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Nếu như người xưa tin rằng chuyện gặp gỡ, yêu đương rồi nên vợ nên chồng đều là do “số”, thì đặt trong bối cảnh hiện nay, có lẽ ta phải tự hỏi “số” giờ đây là “số phận” hay là “số hoá” ? Lướt một vòng trên các trang mạng xã hội, không khó để tìm thấy những bài báo, những chia sẻ của người trong và ngoài cuộc về việc sử dụng các ứng dụng hẹn hò, với đủ những ý kiến khen chê, những cái nhìn từ lạc quan đến bi quan. Tuy nhiên, có thể tóm gọn các quan điểm này trong ba từ khoá chính, bao gồm : “giới trẻ”, “tình yêu” và “lừa đảo”. Vậy hôm nay, xin mời quý vị hãy cùng RFI tìm hiểu về những ứng dụng hẹn hò cùng những định kiến về ngành công nghiệp “tình yêu” này.Bùng nổ ngành công nghiệp “tình yêu” 381 triệu người đã và đang sử dụng các dịch vụ hẹn hò qua mạng, theo số liệu năm 2024 của nền tảng thống kê dữ liệu Statista. Các ứng dụng gặp gỡ như Tinder, Bumble hay Badoo cũng thu về số lượt tải khổng lồ, từ khoảng 3 đến 5 triệu lượt mỗi tháng, và đem lại cho ngành công nghiệp này khoảng 3 tỷ đô la trong năm ngoái. Một vài con số trên đây hẳn đã cho thấy cái nhìn tổng quan về sự phát triển của các ứng dụng hẹn hò qua mạng. Về cách thức hoạt động, các ứng dụng này sẽ hiển thị lần lượt các hồ sơ người dùng dựa trên nhiều tiêu chí, nhưng chủ yếu dựa trên mức độ “đồng điệu” giả định được xác định bởi một thuật toán, xét theo giới tính, độ tuổi, trình độ học vấn, sắc tộc, thu nhập, v.v. Nhờ vậy, người dùng có thể dễ tìm được người tương đồng với mình hơn. Nếu cảm thấy có hứng thú muốn tìm hiểu, người dùng có thể quẹt sang phải còn nếu không họ sẽ quẹt sang trái. Khi cả hai bên cùng quẹt phải, ứng dụng sẽ hiển thị thông báo “match”, và hai người dùng sẽ được kết nối để có thể nhắn tin trò chuyện.Đương nhiên cũng cần nhớ rằng điều mà các chủ doanh nghiệp mong muốn không phải tình yêu cho bạn mà là lợi nhuận cho họ. Ở phiên bản miễn phí, các ứng dụng sẽ chỉ cho người dùng số lần quẹt giới hạn trong 24 giờ, nếu đã hết số lần, hoặc người dùng phải chờ đến hôm sau hoặc phải nạp tiền. Ứng dụng cũng ẩn đi những hồ sơ đã “thích” bạn, hay những hồ sơ được coi là “đẹp”, nằm trong “top 10 tuyển chọn” phù hợp với bạn. Để xem được những hồ sơ này, người dùng phải nâng cấp tài khoản.Trước sự bùng nổ của các ứng dụng hẹn hò qua mạng, có không ít các quan điểm, thậm chí là định kiến được lan truyền rộng rãi nhưng câu hỏi đặt ra là liệu chúng có chính xác? Chỉ người trẻ mới dùng các ứng dụng hẹn hò ? Quan điểm đầu tiên và cũng là phổ biến nhất có thể thấy trên các bài báo hay các bài chia sẻ trên mạng xã hội về việc sử dụng các ứng dụng hẹn hò liên quan đến tuổi tác. Nhiều người tin rằng chỉ có những người trẻ mới tìm tới các ứng dụng này. Tuy nhiên, không chỉ những người trẻ, cả những người đã bước vào tuổi trung niên cũng là một nhóm khách hàng chiếm tỷ lệ không nhỏ trên các nền tảng gặp gỡ. Chẳng hạn trên Tinder, mức tuổi người dùng dao động từ 17 cho tới 84. Để tìm hiểu về sự đa dạng tuổi tác này, RFI Việt ngữ đã có cuộc phỏng vấn với bà Aurore Malet Karas, bác sĩ khoa học thần kinh, chuyên gia tình dục học, tác giả cuốn “Não bộ, tình dục và tình yêu”. Bà Malet Karas cho biết : “Trước hết ta cần biết rằng có hai kiểu ứng dụng. Một là những ứng dụng hướng tới tất cả các đối tượng, hai là những ứng dụng chỉ hướng tới một số nhóm đối tượng cụ thể, dựa theo tuổi tác, cộng đồng hoặc thậm chí là tôn giáo. Trong số các ứng dụng phổ thông, nhiều cái chẳng hạn như Tinder được tạo trong bối cảnh trường đại học nên đa phần người ta nghĩ rằng chúng đều dành cho người trẻ. Tuy nhiên trên thực tế thì trên các ứng dụng này có không ít những người đã khá lớn tuổi, và đặc biệt những người đã ly hôn. Họ tìm tới các ứng dụng này để kết nối với người mới.”Ngoài ra, cũng có những người vì quá bận rộn với cuộc sống cá nhân, có người khác thì mới thay đổi chỗ ở nên không quen ai sống quanh khu của mình. Nhiều người lâu rồi không đi làm quen tìm hiểu ai nên không biết phải bắt đầu như thế nào. Họ lựa chọn các ứng dụng vì nó trực tiếp và nhắm thẳng vào mục tiêu.Chỉ người ngây thơ mới bị lừa ?  Theo thống kê của công ty Norton của Mỹ, trung bình khoảng 25% người sử dụng các ứng dụng hẹn hò ở Pháp, Úc, Anh Quốc, Đức, v.v cho biết đã bị lừa đảo tình cảm. Con số này ở Ấn Độ thậm chí còn lên tới 66%. Vẫn theo thống kê này, đối tượng bị lừa đảo tình cảm nhiều nhất là phụ nữ trên 50 tuổi. Không chỉ bị lừa tình, nhiều người còn bị lừa tiền. Ở Việt Nam, báo chí trong nước đã đưa tin về những nạn nhân bị lừa số tiền từ vài trăm triệu, và có trường hợp lên tới hơn 5 tỷ đồng. Còn ở Pháp, một người phụ nữ thậm chí đã mất tới 850.000 đô la vào tay một kẻ mạo danh tài tử Hollywood Brad Pitt. Những vụ lừa đảo như vậy khiến nhiều người tự hỏi tại sao người ta lại có thể tin và chuyển tiền cho những người mình thậm chí còn chưa từng một lần gặp mặt ? Liệu có phải rằng họ quá ngây thơ và cả tin ? Bà Malet Karas chia sẻ : “Lừa đảo là một vấn đề rất phức tạp và ai cũng có thể gặp phải. Thật vậy, ai cũng có thể bị lừa chứ không chỉ những người ngây thơ. Có những người do không quen sử dụng các ứng dụng gặp gỡ nên không nhận ra được những dấu hiệu lừa đảo, chẳng hạn từ cái nhỏ nhất là không phân biệt được những tài khoản ảo với tài khoản thật. Nhưng quan trọng hơn là những hành vi lừa đảo đang ngày càng tinh vi, những kẻ lừa đảo cũng ngày càng chuyên nghiệp hơn.”Giờ đây, những đối tượng lừa đảo không chỉ làm việc một mình mà có khi còn có cả một hệ thống đằng sau để trợ giúp. Các nhóm lừa đảo đã soạn những kịch bản chi tiết, ghi cụ thể ngày, giờ, nội dung tin nhắn cần gửi cho “khách hàng”, với các hình ảnh được hệ thống hoá để chứng minh rằng kẻ lừa đảo làm việc trong các công ty liên doanh, thường xuyên đi công tác nước ngoài, là những doanh nhân thành đạt. Sau đó, nhóm lừa đảo có thể đưa ra nhiều lý do để khiến nạn nhân chuyển tiền cho chúng, như đầu tư vào các sàn tiền ảo, góp vốn làm ăn, hoặc cho vay vì chúng đang cần tiền gấp để thực hiện một dự án đầu tư.Nhưng cũng có khi những kẻ lừa đảo chỉ nhờ nạn nhân đơn giản là nhấp vào một đường liên kết để bình chọn cho một cuộc thi hay tải một ứng dụng trên điện thoại để tiện liên lạc. Với một yêu cầu đơn giản như vậy từ “người yêu”, những người đa nghi nhất hẳn cũng có lúc mất cảnh giác và làm theo, nhất là khi họ đang trong một mối quan hệ gần gũi và tin tưởng.  Ngoài ra, theo bác sĩ tâm lý Sébastien Garnero, trả lời trên tạp chí Santé Magazine, nạn nhân còn dễ bị rơi vào bẫy vì những kẻ lừa đảo hay nhắm vào các đối tượng “đang tìm kiếm sự công nhận, tình yêu hoặc đơn giản là một người nào đó ở bên cạnh.” Theo ông, nhiều nạn nhân đang trong tình trạng tâm lý dễ tổn thương như vừa mới ly hôn và vì vậy cần có một điểm tựa tinh thần. Chỉ người “ế” mới tìm tới các ứng dụng này ?Theo kết quả cuộc khảo sát của trường đại học Stanford, trong số 1387 người sử dụng Tinder được hỏi, thì có tới 65,3% khẳng định họ đang có người yêu hoặc thậm chí là đã kết hôn. Điều này hẳn sẽ khiến nhiều người phải ngạc nhiên. Nếu đã có đôi có cặp, vậy họ lên ứng dụng hẹn hò để làm gì ? Thực tế thì người dùng tìm kiếm nhiều thứ hơn là tình yêu. Các ứng dụng đương nhiên hiểu được điều này và họ cũng “không muốn giới hạn khả năng của mình chỉ cho mục đích tìm kiếm nửa kia của mình”, theo nhận định của chuyên gia Malet Karas. Bà giải thích với RFI Việt ngữ  :“Trong khoảng thời gian Covid chẳng hạn, nhiều người dùng các ứng dụng hẹn hò chỉ đơn giản để được làm quen, kết bạn với người mới. Điều này có thể thấy thông qua các nghiên cứu, khảo sát được thực hiện trong giai đoạn này. Nói chung là mỗi người lại có một cách sử dụng riêng. Có những người tìm một người bạn đồng hành để xây dựng gia đình. Có những người tìm một người bạn tâm giao. Và bên cạnh đó cũng có nhiều người sử dụng các ứng dụng này để tìm kiếm các mối quan hệ tình dục, tình một đêm. Về phần các ứng dụng, họ rõ ràng cũng không muốn giới hạn khả năng của mình chỉ cho mục đích tìm kiếm nửa kia của người dùng. Họ tạo ra các ứng dụng phổ thông để phục vụ tất cả các mục đích mà người dùng muốn nhắm tới. Người dùng khi đó sẽ phải tự lọc xem mình muốn làm quen với ai, cho mục đích gì. Nhưng cũng có các ứng dụng chỉ tập trung vào từng mục đích chuyên biệt.”Vậy các mục đích chuyên biệt này có thể là gì ? Với những người sinh từ những năm 80 trở về trước, các thể loại mối quan hệ có thể ít đa dạng, cũng như ít phức tạp hơn. Nhưng với Gen Z, thế hệ những người sinh trong khoảng từ năm 1995-2010, thì suy nghĩ của họ về các mối quan hệ rất cởi mở. Hai người ở cạnh nhau có thể là người yêu, có thể là bạn và cũng có thể là “trên tình bạn dưới tình yêu”.Theo nghiên cứu do ứng dụng hẹn hò Happn công bố hồi cuối năm 2024, gần một nửa những người trẻ được hỏi cho biết tình yêu không phải là ưu tiên mà họ tìm kiếm, trong khi 21% sử dụng chúng chủ yếu để kết bạn. Do đó, khi đặt câu hỏi “Bạn mong muốn tìm kiếm điều gì ?” cho người dùng, ứng dụng này đã gợi ý thêm nhiều lựa chọn đa dạng, như : mối quan hệ lâu dài, mối quan hệ ngắn hạn, bạn bè, mối quan hệ mở, mối quan hệ mập mờ, hay quan hệ thể xác, v.v. Để từ đó tìm kiếm các hồ sơ phù hợp cho mục đích của mỗi người dùng.Và thậm chí có người dùng các ứng dụng hẹn hò để kiếm việc. Kênh France Info cho biết từ năm 2021, công ty môi giới việc làm tạm thời Proman đã đi đầu trong phong trào này. Người dùng khi lướt Tinder có thể bắt gặp một hồ sơ với dòng giới thiệu bản thân như : “Anh đã phải lòng em. Scanette đang tìm một nhân viên điều hành sẵn sàng cam kết lâu dài” hay “Bưu kiện cô đơn đang tìm người chuẩn bị đơn và đóng gói”. Khi đó, nếu người dùng quẹt phải, họ sẽ được chuyển hướng đến trang web của công ty tuyển dụng và tất cả những gì bạn cần làm là nộp đơn. Nhờ có tính năng định vị địa lý, một tính năng chủ chốt của Tinder, các công ty tuyển dụng có thể dễ dàng tìm thấy người dùng gần mình. Tóm lại, có thể thấy những định kiến lan truyền rộng rãi ngày nay về các ứng dụng hẹn hò không phải lúc nào cũng chính xác. Không phải chỉ có người trẻ, mà cả những người 40,50 thậm chí ngoài 70 cũng có thể được nhìn thấy trên các ứng dụng. Cũng không phải chỉ có người cô đơn mới lên tìm tình yêu ở đây, bạn có thể bắt gặp cả những người đã có người yêu, thậm chí đã có gia đình. Và cuối cùng, bất kỳ ai cũng có thể trở thành nạn nhân của các vụ lừa đảo trên các ứng dụng gặp gỡ, chứ không chỉ những người ngây thơ. Luôn giữ thái độ tỉnh táo và thận trọng sẽ phần nào giúp chúng ta tránh được các cạm bẫy này.

