Podcasts about shared ownership

In this episode of Capital for Good we speak with Anna-Lisa Miller, the Executive Director of Ownership Works, and a long time advocate of economic inclusion, empowerment and mobility.  Miller started her career in corporate law at Paul, Weiss, Rifkind, Wharton and Garrison, and transitioned to the nonprofit sector – the Kohala Center and Project Equity – to pursue her passion for creating opportunities that uplift workers and families.  Today, at Ownership Works, she leads an organization and movement focused on employee ownerships models that “reimagine equity to build wealth for all.”  In 2024, Miller was named as one of Business Insider's top 10 business leaders spearheading industry-transforming change. In this wide ranging interview, we learn how Miller's commitment to finding pathways to economic opportunity and mobility for workers and families is rooted in her childhood experiences; she moved to the U.S. at a young age and was raised by a single mother who rebuilt her career as a nurse, supporting three children paycheck to paycheck -- and never far from financial insecurity.  Trained as a corporate lawyer, Miller moved into the nonprofit sector to test various models of employee ownership and economic mobility before meeting Pete Stavros, who had been successfully experimenting with owner equity in various portfolio companies he oversaw at KKR.  Both understood the broader potential of the approach as a way to build employee wealth and improve business performance, and in 2021 formally launched Ownership Works (OW).  Today, with 30 employees, nearly 100 partners (including 37 private equity firms, publicly traded companies, professional service firms, institutional investors, labor groups and foundations), and 130 companies across a wide range of industries implementing the model, OW aims to create $30 billion in wealth by 2030 and create proof points that influence how companies across the private sector harness the power of employee engagement and ownership. Miller walks us through various components of the OW model, sharing the example of Charter Next Generation, an Illinois manufacturing company that has used employee ownership to improve substantially employee engagement, retention and company profitability.  She hopes that the long-standing bipartisan support for employee ownership as a path to economic inclusion and opportunity serves the movement well in this moment.  In the meantime, she and OW are focused on collecting additional data and case studies that demonstrate employee ownership's value and feasibility, to encourage broader adoption and new norms in business.  “You hear a lot about win-wins,” Miller says.  “This truly is.” Thanks for Listening! Subscribe to Capital for Good on Apple, Amazon, Google, Spotify, or wherever you get your podcasts. Drop us a line at socialenterprise@gsb.columbia.edu.  Mentioned in this podcast: Ownership Works Private Equity Is Starting to Share With Workers, Without Taking a Financial Hit New York Times January 2024 Charter Next Generation: Follow a Real Life Journey to Shared Ownership

As hosts Merryn Somerset Webb and John Stepek, continue on with part 3 of their UK housing mini-series, they help answer a listener question on the pros and cons of buying a shared ownership property in the UK. They are joined by Ray Boulger, of independent mortgage brokers, John Charcol. See omnystudio.com/listener for privacy information.

Substack Week: The Shared Ownership Challenge, Understanding Clear Accountability in Engineering Teams With Rafa Páez Welcome to our Substack Week, where we interview thought leaders who publish newsletters on Substack to help you find inspiring voices that drive our community forward. In this episode, we explore the concept of shared ownership and its pitfalls with Rafa Páez, an experienced engineering leader with insights on creating clear accountability in teams. The Pitfalls of Shared Ownership In engineering teams, shared ownership often manifests as ambiguity in responsibility and accountability. Rafa shares a personal experience where assigning two engineers to lead an initiative resulted in nothing getting done, as each assumed the other would take action. This phenomenon highlights how shared ownership without clear accountability can lead to missed deadlines, poor quality deliverables, and team conflicts. "It might not be my fault because I thought the other person was available, I thought the other person had more time to actually work on that initiative." Understanding the Bystander Effect The bystander effect, a psychological phenomenon first identified by social psychologists, explains why people are less likely to take action when others are present. In a team setting, this manifests as members assuming someone else will take responsibility, leading to collective inaction. This effect can significantly impact team productivity and project outcomes. "Because there are more people there, someone thinks that someone else will take care of that thing, whether it's a project, initiative, or any other action." The DRI Framework: Creating Clear Ownership The Directly Responsible Individual (DRI) concept, popularized by Gitlab and Apple, addresses the accountability gap by ensuring one person is clearly responsible for each significant initiative. This framework emerged after a failed project launch where no clear ownership led to quality issues. The DRI approach creates clear lines of responsibility while maintaining collaborative team dynamics. "You can have multiple DRIs for different aspects, but at the end, it needs to be one responsible for the overall project." Implementing DRI Successfully For leaders implementing the DRI framework, several key considerations are crucial for success. DRIs should be assigned thoughtfully based on skills and experience, with senior team members often better suited for these roles. The framework must be supported by a culture that empowers DRIs to make decisions while maintaining team collaboration. "DRIs need to be empowered to make decisions. If they are not empowered to make decisions, this role is not going to work because they're going to feel frustrated." Avoiding Common Anti-patterns When implementing the DRI framework, leaders should be aware of potential anti-patterns that can emerge. These include DRIs becoming bottlenecks, erosion of team collaboration, and overuse of the framework for minor tasks. Success requires finding the right balance and ensuring the framework enhances rather than hinders team dynamics. "Another issue or anti-pattern is the erosion of collaboration - some people might get the wrong concept about DRIs and say 'I don't need to collaborate anymore.'" Building a Culture of Accountability Creating a successful culture of accountability requires clear communication about the DRI role and its implications. Leaders must ensure DRIs are supported while maintaining team collaboration and avoiding the framework becoming overly bureaucratic. The focus should be on enabling effective decision-making and clear ownership while preserving team dynamics. "Consider the skills when assigning DRIs, support people in this role, and remember that DRI is an organizational agnostic framework that adapts to the organizations we are within." Resources For Further Study The Gitlab handbook article about the DRI concept The book: Extreme Ownership by Jocko Willink The Engineering Leader newsletter by Rafa Páez   [The Scrum Master Toolbox Podcast Recommends]

For many first-time buyers, the homeownership dream feels increasingly out of reach, with rising house prices and affordability challenges making it harder than ever to step onto the property ladder. As a result, gifted deposits from family - often referred to as the ‘Bank of Mum & Dad’ - have become a crucial source of support. But what about those who don’t have parental help? From high LTV mortgages to Joint Borrower Sole Proprietor arrangements and Shared Ownership, there are a range of available options. In this episode of the latest Mortgage Insider podcast, host and property expert Phil Spencer is joined by Simon Betteridge, CFO of Kensington and Barclays Mortgages, and Paula Higgins, founder and CEO of the Homeowners Alliance to explore the different types of mortgages designed to help first-time buyers for those with, and without this financial support, including solutions for freelance and self-employed borrowers. Within this discussion, the trio also assess the role of specialist mortgage brokers in guiding clients through these choices, ensuring they find the right path to homeownership and the key trends which are likely to shape the first-time buyer market in 2025.See omnystudio.com/listener for privacy information.

This episode explores how Kelly's customers inspired her to pursue, and establish one of the industries most respected specialist broker firms. Kelly and Rob explore the mortgage market, options available to first-time buyers, and the important roles that both specialist lenders and shared ownership play.

Luke concludes our three part series.

Shared ownership isn't for everyone - but if you're a first time buyer it could be the option for you. In association with Skipton Building Society we share the pros and cons of shared ownership to help you decide if its right for you.  Tune in for: Shared ownership defined Types of properties Pros and cons of shared ownership First-Home Focus is brought to you on association with Skipton Building Society https://www.skipton.co.uk Why not subscribe to receive Move iQ's monthly newsletters, and get his top tips and market updates direct to your inbox. Where else you can find advice from Move iQ You can connect with us on Facebook, Instagram, TikTok Twitter or LinkedIn. We upload videos weekly over on our YouTube channel be sure to subscribe and let us know what you think. If you have any questions for Phil or any special requests for topics to cover on the podcast, then please email us at hello@moveiQ.co.uk.

Guest Podcast Post! Worker Co., MN Ed. Energy for Shared Ownership: Wescom, Inc., Duluth Minnesota businesses face an ownership cliff: 1 in 4 may not survive. Could employee ownership prevent closures and build wealth?

With co-host Stonewater Director of Development Operations, James Bradbury we discuss the new Labour Government plan for housing with guests Anne Costain, Stonewater Chief Financial Officer, Isabelle Kirk, Stonewater Assistant Director of Treasury and Director of Housing and Development at Lloyds Banking Group.From funding challenges, development hurdles and everything in between On the Air brings to light how the sector is placed to support the Governments plan for housing and what we need to help deliver much needed housing. 

Jelena Vucinic: Why Sharing Product Ownership Leads to Better Product Results Read the full Show Notes and search through the world's largest audio library on Scrum directly on the Scrum Master Toolbox Podcast website: http://bit.ly/SMTP_ShowNotes. The Great Product Owner: Sharing Product Ownership with the Team In this episode, Jelena highlights the qualities of a great Product Owner (PO) who excels by sharing product ownership with the team. This PO had deep knowledge of the product but also understood that they didn't need to know everything. By involving the team in product decisions and creating a sense of co-ownership, the team became more engaged and motivated to deliver better results. Jelena emphasizes that this collaborative approach helps the team to fully understand customer needs and take pride in the product's success. The Bad Product Owner: Two Anti-Patterns, The Controller and The Organizer Jelena identifies two common anti-patterns in Product Owners: The Controller and The Organizer. The Controller tries to make every decision, leading to a bottleneck and stifling team creativity. On the other hand, The Organizer focuses more on coordination and administration but lacks a deep understanding of the product. This PO is often disconnected from the team's efforts and the product vision. Jelena suggests fostering better collaboration and encouraging Product Owners to involve the team in decision-making processes, particularly through practices like mobbing, which can help integrate the PO more closely with the team and the product. About Jelena Vucinic Jelena is a self-conscious perfectionist and an everlasting optimist. She is deeply curious about the way people interact. After listening attentively, she likes to ask open questions that often help to reflect and improve collaboration. Jelena believes that every single person makes a difference, and she is dedicated to helping teams and leaders unlock their potential. You can link with Jelena Vucinic on LinkedIn.

