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IWhat is our children's future? What skills should they be developing? How should schools be adapting? What will the fully functioning citizens and workers of the future look like? A look into the landscape of the next 15 years, the future of work with human and AI interactions, the transformation of education, the safety and privacy landscapes, and a parental playbook. Navigation: Intro The Landscape: 2026–2040 The Future of Work: Human + AI The Transformation of Education The Ethics, Safety, and Privacy Landscape The Parental Playbook: Actionable Strategies Conclusion Our co-hosts: Bertrand Schmitt, Entrepreneur in Residence at Red River West, co-founder of App Annie / Data.ai, business angel, advisor to startups and VC funds, @bschmitt Nuno Goncalves Pedro, Investor, Managing Partner, Founder at Chamaeleon, @ngpedro Our show: Tech DECIPHERED brings you the Entrepreneur and Investor views on Big Tech, VC and Start-up news, opinion pieces and research. We decipher their meaning, and add inside knowledge and context. Being nerds, we also discuss the latest gadgets and pop culture news Subscribe To Our Podcast Bertrand SchmittIntroduction Welcome to Episode 72 of Tech Deciphered, about our children’s future. What is our children’s future? What skills should they be developing? How should school be adapting to AI? What would be the functioning citizens and workers of the future look like, especially in the context of the AI revolution? Nuno, what’s your take? Maybe we start with the landscape. Nuno Goncalves PedroThe Landscape: 2026–2040 Let’s first frame it. What do people think is going to happen? Firstly, that there’s going to be a dramatic increase in productivity, and because of that dramatic increase in productivity, there are a lot of numbers that show that there’s going to be… AI will enable some labour productivity growth of 0.1 to 0.6% through 2040, which would be a figure that would be potentially rising even more depending on use of other technologies beyond generative AI, as much as 0.5 to 3.4% points annually, which would be ridiculous in terms of productivity enhancement. To be clear, we haven’t seen it yet. But if there are those dramatic increases in productivity expected by the market, then there will be job displacement. There will be people losing their jobs. There will be people that will need to be reskilled, and there will be a big shift that is similar to what happens when there’s a significant industrial revolution, like the Industrial Revolution of the late 19th century into the 20th century. Other numbers quoted would say that 30% of US jobs could be automated by 2030, which is a silly number, 30%, and that another 60% would see tremendously being altered. A lot of their tasks would be altered for those jobs. There’s also views that this is obviously fundamentally a global phenomenon, that as much as 9% of jobs could be lost to AI by 2030. I think question mark if this is a net number or a gross number, so it might be 9% our loss, but then maybe there’re other jobs that will emerge. It’s very clear that the landscape we have ahead of us is if there are any significant increases in productivity, there will be job displacement. There will be job shifting. There will be the need for reskilling. Therefore, I think on the downside, you would say there’s going to be job losses. We’ll have to reevaluate whether people should still work in general 5 days a week or not. Will we actually work in 10, 20, 30 years? I think that’s the doomsday scenario and what happens on that side of the fence. I think on the positive side, there’s also a discussion around there’ll be new jobs that emerge. There’ll be new jobs that maybe we don’t understand today, new job descriptions that actually don’t even exist yet that will emerge out this brave new world of AI. Bertrand SchmittYeah. I mean, let’s not forget how we get to a growing economy. I mean, there’s a measurement of a growing economy is GDP growth. Typically, you can simplify in two elements. One is the growth of the labour force, two, the rise of the productivity of that labour force, and that’s about it. Either you grow the economy by increasing the number of people, which in most of the Western world is not really happening, or you increase productivity. I think that we should not forget that growth of productivity is a backbone of growth for our economies, and that has been what has enabled the rise in prosperity across countries. I always take that as a win, personally. That growth in productivity has happened over the past decades through all the technological revolutions, from more efficient factories to oil and gas to computers, to network computers, to internet, to mobile and all the improvement in science, usually on the back of technological improvement. Personally, I welcome any rise in improvement we can get in productivity because there is at this stage simply no other choice for a growing world in terms of growing prosperity. In terms of change, we can already have a look at the past. There are so many jobs today you could not imagine they would exist 30 years ago. Take the rise of the influencer, for instance, who could have imagined that 30 years ago. Take the rise of the small mom-and-pop e-commerce owner, who could have imagined that. Of course, all the rise of IT as a profession. I mean, how few of us were there 30 years ago compared to today. I mean, this is what it was 30 years ago. I think there is a lot of change that already happened. I think as a society, we need to welcome that. If we go back even longer, 100 years ago, 150 years ago, let’s not forget, if I take a city like Paris, we used to have tens of thousands of people transporting water manually. Before we have running water in every home, we used to have boats going to the North Pole or to the northern region to bring back ice and basically pushing ice all the way to the Western world because we didn’t have fridges at the time. I think that when we look back in time about all the jobs that got displaced, I would say, Thank you. Thank you because these were not such easy jobs. Change is coming, but change is part of the human equation, at least. Industrial revolution, the past 250 years, it’s thanks to that that we have some improvement in living conditions everywhere. AI is changing stuff, but change is a constant, and we need to adapt and adjust. At least on my side, I’m glad that AI will be able to displace some jobs that were not so interesting to do in the first place in many situations. Maybe not dangerous like in the past because we are talking about replacing white job collars, but at least repetitive jobs are definitely going to be on the chopping block. Nuno Goncalves PedroWhat happens in terms of shift? We were talking about some numbers earlier. The World Economic Forum also has some numbers that predicts that there is a gross job creation rate of 14% from 2025 to 2030 and a displacement rate of 8%, so I guess they’re being optimistic, so a net growth in employment. I think that optimism relates to this thesis that, for example, efficiency, in particular in production and industrial environments, et cetera, might reduce labour there while increasing the demand for labour elsewhere because there is a natural lower cost base. If there’s more automation in production, therefore there’s more disposable income for people to do other things and to focus more on their side activities. Maybe, as I said before, not work 5 days a week, but maybe work four or three or whatever it is. What are the jobs of the future? What are the jobs that we see increasing in the future? Obviously, there’re a lot of jobs that relate to the technology side, that relate obviously to AI, that’s a little bit self-serving, and everything that relates to information technology, computer science, computer technology, computer engineering, et cetera. More broadly in electrical engineering, mechanical engineering, that might actually be more needed. Because there is a broadening of all of these elements of contact with digital, with AI over time also with robots and robotics, that those jobs will increase. There’s a thesis that actually other jobs that are a little bit more related to agriculture, education, et cetera, might not see a dramatic impact, that will still need for, I guess, teachers and the need for people working in farms, et cetera. I think this assumes that probably the AI revolution will come much before the fundamental evolution that will come from robotics afterwards. Then there’s obviously this discussion around declining roles. Anything that’s fundamentally routine, like data entry, clinical roles, paralegals, for example, routine manufacturing, anything that’s very repetitive in nature will be taken away. I have the personal thesis that there are jobs that are actually very blue-collar jobs, like HVAC installation, maintenance, et cetera, plumbing, that will be still done by humans for a very long time because there are actually, they appear to be repetitive, but they’re actually complex, and they require manual labour that cannot be easily, I think, right now done by robots and replacements of humans. Actually, I think there’re blue-collar roles that will be on the increase rather than on decrease that will demand a premium, because obviously, they are apprenticeship roles, certification roles, and that will demand a premium. Maybe we’re at the two ends. There’s an end that is very technologically driven of jobs that will need to necessarily increase, and there’s at the other end, jobs that are very menial but necessarily need to be done by humans, and therefore will also command a premium on the other end. Bertrand SchmittI think what you say make a lot of sense. If you think about AI as a stack, my guess is that for the foreseeable future, on the whole stack, and when I say stack, I mean from basic energy production because we need a lot of energy for AI, maybe to going up to all the computing infrastructure, to AI models, to AI training, to robotics. All this stack, we see an increase in expertise in workers and everything. Even if a lot of this work will benefit from AI improvement, the boom is so large that it will bring a lot of demand for anyone working on any part of the stack. Some of it is definitely blue-collar. When you have to build a data centre or energy power station, this requires a lot of blue-collar work. I would say, personally, I’m absolutely not a believer of the 3 or 4 days a week work week. I don’t believe a single second in that socialist paradise. If you want to call it that way. I think that’s not going to change. I would say today we can already see that breaking. I mean, if you take Europe, most European countries have a big issue with pension. The question is more to increase how long you are going to work because financially speaking, the equation is not there. Personally, I don’t think AI would change any of that. I agree with you in terms of some jobs from electricians to gas piping and stuff. There will still be demand and robots are not going to help soon on this job. There will be a big divergence between and all those that can be automated, done by AI and robots and becoming cheaper and cheaper and stuff that requires a lot of human work, manual work. I don’t know if it will become more expensive, but definitely, proportionally, in comparison, we look so expensive that you will have second thoughts about doing that investment to add this, to add that. I can see that when you have your own home, so many costs, some cost our product. You buy this new product, you add it to your home. It can be a water heater or something, built in a factory, relatively cheap. You see the installation cost, the maintenance cost. It’s many times the cost of the product itself. Nuno Goncalves PedroMaybe it’s a good time to put a caveat into our conversation. I mean, there’s a… Roy Amara was a futurist who came up with the Amara’s Law. We tend to overestimate the effect of a technology in the short run and overestimate the effect in the long run. I prefer my own law, which is, we tend to overestimate the speed at which we get to a technological revolution and underestimate its impact. I think it’s a little bit like that. I think everyone now is like, “Oh, my God, we’re going to be having the AI overlords taking over us, and AGI is going to happen pretty quickly,” and all of that. I mean, AGI will probably happen at some point. We’re not really sure when. I don’t think anyone can tell you. I mean, there’re obviously a lot of ranges going on. Back to your point, for example, on the shift of the work week and how we work. I mean, just to be very clear, we didn’t use to have 5 days a week and 2 days a weekend. If we go back to religions, there was definitely Sabbath back in the day, and there was one day off, the day of the Lord and the day of God. Then we went to 2 days of weekend. I remember going to Korea back in 2005, and I think Korea shifted officially to 5 days a week, working week and 2 days weekend for some of the larger business, et cetera, in 2004. Actually, it took another whatever years for it to be pervasive in society. This is South Korea, so this is a developed market. We might be at some point moving to 4 days a week. Maybe France was ahead of the game. I know Bertrand doesn’t like this, the 35-hour week. Maybe we will have another shift in what defines the working week versus not. What defines what people need to do in terms of efficiency and how they work and all of that. I think it’s probably just going to take longer than we think. I think there’re some countries already doing it. I was reading maybe Finland was already thinking about moving to 4 days a week. There’re a couple of countries already working on it. Certainly, there’re companies already doing it as well. Bertrand SchmittYeah, I don’t know. I’m just looking at the financial equation of most countries. The disaster is so big in Western Europe, in the US. So much debt is out that needs to get paid that I don’t think any country today, unless there is a complete reversal of the finance, will be able to make a big change. You could argue maybe if we are in such a situation, it might be because we went too far in benefits, in vacation, in work days versus weekends. I’m not saying we should roll back, but I feel that at this stage, the proof is in the pudding. The finance of most developed countries are broken, so I don’t see a change coming up. Potentially, the other way around, people leaving to work more, unfortunately. We will see. My point is that AI will have to be so transformational for the productivity for countries, and countries will have to go back to finding their ways in terms of financial discipline to reach a level where we can truly profit from that. I think from my perspective, we have time to think about it in 10, 20 years. Right now, it’s BS at this stage of this discussion. Nuno Goncalves PedroYeah, there’s a dependency, Bertrand, which is there needs to be dramatic increases in productivity that need to happen that create an expansion of economy. Once that expansion is captured by, let’s say, government or let’s say by the state, it needs to be willingly fed back into society, which is not a given. There’re some governments who are going to be like, “No, you need to work for a living.” Tough luck. There’re no handouts, there’s nothing. There’s going to be other governments that will be pressured as well. I mean, even in a more socialist Europe, so to speak. There’re now a lot of pressures from very far-right, even extreme positions on what people need to do for a living and how much should the state actually intervene in terms of minimum salaries, et cetera, and social security. To your point, the economies are not doing well in and of themselves. Anyway, there would need to be tremendous expansion of economy and willingness by the state to give back to its citizens, which is also not a given. Bertrand SchmittAnd good financial discipline as well. Before we reach all these three. Reaping the benefits in a tremendous way, way above trend line, good financial discipline, and then some willingness to send back. I mean, we can talk about a dream. I think that some of this discussion was, in some ways, to have a discussion so early about this. It’s like, let’s start to talk about the benefits of the aeroplane industries in 1915 or 1910, a few years after the Wright brothers flight, and let’s make a decision based on what the world will be in 30 years from now when we reap this benefit. This is just not reasonable. This is not reasonable thinking. I remember seeing companies from OpenAI and others trying to push this narrative. It was just political agenda. It was nothing else. It was, “Let’s try to make look like AI so nice and great in the future, so you don’t complain on the short term about what’s happening.” I don’t think this is a good discussion to have for now. Let’s be realistic. Nuno Goncalves PedroJust for the sake of sharing it with our listeners, apparently there’re a couple of countries that have moved towards something a bit lower than 5 days a week. Belgium, I think, has legislated the ability for you to compress your work week into 4 days, where you could do 10 hours for 4 days, so 40 hours. UAE has some policy for government workers, 4.5 days. Iceland has some stuff around 35 to 36 hours, which is France has had that 35 hour thing. Lithuania for parents. Then just trials, it’s all over the shop. United Kingdom, my own Portugal, of course, Germany, Brazil, and South Africa, and a bunch of other countries, so interesting. There’s stuff going on. Bertrand SchmittFor sure. I mean, France managed to bankrupt itself playing the 75 hours work week since what, 2000 or something. I mean, yeah, it’s a choice of financial suicide, I would say. Nuno Goncalves PedroWonderful. The Future of Work: Human + AI Maybe moving a little bit towards the future of work and the coexistence of work of human and AI, I think the thesis that exists a little bit in the market is that the more positive thesis that leads to net employment growth and net employment creation, as we were saying, there’s shifting of professions, they’re rescaling, and there’s the new professions that will emerge, is the notion that human will need to continue working alongside with machine. I’m talking about robots, I’m also talking about software. Basically software can’t just always run on its own, and therefore, software serves as a layer of augmentation, that humans become augmented by AI, and therefore, they can be a lot more productive, and we can be a lot more productive. All of that would actually lead to a world where the efficiencies and the economic creation are incredible. We’ll have an unparalleled industrial evolution in our hands through AI. That’s one way of looking at it. We certainly at Chameleon, that’s how we think through AI and the AI layers that we’re creating with Mantis, which is our in-house platform at Chameleon, is that it’s augmenting us. Obviously, the human is still running the show at the end, making the toughest decisions, the more significant impact with entrepreneurs that we back, et cetera. AI augments us, but we run the show. Bertrand SchmittI totally agree with that perspective that first AI will bring a new approach, a human plus AI. Here in that situation, you really have two situations. Are you a knowledgeable user? Do you know your field well? Are you an expert? Are you an IT expert? Are you a medical doctor? Do you find your best way to optimise your work with AI? Are you knowledgeable enough to understand and challenge AI when you see weird output? You have to be knowledgeable in your field, but also knowledgeable in how to handle AI, because even experts might say, “Whatever AI says.” My guess is that will be the users that will benefit most from AI. Novice, I think, are in a bit tougher situation because if you use AI without truly understanding it, it’s like laying foundations on sand. Your stuff might crumble down the way, and you will have no clue what’s happening. Hopefully, you don’t put anyone in physical danger, but that’s more worrisome to me. I think some people will talk about the rise of vibe coding, for instance. I’ve seen AI so useful to improve coding in so many ways, but personally, I don’t think vibe coding is helpful. I mean, beyond doing a quick prototype or some stuff, but to put some serious foundation, I think it’s near useless if you have a pure vibe coding approach, obviously to each their own. I think the other piece of the puzzle, it’s not just to look at human plus AI. I think definitely there will be the other side as well, which is pure AI. Pure AI replacement. I think we start to see that with autonomous cars. We are close to be there. Here we’ll be in situation of maybe there is some remote control by some humans, maybe there is local control. We are talking about a huge scale replacement of some human activities. I think in some situation, let’s talk about work farms, for instance. That’s quite a special term, but basically is to describe work that is very repetitive in nature, requires a lot of humans. Today, if you do a loan approval, if you do an insurance claim analysis, you have hundreds, thousands, millions of people who are doing this job in Europe, in the US, or remotely outsourced to other countries like India. I think some of these jobs are fully at risk to be replaced. Would it be 100% replacement? Probably not. But a 9:1, 10:1 replacement? I think it’s definitely possible because these jobs have been designed, by the way, to be repetitive, to follow some very clear set of rules, to improve the rules, to remove any doubt if you are not sure. I think some of these jobs will be transformed significantly. I think we see two sides. People will become more efficient controlling an AI, being able to do the job of two people at once. On the other side, we see people who have much less control about their life, basically, and whose job will simply disappear. Nuno Goncalves PedroTwo points I would like to make. The first point is we’re talking about a state of AI that we got here, and we mentioned this in previous episodes of Tech Deciphered, through brute force, dramatically increased data availability, a lot of compute, lower network latencies, and all of that that has led us to where we are today. But it’s brute force. The key thing here is brute force. Therefore, when AI acts really well, it acts well through brute force, through seeing a bunch of things that have happened before. For example, in the case of coding, it might still outperform many humans in coding in many different scenarios, but it might miss hedge cases. It might actually not be as perfect and as great as one of these developers that has been doing it for decades who has this intuition and is a 10X developer. In some ways, I think what got us here is not maybe what’s going to get us to the next level of productivity as well, which is the unsupervised learning piece, the actually no learning piece, where you go into the world and figure stuff out. That world is emerging now, but it’s still not there in terms of AI algorithms and what’s happening. Again, a lot of what we’re seeing today is the outcome of the brute force movement that we’ve had over the last decade, decade and a half. The second point I’d like to make is to your point, Bertrand, you were going really well through, okay, if you’re a super experienced subject-matter expert, the way you can use AI is like, wow! Right? I mean, you are much more efficient, right? I was asked to do a presentation recently. When I do things in public, I don’t like to do it. If it’s a keynote, because I like to use my package stuff, there’s like six, seven presentations that I have prepackaged, and I can adapt around that. But if it’s a totally new thing, I don’t like to do it as a keynote because it requires a lot of preparation. Therefore, I’m like, I prefer to do a fire set chat or a panel or whatever. I got asked to do something, a little bit what is taking us to this topic today around what’s happening to our children and all of that is like, “God! I need to develop this from scratch.” The honest truth is if you have domain expertise around many areas, you can do it very quickly with the aid of different tools in AI. Anything from Gemini, even with Nana Banana, to ChatGPT and other tools that are out there for you and framing, how would you do that? But the problem then exists with people that are just at the beginning of their careers, people that have very little expertise and experience, and people that are maybe coming out of college where their knowledge is mostly theoretical. What happens to those people? Even in computer engineering, even in computer science, even in software development, how do those people get to the next level? I think that’s one of the interesting conversations to be had. What happens to the recent graduate or the recent undergrad? How do those people get the expertise they need to go to the next level? Can they just be replaced by AI agents today? What’s their role in terms of the workforce, and how do they fit into that workforce? Bertrand SchmittNo, I mean, that’s definitely the biggest question. I think that a lot of positions, if you are really knowledgeable, good at your job, if you are that 10X developer, I don’t think your job is at risk. Overall, you always have some exceptions, some companies going through tough times, but I don’t think it’s an issue. On the other end, that’s for sure, the recent new graduates will face some more trouble to learn on their own, start their career, and go to that 10X productivity level. But at the same time, let’s also not kid ourselves. If we take software development, this is a profession that increase in number of graduates tremendously over the past 30 years. I don’t think everyone basically has the talent to really make it. Now that you have AI, for sure, the bar to justify why you should be there, why you should join this company is getting higher and higher. Being just okay won’t be enough to get you a career in IT. You will need to show that you are great or potential to be great. That might make things tough for some jobs. At the same time, I certainly believe there will be new opportunities that were not there before. People will have to definitely adjust to that new reality, learn and understand what’s going on, what are the options, and also try to be very early on, very confident at using AI as much as they can because for sure, companies are going to only hire workers that have shown their capacity to work well with AI. Nuno Goncalves PedroMy belief is that it generates new opportunities for recent undergrads, et cetera, of building their own microbusinesses or nano businesses. To your point, maybe getting jobs because they’ll be forced to move faster within their jobs and do less menial and repetitive activities and be more focused on actual dramatic intellectual activities immediately from the get go, which is not a bad thing. Their acceleration into knowledge will be even faster. I don’t know. It feels to me maybe there’s a positivity to it. Obviously, if you’ve stayed in a big school, et cetera, that there will be some positivity coming out of that. The Transformation of Education Maybe this is a good segue to education. How does education change to adapt to a new world where AI is a given? It’s not like I can check if you’re faking it on your homework or if you’re doing a remote examination or whatever, if you’re using or not tools, it’s like you’re going to use these tools. What happens in that case, and how does education need to shift in this brave new world of AI augmentation and AI enhancements to students? Bertrand SchmittYes, I agree with you. There will be new opportunities. I think people need to be adaptable. What used to be an absolute perfect career choice might not be anymore. You need to learn what changes are happening in the industry, and you need to adjust to that, especially if you’re a new graduate. Nuno Goncalves PedroMaybe we’ll talk a little bit about education, Bertrand, and how education would fundamentally shift. I think one of the things that’s been really discussed is what are the core skills that need to be developed? What are the core skills that will be important in the future? I think critical thinking is probably most important than ever. The ability to actually assimilate information and discern which information is correct or incorrect and which information can lead you to a conclusion or not, for example, I think is more important than ever. The ability to assimilate a bunch of pieces of information, make a decision or have an insight or foresight out of that information is very, very critical. The ability to be analytical around how you look at information and to really distinguish what’s fact from what’s opinion, I think is probably quite important. Maybe moving away more and more from memorisation from just cramming information into your brain like we used to do it in college, you have to know every single algorithm for whatever. It’s like, “Who gives a shit? I can just go and search it.” There’s these shifts that are not simple because I think education, in particular in the last century, has maybe been too focused on knowing more and more knowledge, on learning this knowledge. Now it’s more about learning how to process the knowledge rather than learning how to apprehend it. Because the apprehension doesn’t matter as much because you can have this information at any point in time. The information is available to you at the touch of a finger or voice or whatever. But the ability to then use the information to do something with it is not. That’s maybe where you start distinguishing the different level degrees of education and how things are taught. Bertrand SchmittHonestly, what you just say or describe could apply of the changes we went through the past 30 years. Just using internet search has for sure tremendously changed how you can do any knowledge worker job. Suddenly you have the internet at your fingertips. You can search about any topics. You have direct access to a Wikipedia or something equivalent in any field. I think some of this, we already went through it, and I hope we learned the consequence of these changes. I would say what is new is the way AI itself is working, because when you use AI, you realise that it can utter to you complete bullshit in a very self-assured way of explaining something. It’s a bit more scary than it used to be, because in the past, that algorithm trying to present you the most relevant stuff based on some algorithm was not trying to present you the truth. It’s a list of links. Maybe it was more the number one link versus number 100. But ultimately, it’s for you to make your own opinion. Now you have some chatbot that’s going to tell you that for sure this is the way you should do it. Then you check more, and you realise, no, it’s totally wrong. It’s definitely a slight change in how you have to apprehend this brave new world. Also, this AI tool, the big change, especially with generative AI, is the ability for them to give you the impression they can do the job at hand by themselves when usually they cannot. Nuno Goncalves PedroIndeed. There’s definitely a lot of things happening right now that need to fundamentally shift. Honestly, I think in the education system the problem is the education system is barely adapted to the digital world. Even today, if you studied at a top school like Stanford, et cetera, there’s stuff you can do online, there’s more and more tools online. But the teaching process has been very centred on syllabus, the teachers, later on the professors, and everything that’s around it. In class presence, there’s been minor adaptations. People sometimes allow to use their laptops in the classroom, et cetera, or their mobile phones. But it’s been done the other way around. It’s like the tools came later, and they got fed into the process. Now I think there needs to be readjustments. If we did this ground up from a digital first or a mobile first perspective and an AI first perspective, how would we do it? That changes how teachers and professors should interact with the classrooms, with the role of the classroom, the role of the class itself, the role of homework. A lot of people have been debating that. What do you want out of homework? It’s just that people cram information and whatever, or do you want people to show critical thinking in a specific different manner, or some people even go one step further. It’s like, there should be no homework. People should just show up in class and homework should move to the class in some ways. Then what happens outside of the class? What are people doing at home? Are they learning tools? Are they learning something else? Are they learning to be productive in responding to teachers? But obviously, AI augmented in doing so. I mean, still very unclear what this looks like. We’re still halfway through the revolution, as we said earlier. The revolution is still in motion. It’s not realised yet. Bertrand SchmittI would quite separate higher education, university and beyond, versus lower education, teenager, kids. Because I think the core up to the point you are a teenager or so, I think the school system should still be there to guide you, discovering and learning and being with your peers. I think what is new is that, again, at some point, AI could potentially do your job, do your homework. We faced similar situation in the past with the rise of Wikipedia, online encyclopedias and the stuff. But this is quite dramatically different. Then someone could write your essays, could answer your maths work. I can see some changes where you talk about homework, it’s going to be classwork instead. No work at home because no one can trust that you did it yourself anymore going forward, but you will have to do it in the classroom, maybe spend more time at school so that we can verify that you really did your job. I think there is real value to make sure that you can still think by yourself. The same way with the rise of calculators 40 years ago, I think it was the right thing to do to say, “You know what? You still need to learn the basics of doing calculations by hand.” Yes, I remember myself a kid thinking, “What the hell? I have a calculator. It’s working very well.” But it was still very useful because you can think in your head, you can solve complex problems in your head, you can check some output that it’s right or wrong if it’s coming from a calculator. There was a real value to still learn the basics. At the same point, it was also right to say, “You know what? Once you know the basics, yes, for sure, the calculator will take over because we’re at the point.” I think that was the right balance that was put in place with the rise of calculators. We need something similar with AI. You need to be able to write by yourself, to do stuff by yourself. At some point, you have to say, “Yeah, you know what? That long essays that we asked you to do for the sake of doing long essays? What’s the point?” At some point, yeah, that would be a true question. For higher education, I think personally, it’s totally ripe for full disruption. You talk about the traditional system trying to adapt. I think we start to be at the stage where “It should be the other way around.” It should be we should be restarted from the ground up because we simply have different tools, different ways. I think at this stage, many companies if you take, [inaudible 00:33:01] for instance, started to recruit people after high school. They say, “You know what? Don’t waste your time in universities. Don’t spend crazy shitload of money to pay for an education that’s more or less worthless.” Because it used to be a way to filter people. You go to good school, you have a stamp that say, “This guy is good enough, knows how to think.” But is it so true anymore? I mean, now that universities have increased the enrolment so many times over, and your university degree doesn’t prove much in terms of your intelligence or your capacity to work hard, quite frankly. If the universities are losing the value of their stamp and keep costing more and more and more, I think it’s a fair question to say, “Okay, maybe this is not needed anymore.” Maybe now companies can directly find the best talents out there, train them themselves, make sure that ultimately it’s a win-win situation. If kids don’t have to have big loans anymore, companies don’t have to pay them as much, and everyone is winning. I think we have reached a point of no return in terms of value of university degrees, quite frankly. Of course, there are some exceptions. Some universities have incredible programs, incredible degrees. But as a whole, I think we are reaching a point of no return. Too expensive, not enough value in the degree, not a filter anymore. Ultimately, I think there is a case to be made for companies to go back directly to the source and to high school. Nuno Goncalves PedroI’m still not ready to eliminate and just say higher education doesn’t have a role. I agree with the notion that it’s continuous education role that needs to be filled in a very different way. Going back to K-12, I think the learning of things is pretty vital that you learn, for example, how to write, that you learn cursive and all these things is important. I think the role of the teacher, and maybe actually even later on of the professors in higher education, is to teach people the critical information they need to know for the area they’re in. Basic math, advanced math, the big thinkers in philosophy, whatever is that you’re studying, and then actually teach the students how to use the tools that they need, in particular, K-12, so that they more rapidly apprehend knowledge, that they more rapidly can do exercises, that they more rapidly do things. I think we’ve had a static view on what you need to learn for a while. That’s, for example, in the US, where you have AP classes, like advanced placement classes, where you could be doing math and you could be doing AP math. You’re like, dude. In some ways, I think the role of the teacher and the interaction with the students needs to go beyond just the apprehension of knowledge. It also has to have apprehension of knowledge, but it needs to go to the apprehension of tools. Then the application of, as we discussed before, critical thinking, analytical thinking, creative thinking. We haven’t talked about creativity for all, but obviously the creativity that you need to have around certain problems and the induction of that into the process is critical. It’s particular in young kids and how they’re developing their learning skills and then actually accelerate learning. In that way, what I’m saying, I’m not sure I’m willing to say higher education is dead. I do think this mass production of higher education that we have, in particular in the US. That’s incredibly costly. A lot of people in Europe probably don’t see how costly higher education is because we’re educated in Europe, they paid some fee. A lot of the higher education in Europe is still, to a certain extent, subsidised or done by the state. There is high degree of subsidisation in it, so it’s not really as expensive as you’d see in the US. But someone spending 200-300K to go to a top school in the US to study for four years for an undergrad, that doesn’t make sense. For tuition alone, we’re talking about tuition alone. How does that work? Why is it so expensive? Even if I’m a Stanford or a Harvard or a University of Pennsylvania or whatever, whatever, Ivy League school, if I’m any of those, to command that premium, I don’t think makes much sense. To your point, maybe it is about thinking through higher education in a different way. Technical schools also make sense. Your ability to learn and learn and continue to education also makes sense. You can be certified. There are certifications all around that also makes sense. I do think there’s still a case for higher education, but it needs to be done in a different mould, and obviously the cost needs to be reassessed. Because it doesn’t make sense for you to be in debt that dramatically as you are today in the US. Bertrand SchmittI mean, for me, that’s where I’m starting when I’m saying it’s broken. You cannot justify this amount of money except in a very rare and stratified job opportunities. That means for a lot of people, the value of this equation will be negative. It’s like some new, indented class of people who owe a lot of money and have no way to get rid of this loan. Sorry. There are some ways, like join the government Task Force, work for the government, that at some point you will be forgiven your loans. Some people are going to just go after government jobs just for that reason, which is quite sad, frankly. I think we need a different approach. Education can be done, has to be done cheaper, should be done differently. Maybe it’s just regular on the job training, maybe it is on the side, long by night type of approach. I think there are different ways to think about. Also, it can be very practical. I don’t know you, but there are a lot of classes that are not really practical or not very tailored to the path you have chosen. Don’t get me wrong, there is always value to see all the stuff, to get a sense of the world around you. But this has a cost. If it was for free, different story. But nothing is free. I mean, your parents might think it’s free, but at the end of the day, it’s their taxes paying for all of this. The reality is that it’s not free. It’s costing a lot of money at the end of the day. I think we absolutely need to do a better job here. I think internet and now AI makes this a possibility. I don’t know you, but personally, I’ve learned so much through online classes, YouTube videos, and the like, that it never cease to amaze me how much you can learn, thanks to the internet, and keep up to date in so many ways on some topics. Quite frankly, there are some topics that there is not a single university that can teach you what’s going on because we’re talking about stuff that is so precise, so focused that no one is building a degree around that. There is no way. Nuno Goncalves PedroI think that makes sense. Maybe bring it back to core skills. We’ve talked about a couple of core skills, but maybe just to structure it a little bit for you, our listener. I think there’s a big belief that critical thinking will be more important than ever. We already talked a little bit about that. I think there’s a belief that analytical thinking, the ability to, again, distinguish fact from opinion, ability to distinguish elements from different data sources and make sure that you see what those elements actually are in a relatively analytical manner. Actually the ability to extract data in some ways. Active learning, proactive learning and learning strategies. I mean, the ability to proactively learn, proactively search, be curious and search for knowledge. Complex problem-solving, we also talked a little bit about it. That goes hand in hand normally with critical thinking and analysis. Creativity, we also talked about. I think originality, initiative, I think will be very important for a long time. I’m not saying AI at some point won’t be able to emulate genuine creativity. I wouldn’t go as far as saying that, but for the time being, it has tremendous difficulty doing so. Bertrand SchmittBut you can use AI in creative endeavours. Nuno Goncalves PedroOf course, no doubt. Bertrand SchmittYou can do stuff you will be unable to do, create music, create videos, create stuff that will be very difficult. I see that as an evolution of tools. It’s like now cameras are so cheap to create world-class quality videos, for instance. That if you’re a student, you want to learn cinema, you can do it truly on the cheap. But now that’s the next level. You don’t even need actors, you don’t even need the real camera. You can start to make movies. It’s amazing as a learning tool, as a creative tool. It’s for sure a new art form in a way that we have seen expanding on YouTube and other places, and the same for creating new images, new music. I think that AI can be actually a tool for expression and for creativity, even in its current form. Nuno Goncalves PedroAbsolutely. A couple of other skills that people would say maybe are soft skills, but I think are incredibly powerful and very distinctive from machines. Empathy, the ability to figure out how the other person’s feeling and why they’re feeling like that. Adaptability, openness, the flexibility, the ability to drop something and go a different route, to maybe be intellectually honest and recognise this is the wrong way and the wrong angle. Last but not the least, I think on the positive side, tech literacy. I mean, a lot of people are, oh, we don’t need to be tech literate. Actually, I think this is a moment in time where you need to be more tech literate than ever. It’s almost a given. It’s almost like table stakes, that you are at some tech literacy. What matters less? I think memorisation and just the cramming of information and using your brain as a library just for the sake of it, I think probably will matter less and less. If you are a subject or a class that’s just solely focused on cramming your information, I feel that’s probably the wrong way to go. I saw some analysis that the management of people is less and less important. I actually disagree with that. I think in the interim, because of what we were discussing earlier, that subject-matter experts at the top end can do a lot of stuff by themselves and therefore maybe need to less… They have less people working for them because they become a little bit more like superpowered individual contributors. But I feel that’s a blip rather than what’s going to happen over time. I think collaboration is going to be a key element of what needs to be done in the future. Still, I don’t see that changing, and therefore, management needs to be embedded in it. What other skills should disappear or what other skills are less important to be developed, I guess? Bertrand SchmittWorld learning, I’ve never, ever been a fan. I think that one for sure. But at the same time, I want to make sure that we still need to learn about history or geography. What we don’t want to learn is that stupid word learning. I still remember as a teenager having to learn the list of all the 100 French departments. I mean, who cared? I didn’t care about knowing the biggest cities of each French department. It was useless to me. But at the same time, geography in general, history in general, there is a lot to learn from the past from the current world. I think we need to find that right balance. The details, the long list might not be that necessary. At the same time, the long arc of history, our world where it is today, I think there is a lot of value. I think you talk about analysing data. I think this one is critical because the world is generating more and more data. We need to benefit from it. There is no way we can benefit from it if we don’t understand how data is produced, what data means. If we don’t understand the base of statistical analysis. I think some of this is definitely critical. But for stuff, we have to do less. It’s beyond world learning. I don’t know, honestly. I don’t think the core should change so much. But the tools we use to learn the core, yes, probably should definitely improve. Nuno Goncalves PedroOne final debate, maybe just to close, I think this chapter on education and skill building and all of that. There’s been a lot of discussion around specialisation versus generalisation, specialists versus generalists. I think for a very long time, the world has gone into a route that basically frames specialisation as a great thing. I think both of us have lived in Silicon Valley. I still do, but we both lived in Silicon Valley for a significant period of time. The centre of the universe in terms of specialisation, you get more and more specialised. I think we’re going into a world that becomes a little bit different. It becomes a little bit like what Amazon calls athletes, right? The T-Pi-shaped people get the most value, where you’re brought on top, you’re a very strong generalist on top, and you have a lot of great soft skills around management and empathy and all that stuff. Then you might have one or two subject matter expertise areas. Could be like business development and sales or corporate development and business development or product management and something else. I think those are the winners of the future. The young winners of the future are going to be more and more T-pi-shaped, if I had to make a guess. Specialisation matters, but maybe not as much as it matters today. It matters from the perspective that you still have to have spikes in certain areas of focus. But I’m not sure that you get more and more specialised in the area you’re in. I’m not sure that’s necessarily how humans create most value in their arena of deployment and development. Professionally, and therefore, I’m not sure education should be more and more specialised just for the sake of it. What do you think? Bertrand SchmittI think that that’s a great point. I would say I could see an argument for both. I think there is always some value in being truly an expert on a topic so that you can keep digging around, keep developing the field. You cannot develop a field without people focused on developing a field. I think that one is there to stay. At the same time, I can see how in many situations, combining knowledge of multiple fields can bring tremendous value. I think it’s very clear as well. I think it’s a balance. We still need some experts. At the same time, there is value to be quite horizontal in terms of knowledge. I think what is still very valuable is the ability to drill through whenever you need. I think that we say it’s actually much easier than before. That for me is a big difference. I can see how now you can drill through on topics that would have been very complex to go into. You will have to read a lot of books, watch a lot of videos, potentially do a new education before you grasp much about a topic. Well, now, thanks to AI, you can drill very quickly on topic of interest to you. I think that can be very valuable. Again, if you just do that blindly, that’s calling for trouble. But if you have some knowledge in the area, if you know how to deal with AI, at least today’s AI and its constraints, I think there is real value you can deliver thanks to an ability to drill through when you don’t. For me, personally, one thing I’ve seen is some people who are generalists have lost this ability. They have lost this ability to drill through on a topic, become expert on some topic very quickly. I think you need that. If you’re a VC, you need to analyse opportunity, you need to discover a new space very quickly. We say, I think some stuff can move much quicker than before. I’m always careful now when I see some pure generalists, because one thing I notice is that they don’t know how to do much anything any more. That’s a risk. We have example of very, very, very successful people. Take an Elon Musk, take a Steve Jobs. They have this ability to drill through to the very end of any topic, and that’s a real skill. Sometimes I see people, you should trust the people below. They know better on this and that, and you should not question experts and stuff. Hey, guys, how is it that they managed to build such successful companies? Is their ability to drill through and challenge hardcore experts. Yes, they will bring top people in the field, but they have an ability to learn quickly a new space and to drill through on some very technical topics and challenge people the right way. Challenge, don’t smart me. Not the, I don’t care, just do it in 10 days. No, going smartly, showing people those options, learning enough in the field to be dangerous. I think that’s a very, very important skill to have. Nuno Goncalves PedroMaybe switching to the dark side and talking a little bit about the bad stuff. I think a lot of people have these questions. There’s been a lot of debate around ChatGPT. I think there’s still a couple of court cases going on, a suicide case that I recently a bit privy to of a young man that killed himself, and OpenAI and ChatGPT as a tool currently really under the magnifying glass for, are people getting confused about AI and AI looks so similar to us, et cetera. The Ethics, Safety, and Privacy Landscape Maybe let’s talk about the ethics and safety and privacy landscape a little bit and what’s happening. Sadly, AI will also create the advent of a world that has still a lot of biases at scale. I mean, let’s not forget the AI is using data and data has biases. The models that are being trained on this data will have also biases that we’re seeing with AI, the ability to do things that are fake, deep fakes in video and pictures, et cetera. How do we, as a society, start dealing with that? How do we, as a society, start dealing with all the attacks that are going on? On the privacy side, the ability for these models and for these tools that we have today to actually have memory of the conversations we’ve had with them already and have context on what we said before and be able to act on that on us, and how is that information being farmed and that data being farmed? How is it being used? For what purposes is it being used? As I said, the dark side of our conversation today. I think we’ve been pretty positive until now. But in this world, I think things are going to get worse before they get better. Obviously, there’s a lot of money being thrown at rapid evolution of these tools. I don’t see moratoriums coming anytime soon or bans on tools coming anytime soon. The world will need to adapt very, very quickly. As we’ve talked in previous episodes, regulation takes a long time to adapt, except Europe, which obviously regulates maybe way too fast on technology and maybe not really on use cases and user flows. But how do we deal with this world that is clearly becoming more complex? Bertrand SchmittI mean, on the European topic, I believe Europe should focus on building versus trying to sensor and to control and to regulate. But going back to your point, I think there are some, I mean, very tough use case when you see about voice cloning, for instance. Grandparents believing that their kids are calling them, have been kidnapped when there is nothing to it, and they’re being extorted. AI generating deepfakes that enable sextortion, that stuff. I mean, it’s horrible stuff, obviously. I’m not for regulation here, to be frank. I think that we should for sure prosecute to the full extent of the law. The law has already a lot of tools to deal with this type of situation. But I can see some value to try to prevent that in some tools. If you are great at building tools to generate a fake voice, maybe you should make sure that you are not helping scammers. If you can generate easily images, you might want to make sure that you cannot easily generate tools that can be used for creating deep fakes and sex extortion. I think there are things that should be done by some providers to limit such terrible use cases. At the same time, the genie is out. There is also that part around, okay, the world will need to adapt. But yeah, you cannot trust everything that is done. What could have looked like horrible might not be true. You need to think twice about some of this, what you see, what you hear. We need to adjust how we live, how we work, but also how we prevent that. New tools, I believe, will appear. We will learn maybe to be less trustful on some stuff, but that is what it is. Nuno Goncalves PedroMaybe to follow up on that, I fully agree with everything you just said. We need to have these tools that will create boundary conditions around it as well. I think tech will need to fight tech in some ways, or we’ll need to find flaws in tech, but I think a lot of money needs to be put in it as well. I think my shout-out here, if people are listening to us, are entrepreneurs, et cetera, I think that’s an area that needs more and more investment, an area that needs more and more tooling platforms that are helpful to this. It’s interesting because that’s a little bit like how OpenAI was born. OpenAI was born to be a positive AI platform into the future. Then all of a sudden we’re like, “Can we have tools to control ChatGPT and all these things that are out there now?” How things have changed, I guess. But we definitely need to have, I think, a much more significant investment into these toolings and platforms than we do have today. Otherwise, I don’t see things evolving much better. There’s going to be more and more of this. There’s going to be more and more deep fakes, more and more, lack of contextualisation. There’s countries now that allow you to get married with not a human. It’s like you can get married to an algorithm or a robot or whatever. It’s like, what the hell? What’s happening now? It’s crazy. Hopefully, we’ll have more and more boundary conditions. Bertrand SchmittYeah, I think it will be a boom for cybersecurity. No question here. Tools to make sure that is there a better trust system or detecting the fake. It’s not going to be easy, but it has been the game in cybersecurity for a long time. You have some new Internet tools, some new Internet products. You need to find a difference against it and the constant war between the attackers and the defender. Nuno Goncalves PedroThe Parental Playbook: Actionable Strategies Maybe last but not the least in today’s episode, the parent playbook I’m a parent, what should I do I’ll actually let you start first. Bertrand, I’m parent-alike, but I am, sadly, not a parent, so I’ll let you start first, and then I’ll share some of my perspectives as well as a parent-like figure. Bertrand SchmittYeah, as a parent to an 8-year, I would say so far, no real difference than before. She will do some homework on an iPad. But beyond that, I cannot say I’ve seen at this stage so much difference. I think it will come up later when you have different type of homeworks when the kids start to be able to use computers on their own. What I’ve seen, however, is some interesting use cases. When my daughter is not sure about the spelling, she simply asks, Siri. “Hey, Siri, how do you spell this or this or that?” I didn’t teach her that. All of this came on her own. She’s using Siri for a few stuff for work, and I’m quite surprised in a very smart, useful way. It’s like, that’s great. She doesn’t need to ask me. She can ask by herself. She’s more autonomous. Why not? It’s a very efficient way for her to work and learn about the world. I probably feel sad when she asks Siri if she’s her friend. That does not feel right to me. But I would say so far, so good. I’ve seen only AI as a useful tool and with absolutely very limited risk. At the same time, for sure, we don’t let our kid close to any social media or the like. I think some of this stuff is for sure dangerous. I think as a parent, you have to be very careful before authorising any social media. I guess at some point you have no choice, but I think you have to be very careful, very gradual, and putting a lot of controls and safety mechanism I mean, you talk about kids committing suicide. It’s horrible. As a parent, I don’t think you can have a bigger worry than that. Suddenly your kids going crazy because someone bullied them online, because someone tried to extort them online. This person online could be someone in the same school or some scammer on the other side of the world. This is very scary. I think we need to have a lot of control on our kids’ digital life as well as being there for them on a lot of topics and keep drilling into them how a lot of this stuff online is not true, is fake, is not important, and being careful, yes, to raise them, to be critical of stuff, and to share as much as possible with our parents. I think We have to be very careful. But I would say some of the most dangerous stuff so far, I don’t think it’s really coming from AI. It’s a lot more social media in general, I would say, but definitely AI is adding another layer of risk. Nuno Goncalves PedroFrom my perspective, having helped raise three kids, having been a parent-like role today, what I would say is I would highlight against the skills that I was talking about before, and I would work on developing those skills. Skills that relate to curiosity, to analytical behaviours at the same time as being creative, allowing for both, allowing for the left brain, right brain, allowing for the discipline and structure that comes with analytical thinking to go hand in hand with doing things in a very, very different way and experimenting and failing and doing things and repeating them again. All the skills that I mentioned before, focusing on those skills. I was very fortunate to have a parental unit. My father and my mother were together all their lives: my father, sadly, passing away 5 years ago that were very, very different, my mother, more of a hacker in mindset. Someone was very curious, medical doctor, allowing me to experiment and to be curious about things around me and not simplifying interactions with me, saying it as it was with a language that was used for that particular purpose, allowing me to interact with her friends, who were obviously adults. And then on the other side, I have my father, someone who was more disciplined, someone who was more ethical, I think that becomes more important. The ability to be ethical, the ability to have moral standing. I’m Catholic. There is a religious and more overlay to how I do things. Having the ability to portray that and pass that to the next generation and sharing with them what’s acceptable and what’s not acceptable, I think is pretty critical and even more critical than it was before. The ability to be structured, to say and to do what you say, not just actually say a bunch of stuff and not do it. So, I think those things don’t go out of use, but I would really spend a lot more focus on the ability to do critical thinking, analytical thinking, having creative ideas, obviously, creating a little bit of a hacker mindset, how to cut corners to get to something is actually really more and more important. The second part is with all of this, the overlay of growth mindset. I feel having a more flexible mindset rather than a fixed mindset. What I mean by that is not praising your kids or your grandchildren for being very intelligent or very beautiful, which are fixed things, they’re static things, but praising them for the effort they put into something, for the learning that they put into something, for the process, raising the