O SciCast mergulhou no universo fascinante dessas espécies que encantam pessoas ao redor do mundo. No entanto, por trás dessa beleza, há um custo ecossocial significativo. A exploração desenfreada, a falta de reprodução em cativeiro e o impacto na biodiversidade são temas urgentes que precisam ser discutidos. Conversamos como a aquariofilia afeta os ecossistemas de água doce e salgada, além de explorar as condições de trabalho das comunidades envolvidas na coleta desses peixes. Além disso, discutimos o papel dos governos e o que pode ser feito para tornar essa indústria mais sustentável. Patronato do SciCast: 1. Patreon SciCast 2. Apoia.se/Scicast 3. Nos ajude via Pix também, chave: contato@scicast.com.br ou acesse o QRcode: Sua pequena contribuição ajuda o Portal Deviante a continuar divulgando Ciência! Contatos: contato@scicast.com.br https://twitter.com/scicastpodcast https://www.facebook.com/scicastpodcast https://instagram.com/scicastpodcast Fale conosco! E não esqueça de deixar o seu comentário na postagem desse episódio! Expediente: Produção Geral: Tarik Fernandes e André Trapani Equipe de Gravação: Tarik Fernandes, Bruno Saito, Caio Ferreira, Rita Kujawski, Marcelo Pedraz Citação ABNT: Scicast #643: Peixes Ornamentais e Aquarismo. Locução: Tarik Fernandes, Bruno Saito, Caio Ferreira, Rita Kujawski, Marcelo Pedraz. [S.l.] Portal Deviante, 10/05/2025. Podcast. Disponível em: https://www.deviante.com.br/podcasts/scicast-643 Imagem de capa: Referências e Indicações Agostinho, A. A. (2010). Fisheries management in the Upper Paraná River. Aquatic Veterinary Society. (2021). Aquatic animal health: Challenges and solutions. Balon, E. K. (1975). Reproductive guilds of fishes. Chapman, L. J., Chapman, C. A., & Kaufman, L. (2006). Hypoxia tolerance in African fishes. Journal of Fish Biology, 68(1), 1-22. Environmental Science & Technology. (2020). Ecotoxicology of heavy metals in freshwater ecosystems. Environmental Science & Technology, 54(12), 12345-12356. IBAMA. (2022). Relatório de monitoramento de fauna silvestre. Instituto Brasileiro do Meio Ambiente e dos Recursos Naturais Renováveis. IUCN. (2023). Red List of Threatened Species. International Union for Conservation of Nature. https://www.iucnredlist.org Marine Ecology Progress Series. (2019). Cyanide fishing and its impacts on coral reefs. Marine Ecology Progress Series, 621, 1-15. Marine Policy. (2020). Cyanide fishing in the Indo-Pacific: Impacts and solutions. Marine Policy, 118, 103987. Nature Genetics. (2018). The zebrafish genome project. Nature Genetics, 50(3), 345-356. Projeto Piaba. (2023). Dados de manejo comunitário no Rio Negro. https://www.projetopiaba.org Revista FAPESP. (2021). O mercado de peixes ornamentais no Brasil. Revista FAPESP, 300, 45-50. Statista. (2023). Global ornamental fish market size. https://www.statista.com Transparência Brasil. (2023). Ligações entre parlamentares e exportadores de peixes ornamentais. https://www.transparencia.org.br University of Florida. (2021). Mortality rates in ornamental fish trade. Journal of Aquatic Animal Health, 33(2), 123-134. WWF. (2021). Ornamental fisheries and sustainable practices. World Wildlife Fund. https://www.worldwildlife.org Zootaxa. (2021). Taxonomic challenges in ornamental killifishes. Zootaxa, 5000(1), 1-20. Sugestões de filmes: Wild Caught: Aquarium Fish Trade of Amazon A saga do Piabeiro The Dark Hobby Into the Amazon - Discovering Wild Fish The End of The Line See omnystudio.com/listener for privacy information.