Could shared ownership be an option for you? In this part of our First-Home Focus podcast series, Phil is joined by Emma Jaggar to explain what a shared ownership mortgage is and the important things to understand if you're considering one. Emma is a Mortgage Product Specialist at Skipton Building Society. Tune in for: Pros & cons of shared ownership The application process Staircasing explained First-Home Focus is brought to you on association with Skipton Building Society https://www.skipton.co.uk Why not subscribe to receive Move iQ's monthly newsletters, and get his top tips and market updates direct to your inbox. Where else you can find advice from Move iQ You can connect with us on Facebook, Instagram, TikTok Twitter or LinkedIn. We upload videos weekly over on our YouTube channel be sure to subscribe and let us know what you think. If you have any questions for Phil or any special requests for topics to cover on the podcast, then please email us at hello@moveiQ.co.uk.

Leveraging the Power of Syndications  [00:02:20] "I remember when I realized that I was the kind of person that could invest in syndications. It was as if a huge weight was taken off my shoulders because I had found real estate investing as sort of an idea of how can I put some hustle energy in some sweat equity…to be able to fast track and build up my retirement that I've essentially neglected for a decade as a 20-something-year-old who wasn't saving for retirement." [00:29:28] “But with this the sponsor group is doing a lot of that research for you…of course, you should do your own due diligence…they're finding those good markets and those good submarkets. And so, I find it really easy to then diversify across not only different markets but also different asset classes. And so, my portfolio as a whole is a lot more balanced than when I'm doing it on my own.”[00:41:13] “Think of two big misconceptions here. And the first is that you have to be an expert to do this…and that's just not true anymore at all. You can actually educate yourself on this really quickly. And the second is that it's only for wealthy people. There are what's called accredited and non-accredited statuses that we all fall into, and they're essentially wealth thresholds. And there's many loopholes to define these two.”   Learn together, cheer each other on, and pursue financial wellness alongside others who value living life by design. Join for free at https://goodegginvestments.com/invest Now OPEN: 71-unit multifamily investment in Phoenix, AZ https://goodegginvestments.com/north Connect with GoodeggWebsite - https://goodegginvestments.com/YouTube - @GoodegginvestmentsInstagram - @goodegginvestments

Host Simon Double and Phil Boyle have recorded the podcast earlier than usual this month.  Phil looks back at the race performances of his syndicate horses and Simon at the naming of one of his horses.  They then discuss racehorse ownership and pay tribute to the retiring legendary trainer, Sir Michael Stoute. The hosts are joined by special guest, David Letts from Great British Racing, who discusses his role in promoting shared ownership and enhancing diversity and inclusion in horse racing. 00:00 Welcome to Inside the Rails 00:27 Early Recording and Phil's Upcoming Holiday 03:12 Racing Updates: Stryder and Bella Cavalla 06:44 Naming the Massar Two-Year-Old Gelding 08:05 Montassib's Victory and the Upcoming City of Troy Workout 09:59 Sir Michael Stoute's Retirement 11:46 Promoting Shared Ownership in Horse Racing 15:26 Interview with David Letts from Great British Racing 21:52 David Letts on Equality, Diversity, and Inclusion 30:30 Closing Remarks and Farewell   Useful links mentioned in this episode: www.solarioracing.com www.bgracingsyndicates.co.uk www.greatbritishracing.com www.inthepaddock.co.uk www.racingtogether.co.uk/diversity-in-racing/racing-with-pride/   Contact the hosts: Phil Boyle: phil@bgracingsyndicates.co.uk Simon Double: info@solarioracing.com   Follow us on Twitter/X - @InsideTheRails Follow Solario Racing on Twitter/X - @officialsolario Follow BG Racing on Twitter/X - @bgrsyndicates Follow GBR on Twitter/X - @GBRacing Follow Racing With Pride on Twitter/X - @RacingWithPride

Justin Leslie - Head Men's Coach at Midwestern State University 

A LOT of us have the dream of owning our very own home sometime in the future. But sadly, with house prices skyrocketing, that dream for many of us seems almost out of reach.   But did you know that there are other ways of getting onto the property ladder? Well, that's where shared ownership comes into it! To help me cover this very topic today, I am joined with Amy Nettleton from Aster Group and Kelly McCabe from TMP The Mortgage People! Fancy watching the full episode on YouTube instead? Click ⁠here⁠. For more All Things Money, make sure you give us a follow on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and sign up for our ⁠⁠⁠⁠⁠⁠⁠⁠⁠monthly newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠! Fancy supporting the podcast? You can do so ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Housing affordability has plagued New Zealand for decades. What needs to change?

Highlights from this week's conversation include:The Growth and Evolution of Impact Investing (0:47)Misconceptions about Impact Investing (3:34)Impact Investing in Political Climate (7:59)Spring Point Partners' Mission (11:07)Venture Capital and Impact Strategy (12:28)Assessing and Vetting Fund Managers (14:41)Impact Labeling for Fund Managers (16:47)Fundraising Strength and Networked Wealth (19:13)Silicon Valley Diversity (23:03)Shared Ownership and Participatory Investment Models (28:31)Insider Segment: Stock Option Funding (33:33)Climate Investment Opportunities (42:13)Intersection of Planetary and Human Well-Being (44:06)Community Ownership in Renewable Energy (46:04)Industries and Investment Trends to Avoid (49:47)Applying Historical Frameworks to Investing (55:04)Final Thoughts and Takeaways (57:02)Spring Point Partners is a social impact organization that invests in the transformational leaders, networks, and solutions that power community change and advance justice. We do this by: Seeking out and supporting community leaders who have the vision to see what's possible and the drive to make that real.Connecting the experience of partners with comprehensive and flexible supports for shared learning and impact. Investing in innovative ideas and adaptive solutions that can spark and scale change for all. Whether we're partnering on youth development, human-centered learning, animal welfare or water sector leadership or investing in new business models that close opportunity gaps and boost social and economic mobility, we center equity and justice in all we do — supporting individuals and ideas that can have a catalytic impact in their communities and on our society.  Together, let's change the way social impact is achieved. Learn more: www.thespringpoint.com.Vested empowers startup employees to capitalize on their hard-earned equity, primarily by providing funding to help exercise stock options. The company's overarching mission is to democratize access to equity, ensuring that startup employees both understand and have a real chance to tangibly benefit from the shares they're granted.Swimming with Allocators is a podcast that dives into the intriguing world of Venture Capital from an LP (Limited Partner) perspective. Hosts Alexa Binns and Earnest Sweat are seasoned professionals who have donned various hats in the VC ecosystem. Each episode, we explore where the future opportunities lie in the VC landscape with insights from top LPs on their investment strategies and industry experts shedding light on emerging trends and technologies.The information provided on this podcast does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this podcast are for general informational purposes only.

"You're talking about the number one creator of wealth and security for people and one of their most important purchases. And like, how is this not in the employee benefits arena?" - Tommy Shumway For the first time ever, a father and son joined the podcast together. Dave and Tommy Shumway, from CityWorth, joined the show to discuss an innovative, yet somewhat obvious, benefit that they've rolled out for employers to offer their employees: down payment assistance.  We spend a lot of time on the show covering new point solutions that employers can use to offer better benefits to their employees, but the idea of helping employee's purchase real estate has yet to come up on the show. Dave and Tommy are able to offer this benefit thanks to their ability to operate in several states and their experience with doing these kinds of transactions many times.  The approach for employers is simple: offer employers help with their downpayment only after they've worked a set number of years at the company. The benefit is hugely beneficial with encouraging employee loyalty, and as Dave and Tommy shared, homeowners live much more stable lives and are much more productive than renters.  Join us this week on Self-Funded with Spencer for a discussion on home ownership as an employee benefit.  Chapters: 00:00:00 Introducing The Shumways 00:07:06 Financial Struggles in Entrepreneurship and Resilience 00:15:04 Cityworth's Unique Approach To Real Estate 00:22:32 Real Estate As An Employee Benefit 00:24:32 Why Owning Real Estate Is So Important 00:28:05 Down Payment Assistance Based On Employee Loyalty 00:34:55 Shared Ownership for Non-Married Roommates 00:45:00 The Future Of Real Estate Key Links for Social: @SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFunded Listen on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02 Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286 Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/ Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/ Key Words:  #StartupChallenges #CityworthBusinessModel #RealEstateIndustry #MortgageEmployeeBenefits #HomeBuyingAssistance #EmployeeRetention #PrivatePortals #HomeownershipBenefits #RealEstateInnovation #RealEstateStrategies #RealEstateServices #EmployeeBenefits #selffunded #podcast Startup Challenges, Cityworth Business Model, Real Estate Industry, Mortgage Employee Benefits, Home Buying Assistance, Employee Retention, Private Portals, Homeownership Benefits, Real Estate Innovation, Real Estate Strategies, Real Estate Services, Employee Benefits, self funded, podcast --- Support this podcast: https://podcasters.spotify.com/pod/show/spencer-harlan-smith/support

