the Big Bad Company“Alien: Romulus”, Risk Aversion, and the Parable of the Big Bad CompanyEpisode 406 Faith, Family, and Fear: The Films of M. Night ShyamalanFaith, Family, and Fear: The Films of M. Night ShyamalanDon't miss an episode; please subscribe to the Postmodern Realities podcast wherever you get your favorite podcasts. Please help spread the word about Postmodern Realities by giving us a rating and review when you subscribe to the podcast. The more ratings and reviews we have, the more new listeners can discover our content.

So you're stuck in a job that doesn't excite you. Or maybe you're climbing the corporate ladder but have no idea if it's leaning against the right wall. Gary Bremermann has seen it all—from ambitious professionals chasing paychecks without purpose to companies struggling to hire the right talent. In Part 2, he lays out his 7 Rules of Career Clarity—a process he developed to help people find meaningful work, instead of just another job.Key Highlights of Our Interview:Step 1: Your Story Matters – “Your past holds clues to your future. Look back to move forward.” Why reflecting on your experiences can reveal what you truly want.Step 4: Dream Jobs (Yes, Plural) – “One dream job should be unlimited, the other should be realistic. Somewhere in between is your future.” How to define career goals without setting yourself up for disappointment.Step 7: Action is Everything – “All the career clarity in the world is useless if you don't act on it.” Why small, consistent steps matter more than waiting for the perfect opportunity.The Harsh Reality of Japan's Talent Market – “People are forced to retire at 60, then offered the same job at 40% pay. Meanwhile, companies struggle to find talent. It makes no sense.” Why Japan's hiring practices are outdated—and how ageism is holding back experienced professionals.Risk Aversion vs. Career Growth – “The fear of change is stronger here than in most markets. But staying in your comfort zone can cost you more than taking a risk.” Why job seekers and companies alike need to rethink stability.If you've ever felt stuck in your career—or frustrated by job markets that refuse to evolve—this episode is a must-listen. Get ready for a reality check on work, growth, and what's next._____________________Connect with us:Host: Vince Chan | Guest: Gary Bremermann______________________--Chief Change Officer--Change Ambitiously. Outgrow Yourself.Open a World of Deep Human Intelligence for Growth Progressives, Visionary Underdogs,TransformationGurus & Bold Hearts.6 Million+ All-Time Downloads.Reaching 80+ Countries Daily.Global Top 3% Podcast.Top 10 US Business.Top 1 US Careers.>>>100,000+ subscribers are outgrowing. Act Today.

Kia ora,Welcome to Friday's Economy Watch where we follow the economic events and trends that affect Aotearoa/New Zealand.I'm David Chaston and this is the international edition from Interest.co.nz.And today we lead with news the gold price is approaching US$3000/oz again after hitting a new record high earlier today. The equity markets are falling again. Benchmark bond yields are in risk-aversion mode but corporate debt yields are rising.But first, US initial jobless claims were little-changed last week from the prior week, slipping slightly on seasonal factors. There are now 2.163 mln people on these benefits, +4.0% more than at this time last year.American producer prices were up +3.2% in February from a year ago, slightly less than expected (+3.3%) and a notable fall from January (+3.7%). But January was an outlier. The average in 2024 was +2.5%.This updated chart of the price of eggs in the US is interesting. They are now up +100% in one year, up +42% in 2025 alone. US egg prices are rising faster than gold.There was a US Treasury 30 year bond tendered overnight and to slightly less demand. It resulted in a median yield of 4.56%, which was less that the 4.68% at the prior equivalent event a month ago.Meanwhile, US yields for sub-investment grade corporate bonds ("Junk bonds") have jumped in the past week or so on recession fears and tariff uncertainty. Today there were more tariff threats from Trump who can't seem to understand why others would retaliate.North of the border, riled up Canadians are now proposing to toll US trucks that go through B.C. to service Alaska. But this won't hurt Alaska much as most of their freight arrives by sea. However they seem to want to make a point by withdrawing a long-standing concession. Elsewhere, supply-chain and retailers are noticing significant anti-US consumer demand shifts.And staying in Canada, their residential building consent levels slipped in January, pretty much as expected after the surge in December. But they remain an impressive +29% higher than a year ago, largely due to multi-unit construction.Across the Pacific, Beijing has quietly moved to inject public funds worth ¥500 bln (NZ$120 bln) into ailing state-owned banks. It is a similar rescue to the 1998 Asian Financial Crisis when they injected the ¥270 bln for the same reason - wavering SOE bank health.Chinese warships may have been circling Australia for geopolitical warning reasons. Or they may have had other objectives as well. Yesterday the official work report from the Chinese National Congress was released, and it includes a mention (page 17) of it now being a "key task for 2025" to develop "deep-sea science and technology", which is a new item added this year. It's a reach of course, but we may be seeing more Chinese vessels on our presumably valuable continental shelf. If we don't want them there we will have to develop the ability to keep them away.Global container freight rates fell another -7% last week to be their lowest since January 2024 but still +67% higher than pre-pandemic levels. Bulk cargo rates rose sharply last week, up +27% for the week to be a third lower rthan this time last year.The UST 10yr yield is now at 4.27%, down -3 bps from yesterday at this time. Wall Street is falling again, down -1.4% on the S&P500. The price of gold will start today at just on US$2980/oz and up another +US$48 from yesterday. And that is a new all-time high. In intra-day trading it hasn't yet quite touched US$3000, but close, and probably soon.Oil prices are down -US$1 at just over US$66.50/bbl in the US and the international Brent price is at just under US$70/bbl.The Kiwi dollar is now at 57.1 USc and down -20 bps from yesterday. Against the Aussie however we are unchanged at 90.8 AUc. Against the euro we are still at 52.5 euro cents. That all means our TWI-5 starts today just under 66.4, and down -10 bps from yesterday.The bitcoin price started today at US$80,780 and down -1.7% from this time yesterday. Volatility over the past 24 hours has again been moderate at +/- 2.1%.You can find links to the articles mentioned today in our show notes.You can get more news affecting the economy in New Zealand from interest.co.nz.Kia ora. I'm David Chaston. And we will do this again on Monday.

Kia ora,Welcome to Monday's Economy Watch where we follow the economic events and trends that affect Aotearoa/New Zealand.I'm David Chaston and this is the international edition from Interest.co.nz.And today we lead with news that 100 days of mayhem has not only killed the global leadership position of the US, Americans themselves (consumers and business) are reacting by turning sharply defensive.The US dollar is under pressure, Wall Street is down sharply, and benchmark bond yields are dropping hard.However, before we get into that, the week ahead will bring a relatively light set of data. In the US it will mostly be about durable goods orders in January, a second revision for the US Q4-2024 GDP, and personal income & spending updates. Elsewhere India and Canada will also update their GDP and Australia will release its CPI data. There will be business and consumer confidence data for New Zealand at the end of the week too.Over the weekend, the US February PMI shows that output growth is faltering and payrolls are declining, as optimism slumped as costs rise. Their services sector is now contracting and at a 2 year low, their factory sector is expanding however but only back to its mid-2024 levels.And it isn't any better for American consumers. The final survey results for the University of Michigan consumer sentiment tracking have come in weaker than the 'flash' result which indicated a sharpish turn lower. In fact it is now -10% weaker than in January, -16% weaker than a year ago. American consumers are spooked. One reason is that they see higher inflation ahead. The final reading for this indicates consumer prices are expected to be +3.5% higher in a year, a worsening of the 'flash' February result we reported earlier of +3.3%.January existing home sales slumped nearly -5% too from December, although they were up slightly from the same month a year ago. But the year-on-year improvement is being whittled back.And new homes are likely to get more expensive in the US with global tariffs to be imposed on softwood timber.Now more of Trump's billionaire backers are having second thoughts about what they funded. And about-to-retire Warren Buffet issued his shareholder letter over the weekend, with some clear criticisms of Trump and his tax-avoiding accomplices. Buffet said paying taxes is patriotic and essential for a functioning society, and his companies paid US$26.8 bln in 2024, alone 5% of all corporate taxes in the US - and far more than all the tech companies combined. Trump is going into bat to ensure those tech companies don't have to pay any taxes in the foreign companies they operate in.In Canada retail sales volumes were up +2.5% in December, up +3.9% in value terms from a year ago. This is actually quite an impressive result. This will be an interesting metric to watch in future given the nationwide push by Canadians to shift away from buying American-made products in protest at the insults launched by the US President.In Japan, they finally have inflation, real inflation this time. It climbed to 4.0% in January from 3.6% in the prior month, which is their highest reading since January 2023. Food prices rose at the steepest pace in 15 months up 7.8%, with fresh vegetables and fresh food contributing the most to the upturn. No doubt their central bank will react to this sharper than expected move.Despite that, the Japanese February PMIs show improvements in activity in both their services and factory sectors, with their services sector expanding at a healthy rate for a developed economy, and their factory sector contracting less.India is still expanding fast. Their February PMIs show a better-than-January rise for their services sector, and a weaker-than-January expansion for their factory sector. Both expansions are the envy of most other countries, even if it is from a low base.The EU PMI survey for February recorded a small expansion, but it also records their fastest input cost inflation since April 2023. The overall expansion recorded is largely due a recovery in the German factory sector.And speaking of Germany, they have been voting in federal elections this weekend. Counting is underway and it seems no party won a majority. The conservative CDU won the largest boc and the far-right AfD came in second according to exit polling. But as all other parties have declared they won't work with the revivalist Nazi party, they are in for a long negotiation period trying to form an MMP government. A grand coalition remains a possibility.In Australia, who will probably go to the polls themselves in May, their February PMIs report an improving economic activity situation, with their services activity at a six month high, and their factory PMI at a 27 month high. However, to be fair, neither levels are particularly strong compared to other countries.The UST 10yr yield is at 4.43%, up +1 bp from Saturday at this time. The price of gold will start today at just under US$2935/oz and down -US$3 from Saturday.Oil prices are down -50 USc at just under US$70.50/bbl in the US and the international Brent price is now just under US$74.50/bbl. These markets are looking at a future of lower demand and higher output and inventories.The Kiwi dollar is now at 57.4 USc and down -10 bps from Saturday. Against the Aussie we are up +10 bps at 90.3 AUc. Against the euro we are down -20 bps at 54.8 euro cents. That all means our TWI-5 starts today just over 67.1, and down -10 bps from Saturday.The bitcoin price starts today at US$95,618 and down -1.8% from this time Saturday. Volatility over the past 24 hours has been low at +/- 0.7%.You can find links to the articles mentioned today in our show notes.You can get more news affecting the economy in New Zealand from interest.co.nz.Kia ora. I'm David Chaston. And we will do this again tomorrow.

In this episode, we talk with Dr. Keri Gardner from Accelerate25 about malpractice and litigation risk with some tips for emergency physicians on how to avoid this unfortunate reality of EM. You can also check out the video interview on the ACEP YouTube channel.

This Postmodern Realities episode is a conversation with JOURNAL author Cole Burgett and is a stand-alone, audio-only episode (no written review) that discusses the Netflix film “Mary,” Released on December 6, 2024. It was Directed by D. J. Caruso and written by Timothy Michael Hayes. Also included is an in-depth discussion about Christians making Christian-themed media like film. Is it propaganda or artwork?[Editor's Note: This episode contains spoilers for Mary.]Related Articles and Podcasts:Episode 420: ‘Heretic' The Gospel According to Mr. Reed‘Heretic': The Gospel According to Mr. ReedEpisode 415: The Subtle Art of Corruption in the Sophomore Season of ‘The Rings of Power'The Subtle Art of Corruption in the Sophomore Season of ‘The Rings of Power'Episode 408 “Alien: Romulus”, Risk Aversion, and the Parable of the Big Bad Company“Alien: Romulus”, Risk Aversion, and the Parable of the Big Bad CompanyEpisode 406 Faith, Family, and Fear: The Films of M. Night ShyamalanFaith, Family, and Fear: The Films of M. Night ShyamalanDon't miss an episode; please subscribe to the Postmodern Realities podcast wherever you get your favorite podcasts. Please help spread the word about Postmodern Realities by giving us a rating and review when you subscribe to the podcast. The more ratings and reviews we have, the more new listeners can discover our content.