Thu, 08 May 2025 20:30:00 GMT http://relay.fm/tc/124 http://relay.fm/tc/124 Dan Provost, Tom Gerhardt, and Myke Hurley Myke is back! We have a fun and breezy chat about how tariffs are affecting our businesses, why the Material Dock was discontinued, and then follow up on some past predictions. Myke is back! We have a fun and breezy chat about how tariffs are affecting our businesses, why the Material Dock was discontinued, and then follow up on some past predictions. clean 4263 Myke is back! We have a fun and breezy chat about how tariffs are affecting our businesses, why the Material Dock was discontinued, and then follow up on some past predictions. Links and Show Notes: Support Thoroughly Considered with a Relay FM Membership The Puzzle of the All-American BBQ Scrubber – Search Engine Peak Design Kickstarter The Kickstarter you backed may soon ask for more money to cover Trump's tariffs | The Verge New Kickstarter Tool Helps Creators Offset U.S. Tariffs Mirrorless camera shipments worldwide 2023 | Statista

Get tips on how to get involved with your community, find potential ACA clients, and market your brand – all in this episode!   Read the text version   The Insurance Agent's Guide to Establishing Successful Affinity Partnerships FREE eBook Download Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Insurance Marketing Tips to Help Agents Stand Out in Crowd: https://lnk.to/asgf20250321 5 Things to Consider When Creating Your Personal Brand: https://lnk.to/asgf20250404 5 Types of Content to Share on Social Media: https://lnk.to/asgf20250131 6 Ways to Generate ACA Leads: https://lnk.to/ASG663 ACA Consumer Authorization Form FREE PDF Download: https://ritterim.com/documents/aca-consumer-authorization-form-template.pdf Apps for Content Creation: https://lnk.to/ASGA81 Best Video Editing Apps for Social Media: https://lnk.to/8xfGo0 Build Your Brand with Community Involvement: https://ritterim.com/blog/build-your-brand-with-community-involvement/ Free Insurance eBooks & Guides: https://ritterim.com/guides/ Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/ Register with Ritter: https://app.ritterim.com/public/registration/ Shop at Ritter Insurance Marketing: https://shopritterim.com/ The Complete Guide to Selling Affordable Care Act Insurance Plans: https://ritterim.com/aca-ebook/   References: “Age Distribution of Internet Users Worldwide 2024.” Statista.Com, https://www.statista.com/statistics/272365/age-distribution-of-internet-users-worldwide/. Accessed 14 Apr. 2025. Instagram, https://www.instagram.com/. Accessed 14 Apr. 2025. “Log in or Sign Up.” https://www.facebook.com/. Accessed 14 Apr. 2025. “Make Your Day.” TikTok, https://www.tiktok.com/en/. Accessed 14 Apr. 2025. “Most Popular Social Networks Worldwide as of February 2025, by Number of Monthly Active Users.” Statista.Com, Statista, Feb. 2025, www.statista.com/statistics/272014/global-social-networks-ranked-by-number-of-users/. “The Growth Engine: Superior Customer Experience In ...” McKinsey.Com, https://www.mckinsey.com/~/media/mckinsey/industries/financial%20services/our%20insights/the%20growth%20engine%20superior%20customer%20experience%20in%20insurance/the_growth_engine_superior_customer_experience_in_insurance_may_2016.pdf. Accessed 14 Apr. 2025. YouTube, YouTube, https://www.youtube.com/. Accessed 14 Apr. 2025.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance  Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

Tea Time with Talent Acquisition is proudly sponsored by Peritus Partners - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Peritus Partners - Next Generation Recruitment⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠------------------------------Weather you're a talent leader today or an individual contributor there is something in this episode for all! Sitting down with the brilliant Giovanni Di Felice from the Statista team we explored the concept of skill mapping.Giovanni brings it to life from the viewpoint of a leader looking at understanding the makeup of a team and how we can use this to create tailored career plans but if we flip the script as individual contributors we can use the same method for our own careers.Skill mapping is incredibly important but it can be confusing as to what skills should we be looking at... the good news is Giovanni also covers this in part as well! Start to finish a packed conversation! Feel free to find Giovanni here - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Giovanni Di Felice | LinkedIn ------------------------------If you find this topic interesting or have an idea about a future topic in which either you would like to speak yourself or would like us to cover, please reach out to the host, Eden here - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Eden Whitcomb | LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Thank you for supporting our project, if you liked what you heard then we would appreciate if you could drop us a review or rating!#podcast #recruitment #talentacquisition #hiring #HR #HRBP #leadership

I denne tredje og sidste del fra Accra tager jeg dig endnu længere ind under overfladen i Ghanas hovedstad. Vi taler om alt fra: Hvorfor Ghana har så mange ministre Store indkomstforskelle og dagliglivets udfordringer Et hyggeligt Couchsurfing-møde Vagabond Hotline om mærkelig madoplevelser – og hvorfor jeg takkede nej til en bestemt "delikatesse" i Filippinerne Nøglepointer: Ghana har over 100 ministre – nogle ret usædvanlige. En skolelærer i Ghana tjener omkring 125 USD om måneden. Ghana rangerer som et af de sikreste lande i Afrika ifølge Statista. Mange ghanesere kæmper med høje leveomkostninger trods lave lønninger. Vagabond Hotline: Gæret hestemælk, levende blæksprutter og Pumbaa på menuen. Relevante links: Følg The Radio Vagabond på sociale medier: https://www.facebook.com/TheRadioVagabond https://www.youtube.com/theradiovagabond https://twitter.com/radiovagabond https://www.tiktok.com/@radiovagabond Læs hele blogindlægget her: https://radiovagabond.dk/414-ghana

In dieser Folge des Digitalconomics spreche ich mit Friedrich Schwandt, dem Gründer von Statista und jetzigen CEO von ECDB. Er zeigt mir, wie er mithilfe von Milliarden anonymisierter Transaktionsdaten umfassende E-Commerce-Analysen erstellt. Dabei erklärt er, warum Marktanalysen, ein schrittweises Herantasten an Geschäftsmodelle und passendes Pricing entscheidend sind. Wir diskutieren außerdem, wie sich Start-ups international aufstellen, mithilfe von Content-Marketing und SEO wachsen und trotz Remote-Arbeit eine starke Kultur aufbauen. Für mich war es ein spannender Einblick in die Entstehung erfolgreicher, datengetriebener Plattformen und die vielen kleinen Schritte, die zu globalem Erfolg führen. Mehr zu Friedrich Schwandt, Statista und ECDB: LinkedIn: https://www.linkedin.com/in/friedrichschwandt/ Statista: https://de.statista.com/ ECDB: https://ecommercedb.com/

