Podcasts about Savvy

While most of the listeners of this podcast might work in the renewable energy industry, ALL of the listeners of this podcast are energy consumers. And let's be honest … even some of the most die-hard members of the renewables industry probably have at least one or two things about their home that they wish were more sustainable.With that in mind, Matt Ferrell joins the show to outline various ways everyday people can embrace cost-saving strategies that also make their homes more resilient and more sustainable. Matt is the creator of Undecided with Matt Ferrell, where he has amassed more than one million subscribers on YouTube by applying his technology-focused eye to all things sustainability. Matt is also the co-host of the Still To Be Determined podcast. He tests smart and sustainable technology solutions and often offers advice to viewers who … just like you and me …  might need just a wee bit of help making decisions about which solutions are best for their home.Matt and I will touch on batteries, solar panels, weatherization and various other topics, including … yes … even the Inflation Reduction Act. Matt is a real straight shooter, so you'll appreciate hearing what he has to say.Key highlights(3:57) - The most common questions from consumers(5:00) - The Do's and Don'ts when it comes to installing solar(9:35) - The Do's and Don'ts when it comes to installing batteries(13:47) - How to prioritize energy efficiency needs(16:25) - The low-hanging fruit when it comes to energy efficiency solutions(19:02) - How the Inflation Reduction Act impacts consumers(21:47) - The role of Community Solar(23:03) - Exciting tech of the future: Flow batteries for homes(25:00) - Matt's bold predictions(26:17) - Matt's take on the future of EV chargingSign up for the Renewable Energy SmartBriefFollow the show on Twitter @RenewablesPod

Savvy corporate players have a good chance of climbing up the corporate ladder and unlocking the achievement level of… VICP (Very Important Corporate Person). This coveted level of the work game translates into making good money, having power and influence at work, leading and inspiring teams, and flying business class, baby!Once you get to this point of corporate stardom, it's hard to walk away. But that's exactly what our guest did.  Christine Escribano is the former SVP of One Platform Marketing of NBC Universal, a company she loved and worked for over 14 years. However, during the last few years, she slowly but surely felt compelled to make a major life shift.  Christine gave it all up to start her own interior design and furniture artist business, which began as a pandemic side hustle.In this episode, Christine shares her insights on how to plan a corporate exit strategy and she talks about the tools corporate gave her to be prepared for this new phase of her life. ------ Check out Christine's awesome store here. Book  her spectacular rental vacation home "Casa Di Amici" here.-----Check out Surfing Corporate's website and sign up for our newsletter. ------Episode Credits:Hosts: Aileen Merciel and Glenda PaninsProduction and editing: Aileen MercielIntern: Stephany Gil de SucherOriginal Theme song: Chaliwa Music.Other music: BlueDot Sessions 

A great start for Savvy in her second season competing in the World Long Drive Organization. We talk about the whole experience and we also take a look at the Katalyst suit and how our training sessions are going. Plus we speculate why Hideki is experimenting with a putter grip on a driver, thanks to GolfWRX's Ben and Brian help.

Event-driven investing, a set of strategies that include merger arbitrage, special situations and distressed debt, has created opportunities for investors for decades. Savvy investors in space will evaluate current market inefficiencies to assess where a merger can be made. In volatile markets however, investors are able to find many of these mispricings that can bare opportunities but only if they're sharp enough to find them. On this episode of Disruptive Forces, host Anu Rajakumar speaks with Joe Rotter and Jonathan Adolph on the inner workings of how the deals get made, what investors might want to consider and what makes event-driven investing intriguing in light of today's markets.     This general market summary and the opinions and beliefs expressed in this podcast are provided for general informational purposes only.  Nothing herein constitutes investment, legal, accounting or tax advice, or a recommendation to buy, sell or hold a security, and the views and beliefs expressed are not intended to predict or guarantee the future performance of any individual security, market sector or the markets generally.  This presentation is general in nature and is not directed to any category of investors and should not be regarded as individualized, a recommendation, investment advice or a suggestion to engage in or refrain from any investment-related course of action. Investment decisions and the appropriateness of this presentation should be made based on an investor's individual objectives and circumstances and in consultation with his or her advisors. Information is obtained from sources deemed reliable, but there is no representation or warranty as to its accuracy, completeness or reliability, and has not been independently verified. All information, opinions and beliefs set forth in this presentation are current as of the date of this presentation and are subject to change without notice.  We do not undertake to advise you of any change in the opinions and beliefs or the information contained in this presentation.  Any views or opinions expressed may not reflect those of the firm as a whole. We may issue presentations or have opinions that are inconsistent with, and reach different conclusions from, this presentation.  No representation is made that any investment process, investment objectives, goals or risk management techniques discussed herein will or are likely to be achieved or successful.   Any forward-looking opinions, beliefs, estimates, assumptions, outlooks, projections, assessments, or similar statements (collectively, “Statements”), constitute only subjective views, estimations or intentions, should not be relied on, are subject to change due to many factors, including fluctuating market conditions and economic factors.  Such Statements involve inherent risks, many of which cannot be predicted or quantified and are beyond our control.  Future evidence and actual results could differ materially from those set forth in, contemplated by, or underlying these Statements, which are subject to change without notice.  Considering the foregoing, there can be no assurance and no representation is given that these Statements are now, or will prove to be, accurate or complete.  Neuberger Berman undertakes no responsibility or obligation to revise or update such Statements.   Neuberger Berman products and services may not be available in all jurisdictions or to all client types. Diversification does not guarantee profit or protect against loss in declining markets. Investing entails risks, including possible loss of principal. Indexes are unmanaged and are not available for direct investment. Investments in hedge funds, private equity and other private funds are speculative and involve more risk than more traditional investments. Investments in hedge funds, private equity and other private funds are intended for sophisticated investors only.  Past performance is no guarantee of future results.   Portfolio, volatility or return targets or objectives, if any, are used solely for illustration, measurement or comparison purposes.  Such targets or objectives reflect subjective determinations based on a variety of factors including, among others, strategy and prior performance (if any), volatility measures, portfolio characteristics and risk, and market conditions.  Volatility and performance will fluctuate, including over short periods, and should be evaluated over the time indicated and not over shorter periods.  Performance targets or objectives should not be relied upon as an indication of actual or projected future performance.  Actual volatility and returns will depend on a variety of factors including overall market conditions and the ability of to implement the contemplated investment process, investment objectives and risk management.  No representation is made that these targets or objectives will be achieved, in whole or in part.   This material is being issued on a limited basis through various global subsidiaries and affiliates of Neuberger Berman Group LLC. Please visit www.nb.com/disclosure-global-communications for the specific entities and jurisdictional limitations and restrictions.    The “Neuberger Berman” name and logo are registered service marks of Neuberger Berman Group LLC.   © 2023 Neuberger Berman Group LLC. All rights reserved.

Would you be able to "take out" your spouse if the situation called for it? Producer Keity has a surprising answer and we're not sure how to feel! Learn more about your ad choices. Visit megaphone.fm/adchoices

We invited Anthony Faso, CPA, and Cameron Christiansen to the show to discuss a creative way you can build wealth outside of Wall Street. Join us as we elaborate on the Infinite Banking Concept, tax-reduction tips, and practical financial advice to keep your money moving. Be sure not to miss out!   Topics on Today's Episode Why typical financial planning is broken An investor's million-dollar mistake and ways to avoid it The Infinite Banking Concept: How and why it works and who its for Practical ways to legally minimize your tax liabilities  Reasons you need to hire proactive accountants   Resources/Links mentioned Rich Dad Poor Dad by Robert T. Kiyosaki | Kindle and Paperback The Win-Win Wealth Strategy by Tom Wheelwright | Kindle and Hardcover  Good to Great by Jim Collins | Kindle, Hardcover, and Spiral-bound Antifragile by Nassim Nicholas Taleb | Kindle, Paperback, and Hardcover Profit First for Real Estate Investing by David Richter  | Paperback The Richest Man In Babylon by George S Clason | Paperback   Want to learn more about Infinite Banking? Get access to a $500-worth online course for FREE from Infinite Wealth CConsultantsby clicking the link below: www.infinitewealthconsultants.com/multifamilylegacy/.   About Anthony Faso, CPA & Cameron Christiansen Anthony Faso, CPA, and Cameron Christiansen are founders of Infinite Wealth Consultants and the hosts of the Infinite Wealth Podcast. A proud U.S. Army veteran and self-described "recovering" CPA, Anthony has worked at the world's largest accounting firm and served as CFO of a chain of restaurants. However, after the 2008 recession, he realized that the solution to financial freedom would never be found in the latest Wall Street-created financial product. As he discovered his path to financial independence, he was also teaching and coaching individuals and business owners about money and investing. Having been a small business owner for eight years, Cameron needed help with investment solutions proposed by traditional financial advisors. This frustration is what led him to discover infinite banking and real estate investing. After advising others for over a decade, Cameron now brings his expertise in passive income generation and cash flow analysis to his partnership with Anthony as a follower of the principles of Robert Kiyosaki. Anthony and Cameron help their clients to be financially independent not just in dollars but also in sense. They educate clients on making sound financial decisions and coach them to invest in assets with certainty, control, and collateral. Infinite Wealth clients are not subject to the roller coaster of the stock market. Connect with Anthony and Cameron Website: Infinite Wealth Consultants Podcast:  Infinite Wealth Podcast | Apple Podcast and Spotify YouTube: Infinite Wealth Consultants Make millions and change your life this year by joining the Kahuna Boardroom this coming April 27th to 29th, 2023, in Scottsdale, AZ. To register, go to kahunaboardroom.com and gain access to multiple tools, and resources, and learn trends that'll help you thrive in multifamily apartment investing!   Don't forget to download my Free Workshop Quick Start Video Series, and if you like what you have heard, please leave a review on iTunes.  

Pastors Nikki, Clayton, and Eric address some VERY special fan mail and figurative responses to a past question. The Pastors also discuss the encouragement, social navigation, and financial implications from Paul in Philippians 4:10-20. Jump into the Bible Savvy reading schedule at biblesavvy.com.

Join Pastors Nikki, Clayton, and Eric as they elect their favorite fictional Presidents from shows or movies! Speaking of leadership, they also discuss the related topics of governing authorities, God's establishment of leaders, and the debt to love one another found in Romans 13:1-10. Jump into the Bible Savvy reading schedule at biblesavvy.com.