Welcome to a special end-of-the-year series on Making Risk Flow as we count down the weeks to the end of 2025. The series is a collection of our top episodes from this year based on views, downloads, and overall engagement. Each Tuesday, we will re-release one standout episode as we build up to releasing our top fan favourite on the last Tuesday.In this episode, host Juan de Castro sits down with Marcus Ryu, former CEO and current strategic adviser at Guidewire Software. Marcus shares his journey from management consulting to co-founding one of the leading software providers for the property and casualty insurance industry. He offers candid insights into the trials and triumphs of entrepreneurship, including pivotal moments such as navigating a competitive lawsuit and transitioning to the public markets.A central aspect of Marcus's story is Guidewire's contrarian belief in the power of vertical solutions. By developing mission-critical software tailored to the specific needs of the P&C insurance sector, Guidewire revolutionized how insurers manage claims, policies, and billing. Now a partner at Battery Ventures, Marcus discusses how his experiences at Guidewire inform his approach to investing in the next generation of startups. From the importance of customer-centricity to leveraging technology to solve real-world problems, this conversation is packed with actionable insights for founders and industry professionals alike.Whether you're revisiting the episode or viewing it for the first time,  this episode offers tactical guidance for actionable insights for founders and industry professionals alike.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Message our hosts, Kieran and Jose.On Season 3 of The Animal Heartbeat, we have been privileged to be joined by a number of cardiology icons - legends in their field. As we come towards the season close, we are joined by Dr Julie Rosser, CEO of the EBVS and a Board Certified ACVS and ECVS Surgeon with a back ground in large animal work in both the USA and Europe. Julie has a broad perspective on the impact of veterinary specialism, and the challenges and opportunities for specialists in 2025.Join Dr Rosser and our hosts, Jose and Kieran, for a wide-ranging discussion that will contain a number of points for reflection no matter what your level of experience or field of interest in the veterinary world.