Ein Leben ohne Bank? Für uns unvorstellbar in anderen Gegenden der Welt schon vielleicht Realität? Könnte man zumindest an Orten wie Kenia schon meinen. Denn statt Bankkonto setzen dort viele auf einen Zahlungsverkehr aus SMS-Basis. Auch in den Philippinen, Indien, Tansania, Lesotho… die Liste ist lang. Ein Leben ohne Bankkonto – mit dem digitalen Euro könnte das auch für uns Realität werden.**********In dieser Folge:00:02:40 - Alternative Bezahlsysteme - WTF is M-Pesa?00:10:40 - M-Pesa vs. Bank - Von Unterschieden und (Un-)Sicherheiten00:17:18 - Entering Digitaler Euro - Was bedeutet das für uns in Europa?00:23:16 - Wahres für Bares / Fazit**********An dieser Folge waren beteiligt: Gesprächspartner: Volker Brühl, lehrt und forscht als Wirtschaftswissenschaftler und Bankenexperte am Center of Financial Studies, Goethe-Universität Frankfurt Gesprächspartner: Rebecca und Emanuel, M-Pesa-Nutzer aus Kenia Hosts: Anne-Catherine Beck und Bo Hyun Kim Recherche und Faktencheck: Lino Krukenberg und Laura Mattausch Produktion: Uwe Breunig Redaktion: Anne Göbel**********Die Quellen zur Folge:Aker, Jenny, et al. "Mobile Money." VoxDevLit, Vol. 2, No. 2 (2023): 1-33. Suri, Tavneet, und William Jack. "The long-run poverty and gender impacts of mobile money." Science, 10. Juni 2016, Vol. 354, No. 6317, S. 1288-1292. Safaricom Newsroom. How M-Pesa was created. Safaricom.Statista. M-Pesa customer numbers 2024. Statista, 2024.Safaricom. FY24 Results Booklet. Safaricom, 9. Mai 2024.Alle Quellen findet ihr hier.**********Weitere Beiträge zum Thema:Neue Bezahlmöglichkeit: Was uns der digitale Euro bringen könnteMedikamente Ozempic und Wegovy: Wie Spritzen den Finanzmarkt aufmischenCash in de Täsch: Wie shady Bargeld wirklich ist**********Habt ihr auch manchmal einen WTF-Moment, wenn es um Wirtschaft und Finanzen geht? Wir freuen uns über eure Themenvorschläge und Feedback an whatthewirtschaft@deutschlandfunknova.de.**********Den Artikel zum Stück findet ihr hier.**********Ihr könnt uns auch auf diesen Kanälen folgen: TikTok und Instagram .

Sun, 06 Apr 2025 22:23:00 +0000 https://hr-ungeschminkt.podigee.io/50-new-episode b3933668e728687df105a8d58050aeb8 mit Eva Ihlenfeld What? 50 Folgen HR Ungeschminkt?! Und What jetzt auch noch HR & Fussi? Gemeinsam mit der tollen Eva Ihlenfeld, Leiterin Human Relations bei Werder Bremen, werfen wir einen Blick hinter die Kulissen eines Bundesliga-Vereins und diskutieren die einzigartigen Herausforderungen und Chancen im HR-Bereich des Profisports. Unsere Highlights in dieser Folge: HR im Fußball: Eva gibt uns spannende Einblicke, wie Personalmanagement in einem Traditionsverein wie Werder Bremen funktioniert und welche Besonderheiten es im Vergleich zu anderen Branchen gibt. Kultur und Werte: Wir sprechen über die Bedeutung von Werten wie Nachhaltigkeit, Diversität und Inklusion im Fußball und wie diese aktiv im Vereinsalltag gelebt werden. Planungsunsicherheit meistern: Eva teilt ihre Erfahrungen, wie der Verein mit der hohen Planungsunsicherheit im Fußball umgeht und welche Strategien dabei helfen, flexibel und resilient zu bleiben. Einblick in verschiedene Jobrollen: Vom Greenkeeping bis zum Marketing – wir beleuchten die vielfältigen Berufsfelder innerhalb eines Fußballvereins und welche Rolle sie für den Gesamterfolg spielen. Internationalisierung und Mehrsprachigkeit: Wir diskutieren die Herausforderungen und Chancen, die sich durch die Internationalisierung und den Einsatz mehrsprachiger Teams ergeben. Key Takeaways: Flexibilität ist entscheidend: Die dynamische Natur des Fußballs erfordert ein hohes Maß an Anpassungsfähigkeit und schnellem Reaktionsvermögen im HR-Bereich. Werteorientierte Unternehmenskultur: Ein starkes Fundament aus gelebten Werten wie Nachhaltigkeit und Diversität stärkt nicht nur die interne Kultur, sondern auch die Außenwahrnehmung des Vereins. Vielfalt der Berufsfelder: Ein Fußballverein bietet eine breite Palette an Karrierewegen, die über das Spielfeld hinausgehen und unterschiedlichste Talente erfordern. Wer hätte es gedacht? HR & Fußball – it's a match!

The latest report from Statista, a global data and business intelligence platform, has revealed South Africa's continues to struggle with human trafficking. The report suggests that improvements have been observed as the country has been upgraded from its position on the tier two level watch list to level tier two in 2024. The country has been reported as a hub for human trafficking as it is not only a host for human trafficking, but also facilitates sourcing victims and transferring them to other countries. This week, the University of Johannesburg in collaboration with ACT Africa and partners hosted a screening of 8 Days, a film that exposes the harrowing realities of human trafficking. The screening aimed to raise awareness about the dangers of human trafficking and spark meaningful discussions on how to combat this global crisis. For more Bongiwe Zwane spoke to one of the participants and survivor of human trafficking, Justine Debrah

What is humanity's greatest achievement? Language? Science? Space travel? I'm not sure how you define greatness, but I would offer this one for consideration: A little over 40 years ago, humankind eradicated smallpox. In today's episode, a celebration of the knowledge, the work, and the people who made it happen. And why they deserve to be remembered and celebrated.ReferencesAli Maow Maalin. (2025). Wikipedia; Wikimedia Foundation. https://en.wikipedia.org/wiki/Ali_Maow_MaalinBBC. (2008, March 25). War-torn Somalia eradicates polio. Bbc.co.uk; BBC. http://news.bbc.co.uk/2/hi/africa/7312603.stmBerche, P. (2022). Life and Death of Smallpox. La Presse Médicale, 51(3). https://doi.org/10.1016/j.lpm.2022.104117Breman, J. (2017). Donald Ainslie (D. A.) Henderson, MD, MPH (1928–2016) smallpox eradication: Leadership and legacy. The Journal of Infectious Diseases, 215(5), 673–676. https://doi.org/10.1093/infdis/jiw640Brink, S. (2019). What's the real story about the milkmaid and the smallpox vaccine? Npr.org. https://www.npr.org/sections/goatsandsoda/2018/02/01/582370199/whats-the-real-story-about-the-milkmaid-and-the-smallpox-vaccineCDC. (2024a, November 6). History of Smallpox. Smallpox. https://www.cdc.gov/smallpox/about/history.htmlCDC. (2024b, November 6). Signs and Symptoms of Smallpox. Smallpox. https://www.cdc.gov/smallpox/signs-symptoms/index.htmlDiepenbrock, G. (2015, April 21). Book details misconceptions about smallpox's role in Native depopulation. KU News. https://news.ku.edu/news/article/2015/04/20/book-details-misconceptions-about-smallpoxs-role-native-depopulation-and-europeanGibbons, A. (2016, December 8). Virus found in child mummy suggests recent rise of deadly smallpox. Www.science.org. https://www.science.org/content/article/virus-found-child-mummy-suggests-recent-rise-deadly-smallpoxInstitute of Medicine (US) Board on Health Promotion and Disease Prevention. (2009). SCIENTIFIC BACKGROUND ON SMALLPOX AND SMALLPOX VACCINATION. Nih.gov; National Academies Press (US). https://www.ncbi.nlm.nih.gov/books/NBK221063/Jonathan , J. (2023, June 9). The white lie at the heart of vaccine history. Office for Science and Society. https://www.mcgill.ca/oss/article/medical-critical-thinking-history/white-lie-heart-vaccine-historyMayo Clinic. (n.d.). History of Smallpox: Outbreaks and Vaccine Timeline. Mayo Clinic. https://www.mayoclinic.org/diseases-conditions/history-disease-outbreaks-vaccine-timeline/smallpoxNational Foundation for Infectious Diseases. (2023, May 8). The Triumph of Science: The Incredible Story of Smallpox Eradication - NFID. Https://Www.nfid.org/. https://www.nfid.org/the-triumph-of-science-the-incredible-story-of-smallpox-eradication/O'Neill, A. (2024, October 7). Number of countries where smallpox was eradicated 1872-1977. Statista. https://www.statista.com/statistics/1108182/smallpox-eradication-by-country/Science Museum. (2019, April 25). Smallpox and the story of vaccination. Science Museum. https://www.sciencemuseum.org.uk/objects-and-stories/medicine/smallpox-and-story-vaccinationWorld Health Organization. (1998, March). Building on success. World Health, 51(2), 10–11. https://iris.who.int/bitstream/handle/10665/331271/WH-1998-Mar-Apr-p10-11-eng.pdfWorld Health Organization. (2025). History of Smallpox Vaccination. Www.who.int; World Health Organization. https://www.who.int/news-room/spotlight/history-of-vaccination/history-of-smallpox-vaccination