Jak unikanie ryzyka wpływa na decyzje zakupowe klientów? W tym odcinku omawiam, jak zrozumienie tej tendencji może pomóc Ci skuteczniej sprzedawać i tworzyć lepsze strategie marketingowe.Zostań T-shaped marketerem w 24 tygodnie - poznaj szczegóły kursu.https://tshaped.pl/Umów się na bezpłatną konsultację i zbuduj Growth Plan dostosowany do Twojego biznesu: https://growthplan.pl/Dołącz do bezpłatnego Growthlettera:www.mateuszwycislik.pl/growthletter

This Postmodern Realities episode is a conversation with JOURNAL author Cole Burgett about his online article entitled, “Heretic: The Gospel According to Mr. Reed”.[Editor's Note: This article contains spoilers for Heretic: The Gospel According to Mr. Reed.]Related Articles and Podcasts by this author:Other podcasts and articles of interest by this author:Episode 415: The Subtle Art of Corruption in the Sophomore Season of ‘The Rings of Power'The Subtle Art of Corruption in the Sophomore Season of ‘The Rings of Power'Episode 408 “Alien: Romulus”, Risk Aversion, and the Parable of the Big Bad Company“Alien: Romulus”, Risk Aversion, and the Parable of the Big Bad CompanyEpisode 406 Faith, Family, and Fear: The Films of M. Night ShyamalanFaith, Family, and Fear: The Films of M. Night ShyamalanAnd many more Cole has written quite extensively for us the last couple years, click here for more of his articles. Don't miss an episode; please subscribe to the Postmodern Realities podcast wherever you get your favorite podcasts. Please help spread the word about Postmodern Realities by giving us a rating and review when you subscribe to the podcast. The more ratings and reviews we have, the more new listeners can discover our content.

This Postmodern Realities episode is a conversation with JOURNAL author Cole Burgett  about his online article entitled, “Science, Spirituality, and C. S. Lewis – An Analysis of the Space Trilogy“ https://www.equip.org/articles/science-spirituality-and-c-s-lewis-an-analysis-of-the-space-trilogy/.Other podcasts and articles of interest by this author:Episode 415: The Subtle Art of Corruption in the Sophomore Season of ‘The Rings of Power'The Subtle Art of Corruption in the Sophomore Season of ‘The Rings of Power'Episode 408 “Alien: Romulus”, Risk Aversion, and the Parable of the Big Bad Company“Alien: Romulus”, Risk Aversion, and the Parable of the Big Bad CompanyEpisode 406 Faith, Family, and Fear: The Films of M. Night ShyamalanFaith, Family, and Fear: The Films of M. Night ShyamalanAnd many, many other TV and Movie reviews Cole has written consistently for us since 2021. 

In this Episode, Joe and Ryan discuss the intricacies of managing risks during a downturn in the real estate market. They discuss the importance of focusing on cash flow, especially in challenging economic times, and the strategies they use to ensure stability and growth. This episode covers their approach to conservative debt, the necessity of having reserves, and the impact of market cycles on risk tolerance. They also highlight their shift in deal strategy, including walking away from deals that don't pencil out, and the importance of thorough due diligence. They also discuss the importance of effective property management, diversification across markets and tenants, and the positive trends in the office and industrial sectors. It is key to remain disciplined and selective while still finding great opportunities in a downturn. 00:00 Introduction to the Real Estate Downturn 00:28 The Importance of Cash Flow 00:58 Adjusting Risk Strategies 01:54 Conservative Debt and Leverage 02:28 Challenges in the Current Market 03:16 Risk Aversion and Management 03:57 Diversification and NOI Growth 04:53 Positive Outlook and Future Opportunities 05:37 Conclusion and Strategic Focus

Are outdated management practices and hierarchical structures holding your organization back?In this episode of the Arguing Agile podcast, Enterprise Business Agility Coach Om Patel and Product Manager Brian Orlando take the untraveled path of analyzing why the need for control is so pervasive in corporate environments. Listen to learn:How the illusion of control manifestsHow risk aversion stifles creativity and growthBetter organizational structures than the autocratic heirarchyHow the illusion of control permeates managementThe pitfalls of short-term thinking and "quarterly capitalism"How to reach beyond vanity metrics and measure what mattersWhether you're a product manager, agile coach, or business leader, this discussion will challenge your thinking on organizational structure and decision-making. #AgileLeadership #ProductManagement #OrganizationalCulture #BusinessAgility= = = = = = = = = = = =Watch it on YouTube= = = = = = = = = = = =Subscribe to our YouTube Channel:https://www.youtube.com/channel/UC8XUSoJPxGPI8EtuUAHOb6g?sub_confirmation=1Apple Podcasts:https://podcasts.apple.com/us/podcast/agile-podcast/id1568557596Spotify:https://open.spotify.com/show/362QvYORmtZRKAeTAE57v3Amazon Music:https://music.amazon.com/podcasts/ee3506fc-38f2-46d1-a301-79681c55ed82/Agile-Podcast= = = = = = = = = = = =Toronto Is My Beat (Music Sample)By Whitewolf (Source: https://ccmixter.org/files/whitewolf225/60181)CC BY 4.0 DEED (https://creativecommons.org/licenses/by/4.0/deed.en)

Today Andy welcomes another blockbuster panel of sales pros including, Arup Chakravarti, Director of Sales Excellence at Equifax UK, Barbara Weaver Smith, Founder of the Whale Hunter Institute, and Amy Hrehovcik, Fractional Sales Enablement Director at CROP, and host of the Revenue Real Podcast. They talk about the concept of selling based on pain points and whether it is effective and explore the idea that focusing on pain may not always be the best approach and that understanding the buyer's goals and opportunities can be more valuable. They also discuss the importance of identifying the buyer's motivation, whether it is driven by positive outcomes or risk aversion and highlight the need for emotional intelligence and adaptability in sales conversations, the challenges of selling to large companies and the importance of mitigating risks for buyers and conclude with a discussion on the need for a shift in sales strategies and the importance of creativity and relationship-building in engaging with buyers.Host Andy Paul is the expert on modern B2B selling and author of three best-selling, award-winning sales books, including his latest Sell Without Selling Out. Visit andypaul.com to subscribe to his newsletter for even more strategies and tips to accelerate your win rate.

Jared Friedman, a Computational Product Manager at Walter P Moore, joins Most Podern to discuss the challenges and opportunities of incorporating embodied carbon calculations into the design process. The conversation discusses It emphasizes the importance of starting early in design, how to handle inevitable uncertainties, and the outsize role that data plays in delivering a sustainable building project. The conversation also touches on the role of policies and regulations in driving sustainability efforts, the need for better data collection and communication, and the potential for new solutions and technologies in the future. About Jared Jared Friedman is a computational product manager at Walter P Moore, a global engineering firm with offices around the world. He is a licensed architect, with a B.Arch from Carnegie Mellon University and a Masters in Design Studies with a focus on Computation and Robotics from the Harvard Graduate School of Design. Jared has deep experience in parametric design, robotics, and construction technology. He's worked at places like Massaro, BuroHappold, and WeWork; and has previously taught seminars on BIM and computational design at Columbia's GSAPP. He's also the author of the ec3-python-wrapper, an open source python package that makes it easier for Python developers to work with the Building Transparency EC3 API. Connecting with Jared Jared on LinkedIn Matterflows.com Keywords embodied carbon, design process, early calculations, uncertainties, large dataset, computational designers, tools, workflows, policies, regulations, data collection, communication, new solutions, technologies Chapter List 00:00 Personal Background and Interest in Sustainability 01:42 Sustainability in Personal and Professional Life 05:48 Computational Design as an Augmentation 07:13 Understanding Embodied Carbon 11:04 Introduction and Background 13:27 Recommendations and Guidelines for Embodied Carbon 16:06 Policies and Requirements for Embodied Carbon 19:04 Role of Computational Designers in Sustainability Practice 21:14 Customized Software and Plugins for Embodied Carbon Analysis 28:02 Interoperability and Openness in the Industry 31:07 EC3 and the Importance of Data in Embodied Carbon Analysis 38:36 The Future of Embodied Carbon Analysis 44:27 Data Practice and Backfilling Data 47:27 Risk Aversion and Trying New Things 49:19 Optimism for the Future of Sustainability in the Built Environment

In this episode, we dive deep into the challenges and rewards of overcoming risk aversion as a midlife Black woman. Join us as we explore the reasons why we might be more likely to shy away from risk and the transformative power of stepping outside of our comfort zones. Our host Janice Sutherland shares personal stories of overcoming her own fears and embracing opportunities, inspiring listeners to take bold steps towards a more fulfilling life. Forbes 50 over 50 list  ------------------------------------------------------------------------------ Are you a Black woman over 40 feeling stuck in your career? Discover how to plan your next chapter with confidence and clarity. Click here to schedule a FREE Exploratory Call and explore how I can help you: https://calendar.app.google/kE4hyrnQjVqcwNDz9 Subscribe to my FREE newsletter for exclusive career tips for the mature Black woman: https://www.janicesutherland.com/subscribe-to-twc-newsletter I'm Janice Sutherland, a Career and Life Strategist passionate about helping mature Black women navigate their midlife journeys. I help you discover your own answers, cultivate confidence, gain clarity, and effectively self-advocate for success. Connect with me: Website: https://www.janicesutherland.com Instagram: https://www.instagram.com/iamjanicesutherland/ LinkedIn: https://www.linkedin.com/in/iamjanicesutherland  YouTube Channel: https://www.youtube.com/@thiswomancan #thiswomancan  

This Postmodern Realities episode is a conversation with JOURNAL author Cole Burgett about his online article entitled, “Alien: Romulus, Risk Aversion, and the Parable of the Big Bad Company”. Editor's Note: This review contains spoilers for Alien: Romulus.] https://www.equip.org/articles/alien-romulus-risk-aversion-and-the-parable-of-the-big-bad-company/Related Articles and Podcasts:Episode 406 Faith, Family, and Fear: The Films of M. Night ShyamalanFaith, Family, and Fear: The Films of M. Night ShyamalanEpisode 395: ‘Furiosa', ‘Mad Max', and the Modern Apocalyptic Myth“‘Furiosa', ‘Mad Max', and the Modern Apocalyptic Myth“.Episode 392 Review of “Kingdom of the Planet of the Apes” and the Mythologizing of Evolutionary Humanism“Review of Kingdom of the Planet of the Apes and the Mythologizing of Evolutionary Humanism“Episode 383 ‘Dune: Part Two' Film Review: We're All Mad Down Here: Religious Fundamentalism in ‘Dune: Part Two'“We're All Mad Down Here: Religious Fundamentalism in Dune: Part Two”Episode 261 Dune and the Future of the Science Fiction Epic Dune and the Future of the Science Fiction Epic on part 1 of Dune.  

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Forget What You Thought You Knew About Investing!It's Purchasing Power, Not Principal Preservation, That's The Actual Key To Success! Behavioral Finance...Jonathan Blau, Founder and CEO of Fusion Family Wealth and his Team, stop clients from making the emotional mistakes that ultimately lead to running out of money when it's needed most (Watch more here)!Typical Investor Behavior1) Fight or Flight - Panic reactions leading to selling market bottoms, and euphoric reactions leading to chasing stocks at elevated prices.2) Emotion - Psychologically pain of loss is 2X worse than the thrill of gains, leading to holding losers and selling winners.How Do We Overcome Typical Investor Behavior?1) Learn real risks, aka the loss of purchasing power!2) Develop a goal-focused plan.3) Diversify - Avoid concentration of risk4) Buying good stock investments on saleThis discussion with Jonathan systematically convinced Do You Ever Wonder host Mike Haltman that his long-held beliefs about investing and portfolio structure were wrong.In other words, the traditional 60/40 stock/bond portfolio adjusted over time becoming even more bond-heavy as investors age, falls short of meeting most long-term financial goals.Why? Because the investor is going to lose what really matters...Purchasing Power!According to Jonathan, for an investor to maintain purchasing power over time, including throughout their retirement years, a portfolio should be close to 100% stocks.Although stocks are volatile and each year will at some point decline, (some years more than others i.e. the tech bubble, 9/11, 2008 Financial Crisis), regardless of the reason for those declines stock indexes have historically continued to move higher and beat the inflation rate by a significant amount.And, dividends have continued to grow.In other words, because stock prices increase over time despite short-term volatility and dividends continue to grow, an investor will preserve their purchasing power.But it's the volatility, despite being short-term in nature, where managing investor BEHAVIOR becomes key!First, Consider How Bonds Are The Nemesis Of Maintaining Purchasing PowerTraditional investing would include buying a bond, in this example a 30-year bond with a 5% coupon (use $1MM invested). Each year the investor will receive $50,000 and at the end of the 30 years get the $1MM back.But because that $1MM in principal has not grown, and the income generated has remained the same, inflation has seriously impacted Purchasing Power!This concept about bond avoidance and the inadequacy of the traditional bond/stock portfolio mix runs counter to most investors' emotional need to protect their principal.But sitting with Jonathan Blau and listening to his investing and portfolio structure thesis, Do You Ever Wonder host Mike Haltman became a believer! Because it made perfect sense!Investor Behavior Can Impede Investing Success!Although preserving purchasing power is absolutely critical, it runs into the powerful impediment of investor behavior and psychology that focuses on a desire to preserve principal.Why? Because of the ingrained desire of most investors to preserve principal despite the fact that it's destroying purchasing power.Jonathan and his Team stop clients from making the emotional mistakes that ultimately will lead to running out of money at the time that they need it most!Learn more at Fusion Family Wealth here https://www.fusionfamilywealth.com/