"You're talking about the number one creator of wealth and security for people and one of their most important purchases. And like, how is this not in the employee benefits arena?" - Tommy Shumway For the first time ever, a father and son joined the podcast together. Dave and Tommy Shumway, from CityWorth, joined the show to discuss an innovative, yet somewhat obvious, benefit that they've rolled out for employers to offer their employees: down payment assistance.  We spend a lot of time on the show covering new point solutions that employers can use to offer better benefits to their employees, but the idea of helping employee's purchase real estate has yet to come up on the show. Dave and Tommy are able to offer this benefit thanks to their ability to operate in several states and their experience with doing these kinds of transactions many times.  The approach for employers is simple: offer employers help with their downpayment only after they've worked a set number of years at the company. The benefit is hugely beneficial with encouraging employee loyalty, and as Dave and Tommy shared, homeowners live much more stable lives and are much more productive than renters.  Join us this week on Self-Funded with Spencer for a discussion on home ownership as an employee benefit.  Chapters: 00:00:00 Introducing The Shumways 00:07:06 Financial Struggles in Entrepreneurship and Resilience 00:15:04 Cityworth's Unique Approach To Real Estate 00:22:32 Real Estate As An Employee Benefit 00:24:32 Why Owning Real Estate Is So Important 00:28:05 Down Payment Assistance Based On Employee Loyalty 00:34:55 Shared Ownership for Non-Married Roommates 00:45:00 The Future Of Real Estate Key Links for Social: @SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFunded Listen on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02 Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286 Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/ Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/ Key Words:  #StartupChallenges #CityworthBusinessModel #RealEstateIndustry #MortgageEmployeeBenefits #HomeBuyingAssistance #EmployeeRetention #PrivatePortals #HomeownershipBenefits #RealEstateInnovation #RealEstateStrategies #RealEstateServices #EmployeeBenefits #selffunded #podcast Startup Challenges, Cityworth Business Model, Real Estate Industry, Mortgage Employee Benefits, Home Buying Assistance, Employee Retention, Private Portals, Homeownership Benefits, Real Estate Innovation, Real Estate Strategies, Real Estate Services, Employee Benefits, self funded, podcast --- Support this podcast: https://podcasters.spotify.com/pod/show/spencer-harlan-smith/support

"In this process our team in Italy invented a tool that would have taken 18 months in our traditional model. They did it in 2-3 months. It makes it easy for the patients to keep the two vials and the two syringes, hold them in a little tool that is produced by a 3D printing in the end. It's called froggy because it has a little bit the face of a frog." "The traditional way of management stems from industrial revolution, right? It was all about doing a process in steps and having people work in that process hand in hand so it always passes on, but you needed to define very precisely what each individual was contributing to." "Leadership is needed. Even though you say the decisions are made on the lowest possible level and that's the operating teams really. But you need leadership. You need less than before, but you need leadership." Take my ⁠⁠High-Performance Leader Self Assessment⁠⁠ for FREE. Connect with Nate on ⁠⁠⁠LinkedIn Summary Lars discusses the transformation in leadership style at Bayer, focusing on dynamic shared ownership and its impact on innovation and people. The traditional hierarchical decision-making process in large companies can be slow, so Bayer implemented a new operating model where decision-making sits with operational teams called front runner teams. These teams have more flexibility and autonomy, allowing for faster decision-making. Lars shares an example of a team in Italy that invented a tool to make injections easier for hemophiliac patients, which was brought to market in just two and a half to three months. This new approach challenges the traditional command and control leadership style and emphasizes the importance of outcomes, authenticity, and trust. Takeaways Bayer implemented dynamic shared ownership as a new operating model to speed up decision-making and innovation. Front runner teams have more autonomy and flexibility to make decisions without going through layers of management. A team in Italy invented a tool to make injections easier for hemophiliac patients, which was brought to market in just two and a half to three months. The new leadership style challenges the traditional command and control approach and emphasizes outcomes, authenticity, and trust. Keywords dynamic shared ownership, leadership transformation, innovation, decision-making, autonomy, front runner teams, faster decision-making, hierarchy, traditional management, ownership, outcomes, authenticity, trust --- Send in a voice message: https://podcasters.spotify.com/pod/show/leading-with-curiosity/message

Welcome to Compromising Positions!The tech podcast that asks non-cybersecurity professionals what we in the industry can do to make their lives easier and help make our organisations more prepared to face ever-changing human-centric cyber threats! This week we are joined by James Charlesworth, a seasoned Director of Engineering at Pendo with 15 years of experience in software engineering. James is also the creator of the Train to Code YouTube channel, where he shares a wealth of excellent training videos on software development.In this episode, Say Goodbye to ‘Git Blame': Building Collaborative and Secure Software Development Lifecycles, we dive into some great topics aimed at saying goodbye to the blame game and hello to good app and product sec!James talks us through his process of building up cross-functional empathy between his engineering function and the security team; why the engineering team might not be the best team to speak to if you've got a lot of vulnerable code and a step-by-step guide on how he excels in delivering product security in his organisation.Key Takeaways:Empathy-Driven Collaboration: James emphasises the importance of empathy when aligning priorities across inter-departmental teams. Whether it's engineering or cybersecurity, understanding why people request specific tasks is crucial.Shared Ownership of the Codebase: Forget the notion of “that engineer's code.” James advocates for a hyper-collaborative approach where everyone takes responsibility for the codebase. Avoid the blame game (say goodbye to ‘Git Blame!') and recognise that collective ownership leads to better outcomes.Coding Literacy for All: Should security professionals learn to code? Absolutely! While not everyone needs to be an expert, having a basic understanding of coding helps bridge communication gaps. It enables security teams to comprehend technical issues and collaborate effectively with developers.What is Product Security?: Product security isn't an afterthought; it's embedded throughout the development process. Prioritising security ensures a robust and reliable end product.Learning from Errors: James encourages learning from coding errors early in the software development lifecycle.Cowboy Coders and Robust Processes: James shares his thoughts on “cowboy coders”—those who cut corners.SHOW NOTESTrain to Code YouTube ChannelABOUT JAMES CHARLESWORTHJames is a Director of Engineering at Pendo, where he also serves as the site lead for the Sheffield office. With 15 years of experience in software engineering, he is committed to Pendo's mission to elevate the world's experience with software. An author and public speaker, James is passionate about diversifying the tech industry and actively works to help individuals from various backgrounds enter the field of software engineering. In addition to his role at Pendo, he also organizes the Sheffield AI Meetup, further fostering a community around artificial intelligence. James is not just a lifelong computer nerd; he's a leader committed to making an impact in technology and community.LINKS FOR JAMES CHARLESWORTHJames' websiteJames' LinkedIn

 A shared ownership customer, as well as two of our directors at SOWN, discuss how this scheme is becoming an increasingly popular and alternative way to get on the property ladder.

Online Service Sunday March 10, 2024 Grace Community Church 5102 Old National Pike Frederick, MD 21702 Pastor Jon Keeler-Lead Pastor R Dallas Greene-Teaching Pastor Worship Set List- I Thank God-Maverick City Music Holy Water-We The Kingdom I Choose To Worship-Rend Collective Take My Life And Let It Be-Frances R. Havergal (1874) Remedy-Red Rocks Worship The Lord Our God-Kristian Stanfill Welcome! Thank you for joining us today. Please check out our event on YouVersion to follow along with today's message. Make sure you head over to our website: http://www.gracetoday.org​​​​​​​​​​​​​​​ Email prayer requests to: GracePrays@gccfred.org

In this video, I go through 5 things you should be aware of if you are thinking of buying your first property in 2024 (UK focus). ⌚️TIMESTAMPS 00:00 - Intro 01:02 - LTV & Mortgage Affordability 04:05 - Buying with Someone 07:33 - Negotiate (inc. Stamp Duties) 10:24 - Shared Ownership 11:46 - Rundown Properties & Renovate 13:44 - Being Flexible

Welcome to The Private Equity Podcast! This episode dives into the transformative world of employee ownership, focusing on the Employee Stock Ownership Plan and how it can drive employee engagement and productivity. Guest Daniel Goldstein, former CEO of Folience and an advocate for employee ownership, shares insights into integrating ESOP within a private equity model, fostering workplace culture, and exploring partial ownership benefits.Breakdown:[00:00] Introduction: Welcome to the podcast and introduction of Daniel Goldstein.[00:21] Exploring Employee Ownership: Discussion on the benefits of workplace culture improvement and the contrast between U.S. ESOPs and UK EOTs.[01:13] Daniel Goldstein's Background: Overview of Goldstein's career and his approach to employee ownership within the Private Equity model.[02:08] Employee Ownership as a Continuum: Insights into the relationship between family-owned businesses, employee-owned businesses, and Private Equity.[03:33] Advantages of Employee Ownership: Benefits of aligning employee interests with company success.[04:32] Folience's Unique Model: How Folience operates with a fully employee-owned Private Equity model.[05:55] Growth and Diversification Strategy: The strategy behind acquiring businesses and integrating them into the Folience portfolio.[07:50] Tax Efficiency and Ownership Structures: The tax benefits and strategic advantages of employee ownership models.[08:49] Decision Making in an ESOP: Governance and decision-making within an ESOP structure.[11:10] Shared Ownership and Transparency: The role of shared ownership in fostering workplace transparency and collaboration.[13:29] Employee Engagement Without Full Ownership: Strategies to improve engagement without full employee ownership.[14:27] Liquidity Events and Portfolio Company Sales: Effects on employee owners during liquidity events and sales.[18:18] Implementing Partial Employee Ownership: The potential benefits of partial employee ownership.[24:28] The Power of Incentivization: How financial incentives can drive employee productivity.[32:29] The Silver Tsunami: Challenges and opportunities in the generational transfer of wealth and business ownership.[37:16] Contacting Daniel Goldstein: Information for reaching out to Daniel for more discussion on employee ownership.[38:59] Episode Conclusion: Summary and thanks to Daniel Goldstein, with a reminder on how to reach Raw Selection for hiring support.To connect with Daniel Goldstein, you can visit his LinkedIn profile.Thank you for tuning in!To get the newest Private Equity episodes, you can subscribe on iTunes or Spotify here.Lastly, if you have any feedback on the podcast or want to reach out to Alex with any questions, send an email to alex.rawlings@raw-selection.com.