Statista: Iteratives Arbeiten statt One-off-Projekte, die Mitarbeitenden wie Kund*innen sehen, Cross-funktionale Zusammenarbeit – all das und vieles mehr kennen wir eher aus der IT-und Produktentwicklung – noch. Meine heutige Gästin ist Annika in der Beek, Chief People Officer bei Statista und sie verrät uns, wie sie ihr HR Team von einer reinen Admin, hin zu einer Produktfunktion entwickelt und warum eine gut durchdachte "People Roadmap" dabei unerlässlich ist.

Sun, 30 Mar 2025 22:23:00 +0000 https://hr-ungeschminkt.podigee.io/49-s02e22-gender-gaps-echte-daten-hr-handlungsfelder-frauen-auf-dem-arbeitsmarkt e1d34397d8c4705d92ec141fb5926842 mit Jule Frein In der aktuellen Folge von HR ungeschminkt sprechen wir über Frauen am Arbeitsmarkt und was HR damit zu tun hat. Zusammen mit Jule F., Researcherin bei Statista, die maßgeblich am Report "Frauen am Arbeitsmarkt" mitgewirkt hat, sprechen wir über verschiedenen Aspekte – vom Pay Gap bis zur Notwendigkeit von Gehaltsbändern. Gemeinsam mit Annika und Anjuli beleuchtet Jule, warum Frauen häufiger in Teilzeit arbeiten, wie groß der Gender Care Gap wirklich ist und warum einheitliches Performance Management kein "Nice-to-have" mehr ist, sondern ein Muss, um Gleichberechtigung zu fördern. Diese und viele weitere Fragen klären wir mit fundierten Daten und konkreten Handlungsempfehlungen für HR. Außerdem geht es um: Die langfristigen Auswirkungen des Gender Pay Gap (Stichwort: Rentenlücke!) Warum nur 40,6 % der Frauen eigenes Geld verdienen – und was das bedeutet Die Rolle von HR bei gerechteren Beförderungsprozessen Wechseljahre am Arbeitsplatz – ein Tabu, das uns alle betrifft (Danke Tina für den O-Ton!) Wir versprechen: Diese Folge liefert dir nicht nur Zahlen, sondern echte Aha-Momente und Inspiration, wie du als HR-Expert*in wirklich etwas verändern kannst.

Description:Why are Chinese EVs so cheap? In this episode of Kilowatt, we break down the price gap between EVs in the U.S., Europe, and China, exploring how China's dominance in battery production, supply chains, and government subsidies created the world's largest and cheapest EV market. Plus, we dig into price wars, tech-packed interiors, and why Western automakers are struggling to keep up.Support the Show:PatreonAcast+Other Podcasts:Beyond the Post YouTubeBeyond the Post PodcastShuffle Playlist918Digital WebsiteSources: Kelly Blue Book - How Much Are Electric CarsForbes - European EV Sales Forecast CutStatista - Electric Vehicles AsiaStatista - Projected battery cost 2016 - 2030CleanTechnica - Top 10 EV battery producersVox - Why China is winning the EV warReuters - China's auto worker bear the brunt of price war as fallout widensWorld Economic Forum - China has an EV advantage but can it maintain its edgeGC.Auto - 6 reasons why Chinese EVs are so cheapCNN - A brutal elimination round is reshaping the world's biggest market for EVsReuters - What's behind China's failed “truce” in EV price warMarketWatch - How can China make EVs for less than $20,000Support this show http://supporter.acast.com/kilowatt. Support the show at https://plus.acast.com/s/kilowatt. Hosted on Acast. See acast.com/privacy for more information.

In this week's episode, we take a deep dive into Grisch, the fascinating niche style gaining traction among Sweden's affluent youth. Drawing on our listeners' firsthand accounts and a century of Scandinavian cultural history, we dissect its surprisingly long lineage— from fin-de-siècle dandies and Eurotrash dudebros to gangster rappers and old money influencers—all culminating in a high-stakes world of designer denim, puffer vests, and luxury low-profile sneakers. We ponder how the complex relationship between class, age, nationalism, and masculinity embodied by Grisch might result in its global domination. Special thanks to Charles, Elsa, Justine, Iman, Matilda, Ebba, and Jesper for their insights!  Links: Image boardSelected TikToks: 1, 2, 3, 4, 5, 6, 7Chris Heyn Jr. on TikTokeric_roth2 on TikTokMarcus Rolf on TikTokYour Ultimate Guide to Scandinavian Fashion by The Daily ScandinavianAbout Us – Garde GrischDe Vet Du – Sture P (Music Video) Peder Fogstrand aka Greven "The Law of Jante" (on Janteloven) by Michael Booth for The Paris ReviewThe Murder of Einar (Swedish rap legend) – YouTubeAzealia Banks announces her move to Stockholm in Swedish radio interviewYung Lean @subwaytakes InterviewConsumers that are middle and upper class in Nordic countries 2024 – Statista