We look deep into the world of cash-based physical therapy practices. We discuss the pros and cons of opening a clinic in a gym, explore the concept of loss aversion in business decisions, and share personal experiences from clinical rotations. Whether you're a seasoned physical therapist or a student about to enter the field, this episode is packed with valuable advice on advancing your career, negotiating salaries, and understanding the nuances of clinical education.Main Topics Covered:Evaluating a cash-based gym opportunityUnderstanding risk aversion in business decisionsThe importance of clinical education and mentorshipPersonal experiences from clinical rotationsTips for negotiating salaries and career advancement in physical therapyChapters:00:00 - Introduction02:00 - Cash-Based PT Practice: Evaluating Gym Opportunities10:15 - Risk Aversion and Business Decisions18:30 - Importance of Clinical Education and Mentorship26:45 - Personal Experiences from Clinical Rotations34:00 - Salary Negotiation and Career Advancement Tips42:30 - Q&A and Closing Remarks

Matt McLelland, VP of Sustainability and Innovation, Covenant joined Grayson Brulte on The Road to Autonomy podcast to discuss why certain trucking companies aversion to risk could slow down innovation and have negative economic consequences on their businesses if they delay the rollout of autonomous trucks.This is a thought-provoking, unstructured yet insightful conversation about the complex relationship between risk aversion and the development of autonomous vehicles and autonomous trucks. During the conversation, Grayson and Matt explore how society's growing fear of risk is stifling progress in the autonomous trucking industry, drawing parallels to historical examples of transformative innovations such as the space program and the development of the airplane that may have never come to fruition in today's risk-averse climate.Throughout the discussion, Grayson and Matt grapple with the multifaceted nature of risk perception, from individual responsibilities to the role of tort law and media sensationalism. They argue that the disproportionate attention given to rare autonomous vehicle accidents, coupled with a litigious environment, is creating an atmosphere of fear that threatens to slow the adoption of this life-saving technology that will have positive economic benefits.The conversation also delves into the economic implications of risk aversion, with Grayson asserting that the rising costs associated with insurance and legal liability are becoming a significant burden for companies pioneering autonomous trucks and vehicles. Matt shares his firsthand experience with these challenges at Covenant Logistics, highlighting the need for tort reform and a shift in public perception.Despite the obstacles, both Matt and Grayson remain optimistic about the future of autonomous vehicles and trucks. They emphasize the importance of personal responsibility, education, and a willingness to embrace calculated risks in order to continue pushing the boundaries of innovation. The episode concludes with a call to action, urging listeners to recognize their own role in shaping societal attitudes towards risk and to support the brave innovators who are working to create a safer, more efficient future through autonomous technologies.Recorded on Thursday, May 16, 2024Episode Chapters0:00 Risk26:27 Fear30:54 Managing Risk32:25 Conquering the Fear of Risk41:32 Key Takeaways--------About The Road to AutonomyThe Road to Autonomy® is a leading source of data, insight and commentary on autonomous vehicles/trucks and the emerging autonomy economy™. The company has two businesses: The Road to Autonomy Indices, with Standard and Poor's Dow Jones Indices as the custom calculation agent; Media, which includes The Road to Autonomy and Autonomy Economy podcasts as well as This Week in The Autonomy Economy newsletter.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Tune in to hear:Why is it that we hate uncertainty even more than bad news?How does our dread of uncertainty impact our decision making process?If a client comes in agitated vs. paralyzed, does the means by which we resolve this uncertainty look different from reaction to reaction or do they share a common solution?Is normalization part of regulating your clients emotionally whether it is deeply hot or deeply passive?What are the 4 most common emotional reactions to uncertainty?How can embracing uncertainty sometimes lead to outperformance and a greater sense of purpose?Why is uncertainty often a prerequisite for growth and learning?LinksOrion Advisor AcademyConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 0682-OAS-3/20/2024

Tune in to hear:What makes women so uniquely good as behavioral investors?Why have many thought of women as particularly risk averse for so many years and what systems, on the trading floor and elsewhere, have perpetuated this misconception?Some book recommendations on women in investing and its history.Examples of how insidious the bias against women in finance can be.What can we do to attract more women to financial services when we know they are so well suited for the field?What can we be doing better, as an industry, around how we treat and communicate with our clients who are women?Why is the financial services industry seeing fewer and fewer new recruits and how can we get young talent interested in this work? Might career changers play a big role here?If Lindsey were to design a training and hiring program for new advisors, what changes might she make to improve the terrible attrition rate the industry currently has?LinksLindsey Lewis on LinkedInLindsey Lewis on InstagramThe Center for Women in Financial ServicesWomen Working in Wealth PodcastConnect with UsMeet Dr. Daniel CrosbyCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 0620-OAS-3/11/2024

To reform India, you must reform the Indian state. Karthik Muralidharan joins Amit Varma in episode 375 of The Seen and the Unseen to talk about his much-awaited new book that has finally released -- and the chapters on it that deal with our bureaucracy. (FOR FULL LINKED SHOW NOTES, GO TO SEENUNSEEN.IN.) Also check out: 1. Karthik Muralidharan on Twitter, LinkedIn, Google Scholar, UCSD and CEGIS. 2. Accelerating India's Development -- Karthik Muralidharan.  3. Fixing Indian Education — Episode 185 of The Seen and the Unseen (w Karthik Muralidharan). 4. Understanding Indian Healthcare — Episode 225 of The Seen and the Unseen (w Karthik Muralidharan). 5. Karthik Muralidharan Examines the Indian State -- Episode 290 of The Seen and the Unseen. 6. In Service of the Republic — Vijay Kelkar & Ajay Shah. 7. The Art and Science of Economic Policy — Episode 154 of The Seen and the Unseen (w Vijay Kelkar and Ajay Shah). 8. Brave New World -- Vasant Dhar's podcast. 9. To Kill A Mockingbird -- Harper Lee. 10. Fixing the Knowledge Society -- Episode 24 of Everything is Everything. 11. The Elusive Quest for Growth -- William R Easterly. 12. The White Man's Burden -- William R Easterly. 13. The Tyranny of Experts -- William R Easterly. 14. Thomas Sargent's speech at Berkeley. 15. Front-line Courts As State Capacity: Evidence From India -- Manaswini Rao. 16. The Argumentative Indian -- Amartya Sen. 17. BR Ambedkar's speech to the constituent assembly in 1949. 18. State Building -- Francis Fukuyama. 19. Why Freedom Matters -- Episode 10 of Everything is Everything. 20. Understanding the State -- Episode 25 of Everything is Everything. 21. When Should the State Act? -- Episode 26 of Everything is Everything. 22. Public Choice Theory Explains SO MUCH -- Episode 33 of Everything is Everything. 23. The Life and Times of KP Krishnan — Episode 355 of The Seen and the Unseen. 24. The Reformers -- Episode 28 of Everything is Everything. 25. The Political Economy of Bureaucratic Overload -- Aditya Dasgupta and Devesh Kapur. 26. Red Tape -- Akhil Gupta. 27. Paper Tiger -- Nayanika Mathur. 28. Desperately Seeking Shah Rukh — Shrayana Bhattacharya. 29. The Loneliness of the Indian Woman — Episode 259 of The Seen and the Unseen (w Shrayana Bhattacharya). 30. The Life and Work of Ashwini Deshpande -- Episode 298 of The Seen and the Unseen. 31. Annie Hall -- Woody Allen. 32. The withering trend of public employment in India -- CP Chandrasekhar and Jayati Ghosh. 33. The Colonial Constitution — Arghya Sengupta. 34. Arghya Sengupta and the Engine Room of Law — Episode 366 of The Seen and the Unseen. 35. Active and Passive Waste in Government Spending -- Oriana Bandiera, Andrea Prat and Tommaso Valletti. 36. Lagaan -- Ashutosh Gowariker. 37. List of Soviet and Russian leaders by height. 38. Bureaucratic Indecision and Risk Aversion in India -- Sneha P, Neha Sinha, Avanti Durani and Ayush Patel. 39. A Theory of Misgovernance -- Abhijit Banerjee. 40. Premature load bearing: Doing too much too soon -- Matt Andrews, Lant Pritchett and Michael Woolcock. 41. Sense and Sensibility -- Jane Austen. 42. Pride and Prejudice -- Jane Austen. 43. The Life and Times of Montek Singh Ahluwalia — Episode 285 of The Seen and the Unseen (w Montek Singh Ahluwalia). 44. India's Massive Pensions Crisis — Episode 347 of The Seen and the Unseen (w Ajay Shah & Renuka Sane). 45. The Tragedy of Our Farm Bills — Episode 211 of The Seen and the Unseen (w Ajay Shah). 46. How China Escaped the Poverty Trap -- Yuen Yuen Ang. 47. Pritika Hingorani Wants to Fix Our Cities -- Episode 361 of The Seen and the Unseen. 48. Gangaajal -- Prakash Jha. 49. Building State Capacity: Evidence from Biometric Smartcards in India -- Karthik Muralidharan, Paul Niehaus and Sandip Sukhtankar. 50. Amitabh Bachchan on Twitter. 51. Nick Bloom at Stanford. 52. The Personnel Economics of the Developing State -- Frederico Finan, Benjamin Olken and Rohini Pande. 53. Double for Nothing? Experimental Evidence on an Unconditional Teacher Salary Increase in Indonesia -- Joppe de Ree, Karthik Muralidharan, Menno Pradhan and Halsey Rogers. 54. The Indian Labour Market through the Lens of Public Sector Recruitment -- Kunal Mangal. 55. Timepass: Youth, Class, and the Politics of Waiting in India -- Craig Jeffrey. 56. Karmayogi Bharat. 57. India Moving — Chinmay Tumbe. 58. India = Migration — Episode 128 of The Seen and the Unseen (w Chinmay Tumbe). 59. A new vision for legal education in India -- Abhishek Singhvi. 60. Womaning in India With Mahima Vashisht — Episode 293 of The Seen and the Unseen. 61. Zindagi Toh Bewafa Hai -- Song from Muqaddar Ka Sikandar. Amit's newsletter is explosively active again. Subscribe right away to The India Uncut Newsletter! It's free! Amit Varma and Ajay Shah have launched a new video podcast. Check out Everything is Everything on YouTube. Check out Amit's online course, The Art of Clear Writing. Episode art: ‘Magic and Files' by Simahina.