Join LaTangela as she chats with the Chic and Savvy Belle on the #tanline Gearing up for a big night as The Belle Society Presents The Boss Belle Dinner Soiree' - LaTangela and several other amazing ladies will be honored during the event for Women's History Month and we want you to show up and show out with us! Get your tickets at www.TheBelleSociety.com www.LaTangela.com WATCH FULL INTERVIEW HERE *************************************************************************************** NEW MUSIC ALERT NEVER KNEW - LaTangela Fay NEW BOOK ALERT P.O.O.F. (Power Over Obstacles Forever) - LaTangela Fay Sherman ************************************************************************************ THE LATANGELA SHOW RADIO -  WEMX- Baton Rouge, La. Mon-Fri 10a.m.-3p.m.CST TV - WLFT - Baton Rouge, La. KGLA  - New Orleans, La. The Louisiana Film Channel YouTube - #LaTangelaFay Podcast - ALL digital platforms www.LaTangela.comSee omnystudio.com/listener for privacy information.

In this episode ajfs71 continues the conversation on how the leather scene is NOT dying. The city we're focusing on in this episode is Sydney, Australia. Our host, ajfs71, spent 3 weeks in Sydney for World Pride and Mardi Gras and chats with Australian leather man, Dick Savvy - also known as The Naked Barber - about the kink scene down under. Get yourself off and get even with Regulation, the UK's premier destination for fetish gear, sex toys and restraints. Gear up with a wide range of rubber, leather and sportswear including many styles ready to ship next day. Are you into bondage, chastity, pup play, pain, pleasure or a bit of both? Whatever interests you, you'll find what you need in their 10,000 strong catalogue of kink. Warn the neighbours and shop online for whatever you're into at www.regulation.co.uk Fetish men are everywhere, discover the world of Recon. Get into the scene. Find your fetish. Show your fetish. Find fetish men. Join the fun by downloading the Recon app here - bit.ly/ReconAppy Follow us on social media: Facebook - www.facebook.com/recondotcom Twitter - twitter.com/ReconNews Instagram - www.instagram.com/reconnews

Crystal is a very successful investor breaking down barriers and empowering women in their journey of real estate investing. Learn about how she went from an electrical engineer, to single family real estate investor, to commercial real estate. www.AdvancedInvestorAlliance.com

Helpful tips to boost your cash flow and diversificationThe power of long-term real estate investingImportance of having a proper real estate educationWhy multifamily is one of the best RE assets to invest inOther ways to diversify your portfolio and their benefits The Life & Money Show Spotlight:Your Life & Money: What is one thing you're doing to live a meaningful and intentional life by design?Other's Life and Money: What is one life or money hack that you can share that will make an impact in others' lives right now?Life & Money in the World: What's the one thing you're doing right now to make the world a better place? RESOURCES/LINKS MENTIONEDSyndicationProWall Street Journal - The New York Times If you want to check the most recent deals we're in, and all the deals we exited, go to, https://goodegginvestments.com/portfolio/ If you have extra cash, now's your chance to grow it through our newest investment opportunity, the Goodegg Wealth Fund II. Learn more about it by visiting https://goodegginvestments.com/fund2 Sign up for the Goodegg Investor Club to gain access to deals and information to help in your investing journey by visiting https://goodegginvestments.com/invest-b/ or you can send us an email at investorrelation@goodegginvestments.com or call/text us at (888) 830-1450. CONNECT WITH US To connect with Annie and Julie, as well as with other Investing For Good listeners, and to get the latest scoop on new and upcoming episodes, join Life and Money Show Podcast Community on Facebook. To learn more about real estate syndication investment opportunities, join the Goodegg Investor Club. Be sure to also grab your free copy of the Investing For Good book (just pay S&H)-- Thanks for listening, and until next time, keep investing for good!

16 books to crush it in life. LINK: https://tinyurl.com/24zxnnmy Do you have any ideas/questions? Share some feedback go to www.savvypodcast.com

Are you style savvy? Being style-savvy means you know what your style is and you dress like you mean it! You know what's right for you, and you don't waste time on things that aren't. You never compare yourself and you never let the trends – or your age – dictate what you wear. You have a style that's all your own and you're not afraid to flaunt it! Be sure to join me today, March 7 th , at 12pm ET LIVE on Instagram where I'm taking you behind the scenes as I film my new course, Wardrobe Building 101! Be sure to invite your friends! https://www.instagram.com/stylebymarymichele/ Join me for an epic experience where we'll jumpstart your style just in time for one of the busiest and most exciting seasons of the year! Spring Style Jumpstart begins Monday March 13 and you can find details here: . Designed just for the busy woman like you each module will be taught live, but recorded so you can watch at your own pace. Sign up TODAY for Spring Style Jumpstart and save $200! Go to https://SFSchoolofStyle.com/SpringStyleJumpstart to learn more! My go-to mascara is Prime Lash, formulated for women over 50. Try it today! https://amzn.to/3Y7Zr99 Find Your Signature Style will help you jump start your style, stat! Discover your signature colors, your signature silhouettes and your StyleID® in this on-demand course that will have you feeling confident about your style and getting dressed easily every single day! Learn more: https://findyoursignaturestyle.com/ Want to mask your muffin top, stat? Grab my quick course, How to Mask a Muffin Top and get ready to rock your style with confidence! https://sfschoolofstyle.com/launch- page-11647113283711 Want to work with me 1-on-1? If you're an executive or entrepreneur who desires guidance to get your style back on track, book a Get Acquainted call with me today! https://calendly.com/marymichelenidiffer/30min Join us on Instagram: https://www.instagram.com/stylebymarymichele/ https://www.instagram.com/shopstylefinder/ Follow us on Tiktok: https://www.tiktok.com/@stylebymarymichele https://www.tiktok.com/@shopstylefinder   Be a part of the Community: https://www.facebook.com/groups/stylebymmpodcast https://www.facebook.com/groups/stylefindervipgroup Shop with us: https://shopstylefinder.com/ Have you left me a review yet? It takes mere minutes and I would appreciate it more than you know! Xo    

Join Pastors Nikki, Clayton, and Eric as they flip the sensory coin on a past question on smelly smells… this time on the worst they've endured! The pastors discuss the contrasting elements and the hope found within Romans 8:18-30. Jump into the Bible Savvy reading schedule at biblesavvy.com.

The immaculate, prominent, yet low key Jade B. Robinson stops by The Litehouse to give a few gems from how she got started on her businesses to maintaining a drive to push through hardships. An excellet entrepreneur, humanitarian and multiple business owner made time in her busy schedule to stop in and outperform Savvy on this podcast stuff. Vibe, Like, Share, Comment repeat. Ig: selfmadejadeb, evnsavvy. Music: Atmosphere: Gods Bathrooom Floor (intro) Group Home- Supa Star 9th Wonder- December 4th Skankfunk- Uneasiness of Funkness JID, Ari Lennox - Can't Make U Change Th1rt3en- Amnesia Jonah Cruzz- Can U Dig It We do not own any music --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/litehouse/message

It's a new season of Survivor and a new season of the Purple Rock Podcast. Tune in for the most dangerous season of podcasting yet!In this episode, the Purple Rock Podcast discusses:How the premiere compares to last season.Who made the biggest mistake of the episodeWas Maddie doing too much or was the risk justified?Random Shot in the Dark plays.Lauren lying about her advantage.Brandon telling everyone about the key.The bird cage idol.Unnecessary risks.Sweat or Savvy decision-makingChanges to the advantage island set up: good, bad, neutral?The Inheritance Advantage.The handling of Bruce's injury.Who's standing out?

All Home Care Matters was honored to welcome the team from Savvy Cooperative to learn how they are helping to revolutionize and improve healthcare and the patient experience.   Joining the show was Jen Horonjeff, Eriel Brown, and Vivek Krishnaswamy.   About Savvy Cooperative: Savvy Cooperative is the first (and only!) patient-owned co-op. At Savvy, we believe that patients and caregivers should be involved in every aspect of creating a healthcare product or service. We do this by giving patients and caregivers direct ways to share their experiences with health innovators through gigs, and advocating that they be fairly compensated for their contributions. We empower patients and caregivers to co-create new solutions, and see that their voices and experiences not only are valuable, but are of critical importance to the healthcare industry.   Visit their Official Website: https://www.savvy.coop/

Covering over 20 points to get your juices flowing. Get it done! Do the due diligence. Do you have any ideas/questions? Share some feedback go to www.savvypodcast.com