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Stevie and Tessa are joined by improviser and actor Lola-Rose Maxwell who has just bought via shared ownership. Stevie is interested in the possibility and so asks a lot of questions. There is a quiz involving Ryan Gosling that reveals a lot about Tessa's motivations. A lot of helpful advice in this episode for anyone wondering if shared ownership is for them.Lola's improv show 'The Improvised Play' will be at The Arcola Theatre, London from 5-9 March 2024. For tickets and information head to arcolatheatre.com.Subscribe to the Nobody Panic Patreon at patreon.com/nobodypanicWant to support Nobody Panic? You can make a one-off donation at https://supporter.acast.com/nobodypanicRecorded and edited by Naomi Parnell for Plosive.Photos by Marco Vittur, jingle by David Dobson. Be part of the Nobody Panic Patreon gangSupport this show http://supporter.acast.com/nobodypanic. Hosted on Acast. See acast.com/privacy for more information.

Welcome to This Shared Ownership Thing, a podcast where we talk about all things shared ownership to make your home buying journey as informed and as easy as possible. On this podcast, we'll be bringing you incredible customer stories, debunking common misconceptions around Shared Ownership and speaking with expert voices from the sector, all without the jargon!On today's episode, we'll be talking about why Shared Ownership with Aster could be right for you, and the reason behind our exciting relaunch.www.aster.co.uk/salestwitter.com/Sales_Asterinstagram.com/SalesAsterfacebook.com/SalesAster

Ben Ferguson from Community Energy Wales explains what community energy and shared ownership is all about and how communities can benefit from locally produced renewable energy & infrastructure.

Seye Kuyinu: Shared Ownership of Change, Strategies for Effective Agile Transformation Read the full Show Notes and search through the world's largest audio library on Scrum directly on the Scrum Master Toolbox Podcast website: http://bit.ly/SMTP_ShowNotes. In this episode, Seye delves into change leadership within an organization facing team cohesion challenges. He highlights the initial step of process assessment and the impact of conflicting factions within a team. The breakdown of processes led to differing interpretations of the team's goals. Seye references Arlo Belshee's work in Agile Engineering Fluency (detailed map here), and suggests establishing work agreements, visualizing the change process, and securing buy-in for effective change. He underscores the importance of collective ownership of change and introduces the idea of a team coaching canvas to facilitate progress. The episode emphasizes collaborative change leadership to address team dynamics and process issues.   [IMAGE HERE] As Scrum Master we work with change continuously! Do you have your own change framework that provides the guidance, and queues you need when working with change? The Lean Change Management framework is a fully defined, lean-startup inspired change framework that can be used as the backbone of any change process! You can buy Lean Change Management the book at Amazon. Also available in French, Spanish, German and Portuguese.   About Seye Kuyinu Seye has been a Scrum Master for about a decade now. He first connected to Agile, frustrated with the lack of adequate communication that plagues traditional complex projects. He finds People and Interactions over Processes & Tools cannot be overstated, while seeing that everything is a fractal- our individual, team, organization and societal challenges are the very same. The solution in every layer is the same- an understanding of ONENESS! You can link with Seye Kuyinu on LinkedIn and connect with Seye Kuyinu on Twitter. 

On this week's episode, I'm excited to be joined by an old friend, Joe Curtis. Initially, Joe was the founder of a recruitment company called 3Search, which then led to building a bigger business called 11 Investments. 11 Investments is a series of niche recruitment organisations that work together and share a common goal with a central operational function. Joe's role as founder is to bring more people into the portfolio, both people who want to start their own recruitment company and also people who want to work for the portfolio. He's been responsible for growing the business to 100 people, which they've managed to do sustainably and profitably with a clear plan.In this episode, we talk about:Joe's journey of nine years of growthHow remaining profitable throughout that process is really important. Manyrecruitment organisations don't make any money, and as a result, they suffer in times like thisThe importance of running a business with a clear directionThe debate around working in the office and working from home. 3Search, 11 Investments, and the whole portfolio believe in working together in an office in London three days a week with a little bit of flexibility, and they're very clear on how and why they've built it that waySo, if you are in a position right now where you are feeling that, post covid, you don't really know the best way to run your firm - whether it's remote, in-house, or a combination - then you need to listen to this because Joe explains it perfectly. He's got to a headcount of 100 and they're going towards 200, so there's a lot to learn from this episode.__________________________________________Hoxo MessageAre you spending hours on LinkedIn and cold outreach and want more business coming to you over your competition? Well, if you're the founder or leader of a recruitment agency, here's what we can do for you at Hoxo.We will give you the training, support and resources to take you from what I call an offline recruiter, reliant on posting jobs and sending in emails to open up new customers, ultimately looking like every other recruiter on LinkedIn - to an online recruiter, being seen by over 25,000 relevant people driving a 200% minimum increase in engagement on your profile and seeing daily lead lists from LinkedIn that you can follow up with in six weeks time.And if you don't perform, you don't pay. How can we make such a bold, results-driven promise like this? Two reasons1) Whilst I've been building the RAG podcast, we've actually done what we say we'll do for our clients in less than two years. We built a business generating from zero to over 1 million views per month on LinkedIn leading to multimillion pound revenues with a sales team of me plus two people without making a single outbound call.2) Our track record - not only have we done it ourselves, but we've helped over 350 agencies and over 4,000 consultants do it as well, all in the last three years. Now, if that sounds of interest to you, make sure you fill in our contact form and we'll tell you how we can help: https://bit.ly/3jpuEWa__________________________________________Epispde Sponsor: RecruitHubOur trusted partner RecruitHub helps new founders launch their own recruitment business in the UK, US & UAE. The community is growing rapidly with over 70 founders on the RecruitHub platform.Everything you need to launch your own recruitment business with ease.- Receive 100% of the fees you bill- Own full commercial control of your business and increase its value-...

Steph chats with her co-owners about their shared ranch journey over the past two years. They discuss their successes, like good bookings in June and July, and the challenges they've faced. Ideas fly about turning the ranch into a filming spot, camping spot, or breathwork retreat! Listen in to hear about the balancing act of work and ranch life, and what the future might hold.Get in TouchComments, suggestions or feedback? Email us at podcast@openhouseaustin.coWant to hear more from Open House? Follow us on TikTok and check out our website!Please stay tuned for more episodes every Tuesday, and subscribe so you don't miss them! You can find us on Spotify, Stitcher and Apple Podcasts.Related Resources Connect with a Realtor - Austin-area experts with experience house hacking, buying with friends, tiny home construction, and renovationsCome to our office launch party! Designed by Dani KlarićSign up for our "How to Buy a House in Austin" Workshop (August session) - craft cider and Home Slice Pizza, on us!Buying a House With Friends Mini-CourseFirst-Time Home Buyer Mini-CourseHomeschool on YouTube!!!Take our "Are You Ready to Buy a House?" QuizAirbnb Listing: Steph's Ranch House (Bought by 5+ Friends)Previous ranch episode

The guest on this episode is Kevin Cador who is a Senior Partner at Ingram Barge Company  in Marine Regulatory, Compliance/Audit. Kevin talks about the rich culture of New Orleans and why so many people want to stay or come back after they have been exposed to it. We consider how we can infuse our organizations with a soul like this iconic city. Kevin and I also use the timeliness of the holidays of Juneteenth and Independence Day to dive a little deeper into the meaning of these holidays to start a wider dialogue on the topics of freedom and independence in hopes that we can create organizations, teams, and groups that look to share ownership. Kevin elaborates on the power of sharing ownership and how this powerful concept can help us create unity among diverse groups to have more meaningful collaboration. Kevin reminds us that we can't achieve most things alone and does a great job showing us how to support the people around us. Kevin and I tried to open a dialogue that allows for more individual expression and knowledge transfer so that we can continue this dialogue even further and truly take advantage of the gifts of diversity that we have bestowed upon us. This is just a starting point and we hope to hear from you on this.  For the last 21 years, Kevin worked in the U.S. Coast Guard as a Marine Safety Specialist, focusing on safety compliance, casualty investigations, pollution response, and waterway management. In addition to an Associate Degree in Business Administration, Kevin also has a certificate in Fire Science, and is a Senior at Eastern Kentucky University (EKU), pursuing a Bachelors in Fire Protection Engineering and Safety Technology. In his new role, he will provide leadership and oversight of Ingram's vessels and facilities within the gulf coast region for internal and external regulatory inspections, third-party audits, and post incident visits by various regulatory agencies or other entities.  A New Orleans native, Kevin began and ended his military service there, and feels right at home with the support of our industry's colleagues whom he has worked with in the past. Outside of work, Kevin loves spending time with his wife and two kids, completing home improvement projects and volunteering in his community. He's also an avid Louisiana sports fan and regularly attends/watches New Orleans Saints, LSU Tigers Football, and New Orleans Pelicans games. Resources: The Historical Legacy of Juneteenth - Smithsonian Institution   https://nmaahc.si.edu/explore/stories/historical-legacy-juneteenth  Juneteenth: What you need to know - History Channel (YouTube)  https://youtu.be/MR3WqYI6wco  Karlos Hill & Soraya Field Fiorio - What is Juneteenth and why is it so important TED-Ed (YouTube)  https://youtu.be/lq8TNKZVEWs 

On today's episode we discuss the latest Moonbird's mistake and what that means for the project, Yuga's new big name hire and do the latest of our segment "Buy, Sell or send it to 0" with Easy. Today's episode is sponsored by Segmint, Unlocking Your NFTs Potential. Shared Ownership, Made Simple. ⁠Segmint's Twitter⁠ Tune in live every weekday Monday through Friday from 9:00 AM Eastern to 10:15 AM. ⁠⁠⁠⁠⁠Buy our NFT⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Join our Discord⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Check out our Twitter⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠Check out our YouTube⁠⁠⁠⁠⁠ Give us your thoughts on the show by leaving a rating. -- DISCLAIMER: You should never treat any opinion expressed by the hosts of this content as a recommendation to make a particular investment, or to follow a particular strategy. The thoughts and commentary on this show are an expression of the hosts' opinions and are for entertainment and informational purposes only. This show is never financial advice.