In this enlightening episode of the Balanced Lady Boss Show, join us as we talk the truth about the intricacies of transitioning from a corporate career to embracing entrepreneurship full-time. Stacey shares her candid experiences, valuable lessons, and practical tips to navigate this significant life change. Key Takeaways: The Decision to Leave Corporate: Understand the why behind making the leap from a stable corporate job to the unpredictable world of entrepreneurship. Planning Your Transition: Insights into the crucial role of planning, intention setting, and vision crafting in your entrepreneurial journey. Embracing the Pivot: Learn about the concept of pivoting – changing directions while staying grounded in your core intentions and goals. The Importance of a Support System: Discover how mentors, family, friends, and a community can provide essential support and guidance. Financial Preparation: Tips on financial planning, creating a nest egg, and the concept of a sabbatical as a transition strategy. Mind Mapping for Success: A practical guide on using mind mapping to outline your entrepreneurial vision and goals. Risk Aversion and Emotional Well-being: Strategies to manage fear and maintain emotional well-being during your entrepreneurial journey. Building Your Community: The significance of finding a mentor and involving your immediate family and friends in your entrepreneurial venture. The "Go Hard or Go Back to Work" Mentality: Understanding the commitment and consistency required to succeed in entrepreneurship. Resources and Tools Watch this podcast episode and Stacey Hines on YouTube https://youtu.be/wWmbHAtv4Mg  This episode is brought to you by Epic Transformation Intention Cards These intention cards are perfect for self-affirmation work. They're a great way to help you ground in positive thoughts, allowing you to guide your thoughts and align with the things that will bring you closer to that feeling of safety and security. There are 52 cards in the deck - one for every day of the year, and there are lots of different ways you can practice with the cards. Get a FREE bonus gift when you purchase your deck of cards through this link:  www.epicintentioncards.com  Balanced Lady Boss Community: www.balancedladyboss.com   The Living with Intention Journal: https://a.co/d/fyCCu3C  Check out Stacey Hines's website for more resources: staceyhines.com/resources  Stacey Hines Website: www.staceyhines.com  Our Community on LinkedIn: https://www.linkedin.com/company/balanced-lady-boss/

Summary In this episode we welcome former Navy Corpsman , CEO of Holden, and Founder of The Vangaurd, Mark Holden. Join us for one of the most interesting discussions you'll find on drone warfare and the future of unmanned aerial systems (UAS). We'll explore the use of drones in military operations, the ethical implications of using robots in warfare, the potential for AI-driven swarm attacks, and efforts to reduce tissue damage on the battlefield. We'll also breakdown Mark's venture into Entrepreneurship and how he's found success using LinkedIn as a brand-building platform. We'll go over a ton of tips and tricks for building an audience and finding ways to monetize that attention. This was one of our favorite episodes to date and we look forward to hearing some of your feedback! Show Links Get 1-month of FREE access to the ⁠Vetrepreneur Collective Community⁠ by using discount code: NLT1UQTI Join us here: https://www.vetrepreneurcollective.com/ Sign up for our Weekly Newsletter: ⁠https://www.vetrepreneurcollective.com/ Download Free Business Launch Guide: ⁠https://www.vetrepreneurcollective.com/ Follow us on LinkedIn: ⁠https://www.linkedin.com/company/harder-not-smarter Episodes also available on Spotify, Apple, and Amazon Music. Holden's Links: https://www.linkedin.com/in/mark-n-holden/ https://www.thevanguardcommunity.com/ https://www.defensebyholden.com/ Chapters 00:00 Introduction and Background 01:02 Evolution of Unmanned Warfare 03:22 Current Use of Unmanned Systems in Conflict 07:13 Chinese Influence in the Drone Industry 09:55 Potential Threats and Future Warfare 13:02 Human-Machine Teaming and Unmanned Systems 16:15 Ethical Considerations and Public Perception 19:44 Mark Holden's Journey and Mindset 25:19 Risk Aversion and Entrepreneurship 29:07 Veterans in Entrepreneurship 36:19 Mark Holden's Business Ventures 39:43 Building and Thriving in Communities 47:02 The Challenges of Starting a Podcast 52:53 The Power of LinkedIn for Business Growth 57:18 The Importance of Community and Retention 01:04:23 The Value of Community and Recurring Revenue 01:09:14 The Journey of MedTech Militia 01:10:20 Breaking the Stigma of Mental Health 01:12:21 The Harder, Not Smarter Podcast 01:14:11 Continual Service and Mission 01:15:22 Reducing Organic Tissue Damage 01:16:18 The Importance of Veterans' Platforms 01:17:43 Providing Value and Giving Back 01:18:54 Building Owned Land and Monetizing 01:20:36 The Power of Engageable Content 01:22:25 Taking Rented Land to Owned Land 01:24:17 Using Podcasts for Business Development 01:26:30 The Power of Collaboration 01:28:05 Finding Purpose in Entrepreneurship 01:31:14 Support from Spouses and Partners 01:38:38 Where to Find Mark Holden

"What's the one thing we need for a stellar Customer Experience?"    If we had a dollar for every time clients asked us this, we'd, well, have quite a few dollars.    The question is understandable. This unspoken desire for a silver bullet solution echoes across industries. We all want a silver bullet solution that will fix our problems, whether for weight loss, financial growth, or, in Colin's case, for playing the guitar.    The problem is that there isn't one for CX improvement. Or guitar, frankly. Achieving mastery in guitar isn't about shortcuts—it's about hours and hours of practice. Likewise, crafting a remarkable CX demands dedicated effort, not a quick fix. Yet, the allure of a silver bullet persists.   The quest for a single, transformative action stems from a human penchant for simplicity, urgency for instant results, and an aversion to complexity. Many wish to sidestep the nuanced challenges of CX improvement, preferring an easy remedy. It's a journey fueled by a lack of CX expertise, feeling overwhelmed by the myriad CX considerations, and the appeal of past CX success stories with simple solutions.   In this episode, we explore seven reasons we want silver bullet solutions. Perhaps more importantly, we offer a realistic perspective on embracing the truth: CX improvement demands dedication and a holistic approach. By understanding the reasons behind the silver bullet mindset, businesses can navigate their CX journey with a clearer understanding and realistic expectations.   In this episode you will discover:   Why our psychology drives us to crave straightforward solutions, overlooking the intricacies of CX enhancement. How our love for immediate results fuels the search for quick fixes and why we shy away from the multifaceted challenges in CX, seeking simplified remedies. What guitar solo Colin would play if he had a magic wand, or, magic guitar pick.  The influence of exceptional cases and how they reinforce the belief in silver bullet solutions. How our old pal Risk Aversion weighs in by leading us to seek shortcuts instead of embracing comprehensive CX strategies.  

This week, Rusty and Robyn are joined by Frank Nickel and Tom LaBarbera from Orion Portfolio Solutions to discuss Direct Indexing. Frank is an experienced investment professional known for his expertise in portfolio management and a history of contributing positively to performance outcomes.. He believes that a rigorously designed, flexible and robust investment process can add value by exploiting market opportunities. Thomas LaBarbera is a Quantitative Portfolio Manager at Orion who manages 23 SMA strategies within Beta, Factor and Thematic Portfolios for qualified and non qualified assets. In addition, he works alongside marketing and sales to enhance distribution channels and raise AUM. Key Takeaways[03:20] - The guests' professional backgrounds and what they are doing in their current positions.[04:36] - What is quantitative investing and what are some arguments for why it is an effective way to manage portfolios?[06:35] - How do Frank and Tom define, measure and manage risk?[09:25] - What do most people get wrong about, or not appreciate about, risk?[11:30] - How exactly would they define Direct Indexing?[12:42] - How much is Direct Indexing expected to grow?[14:25] - What are the arguments for why certain clients would want customization and why others don't want any customization?[15:45] - Where does the “Disciplined Equity” product line at Orion align with Direct Indexing and how does it differ?[16:50] - How “actively” are they working on the “Disciplined Equity” strategies?[19:02] - What new strategies are they currently working on?[20:56] - How does their team produce and vet new ideas before introducing them?[22:22] - Where do  they think the financial services industry is headed next?[23:41] - How might AI impact the financial services profession?[24:36] - What is currently their favorite investment idea?Quotes[19:10] - "We recently launched two new strategies. The first came up over the summer, and it was an Artificial Intelligence strategy. With all of our strategies that we run, how we get to them is, we take demand from the field…The most recent strategy we launched is called ‘Agressive Equity,' and again that's trying to provide a very aggressive profile. We're looking at…companies with really high growth rates…and that came from, again, from demand from a very specific client that was looking to use that strategy in conjunction with a fundamental active manager.  ” ~ Frank Nickel[24:36] - "I love Small Cap. I was a Small Cap manager for 15 years, [and] I think for the last 10 it has been extremely undervalued. I think there are a lot of areas in the market that are undervalued, and they are not undervalued because they aren't appreciated, I think tech has taken all of the air out of the room…This year could be a small cap rally if rates are reduced, but that's dependent on rates and you can't predict that.” ~ Tom LaBarberaLinks“Bad to the Bone” by George Thorogood“Live Like You Were Dying” by Tim McGrawConnect with UsMeet Rusty Vanneman, Orion's Chief Investment OfficerCheck Out All of Orion's PodcastsPower Your Growth with OrionDisclosure(s)Custom Indexing offered through Orion Portfolio Solutions, LLC a registered investment advisor.Orion Portfolio Solutions, LLC, an Orion Company, is a registered investment advisor. Wealth Management services are offered by Orion Portfolio Solutions, LLC d/b/a Brinker Capital Investments a registered investment advisor. Orion Portfolio Solutions, LLC is a wholly owned subsidiary of Orion Advisor Solutions, Inc. (“Orion”)Compliance Code: 0613-OPS-3/11/2024