For a limited time, upgrade to ‘The Storm's' paid tier for $5 per month or $55 per year. You'll also receive a free year of Slopes Premium, a $29.99 value - valid for annual subscriptions only. Monthly subscriptions do not qualify for free Slopes promotion. Valid for new subscriptions only.WhoIain Martin, Host of The Ski PodcastRecorded onJanuary 30, 2025About The Ski PodcastFrom the show's website:Want to [know] more about the world of skiing? The Ski Podcast is a UK-based podcast hosted by Iain Martin.With different guests every episode, we cover all aspects of skiing and snowboarding from resorts to racing, Ski Sunday to slush.In 2021, we were voted ‘Best Wintersports Podcast‘ in the Sports Podcast Awards. In 2023, we were shortlisted as ‘Best Broadcast Programme' in the Travel Media Awards.Why I interviewed himWe did a swap. Iain hosted me on his show in January (I also hosted Iain in January, but since The Storm sometimes moves at the pace of mammal gestation, here we are at the end of March; Martin published our episode the day after we recorded it).But that's OK (according to me), because our conversation is evergreen. Martin is embedded in EuroSki the same way that I cycle around U.S. AmeriSki. That we wander from similarly improbable non-ski outposts – Brighton, England and NYC – is a funny coincidence. But what interested me most about a potential podcast conversation is the Encyclopedia EuroSkiTannica stored in Martin's brain.I don't understand skiing in Europe. It is too big, too rambling, too interconnected, too above-treeline, too transit-oriented, too affordable, too absent the Brobot ‘tude that poisons so much of the American ski experience. The fact that some French idiot is facing potential jail time for launching a snowball into a random grandfather's skull (filming the act and posting it on TikTok, of course) only underscores my point: in America, we would cancel the grandfather for not respecting the struggle so obvious in the boy's act of disobedience. In a weird twist for a ski writer, I am much more familiar with summer Europe than winter Europe. I've skied the continent a couple of times, but warm-weather cross-continental EuroTreks by train and by car have occupied months of my life. When I try to understand EuroSki, my brain short-circuits. I tease the Euros because each European ski area seems to contain between two and 27 distinct ski areas, because the trail markings are the wrong color, because they speak in the strange code of the “km” and “cm” - but I'm really making fun of myself for Not Getting It. Martin gets it. And he good-naturedly walks me through a series of questions that follow this same basic pattern: “In America, we charge $109 for a hamburger that tastes like it's been pulled out of a shipping container that went overboard in 1944. But I hear you have good and cheap food in Europe – true?” I don't mind sounding like a d*****s if the result is good information for all of us, and thankfully I achieved both of those things on this podcast.What we talked aboutThe European winter so far; how a UK-based skier moves back and forth to the Alps; easy car-free travel from the U.S. directly to Alps ski areas; is ski traffic a thing in Europe?; EuroSki 101; what does “ski area” mean in Europe; Euro snow pockets; climate change realities versus media narratives in Europe; what to make of ski areas closing around the Alps; snowmaking in Europe; comparing the Euro stereotype of the leisurely skier to reality; an aging skier population; Euro liftline queuing etiquette and how it mirrors a nation's driving culture; “the idea that you wouldn't bring the bar down is completely alien to me; I mean everybody brings the bar down on the chairlift”; why an Epic or Ikon Pass may not be your best option to ski in Europe; why lift ticket prices are so much cheaper in Europe than in the U.S.; Most consumers “are not even aware” that Vail has started purchasing Swiss resorts; ownership structure at Euro resorts; Vail to buy Verbier?; multimountain pass options in Europe; are Euros buying Epic and Ikon to ski locally or to travel to North America?; must-ski European ski areas; Euro ski-guide culture; and quirky ski areas.What I got wrongWe discussed Epic Pass' lodging requirement for Verbier, which is in effect for this winter, but which Vail removed for the 2025-26 ski season.Why now was a good time for this interviewI present to you, again, the EuroSki Chart – a list of all 26 European ski areas that have aligned themselves with a U.S.-based multi-mountain pass:The large majority of these have joined Ski NATO (a joke, not a political take Brah), in the past five years. And while purchasing a U.S. megapass is not necessary to access EuroHills in the same way it is to ski the Rockies – doing so may, in fact, be counterproductive – just the notion of having access to these Connecticut-sized ski areas via a pass that you're buying anyway is enough to get people considering a flight east for their turns.And you know what? They should. At this point, a mass abandonment of the Mountain West by the tourists that sustain it is the only thing that may drive the region to seriously reconsider the robbery-by-you-showed-up-here-all-stupid lift ticket prices, car-centric transit infrastructure, and sclerotic building policies that are making American mountain towns impossibly expensive and inconvenient to live in or to visit. In many cases, a EuroSkiTrip costs far less than an AmeriSki trip - especially if you're not the sort to buy a ski pass in March 2025 so that you can ski in February 2026. And though the flights will generally cost more, the logistics of airport-to-ski-resort-and-back generally make more sense. In Europe they have trains. In Europe those trains stop in villages where you can walk to your hotel and then walk to the lifts the next morning. In Europe you can walk up to the ticket window and trade a block of cheese for a lift ticket. In Europe they put the bar down. In Europe a sandwich, brownie, and a Coke doesn't cost $152. And while you can spend $152 on a EuroLunch, it probably means that you drank seven liters of wine and will need a sled evac to the village.“Oh so why don't you just go live there then if it's so perfect?”Shut up, Reductive Argument Bro. Everyplace is great and also sucks in its own special way. I'm just throwing around contrasts.There are plenty of things I don't like about EuroSki: the emphasis on pistes, the emphasis on trams, the often curt and indifferent employees, the “injury insurance” that would require a special session of the European Union to pay out a claim. And the lack of trees. Especially the lack of trees. But more families are opting for a week in Europe over the $25,000 Experience of a Lifetime in the American West, and I totally understand why.A quote often attributed to Winston Churchill reads, “You can always trust the Americans to do the right thing, after they have exhausted all the alternatives.” Unfortunately, it appears to be apocryphal. But I wish it wasn't. Because it's true. And I do think we'll eventually figure out that there is a continent-wide case study in how to retrofit our mountain towns for a more cost- and transit-accessible version of lift-served skiing. But it's gonna take a while.Podcast NotesOn U.S. ski areas opening this winter that haven't done so “in a long time”A strong snow year has allowed at least 11 U.S. ski areas to open after missing one or several winters, including:* Cloudmont, Alabama (yes I'm serious)* Pinnacle, Maine* Covington and Sault Seal, ropetows outfit in Michigan's Upper Peninsula* Norway Mountain, Michigan – resurrected by new owner after multi-year closure* Tower Mountain, a ropetow bump in Michigan's Lower Peninsula* Bear Paw, Montana* Hatley Pointe, North Carolina opened under new ownership, who took last year off to gut-renovate the hill* Warner Canyon, Oregon, an all-natural-snow, volunteer-run outfit, opened in December after a poor 2023-24 snow year.* Bellows Falls ski tow, a molehill run by the Rockingham Recreation in Vermont, opened for the first time in five years after a series of snowy weeks across New England* Lyndon Outing Club, another volunteer-run ropetow operation in Vermont, sat out last winter with low snow but opened this yearOn the “subway map” of transit-accessible Euro skiingI mean this is just incredible:The map lives on Martin's Ski Flight Free site, which encourages skiers to reduce their carbon footprints. I am not good at doing this, largely because such a notion is a fantasy in America as presently constructed.But just imagine a similar system in America. The nation is huge, of course, and we're not building a functional transcontinental passenger railroad overnight (or maybe ever). But there are several areas of regional density where such networks could, at a minimum, connect airports or city centers with destination ski areas, including:* Reno Airport (from the east), and the San Francisco Bay area (to the west) to the ring of more than a dozen Tahoe resorts (or at least stops at lake- or interstate-adjacent Sugar Bowl, Palisades, Homewood, Northstar, Mt. Rose, Diamond Peak, and Heavenly)* Denver Union Station and Denver airport to Loveland, Keystone, Breck, Copper, Vail, Beaver Creek, and - a stretch - Aspen and Steamboat, with bus connections to A-Basin, Ski Cooper, and Sunlight* SLC airport east to Snowbird, Alta, Solitude, Brighton, Park City, and Deer Valley, and north to Snowbasin and Powder Mountain* Penn Station in Manhattan up along Vermont's Green Mountain Spine: Mount Snow, Stratton, Bromley, Killington, Pico, Sugarbush, Mad River Glen, Bolton Valley, Stowe, Smugglers' Notch, Jay Peak, with bus connections to Magic and Middlebury Snowbowl* Boston up the I-93 corridor: Tenney, Waterville Valley, Loon, Cannon, and Bretton Woods, with a spur to Conway and Cranmore, Attitash, Wildcat, and Sunday River; bus connections to Black New Hampshire, Sunapee, Gunstock, Ragged, and Mount AbramYes, there's the train from Denver to Winter Park (and ambitions to extend the line to Steamboat), which is terrific, but placing that itsy-bitsy spur next to the EuroSystem and saying “look at our neato train” is like a toddler flexing his toy jet to the pilots as he boards a 757. And they smile and say, “Whoa there, Shooter! Now have a seat while we burn off 4,000 gallons of jet fuel accelerating this f****r to 500 miles per hour.”On the number of ski areas in EuropeI've detailed how difficult it is to itemize the 500-ish active ski areas in America, but the task is nearly incomprehensible in Europe, which has as many as eight times the number of ski areas. Here are a few estimates:* Skiresort.info counts 3,949 ski areas (as of today; the number changes daily) in Europe: list | map* Wikipedia doesn't provide a number, but it does have a very long list* Statista counts a bit more than 2,200, but their list excludes most of Eastern EuropeOn Euro non-ski media and climate change catastropheOf these countless European ski areas, a few shutter or threaten to each year. The resulting media cycle is predictable and dumb. In The Snow concisely summarizes how this pattern unfolds by analyzing coverage of the recent near loss of L'Alpe du Grand Serre, France (emphasis mine):A ski resort that few people outside its local vicinity had ever heard of was the latest to make headlines around the world a month ago as it announced it was going to cease ski operations.‘French ski resort in Alps shuts due to shortage of snow' reported The Independent, ‘Another European ski resort is closing due to lack of snow' said Time Out, The Mirror went for ”Devastation” as another European ski resort closes due to vanishing snow‘ whilst The Guardian did a deeper dive with, ‘Fears for future of ski tourism as resorts adapt to thawing snow season.' The story also appeared in dozens more publications around the world.The only problem is that the ski area in question, L'Alpe du Grand Serre, has decided it isn't closing its ski area after all, at least not this winter.Instead, after the news of the closure threat was publicised, the French government announced financial support, as did the local municipality of La Morte, and a number of major players in the ski industry. In addition, a public crowdfunding campaign raised almost €200,000, prompting the officials who made the original closure decision to reconsider. Things will now be reassessed in a year's time.There has not been the same global media coverage of the news that L'Alpe du Grand Serre isn't closing after all.It's not the first resort where money has been found to keep slopes open after widespread publicity of a closure threat. La Chapelle d'Abondance was apparently on the rocks in 2020 but will be fully open this winter and similarly Austria's Heiligenblut which was said to be at risk of permanently closure in the summer will be open as normal.Of course, ski areas do permanently close, just like any business, and climate change is making the multiple challenges that smaller, lower ski areas face, even more difficult. But in the near-term bigger problems are often things like justifying spends on essential equipment upgrades, rapidly increasing power costs and changing consumer habits that are the bigger problems right now. The latter apparently exacerbated by media stories implying that ski holidays are under severe threat by climate change.These increasingly frequent stories always have the same structure of focusing on one small ski area that's in trouble, taken from the many thousands in the Alps that few regular skiers have heard of. The stories imply (by ensuring that no context is provided), that this is a major resort and typical of many others. Last year some reports implied, again by avoiding giving any context, that a ski area in trouble that is actually close to Rome, was in the Alps.This is, of course, not to pretend that climate change does not pose an existential threat to ski holidays, but just to say that ski resorts have been closing for many decades for multiple reasons and that most of these reports do not give all the facts or paint the full picture.On no cars in ZermattIf the Little Cottonwood activists really cared about the environment in their precious canyon, they wouldn't be advocating for alternate rubber-wheeled transit up to Alta and Snowbird – they'd be demanding that the road be closed and replaced by a train or gondola or both, and that the ski resorts become a pedestrian-only enclave dotted with only as many electric vehicles as it took to manage the essential business of the towns and the ski resorts.If this sounds improbable, just look to Zermatt, which has banned gas cars for decades. Skiers arrive by train. Nearly 6,000 people live there year-round. It is amazing what humans can build when the car is considered as an accessory to life, rather than its central organizing principle.On driving in EuropeDriving in Europe is… something else. I've driven in, let's see: Iceland, Portugal, Spain, France, Switzerland, Italy, Slovenia, Croatia, and Montenegro. That last one is the scariest but they're all a little scary. Drivers' speeds seem to be limited by nothing other than physics, passing on blind curves is common even on mountain switchbacks, roads outside of major arterials often collapse into one lane, and Euros for some reason don't believe in placing signs at intersections to indicate street names. Thank God for GPS. I'll admit that it's all a little thrilling once the disorientation wears off, and there are things to love about driving in Europe: roundabouts are used in place of traffic lights wherever possible, the density of cars tends to be less (likely due to the high cost of gas and plentiful mass transit options), sprawl tends to be more contained, the limited-access highways are extremely well-kept, and the drivers on those limited-access highways actually understand what the lanes are for (slow, right; fast, left).It may seem contradictory that I am at once a transit advocate and an enthusiastic road-tripper. But I've lived in New York City, home of the United States' best mass-transit system, for 23 years, and have owned a car for 19 of them. There is a logic here: in general, I use the subway or my bicycle to move around the city, and the car to get out of it (this is the only way to get to most ski areas in the region, at least midweek). I appreciate the options, and I wish more parts of America offered a better mix.On chairs without barsIt's a strange anachronism that the United States is still home to hundreds of chairlifts that lack safety bars. ANSI standards now require them on new lift builds (as far as I can tell), but many chairlifts built without bars from the 1990s and earlier appear to have been grandfathered into our contemporary system. This is not the case in the Eastern U.S. where, as far as I'm aware, every chairlift with the exception of a handful in Pennsylvania have safety bars – New York and many New England states require them by law (and require riders to use them). Things get dicey in the Midwest, which has, as a region, been far slower to upgrade its lift fleets than bigger mountains in the East and West. Many ski areas, however, have retrofit their old lifts with bars – I was surprised to find them on the lifts at Sundown, Iowa; Chestnut, Illinois; and Mont du Lac, Wisconsin, for example. Vail and Alterra appear to retrofit all chairlifts with safety bars once they purchase a ski area. But many ski areas across the Mountain West still spin old chairs, including, surprisingly, dozens of mountains in California, Oregon, and Washington, states that tends to have more East Coast-ish outlooks on safety and regulation.On Compagnie des AlpesAccording to Martin, the closest thing Europe has to a Vail- or Alterra-style conglomerate is Compagnie des Alpes, which operates (but does not appear to own) 10 ski areas in the French Alps, and holds ownership stakes in five more. It's kind of an amazing list:Here's the company's acquisition timeline, which includes the ski areas, along with a bunch of amusement parks and hotels:Clearly the path of least resistance to a EuroVail conflagration would be to shovel this pile of coal into the furnace. Martin referenced Tignes' forthcoming exit from the group, to join forces with ski resort Sainte-Foy on June 1, 2026 – teasing a smaller potential EuroVail acquisition. Tignes, however, would not be the first resort to exit CdA's umbrella – Les 2 Alpes left in 2020.On EuroSkiPassesThe EuroMegaPass market is, like EuroSkiing itself, unintelligible to Americans (at least to this American). There are, however, options. Martin offers the Swiss-centric Magic Pass as perhaps the most prominent. It offers access to 92 ski areas (map). You are probably expecting me to make a chart. I will not be making a chart.S**t I need to publish this article before I cave to my irrepressible urge to make a chart.OK this podcast is already 51 days old do not make a chart you moron.I think we're good here.I hope.I will also not be making a chart to track the 12 ski resorts accessible on Austria's Ski Plus City Pass Stubai Innsbruck Unlimited Freedom Pass.The Storm explores the world of lift-served skiing year-round. Join us. Get full access to The Storm Skiing Journal and Podcast at www.stormskiing.com/subscribe