On today's show we discuss Coinbase suing the SEC for regulatory clarity, we dive into where crypto stands in the US compared to the rest of the world, Amazon coming into NFTs, DotSwoosh drop and everything else in between. Today's episode is sponsored by Segmint, Unlocking Your NFTs Potential. Shared Ownership, Made Simple. Segmint's Twitter Tune in live every weekday Monday through Friday from 9:00 AM Eastern to 10:15 AM. ⁠⁠⁠⁠Buy our NFT⁠⁠⁠⁠ ⁠⁠⁠⁠Join our Discord⁠⁠⁠⁠ ⁠⁠⁠⁠Check out our Twitter⁠⁠⁠⁠ ⁠⁠⁠⁠Check out our YouTube⁠⁠⁠⁠ Give us your thoughts on the show by leaving a rating. -- DISCLAIMER: You should never treat any opinion expressed by the hosts of this content as a recommendation to make a particular investment, or to follow a particular strategy. The thoughts and commentary on this show are an expression of the hosts' opinions and are for entertainment and informational purposes only. This show is never financial advice.

In this episode of the Ownership Economy podcast, Martin and Jahed speak with Zoe Schlag, a co-founder and Managing Partner at Common Trust. Zoe has spent her career as an entrepreneur and investor. Prior to Common Trust, Zoe served as an Entrepreneur-in-Residence at Eric and Wendy Schmidt's family office, where she designed and led their Shared Ownership investing. Before that, she was a Managing Director at Techstars, a global venture capital firm, where she led Techstars' first impact fund and accelerator program. In the conversation, Zoe Schlag walks us through her learnings as an entrepreneur and investor and the evolution of her thinking on shared ownership. The conversation discusses in detail the concept of Employee Ownership Trust and Purpose Trusts, an entity type recently used by the founder of Patagonia to transition his company to steward ownership. As always, if you like the episode, please subscribe and rate us.

In this episode of On Just Terms, Jason Betts is joined by Cain Jackson Partner of Wotton Kearney and Paul O'Brien Director of YPOL. Together they discuss the growth in class actions and its impact on insurance markets, as well as the ESG exposures shaping the next chapter of risk. From the impact of litigation trends on insurance markets, through reconciling individual stakeholder interests, and how consideration of corporate culture may be being overshadowed by climate concerns – this conversation explores what's keeping directors awake.

In a cost of living crisis, could shared ownership (part renting, parting buying) be the solution for young people looking for affordable home options? Leave A Review  *If you enjoy the Podcast, show your support by writing a couple of words in a review. Follow the link below:https://podcasts.apple.com/gb/podcast/the-art-of-money-saving/id1508117788Airtime Rewards (Passive Income - Save Money Off Phone Bill)Download Airtime Rewards for free with my code C4UW7F9N and save money off your phone bill every time you shop with brands like Boots, Greggs, Wilko, Argos and loads more: https://airtimerewards.app.link/QoBfvw0BipbShopmium (Free Can Of Pringles & Weekly Deals)Hey, how about a FREE can of Pringles? Just download the Shopmium app and enter my referral code he5n8u

Are you self-employed, and ever wondered whether or not you will ever make it onto the property ladder? Well, I certainly have, which is why I am joined with Emma Abrahamian, also known as Video Editor Em this week to delve into her property purchasing journey as a self-employed business owner! To check out Emma's amazing work and video editing services, click here. To learn more about Shared Ownership, and how it works, tap here. For more All Things Money, make sure you give us a follow on Instagram, Twitter and join our growing Facebook Community! Fancy supporting the podcast? You can do so here.

This week, we have Sam pull up his chair and talking to us about a less traditional route of getting on the property ladder - Shared Ownership. Is this a topic you are familiar with? Did you buy via Sharwed Ownership? What was your experience like? Tell us in the comment section!

Proudly brought to you by All About Sunday, Kalooki Sportsbook and Spotify, Emmet Kennedy is joined by leading Syndicate Manager Sam Hoskins, who speaks candidly about resigning from his role as Director of the Racehorse Owners Association which he tells us is "run like a dictatorship". He speaks passionately about the importance of Syndicate Ownership being supported in the UK and how - despite countless efforts - it appears the ROA have little interest in supporting Shared Ownership. So what does this mean for the future of British Racing and what can be done to encourage the ROA to actually support Syndicates - like our Partner All About Sunday - and investors in Racing. Sam also drops some bombshells as he doesn't hold back, in a must listen exclusive interview! Show Your Support for Independent Media, The FFP Needs Your Likes & Shares on Twitter, Instagram or Facebook

Michael Chasnoff is the founder and CEO of Truepoint Wealth Counsel, an independent fee-only RIA based out of Cincinnati that oversees $4.5 billion in assets under management for 750 households. Michael has grown his firm completely organically by focusing on working with business owners and executives—and scaling his team by offering a distributed ownership structure with a broad equity participation plan. Listen in as we explore the unique structure that he has built his firm around, becoming a one-stop shop for clients offering both financial planning and in-house tax and estate planning advice. You'll learn how he sells off his own founder shares to select team members to buy into company equity, as well as how he grew his firm entirely organically by focusing on working with business owners and executives with an average of $6 million in AUM, leveraging his expertise, establishing relationships with centers of influence, and becoming an active participant in industry organizations. For show notes and more visit: https://www.kitces.com/275

For many practitioners, the responsibility of maintaining business operations in a crisis falls squarely on their shoulders–if something goes wrong, it's on them. But, what if there's a better way?For Scott Baldwin, Head of Enterprise Resilience at Netflix, that “better way” is to transfer responsibility for the organization's resilience to the actual stakeholders. The business continuity team then becomes a resource to train and equip the stakeholders, instead of begging them to participate.In this episode, Scott joins host Cheyene Marling to share the lessons that led him to this approach and breaks down how you can begin to look at business continuity in a different light–achieving traditional directives without getting bogged down in traditional methods.Related Resources:Executive Support AmplifierBusiness Continuity [Re]Vision Builder

Shared Ownership, is a scheme that is designed to help buyers onto the property ladder that little bit quicker. But, just like everything, Shared Ownership has its pros and cons. Because of this, I am joined with Anna, founder of Panda Boss to discuss the pros and cons of Shared Ownership, which should hopefully help many of you make an informed decision about the scheme! For more All Things Money, make sure you give us a follow on Instagram, Twitter and Facebook! Fancy supporting the podcast? You can do so here.

Simon, or Sv2, introduces the JPEG Vault project which gives users fractional ownership of blue chip NFTs