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Today's guest is Joel Friedland.   Joel has 40 years of experience as a broker, investor and syndicator in industrial real estate.   Show summary:  In this episode Joel Friedland  shares his journey from starting as a broker to establishing his own firm. He stresses the importance of specialization and building lasting client relationships. Joel discusses the industrial market's growth due to e-commerce and manufacturing but warns of economic downturns. He advocates for all-cash deals, avoiding debt for investment stability, and highlights the competitive edge it provides. Joel compares leveraged investing to gambling, promoting a risk-averse strategy for long-term security.    -------------------------------------------------------------- Intro (00:00:00)   Staying focused on industrial real estate (00:01:57)   Market swings and the state of the market today (00:06:18)   Types of industrial real estate and market demands (00:09:10)   Positioning in the industrial real estate market (00:11:06)   Reasons for selling industrial buildings (00:15:24)   The no-debt financing model (00:17:53)   Competitive offers and leveraging returns (00:21:29)   Risk Aversion and Leverage (00:23:45)   Gambling in Real Estate (00:24:47)   Balanced Portfolio and Risk Mitigation (00:26:57)   Conclusion and Contact Information (00:27:48)   Closing (00:28:25) -------------------------------------------------------------- Connect with Joel Friedland:  Instagram: @investingwithjoel YouTube: @britproperties Tik Tok: @investingwithjoel LinkedIn: Brit Properties Web: https://britproperties.com/   Connect with Sam: I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook: https://www.facebook.com/HowtoscaleCRE/ LinkedIn: https://www.linkedin.com/in/samwilsonhowtoscalecre/ Email me → sam@brickeninvestmentgroup.com   SUBSCRIBE and LEAVE A RATING. Listen to How To Scale Commercial Real Estate Investing with Sam Wilson Apple Podcasts: https://podcasts.apple.com/us/podcast/how-to-scale-commercial-real-estate/id1539979234 Spotify: https://open.spotify.com/show/4m0NWYzSvznEIjRBFtCgEL?si=e10d8e039b99475f -------------------------------------------------------------- Want to read the full show notes of the episode? Check it out below: Joel Friedland (00:00:00) - In every downturn when there's been, let's call it agitation of my mental health and my investors. Investment safety. Yeah, it's been because in every case I can prove in every case it's because we had a loan.   Intro (00:00:18) - Welcome to the how to Scale Commercial Real Estate show. Whether you are an active or passive investor, we'll teach you how to scale your real estate investing business into something big.   Sam Wilson (00:00:31) - Joel Friedland has 40 years of experience as a broker, investor and syndicator in industrial real estate. Joel, welcome to the show.   Joel Friedland (00:00:39) - Thanks, Sam. It's great to see you.   Sam Wilson (00:00:41) - Absolutely great to see you, Joel. I asked three questions to every guest who comes on the show in 90s or less. Can you tell me where did you start? Where are you now and how did you get there?   Joel Friedland (00:00:52) - Sure., so I'm 64 today. I've been in the real estate business since day one. I've only had one career, and it's industrial real estate in Chicago. I started out as a broker, working for a family that was in the business for decades, and they had 80 buildings that they owned as syndicators, and they hired me as a leasing agent right out of college, and they trained me and taught me, and they were my mentors.   Joel Friedland (00:01:20) - And eventually I tried to join the family wasn't my family, and they wouldn't let me in. So I started a business with three other guys and we did the same thing. I've stayed close with that original family. I'm so close with them, actually, with one of the one of the sons that today I'm having a call with my advisory group before I buy buildings. I have an advisory group zoom meeting, and he's one of the leaders of the zoom call, and that's from 40 years ago. Same relationship. Still love him. We love each other and he's brilliant.   Sam Wilson (00:01:57) - And that's absolutely amazing. I mean, I don't know if I would put that in the blessed category, like there's there's very few people that can have a single career, not only a single career, but one in a very, very niche asset class without ever looking to the left or to the right. How did you stay on track and avoid temptation to look at other shiny objects?   Joel Friedland (00:02:24) - So I have studied successful people. I've studied people who are super wealthy.   Joel Friedland (00:02:32) - And primarily families that are super wealthy. And I'll tell you what they have done with their business. They've stuck with it. They don't go. They don't go to the right. They don't go to the left. They just stuck with it. I can give you the stories of about 200 family businesses that I've done business with as a broker and as a syndicator, where they invest with me and every one of them goes back decades. I have a company. We're buying a building right now from a family that started a business in 1935. In Chicago. It's called the. The company in the building is called talk. Often they make you know, have you ever been in a parking garage or a university or mass transit place where they've got those posts with the blue lights, with the phone you pick up or you push a button to get security? Yep. They make those talk. A phone makes that. So these two guys started the business back in the 1930s. And now the the family that owns the building that they've been running the business in.   Joel Friedland (00:03:44) - , they are are the grandchildren of the original founder. Why are they so rich? Because they did one thing. Because if you jump around, you don't learn. The ins and outs of the business. When you do something long enough, you learn it. And I'll give you an example, just like a. A metaphor or a or a. I don't know the difference between the, but,, an analogy. So,, my mother had,, kidney cancer diagnosed a few months ago. All right. So who does she go to? She goes to the kidney. Removal urologist. Who's the best in the world, right? You want the best one in the world? Would you go to someone who says, well, I used to do knees and I didn't like that so much, it didn't work out. So I started doing brain surgery.   Sam Wilson (00:04:45) - It didn't like.   Joel Friedland (00:04:46) - That. So I decided to go into being a urologist. And I've done a few kidneys. I've done it for a couple of years.   Joel Friedland (00:04:54) - You know, you could move the frick out of there so fast. Yes, but the person who has done dozens and dozens of kidney surgeries a month, right? Same thing, same thing, same thing. So that's what my mother did. We went, we're in Chicago. She went to the University of Chicago. And Doctor Shalhoub is the guy that she saw. You know what? He removed my dad's kidney 12 years ago. Wow. He's the guy we trust. So. I'm in the same business, industrial real estate in Chicago. The niches, small industrial buildings, class B. With it are occupied by manufacturers that are owned by families. That's my niche. That's it. And there's 16,000 industrial buildings in Chicago. And there's about 20,000 companies in Chicago and industrial one point 5,000,000,000ft². If I can't make a seven figure income by knowing that market really well, I'm a moron. But I'll tell you what. If I go do deals in Tennessee, or I go into the office leasing business, or I go into the retail business or the multifamily, someone who's been in it for 40 years like I have, is going to eat my lunch, right.   Joel Friedland (00:06:15) - So I stick with one thing.   Sam Wilson (00:06:18) - I love it, I love it. That's that is that is admirable. And I appreciate you, given the insight onto your motivation and kind of thought process behind why you have stuck with that one thing, that one thing has seen, I'm sure, in the last 40 years, many different. Comings and goings of both market swings, of industrial appetite, of tenant, types of lease rates, cap rates, the whole nine yards if you will. Can you break down some of that for us? And maybe at the end of that give us a state of the market today?   Joel Friedland (00:06:52) - Sure. 1981, when I started working for the Podolsky family,, there were interest rates out there like you wouldn't believe 17, 17 to 20% makes today's 7% mortgage look like a really good deal. We were in a terrible recession. It rode up after that because there's a recovery after recessions. And then in 1990, we hit another bump and there was a downturn. And through the 1990s it was great.   Joel Friedland (00:07:21) - And then there was another downturn in 2001 when nine over 11 happened. And we rode that up. And then there was another downturn, which is the worst 1 in 2008. And now things have been riding for 15 years, all to the good low interest rates, cap rates coming down. You can't blow it in a market where you can borrow at 4% and cap rates keep going down. But that's changed. And now people are struggling because interest rates are all of a sudden at 7% instead of at 4%. And if you had floating rate debt and a lot of debt, you're screwed. So the market's been great. Industrial has been great for four years. Rents have increased 80% throughout the entire market in North America, including Canada. And that means if your rent was $5 a square foot when you started out five years ago with the lease, today it's nine. So it's been booming because of the internet? Because the internet requires warehouses. And because of manufacturing. Because as manufacturing does well, it requires industrial buildings, which are warehouses that they fit with their machines and bring all their employees in to make stuff.   Joel Friedland (00:08:35) - So that's that's what the look is today. I think the market's coming down a little today. I think the the economy, the real estate economy is in a bit of trouble. And industrials still doing great. But it's not immune. Nothing's immune.   Sam Wilson (00:08:51) - No. Nothing's immune. Certainly I would I would propose that things change as in the especially, you know, the types of industrial maybe that tenants want. Have you seen any shift in the last couple of years on the types of industrial real estate that is, that people are, are leasing.   Joel Friedland (00:09:10) - They're leasing every kind of industrial real estate. So if if you drive down the highway in any town, big, big city, small town along the highway, you're going to see big industrial buildings occupied by companies like Amazon, right? Wayfair, like target for their online sales warehouse and for their warehouse for their stores. And if you think about it, every product in the world is made in an industrial building, except for crops that come from a farm.   Joel Friedland (00:09:41) - But they are brought to industrial to be packaged and sent out. So there's nothing. If you look around on your background and you've got,, the sign, you've got the wood, you've got the,, microphone. Everything in your office, in your house was made in an industrial building someplace. Yeah, and they have to keep making it. You know, you look in the background here, everything here. There's what's in my office here probably represents 10,000 industrial buildings where products were made that either are parts that went into my phone or parts that went into my lamp. Industrial is everywhere and is necessary. And it's a part of the supply chain. It is the supply chain. Right, right.   Sam Wilson (00:10:30) - No, that makes absolute sense. I love it, and it's one of those. It's one of those.. Who? I don't want to call it recession proof, but it's almost my question for you would be is on the,, you know, as demand changes or if the if the man doesn't change, I mean, tell me a guest on that front.   Sam Wilson (00:10:49) - I know you said that. Yes. Everything comes from a factory and or an industrial warehouse, but how do you position yourself to be in front of what that demand type is? And or, you know, what customers want? Is that is that a question? Even make sense?   Joel Friedland (00:11:06) - Yeah. I don't have to be in the front of it. I have to be in the middle of it. What's that mean? I have to be in the middle of it. I have to be. I have to own industrial buildings in great locations where companies want to be, and I have to keep my tenants. And, you know, you and I talked about this before we buy all of our buildings., all cash, no mortgage, debt free. And I think I've done a little study. There's probably 4000 syndicators in the United States with portfolios over $50 million. And I would say of the 4000, we may be the only one that does all cash deals. Yeah. So when I say I have to be in the middle of it, I have to own buildings.   Joel Friedland (00:11:49) - My investors put 25, 50 or $100,000 into our deals. They expect me to know what I'm doing and to protect their money, which is why we don't have mortgages. You can't lose to a bank if there's no mortgage. Right. My tenants expect me to give them a fair deal. And they expect me to keep their roof from leaking. These are net leases. But even in a net lease,, in industrial, landlords are almost always responsible for the roof and the structure of the building. So being in the middle of it means knowing my market inside out and only buying buildings that are desirable for any kind of tenant. No matter what they do, whether they're a distributor or a manufacturer. And making sure that they are in locations where there's a lot of,, population density public transportation in Chicago., we own ten industrial buildings in the city, and with one exception, they are all occupied by distributors and manufacturers. We have one that's a service company., in Florida, for example, there's a complex in in every major city in Florida where they have service companies,, and they have drive in doors so that companies that install shower doors or companies that do sprinkler systems or clean pools, they don't have loading docks and they don't have manufacturing.   Joel Friedland (00:13:18) - Florida is not a manufacturing area. Right, right. Pretty much the Rust Belt is. So the Rust Belt is is sort of the East Coast. The the Midwest. And then going out into Southern California, there's there's a lot of manufacturers there, but most of the other markets are distribution markets. So to be ahead of the market, you'd have to have a big warehouse in Nashville. There aren't a whole lot of manufacturers moving to Nashville, and it's a smaller market in Chicago. There are so many companies manufacturing products. I just need to own a building that they all like. That's the key. So it's gotta have high ceilings. It's gotta have good loading docks. It's all about the geometry and the physical makeup of the building. So I don't have to be in front of it because it's a very old line business. All these buildings go back to the 1960s. 70s 80s 90s the last 20 years,, we just buy existing buildings. We don't build anything. So the people who stay out in front of it are the developers who build these giant 500,000 square foot buildings, million square foot.   Joel Friedland (00:14:29) - We don't do that. Because we're syndicators, we have to do a smaller variety of business than buying a $200 million complex with one tenant.   Sam Wilson (00:14:39) - Right, right. And that's actually here in the Memphis market, which is, you know, a huge distribution market. That's what we're seeing. Sit vacant actually, right now are those massive buildings that there was a boom there for a while. But those massive buildings are the ones that I was talking to a broker here locally about. They said the smaller stuff like maybe, you know, what you're getting into is stuff that's still, you know, in high demand, but those huge buildings just are they're tougher to move right now. So that's, yeah, that's really interesting. Let me ask you this. Why? Why do people sell these buildings? You're in a market that sounds like it has just. You know, unmet demand. So why are people even selling this at all?   Joel Friedland (00:15:24) - Now they don't. Very often. That's the problem. There are very few buildings on the market.   Joel Friedland (00:15:29) - Are our,, vacancy factor across the Chicago areas? About 4%. Whoa. And people don't move if you're in a in the industrial business. So let's say you're in multifamily or let's say mobile home park or let's say,, self-storage. Yeah. How long does it take one of those tenants to leave? Few hours, right, a few hours. An industrial company that's manufacturing products, that has 40 machines that are screwed into the floor, with 40 employees that have been trained how to use those machines over a period of years. Moving that takes two years from the start. When you think you want to move to actually implementing the move as a two year process. Wow. You can compress it probably to a year and a half if you're really good as a as an owner of a company. But why would they want to move if it takes two years to do it? And it's a distraction from what they do running their business. Also, they can't lose their employees. They don't want to move.   Joel Friedland (00:16:40) - They don't want to retrain people. And also usually if it's an entrepreneurial company, the location of their building is right near where they live, so that they don't have to drive that far for their commute. So for so many reasons, they don't leave. And, you know, the cost of moving the machines. This is just one company. We have a company that makes fruit juice concentrates in a building in Chicago. They're in 40,000ft². If they moved, it would cost them $20 million.   Sam Wilson (00:17:13) - Right. So they're heavily incentivized to stay put.   Joel Friedland (00:17:16) - That's they're not leaving. Yeah. No, no, they're.   Sam Wilson (00:17:20) - Not going.   Joel Friedland (00:17:20) - Anywhere.   Sam Wilson (00:17:21) - I want to ask you a question about your. And thanks for giving me the insight on that. That's that's really cool to be in a market like that and to,, be able to play in that in that space is,, is pretty cool. That's, that's, that's that's a very niche niche market niche kind of type that you're in there in the industrial real estate space.   Sam Wilson (00:17:38) - I think that that's fascinating. But let's talk a little bit about your. Financing and or lack of financing model. When did you kind of hatch that idea and potentially tell us why?   Joel Friedland (00:17:53) - , I've bought a hundred buildings over the years with my investor groups. And in every downturn when there's been. Let's call it agitation of my mental health and my investors. Investment safety. Yeah, it's been because in every case I can prove in every case it's because we had a loan.   Sam Wilson (00:18:21) - Wow.   Joel Friedland (00:18:21) - Every time you get in trouble, it's like, how are we going to pay the debt? How are we going to pay the mortgage? Okay. Real estate is a mortgage business. It's a business where you have leverage. Everybody knows that. That's what real estate is. But after 40 years really after about 35 years. So a few years ago, after recovering from 2008, where we did have losses, we lost money on sales, selling buildings that we should have made money on if we had better staying power.   Joel Friedland (00:18:52) - . And I look at all of the deals of the, of the 100 deals we've done, we own 19 and we've sold the other 81. And of the 81 we've sold, nine, which is roughly 10% have lost money. Wow. And the common link on every loss is that when things got bad in a down market, paying the debt became very difficult. Banks have no sense of humor. And I've decided that rich people who invest in deals for the long term want safety first. They want to preserve their capital. And I have a group of them that hate losing money and like, steady cash flow. You know what your cash flow is if if you have no debt, it's 100% of your NOI. 100%. There's nothing going to the lender. There is no lender. So an example. We have a building that's,, we're into it for about $2.5 million in Chicago. The company that's in it as a manufacturing company, they make,, welding,, safety products, safety products for the welding industry.   Joel Friedland (00:20:03) - The rents 235,000 a year. We have some expenses, but they pay the taxes, insurance, maintenance and utilities. When you take out our expenses, it's $220,000 of NOI on 2.7 million, which is our our all in price. It's an 8% cash on cash return. And we keep paying it because the tenant keeps saying they've been in the building since, I think 1987. They're not leaving. In. The rent goes up every so often, sometimes every year in certain buildings. So the no debt concept for me. Is. My investors love it. They do have riskier other investments, like my typical investor might have 1020 syndication investments, private placements. Sure, we're the only one with no debt. I don't recommend that other people do this. I just do it because for me, it makes me feel safe. I sleep at night and my investors sleep at night, but it's not for everybody.   Sam Wilson (00:21:14) - No. Certainly not. I really like that model. I guess the one kind of stand out question in my head is how do you make competitive offers if you're doing it in all cash?   Joel Friedland (00:21:29) - You mean offers to sellers.   Sam Wilson (00:21:31) - .   Joel Friedland (00:21:32) - Oh well we're the most credible seller in town. We don't need a mortgage. We're all cash buyers. So if someone's trying to sell a building to us for $2 million, I say I've got the cash in the bank, I don't need to borrow money. So we'll do our due diligence. We'll spend 30 days doing due diligence. If everything checks out., we'll close two weeks later. I don't need to go to a bank. I don't need to do anything. Just close.   Sam Wilson (00:21:57) - Right. I guess maybe the further thought on that is that leverage can potentially increase returns. So what you will have is that people can afford to pay more for it because they're taking leverage on that makes the deal, quote unquote, sweeter. Does that make any sense?   Joel Friedland (00:22:14) - It does. And I consider that to be gambling. Sure. It's just it is, it is. It's gambling. And I'm not saying, listen, gambling when you're an entrepreneur and you're in business or you're a real estate investor, you're a gambler to some extent, right? You're even if you read the paper, it's Hines bought this building in Bedford Park, Illinois, and they made a bet on an industrial and Bedford Park.   Joel Friedland (00:22:42) - It's a bet. It's a bet, right? So every every time you do a deal with a lot of leverage. If you're stretching to make the deal, and you're trying to prove to your investors that you're going to get them a better return than anyone, and to do so, you need to take a lot of risk by borrowing a lot of money where rates have to stay low, tenants can't leave., the the,, property doesn't need a lot of work. It doesn't need a new heating system. It doesn't need the driveway redone. It doesn't need roofs redone. If you can find the perfect situation and the market's going up. Yeah, sure. You can overpay for everything. We don't have to pay for anything.   Sam Wilson (00:23:29) - Right?   Joel Friedland (00:23:30) - Right. If someone wants to pay more than us because they're bigger gamblers than we are, we just don't get the deal.   Sam Wilson (00:23:36) - Right?   Sam Wilson (00:23:37) - I love it, I love the discipline there, and I really I really, actually,, appreciate that because, I mean, you you you know what you want one.   Sam Wilson (00:23:45) - The price of what it takes to sleep at night. There is a price to that. And that is maybe that you have less or, you know, lower returns maybe, than what the next guy does that takes on leverage, but that is a price you're willing to pay. And I love that. I mean, and it sounds like your investors love that too, because again, like you own it in cash. Like, okay. So oh well like right.   Joel Friedland (00:24:08) - We're we're risk averse. That's the that's the term or risk averse. And today, for example, I'm seeing a lot of people getting in trouble because they had floating rate debt and.   Sam Wilson (00:24:20) - They oh gosh.   Joel Friedland (00:24:21) - If you're the kind of gambler in real estate that says, I'm going to make a bet, I'm going to bet that if I buy this $10 million complex and I put 7 million of debt on it, so I have 3 million of equity. And I'm buying it for a six cap. If everything goes perfect in three years, I might be able to sell it for a five cap.   Joel Friedland (00:24:47) - But what happens if the market's bad rates have gone up? You can't afford your mortgage to even get to the point of selling it. The roof needs to be redone, the parking lot needs to be patched, and now you're in a situation where you're, like, swallowing hard and like, you know that that feeling I have over the years been a casino gambler. You know, that dopamine hit you get when you're playing blackjack. Do you gamble at all?   Sam Wilson (00:25:13) - I don't want to say this on air. 20 years ago, in my early 20s, I did. I, I gave that up about 20 years ago. But yeah, in my earlier life when I was younger and had more money to blow and no, no family and kids. Yes, I did at one point.   Joel Friedland (00:25:29) - Okay, so I believe that a $10 million purchase with a $7 million mortgage is a form of gambling. Oh, it's not that. It's not that it's wrong. And if you can project the 20% IRR over a three year period.   Joel Friedland (00:25:44) - And and make it happen. That means. You bought it for 10 million. It has to be sold for for more than 10 million. Because you got to get your money back and you got to pay the mortgage off. So you've got to get more than 10 million or you lose. So you're betting that the property in the next three years or five years will be worth because you have selling costs. It's got to be worth 11 million just to break even.   Sam Wilson (00:26:11) - At least.   Joel Friedland (00:26:12) - So you're betting that what you're buying now for 10 million will be worth at least 12 million, or you're a loser in the casino.   Sam Wilson (00:26:21) - Right?   Joel Friedland (00:26:22) - And anything goes wrong. You're you're staying. Power to get to that fifth year is debatable. And that's why you're seeing so many foreclosures today and so many people selling buildings for a loss all over the place. We just don't want to do that.   Sam Wilson (00:26:45) - No. There's no. And that's it. That's it man, I love your approach. Love the way you guys are doing things.   Sam Wilson (00:26:50) - I love the the no debt syndication that that that's really, really cool. So thank you for saying it's not for everybody.   Joel Friedland (00:26:57) - I'm not recommending it for people who go into syndications like mine, I recommend to them that they go into some risky things with a lot of upside. Sure, because you've got to have a balanced portfolio. First of all, they should own some stocks, they should own some bonds, they should have some cash, and they should have some real estate or other alternative alternative investments. I'm just a little tiny piece of everybody's portfolio.   Sam Wilson (00:27:25) - Right? Just a.   Joel Friedland (00:27:26) - Tiny piece. And that's all I should be.   Sam Wilson (00:27:29) - Right?   Sam Wilson (00:27:30) - Right. Yeah, but it's an important piece. It's an important piece. And it's in and it's. And it's a risk., I'm not gonna call it risk free, but it's almost as risk free of an investment as you can get. So, yes, I.   Joel Friedland (00:27:42) - Call it I call it highly risk mitigated.   Sam Wilson (00:27:45) - Right.   Sam Wilson (00:27:46) - Highly risk mitigated. Yeah. Absolutely.   Sam Wilson (00:27:48) - Joel, thank you for taking the time to come on the show today. It was certainly insightful. I've learned a lot about your market. I've learned a lot about your work history and career experience. It,, it was certainly great to have you on. And again, I learned I learned a lot from you. I love the way you guys are doing all of your deals in all cash, no debt., that's very, very compelling. If our listeners want to get in touch with you and learn more about you, what is the best way to do that?   Joel Friedland (00:28:12) - Brit properties. Brit with one t Brit properties.com Brit properties.com.   Sam Wilson (00:28:18) - We'll make sure we include that there in the show notes. Thank you so much again for coming on today. I certainly enjoyed it.   Joel Friedland (00:28:24) - Thank you Sam.   Sam Wilson (00:28:25) - Hey thanks for listening to the How to Scale Commercial Real Estate podcast. If you can do me a favor and subscribe and leave us a review on Apple Podcasts, Spotify, Google Podcasts.   Sam Wilson (00:28:35) - Whatever platform it is you use to listen.   Sam Wilson (00:28:37) - If you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank higher on those directories. So appreciate you listening. Thanks so much and hope to catch you on the next episode.