EP303 - Amazon, Walmartand E-com Q4 Results  In this episode we cover: Amazon Q4 Earnings Walmart Q4 Earnings US Department of Commerce Q4 e-commerce data Discussion of Temu and other Social Commerce News Don't forget to like our facebook page, and if you enjoyed this episode please write us a review on itunes. Episode 303 of the Jason & Scot show was recorded on Thursday, February 23rd 2023. http://jasonandscot.com Join your hosts Jason "Retailgeek" Goldberg, Chief Commerce Strategy Officer at Publicis, and Scot Wingo, CEO of GetSpiffy and Co-Founder of ChannelAdvisor as they discuss the latest news and trends in the world of e-commerce and digital shopper marketing. Transcript Jason: [0:23] Welcome to the Jason and Scot show this is episode 303 being recorded on Thursday February 23rd 20:23 that's a lot of three Scott I'm your host Jason retailgeek Goldberg and as usual I'm here with your co-host Scot Wingo. Scot: [0:40] Hey Jason welcome back Jason Scott sure listeners it could have been worse we could have done it on 22 to 23 so there'll be a lot of tooth so we broke up the to smooth some threes. Jason: [0:52] I believe that was episode 223 was on that yeah. Scot: [0:56] I had I am not a big sports ball person but I watched the Super Bowl every year for the commercials and I had, I know you're the grand poobah of all things advertising and I had an ad question for you. Jason: [1:12] Yeah awesome you've come to the right place hit me. Scot: [1:15] What is to EMU and why is it not the same thing as wish.com. Jason: [1:22] That's a great question I can only partially answer so Teemu is a e-commerce site. In as far as I know at this point only in the United States of America it's owned by pin duo duo in China which often is called a PDD and depending on how you count PD is the second or third largest e-commerce site in China in China it's a super interesting gamified model where like you get your friends to go in on the deal with you and it drives your deal cost. Down so everybody saves more when you all by together kind of thing so it's a. Scot: [1:58] Okay group buying used to be called back in the day. Jason: [2:00] Social shopping exactly and so it's super interesting and they're doing really well so they launched an e-commerce site in the u.s. it appears that it's primarily a catalog they built by aggregating a wide variety of different. Producers in China and it does have very much of a wish Vibe like it's a lot of. Extraordinarily inexpensive apparel and you know inexpensive tchotchkes that you probably didn't know you need but like if you start browsing the side it for a.m. on a Friday night you're. You're gonna end up making some ill-advised purchases and then it seems like everything drop ships from factories. In China via u.s. post so they if you remember back in the day wish was like very slow shipping like to 26 weeks. T mood typically quote six to eight days they launched in November I ordered a couple shirts and they promised me like a delivery and they actually arrived in like five days to the United States. Scot: [3:07] Wow. Jason: [3:08] Yeah so it was reason via US Post Office in the u.s. portion at least and you know there's this. International postal treaty that probably meant it was super inexpensive for Teemu to ship it via US Post Office to the US. But what was interesting to me is I give you an idea of how cheap this stuff is the I ordered a dollar shirt that was forty percent off with free shipping so. I literally have 60 Cent shirt delivered from China and five days. Scot: [3:40] Cool is it like wish were eighty percent of the businesses hair extensions. Jason: [3:44] Yeah so I don't have a break it is a lot of that like it's a lot of like USB accessories and stuff I do think it's more heavy on apparel and I have talked to people that are more hip and in the know than me that think there's like, that you know it's very short-term apparel it's kind of disposable apparel so they're all the usual caveats about being an ecological disaster probably apply. But I have been told that they have that they like have some interesting on-trend Styles and things on that that like for some demographics it's the, the apparel selection is appealing but what I do know is they launched in November and when I looked at the year in and it's mostly on a mobile app when I looked at the year in app downloads, it was the eighth most downloaded shopping app. On iTunes so more downloads than eBay for example over the year and Timmy was only in there for two months and and so it's kind of funny I'm a little embarrassed I. [4:52] Posted some stats on LinkedIn about mobile apps and I said and don't sleep on Teemu it looks like they're running fast and then a week later they ran that Super Bowl ad that you saw which is certainly going to Goose their downloads more and literally right before the game I found out that my company publicist actually produced that Super Bowl at so, it may have seemed like I was promoting a client but In fairness to me I didn't know they were to client when I when I mentioned it. Scot: [5:20] Cool shouldn't you know who your clients are as a chief digital retail strategy officer. Jason: [5:25] I should as a first a first world problem in your business is when you have too many clients to know. Scot: [5:33] You're forgiven. Jason: [5:34] Or maybe that's just a sign of a bad a bed, employing my case but yeah you know holding company like publicist were a Federation of agencies and most of the agencies do their own thing so this is you know a cool creative agency that we have Saatchi & Saatchi out of Los Angeles, um and sure enough they did reach out to me to say hey we have a Commerce client and we'd love for you to come talk to them. Check out their Super Bowl hour and the next they're Super Bowl add in the next hour and so that's how I how I found out there are client thank you guys. Scot: [6:05] You're like you're like I totally predicted these guys would shoot up the charts. Jason: [6:09] I did I did I tried to take credit but seemed like shockingly not everyone in my company follows me on LinkedIn I know. Scot: [6:16] Should be over should be like part of the onboarding. Jason: [6:21] Sometimes I think it should but then other times I think of how many times has probably saved my career that like important people at work Dan see something I like I said I'm going to so I think on the aggregate I'm going to stick with it how it is. Scot: [6:31] Call any other trip reports or anything to go into before we jump into some news I know you're chomping at the bit to talk about some data. Jason: [6:39] Yeah so it is obviously well I guess it's always trade show season but this feels like a special version of trade show season next week is e tell West, in Palm Springs which is usually a good Joe but for sure a good boondoggle if you're trying to get out of the Chicago winter in February Palm Springs is a good, a good place to go so I'll be going there and I have a lined up a couple guests for folks to listen to in the in the subsequent weeks and then the end so that's the end of February the end of March is shop talked and so I'll be giving a talk at shop talk and. And talking to some folks there too so so a couple cool industry events on the on the horizon. Scot: [7:25] Cops are gonna have a little Gap and then we'll have some a lot of show reports to go over I guess. Cooper one of the things we wanted to start today was finally got the last piece of data from 2022 from the US Department of Commerce walk us through what your magic Tableau Data machine is Tanya. Jason: [7:47] Yeah so mid-February US Department of Commerce publishes this quarterly report on e-commerce and so the Q4 data from last year came out in mid-February and so now that we have qu for we can see a whole year so in 2022 us e-commerce sales were 1 trillion, 33 billion in sales so the first time we've officially exceeded a trillion dollars so that's kind of cool. [8:20] What's I guess slightly less cool depending on where you stand is the growth rate so that trillion dollars is 7.4% more than 20 21 largely because 2021. Was a like pretty astronomical year but but to put things in perspective. Over the last 10 years than normal growth rate for e-commerce is 16.4% so 7.4 percent is less than half of what our traditional growth would be. And it's actually the slowest rate of growth. Basically since e-commerce happened so so 2022 is not a, a stellar year for e-commerce growth, now when you look at that three-year stack you say how much did e-commerce grow since before covid it's up a lot it's up 81 percent. [9:17] And you know a trillion dollars total retail sales are about 7 trillion so e-commerce ends up being 14.6 percent of all retail sales, a lot of people like to talk about what percentage of course sales it is because like people don't tend to buy gas. Via e-commerce and Tull spiffy start selling gas and until recently people really weren't buying cars online so a lot of, we could debate the merits of this but a lot of people still have this definition of core retail which doesn't have Auto or gas in it and so if you take Auto and gas out and you say that trillion dollars is 21.5 percent of core retail which. Makes the us about the third or fourth highest e-commerce penetration country in the world. [10:07] Obviously I get a lot of these e-commerce Spike during covid and then kind of regress to the mean but. You know if you look at the e-commerce dollars growth. Were 36 percent above what we would have forecasted. Before covid started and we've sold like 275 billion a year more than we would have expected to sell this year so over the three years e-commerce has, has grown quite a bit and remained high but what is true and worrisome about 20 22 it's the lowest rate of growth we've ever seen and for the first time since e-commerce started. Retail actually grew faster than e-commerce so that the total retail growth number for last year was 8.2 percent versus the e-commerce rate of 7.4 percent so that's an interesting backdrop as we start to get all these. Q4 earnings reports flowing in. Scot: [11:09] Yeah and that's really just you know it's a reversion to the mean right so we had a surge in e-commerce so you Commerce is more coming down more so than retail surgeon is that if we charted that out is that what would see. Jason: [11:23] Ecommerce has not surged as I mean retail is not surged as much as e-commerce has come down so. Yeah so like on the whole the three years of the pandemic were very good to retail and very good to e-commerce the, when they happen with slightly different e-commerce is biggest year was the first year of the pandemic and retails biggest year was 20 was the second year of the pandemic so when you're looking at year over year sales Ecommerce is comping against a big number on the numerator while the denominator suddenly got a lot bigger, for retail and so when you look at it as a percentage of retail it definitely looks like it regress to the mean but when you just look at, net dollars people spend an e-commerce before and after the pandemic. We both we spend a lot more money at retail than we used to and we spend a lot more money on e-commerce than we used to and so the spoiler where the fear is. Is that the new normal or did we just pull in a bunch of demand and that bodes poorly for 2023. Scot: [12:31] Yes go for some tea leaves to help us kind of parse through that we had some interesting earnings first of all we wanted to chat about Amazon's fourth quarter the way I would kind of we didn't do a show on this one because it was really not that much to talk about to be honest with you so they came in just their dramatically lowered over the last couple quarters they have dramatically lowered the the back half of 22 so they the Q4 of this slightly beat that that new Lowered Expectations, and then their q1 guidance was in line with a little bit lower than what Wall Street was expecting but not enough to be super material one thing I thought you would find interesting is they took about a 3 billion dollar charge on restructuring there was they announced they laid off 18,000 people I think most people saw that, and that was 640 million but part of the charge was 720 million to impairment at fresh and go stores I thought you would find that interesting and I guess they had I guess those are the ones they must have planned a bunch of openings and now they've got all this kind of like you know they're kind of half pregnant with this bunch of real estate bunch of stores they want to launch and then they pause that. [13:44] And then one that was interesting to me is we work a lot with these Amazon DSP companies and I've often wondered who insures them because they bang the heck out of them and Amazon increase their reserves for Self Insurance in their transportation Network by 1.3 billion which I thought was interesting given that we see these things just 90% chance if you see an Amazon Prime van it's got a fair number of Dents & Dings on the side of it. Jason: [14:12] Yeah that's yeah that's a hard gig for a van although there probably are no easy gigs for van. Scot: [14:19] Yeah would you think about the freshen go. Jason: [14:21] Yeah so the grocery story is interesting right longtime listeners will remember Amazon kind of retreated from most of their non grocery, retail Concepts I want to say a quarter ago so they kind of they closed all the bookstores they closed the five-star stores and and they kind of said hey we're we're we're revisiting our brick and mortar strategy the one, aspect of brick-and-mortar that they continue to operate where these grocery stores that are called Fresh and these. [14:53] Convenience stores or grab-and-go food stores that are the Amazon go stores that just walk out technology and, you know grocery super important I talk about it all the time it's like the second biggest category of consumer spending and Retail and it's one category where Amazon hasn't done very well arguably Whole Foods hasn't done very well since Amazon bought them, and you know the magic question was where they going to invent a more successful grocery Concept in Amazon Fresh and then this quarter they answered that question no now essentially said we haven't found anything differentiated enough in the Amazon Fresh stores to make us want to scale them, rapidly we haven't given up on Grocery and we're going to continue to work on it and roll something new out but we're for sure pulling back on, growth strategy for this current fresh concept, and so so you know it sounds like hey they definitely don't think they've got brick-and-mortar figured out between fresh and Whole Foods and on delivery, last year, you know they started charging even for Prime members they started charging for delivery at Whole Foods and. [16:06] That way I have a hypothesis that that dramatically put a crimp in there, they're grocery e-commerce sales although in a lot of places in the country groceries are delivered by fresh not by Whole Foods so this quarter they also announced that they're adding a delivery fee even if you're a Prime member. For fresh grocery delivery so there is no free grocery delivery option at Amazon, um you know which in my mind puts them at a pretty significant disadvantage vis-à-vis, instacart Walmart and Kroger that are all aggressively acquiring customers with offers right now. Scot: [16:44] Yep Anderson tough category. Jason: [16:45] So grocery seems like a place where like Amazon has put some serious effort in and it has not won yet has not figured it out. Scot: [16:56] One of the other things that's weighing heavily on the minds of Amazon shareholders is the AWS Computing platform saw its growth really dip below 20% all the cloud providers are feeling this Google Microsoft I think Google has laid off a bunch of the people leading their Cloud effort Microsoft Azure is under a bunch of pressure as well and what's happening is as we hit some economic headwinds the users of these Cloud infrastructures are lots of startups that have venture capital and VC rounds are getting few and far between so they are reducing their loads and their trading down you know one of the things you can do on these platforms is have a machine with a certain computer, horsepower you can kind of say you know maybe I'll go down a couple rungs on the ladder of compute horsepower there and save a little bit and. So it's an area where companies are looking to save money very quickly because you're not locked into certainty or anything like that like you would, be with some software as a service platforms. Jason: [17:58] Yeah I think I'm not to give you credit but I think you were one of the first people I saw, talking about that phenomenon and then it became a big thing I think I like Twitter announced that they were slashing 75% of their salesforce.com seats and it just seemed like in the same way that like, you know Middle America when when budgets get tight you know everybody looks at their recurring spending and cuts all these you know apps they accidentally signed up for On the App Store and in the same way it feels like every company in America is like. Going on a SAS diet right now. Scot: [18:31] Yeah I you know I like to coin phrases we famously coined ship again on the show I call it's a split so when you wake up one day and you look around your company and you've got 200 different stats platforms that you're paying it's only $30 a seat a month but there's 1,000 employees using it and you got 200 of them that I can't do the math on that but it adds up very quickly, so a lot of companies are right-sizing, their SAS budgets one of the interesting beneficiaries of this was the Microsoft Azure platform had pressure but the the Office 365 has done amazing because what happens is people say well I'm using slack Dropbox. And you know maybe maybe one of the Google platforms and you know and I also have Office 365 will if you start to reconcile this you can drop drop box for OneNote and. OneNote Drive. Jason: [19:32] Know what you're right one drive. Scot: [19:35] OneDrive yeah and I can drop you no slack for, they have their own teams and then Zoom for teams and then so so Microsoft because they've got one of the most fullest sweets and almost everyone has Microsoft because of office kind of packed in there their they're a huge beneficiary of that SAS Bluett interestingly I think it was enough to offset the this the downgrades they saw it and measure. Jason: [20:04] Yeah that's super interesting. Scot: [20:06] Yeah one of the you know one of the interesting things that when you're in these weird Economic Times when these companies released their numbers it's late enough into the next quarter so this all came out kind of mid-February that they can give a little color and one of the on the current color. [20:23] Quarter, so they're talking about Q4 results but then sometimes they will drop a little bit what we're already we're seeing kind of right now so they did they did talk about AWS had kind of bottomed out at a 17 percent growth rate or something like that mid-teens, so Wall Street took that positively they also said you know they said we're seeing really improved efficiencies and the retail business which I think Wall Street took to mean they feel like they're at this right balance now of, Transportation warehouses and all those things that they had to shed if feels the feels like they're done based on kind of like what they're seeing, there's always this caveat that that's they've only seen 45 days of the corridor so who knows what the back after that looks like. [21:09] The real bright spot and this is interesting because there's this theme going on the economy where services are are kind of growing much faster than Goods and, at Amazon DE Prime Service Group re dramatically grew 17 percent over a year and acceleration from last quarter's 14% so so Wall Street found that really interesting and I think, you know it's hard to it's hard to know why people are picking Prime I think some consumers are going through a reconciliation with their streaming platforms and they're kind of just like that Microsoft example they're saying well if I go to Prime I get Prime video and I can get access my Yellowstone through there and some other things and that's probably good enough maybe I'll turn off. [21:55] I don't know there's this design of these things now so in any case Wall Street was really pleased with this because there's been a lot of talk at Windows Amazon hit Prime saturation, well you don't hit saturation if you have an acceleration of growth like that so so that was you know a couple the positives in the quarter there but interesting enough and you probably know the ads part I think it had yet another Blockbuster business because they're they continue to benefit from that first party you know all this, effectively the biggest retail media Network out there and I know you think a lot about these retail media networks but that was a gift from our friends at Apple to Amazon so that continues to be the gift that keeps on giving. Jason: [22:37] Yeah yeah it the rate of growth did slow ride so they were in the like 30s and forty percent a year that it was growing and I want to say it only grew, 20% in Q4 your over here which again faster than AWS and still quite fast but for 12 months that means they sold thirty two point seven billion dollars worth of ads and if you assume, that ads are about 75 percent gross margin that means that the ad business contributed 25 billion dollars in earned income, um and ews last year contributed 22 billion dollars in earned income so, you're you know you basically end up with. Retail media networks contributing more to the bottom line at Amazon even than a WS which they're both great businesses. Scot: [23:31] You know I think the 75% is aggressive I think I don't understand why it's like almost not a hundred percent. Jason: [23:39] I agree I used to use a higher number and then I saw some like industry guys the. Like felt like there's more overhead in there and there are a lot of salespeople you know which don't don't you know scale model linearly so so in, I kind of fell in line with some other analysts and dropped it down to that 75%. Scot: [23:59] Yep. Jason: [24:03] However you size it like I'm pretty confident it's the most profitable business at Amazon and still like although it's slowing down slightly it's still still certainly growing, so that was interesting one that I haven't got my head around yet and I feel like you used to do this math yourself but I'm working on a couple of different models for what. Total us gmv did for Amazon and it's not completely trivial because we know what the first party sales were we know what the, the the units were but you know you have to make some assumptions to kind of convert those units into a GM V and the and the mix of third party is different than the mix of first party. But there but the reason that's interesting is liked by most models you know it it was not a huge, growth year for gmv for Amazon and so again I don't have a official estimate yet but like let's assume. They grew by 10% the. [25:16] Fees that they charge third-party sellers Drew 14%. Um so that the fees they're being able to get out of the third party Marketplace is almost certainly growing faster. Then the third party Marketplace and that's because they're able to raise a bunch of rates and our friends at Marketplace pulse did some math and they feel that on average the average 3rd party seller on Amazon when you add up all the selling cost between F ba and and advertising that the average take rate is now 50%. [25:55] So Well I always remind I mean Amazon is a good place to sell like I'm not saying anyone that they shouldn't use Amazon as part of their mix but I get asked all the time if I should just skip it, any other channel in just exclusively rely on Amazon