In this episode, Dan Albert (Executive Director), Lily Liu (President) and Mable Jiang (Board Member) discuss the role of the Solana Foundation in advancing the Solana protocol and ecosystem with support and initiatives around the world. Austin Federa (Head of Communications, Solana Labs) guest hosts. 0:43 - Intros / Roles3:13 - The appeal of working at the foundation level07:48 - Establishing scope for the foundation12:42 - What's working in the ecosystem?20:01 - From the ecosystem to the foundation21:21 - Growing Solana in new markets33:50 - Shared Ownership of the network36:21 - Predictions for 2022 in crypto and web 3.0DISCLAIMERThe information on this podcast is provided for educational, informational, and entertainment purposes only, without any express or implied warranty of any kind, including warranties of accuracy, completeness, or fitness for any particular purpose.The information contained in or provided from or through this podcast is not intended to be and does not constitute financial advice, investment advice, trading advice, or any other advice.The information on this podcast is general in nature and is not specific to you, the user or anyone else. You should not make any decision, financial, investment, trading or otherwise, based on any of the information presented on this podcast without undertaking independent due diligence and consultation with a professional broker or financial advisor. Austin Federa (00:10):Welcome to the Solana podcast. I'm Austin Federa filling in as guest host today. We spend a lot of time on the show talking to founders and builders in the space, people building on the Solana blockchain or otherwise involved in the Solana ecosystem. But today we're actually going to be talking about a different component, which is the Solana Foundation. Today with us, we have Dan who's the executive director of the Solana Foundation. We have Lily, who's the president of the Solana Foundation and Mabel, who's one of the board members of the Solana Foundation. Welcome to the Solana podcast, guys.Lily (00:39):Thanks for having us.Dan (00:40):Great to be here.Mabel (00:41):Thank you.Austin Federa (00:42):All right, Dan, let's start out with you. Tell me a little bit about what the Solana Foundation's role is in the ecosystem.Dan (00:49):Sure. The foundation is really here to help foster the growth of the Solana network and really the Solana ecosystem kind of in broad strokes at the highest level, what can we do to make sure that the Solana network continues to grow in the most kind of sustainable and decentralized manner as possible? And how can we provide resources and help the community grow to onboard the next or the first billion users to the Solana ecosystem and crypto in general?Austin Federa (01:24):Lily, what attracted you to the Solana Foundation? And how did you get involved in it?Lily (01:30):Well, I've been in the crypto ecosystem for a little bit and I must confess that in 2018, 2019, I actually spent a good bit of time being a Bitcoin maxi. And then I even was part of Little Bitcoin Book and which is not to say, sometimes I feel like people in crypto are a little bit maybe too tribal, which is not to say I don't love Bitcoin. I still consider Bitcoin to be king. But when I took a little bit of time out of crypto, when I came back to crypto, I started just using a lot of the apps that had sort of emerged out of DeFi Summer and I was totally floored by using Raydium in April. I really could not stop talking about it for just about a month because it was very squarely Web 3.0 but it felt like Web 2.0 and it was just so obvious to me at that moment that this was going to be how the next billion people, if we were going to get a billion people into crypto, anytime soon it was going to be on Solana.Solana to me is just such a unique combination of being technically so innovative but at the same time, really understanding that to bring people into the ecosystem, it has to be a good experience. And sometimes for your end user, it really just is as simple as saying, "It's fast and cheap." And that's why ethernet is just better than 56K modems. And sometimes it just has to be that simple to the end user if you're going to appeal to a billion people.Austin Federa (02:48):Yeah, I completely agree with you. There's been so many of those moments I've sort of heard over the last year of people just trying something on Solana and having this experience of, oh, it just works. It's fast. It feels like a Web 2.0 application but it's delivered in a fully decentralized way. Just based on that, what was the decision in your mind to, tons of people have that experience, they go build something, they go work for a company building in the space in terms of a service provider company. What was the sort of appeal of something that's more at the foundation level?Lily (03:19):To me, I think that, I come from a background where I spent a lot of time, I originally started working in more traditional industries. I worked in McKinsey, I worked at KKR and I kind of fell into Bitcoin back in 2013, 2014, which at the time was not a very obvious thing to do. And so for me, I think one of the things that I maybe add to the ecosystem is helping run effective organizations and thinking about sort of how to scale a commercial kind of go to market strategy and having been in the ecosystem for a little bit. And so for me, what's always attracted to me to crypto and Web 3.0, is these kind of new ultimately end user experiences that you enable for, not just those of us who've been kind of nerding out over technical sort of minutia left and right but really making that accessible and available.Lily (04:17):Some of the things that I'm really excited about facilitating through the foundation is kind of new markets growth outside of the US, outside of Europe, outside of the parts of East Asia that are already very familiar with cryptocurrency. And to me, it's so clear that if these types of applications, call it DeFi or sort of more metaverse or social or NFTs are going to take hold, then it's most likely going to start on Solana first. And so just being a part of that and sort of making that more accessible to a broader rate of people is really what's exciting to me.Austin Federa (04:51):And Mabel, you tell us a little bit about your path to becoming a board member at the Solana Foundation.Mabel (04:57):I think among all the people here, I probably joined the board the earliest. I joined when the board started, the foundation started. That kind of history just goes back to when I think before the token launch of Solana happened to that Anatoly and Raj, they were in China and in East Asia. And then that was even before my time joining Multicoin. I met them, obviously at that point it was 2019 and then it wasn't really easy to raise fund for sure. But then we kind of just happened to hang out a lot in Shanghai, in Seoul. I think another places like Beijing and whatever. And then we spent a bunch of time over those three weeks and then talked about, oh, how do I think about or how do we usually think about go to market strategies for public chains? And then how do people really differentiate one smart contract from the other?When they go back to San Francisco, they ask, "Can you maybe write us some sort of expansion or kind of go to market plan for Solana in East Asia?" And I did that. That was right around the time when they're forming a board for the foundation. And then, that's also around the time when I joined Multicoin. They invited, it's like since you're part of the ecosystem and then you are pretty unique kind of position compared to some of the other board members, are you interested to kind of help Solana Foundation or raising the Solana awareness in a global sense? I was like, oh, that was really interesting in a differentiated way to contribute to the ecosystem so I said, yes.Since then, that was start of 2020. Since then over now, I've been doing quite a bit of things, always related to those lines, raising the awareness for Solana in China specifically because that's where I'm sitting. And also in some other places in Asia and also try to just kind of talk to different projects in multiple different ecosystem. And obviously now it's a multi chain world and then people would have different trade offs, like when to choose different things. But when they learn about Solana and learn about why they're optimizing certain things in the design, they're always willing to try it because back in 2020, there aren't that many people know about it. I think the first step really is just to having people understand how the system works and whatnot. I've been doing quite a bit of those. I think that's kind of my experience involved with Solana Foundation.Austin Federa (07:31):And Dan, as you kind of think about your role as the sort of executive director at the Solana Foundation, how do you define scope for an organization like that? What are the sort of things you're thinking about when you're thinking about initiatives that the foundation is engaging in or things the foundation is not doing and shouldn't be doing in your view?Dan (07:52):Yeah, that's an excellent question. Really, I see it as two primary areas of focus with kind of the overarching goal being broad growth of the network and the community itself without an eye towards turning a profit for the foundation. This is a nonprofit organization. We're not taking any equity investments or really taking the position to be picking winners. There's plenty of incredible innovation that's happening on Solana, lots of competing projects, lots of new stuff. And the foundation really wants to position itself to support, really talking how to provide support equally for everyone in the ecosystem. And so one of the primary thrusts, one of our main operational kind of focus points these days is really on growing the network itself from an infrastructure standpoint. That's really been my personal area of focus for really a long time now is how can we get the most number of high quality validator operators, the most humans running the most number of nodes, be it validators or RPC nodes, which serve as the API endpoints or API gateways for applications using the Solana network?And to that end, the foundation has rolled out a number of programs, really leveraging kind of the foundation's holdings of tokens, which are really allocated to grow the community and grow the network. Kind of as I see it, I don't know, maybe a bit of a personal tangent here. I originally started engaging with Solana in early 2019. I was working on the engineering team at Solana Labs and it was early stage startup. We hadn't even launched the Testnet yet, just kind of scrappy early days, trying to get everyone to understand and hey, proof of history is a real thing. We're really going to prove out this tech. And one of the things that was really hard was trying to get people to run validators. A lot of our early stage validators that helped us launch Testnet for the very first time and get Mainnet off the ground were a lot of them came from the Cosmos ecosystem.And so, we have a lot of these kind of OG longstanding validators who really helped get the Solana network off the ground came from standing on the shoulders of giants. The Cosmos ecosystem brought so much innovation to the proof of stake universe and kind of where this ties back to, in early days, myself and a couple of the early labs employees in true startup fashion, we were actually working out of one of the co-founder's basements and we hand built some of the first bare metal validators to run on the Solana network. Ordering parts on the internet, showing up in a bunch of boxes and just going forward kind of hacking on the hardware, trying to see how much performance we can squeeze out of these individual machines.We went and installed them in a data center here in the Colorado area and those nodes are still running today. Some of them are pointed at Mainnet, some of them are Testnet. And that was sort of the, I don't know, the genesis of, at least for me personally, a lot of my personal investment in seeing the growth of the validator ecosystem on Solana, having kind of physically hooked up and bootstrapped some of the first ones. And now having transitioned earlier this year to take on this role at the foundation, we maintain a program for anyone who wants to run a validator, can engage with tier one data centers all over the world that the foundation has. We've really kind of went to bat for our validator community and helped a lot of these infrastructure providers understand that, yeah, it takes a lot of horsepower to run a node on Solana and it can be hard to get your hands on some of these machines.And so in working with some of these execs at some of these older school, I'll say more traditional telco or infrastructure oriented companies, helping them to understand the value of what a powerful and secure and distributed Solana infrastructure ecosystem looks like, that's really been an exciting kind of growth track, I think for the foundation in helping to bring more hardware online and helping more people to learn to run it and get more nodes running and keep the network flying.Austin Federa (12:16):Yeah, I love the parallels to the Cosmos ecosystem being a validator ecosystem being early, early supporters of that because of course, Tendermint is also notoriously computationally intensive and runs better on bare metal than cloud so it seems like a very natural validator group to bring over in the early days.Lily, from your view, as looking over the ecosystem, what are the parts you see that are working really well in the Solana ecosystem? What do you see are areas, be it tooling, Dan talked a little about infrastructure, areas in which the foundation can make a difference in help evolving?Lily (12:53):What I think is going quite well right now is a lot of the interest in the energy and kind of the inbound on various stakeholder groups within the community. I think there's a lot of excitement from a general audience also because it's very accessible to a general audience. Again, as we were saying earlier, if it costs dollars versus hundreds of dollars to mint an NFT, that's a very meaningful difference to many people. I think general awareness has been amazing. I think there's a lot of increased developer interest and accessibility. And if you look at sort of the hackathons that we've had, probably every two or three months, three or four months in the ecosystem, the number of sort of people who are new to Web 3.0 that are starting with Solana, I think is really impressive and has grown tremendously in a very short period of time.We want to continue to extend that in various ways. And we've got a number of ideas as to sort of increasing the accessibility to even a retail audience, putting out sort of better documentation, better tooling to continue sort of onboard both maybe