Finance and Coffee sat down with Ryan Gair, CEO from Rate Money, discussing the lender's rapid growth and unique business model since its founding in 2019.Rate Money has experienced exponential growth, escalating from approximately 15 franchises to 41 across the Eastern seaboard (Queensland, New South Wales, and Victoria). Their current goal is to reach 55 "high-performing" franchisees, with expansion planned for South Australia and other key locations. The company reports over $11 billion in total settlements since inception, with $9.7 billion settled on their own product, and $4.3 billion of funds under management.The core of Rate Money's strategy is specialisation. They exclusively focus on AltDoc (Low Doc) and self-employed lending, differentiating themselves from competitors who offer a wider, less specialised product range. This niche focus helps streamline their marketing, messaging, and target clientele.Rate Money operates as a mortgage manager, allowing them to offer bespoke products not available through third-party channels. Key examples include:Alt Doc Loans for self-employed AustraliansConstruction Low Doc Product: They were one of the first to market with this highly sought-after product.One-Year Tax Return Product: Designed to compete with major lenders while catering specifically to the self-employed customer.Customer-Centric Fees: Their prime Low Doc products typically feature no application fee, no valuation fee, and no risk fee, providing a streamlined and predictable process for the customer.Significant Growth and FocusExclusive Products and Unique Value