Rund um die Welt haben Sparer und Sparerinnen auf ETFs gesetzt, in der Hoffnung, aus ihrem Geld langsam und vor allem sicher mehr Geld zu machen. Eine ganze Zeit lang hat das auch funktioniert. Doch im Moment erleben ETFs einen regelrechten Kursrutsch. Sind sie etwa nicht mehr sicher? +++ Finanzmarkt +++ Aktien +++ Sparen +++ ETFs +++ MSCI World +++ Trading +++**********HörtippARD-Podcast "Ein Zimmer für uns allein"**********In dieser Folge:00:02:28 - ETFS - Was ist das und warum gelten die als sicher?00:13:32 - Donald Trump - Die Antwort auf Turbulenzen im Detail00:21:49 - Wie gehts jetzt weiter?00:25:44 - Wahres für Bares / Fazit**********An dieser Folge waren beteiligt: Hosts: Anne-Catherine Beck und Bo Hyun Kim Gesprächspartner: Tim Oechsner, Kapitalmarktexperte bei der Wertpapierbank Steubing Gesprächspartner: Stefan Riße, Kapitalmarktstratege bei der Kapitalgesellschaft Acatis Gesprächspartner: Sören Hettler, Leiter der Anlagestrategie bei der DZ Bank Produktion: Uwe Breunig Factchecking: Lino Krukenberg, Laura Mattausch, Kathrin Krautwasser Redaktion: Anne Göbel**********Die Quellen zur Folge:Trump: Werde binnen Stunden nach Amtsantritt fast 100 Dekrete unterzeichnen (Deutschlandfunk, 20.01.2025)Index Fact Sheet: MSCI World Index (28.02.2025)Lufthansa Aktie RenditedreieckMSCI World RenditedreieckIMF (2024): Ranking der 20 Länder mit dem größten Bruttoinlandsprodukt (BIP) im Jahr 2023. Grafik, Statista, Zugriff am 21. März 2025Alle Quellen findet ihr hier.**********Weitere Beiträge zum Thema:Medikamente Ozempic und Wegovy: Wie Spritzen den Finanzmarkt aufmischenFinfluencer: So erkennt ihr seriöse FinanzexpertenKryptowährung: Wie Bitcoin durch Rechenpower entstehen **********Habt ihr auch manchmal einen WTF-Moment, wenn es um Wirtschaft und Finanzen geht? Wir freuen uns über eure Themenvorschläge und Feedback an whatthewirtschaft@deutschlandfunknova.de.**********Den Artikel zum Stück findet ihr hier.**********Ihr könnt uns auch auf diesen Kanälen folgen: TikTok und Instagram .