existing Web 3.0 developers who might be building in solidity or on sort of an EVM type environment. As well as, increasingly there's pretty substantial influx of folks coming over from Web 2.0 and thinking about where to get started and are starting off by making choices between essentially now it's really solidity or Rust and Rust, implicitly sort of Solana. And so I think that we can continue to invest in various ways of sort of helping people start within the Solana ecosystem. And I think that because Solana has grown so quickly in a very short period of time, there are also sort of ecosystem tools that are catching up right now.One thing that we hear a lot about is kind of indexing within Solana is something that we can probably improve as a community, data analytics on Solana, given that a lot of the applications are very sort of more consumer retail audience oriented is something that I think is also, actively being worked on. And so those are of the sort of near term things that people are thinking about. Obviously with the pretty tremendous growth of the ecosystem, also making it easier for people to run nodes, have access to baseline infrastructure. That's also something we've invested tremendous resources on through data center partnerships and it's known that Solana some higher hardware requirements but we've invested a lot to try to take down those various barriers. Those are some of the things that we've been thinking about.Dan (15:38):Yeah. And I would actually just kind of add to that. Some people do like to kind of harp on the interesting hardware requirements or high end hardware requirements for Solana. In the broad scope of things, when kind of the history is written about at these sorts of things, it's like, this is going to be something that's in a number of years or maybe even just a couple years, it's going to run on whatever machine you want to plug in to your home. We do have some validators that are running infrastructure out of their home. Some people choose to run in data centers. Some people do, God bless them, choose to run it in the cloud. But I think to Lily's point regarding the incredibly rapid growth of the Solana ecosystem, I think one area where we're really starting to dedicate more resources, particularly me personally and from the foundation side is on helping more people understand what Solana infrastructure really looks like.We've seen Tremendous resources and the developer relations team has put out incredible resources for new developers for Web 3.0 but the kind of tooling and community knowledge base of what does it take to run a good validator? And what does it mean to run a validator? Why should I care? I think it has a little ways to go in sort of advancing that narrative a little bit. In particular to lower the barrier to entry from, oh, you must be a sysadmin or a DevOps expert to, what I'd really love to see is all of these Web 3.0 teams and Web 3.0 app developers who are having a great time enjoying Solana and building on Solana, also participate in running the network that they so appreciate. I'd love to see more community buy in of teams that are vested in their project being built on top of a working Solana to help Solana run.What we've seen, even in just the last couple weeks or so, a number of these sort of NFT based Dow communities that have popped up on Solana over the last six months or so have started really taking this message to heart and are launching their own validator, which is just really cool to see. I know, I think Monkeydow claims the title of first Dow to launch a validator on Solana. I know the Degen Apes and the Degen community have also launched. And so it's just really cool to see these communities that really organically popped up around people enjoying NFTs and collecting these cool RNFTs that kind of blew up on Solana this summer now really starting to take a stake in the consensus and ownership and management of the network itself. And so I'm really excited to see that to start happen and really something I want to hope that the foundation can foster. And it's just something I also am excited to see the community really kind of taking it into their own hands more.Austin Federa (18:39):Yeah. I kind of love that, that it's so easy, even a monkey can do it. Is kind of the tagline there.Dan (18:47):It's perfect.Austin Federa (18:48):And the other, the Degen Apes, which are famous for having probably the least technically successful NFT launch to ever have been done by any organization have now their own validator. It's a good testament to how far we've come.Dan (19:02):It was incredible. It was such a struggle. There were all sorts of technical issues, like with the Metaplex standard had recently rolled out. They had various challenges with the mints and it was this saga that we all kind of watched unfold on Twitter and on all these channels over a number of days. And I got to give them credit. There were frustration, there was joy, there were tears. And it came out with one of the most unique, strong, enthusiastic communities on Solana having kind of gone through the fire of this rocky birth that was the minting process. More power to them. I just thought it was just so cool.Austin Federa (19:48):Yeah. I love how that all gets constructed. Kind of, along those lines, you Dan, you came initially from Solana Labs, you were one of the early engineers in the ecosystem. You're now working at the foundation. What's that transition been like? How closely do you still work with people like Raj and Anatoly? What's that relationship like?Dan (20:08):Yeah. I think the working relationship it's really interesting. There has been obviously, Solana, the whole network was built and originally launched, all the code came out of Solana Labs, where Raj and Toly run the organization. And they're obviously major players in the Solana ecosystem. This is the vision and the hustle that they've really brought to the table has been instrumental in kind of getting the whole community and the whole Solana ecosystem and the tech stack to really where it is today I think. Where we relate from the foundation is as sort of industry peers, I would say, sure, I talk to Raj and Toly, I talk with a lot of the ecosystem teams, I talk with our board and Lily and so many people that have an interest in Solana's success on the broadest terms and that's to really what the foundation is here to foster. As we continue to grow and expand and evolve our kind of working relationships with a lot of these organizations, I think just continues to evolve and expand.Austin Federa (21:22):And Mabel, looking at, you mentioned a bunch of the work you were doing was helping grow Solana in new markets. Can you talk a little bit about that? And I think, a lot of people, especially who are not working in the region, there's a lot of information around whether cryptocurrency is going to be banned in India or China, sort of how do you view some of those approaches?Mabel (21:44):Yeah, definitely. I'll answer the first part of the questions. I think it's going to be pretty much the same line as what Lily and Dan just mentioned but I'll kind of carve out those into details. I'd say, at the beginning you are also, you definitely need to engage a lot of these staking facilities but these people here it's quite differentiated because many of them are running the mining pools, meaning the proof of work mining pools. I remember back in the days, in 2019, 2020, we were talking to a bunch of those and happened to be that a lot of those are just crashing their wifi in the office. It's pretty funny. But at the same time, Dom who's from Solana Labs, we're trying to age of all of these mining pools and then we're just giving out some of those GPUs.But I think that's in the past. Now a lot more validators are actually starting from East Asia. I think there's some problem with in the past, with your location being far from the US so that's it's harder because Amazon cloud and whatnot but I think basically there's what Dan mentioned earlier, I think this will be a problem that can be solved in the future. I thought that was a pretty interesting thing to bootstrap at the beginning. And then the other things like wallets and non-custodial wallets, custodial wallets, because I think for East Asian crypto, you can never kind of ignore the centralized parties and players, especially I think in the past 24 month all the way till the next 12 month or whatever. I think a lot of those custodial wallets, including some of those exchanges, it was a lot of very pivotal work to try to engage them to support Solana, to support STL, USDC, USCT and a lot of the other stablecoins. I think, those steps that we were able to achieve in the past year in order to get a lot of these centralized exchanges to support those, I think that's also pretty interesting.Mabel (23:50):I think the other thing is that you just generally need to go to wherever because like back in the days in 2 18, 19 and 20, not that many groups are fully aware of how Solana works or even if it's like in Rust, I think people here I'd say safely were more familiar with things like Polkadot than Solana back in the days. Talking to some of those developers and just telling them, there's a few different options and then go to some of the hackathons or just developer meetups or even just the Rust China conferences, and then to promote about it. Justin Stery, he spoke there. A lot of these engagement opportunities definitely helped over the past two years for Solana to really get the writers here.I think that work still continue. And I think I believe that there will be a lot more application focused developers coming over, given from the history of Web 2.0, you see a lot of your infrastructure was built in the West but then application wise actually quite a few of them came from the East. I think, for Solana, for anything that's building on top of the smart contract platform, we could probably spec on the same track. You'll see a lot of people are going to build on top. Now once all of these are available.I think one interesting thing is that for things like wallet, you have Phantom for browser because I think in the West, people are pretty used to using browser wallet but I think here in the East, you also need something that has really good user experience and people like to go mobile first. And that's why Slope Finance, which is one of the leading mobile wallet for Solana in China, they were doing really well because they understand the user behavior and all of those to deliver to the specific audience. I thought this is like quite interesting how you will need to focus on specific areas, the same thing for East and West but then you want to make sure that people get to have the best culturally fitting choices for them so that way you can actually get it around.And then to answer the second part of the questions, so I actually the other day had a tweet about similar lines. There's a lot of Web 2.0 venture capitals and then some of the other funded funds, they're trying to deploy money and then we're asking it's still East Asia or some of the other places around still relevant because of the policy. The way I read this is that crypto is really global. I understand that there's certain restriction for developers to issue cryptocurrencies in China or in some of the other countries. However, I think the language circle and then user behavior, what I just mentioned was always going to be something more pivotal than the actual restriction. These people will move to somewhere else in Asia but they will continue to build. And then for people who want to use the kind of user experience for those products who are sitting here.I think crypto liquidity is global but user experience is always regional. And I think, if you're growing an ecosystem, you can't ignore that. I'd say I'm still bullish. And I think people are recognizing some a lot of those things are just better built on Solana because it's higher performance. And then at the end, it's just about how you make sure that you are compliant to the place that you are at. And then not definitely go with the compliance part but then also not hindering yourself building.Austin Federa (27:23):Lily, Dan, do you have anything to add on growth in new markets and that process?Lily (27:29):Yeah. On new markets, we started to invest in building out the ecosystem in India, back in June and July. And it's no secret, there's extremely large both user bases and also developer communities. I think in the most recent hackathon, after the US, the second largest contributor of developers, developer submissions to the hackathon was from India. And I think Indonesia was in the top four as well. And so I think as we continue to look to Eastern Europe, for example, Latin America, Africa, some of the early narratives as to what applications would be unique and sort of the 10X type of functionality on crypto, have been talked about and written about for years, if not decades. And for example, payment applications Which become supercharged when you take DeFi functionality, global liquidity pools and they make that adjacent to an actual you potentially consumer transaction.And I think that that to me, it's very clear that that's going to happen on Solana first. And so, what I'm particularly excited about is some of those seemingly sort of everyday type of transactions but those actually becoming very unique when you, for example, can take a stablecoin and have a Venmo feeling type of transaction or a WeChat pay feeling type of transaction but it's actually fully decentralized, fully on chain and also comes with a potentially a suite of financial services that are kind of baked into the ecosystem adjacent to that. I think those are the types of things that are going to resonate hugely in emerging markets, in new markets. And those are some of the things that I'm excited about maybe exploring in new markets.Austin Federa (29:10):Yeah. I do love how sort of culturally infectious the crypto mindset is. That to use a network, you also have to be an owner of the network and that the success of the network and the success of you as a user are tied in a way that they're really not in the setup of a stock corporation or something along those lines. You can sort of think of these things in some ways as giant digital co-ops that are all working towards this goal. It's really interesting to kind of hear that. And I'm really curious to see in the future, how that starts influencing culture. I think we're already seeing crypto just barely start to influence culture and that might take off a bit in the future. Be interesting to see.Lily (29:54):I think it is. And I think what's under the surface with crypto but what rapidly rises to the surface is that it's been talked about, written about philosophically for a very, very long time, this whole idea of a veil of ignorance, that your opportunity set is