and to me that's a huge mistake because Amazons. Rightly so going to optimize the profit for them and they're very good at that and so they're you know they're taking a lot of margin out of third party selling because there's a long line of people waiting behind every 3rd party seller that want to sell that same stuff. Scot: [26:27] Yeah you going to have a blended approach and kind of Leverage it to sell the right thing at the right time in the right Channel someone should start a company that does that but we'll talk about that another podcast. [26:42] He's busy car washing right now cool that's the Amazon report anything any other earnings you found in arson. Jason: [26:51] Yeah so Amazon reported pretty early this year I don't know if that was strategic or just have a calendar fell but now we are starting to get all of the more traditional retailers and so I want to say we recording this on Thursday Tuesday Walmart and Home Depot reported tomorrow morning targets going to report so we're starting to get all the the cue for sales data from the big retailers, a bunch of specialty Brands like a lot of the apparel Vans VF and folks have already reported and there is emerging and pretty. Clear picture so maybe before we do the Crip picture I'll just recap Walmart Q4 and I tried to channel my inner Scott because. [27:36] Scot and I are the perfect yin and yang Scott is a you know former public company CEO and Savvy investor and he cares a lot about how these companies perform against expectations and what happens to their, their evaluations and I just care how much stuff they sold all right and so I feel it's funny we both look at like all these earnings through different lenses so through your lens I feel like Walmart was mix I think you'd call it a beat and lower because earnings exceeded analysts expectations they came in at 1.71, per share and the in the analyst Target was 1.51 so that's a pretty good beat Revenue came in and 164 billion for the quarter and the expectation was unearned 59 billion so another good, um but on the bad news I think analysts were hoping for. Guidance of like five or six percent growth for the year and Walmart gave a two to two and a half percent guidance for the year. [28:42] And so basically the story was, we had a solid Q4 and a solid 20 22 but we're expecting things to get more difficult and more lean, in 2023 and they you know overtly said we saw spending slow down in the fourth quarter we saw a shift in the mix that they were consumers were trading down, to lower-cost products they were shifting from wants to needs and in Walmart's mix those needs are a lot less profitable so they're selling more Grocery and less, electronics and toys and home goods and stuff like that, and so the both of the guidance for revenue and especially the guidance for profit at Walmart were where lower and that, to me exactly Echoes a lot of the other earnings we heard like the Peril guys their guidance was awful and they're starting their stocks just Tanked, Home Depot actually had like a really soft Q4 because they said spending slow down at the beginning of Q4 so they cut they missed their. Their earnings expectations for Q4 and they had a little guidance but almost every retailer I've seen report earnings has reported lower than anticipated or has made a lower than hope for guidance, for 2023 so retailers are not super bullish on 2023. [30:05] From a pure sales standpoint it's kind of interesting I try to just to compare apples to apples Walmart's an international company, you know with two big retail Concepts in the US and a bunch of other countries I try to pull out like just Walmart sales in the US, and their same-store sales the three years of the pandemic 20 20 21 and 22 they grew 8.6% 6.4% and 6.6%. Average retail growth is 4.1 percent so they, significantly exceeded the industry average for all three of those years but the industry also did much better for the all three of those years so the industry grew at 7.8 14.4 and 6.9 so, basically Walmart slightly out performed the retail industry and two of the three years and underperformed retailing 2021, but solid growth across all three years and then Walmart is one of the nice retailers that breakout their e-commerce growth separately which. I suspect it's because it's usually pretty robust a lot of other companies have stopped reporting e-commerce and you can. [31:11] Speculate why that is this is they don't report it but Walmart eCommerce growth has been very robust during the pandemic so they grew 69 percent in 2020 11 percent in, 21 and 12 percent in 22 and that is you know their 69% was against an industry growth of 42 percent. And then you know this year they drew 12 percent against a e-commerce industry growth of 7.4 percent so. [31:38] Like pretty good e-commerce growth all the way across on a three-year stack that means Walmart Drew or Walmart Drew 100% over those three years their e-commerce business in the US, the the e-commerce industry grew 81% so Walmart Psych the second largest e-commerce site in the United States and they outperformed, the industry on growth Amazon probably did not outperform the industry like like the the best forecast is Amazon probably Drew 56% over those three years, so Walmart not surprising they're much more than Amazon and e-commerce but they grew much faster than Amazon, eBay ends up being the big loser over the three years they only Group 17 percent so kind of the underperformer and then just for sake of comparison Etsy grew 150 percent over the pandemic Shopify drew two hundred and twenty nine percent. And then this apparel company I talk a lot about, is crazy Chien Drew nine hundred percent during the pandemic and some of their financial data week to last month, and their internal forecast for their us Revenue in 2025 exceeds eBay's forecast for all revenue so that's enough, and apparel retailer that's going to sell more stuff online than all of eBay. Scot: [32:54] Wow that's crazy. Jason: [32:56] Yeah the world changes any of that. Scot: [32:58] Do they have infrastructure in the US like to do shipping and stuffers at all come straight from China. Jason: [33:04] The for Sheehan. I believe that they may have announced that they acquired some some sorting centers or some fulfillment center space in the US but I don't think it's come online yet so I think at the moment it's all being shipped abroad but I'm not certain on that. Scot: [33:21] Wow that's crazy it's a lot of international shipments. Jason: [33:26] Yeah yeah but it sounds like it's moving and then the speculation is you know she in in a lot of markets is a Marketplace and they are not a Marketplace in the US yet but a lot of people are speculating, that they're going to launch a Marketplace this year and especially if you if you think there are bigger overall than eBay. You know they're the biggest apparels reseller in the u.s. online or offline like they're on a on a tear it's pretty interesting and what covered on a different show but like their model about what I think is most interesting about Sheehan is there no Merchants they're literally getting their product ideas from tick-tock. Scot: [34:05] Yeah yeah and having a Marketplace will be good will be another piece of data to feed into this kind of viral Crazy Fast fashion engine that they've created. Jason: [34:15] 100% And it's interesting you know. Scot: [34:18] Third party seller would be scary. Jason: [34:18] Accused of doing that in a in a non-competitive way but and they may or may not be doing that but if they are doing it they're doing it with people like you know Sheehan is doing it with Skynet. Scot: [34:30] Yeah cool any other news on the e-commerce front. Jason: [34:37] Well so those are the big earnings I again there's you know we're going to see a bunch of the other big box retailers report over the next couple weeks so we'll put together a more complete picture of of who the winners and losers were like it's mapping if you look at the US Department of Commerce data and you see the categories that won and lost. By shockingly and I would have gone these predictions wrong at the beginning of the pandemic but you know what category like was about the best specialty category to be in over the last three years it was Sporting Goods. Scot: [35:05] Sporting Goods. Jason: [35:07] Yeah which I would not have thought right and Dix's you know had a like Dick's Sporting Goods has had a particularly good run and in fact they bought Moose Jaw from from Walmart today. The and the worst category to be in in the last three years by far is consumer electronics and so, spoiler alert Best Buy hasn't reported this quarter yet but all indications are that it's not going to be a Rosie. Quarter for Best Buy. Scot: [35:38] You know saw Home Depot had theater announcer pre-warned that things were getting kind of soft and so they've had a tremendous run since 2020 said some point people had to run out of money for upgrading their houses looks like we may be at a Tipping Point there too. Jason: [35:53] Yeah and I would categorize them as kind of one of these middle ones they had a phenomenal first half of the pandemic and now it appears to be slowing down and I you know some of the furniture guys are in that same boat and so that the you know it'll be interesting to see where they net out over the three years like I think they're going to net out to have done better than average but not but not amazingly right and in the middle of the pandemic we were all saying like oh man these are. You know Home Depot might be the biggest winner of the pandemic because everybody redid their backyard. So the that's all the earnings stuff I had the other like kind of pool of interesting news that I'm going to ask a lot about right now all centers around social commerce and what's interesting is, there's like news and diametrically different directions so Tik-Tok which, it's not the biggest social network but it's certainly the fastest growing social network and it's it's you know it has prodigious engagement at this point Tick-Tock launched they've had some native shopping before but they launched a native shops feature and it I would characterize it as the most robust. [37:09] Feature set for shopping on a social platform that I've seen yet so stores can have their own shop they can aggregate their own catalog and it's everything is not just a buy now which is normally how social networks do it they have a persistent cart and you you can add multiple items to a cart um you can change all the attributes of those items which is often a problem with other native checkouts you can get a delivery forecast you get tax calculate promo code you get all these things that like historically social networks Skip and then a feature I would have never expected, it's a multi-vendor universal cart so you can actually buy from multiple Tik-Tok shops, in a single transaction and they take PayPal and Apple pay so I would characterize that as a surprisingly robust, native feature to get people buying on tick-tock, and so if you just saw that news you'd say oh that's the future is you know people are discovering stuff on Tik-Tok instead of in the Shelf in the aisle at a store and now they're just going to buy it right on Tick-Tock but in the the same month, our friends at meta turned off their shopping tab on both Facebook and Instagram and said, hey we tried it and we don't we don't think that's how people want to shop and then I guess one other. [38:37] Selfish piece of. Of content in this whole genre a lot of the hype in the u.s. when I get clients asking me about like the Buzzy thing in social commerce it's a live streaming Commerce then there now 100 live streaming vendors I get pitches every single day from someone that like has reinvented shopping and it's all this wise Freeman Commerce which is huge in China but has not. [39:04] Taking off in the US and so I got tired of repeating my same concerns so I wrote a Forbes article that got pretty popular you know talking about how I felt like live streaming Commerce in particular. Was wildly overhyped and it got a lot of them reactions some people violently disagree most of those were live streaming vendors and a lot of, lives a lot of veterans in the space including like brands that sell abroad we're live streaming is big and in the u.s. like chimed in and said yeah what Jason saying is exactly what we're seeing. And what it boils down to is there's there some genres we're live-streaming makes a lot of sense and I think some of those are genres you shop in a lot like Collectibles and unique items and things like that but like if there's not huge product scarcity, the other main reason people shop in livestreams is for deep discounts and so like you can almost replace the word live stream with flash sale. Um for kind of a similar kind of reach like all of this live stream in Commerce in China is and it's 40% off for the next 20 minutes. And so you know that those that kind of extreme deal-making like hasn't, you know how to legs in the US and so it's not surprising that live-streaming hasn't taken off to the same level but I'd be curious our view. [40:31] Like so when I could talk to clients it's an open question right now like what's the future of social commerce is it important is it not important and that is important like is it going to happen on, the social platforms like Tik-Tok their native check out like does Target need to have their own Tick-Tock shop or. Is social a great tool for Discovery and there's lots of ways to connect that that social discovery with traditional e-commerce experiences and you know I. I don't think there's a clear answer yet in the US but it's a super interesting question. Scot: [41:14] Then that's where it would be driven from like if the Kardashians you know had had some kind of a platform of some kind. They have a big enough audience they could direct that audience to the platform and do things it just doesn't really exist in an integrated fashion right you're in you can't really do it on Instagram because you don't have the check out and it just hasn't come together. Amazon can't do it it's like kind of complicated to bring the influence over there and they may not have liked the right thing the influencer wants to sell. Jason: [41:46] Yeah and I do think it is a different story if you're if you're a mega influencer that has a huge audience and you have a relatively limited catalog right so Kylie Jenner is a perfect example like, I think she could do a lot of business on Instagram and Tik-Tok but like that's a wildly different problem than a wholesaler that has. 5 million 10 million 80 million skus in their catalog and what they should be doing on on social networks. Scot: [42:17] I think it can work for it works for Collectibles because you have this kind of like high Affinity audience it works for beauty and apparel and I think that's kind of it. Jason: [42:26] Yeah what I guess and you know. Fair enough for retailers to have broad Ambitions but if you look at China a lot of this like social commerce and e-commerce like a bunch of it happens on social networks like Dao Yuan which is Tick-Tock there and WeChat which. I guess Loosely similar to Twitter. But a lot of it does happen on platforms owned by the retailer right so towel live which is you know essentially a site owned by by you know the the Amazon of China. Is a big social platform where a lot of people go just to watch short-form videos and buy a lot of stuff. Um and so you know of course if you're a retailer that's what you'd want like you don't want to be disintermediated by the social platform and have to pay a fee and not know who the customer is you you want the customer to come to you. But it. [43:23] It seems like recreating that model in the US would be super hard and the I would argue the retailer that stride the hardest to do it is Amazon and Amazon has all the features like they they have a. They had Amazon live for a while now they have Amazon Inspire and they have a lot of influencers creating unique short form video content with shoppable ads in it. On the Amazon platform but I would say the early indications are that. It's not organically working like you know it's not drying a bunch of people that just want to Doom stroll on Amazon instead of tick-tock and creators aren't going there because they're making a bunch of money, in the normal economic model what what it seems like is happening is Amazon is paying like extra bounties to get creators to try the platform. And they the Creator goes to that platform as long as that Bounty exist but as soon as that Bounty expires and they fall into the normal economic model the Creator's returning to tick tock because they can make more money on Tick Tock than they can on on inspire. Scot: [44:25] Yeah the whatnot platform is pretty fascinating because it has like yes it's got a persistent store on one side of the screen and then you're watching the talent and then you know they can do they can sell things like a variety of different ways that can run an auction they can they can do a limited almost like a QVC I've got 10 of these and when they're gone they're gone and on the screen it does a countdown they can do a. Did you like a markdown I think you would probably call it a filene's basement kind of thing you know that wear it the longer it's there the more discount there is so it's kind of counterintuitive lie you're kind of like. You're kind of like waiting waiting and then you see it. Jumping yet game a discount chicken and then you know it's really fascinating how they you know they give the the. Seller who is largely you know an influencer of so many tools to sell and they're all integrated so once you have your your payment information in there you know you get really sucked into the game and I think that's really what it's going to take like that's what you're missing on you know any of these Tick-Tock may have it I haven't seen their platform but you know certainly Instagram or Facebook reels or YouTube they don't have that level of integration even the Amazon stuff I've seen has been kind of. Not super Innovative from is like a Lincoln you know feels affiliate e it's not like an integrated into the video thing. Jason: [45:55] Yeah no I hundred percent agree I think some of those knit your experiences are a lot more interesting at the moment than any of the super mainstream ones but what not is certainly interesting to look at I do think like Network without any vowels in it is like interesting, flavor of live shopping which seems like it works in some genres so yeah I think some of those the sites are interesting one thing I would point out about all of those is, their definition of influencer is maybe a little different than like the traditional like when we say influencer I think a lot of people think of Mega influencers right in the think of these. These superstars with millions of followers but. Like on most of those these platforms that the influencer is someone with a much smaller following so it's much more of a long tail influencer or a micro influencer. Scot: [46:46] Cool. Jason: [46:49] Yeah so I feel like this is going to be an interesting space to follow throughout all of 2023 but I do think. It's going to be an interesting year in retail and 2023 because I think a lot of retailers are worried at least at the first half is not going to be robust and so you're seeing a lot of shift in investment on retailers from. Kind of like you know mega growth and customer acquisition activities to like. Operational efficiencies and improve our our profit and our short-term returns type activities. Scot: [47:23] Yeah in the I guess used to continue to get pictures from the live stream guys are they on to you now. Jason: [47:30] Yeah no so again you know you can totally pan them on in an article and you know the internet has a short memory so I still get. Get lots of pictures and you know. One of them will be amazing right so it's hard like you want to listen to all these pictures because someone will there's some entrepreneur out there that will have some amazing new idea and odds are like all get jaded and cynical and ignore him and miss it. But the signal noise ratio is pretty tough because you you will have to list you know listen to a lot of like you know poorly articulated pitches to get to that one good one. Sure I'm sure you get that from an investment perspective all the time. Scot: [48:10] I do yeah it's it's hard to pick the if I've learned anything it's very humbling trying to pick winners and losers so I have given up on them. Everyone's a winner everyone gets a trophy Jason. Jason: [48:25] I love it participation that's the modern. Scot: [48:26] Yeah yeah. Jason: [48:38] And I feel like it's both overhyped and legitimate at the same time is all this generative Ai and its use cases, in Commerce right you know so obviously the most Buzzy one of the moment is chat gbt but GPT Beth. There's actually a lot of super interesting tools that are that retailers are starting to legitimately used to get more operationally efficient and I think that might be an interesting topic for a deep dive of Europe for. Scot: [49:10] Yeah yeah guilty pleasure confession I am addicted to mid-journey I love playing with the generative visual a is that there are a lot of fun. Jason: [49:20] Yeah I think they are super interesting and I will tease the Deep dive. So the interesting thing about the she and apparel model is they identify a trend and they have a fast turn Factory that can make literally like a first run of that apparel item in a day. So a day after they see a trend on Tick Tock they've got 100 up for sale and if those hundreds L then they make 10,000 right and so it's this like super fast iteration. You know you're not trying to show for she and because there's a lot of challenges with the model to but that I have heard that she and launches about 10,000 skus a day. So a day to put that in perspective fast fashion like H&M launched 20,000 skews a year and slow fashion like the Gap launch for thousands of years a year so 10,000 a day is. Is game changing but it's super hard to do and so. You know what super interesting about the generative AI for images is. If you're really just doing a one-day test to see if there's demand for some new apparel like. You can generate amazing images of apparel Styles without making the apparel you can put it up on an e-commerce site you can collect a pre-order and then you can make it tomorrow if it gets the enough demand. [50:43] And so you're starting to see people like skip the photography all together and use generative AI to do concept testing and for sure if you're on a parasite in your shopping for. An outfit that's coming from multiple vendors you can use the generative image AI image generation. Render all three of those apparel items from different providers on the same mannequin or increasingly, on a virtual Avatar of the Shopper right so it Walmart you can see all that apparel like on your own body which no apparel looks better on my body than it does on the mannequin so in my case it doesn't work but. I can see the appeal for others. Scot: [51:25] Yeah it's a good inventory turns to not make something and then sell it. Jason: [51:30] Yes exactly it's like moving One Step close yeah so, and in the apparel where they make a lot of that clothes and can never sell it and then it goes into the landfill like you know it helps with the Ecology of the industry so so super interesting stuff the progress is happening super fast so it's exciting, but Scott that's probably a good place to leave it for today because once again we've used up our allotted time as always if this show is helpful we sure would love it if you jump on iTunes and give us that five star review and you know get ready to say hi to me at a couple of these upcoming shows. [52:18] Happy Commercing.