In episode 238 of Commercial Real Estate Leadership, Darren Krakowiak explores why specialisation and focus are essential for commercial real estate success.  In the final part of his interview on Real Estate Renovators with Rex Afrasiabi and Chanell McAsey, Darren discusses how to define your niche, resist distractions, and deliver stronger results for your clients. He also shares updates on CRE Success Agent Accelerator, including new weekly coaching calls, the addition of a mindset coach and an accountability coach, and the importance of building a supportive commercial real estate community. Listeners will gain insights on how to balance growth with focus, how passion fuels performance, and how to avoid the shiny object syndrome that pulls many professionals off course. What You'll Learn in This Episode:

A live panel unpacks how accounting tech reshapes advisory, global work, and lifestyles: covering cloud, AI, ethics, niche healthcare, and why some accountants invest in apps. Guests: Gardner, Falcon Huerta, Chard. Summary Host Heather Smith moderates a lively panel on accounting + technology at the Brisbane Chartered Accountants Australia New Zealand offices. Guests:  Alex Falcon Huerta FCCA (Soaring Falcon) https://www.linkedin.com/in/alexfalconhuerta/  Kelly Chard (GrowthMD) https://www.linkedin.com/in/kellychard/  Paul Gardner (fresh accounting) https://www.linkedin.com/in/paul-gardner-3b85322/  In this episode, we talk about . . . Cloud tools lower barriers for boutique firms; data enables deeper advisory. Lifestyle design: remote teams, digital-nomad workflows, and flexible careers. Global work: Hong Kong/Singapore complexities—multi-entity, multi-currency, consolidation. Specialisation: healthcare niche delivers powerful benchmarking and insight. Founders as investors: why accountants back apps they implement. AI: more a shift than a threat; ethics and guardrails remain paramount. Practical stack talk: standardising platforms, comms, and change management. Apps & Tools Mentioned: Xero, Sage, NetSuite, SAP, Expensify, Dext, Microsoft Teams, Microsoft Copilot, Excel, WhatsApp, Brieff, Otter.ai Contact details: Accounting Apps newsletter: http://accountingapps.io/  Accounting Apps Mastermind: https://www.facebook.com/groups/XeroMasterMind  LinkedIn: https://www.linkedin.com/in/HeatherSmithAU/  YouTube Channel: https://www.youtube.com/ANISEConsulting  X: https://twitter.com/HeatherSmithAU

From Garage to Growth: Building a 7-Figure Niche Firm What happens when you trade rugby dreams for spreadsheets? In this episode, I sit down with Wes Rashid, founder of Accountancy Cloud – a firm that went from a one-man-band in a garage to 30+ staff and £2m in revenue. You'll hear: → Why Wes left a safe career path to serve startups → The mindset shift that led him to go all-in on a niche → How he scaled his team, set up pods, and built systems → The biggest lessons from going from generalist to tech specialist We also talk: → Starting with no clients and no clue → Building confidence through proof points → Why clarity in messaging changed everything If you're thinking about niching, or wondering what it really takes to grow fast without losing your soul – this one's for you. Take a listen and message me on LinkedIn with your biggest takeaway. ------- If you've enjoyed my podcasts, here's how you can get more value from me: Free stuff Get a free copy of my book The Four Pillars from here Watch a short 8 min video on how you can win new clients whilst you sleep here Join 1500+ accountants owners in the Profitable Accountant Free Facebook group My inner-circle Join 150+ accounting firm owners in the Profitable Accountants Community (the PAC) to get access to the tools, training and tribe to help you grow your firm - without wasting time and money doing it the hard way. Join the PAC NOW! For larger sole practitioner firms wanting more support, direction and accountability, access the Profitable Accountants Mastermind including 1-2-1 access to me If you're going to create an account and use OnlineJobs.ph use my affiliate link here and i'll get a few pennies back in return to fund my coffee addiction

This episode is all about Hand in Hand Support Coordination. Minh talks to Katalin Jakus, who runs a business that distinguishes itself from other Support Coordination brands through several unique features and approaches:1. Person-Centred, Holistic ApproachHand in Hand employs a deeply person-centred and holistic model of support coordination. This means they focus on understanding the whole individual—mental, social, physical, and emotional wellbeing—not just the disability. They prioritize listening to the participant's goals, preferences, and lived experiences to tailor support plans that truly reflect the person's unique needs and aspirations.2. Specialisation in Complex Needs and Mental HealthKatalin's business has a strong focus on participants with complex mental health and physical disabilities. Their expertise includes supporting people with multiple diagnoses and trauma backgrounds, which requires nuanced understanding and coordination across various government and community sectors such as Health, Mental Health, Justice, and Education.3. Comprehensive and Flexible Funding AcceptanceHand in Hand accepts a wide range of funding arrangements, including NDIS NDIA-managed, self-managed, plan-managed, and self-funded clients. They also welcome referrals from TAC (Transport Accident Commission) and WorkSafe, offering flexibility that suits diverse participant circumstances.4. Specialist Brokerage ServiceThey provide a specialised brokerage service that supports unregistered NDIS Support Coordinators to maintain compliance and deliver uninterrupted, high-quality services. This service helps with participant onboarding, data management, registration audits, and NDIA fund claims processing, which is not commonly offered by all support coordination providers.5. Strong Industry Connections and Collaborative NetworksHand in Hand builds trusted partnerships with third-party providers to ensure the best fit for each participant's unique requirements. Their collaborative approach fosters a resilient network of supports around the participant, enhancing crisis management and ongoing support planning.6. Experienced LeadershipKatalin brings extensive experience from crisis care and disability support roles, along with academic qualifications in Disability Studies and Positive Behaviour Support. Her leadership ensures a high standard of service delivery informed by practical experience and ongoing professional development.https://www.hihvic.com.au----------------------Send us a textNDIS PROPERTY AUSTRALIA:Our team conducts thorough research on Specialist Disability Accommodation (SDA) and provides appropriate technical advice through premium and strategy-based solutions. We also use complex feasibility calculation spreadsheets to help investors understand the expected annual income of an SDA dwelling, the timeline stages of construction of their property, as well as revealing the hidden costs. By staying up-to-date with the latest SDA data and pricing payments information, we help clients make better-informed decisions and achieve their investment goals.FOLLOW US:LinkedInInstagramFacebookCONTACT:Please feel free to call us on 1300 254 397 to talk to one of our friendly staff, otherwise, just pop on over to our website to find out more.For any podcast related queries or suggestions, please contact our podcast team via podcast@ndis.property

If you've ever felt like your business energy fluctuates wildly through the month, you're not imagining it—and you're not alone. In this deeply supportive episode, Clara is joined by Naturopath Tayla Lovering of Wild Health Studio to talk about the luteal phase: the often misunderstood and emotionally charged part of the menstrual cycle.We're diving into PMDD, period pain, ovulation symptoms, and other health challenges that quietly sabotage momentum for so many women in business. Tayla shares practical, empowering shifts you can make to support your hormones, stabilise your cycle, and restore clarity so you can grow your business with more ease and less resistance.Tune in to hear:What your luteal phase might be trying to tell you.Simple lifestyle shifts to reset your cycle and support your body.The connection between business burnout and hormonal imbalance.How to work with your cycle, not against it.Find the Complete Show Notes Here -> https://sigmawmn.com/podcastIn This Episode, You'll Learn:How the luteal phase impacts your energy and productivity.What to do if you're struggling with PMDD, ovulation pain, or hormonal symptoms.How rest, nourishment, and mindset shifts can create consistent progress in business.The importance of cycle syncing as a foundational business strategy.Themes & Time Stamps:[00:00] Introduction and Guest Introduction[03:45] Tayla Lovering's Specialisation in Naturopathy at Wild Health Studio[04:39] Connection Between Gut Health and Hormonal Health[06:11] Detoxing and Hormonal Balance[08:06] Exercise and Stress Management[11:03] Cycle Awareness and Quick Tips[19:11] Business and Health Alignment[23:50] Reflecting on Business Intensive[30:02] Ways to Work with Naturopath Tayla Lovering at Wild Health StudioFree Offerings to Get You Started:Work smarter, not harder with the FREE Cycle Syncing for Business GuideWant to support the podcast? Donate todayResources:Aligned Business Intensive – FINAL opportunity for 2025Branding with Sigma StudioConnect with Tayla on InstagramBook a Discovery Call with TaylaRepurpose Ai: Streamline your content creation and repurpose effortlessly with Repurpose Ai.Later Content Scheduling: Simplify your social media strategy with Later.Flodesk: Elevate your email marketing with Flodesk – get 50% off your first year using this link.Other Resources:Submit a question to be featured on the podcast and receive live coaching! Send a voice note or fill out the question form.Where To Find Us:Instagram: @sigma.wmnTikTok: @sigma.wmnNewsletter: Subscribe here.Threads: @sigma.wmn.