This episode of 'Govtech Today' delves into the complexities and intricacies of selling to the government and B2G operations, hosted by Russell Lowery and Jennifer Saha. The hosts differentiate between business-to-business (B2B), business-to-consumer, and business-to-government (B2G) sales, stating that selling to the government (B2G) is uniquely challenging due to its risk averseness and its lack of a profit incentive. Government's mission is to serve citizens and its spendings come from taxpayers' money, making it essential for them to evade risky, innovative ideas that could result in financial losses. Several constraints, including transparency protocols, rules, regulations, and policy priorities, all add layers of complexity and lengthen the procurement cycle. The conversation further explores the impact of the government's changing policy priorities, the obstacles in instigating procurement reforms, and how long-term planning could help in mitigating some of these issues. Lastly, the episode reveals a need for flexibility in dealing with laws and a goal for making the procurement process a little better.00:00 Introduction to Selling to the Government00:27 Understanding the Differences in Government Sales02:04 Impact of Government's Non-Profit Incentive on Sales03:27 The Role of Transparency in Government Procurement05:05 Challenges of Government Rules and Regulations06:45 Government's Risk Aversion and its Impact on Innovation08:11 Policy Priorities and their Impact on Procurement Costs11:12 The Struggle to Navigate Procurement Rules and Regulations13:38 The Challenge of Procurement Reform16:01 Conclusion: Making the Procurement Process Better

"Shaking Up Sleep: A Deep Dive into the Vegas Market with Brandon Bain" In this episode of the podcast, the conversation turns to the vibrant yet challenging atmosphere of the Vegas Market, featuring the insights of Brandon Bain, Founder and CEO of Bedhead Mareting. As an innovator and community builder in the realm of sleep, Bain offers a comprehensive overview of the event's dynamics, from the evident stagnation in product innovation to the paramount importance of trust and commitment in the industry. Episode Highlights: The discussion opens up about the Vegas Market's notable lack of innovation in product introductions, with a discernible caution among buyers to stick to tried-and-tested products. Bain emphasizes the significance of commitment to products and the cultivation of trust as indispensable for achieving success within the marketplace. The episode also brings to light the essential aspect of community and relationship-building, illustrated by the lively Famhouse party, blending business with pleasure to strengthen professional ties. Further, the transformative impact of the Dream Camp and the Fam community is explored, showcasing the power of collective support and inspiration. Coverage by Bed Head at the Vegas Market is highlighted, demonstrating the compelling role of generative AI and data analysis in shaping business strategies and growth. Key Takeaways: Innovation Drought: The Vegas Market showcased a cautious approach towards new product introductions, with a clear preference among buyers for well-established products. Building Trust: Success in the industry is deeply rooted in the commitment to product excellence and fostering trust among consumers and partners. The Power of Community: Events like the Famhouse party underscore the importance of fun and camaraderie in building a robust professional community. Leveraging Technology: Insights from the Mattress Mentorship Mastermind Accelerator Lab highlight the transformative potential of AI and data analysis in propelling business advancement. 00:00Introduction and Overview 00:29Reflecting on the Vegas Market Experience 02:02Lack of Innovation in Product Introductions 03:08Buyers' Risk Aversion and Manufacturers' Focus on Selling 04:36Cool Innovations in Adjustable Beds and Air Mattresses 05:23Cyclical Nature of Product Trends 06:21Getting Back to the Basics of Mattress Merchandising 07:16Committing to Products and Building Trust 08:31Merchandising Strategy and Creating a Holistic Philosophy 09:41The Fun Side of Vegas: The Famhouse Party 13:15The Importance of Relationships and Fun in the Industry 14:19Recapping the Fun and Highlights of the Famhouse Party 15:10The Impact of Dream Camp and the Fam Community 17:36Maximizing the Investment in Vegas Market 20:03The Importance of AI and Technology in the Industry 25:04The Significance of Bed Head's Video Coverage at Vegas Market 26:52The Mattress Mentorship Mastermind Accelerator Lab 29:11The Power of Generative AI and Data Analysis 34:26Closing Remarks and Future Plans --- Send in a voice message: https://podcasters.spotify.com/pod/show/sleepsummitshow/message

Phil Toews is Chief Executive Officer of the Toews Corporation and a Portfolio Manager of Toews Asset Management. His management strategies focus on creating “investor friendly” products designed to meet investors' economic and behavioral needs. Phillip is the founder of the Behavioral Investing Institute, an organization devoted to helping advisors manage investor behavior through market challenges. Learn more at orion.com.Key Takeaways[03:55] - Phillip's personal and career background.[04:58] - What really sets Toews apart from other asset management firms?[06:43] - Will this coming year be a case of the bears eating the “Goldilocks market?”[08:58] - What are the odds that a recession is on the horizon?[10:47] - Can we expect subsequent waves of inflation, as history might suggest?[12:47] - Why is global debt a problem and what should investors be doing about their portfolios because of it?[15:10] - What market scenarios do the terms “bezzle,” “bezzle fizzle” and “bezzle burst” describe?[18:44] - What does Phil's term “BFT” mean and how does it apply to investing?[21:36] - How would Phil contrast a tactical strategy from a hedged strategy?[24:48] - Are there any rough rules of thumb that Phil recommends for the respective portfolio weights for both trend following strategies or hedge strategies?[28:42] - Words of wisdom for how financial advisors can properly utilize trend following and hedge strategies?[31:30] - What is “National Investment Risk Day” and why did Toews help start this?[37:11] - What is Phil's  favorite investment idea currently?Quotes[20:55] - "...People just are sort of not into the word ‘tactical' anymore, and I think what's happened over the years is that there are people out there that are trying to predict the markets and they haven't done so well, and so I think it has gotten a little bit of a bad name…so we migrated that over to ‘trend following strategies.'" ~ Phil Toews[32:32] - "Now Bitcoin is, or Cryptocurrencies are, the trifecta of dumb. No assets, no income or no projected income, so forget about a meme stock that potentially actually earns something one day - there's nothing. [Yet] it has appreciated 18 million percent in the last 20 years, and only because [of that]...everyone says like…'I think this could be a legitimate thing, this could be a legitimate investment.'" ~ Phil ToewsLinksPhil Toews on LinkedInToews Corporation“Remember Me” by Blue BoyRecord Global Debt - Phil Toews on Weighing the RisksNational Investment Risk Day Webinar“Space Oddity” by David Bowie“Kooks” by David BowieConnect with UsMeet Rusty Vanneman, Orion's Chief Investment OfficerCheck Out All of Orion's PodcastsPower Your Growth with OrionCompliance Code: 0131-OPS-1/17/2024Disclosure(s)Orion Portfolio Solutions, LLC, an Orion Company, is a registered investment advisor.