This week's episode is absolutely loaded with stories and topics from six time National Champion Josiah Beers. Also, joining the episode is John Earley, so you know what that means - Top Cut Savvy is back together again (at least for one more episode). Topics range from Faith, Ministry, Missions, Revival and Family. And heck, thats just the first 20 minutes. After that there's plenty of Redemption covered with Josiah and John. Make sure you listen to this one!   If you or your church would like to connect with Jerome Beers, his contact information is below. Be be respectful and only share and use his contact information as intended. His website is wayfarersfeet.com Email: jmbeers93@gmail.com Cell: (717) 634-8444 (Call or Text)   As always, thanks for listening. If you are enjoying the podcast, please consider supporting our sponsors at Covenant Games.

#041.  Today's guests are Doug Nordman and Carol Pittner, a father/daughter duo who provide interesting and contrasting perspectives on raising money savvy families.  Doug and his daughter Carol talk the importance of teaching delayed gratification skills to kids.  They discuss the concepts and ideas around '20 minutes per day' ‘The one special thing', the ‘Bank of Carol Certificate Deposit System', and the Kid 401(k), all ideas used while Carol was growing up. Doug and Carol talk about how kids best learn about spending decisions through making bad choices and allowing kids to make mistakes early to prevent larger ones later one.  We discuss the progression of allowing Carol to order food from a young age to teach her critical money handling skills and responsibility.  We review the importance of paying a regular allowance as a money management tool, without making it contingent on good behaviour. We discuss how introducing financial incentives and profit sharing for kids can provide kids with ways to earn money, while providing increased amounts of responsibility and freedom.  And lastly, the importance of thinking about the entire lifecycle of an item, when making purchase and spending decisions.  Show notes and more at:https://moneydadpodcast.com/session041