Kristina Russell is a highly accomplished and dynamic hair colourist and educator with over two decades of experience at the forefront of the industry. Renowned as the go-to expert for reds and pastel hair, and the author of 'The Ultimate Guide to Hair-Painting for Redheads', Kristina's expertise extends to blondes and corrective colour, underpinned by her technical skill and artistic flair, which earned her the prestigious title of 'Australian Hair Expo Colour Technician of the Year' in 2010. As an independent educator since 2017, she coaches hairdressers of all levels through her unique learner-focused programs and has pioneered accessible education through various platforms, including being the first hair colourist to launch a podcast, alongside workshops, digital resources, and her role as the Australian Ambassador for the Dresscode Project, championing inclusivity within the hairdressing industry.https://kristinarussell.com.au/Email: hello@kristinarussell.com.auColour Kristina Talks Podcast on iTuneshttps://podcasts.apple.com/nz/podcast/colour-kristina-talks-podcast/id1490781679Colour Kristina Talks Podcast on Spotifyhttps://open.spotify.com/show/7ITjqHmOpiJnyZb7ZUHKgsInstagram https://www.instagram.com/colourkristina/Facebook https://www.facebook.com/ColourKristina/The Shop https://kristinarussell.com.au/the-shop/The Podcast Blog https://kristinarussell.com.au/the-blog/Pinterest https://www.pinterest.com.au/colourkristina/boards/Hair Painting for Redheads https://kristinarussell.com.au/online-elevate-your-craft/

In this episode of The Quest for Success Podcast, we sit down with Gennady Galanter, an AI expert and entrepreneur, to explore his inspiring journey from a challenging upbringing in the Soviet Union to building a successful business in the United States. Gennady reflects on the challenges of immigration, the power of mentorship, and how resilience and adaptability helped shape his entrepreneurial success.Gennady shares insights on strategic project management, opportunistic growth in technology, and the future of AI in a rapidly evolving world. He discusses the importance of specialisation, the role of personal relationships in business, and how AI and data consulting are transforming industries. With expertise in Serebral AI, Gennady provides a fascinating glimpse into the next frontier of artificial intelligence and its implications for society, business, and the future of work.This conversation is packed with valuable insights for entrepreneurs, tech enthusiasts, and AI professionals looking to stay ahead in a world driven by innovation and adaptability.Key Takeaways: • Success is measured by the positive impact we have on others. • Taking risks can lead to unexpected opportunities. • Mentorship plays a crucial role in personal and professional growth. • Specialisation is key for long-term success in AI and business. • AI and data consulting are rapidly transforming industries. • Adaptability is essential for overcoming obstacles and scaling businesses.Subscribe for more insights from top industry leaders and innovators!Follow us on all your favourite platforms:Youtube: https://www.youtube.com/@TheQuestforSuccessPodFacebook: https://www.facebook.com/people/The-Quest-For-Success-Podcast/61560418629272/Instagram: https://www.instagram.com/thequestforsuccesspod/Twitter: https://x.com/quest4success_LinkedIn: https://www.linkedin.com/company/the-quest-for-successTikTok: https://www.tiktok.com/@thequestforsuccesspodWebsite: www.thequestforsuccesspodcast.com Please share this around to anyone you think will get value from it : )

“Did you know the AVMA doesn't actually require a residency to become a specialist?”Yeah, neither did we—until Dr. Matt Booth dropped that fact-bomb.And it's bigger than just an interesting fact - it's a mindset shift that cracks the door wide open to alternative routes to specialisation—for veterinarrians who want to grow their careers, but can't jump through the hoops of the traditional residency pathway.So, if you are:- Ambitious, but feeling a bit stuck- Limited by the realities of life outside the clinic- Or just curious about your options in veterinary medicineThis one's for you.Join us for part 2 of our conversation with Dr. Matt Booth—former ER practice owner and  ER practice development lead at Ethos Veterinary Health—as we rethink what's possible in the future of specialisation.Topics and Time Stamps02:04 Alternative Specialisation Routes03:17 Challenges and Benefits of Non-Traditional Paths09:17 Exploring the Hybrid Credentialing Path19:31 Podcast Recommendations21:54 Pass along questionJoin our community of Vet Vault Nerds to lift your clinical game and get your groove back with our up-to-date, easy-to-consume clinical episodes at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠vvn.supercast.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.Get help with your tricky cases in our ⁠⁠⁠⁠⁠⁠⁠⁠Specialist Support Space.⁠⁠⁠⁠⁠⁠⁠⁠V⁠⁠isit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thevetvault.com⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠for show notes and resources related to this episode.⁠Subscribe to our weekly newsletter⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠ ⁠for Hubert's favourite clinical and non-clinical learnings from the week.

Dr. Jean Côté is a professor at Queen's University in Ontario, Canada. His research primarily focuses on athlete development, coaching, and the role of parents in sport.How does early specialisation impact long-term success? What role do parents play in shaping an athlete's journey? And are we focusing too much on winning at the expense of personal development? Jean has dedicated his career to answering these questions, challenging the myths around talent development, and advocating for a more balanced approach to youth sport.Expect to learn why sampling multiple sports benefits young athletes, the dangers of over-specialisation, how transformational coaching can foster intrinsic motivation, and the role of sport in developing confidence, character, and life skills—and much more.Try my app:Get 20% of MindStrong Sport app subscriptions⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠mindstrongsport.com/checkout⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (Use codemindstrongpodcast)Get in Touch:⁠⁠Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@lewishatchett⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@lewis_hatchett⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To sponsor or contact the show visit: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠podcast.lewishatchett.com⁠⁠⁠⁠⁠

Ireland's three Regional Assemblies, in collaboration with the All-Island Research Observatory (AIRO) at Maynooth University, are proud to announce the launch of the National Census Atlas, a groundbreaking tool that provides an unprecedented view of over 200 social, economic, and environmental indicators at the neighbourhood level across Ireland. Alongside this, a new section on the Regional Development Monitor (RDM) dedicated to key Smart Specialisation Strategy (S3) indicators is also being unveiled. This pioneering atlas is hosted on the Tailte Éireann GeoHive platform via the Regional Development Monitor (RDM), enabling users to explore a wealth of data in an accessible and interactive format. From housing trends and employment statistics to environmental factors, the atlas delivers valuable insights for policymakers, researchers, businesses, and citizens alike. The National Census Atlas offers: Neighbourhood-level insights: Detailed mapping of data for informed decision-making at the local level. Comprehensive indicators: Over 200 datasets covering critical aspects of Irish life, including demographics, social and cultural factors, education, health and wellbeing, housing, employment and economy, communications and ICT, and transport and commuting. User-friendly access: An intuitive interface powered by the GeoHive platform, making data exploration straightforward for all users. All data in the atlas comes from the Central Statistics Office (CSO) Census 2022 results, ensuring the most up-to-date and accurate representation of Ireland's social and economic characteristics. A Resource for Evidence-Based Planning and Beyond The National Census Atlas is primarily aimed at supporting the planning sector in Ireland, providing a robust resource for evidence-based planning and policymaking. It will be a useful support tool for Government Department and State bodies, local authorities, community groups and planning consultants. However, its applications extend far beyond, offering valuable insights for secondary and third-level students in understanding the social and economic characteristics of the country. Examples of the Tool in Use The National Census Atlas illustrates its potential to support current and future policy development for key social issues. For instance: Population change: The tool shows levels of population change over the last twenty years, highlighting areas of major population growth alongside regions experiencing continual population decline. Household heating sources: The atlas details variations in household heating methods within and across counties, providing essential data for policies aimed at achieving a just transition from fossil fuels. Employment clustering: Insights into the clustering of employment in sectors such as agriculture, manufacturing industries, and professional services can guide regional economic development strategies. Religious affiliation trends: The tool reveals differing trends in religious affiliation between urban and rural areas, offering a nuanced understanding of cultural shifts. Commuting patterns: Detailed data on commuting patterns to cities and large towns helps inform transport and infrastructure planning. Setting Ireland Apart as an International Leader The National Census Atlas is unique in its scope and detail. No other country has developed a national resource as comprehensive as this, positioning Ireland as an example of international best practice. This innovative approach highlights Ireland's commitment to leveraging data for sustainable development and inclusive planning. Technological Advancements for Local Authorities One of the key advancements in this tool is its ability to allow local authorities to develop their own maps tailored to their specific areas - counties, cities and towns, local electoral areas and municipal districts. This feature empowers local authorities and elected members to better understand and respond to the unique needs of their commu...

Send us a textWelcome back my people! We are back in for a solo bonus episode this week to expand on PROGRESSIVE OVERLOAD, RECOVERABILITY & AUTO-REGULATION.I hope you enjoy this episode and as always you know where I am if you want to hear more on any of the topics covered.Discussions include:*Newbie gains and novel stimulus*Progressive overload*Training structure and timeline*Specialisation blocks*Gym equipment*Mind-muscle connection*Deloads and recoverability*Signs of over reach*Auto regulationWatch it here: https://youtu.be/vA61vy1bcA0Get in touch and share this episode @sarahparker_bb

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro is joined by Marcus Ryu, Co-founder of Guidewire, to explore his fascinating entrepreneurial journey and the transformative role of technology in the insurance industry.Marcus reflects on his nearly two decades of experience building Guidewire into a company that revolutionised insurance. From his early career at McKinsey to founding a startup in a traditionally conservative industry, Marcus shares his thoughts on overcoming the challenges of entrepreneurship, the importance of building complementary founding teams, and navigating the high-stakes world of sales.Together, Juan and Marcus also discuss the evolution of insuretech and its growing opportunities, Marcus' transition into venture capital, and the pivotal moments in Guidewire's history, including a legal battle with Accenture that nearly derailed the company.If you'd prefer to watch the episode instead, simply click here!To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Guest post by Adonis Celestine, senior director of Applause. 2025 will be the year of hyper-specialised Gen AI chatbots Up until now, generative AI chatbots have catered to a wide audience, who use them for a range of tasks like drafting emails, writing code, and conducting research. In 2025, we will start to see more hyperspecialised chatbots enter the market that are tailored to industries like healthcare, telecommunications, law, travel, etc. Unlike the generic Gen AI we are familiar with today, hyperspecialised Gen AI chatbots need to be trained on domain-specific data created by experts in each field, who also have the knowledge needed to gauge response accuracy and quality. This is important because, particularly in sectors like healthcare, where incorrect diagnoses or advice could have grave consequences, chatbots need to know what they are talking about. The good news for brands is that it's actually less intensive to train a Gen AI chatbot to perform very well in one specific area than to perform generally well across limitless topic areas and use cases. Businesses find Gen AI doesn't 'stack up' as legacy infrastructure hinders adoption Over the last couple of years, many companies launched Gen AI products that have not delivered value at best and completely failed at worst. In the rush to adopt the new technology, companies simply didn't spend enough time properly thinking their product through. They also didn't consider how difficult it is to get Gen AI's entirely new ecosystem to integrate with their legacy IT infrastructure. Data silos, compatibility issues, and change management challenges are causing problems. As with many projects that are often driven from the top down by company management, so much emphasis is put on speed to market that very serious concerns are overlooked. Little attention is given to 'minor' details like compatibility with existing systems or even thorough analyses of the use cases that could have the most impact on the business. Companies rolling out Gen AI products need to put more effort into the planning stage if they want to see a real return on investment. Automation gets a new lease with agentic AI in 2025 Despite its promise to streamline work, cut costs, and free up time, automation has not really delivered the productivity boost people imagined. While Gen AI has already driven automation forward through its code creation ability, it could not execute actions autonomously on the user's behalf. This will all change with agentic AI, which integrates with existing systems to perform actions. The combined power of generative and agentic AI means we can now automate entire processes end-to-end. Imagine you are having a conversation with a virtual health assistant: besides providing diagnostic information, soon it may be able to book a doctor's appointment for you, organise a taxi to the hospital and make a note to follow up on your recovery. The challenge in 2025 will be to integrate this technology with legacy IT stacks and upskill technical staff to navigate its complex architectures. In 2025, AI testing other AIs will become more mainstream You read it right: 2025, Gen AI will test Gen AI. The reason for this is that Gen AI is very difficult to test using traditional QA methods. Gen AI is nondeterministic, meaning that its responses are always unique and therefore impossible to predict. This complicates testing because some responses may pass tests while others fail. Large language models (LLMs) function on billions of parameters that control things like the relationship between words, contextual meaning and grammar, all of which need to be tested - which is logistically impossible for resource-constrained QA teams. Gen AI, on the other hand, has far greater computational power. Through techniques like benchmarking, where it compares Gen AI responses to example responses curated by humans, Gen AI can check all parameters in seconds. Techniques like these will become commonplace n...