Welcome back to the Ones Ready team room! This is a conversation for the record books, as Chief Pietras and Jarred Taylor sit down and cover a lot of ground. Make sure you're following  @JtArticle15 everywhere you can find him on socials or in the real world! All of JT's episodes spur conversation, and this one is no different. What was your favorite part of the podcast? Drop it in the comments!!!Chapters00:00 Introduction and Hated Guest00:47 Conspiracy Theory: Air Force Against AFSW02:06 The Real Conversation to Have03:01 Perception vs Reality of Air Force Leadership03:31 Medical Procedures and Leadership Responsibility04:25 The Future of AFSPECWAR06:03 Integration Issues with the Army07:36 The Cost of AFSPECWAR08:17 Changing Focus of Training09:00 Providing Command and Control in Forward Edge09:31 The Shift in Mission and Training10:48 Clandestine Operations in Urban Environments11:22 Age and Maturity in AFSPECWAR12:45 Issues with Air Education and Training Command (AETC)13:58 The Need for Creative Thinking and Risk-Taking15:09 Risk Aversion in the Air Force17:00 Encouraging Critical Thinking and Pushing Boundaries18:32 Learning from Historical Figures in the Air Force19:28 Changing the Promotion System and Senior NCO Roles21:31 The Benefits of Age Restrictions and Inter-Service Recruiting23:16 Disciplinary Issues and Leadership Responsibilities25:18 The Need for Radical Change and Creative Solutions26:46 The Flawed Air Force Leadership Path28:35 The Need for SOCOM to Become Its Own Service30:46 The Air Force's Resistance to Change32:15 Encouraging Critical Thinking and Questioning34:07 The Tendency to Avoid Failure and Make Incremental Changes35:01 The Importance of Triaging and Prioritizing35:06 Reflective Belts and Base Regulations36:00 Current Projects and Stand-Up Comedy37:24 Studio Setup and Performances38:19 Decision to Action Gap41:16 Theory vs Reality43:02 Making Decisions and Accepting Imperfection45:18 The Unpredictability of Going Viral47:50 The Importance of Playing the Social Media Game50:28 Firegate and Blaming OthersCollabs:Ones Ready - OnesReady.com 18A Fitness - Promo Code: 1ReadyAlpha Brew Coffee Company - Promo Code: ONESREADYATACLete - Follow the URL (no promo code): ATACLeteCardoMax - Promo Code: ONESREADYDread River - Promo Code: ONESREADY Eberlestock - Promo Code: OR10Hoist - Promo Code: ONESREADYTrench Coffee Company - Promo Code: ONESREADYThe content provided is for informational purposes only and does not constitute legal advice. The host, guests, and affiliated entities do not guarantee the accuracy or completeness of the information provided. The use of this podcast does not create an attorney-client relationship, and the podcast is not liable for any damages resulting from its use. Any mention of products or individuals does not consti...

Tune in to hear:- If so much of what accounts for our behavior is habitual, what hope do we have and how can we change that as we look to the New Year?- Why do such small bits of friction have an outsized influence on our behavior?- Does publicly stating your goals have any drawbacks or does it help you stay accountable?- What is the rhyme-as-reason or fluency effect and how might understanding these effects impact your client education?- Why can subtle tweaks in the framing of an appeal have such massive impacts on how it is received ?- In a field like finance, what is an appropriate application of the behavioral reality that humor is sticky without coming across as unserious?https://www.richardshotton.comhttps://www.astroten.co.ukCompliance Code: 0023-OAS-1/3/2024Orion Portfolio Solutions, LLC, an Orion Company, is a registered investment advisor. Custom Indexing offered through Orion Portfolio Solutions, LLC a registered investment advisor.

What to listen for:“I look at the dog and if something goes wrong I say, ‘Thank you for the information.' As dog trainers, we modify behavior and in order to modify behavior we have to be able to take good data.”Our hosts Robin Greubel, Stacy Barnett, and Crystal Wing explore the intricate dance of dog training, where the art of tinkering plays a pivotal role in shaping the behaviors of our canine companions. They share personal tales from the trenches, revealing how the subtle art of adjusting techniques in real time can lead to profound breakthroughs. From the delicate balance of arousal in bite work to the pivotal impact of duration on behavior, they dissect the nuances of training that often go unnoticed.This episode takes you on a journey through the varied landscape of dog training, where every dog's unique personality demands a tailored approach. The Dames of Detection journey through the challenges and triumphs, emphasizing the importance of confidence, clarity, and the willingness to embrace failure as a source of invaluable insight.Dive into the realm of creative training approaches and problem-solving techniques. They dissect the myriad ways in which we can adapt our strategies to the individual needs of our dogs, from the use of a cricket cage to teach a proper final response to employing a frozen bird in a sock to overcome retrieval aversions…and more! So tune in and gain a fresh perspective on how a deep understanding of your dog's focus and reactions can transform the training experience into a harmonious blend of patience, reinforcement, and innovative thinking.Key Topics:Tinkering in Training: When is it too much? (02:42)Comfort Levels in Training (08:01)Handling Failure in Dog Training (12:32)The Importance of Observation in Dog Training (18:21)C.O.U.R.T (Criteria, Observation, Understanding, Reinforcement, Timing) (27:06)Dog Training Methods and Individualized Approaches (30:28)Creativity in Training (36:06)Tinkering Success Stories (41:00)Resources:Humane HierarchyDenise's post that inspired thisKathy Sdao webinar trailerK9 Detection Collaborative Episode 11: The D's of Detection WorkWe want to hear from you:Check out the K9 Detection Collaborative FB page and comment on the episode post!K9Sensus Foundation can be found on Facebook and Instagram. We have a Trainer's Group on Facebook!Scentsabilities Nosework is also on Facebook. Here is a Facebook group you should join!Crystal Wing K9 Coach can be found here at CB K9 and here at Evolution Working Dog Club. Also, check out her Functional Obedience Class here.You can follow us for notifications of upcoming episodes, find us at k9detectioncollaborative.com

How does your past shape your present relationships? This week's episode is a treasure trove of insights that you won't want to miss! Join us as we sit down with the insightful Ike Miller, PhD, author, pastor, and Enneagram Three, who brings a fresh perspective on how the baggage we carry from our childhood isn't all bad. In fact, it might just be the key to unlocking healthier relationships and a more authentic self. Ike's new book, "Good Baggage," challenges the notion that all our past experiences weigh us down. Instead, he invites us to sift through our stories and find the hidden tools that can lead to personal growth and relational health. In this episode, you'll discover: Ike's journey with the Enneagram and how it helped him understand his motivations and fears. The core fear of the Enneagram Three and how it can manifest in daily life. Strategies for self-differentiation and setting healthy boundaries The importance of authenticity in leadership and personal relationships. And much more! Whether you're an Enneagram Three wrestling with image management or someone curious about how to leverage your past for a better future, this conversation is for you. As always, we're here to support you in your journey of self-discovery and growth. If you find this episode as enlightening as we did, share it with a friend who might also benefit from Ike's wisdom. Until next time, keep exploring the mystery of your unique personality and remember, "May you have love, may you have joy, may you have peace, may you have healing, and may you have rest.”     P.S. Stay tuned for our upcoming episodes and make sure to follow us on Instagram @TypologyPodcast for daily doses of Enneagram knowledge and encouragement! Don't forget to check out Ike's book, "Good Baggage," and if you're looking for more resources to help you on your journey, consider exploring "The Search for Significance" by Robert McGee, a book that has deeply influenced Ike's understanding of identity and value.     TIMESTAMPS 00:00:03 - Introduction to Typology Podcast 00:00:24 - Ike Miller's New Book: Good Baggage 00:01:21 - Reflecting on Past Events and Changes 00:02:43 - Ike Miller's Enneagram Discovery Journey 00:04:31 - Core Fear of Enneagram Three 00:05:12 - Utilizing Baggage from Childhood 00:06:06 - Threes Under Stress and Image Management 00:07:06 - Ike Miller on Identity and Achievement 00:08:03 - Preaching and Identity for Enneagram Threes 00:10:19 - Celebrating Personal Progress 00:12:10 - Moving Theological Understanding to Personal Experience 00:13:04 - Ike's Challenges During the Pandemic 00:14:02 - Ike and His Wife's Enneagram Dynamics 00:15:38 - Risk Aversion and Entrepreneurship in Enneagram Types 00:16:03 - Ike's Experience Leading a Church During COVID-19 00:17:33 - The Importance of Authenticity in Ministry 00:18:14 - Ike's Book and The Search for Significance 00:19:02 - Therapy and Enneagram Threes 00:20:11 - Ike's Motivation for Therapy and Transparency 00:21:20 - The Challenge of Vulnerability for Enneagram Threes 00:22:49 - The Five Whys Technique for Personal Growth 00:24:34 - Self-Differentiation and Family Dynamics 00:25:41 - Ike's Three Keys to Navigating Dysfunctional Families 00:26:25 - Post-Traumatic Growth and Personal Development 00:27:23 - Tools for Healing and Growth in Ike's Book 00:28:04 - The Story of David and Goliath: A Metaphor for Self-Identity 00:29:20 - Closing Remarks and Ike's Contact Information  

Recent research has shed light on the apprehension CEOs harbor towards uncertainty. A 2019 Harvard Business Review study revealed a tendency among CEOs to shy away from decision-making in uncertain situations, even when such decisions could significantly influence a company's success. The study's findings attribute this behavior to the inherent risk aversion of CEOs, who prioritize decisions geared toward minimizing potential losses. Another pertinent study, featured in the journal "Organizational Behavior and Human Decision Processes," unveiled that uncertainty often prompts CEOs to make impulsive decisions. This tendency arises due to cognitive biases like the sunk cost fallacy, posing challenges for CEOs in maintaining rational decision-making processes.   This topic needed a recognized expert on risk and uncertainty - welcome to my guest Alec Corthay   About Alec Corthay [expert in the management of uncertainty]  Meet Alec Corthay, a seasoned management expert renowned for his expertise in handling uncertainty. With a background in advisory roles at EY and Cegos, Alec brings over two decades of experience to the table. He has also served as a CIA-certified internal auditor and holds a degree in economics from HEC Lausanne. As a prominent figure, Alec engages as a speaker, facilitator, and corporate trainer, leveraging his insights to guide leaders in navigating uncertainty effectively. He imparts knowledge and techniques honed through years of experience in his roles, sharing invaluable expertise gained from teaching at prestigious institutions such as Centrale and Mines Paris engineer schools. Moreover, Alec is the visionary founder and CEO of Zerra, a testament to his dedication and leadership in the realm of uncertainty management. Reach out Alec on https://www.linkedin.com/in/aleccorthay/  and on his company website Zerra https://www.zerra.fr/   What We Discussed in this Episode on How Corporates Can Learn to Live and Thrive with Uncertainty - Transforming Corporate Culture: Strategies to Shift from Risk Aversion to Calculated Risk-Taking - Balancing Control and Entrepreneurship: Practical Approaches for Organizational Operations - Building Personal Agility: Techniques to Enhance Individual Capacity for Adaptability - Fostering Virality in Uncertainty: Cultivating a Culture of Thriving Amidst Ambiguity - The Vital Role of Agility and Flexibility in Navigating an Uncertain Business Landscape - Harnessing Data Analytics for Proactive Response: How Predictive Modeling Aids Corporations in Addressing Challenges - Striking the Right Balance: Assessing Control and Agility Alignment in Corporate Structures   ### About the Growth Hacking Culture Podcast The Growth Hacking Culture Podcast is a series of insightful interviews with prominent experts on mindsets, skills and mental resources to grow individually, lead motivated teams and create human-centric work cultures. These episodes are about thought provoking ideas to scale up and growth hack human-centric and performing work cultures. Hosted by Ivan Palomino.   This episode is sponsored by: PeopleKult [behavioral science, tech and analytics to scale up the next generation work culture] The Cornerstone Advisory [innovation, performance and growth for future-focused organizations]