determined in large part sort of where you're geographically born today, rather than you know who you are as a person and what's in your heart and what's in your mind. And with crypto, you sort of have this radical accessibility. It's almost sort of radical equality if you will, in a way that we haven't really observed in a long time. And so I think that's really upending in so many different ways and that for me is a big part of why I continue to be interested in cryptocurrency. And also why I think Solana is really going to be at the forefront of that because all of those sorts of ideas, the accessibility, the sort of the very concept of why Web 3.0 is important and where people are most likely to get started on that today is the sort of general awareness funnels.People will hear about Bitcoin. They'll learn about Bitcoin. They'll learn about store value and people will resonate with that. Your average person will resonate with that because it sounds so much like digital goals. But then once they start to learn about Bitcoin, they're like, okay, I've bought it, I get it. It's kind of like gold for the digital age. What's next? Well can I do DeFi on Bitcoin? Eh, no, not really. Lightning, we've been talking about it since 2015. Soon.And then very quickly from there, people move on to, okay, well here, well that's really amazing. These sort of new applications. And I have some friends who bought NFTs and then they click a button and it's a $100 later. Gosh. Oh, that was painful. And I think that's kind of what a number of people have gone through so far. And so people sort of get onboarded to why this is important, why this is really sort of very exciting and part of the future. And then eventually what I've seen is so many people sort of end up with being in the Solana ecosystem. I guess what I'm excited about is accelerating that and maybe making it a little bit less of a circuitous journey.Mabel (31:59):I have a story to share related to what we were talking about here. I think, I now all of these protocols are starting to talk about Shopify type of experience, which is you have an underlying protocol and then you just have different ends. You just host a different way. It's actually not just for the cultural purpose. One story was shared by Roneil who's the co-founder of Audius, last week with me. He was saying that he realized because Audius is actually not, I think the main front end was not allowed in China at some point but then somebody actually set up a separate front end that's actually and filter out and then based on whatever the local compliance should be let a whole thing run. That front end actually works.He was exactly kind of explaining to me how he was amazed by Audius should be the underlying protocol and then it should be determined by the front end itself on the ground, what to feature versus not. And everybody can have their own choices. That's a freedom choice. Nobody's going to question that. I thought that was like really amazing. It's definitely beat beyond just kind of I think this is really relevant to what we were talking about earlier because I think for Solana, it's the same thing, a lot of the things. It may not be compliant for a certain reason in the region but I think at the end it's about the front end. It's not about the protocol. The protocol should be permissionless. Anyone else can just do whatever they want but for the ones that you want to make it work for a certain region, you can just do that. I thought that was really, really amazing and very unique about crypto.Austin Federa (33:30):Yeah. I love that, that sort of view that because of the financial incentives with crypto, you can decouple the application layer from the protocol layer, that those two things can be separate. This is in some ways, this is the dream of Twitter. We had this glorious few years where there were all these Twitter clients and then it all got, because the app engine was introduced, it all got consolidated down to twitter.com and the Twitter mobile apps. And RIP all of our favorite Twitter clients from back in the day. I love that, that the way this technology is built, it allows you to really separate those two things at origin, as opposed to having to think about the business models that support that over the long term.Dan (34:09):I would actually add, I think there's interesting things happening, both in the decoupling of that, like you said, the application and the protocol there but also an interesting sort of coupling there kind of to Lily's point about this shared ownership of the success of the project. And that's really this kind of shared ownership of the network is really the kind of core underpinning, this core idea that underpins this idea of staking on a proof of steak network. Which is your success is tied to the success and this really the security of the network. And what we're starting to see now are applications and DeFi applications, particularly stake pools that have recently launched on Solana that really bring the ability to participate in the shared security and shared ownership of the network to the application layer.There have been a bunch of community launched stake pools. There's some private stake pools. The foundation is in the process of transitioning its entire treasury over to stake pools, which are really this, I think we did a whole podcast episode on this recently so I won't belabor the technical details here but basically it gives people an easy way to enter and exit from a liquid position, which is actively helping to secure the network via staking to various validators in the underlying smart contract. But what I think is really interesting about this is we're starting to see these public stake pools that pop up, Marinade Finance, JPool, Socient, Lido and a few others that are really bringing the application experience, that really slick, fast, fast and cheap promise of what does it feel like to just use a useful service built on top of Solana and oh, how cool that a normal user can transact in these stake pool tokens rather than unstaked SOL.And I think we recently saw the first, there was an NFT sale or an NFT mint that was accepting stake pool tokens, a staked SOL positions, rather unstaked SOL. So we're starting to see this adoption of people who are not only just developing apps and playing around on the application layer but also recognizing that there's tremendous value in sort of moving the denominator of how we transact value on Solana to be pegged to the participation of securing the network itself.Austin Federa (36:40):Yeah, that's a really great point. Looking forwards, Looking into this year of 2022, what are the things that you see in Web 3.0 and crypto that have potential that could become trends that are going to advance and increase? I'll kind of start out. One of my big ones that I think is we're going to see a lot of the sort of tech-ish companies adopting decentralized Web 3.0 technologies as a competitive advantage to compete with a lot of vertically integrated companies. I think you're going to see a lot in payroll. You're going to see a lot in merchant payments, concert tickets. These companies that don't have platform scale are going to look to Web 3.0 as a competitive advantage. And you might see that role into the rest of the ecosystem. Dan, I'm curious kind of what your thoughts are. And we'll just go around the room here.Dan (37:30):Yeah, I think your spot on there, Austin. And I think one of the things that's really going to help unlock that is these sort of higher levels of abstraction of developer tooling and more sort of almost enterprise API access, if you will, to provide a more Web 2.0 like interface experience that someone could just plug in and it's Solana as a service. There's your SaaS for 2022 and it's instant settlement in stablecoins on Solana but no one needs to worry about the fact that it's a stablecoin on Solana. It's they integrate this API and the money transfers or the token transfers from merchant to customer or vendor to seller, whoever, immediately. I think that starting to see people using crypto and using blockchain without realizing that they're using a blockchain technology.Austin Federa (38:22):Lily, what are your 2022 predictions?Lily (38:25):I think industry wide I'm with you that Web 3.0 is going to become the starting point rather than sort of the periphery. I think that we're well on our way where Web 3.0 is going to sort of foment this decentralized center. And I think that there's a few things that are sort of going to happen alongside, in my perspective. One is this kind of movement towards multichain slash interchain future is just accelerating. I think that there's a few sort of different consolations within the ecosystem. There's clearly sort of the EVM world which we're going to have a connection to through Neon EVM. There's a lot of sort of obviously energy within Solana. There's some other, IBC, we talked about Cosmos a little a bit is probably another sort of approach within that and then connectors within these.And so I think there's various foci that are going to emerge there and increasingly there is going to be sort of those sort of layer ones are actually, I think, going to be abstracted away over time as they probably should be when you talk about sort of appeal to your average person. I think that another theme that I see emerging is as more institutions want to get into this and compliance with existing regulatory frameworks, institutional KYC and tooling to allow institutions to participate in decentralized liquidity pools, which I think is going to be pretty exciting. And so that's where the existing world is actually going to start getting onboarded in earnest into Web 3.0. That's going to be quite interesting.I think with that, there's a big theme around a sort of identity and privacy and on chain identity and having a little bit more control over your data on chain is another big thing, the theme that's going to evolve. And then, certainly in a consumer area, I think that NFTs went from being a very analog sort of digital representation of physical art and have now morphed into basically being the entry point into sort of Web 3.0 communities and metaverse and these kind of almost new communities, dare I say civilizations that are starting to sprout online. And so those are some of the from the more institutional to the more consumer, I think there's just so much happening out there. That's all really just going to continue to develop at a rapid pace in 2022.Austin Federa (40:49):And Mabel, what do you see for 2022?Mabel (40:51):Yeah. I'd like to maybe talk a little bit more about the application as in the middleware layer. Especially the crypto native ones. We've seen a lot of DeFi activities, 2020, 2021 for on Solana specifically because people like how fast transactions are like. But I think what's more excited, also something that I've been spending a lot of time thinking about and then exploring is that the actual kind of Web 3.0 application experience, what does that mean? People have been talking about metaverse so to speak for a long time but the things people can do beyond finance is never really happening before but I think there are, we've seen from a lot of the recent hackathons that you'll have address to address IM protocols, you have some of the Web 3.0 social graph where you can just basically have the relationship you with another person.And then another, some of the other things open C collections or some of the other things that you did. And then you also have things like on chain credentialing protocols. All of these, we are seeing them happening on Solana. And then with all of these composable, with each other, you can actually see that you have relationship between people in a game, for example. Or when you bootstrap a new application with the social graph, you can you customize the front page that you push to the users based on the social graph because like you have all those data. Obviously what Lily said about privacy preservation was very, very important. You don't want to share everything, which kind of it's kind of against the purpose but I think the idea is that for Web 3.0, you own the data.You are the one who approves the blockchain or whoever else to access your data of all eth and you control whether you approve someone to be your public connected contact. And then things like on chain credentials, you can prove, what are some of your achievements based on the contribution off chain. At this court discussion or things like whatever you've provided liquidity in the past for certain period of time or you just basically voted every single time in the community snapshot. All of these become your kind of on chain resumes or on chain badges that can later on help whatever you prioritize into a community. It's the such thing we call gated community. I think all of these are coming together. We're going to see actual consumer experience available on Solana. I thought that was extremely exciting because I think with all of these enabled, people will have no difference of experience compared to some of the other Web 2.0 application experience. I thought that's going to be very huge.Austin Federa (43:35):Well, thank you all for joining us today. It's fun to talk about some of these things that are not quite as pressing, as user facing that developers aren't picking up and doing but are nonetheless integral to the network and it's growth and its future. And I think it's really fun to talk with the names and some of the people behind the Solana Foundation. Thanks for joining us today.Lily (44:00):Thanks for having us, Austin.Mabel (44:01):Thank you.Dan (44:02):Great to be here. Thanks a lot.

Lovely Monday #PropertyJammers!⁠ Our new episode is out now! We had a lovely and info-filled episode with this one plus we also have in the house, Violet Pugh of soresi!! Violet started her property journey for 8 years and counting as the digital marketing manager of soresi; before she entered the property world, she worked in fashion PR whilst studying. Being the digital marketing manager and handling the customer service team of soresi for 8 years now; she have a lot of stories and experiences about simplifying shared ownership. we had a lot of fun with this one! 

Join James and Mike in this week's episode of Cheques & Balances where they discuss the new shared property ownership scheme. They are joined once again by property guru and Managing Director of Lighthouse Financial services Matt Harris as they discuss, the new government shared ownership scheme and how it will help first home buyers into the property market.The content in this podcast are the opinions of the hosts. It should not be treated as financial advice. It is important you take into consideration your own personal situation and goals before making any financial decisions. Hosted on Acast. See acast.com/privacy for more information.