Should you specialise as a singing teacher, or could staying generalist be the secret to a fulfilled career? This week, Alexa sits down with vocal coach Molly McLinden to explore the pros and cons of specialisation. Molly shares her experiences teaching everyone from teenage musical theatre hopefuls to karaoke-loving rockers, so tune in as they dive into the curious world of voice teaching with and without labels. QUOTE‘Jack of all trades master of none, though oftentimes better than master of one.'WHAT'S IN THIS PODCAST? 0:00-1:48 A typical day in the life of a singing teacher1:49-04:48 Deciding to specialise or not4:52-12:34 What is a specialist?12:34-17:38 Advantages of specialising18:11-24:37 Disadvantages of specialising24:37-32:27 Staying up to date32:27-34:21 Molly's studioAbout the presenter click HERERELEVANT MENTIONS & LINKS How to Balance a Teaching and Performance Career with Olly Christopher Melissa CrossSinging Teachers Talk - Ep.77 How to Teach Singing to Children with Dana LentiniSinging Teachers Talk - Ep.139 Understanding Play-Based Learning for Children and Young Adult Singers with Nikki LoneySchool of RockJoshua Alamu @madaboutthevoiceSing Up FoundationSinging Teachers Talk - Ep.181 The Role of Singing in Mental Wellness with Baz Chapman and Cell Barbara from the Sing Up FoundationNATSSinging Teachers Talk - Ep.157 What Singing Teachers Need to Know about NATS with Dr Kari RoganMusical Theatre Educators AllianceOlly Christopher @ollychristopher_vocalsSinging Teachers Talk - Ep.186 How to Balance a Teaching and Performance Career with with Olly ChristopherABOUT THE GUEST Molly McLinden is a Chicago based vocal coach and singer who has been teaching singers of all ages and styles for over twenty years. Previous and current students include an American Idol finalist, as well as professional musical theater actors and even punk rockers!A big fan of all styles and methods , She has trained with CoreSinging founder Dr. Meribeth Dayme, and recently became a certified Neuro-Vocal Method™ coach. Molly is also a proud member of the National Association of Teachers of Singing.Currently, she maintains a busy private studio where she teaches students in person as well as online. In addition to teaching singing, she also offers beginner level acting instruction, improv, speaking voice assistance, beginner level piano and music theory and ear training.  Website: vocalmolly.com Instagram: @vocalmolly Youtube:  https://www.youtube.com/@VocalMolly BAST Training is here to help singers gain the confidence, knowledge, skills & understanding required to be a successful singing teacher. Website: basttraining.com | Subscribe | Email Us | Join the Free FB Group "I am so glad I took the course! It has given me the confidence to move forward in my teaching knowing that I am practising safely, with a wealth of knowledge and support that I simply didn't have before! Hayley Ross, UK...more testimonials

Many advisers and business owners focus their time and attention on a specific niche. Gus from Spring Loans has directed his focus towards business lending. In this chat, Gus and I discuss strategy, his business journey and winning Commercial Adviser of the year in 2024.

Full show notes, transcript and AI chatbot - https://bit.ly/4fe0FrCWatch on YouTube - https://youtu.be/hSmKcauB_5E00:00:00 - Introduction to The Measure Pod 00:00:22 - The Future of Data Collection 00:01:00 - The Reality of Data Accuracy 00:02:45 - The Need for 100% Data Collection 00:03:23 - The Trap of Data-First Thinking 00:04:26 - Data Silos and Business Expectations 00:06:07 - Politics and Bureaucracy in Organisations 00:07:28 - The Evolution of Analytics Roles 00:09:05 - Specialisation vs. Generalisation in Analytics 00:10:13 - The Changing Landscape of Data Science 00:12:34 - The Role of Analysts in Decision Making 00:14:07 - The Future of Machine Learning in Analytics 00:17:21 - Advertisement 00:21:09 - Ethics in Data Collection 00:25:31 - Public Perception of Privacy 00:28:13 - The Future of Analyst Roles 00:36:33 - Conclusion and Audience Engagement-----Episode Summary:This week's episode of The Measure Pod was recorded live at MeasureCamp London, where Dan and Bhav discussed the future of analytics, specifically what it could look like in the next decade. The episode covered topics such as data accuracy, ethics, AI, and much more.-----About The Measure Pod:The Measure Pod is a podcast hosted by Daniel Perry-Reed the Principal Analytics Consultant and Trainer @ Measurelab and Bhav Patel then Director of Experimentation and Analytics @ LeanConvert - veteran practitioners of the marketing and product analytics industry. Join us, and the occasional guest, on our quest to make sense of the analytics industry, having some fun along the way.-----If you liked this episode, don't forget to subscribe to The Measure Pod on your favourite podcast platform and leave us a review. Let's make sense of the analytics industry together!The post #110 Live from MeasureCamp London 2024: analytics in 2034 appeared first on Measurelab.

Full show notes, transcript and AI chatbot - https://bit.ly/4fe0FrC Watch on YouTube - https://youtu.be/hSmKcauB_5E 00:00:00 - Introduction to The Measure Pod 00:00:22 - The Future of Data Collection 00:01:00 - The Reality of Data Accuracy 00:02:45 - The Need for 100% Data Collection 00:03:23 - The Trap of Data-First Thinking 00:04:26 - Data Silos and Business Expectations 00:06:07 - Politics and Bureaucracy in Organisations 00:07:28 - The Evolution of Analytics Roles 00:09:05 - Specialisation vs. Generalisation in Analytics 00:10:13 - The Changing Landscape of Data Science 00:12:34 - The Role of Analysts in Decision Making 00:14:07 - The Future of Machine Learning in Analytics 00:17:21 - Advertisement 00:21:09 - Ethics in Data Collection 00:25:31 - Public Perception of Privacy 00:28:13 - The Future of Analyst Roles 00:36:33 - Conclusion and Audience Engagement ----- Episode Summary: This week's episode of The Measure Pod was recorded live at MeasureCamp London, where Dan and Bhav discussed the future of analytics, specifically what it could look like in the next decade. The episode covered topics such as data accuracy, ethics, AI, and much more. ----- About The Measure Pod: The Measure Pod is a podcast hosted by Daniel Perry-Reed the Principal Analytics Consultant and Trainer @ Measurelab and Bhav Patel then Director of Experimentation and Analytics @ LeanConvert - veteran practitioners of the marketing and product analytics industry. Join us, and the occasional guest, on our quest to make sense of the analytics industry, having some fun along the way. ----- If you liked this episode, don't forget to subscribe to The Measure Pod on your favourite podcast platform and leave us a review. Let's make sense of the analytics industry together! The post #110 Live from MeasureCamp London 2024: analytics in 2034 appeared first on Measurelab.

Weightlifting came before powerlifting, but did you know weightlifting wasn't exactly the first barbell sport? Or rather, did you know that the first iteration of weightlifting was VERY different than what we see today in the Olympics? The history of weightlifting is fascinating, and in this episode of Iron Culture Drs Conor Heffernan and Cliff Harvey are back to share their experiences with, and the history of, All Around Lifting, the original barbell sport. With literally hundreds of potential lifts to compete in, All Around Lifters are barbell generalists rather than specialists, and both strong and versatile. Modern All Around meets are very similar to the original lifting competitions from the early 19th century before weightlifting centralised around the snatch, clean and jerk and clean and press (and eventually just the snatch and clean and jerk), and before modern strongman, powerlifting or CrossFit existed. While you may know Cliff Harvey as a nutrition researcher, he is also a former All Around world champion weightlifter and amateur historian. He shares his experience while Conor goes into the fascinating tale of how weightlifting began, and how modern All Around Lifting recaptures it. 00:00 Omar? And All Around lifting? 02:10 Welcoming back Drs. Conor Heffernan and Cliff Harvey and where everything lifting started 07:01 The format and how to prepare for All Around Lifting 15:11 The attraction of All Around Lifting 24:40 A deep dive into the history of All Around  38:49 Specialisation vs generalisation and accessibility of All Around 55:05 ‘Evidence-based' training and individualisation  1:05:28 Cliff's experience competing 1:15:10 Reframing your perspective and goals as you progress and age 1:20:35 Where to learn more about (and participate in) All Around Lifting and closing out https://www.iawa.uk/ https://www.usawa.com/ https://www.youtube.com/@USAWAVideos https://www.youtube.com/user/dinnie40

On the show this week, Dave Wright rejoins me for another episode of The Curious Mind. Our conversation focuses on another successful season for Dave coaching the Westlake Boys 1st XI and how he managed huge playing loads, the need for individualising support, how to build trust, markers of fatigue, the rise of specialisation in the NZ sporting system and what this means for player development, how to coach for confidence over competence, and more.  If you enjoy today's chat, please do me a massive favour and support the show by sharing it with your mates.Enjoy! Join 1000's of subscribers and sign up for Craig's newsletter, Beyond the Game, now. Learn more about how Craig can help you better understand your developing athletes to unlock their potential HERE.   Connect with Craig:Instagram: instagram.com/drcraigharrison/ Facebook: facebook.com/drcraigharrison Twitter: twitter.com/drcraigharrisonSupport the show

Want to know more about doctors' decision-making processes when choosing a specialty? Check out this article! Read the accompanying article here: https://doi.org/10.1111/medu.15368  

The top 50 secondaries investors globally raised $473.8 billion in the five years to the end of 2023, according to this year's SI 50. That's a 9 percent increase on last year's ranking, when $434.5 billion was recorded across a longer counting period of five-and-a-half years. Ardian took the top spot, raising $49.6 billion across the period, followed closely by Blackstone Strategic Partners, which raked in $49.5 billion. Lexington Partners, which holds the record for the largest secondaries fund ever raised, accumulated $36.7 billion in commitments, coming in at number three. Specialisation is driving much of this underlying growth – whether that be through asset class expansion, strategies focused down on LP-leds or GP-led deals, or picking a focus on a market segment with less secondary competition. Evergreen vehicles are also spurring on new avenues for secondaries capital raising. In this episode of Second Thoughts, senior reporter Madeleine Farman and Americas correspondent Hannah Zhang discuss how far these factors have driven growth in the SI 50 and how much room there is to grow further. See the full SI 50 ranking here

Ergo, one of Ireland's leading IT services providers, has achieved the Microsoft Modernise Endpoints specialisation, a recognition given to Microsoft partners globally who demonstrate deep knowledge, extensive experience, and proven success in delivering holistic solutions designed for the hybrid workplace. As the world of work changes and businesses continue to operate hybrid models of working, organisations need to manage and enable secure access to corporate resources across mobile, desktop, and virtual endpoints to better enable their workforce and set them up for success. This includes devices users need, operating systems that are secure by design, endpoint management solutions, and collaborative applications that are accessible from anywhere. Microsoft Capabilities The Ergo team works to embed a culture of collaboration and secure hybrid working inside global multi-site organisations, using Microsoft solutions such as Microsoft Intune, Microsoft 365, Windows Autopilot, Microsoft Defender for Endpoint, Microsoft Entra and Microsoft Azure Virtual Desktop Infrastructure to bring disparate workforces together for a seamless experience. Speaking on the recognition, Gerry Hampson, Client Management Practice Lead at Ergo, and Microsoft MVP, said: "In a world where workplaces are increasingly disparate, it is essential that organisations are set up for success when managing teams across multiple locations and geographies." "This achievement is testament to the hard work and dedication of the team here in Ergo, who are steadfast in their commitment to ensuring that our customers are set up for success through preparing them for today, while planning for tomorrow." Paul Chawke, Partner Development Manager at Microsoft said: "Ergo has a longstanding, 30-year long history with Microsoft achieving technological advancements and innovation in Ireland. This achievement recognises the work that Ergo are carrying out when it comes to equipping organisations for success through Modernize Endpoint solutions." Ergo has extensive knowledge and capabilities in the area of modern work, with one of the largest Microsoft practices in Ireland and five Microsoft MVPs (Most Valuable Professionals, the highest accolade a Microsoft engineer can be awarded), three of whom contribute to modern work areas such as Microsoft 365 Development and Enterprise Mobility. Ergo is also a Microsoft Solution Partner for Modern Work with specialisations in adoption and change management, meetings and meeting rooms for Microsoft Teams, and Modernise Endpoints. This expertise was recognised as Ergo took home the Microsoft Partner of the Year Award 2024. This is the sixth time Ergo has won the Country of the Year Award making it the most recognised Microsoft Partner in Ireland. See more stories here.

This episode is sponsored by UBS Asset Management and Proskauer Rose The global secondaries market has grown from roughly $47 billion in 2014 to more than $100 billion today. In Europe, fragmentation has led to some significant regional differences. However, it is also clear that many of the trends and dynamics found in the European market are the same as in North America – indeed, some of these developments occurred there first. In the penultimate episode of the Decade of Secondaries Investing podcast miniseries, we sit down with Jochen Mende, an executive director responsible for secondaries transactions at UBS Asset Management, and Bruno Bertrand-Delfau, partner and co-head of secondaries transactions and liquidity solutions at Proskauer Rose. The pair discuss how the European secondaries market has developed over the past decade, how it compares with the North American market and what's in store for GP-led and LP-led transactions globally. For full coverage of our Decade of Secondaries Investing series, including all podcast episodes and an interactive timeline, click here.

भारत में आर्थिक विश्लेषण अक्सर राज्य-केंद्रित होता है। हालाँकि, राज्यों के भीतर भी काफ़ी आर्थिक भिन्नताएँ हैं। भारत को क्षेत्रीय विविधता के नज़रिए से देखना शायद ज़्यादा सटीक होगा- 85 क्षेत्रों का देश, जिनमें से प्रत्येक की अपनी अर्थव्यवस्था, भौगोलिक पहचान, संसाधन और कुशलता हैं। इस नज़रिए से भारत कैसा दिखता है? क्षेत्रीय स्तर पर विश्लेषण से हम भारत के बारे में क्या सीख सकते हैं? इस विषय पर विस्तार से  चर्चा के लिए पुलिया पर जुड़ती है अर्थशात्री और लेखिका डॉ. पूर्णिमा डोरे।Economic analysis in India is often state-centric. However, there is quite some economic divergence even within states. It's probably more accurate to look at India through the lens of its regional diversity-a country of 85 regions, each with their own economy, geographic identity, resources and skill sets. What can we learn about India when we adopt this lens? To discuss this, we talk to Dr. Poornima Dore, an economist and author of ‘Regional Economic Diversity'. We discuss:* Why focus on regional diversity?* Are regions political entities too?* Understanding the agglomeration effect* Who comes first? Industry or people?* A lack of regional political consciousness?* Planning at regional level* Specialisation or Diversification?* Enabling conditions and organic growthReadings:Regional Economic Diversity: Lessons from an Emergent India by Poornima Dore and K. NarayananListen to related Puliyabaazi:भारत का भविष्य हमारे शहर तय करेंगे। Managing India's Cities ft. Devashish Dhar, Authorआंतरिक सुरक्षा: हालचाल ठीक-ठाक है? Internal Security in India ft. Devesh Kapur & Amit AhujaIf you have any questions for the guest or feedback for us, please comment here or write to us at puliyabaazi@gmail.com. If you like our work, please subscribe and share this Puliyabaazi with your friends, family and colleagues.Website: https://puliyabaazi.inHosts: @saurabhchandra @pranaykotas @thescribblebeeGuest: @PoornimaDore Twitter: @puliyabaazi Instagram: https://www.instagram.com/puliyabaazi/Subscribe & listen to the podcast on iTunes, Google Podcasts, Castbox, AudioBoom, YouTube, Spotify or any other podcast app. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.puliyabaazi.in

#audiomo Day7: Relevance in the Age of SpecialisationAs a generalist in a specialist's world, can I be truly heard? Is the age of the generalist a thing of the past in a world that seems to value ultra-specific niches? As generalists, can we even stay relevant, or are we all just doomed to be "jacks (and jills)-of-all-trades, masters of none" and ultimately ignored? 