Welcome to Fireside Craps, Episode 6, where we are re-joined by mathemetician, JB to talk about a range of topics. We discuss: Variance Fallacy Roll Length Expectations Martingales (again) Risk Aversion and Risk Appetite =================================================== Pro Craps Website: https://www.procraps.net Casino Gaming TV: https://youtube.com/c/CasinoGamingTV Discord: https://discord.gg/w8u9GJE4SE =================================================== The opinions in this video are not guaranteed or warranty to produce any particular result. This video is for informational and entertainment purposes only. Any form of gambling carries an inherent risk. Never gamble with money you cannot afford to lose. Anyone who believes they, or someone they know, may have a gambling addiction, please seek help. National Problem Gambling Helpline 1-800-522-4700 Call Text or Chat NCPGambling.org #ProCraps #FiresideCraps #Craps #Podcast --- Send in a voice message: https://podcasters.spotify.com/pod/show/firesidecraps/message Support this podcast: https://podcasters.spotify.com/pod/show/firesidecraps/support

How Loss Aversion can run into Risk Aversion and then turn into Dysfunctional FearShould you work with Dawn? Chat to find out here https://my.timetrade.com/book/77R8HReady to Stop the Self Sabotage and Create the Life You Desire? Click here to work with Dawn either virtually or in-person  https://drewdawnferguson.kartra.com/page/PZl240

Tune in to hear:- Why do only 13% of American millionaires describe themselves as wealthy? Why don't we recognize our abundance for what it is?- What is wealth confidence and what are its broader implications within portfolio management?- Wealth confidence is definitely somewhat correlated with portfolio performance, but why is net worth alone not a sufficient measure for one's wealth confidence?- Is there a sense in which $1,000,000 doesn't actually get you that far with the rapidly increasing costs of living an upper-middle class lifestyle?- When there's a disconnect between composure and capacity, should you accommodate the personality preference, the facts on the ground or land somewhere in the middle?- If we want to be content and confident with our money, what type of environment should we cultivate for ourselves from a social comparison standpoint?- Does Anthony have any other practical takeaways from his research for those looking to increase their wealth confidence?https://www.td.com/behaviouralfinanceCompliance Code: Code: 3239-OAS-12/5/2023

Welcome to The Nonlinear Library, where we use Text-to-Speech software to convert the best writing from the Rationalist and EA communities into audio. This is: Risk Aversion in Wild Animal Welfare, published by Rethink Priorities on December 14, 2023 on The Effective Altruism Forum. Executive Summary Wild animals outnumber humans and captive animals by orders of magnitude. Hence, scalable interventions to improve the welfare of wild animals could have greater expected value than interventions on behalf of other groups. Yet, wild animals receive only a small share of resources earmarked for animal welfare causes. This may be because animal advocates are uncomfortable with relying on expected value maximization alone in a field beset by "complex cluelessness": There are compelling reasons for and against wild animal interventions, and none are clearly decisive. Reducing populations of fast life history strategists would likely reduce suffering. However, there is also reason to suspect fast life history strategists have enough rewarding experiences to increase aggregate welfare. Eliminating fundamental sources of suffering in natural habitats would reduce suffering. However, it could also differentially benefit species that many people believe have systematically worse lives. Prioritizing the most abundant groups of wild animals could generate the largest increases in aggregate welfare. However, the most abundant wild animals have relatively low and vague probabilities of sentience. Regardless of risk attitudes, inaction on wild animal welfare is difficult to justify. There are no areas of animal welfare with a larger scale. Even if the aggregate welfare of wild animals is net-positive, it is nevertheless almost uncertainly suboptimal. By accounting for considerations that decision-makers believe are relevant, incorporating risk aversion into expected value calculations may increase willingness to commit resources to wild animal welfare. Different types of risk aversion account for different types of uncertainty. Outcome risk aversion gives special consideration to avoiding worst-case scenarios. Difference-making risk aversion gives special consideration to ensuring that actions improve upon the status quo. Ambiguity aversion gives special consideration to reducing ignorance and choosing actions that have predictable outcomes. Different types of risk often disagree in their recommendations. A corollary is that robustness across different types of risk aversion increases choiceworthiness. Interventions that reduce suffering without altering the number or composition of wild animals have a greater probability of robustness to different types of risk aversion. Outcome risk aversion favors abundant groups of wild animals, while difference-making risk aversion favors wild animals who have a high probability of sentience. Ambiguity aversion is favorable towards research on wild animal welfare, whereas outcome and difference-making risk aversion only favor it under certain conditions. Risk aversion does not robustly favor farmed over wild animals or vice versa. Outcome risk aversion prioritizes wild animals due to their abundance. Difference-making risk aversion favors farmed animals. However, it also favors some diversification across types of animals. Ambiguity aversion favors helping farmed animals over wild animals, and basic research to help both groups. Although complex cluelessness affects many domains, wild animal welfare may be a particularly high-stakes example of it. Alternatively, moral uncertainty about the permissibility of interfering with nature may explain a reluctance to act on uncertain evidence. Read the full report on Rethink Priorities' website or download the pdf. Acknowledgments The post was written by William McAuliffe. Thanks to Hayley Clatterbuck, Neil Dullaghan, Daniela Waldhorn, Bob Fischer, and Ben Stevenson for helpful feedback. The post is a project of Rethink Priorities, a global priority think-and-d...

Scientific Sense ® by Gill Eapen: Prof. Reinhilde Veugelers is Professor of Managerial Economics, Strategy and Innovation at the KU Leuven in Belgium, known for her research on science and innovation. She is also a scholar at Bruegel in Brussels] and at the Peterson Institute for International Economics in Washington D.C. Please subscribe to this channel: https://www.youtube.com/c/ScientificSense?sub_confirmation=1 --- Send in a voice message: https://podcasters.spotify.com/pod/show/scientificsense/message Support this podcast: https://podcasters.spotify.com/pod/show/scientificsense/support

Part 1 of 4. My guest for this week's episode is Sandy Paige, co-managing director of the Seabright Ventures Fund, a search fund investing in the US middle market, with a focus on life sciences and cleantech. Sandy is an expert CEO, most recently leading and scaling Explora BioLabs before its acquisition by Charles River Laboratories for $295 Million dollars.

TODAY´S EPISODE IS BROUGHT TO YOU BY THE FLOW RESEARCH COLLECTIVE Are you an entrepreneur, a leader, or a knowledge worker, who wants to harness the power of flow so you can get more done in less time with greater ease and accomplish your boldest professional goals faster? If you´ve answered this question with “hell yes” then our peak-performance training Zero to Dangerous may be a good fit for you. If this sounds interesting to you all you need to do is click the link below right now, pop in your application and one of our team members will be in touch with you very soon. https://www.flowresearchcollective.com/zero-to-dangerous/overview   ABOUT THE GUEST: Steven Kotler, the renowned New York Times bestselling author, distinguished journalist, and Executive Director of the esteemed Flow Research Collective, teams up with the visionary journalist and co-Director of All Conditions Media, Matt Barr, the inspirational creator of Looking Sideways Action Sports podcast. In this episode, Steven Kotler delves into the fascinating concept of his most recent book, Gnar Country and how it serves as a framework for rewriting the rules of aging. He explores the idea of growing up and learning through flow, shedding light on the impact of risk aversion, fear, and stress on the brain. Discover the key to achieving exceptional results through motivation and the practical applications of triggers for peak performance. Steven shares insights on how to cultivate a trainable path to peak performance and fulfillment, leveraging motivation and flow for continuous progress.  Tune in as he unravels the secrets to unlocking human potential and achieving remarkable outcomes in various aspects of life.   ABOUT THE EPISODE:  In this episode, you will learn about: (00:00) Intro (04:11) Core Idea Behind Gnar Country (07:38) Rewriting the Rules of Aging (15:18) Growing Up and Learning Through Flow (23:54) The Impact of Risk Aversion, Fear, and Stress on the Brain (35:37) The Key to Exceptional Results through Motivation (40:29) Triggers and Applications for Peak Performance (52:24) A Trainable Path to Peak Performance and Fulfillment (59:43) Leveraging Motivation and Flow for Continuous Progress   RESOURCES LinkedIn: https://www.linkedin.com/in/matt-barr-090b1516/  Facebook: https://web.facebook.com/wearelookingsideways/  Instagram: https://www.instagram.com/welooksideways/  Podcast: https://lookingsideways.substack.com/podcast  Flow Research Collective's Social Links: LinkedIn: https://www.linkedin.com/company/flowresearchcollective Facebook: https://www.facebook.com/flowresearchcollective Instagram: https://www.instagram.com/flowresearchcollective TikTok: https://www.tiktok.com/@achieveflow YouTube: https://www.youtube.com/user/RiseofSuperman Twitter: https://twitter.com/thefrc_official Website: https://www.flowresearchcollective.com/ Apple podcast: https://podcasts.apple.com/us/podcast/flow-research-collective-radio/id1520229508 Spotify podcast: https://open.spotify.com/show/6RQY0d5rdlEiinHEtfWy6A   Steven Kotler, the founder and executive director of the Flow Research Collective, is one of the world's leading experts on human peak performance. He is an award-winning journalist and an author with over ten bestselling books. Some of his works include: The Art of Impossible, The Future is Faster Than You Think, The Rise of Superman, Stealing Fire, and so much more! Look out for his latest upcoming book, Gnar Country: Growing Old, Staying Rad, where he debunks the old myths about aging and how you can boost your longevity through flow!

We all make decisions involving risk. Decisions like trying out for your school's chess team, speaking up when you don't agree with your boss, or going down a double-black-diamond run at the end of a long day of skiing. So how do we determine which risks are worth taking and which ones are too … risky?In this episode of Choiceology with Katy Milkman, we look at gender differences around confidence and uncertainty, and how we can all better calibrate our bravado.Surfing waves as tall as apartment buildings takes a lot of strength and skill and preparation. It also involves risk—mistakes can lead to broken bones, concussions, or worse. But as Bianca Valenti explains, those risks can be managed, and there are big rewards in those big waves.Bianca Valenti is a world-champion surfer, speaker, activist, and entrepreneur. Watch her award-winning ride for the Mavericks Awards.Next, Katy speaks with Katherine Coffman about research that explores how gender stereotypes shape beliefs about taking risks.You can read more in the working paper she co-authored, called "A (Dynamic) Investigation of Stereotypes, Belief-Updating, and Behavior."Katherine Coffman is the Piramal Associate Professor of Business Administration in the Negotiations, Organizations & Markets unit at the Harvard Business School.Choiceology is an original podcast from Charles Schwab. For more on the series, visit schwab.com/podcast.If you enjoy the show, please leave a ⭐⭐⭐⭐⭐ rating or review on Apple Podcasts. Important DisclosuresAll expressions of opinion are subject to change without notice in reaction to shifting market conditions.The comments, views, and opinions expressed in the presentation are those of the speakers and do not necessarily represent the views of Charles Schwab. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Investing involves risk, including loss of principal.The book, How to Change: The Science of Getting from Where You Are to Where You Want to Be, is not affiliated with, sponsored by, or endorsed by Charles Schwab & Co., Inc. (CS&Co.). Charles Schwab & Co., Inc. (CS&Co.) has not reviewed the book and makes no representations about its content. Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0423-3619)