Okay, okay... I'm not the BEST person to talk to about social media. But that doesn't mean I don't have a few tricks up my sleeve! This remix episode focuses on tips and strategies to create and market content for your social media accounts so that it matches your brand. In this episode, you will learn: the true purpose of social media tips for using social media purposefully (through planning, using templates, and scheduling content) my best tips on showing up consistently on Instagram, Facebook, and TikTok Resources and Links Submit a question for the CTP Q&A! Let's connect! TPT Store: The Southern Teach Website: thesouthernteach.com/designs Instagram: @thesouthernteach.designs Facebook: The Southern Teach Design and Branding Blog: The Southern Teach Blog

*Knock Knock* “Who's there?” Its pastors Nikki, Clayton, and Eric! They open the doors with a game of “Would you Rather” that even you listening to this can play! They also open up Romans 5:1-11 where they discuss the sacrifice of Jesus alongside the theme of how suffering opens the door to perseverance, character, and … Continue reading "Bible Savvy Podcast | S3 Episode 25: Romans 5"

IN THIS EPISODE: In this episode our host, Denise Silber is joined by Françoise Bouyer, a Harvard Business School Amp alumna,  a self-described gender-free entrepreneur, with expertise in the luxury industry and in HR. Together they discuss how gender inclusivity and understanding in the workplace has become crucial for the entrepreneur interested in  building a richer sense of self, engaging a more fulfilled and successful team, and  producing relevant goods and services for the customer of today   As CEO of BeThe1, an international consulting firm in human relations and recruitment of middle and senior managers, Françoise is an expert on all things diversity, equity, inclusion, and gender identity in the workplace. Françoise reminds us  that the binary gender identity is a cultural convention, that  sexual orientation and gender are distinct, and that a gender savvy leader will foster a richer company culture and brand following. With new generations becoming more engaged in the societal evolution regarding gender, value-driven, inclusive companies are being rewarded with more loyal customers. Tune in to find out how your business can join the global shift towards creating a more inclusive workplace and innovative products and services. GUEST BIO: Françoise Bouyer is CEO of BeThe1, an international consulting firm in human relations and recruitment of middle and senior managers. She has two complementary expertise: extensive managerial experience in the fashion, luxury, beauty and retail industries with brands including Celine, Christian Lacroix, Nina Ricci, and  as an HR consultant in recruitment, gender and gender identity, diversity, equity and inclusion. Freed from the binary feminine/masculine norm of gender identity, Françoise is engaged with the public and organizations to share her understanding of what gender is, and advocate for a more open and inclusive culture, attitude and behavior towards gender.”  HBS AMP 156 ('99), Françoise Bouyer leads the HBS Club of France Career Commission, supporting HBS alumni with career advice.