In this episode of Classroom to Business, Kirsty offers invaluable insights into the strategic decision-making process for tutors pondering whether to specialise or diversify their tutoring services.  As she delves into the question, "Should I just specialise or niche down in one subject area for my tutoring business?", listeners are treated to a thorough analysis of the benefits and challenges associated with each approach. Her expertise sheds light on the impact of these decisions on the growth and direction of a tutoring business. Kirsty outlines the advantages of specialisation (niching down), including gaining expert status, streamlined marketing efforts and resource optimisation; all of these benefits contribute to a more clearly defined business model that can lead to higher efficiency and potentially greater success.  On the flip side, she acknowledges the perceived challenges such as a limited client base and the trade-offs in market reach. In drawing from her experiences and those of her clients, Kirsty strongly advocates for identifying and leveraging one's superpower – an area of expertise or a particular teaching approach that sets them apart. Specialisation vs diversification is not just a straightforward choice, but requires consideration of factors like market demand, personal passions and long-term objectives. By interweaving potential solutions, such as affiliate agreements and hiring specialised staff, Kirsty provides actionable strategies for overcoming any obstacles to achieving a profitable and satisfying tutoring business.   If you want help to define the direction of your tutoring business, then BOOK A FREE CALL HERE and chat one-on-one with Kirsty.   If you have a tutoring business and want to join the FREE 3-part mini course 'Tutoring Business Breakthrough', you can register HERE to secure your spot.  LOVE THE PODCAST?  Please make sure you leave a review.  I absolutely LOVE hearing from you. FULL SHOW NOTES AND OTHER LINKS HERE  

Are you constantly battling to stand out in the saturated market of generalist marketing agencies? For marketing agencies today, the challenge of differentiation and client attraction is a constant challenge, elevated by an inundation of competitors that often results in a diluted brand and a frustrating race to the bottom.  It's a common predicament that can leave you feeling lost in the crowd, impacting your agency's growth and profitability prospects. In this episode of The Agency Accelerator podcast, you'll gain insights into how to: 1. Master the art of specialisation to position your agency as the distinguished expert in a chosen niche, making your brand the obvious choice for clients. 2. Command premium rates confidently by offering specialised knowledge and services that are highly valued in the marketplace. 3. Attract your ideal clients with targeted and compelling messaging that resonates, reducing wasted time on mismatched business pursuits. Get ready to make your agency the leading choice for clients in your niche – hit play and let's dive in. Questions answered in this episode Q: What are the pitfalls of a generalist approach, and how does it hinder an agency's ability to stand out? Q: How does I go about identifying and defining a profitable niche for my marketing agency? Q: What practical steps should agencies take to craft messaging that resonates deeply with their target niche audience? Q: Can you dispel some common fears and misconceptions associated with narrowing down to a niche market? Q: How can agencies leverage content marketing and thought leadership to establish authority in their chosen niche? Q: In what ways does specialisation enable an agency to command higher rates and attract premium clients? Quotations "By niching down and specialising, you aren't closing doors—you're opening up to a world of opportunities to work with your ideal clients and deliver exceptional value." - Rob Da Costa Rate, Review, & Subscribe on Apple Podcasts “I enjoy listening to The Agency Accelerator Podcast. I always learn something from every episode.” If that sounds like you, please consider rating and reviewing my show! This helps me support more people like you to move towards a Self-Running Agency. How to leave a review on Apple Podcasts Scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then, let me know what you loved most about the episode! Also, if you haven't done so already, subscribe to the podcast. I'm adding a bunch of bonus episodes to the feed and, if you're not subscribed, there's a good chance you'll miss out. Subscribe now! Useful links mentioned in this episode: Niche Finder WorkbookDownload the free Ideal Client Persona WorkbookFurther information on the Creative Crew Community

"We can only do our best work for those that are aligned with what we believe and that tastes are similar. "Chris Do is an award-winning designer, educator, and host of The Futur YouTube and The Futur podcast. The discussion looks at topics such as the importance of specialisation, the challenges of creative careers, and the role of AI in the creative industry.Chris shares his journey from a humble beginning as a candy seller in school to becoming a successful entrepreneur and educator. He emphasizes the need for creatives to find their niche, focus on their strengths, and be selective about the clients they work with. The episode also explores the evolving nature of the creative industry, drawing parallels between the past and present, and the impact of new technologies like AI on the creative process.Key Takeaways:Specialise and focus on a specific area to become an expert and stand out in the market.Learn the language of business to communicate effectively with clients and stakeholders.Continuously seek new challenges and opportunities for growth, even after achieving success.Embrace AI as a tool to supplement and enhance your creative abilities, not as a replacement.Build a strong sense of self-awareness and confidence to overcome criticism and adversity.Overall, this episode provides valuable insights for creatives seeking to navigate the ever-changing landscape of their industry, while staying true to their artistic vision and embracing new technologies as tools for growth and innovation.Creativity For Sale: How to start and grow a life-changing creative career and business by Radim Malinic - Out now. Paperback and Kindlehttps://amzn.to/4biTwFcFree audiobook (with Audible trial)https://geni.us/8r2eSAQSigned Bookshttps://novemberuniverse.co.uk

Specialisation in the private equity industry has become part and parcel of its growth, with almost half of the roughly $785 billion raised for private equity strategies last year focused on non-buyout strategies. In this episode, senior editor Adam Le sits down with Richard Anthony, chief executive of investment bank Evercore's private funds group, to hear his advice for GP clients wanting to launch so-called 'ancillary' strategies. For more, check out privatequityinternational.com.

In this episode, Jai Long talks about how important it is for businesses to be really good at just one thing instead of trying to do lots of things okay. He explains that when you're really good at something, people trust you more and are willing to pay more for your services. Jai teaches us how to make a special webpage (sales page) that tells people exactly what we're good at and why they should pick us. Dedicated Sales page for each product and serive will be the game-changer for your business. We talk about sales page in-depth in Jai's coaching program: The Six-Figure Business Map Join Jai on a 3-day workshop to craft an offer to sell in your business. Grab your free ticket here: https://learn.jailong.co/cl-launch-24-workshop ----- All Jai Long's Details: Jai Long's Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://jailong.co/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join the Six-Figure Business Map: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://sixfigurebusinessmap.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Say hi To Jai Long on Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@Jailong.co ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Leave a review on the Apple podcast app with the link below: ⭐️⭐️⭐️⭐️⭐️  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/au/podcast/creative-business-make-your-break-podcast/id1479145264⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Wedding Photography Summit - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://weddingphotographysummit.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube Channel: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UC5nLrLzaJWItTgoNhe-y1sw⁠⁠⁠⁠⁠⁠ Episode Sponsor: Pepperstorm (copywriting and SEO) : ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://jailong.co/pepperstorm

Struggling to focus your agency's offerings?Marketing pro, Brian Gerstner of White Label IQ explains how splitting his firm's development arm into a separate white-label business fueled growth for both companies. Gain tactics on building trust to overcome client skepticism.Discover why AI won't reduce workload but rather accelerate delivery. Find out how to leverage automation to systemise processes so you can delegate and scale.Get proven relationship-building ideas to convert contacts into customers. Learn the common mistake killing content campaigns and how to fix it.Hear Brian's favourite book for delivering radical candour to empower your team. Take away an inside look at the AI trends that agencies are adopting behind the scenes.Tune in for an transparent peek behind the agency curtain and actionable techniques to streamline systems, boost trust and focus your offerings.Search the whole Internet's podcasts Listen Notes, The Best Podcast Search EngineTest before you invest - with PickFu Run a poll and get in-depth feedback from real people in minutes. Coupon: THEUNNOTICEED#1 Release Distribution Service Tell the World about Your Company with e-releases. $130 Off Newsmaker distribution.Buyers Into Loyal Fans With Incentives Give away free marketing incentives including free hotel nights. Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the showAm I adding value to you?If so - I'd like to ask you to support the show.In return, I will continue to bring massive value with two weekly shows, up to 3 hours per month of brilliant conversations and insights.Monthly subscriptions start at $3 per month. At $1 per hour, that's much less than the minimum wage, but we'll take what we can at this stage of the business.Of course, this is still free, but as an entrepreneur, the actual test of anything is if people are willing to pay for it.If I'm adding value to you, please support me by clicking the link now. Go ahead, make my day :)Support the show here.

As brokers, it's easy to think more clients equals more money but this isn't necessarily the case.Specialisation is where it's at.When you specialise, you attract more clients, your process is simpler and your revenue and profit increase exponentially.By zeroing in on a niche you're passionate about, you very quickly become the expert.In this week's episode of the Mortgage Broker Acceleration Podcast James Veigli and Ash Playsted discuss how specialisation is all about creating a business that's focused, efficient, and driven by purpose.When your business changes lives, success follows naturally.The Key QuestionsHow does being a specialist broker lead to earning more and working less?What challenges do brokers face when considering specialisation, and how can they be overcome?How does passion and purpose tie into selecting a niche for specialisation?What You'll DiscoverHow to transition from the 'solve every problem' approach to specialisation (4:05)Understanding the significant impact of specialisation on business efficiency (11:24)Why it's important to zoom into deeper, more focused market segments (14:52)Accelerate FasterYou can visit Broker Ideas Group to learn more about us, access special events and download useful resources designed exclusively for mortgage brokers.Want to work with James, Ash and the BIG team to grow your mortgage business faster? Our Growth Coach team can help you. Let's talk!

Tokenisation takes a big asset and breaks it down into smaller, more consumable pieces – Mesh.trade CEO and co-founder Connie Bloem.

The annual RAF Training Specialisation Conference has just taken place at RAF Halton. Military Training Specialists are at the very heart of preparing future forces personnel to be able to deliver the capability to 'fly and fight'.  AS1 Emma Kirwan caught up with some of those at the conference to hear about their plans and challenges.    

This evening, I am joined by Paul Clark, Head of European Property for AustralianSuper. AustralianSuper manages £125bn of assets under management, and has made prolific investments in the UK development including Related Argent's Kings Cross and British Land's Canada Water. Prior to joining AustralianSuper Paul was the Chief Investment Officer for The Crown Estate and held the reins for the 8.5bn portfolio of the Church Commissioners. You can join in the discussion using our LinkedIn group: https://www.linkedin.com/groups/9054319/Please keep your questions and voicenotes coming. It is best to contact me on LinkedInThese takeaways reflect the key themes and insights shared by Paul Clark in the podcast, offering valuable lessons for leadership and success in the real estate sector and beyond:1. Purpose and Values-Driven Leadership: Paul emphasises the importance of working in organisations that have a clear sense of purpose and are values-led. It's essential to align your personal values with the values of the organization you work for.2. Team Management: Leadership involves being authentic, showing interest in people, and building trust. Maintain transparency, accountability, and encourage an open and honest environment within your team.3. Business Focus: When leading a team or organisation, it's crucial to maintain clarity in your strategy and purpose. This helps in decision-making, goal setting, and creating a cohesive vision for the team.4. Focus on Excellence: In real estate and business in general, focus on doing a few things exceptionally well. Specialisation and in-depth expertise in specific sectors or geographies can provide a competitive advantage.5. Cultural Alignment: When engaging in joint ventures or partnerships, cultural alignment between organisations is a critical factor for success. Ensuring that both parties have a similar long-term perspective and values can lead to productive collaborations.6. Consistency and Honesty: Leaders should be consistent in their messaging and actions. Honesty and clarity are essential, and it's crucial to say what you genuinely believe while being respectful in communication.7. Adaptation and Continual Learning: Throughout Paul's career, he highlighted the importance of adaptation and learning. When taking on new roles or challenges, be open to learning and evolving to meet new demands and environments. Hosted on Acast. See acast.com/privacy for more information.

SummaryShrimp Welfare Project launched in Sep 2021, via the Charity Entrepreneurship Incubation Program. We aim to reduce the suffering of billions of farmed shrimps. This post summarises our work to date, what we plan to work on going forward, and clarifies areas where we're not focusing our attention. This post was written to coincide with the launch of our new (Shr)Impact page on our website.We have four broad workstreams: corporate engagement, farmer support, research, and raising issue salience. We believe our key achievements to date are:Corporate engagement: Our Humane Slaughter Initiative (commitments with large producers to purchase electrical stunners, such as MER Seafood, and Seajoy), ongoing conversations with UK retailers (including Marks & Spencer, who now have a published Decapod Welfare Policy), and contributing to the Aquaculture Stewardship Council's (ASC) Shrimp Welfare Technical Working Group.Humane Slaughter Initiative: This work in particular seems to be our most promising work so far, and we Guesstimate that our work [...] ---Outline:(06:06) Our Work So Far(06:18) Corporate Engagement(07:35) Farmer Support(08:54) Research(10:58) Raising Issue Salience(12:16) What Were Doing Now(12:37) Humane Slaughter Initiative(14:54) Sustainable Shrimp Farmers of India (SSFI)(16:22) Shrimp Welfare Index(18:24) What We Arent Doing(19:21) Wild-Caught(22:00) Specialisation work(25:12) ”Shrimp-Inclusive” work(27:45) How You Can Help(27:48) Funding(28:17) ASC stakeholder consultation(29:27) Volunteer or work with us(30:21) Newsletter and social media(30:57) Start a “shrimp welfare project”--- First published: September 25th, 2023 Source: https://forum.effectivealtruism.org/posts/Qo3559TqP5BzoQyWX/two-years-of-shrimp-welfare-project-insights-and-impact-from --- Narrated by TYPE III AUDIO.