In this episode of the Road to Growth podcast, we are pleased to introduce you to Sean Rosensteel. Sean is a lifelong entrepreneur and the founder of Savvy Pro Web, a company that builds professional websites that increase credibility, generate leads and win clients. After being taken advantage of in his first business and going bankrupt, Sean began building and marketing websites. He quickly realized how often his entrepreneurial clients were getting ripped off by digital marketers and that they'd rather get a root canal than deal with another tech-talking website vendor. Savvy Pro Web exists to ensure every entrepreneur makes better, more informed website decisions so they never have to go through the feeling of being taken advantage of again. Sean has a degree in Entrepreneurship from the University of St. Thomas, runs his company on EOS (the Entrepreneurial Operating System), is a StoryBrand Certified Guide and is a proud member of Strategic Coach. He resides in Dallas, Texas with his wife Karen and their three beautiful children.   Learn more and connect with Sean Rosensteel by visiting him on   Website: https://www.savvyproweb.com/ Linkedin: https://www.linkedin.com/in/seanrosensteel/   Be sure to follow us on Twitter: Twitter.com/to_growth on Facebook: facebook.com/Road2Growth   Subscribe to our podcast across the web: https://www.theenriquezgroup.com/blog Spotify: https://spoti.fi/2Cdmacc iTunes: https://apple.co/2F4zAcn Castbox: http://bit.ly/2F4NfQq Google Play: http://bit.ly/2TxUYQ2 Youtube: https://www.youtube.com/channel/UCKnzMRkl-PurAb32mCLCMeA?view_as=subscriber   If you are looking to be a Guest on Podcasts please click below  https://kitcaster.com/rtg/  For any San Diego Real Estate Questions Please Follow Us at web: www.TheEnriquezGroup.com Youtube: https://www.youtube.com/channel/UCKnzMRkl-PurAb32mCLCMeA or Call : 858 -345 - 7829 Recently reduced properties in San Diego County * Click **** bit.ly/3cbT65C **** Here* ****************************************************************************

(0:00) Bestie intro: Jason's Japan trip! (1:04) Stripe's precarious situation: Did it miss its window? Breaking down its $4B tax bill, slowing growth curve, enterprise vs SMB customers, scalability issues, and more (23:07) Lessons for founders: How ZIRP can skew CAC and LTV calculations, burn multiple (29:40) VC market update: ZIRP mistakes, VC as a "must-have" asset class for LPs, how the 2021 vintage can be saved (39:05) AI's outsized impact on SaaS and real-world businesses (55:16) Advice from Steve Jobs on customer-first product development, Section 230 update (1:00:29) Trump's savvy visit to East Palestine and 2024 strategy, Biden's visit to Ukraine, China's position (1:14:24) Tinfoil hat corner (1:23:25) Bestie wrap up! Follow the besties: https://twitter.com/chamath https://linktr.ee/calacanis https://twitter.com/DavidSacks https://twitter.com/friedberg Follow the pod: https://twitter.com/theallinpod https://linktr.ee/allinpodcast Intro Music Credit: https://rb.gy/tppkzl https://twitter.com/yung_spielburg Intro Video Credit: https://twitter.com/TheZachEffect Referenced in the show: https://www.theinformation.com/articles/inside-stripes-55-billion-pitch-to-investors https://www.theinformation.com/articles/the-private-tech-company-that-let-employee-stock-grants-evaporate https://techcrunch.com/2013/09/11/zuckerberg-says-he-was-too-afraid-of-taking-facebook-public https://sacks.substack.com/p/enterprises-vs-smbs-whos-the-better-customer-for-b2b-saas-startups-9a0d4efe69e9 https://sacks.substack.com/p/the-burn-multiple-51a7e43cb200 https://twitter.com/tylertringas/status/1627449217294958592 https://chamathreads.substack.com/p/higher-rates-will-lead-to-the-next https://twitter.com/Jason/status/1628851245644644352 https://signalvnoise.com/posts/3497-you-know-one-of-the-things-that-really-hurt https://www.scotusblog.com/2023/02/not-like-the-nine-greatest-experts-on-the-internet-justices-seem-leery-of-broad-ruling-on-section-230 https://www.whitehouse.gov/briefing-room/statements-releases/2023/02/20/on-the-record-press-call-by-senior-administration-officials-on-president-bidens-trip-to-ukraine https://www.washingtonpost.com/politics/2023/02/20/secrecy-security-biden-trip-to-kyiv https://www.yahoo.com/news/joe-biden-makes-surprise-visit-095627966.html https://twitter.com/nytimes/status/1626984889449959430 https://www.nytimes.com/interactive/2023/02/23/world/russia-ukraine-geopolitics.html https://www.bbc.com/news/world-europe-26079957 https://openai.com/blog/how-should-ai-systems-behave

Marianne Murciano, Bob Sirott's wife and founder of Savvy-Planet, joins Bob to talk about the “cheat codes” that will help you jump ahead of other people you may or may not be competing against. Marianne joins Bob for a weekly segment following the 8:30 am newscast. For more savvy tips, go to Savvy-Planet.Com. Share your own […]

https://youtube.com/live/syuaG9qej2ESteve Chappell is one of our most experienced trainers at VectorVest and he is brilliant in a room of people interested in learning how to navigate the markets. During this interview, Susan will ask Steve about his learning techniques that really make education stick and what the difference is between those who succeed and don't in their investing journey.Stay connected with Susan by joining her member list ➥➥➥ https://www.vectorvest.com/FFFHow do you really learn about investing - Savvy Investors at VectorVest with Susan HayesCulletonUse this link for a FREE Stock Analysis Report ➥➥➥ http://bit.ly/2KsZlqzVectorVest mobile app ➥➥➥ http://bit.ly/2UjF6y6 

On Today's Episode: Today's episode guest, Wenbo Shi, goes Deep with me on how he's built his Boston-based energy startup, including detailed answers on the how, when, why and who of his fundraising strategy like I've rarely gotten into with a guest. Wenbo honed his interest in solar and decarbonization during an intensive academic journey stretching from undergraduate studies at Xi'an Jiaotong University in Xi'an to a Ph.D. from UCLA and post-doctoral work at Harvard. He vowed early on to NOT be in the power sector; I get him to talk about why he ultimately realized he couldn't avoid it.At both UCLA and Harvard, he researched microgrid and smart grid management and published more than 20 peer-reviewed papers, which have received more than 1,000 citations. Two of those papers ranked among the most popular articles ever published in IEEE, the world's largest technical professional organization. So you can trust me when I say that today's guest is a smart grid expert!Wenbo embarked on an entrepreneurial path in 2019 after completing his Harvard fellowship. His company, Singularity Energy, is a Software-as-a-Service platform that reports on carbon emissions for the electricity grid, and counts major utilities and consumer brands like Eversource and Sense as clients. Boston-base Singularity uses advanced machine learning to help grid operators quantify their carbon footprints. It analyzes and predicts carbon emissions changes and the impacts of decarbonization measures so customers can time their energy use and trim their carbon footprints.In today's podcast, Wenbo explains how Singularity evolved to solve this carbon data problem and how leveraging that data to inform better decisions is the most direct path to decarbonization. This insightful episode is full of memorable takeaways that will act as connective tissue for problems you're solving. If you want to connect with today's guest(s), you'll find links to their contact info in the show notes on the blog at https://mysuncast.com/suncast-episodes/.SunCast is presented by Sungrow, the world's most bankable inverter brand.You can learn more about all the sponsors who help make this show free for you at www.mysuncast.com/sponsors.Remember, you can always find resources, learn more about today's guest(s) and explore recommendations, book links, and more than 572 other founder stories and startup advice at www.mysuncast.com.You can connect with me, Nico Johnson, on:Twitter - https://www.twitter.com/nicomeoLinkedIn - https://www.linkedin.com/in/nickalus

The Squiz is your shortcut to the news. More details and links to further reading for all of today's news can be found in The Squiz Today email. Click here to get it in your inbox each weekday morning. You can listen to the ChatGPT Squiz Shortcut here. Squiz Kids needs your help to make our survey as meaningful as possible - you can find it here.  You can listen to Voyager's Eurovision entry song, Promise, here. Other things we do: Squiz Shortcuts - a weekly explainer on big news topics Squiz Kids - a news podcast for curious kids. Age-appropriate news without the nasties!

Why would college football want to shorten its games? Andy and Ari detail the reasons behind the potential rule changes that would condense the action on the field. With NIL, the 12-team CFP, and now this possible time-saving move all happening so quick, is it possible that the sport is changing too much? Will we, as fans, eventually miss out on what makes this sport so quirky and special to us? Plus, Marcus Freeman's smooth response to a question about the Andy Ludwig situation. Watch on YouTube: https://youtube.com/live/PaiqcwA2hmg Follow Andy on Twitter: @Andy_Staples Follow Ari on Twitter: @AriWasserman ----------------------- Upgrade your closet with Rhone and use ANDY23 to save 20% at https://www.rhone.com/adam Go to https://www.chime.com/andy to sign up for a Chime Credit Builder Visa Credit Card today! Thanks to Chime for supporting the show. Try Peloton risk free with a 30-Day Home Trial, New Members only at onepeloton.com/home-trial Learn more about your ad choices. Visit megaphone.fm/adchoices

Pastors Nikki, Clayton, and Eric pick their sides in the battle between generic and name-brand items! They also discuss the decisions, darkness, and divinity found within Romans 1:18-32. Jump into the Bible Savvy reading schedule at biblesavvy.com.

Have you heard of 40% back in accelerated bonus depreciation on investment? You will now! When you hear of engineers, you don't think of making money on investments. Mike Reynolds with Green Summit Engineering breaks down cost segregation and how it can make you money on your investment. After this podcast you will be asking yourself why did I wait so long to do Cost Segregation.  www.AdvancedInvestorAlliance.com

In the NYC Area? Every Friday Catch Dj Boogs at Savvy Bistro for Savvy Fridays. This Time his Friends Dj James Reed and Dj Ron Stopped in to join the madness Follow Them ON Instagram @Djboogs__ @Dj_JamesReed @BkDJRon

1-Fitradio 2-Do it the Stuff 3-Adjust on the flier 4-Seize the opportunity 5-Self Esteem 6-Guru. Do you have any ideas/questions? Share some feedback go to www.savvypodcast.com

Verano's portfolio encompasses 14 U.S. States, with active operations in 13, which includes 14 production facilities comprising over 1,000,000 square feet of cultivation.This week on The Dime, we host Aaron Miles, CIO of Verano to discuss:  Investment differences between organic and M&A license acquisitionBuilding a national brand portfolioBalancing capital investments in markets ahead of adult useand so much moreAbout Verano:Verano is a leading, vertically integrated, multi-state cannabis operator in the U.S., devoted to the ongoing improvement of communal wellness by providing responsible access to regulated cannabis products. With a mission to address vital health and wellness needs, Verano produces a comprehensive suite of premium, innovative cannabis products sold under its trusted portfolio of consumer brands, including Verano™, Avexia™, BITS™, Encore™, MŪV™ and Savvy™. Verano's portfolio encompasses 14 U.S. states, with active operations in 13, including 14 production facilities comprising over 1,000,000 square feet of cultivation capacity. Verano designs, builds, and operates dispensaries under retail brands including Zen Leaf™ and MŪV™, delivering a superior cannabis shopping experience in both medical and adult use markets. Verano Linkshttps://investors.verano.com/overview/default.aspxhttps://www.verano.com/https://twitter.com/veranobrandshttps://www.facebook.com/veranobrandshttps://www.instagram.com/veranobrands/?fbclid=IwAR0EqjU0SQodGxgPuSDgyrQUh8E1OqVwmug5KX3xm7FHPuwuUdmOYl427C4https://www.linkedin.com/in/aaron-miles/https://twitter.com/_aaronmiles_?lang=enVRNOF (OTCMKTS) #VRNOF #Cannabisinsider #cannabisFollow us: Our Links.At Eighth Revolution (8th Rev), we provide services from capital to cannabinoid and everything in between in the cannabinoid industry.8th Revolution Cannabinoid Playbook is an Industry-leading report covering the entire cannabis supply chain The Dime is a top 5% most shared  global podcast The Dime is a top 50 Cannabis Podcast Sign up for our playbook here:

Verano's portfolio encompasses 14 U.S. States, with active operations in 13, which includes 14 production facilities comprising over 1,000,000 square feet of cultivation.This week on The Dime, we host Aaron Miles, CIO of Verano to discuss:  Investment differences between organic and M&A license acquisition Building a national brand portfolio Balancing capital investments in markets ahead of adult use and so much more About Verano:Verano is a leading, vertically integrated, multi-state cannabis operator in the U.S., devoted to the ongoing improvement of communal wellness by providing responsible access to regulated cannabis products. With a mission to address vital health and wellness needs, Verano produces a comprehensive suite of premium, innovative cannabis products sold under its trusted portfolio of consumer brands, including Verano™, Avexia™, BITS™, Encore™, MŪV™ and Savvy™. Verano's portfolio encompasses 14 U.S. states, with active operations in 13, including 14 production facilities comprising over 1,000,000 square feet of cultivation capacity. Verano designs, builds, and operates dispensaries under retail brands including Zen Leaf™ and MŪV™, delivering a superior cannabis shopping experience in both medical and adult use markets. Verano Linkshttps://investors.verano.com/overview/default.aspxhttps://www.verano.com/https://twitter.com/veranobrandshttps://www.facebook.com/veranobrandshttps://www.instagram.com/veranobrands/?fbclid=IwAR0EqjU0SQodGxgPuSDgyrQUh8E1OqVwmug5KX3xm7FHPuwuUdmOYl427C4https://www.linkedin.com/in/aaron-miles/https://twitter.com/_aaronmiles_?lang=enVRNOF (OTCMKTS) #VRNOF #Cannabisinsider #cannabisFollow us: Our Links.At Eighth Revolution (8th Rev), we provide services from capital to cannabinoid and everything in between in the cannabinoid industry.8th Revolution Cannabinoid Playbook is an Industry-leading report covering the entire cannabis supply chain The Dime is a top 5% most shared  global podcast The Dime is a top 50 Cannabis Podcast Sign up for our playbook here:

Justin and Peter discuss the 2023 February Nintendo Direct, Style Savvy's return as Fashion Designer, the UK's thoughts on the Activision/Microsoft deal, and more!Follow us on Twitter @HitboxPodJoin our Discord server!https://discord.gg/unmGxETX3USupport us on Patreon!https://www.patreon.com/hitboxpod@peterspittech and @JustinMatkovichMetacritic Roundup games:Metroid Prime RemasteredMade possible by our wonderful Deluxe Podcast Patreon producers:Dave ParkerJ KnolThe intro and outro of Hitbox! is by ali_ontheguitar, check out their work right here:https://www.fiverr.com/aliontheguitar?source=gigpage

Join Polly as she answers listener questions on this first Savvy Swipers Satchel episode of the new year!  It has been a long while since she does this so listen in for valuable information and share it with a friend!

Dr. Beatrice Ncho, a medical device engineer, mentor, and academic coach, and Dr. Chiamaka, a chemical engineer, researcher, and mentor, are both the founders of Savvy Afro Success (Your plug for US international student success.) They are two sister-friends who've lived similar but very different experiences pursuing education and professional careers in the United States over the last 10+ years. Website: www.thesassplug.com Follow: @thesassplug ► SUBSCRIBE NOW TO SITM: https://www.youtube.com/c/SitMPodcast ________________________ Stuck in The Middle features Entrepreneurs, Innovators, and Creatives of African descent. Hear stories, ideas, experiences, & advice on breaking barriers weekly.

Are you working hard to be a featured guest on major media outlets, or are you trying to build your own media empire? After you listen to today's guest, showing up on the big shows will just be the icing on the cake your already expansive media empire. This week on Speakernomics we invited Rich Bontrager to give a crash course on how you can easily use your tools and free or inexpensive tools already accessible to you to build your own media franchise to help you get your message out to the world and to get booked. Drop us a line! Head over to www.Speakernomics.com/voicemail and leave us a voicemail answering the following question and we may use your recording on an upcoming episode of Speakernomics! Question: What is your one piece of content that you know you need to elevate Key Idea: You don't need other media companies, you can build your own media empire Who is Rich Bontrager? Rich teaches people how to rock with the stage with media-savvy brand skills. With over 25 years of media experience, he wants you to show up as your best physically and technically.   Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, I sat down to talk with Tiffany Grant a woman's finance coach, about how financial abuse can show up in any relationship. Even with all her experience with money and financial security, Tiffany herself was abused in some terrible ways. The importance of her story is that abuse is not limited to emotional or physical damage, financial abuse is very real and devastating for people when it happens. Tiffany's story is a testament to how abuse can happen to anyone at any time and the dangers of not protecting yourself and your money. Tiffany Grant is an Accredited Financial Counselor and award-winning personal finance blogger, podcaster, coach, and educator. She has been featured on Yahoo Finance, CNBC, Essence, and Acorns as an expert on side hustles, business, and money. Tiffany has helped many people become more in tune with their money by providing financial education in a down-to-earth and relatable format! Website: www.moneytalkwitht.com Twitter: www.twitter.com/moneytalkwitht Instagram: www.instagram.com/moneytalkwitht ________________ If you or someone you know need help with a domestic violence situation contact the national domestic violence hotline at 800-799-7233 or online at https://www.thehotline.org/?utm_source=google&utm_medium=organic&utm_campaign=domestic_violence

Pastors Nikki, Clayton, and Eric hit the jackpot as they discuss the lottery and what they consider a life-changing jackpot! Related to this, they also look at Paul's letter of encouragement for giving and generosity found within 2 Corinthians 9:6-15. Jump into the Bible Savvy reading schedule at biblesavvy.com.

We cover a mixed use commercial property and go over some key due diligence tips. www.AdvancedInvestorAlliance.com

1-New hiring concept 2-Write it out 3-Give wins 4-Do tough stuff 5-Know yourself 6-Understand taxes 7-New focus 8-Diaries of A Female Real Estate Investor 9-Get out of the poo.  Do you have any ideas/questions? Share some feedback go to www.savvypodcast.com

Janine is taking us to another exciting episode where she reflects on the 200-week journey of The Savvy Scribe Podcast. She's going to take us back to when this journey started and bring it to where it is today.Key points in this episode:– Janine reflects on the 200-week journey of The Savvy Scribe Podcast– Some testimonials from her avid listeners– She thanks the people behind the success of the podcast– Who are the audiences of the podcast– Janine's pieces of advice for those who want to thrive in their business– How she plans and comes up with new episodesSay hi to Janine on socials!InstagramFacebookWant to listen to more inspiring episodes of The Savvy Scribe Podcast? Check these out!– Episode 100: What I Learned In 100 Episodes of the Show– Episode 171: How To Get Started With Freelance Writing – Back To Basics– Episode 170: How To Use 15 Hours A Week To Build A Side Hustle Or Business With Deanna Gillingham– Episode 167: Habits To Set You Up For Success With Tammy Johnston– Episode 166: 5 Ways To Stay Motivated While Working RemotelyWelcome to the Savvy Scribe Podcast, I'm so glad you're here! Before we start the show, if you're interested, we have a free Facebook group called "Savvy Nurse Writer Community"I appreciate you following me and listening today. I would LOVE for you to subscribe: ITUNESAnd if you love it, can I ask for a

Super Bowl LVII features the top seeds from both conferences, but that doesn't mean the paths they traveled were at all similar. Bo Wulf, Zach Berman and Nate Taylor—the Athletic's beat writers covering the Eagles and Chiefs—join Robert Mays to dive into how their respective teams arrived at this point on this episode of The Athletic Football Show. Follow Robert on Twitter: @robertmays Follow Bo on Twitter: @Bo_Wulf Follow Zach on Twitter: @ZBerm Follow Nate on Twitter: @ByNateTaylor Subscribe to The Athletic Football Show... Apple Spotify YouTube Today's episode is brought to you by... Atlassian: For projects impossible alone, visit www.atlassian.com Peloton: Try Peloton risk free with a 30-Day Home Trial, New Members only at onepeloton.com/home-trial Burrow: Show Burrow you're listening to The Athletic Football Show by shopping at burrow.com/mays and get 10% off your first order Allbirds: Discover your perfect pair of Wool Runners at Allbirds.com today Blue Nile: Find the perfect piece of jewelry for life's special moments and save up to 50% now at bluenile.com Better Help: Visit BetterHelp.com/mays today to get 10% off your first month 3:00 The Eagles' path to the Super Bowl 8:00 Evolution of Jalen Hurts 15:00 Big moves made this offseason 19:00 The people who shape the team off the field 21:50 Nick Sirianni's influence 25:40 Howie Roseman does it again 32:45 The Andy Reid connection 38:18 Expectations for the Chiefs at the start of the year 47:23 The making of the secondary 56:33 Patrick Mahomes, Andy Reid and Chris Jones 58:48 Chiefs/Patriots parallels 68:28 Savvy contract manipulation Learn more about your ad choices. Visit megaphone.fm/adchoices

Join me at my upcoming FREE webinar on "How to Earn the Southwest Companion Pass for 2023-2024" Thursday, Feb. 16 at 3pm ET, 2pm CT, 1pm MT, Noon PacificRegister at FamiliesFlyFree.com/webinarFamilies Fly Free member Michele Sharples, who considered herself a savvy travel hacker, shares how the membership helped her to learn new things, simplify and stay up to date on the key information she needs from a trustworthy source.Related Episodes: 5 Common Mistakes With Travel Rewards in 2022 How We Saved $7,700 Across 22 Free Flights Stop Applying for Too Many Travel Cards! There's a Simpler Way... Get on the fast-track to flying your family free inside Families Fly Free. Learn more...https://www.familiesflyfree.com/join

Pastors Nikki, Clayton, and Eric open their senses and discuss the unique scents and aromas that they find personally satisfying! The pastors also discuss Paul's letters in regards to covenants, contemplations, and considerations found within 2 Corinthians 3:7-18. Jump into the Bible Savvy reading schedule at biblesavvy.com.