Summary Shrimp Welfare Project launched in Sep 2021, via the Charity Entrepreneurship Incubation Program. We aim to reduce the suffering of billions of farmed shrimps. This post summarises our work to date, what we plan to work on going forward, and clarifies areas where we're not focusing our attention. This post was written to coincide with the launch of our new (Shr)Impact page on our website. We have four broad workstreams: corporate engagement, farmer support, research, and raising issue salience. We believe our key achievements to date are: Corporate engagement: Our Humane Slaughter Initiative (commitments with large producers to purchase electrical stunners, such as MER Seafood, and Seajoy), ongoing conversations with UK retailers (including Marks & Spencer, who now have a published Decapod Welfare Policy), and contributing to the Aquaculture Stewardship Council's (ASC) Shrimp Welfare Technical Working Group. Humane Slaughter Initiative: This work in particular seems to be our most promising [...] ---Outline:(00:08) Summary(06:22) Our Work So Far(06:35) Corporate Engagement(07:54) Farmer Support(09:14) Research(11:21) Raising Issue Salience(12:40) What Were Doing Now(13:01) Humane Slaughter Initiative(15:23) Sustainable Shrimp Farmers of India (SSFI)(16:53) Shrimp Welfare Index(18:59) What We Arent Doing(19:56) Wild-Caught(22:39) Specialisation work(25:55) ”Shrimp-Inclusive” work(28:31) How You Can Help(28:34) Funding(29:04) ASC stakeholder consultation(30:15) Volunteer or work with us(31:11) Newsletter and social media(31:49) Start a “shrimp welfare project”--- First published: September 25th, 2023 Source: https://forum.effectivealtruism.org/posts/Qo3559TqP5BzoQyWX/two-years-of-shrimp-welfare-project-insights-and-impact-from --- Narrated by TYPE III AUDIO. ---Images from the article:Apple Podcasts and Spotify do not show images in the episode description. Try Pocket Casts, or another podcast app.

Simon Johansson is the CEO of Nordic SeaFarm and has been working in the aquaculture industry for 5+ years and has a strong passion for the ocean. With a background from Management Consulting and working in the Middle East, North America and Europe he has acquired strong knowledge from various cultures and companies now being applied to scale up Nordic SeaFarm to become the pioneering seaweed company in Europe going forward.  * Check out the ⁠Inside Seaweed Newsletter⁠! Just one short email per month, no spam and you can cancel at any time. Would you like to get a super short email from me every month, with three actionable insights for your seaweed business? I will search the seaweed industry for the most important lessons, the most useful conclusions and relevant actions, condensed into a half page that I will share with you, each month. It's easy to sign up and just as easy to cancel. If you'd like to give it a try, head over to ⁠insideseaweed.com ⁠ * [1:05] Seaweed home-made pesto recipe. [3:12] The global food crisis and how the ocean can play a role. [6:10] Problem-solution fit, what is the problem we are trying to solve? [8:50] Developing a downstream market for seaweed-based food products. [15:40] Beyond taste, using seaweed as a functional ingredient in food products. [21:20] Changing public perception about a new crop. [23:00] Disrupting the food industry with innovative seaweed products. [29:20] Vertical integration Vs. Specialisation. [33:15] Product innovation and focusing on the customer. [35:35] Growing other species of seaweed beyond kelp. [36:20] How to enter the seaweed industry and have positive impact. [37:00] Pursuing product-market fit. Testing, metrics and product development. [42:20] Need for expertise in developing tasty but industrialised. [43:45] The importance of lowering price and the risk of making seaweed a commodity. [46:50] Collaboration and competition [47:50] Opportunities in growing and using high value species such as sea lettuce and dulse * Useful Links: Simon Johansson on LinkedIn Nordic SeaFarm: Website, LinkedIn, Facebook and Instagram * Inside Seaweed's host is Fed DeGobbi, get in touch on ⁠LinkedIn⁠, ⁠Twitter⁠, or directly via ⁠email⁠. Please send in your feedback: what do you want to hear more or less of? any suggestions? Would love to hear what you think!

The idea that offering a wide range of services will make your business more appealing to potential clients is a common misconception. When in fact ... the opposite is true. I'm not one to cause arguments, but ... TODAY I'M GOING TO CHALLENGE SOME OF YOUR BELIEFS AROUND SPECIALISATION VS GENERALISATION. Just think about it... You need help with the social media for your agency. Who will you turn to for the best results? A general do-it-all-but-the-kitchen-sink marketing business, or ...a social media specialist?

Today's guest is Dr Guido Maronati for MARA Aesthetics Dr Guido Maronati graduated in Medicine and Surgery from the University of Milan in 2000.  In 2001 he qualified to practice as a Medical Doctor after passing the Italian Medical Board qualifying exam and is registered with the Provincial Order of Physicians and Surgeons of Milan.  In his 2001-2002 Academic Year, he became the winner of the concourse to attend the School of Specialisation in Plastic and Reconstructive Surgery at the University of Udine. In 2006 he completed his specialty training in Plastic, Aesthetic and Reconstructive Surgery and spent a year in Brazil undergoing intense training with famous surgeons Professor Ivo Pitanguy and Professor Antonio Roberto Bozola. Since 2013, Dr Guido has been using Aptos Threads which are gaining worldwide recognition and are successfully applied by specialists in more than 50 countries. Having become the first Italian Expert Aptos Trainer in 2017, he now travels around Italy and Europe as a speaker and trainer. He is a member of the Italian Society of Plastic, Reconstructive and Aesthetic Surgery (SICPRE), a member of the Italian Society of Plastic and Aesthetic Surgery (AICPE), a member of the Italian Association of Aesthetic Therapy with Botulinum (AITEB) and a member of the International Society of Aesthetic Plastic Surgery (ISAPS). Here to share his knowledge and expertise in Electrical Arc Sublimation Therapy and the E.A.S.T HP system, for MARA Aesthetics today we welcome Specialist Plastic Surgeon, Dr Guido Maronati. This episode is brought to you by MARA Aesthetics. Beaute by ABIC Podcast is an independent podcast that operates with the support of our listeners (that's you!) So if you would like to support the show, we would very much appreciate that. Hit ‘subscribe' on Apple Podcasts or ‘follow' on Spotify, and leave a review if you're feeling especially generous and please follow us @aestheticbeautycouncil --- Send in a voice message: https://podcasters.spotify.com/pod/show/beautebyabic/message

Our expert host, Benjamin Ensor, is joined by some great guests to ask: "Is the future of SME banking specialisation?” This week's guests include: Atif Siddiqi, Founder/CEO, Branch Lara Gilman, Head of New Ventures, Iwoca Peter Beckman, CEO, Treyd Whether you prefer the abbreviation ‘SME' or ‘SMB' - the truth is that there is a vast collection of businesses wrapped up in those three letters. The World Economic Forum estimates that 90% of businesses globally can be categorised as SMEs. That's a lot of businesses to cover with the same financial services offerings - so maybe it's time to specialise! Our panel discuss: an overview of how SME banking works today, the challenges of serving small business niches, and whether the future will see more niche-focused products This episode is sponsored by Blinkist The Blinkist app offers distilled audio content from over 5000 non-fiction books and podcasts, to get bitesized insights in just 15 minutes, across 27 different categories. Go to Blinkist.com/fintech to start your 7-day free trial and get 25% off of a Blinkist Premium membership. And now for a limited time you can even use Blinkist Connect to share your premium account with a friend or partner and get 2 premium subscriptions for the price of one. Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It's hosted by a rotation of 11:FS experts including David M. Brear, Ross Gallagher, Benjamin Ensor, and Kate Moody - as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking. If you enjoyed this episode, don't forget to subscribe and please leave a review Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com! Special Guests: Atif Siddiqi, Lara Gilman , and Peter Beckman.

Work with me: https://docs.google.com/forms/d/15_F8NS9vWIZUGlPXv-jGeFO9vVCyEKUFTmwuJo3RHlA/viewform?edit_requested=true ———————————— 00:00 Introduction 00:18 Hypertrophy specialisation - Bald Omni Man 07:33 Training from beginner to intermediate - Fahad + Yuriruff 13:26 Managing volume for plateaus - Paladin Danse 15:24 Wide lats - Tech Texan 16:45 Cut without calorie tracking - Tech Texan 17:55 Shift work splits - Leon G ———————————— Support me on Patreon: https://www.patreon.com/fazlifts ———————————— Follow Me On ———————————— FACEBOOK: https://www.facebook.com/Fazlifts INSTAGRAM: https://www.instagram.com/fazlifts/ IGTV: https://www.instagram.com/fazlifts/channel/ TWITTER: https://twitter.com/fazlifts ———————————— Subscribe To The Fazlifts Podcast ———————————— YOUTUBE: https://www.youtube.com/channel/UCPccsVArKiFcOKF16c-EF6w ITUNES: https://podcasts.apple.com/gb/podcast/bodybuilding-and-physique-podcast/id1457465808 SOUNDCLOUD: https://soundcloud.com/fazlifts SPOTIFY: https://open.spotify.com/show/32tKW50TsbEaSgJI9L20lz STITCHER: https://www.stitcher.com/show/bodybuilding-and-physique-podcast ———————————— WEBSITE: fazlifts.co.uk ———————————— #teamfaz #hypertrophy #fullbody #fbr #musclegrowth #diet #fatloss #teamfaz #bulk #muscle #stronglifts #5x5 #531 #wendler #GVT #greyskull5x5 #fazlifts ————————————

In this first episode in 2023, the team discuss the pros and cons of early specialisation, alcohol and exercise, ketones and what caused American footballer Damar Hamlin's sudden cardiac arrest in the middle of a game.SHOW NOTES:The bicycling magazine article on alcohol in cycling: https://www.bicycling.com/health-nutrition/a42259477/cycling-drinking-alcohol-effects/?source=nl&utm_source=nl_byc&utm_medium=email&date=010223&utm_campaign=nl30130268&user_email=011b810884e3e70b55fc3ab4cdb827f5f8bcb56bf8fd283524686fb8195fcc2f&utm_term=AAA%20--%20High%20Minus%20Dormant%20and%2090%20Day%20Non%20Openers%20%28NEW%29Armand Duplantis documentary: https://www.svtplay.se/video/jxkavqg/armand-duplantis-born-to-fly?position=10&id=jxkavqgZwift Academy documentary: https://www.youtube.com/watch?v=8wGa8Cc1P3oMy Patron article on sudden cardiac arrests and death in young athletes: https://www.patreon.com/posts/sudden-cardiac-76864053Commotio cordis article describing how the events happen: https://jamanetwork.com/journals/jama/fullarticle/194700Good summary of Commotio Cordis: https://pubmed.ncbi.nlm.nih.gov/24760424/Fascinating article on the Italian criminal case brought against a player after a Commotio cordis death: https://vault.si.com/vault/1993/12/06/a-cruel-blow-a-seemingly-harmless-slash-to-the-chest-resulted-in-the-death-of-a-hockey-player-in-italy-now-jimmy-boni-will-go-on-trial-for-manslaughterThe Ketone study showing how ketone ingestion increased EPO levels: https://journals.physiology.org/doi/abs/10.1152/ajpendo.00264.2022 Get bonus content on Patreon Hosted on Acast. See acast.com/privacy for more information.

Joe Molloy was joined by Team OTB's Mick McCarthy, Arthur James O'Dea and Will O'Callaghan for another edition of A Slight Tangent on Tuesday's Off The Ball. Is booing the preserve of morons, or acceptable in the right circumstances? How young is too young to stop children playing multiple sports? Have you ever seen anyone quite like Erling Haaland?! All that and more was up for discussion in another edition of A Slight Tangent! Get in touch via ASlightTangent@offtheball.com NOW!

Crises of knowledge precipitate drives towards specialisation. In our digital age we still need polymaths. Read by Leighton Pugh. Image: This chart is taken from the book 'Ars Magna Lucis Et Umbrae' which was published in 1646 by the Jesuit scientist and inventor, Athanasius Kircher (1602-1680). Credit: SSPL/Getty Images

In this episode, I sit down with physiotherapist, Antony Lo to discuss:Common myths about the core:“ I have a weak core”“You need to actively engage your core all the time”“Suck in your tummy”“Maintain a neutral spine”“Doming/coning = danger”“Your TA isn't firing”“You need to master exercises on your back before progressing”How we as health care and fitness professionals should continue to question our knowledge base and adapt the messaging we are providing our clients to stay currentDifference between what we think we know and what is trueAntony Lo is a physiotherapist from Australia and runs The Physio Detective service and My PT Education. He earned his degree from the University of Sydney and has been in practice since 1997 (old enough to see old things come back as new things!). He completed his post- graduate Master in Manual Therapy (Musculoskeletal Physiotherapy) from the University of Western Australia and commenced his Specialisation training in Musculoskeletal Physiotherapy. He has been involved in ante-natal and post-natal education and management for his whole career. Through participation and through his work as a Physiotherapist at all levels of sport, coaching and education, he has developed a model of treatment that utilises the best from Sports Science, Musculoskeletal/Sports Physiotherapy, Pain Science, and Women's Health research to provide a practical, realistic holistic model of care balancing the biopsychosocial model of healthcare with the best of historical assessment and management approaches. He is privileged to teach health and fitness professionals around the world in person and online in addition to his clinical work. Antony has a wife and 3 beautiful children in the best city in the world Sydney, Australia!Links to contact Antony:Email - antony@physiodetective.com Websiteswww.antonylo.comwww.physiodetective.com www.mypteducation.comwww.womenshealthpodcast.com www.diastasis.info Facebook Antony LoPhysio DetectiveMy PT EducationThe Women's Health PodcastThe Diastasis ProjectInstagramPhysio DetectiveMy PT EducationThe Women's Health PodcastThe Diastasis ProjectThanks for joining me! Here is where you can find more:my online course to walk you through pregnancy, birth prep and postpartum recovery: https://mommyberries.comTo make a donation to offset the cost of production click donate:DonateWant more details on the small groups?Contact: mel@mommyberries.comFollow me on:InstagramFacebookYouTubeSupport the show