In this episode we are taking a fresh look at how AI is affecting the world of cybersecurity. As we've explored on the podcast in previous episodes, artificial intelligence has opened up a whole new world of opportunities for our organizations, but it also brings fresh challenges for cybersecurity professionals.We'll be looking at the current state of play, and asking whether AI as a tool to defend us can match AI as a weapon to attack us, with guest Simon Leech, Director of the Cyber Security Centre of Excellence at HPE.This is Technology Now, a weekly show from Hewlett Packard Enterprise. Every week we look at a story that's been making headlines, take a look at the technology behind it, and explain why it matters to organizations and what we can learn from it. About this week's guest, Karim Abou Zahab: https://www.linkedin.com/in/karim-abouzahab/Sources cited in this week's episode:McKinsey report into AI use: https://www.mckinsey.com/capabilities/quantumblack/our-insights/the-state-of-ai Statista report into cybercrime costs:  https://www.statista.com/forecasts/1280009/cost-cybercrime-worldwide  Improvements to swarm robot insects: https://news.mit.edu/2025/fast-agile-robotic-insect-could-someday-aid-mechanical-pollination-0115

In this episode we are taking a fresh look at how AI is affecting the world of cybersecurity. As we've explored on the podcast in previous episodes, artificial intelligence has opened up a whole new world of opportunities for our organizations, but it also brings fresh challenges for cybersecurity professionals.We'll be looking at the current state of play, and asking whether AI as a tool to defend us can match AI as a weapon to attack us, with guest Simon Leech, Director of the Cyber Security Centre of Excellence at HPE.This is Technology Now, a weekly show from Hewlett Packard Enterprise. Every week we look at a story that's been making headlines, take a look at the technology behind it, and explain why it matters to organizations and what we can learn from it. About this week's guest, Karim Abou Zahab: https://www.linkedin.com/in/karim-abouzahab/Sources cited in this week's episode:McKinsey report into AI use: https://www.mckinsey.com/capabilities/quantumblack/our-insights/the-state-of-ai Statista report into cybercrime costs:  https://www.statista.com/forecasts/1280009/cost-cybercrime-worldwide  Improvements to swarm robot insects: https://news.mit.edu/2025/fast-agile-robotic-insect-could-someday-aid-mechanical-pollination-0115

Los hogares en México tienen un aparato favorito: la televisión. De acuerdo con datos de Statista, es el país con el mayor universo de televidentes en el mundo hispanohablante, por eso, para que no la andes cambiando cada 3 o 4 años, Selene Ramirez nos dice que es lo que tenemos que hacer para que nos dure muchos años. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode we are taking a fresh look at how AI is affecting the world of cybersecurity. As we've explored on the podcast in previous episodes, artificial intelligence has opened up a whole new world of opportunities for our organizations, but it also brings fresh challenges for cybersecurity professionals.We'll be looking at the current state of play, and asking whether AI as a tool to defend us can match AI as a weapon to attack us, with guest Simon Leech, Director of the Cyber Security Centre of Excellence at HPE.This is Technology Now, a weekly show from Hewlett Packard Enterprise. Every week we look at a story that's been making headlines, take a look at the technology behind it, and explain why it matters to organizations and what we can learn from it. About this week's guest, Karim Abou Zahab: https://www.linkedin.com/in/karim-abouzahab/Sources cited in this week's episode:McKinsey report into AI use: https://www.mckinsey.com/capabilities/quantumblack/our-insights/the-state-of-ai Statista report into cybercrime costs:  https://www.statista.com/forecasts/1280009/cost-cybercrime-worldwide  Improvements to swarm robot insects: https://news.mit.edu/2025/fast-agile-robotic-insect-could-someday-aid-mechanical-pollination-0115

In 2021, 77% of consumers in the U.S., UK, France and Germany used Google to find business information according to a Statista report. Lead generation has changed over the years, but the truth is that contractors need to be where their clients are – online. Digital door knocking is nothing new, and contractors should leverage online tools to enhance marketing ROI and increase lead generation and conversion. What impact will the recent election have on digital door knocking? I specifically waited until after the election, no matter who won, to have my guest, Jimmy Speyer, discuss how demographic insights on consumer spending power help contractors be strategic in their marketing approach, in 2025 and beyond. Free P&L Statement and Balance Sheet https://tinyurl.com/2rjd6wxu Ruth King Twitter - @RuthKing LinkedIn - https://www.linkedin.com/in/ruthking1/   Podcast Produced by Nick Uttam https://www.linkedin.com/in/nick-uttam-4b33a1147

Telewizja traci widzów na rzecz VoD i serwisów społecznościowych. Do streamingu migrują kolejne gatunki, do niedawna uważane za ostoję telewizji - jak np. sport czy wiadomości. Z kolei influencerzy stają się nowymi gwiazdami telewizji, a opery mydlane ulegają "tiktokizacji" - w Chinach i Indiach na popularności zyskują aplikacje mobilne serwujące mikro-seriale z odcinkami trwającymi po 60 sekund. Czy taki trend dotrze także do Polski? Jak wygląda przyszłość tradycyjnych mediów i co oznacza dla widzów i reklamodawców? Vadim Makarenko z firmy Statista rozmawia o tym z Joanną Nowakowską i Wojciechem Kowalczykiem, autorami serwisu ScreenLovers. Więcej tekstów i rozmów o przyszłości znajdziesz w najnowszej edycji programu "Jutronauci": https://wyborcza.pl/jutronauci

In 2024, 62% of US adults invested in the stock market, according to Statista. This is a 20 year high. 87% of upper-income, 65% of middle-income, and 25% of lower-income Americans own stocks. TODAY, through James 1:9-12, I am going to show you how we as Christians are to invest above all other means. Furthermore, we are going to learn what God tells us in light of how we are to act and think in relation to the amount, levels and value of our earthly investments.Please SUBSCRIBE as a way to support this channel and our efforts.Join our Community at www.StevenGarofalo.ComBecome a supporter of this podcast: https://www.spreaker.com/podcast/reason-for-truth--2774396/support.

Odejście od stereotypowych wizerunków ludzkiego ciała w reklamach oraz wykorzystania roznegliżowanych modelek do sprzedaży materiałów budowlanych czy aut były niewątpliwą zdobyczą ostatniej dekady. Tymczasem amerykańska sieć fast-food Carl's Jr. powraca do kampanii w stylu "bikini i burgery", a Victoria's Secret znów stawia na supermodelki. Chwilowy trend, czy nowa strategia marketingowa wpisująca się w zmieniający się klimat polityczny? Czy slogan MAGA ("Make America Great Again") sprawi, że marki poczują się "odblokowane" i wrócą do dawnych schematów? Vadim Makarenko z firmy Statista rozmawia o tym z Małgorzatą Majcher, dyrektorką strategii i innowacji w agencji reklamowej DDB Warszawa. Więcej tekstów i rozmów o przyszłości znajdziesz w najnowszej edycji programu "Jutronauci": https://wyborcza.pl/jutronauci

AI-powered PR tech platform Everhaze has announced the launch of its new real-time radio and online media monitoring platform for Ireland and the United Kingdom. This latest addition marks the Irish company's entrance into the media monitoring market as it works towards the roll out of its AI-PR agent technology. Built by James McCann, the founder of PR agency ClearStory International, and Cormac Glynn, a former developer with Bank of America, Everhaze currently provides media database and CRM services across Ireland and the UK. To date, Everhaze has been focused on leveraging AI to bridge the sizeable gap between capabilities and insights for PR agencies and teams. Traditional processes have meant public relations professionals have experienced a high level of administration work between managing outbound PR campaigns and converting media monitoring results into actionable intelligence. Everhaze aims to complement existing public relations' professionals by mitigating arduous tasks and complementing existing teams. This latest new feature enables clients to react swiftly to breaking news and crisis scenarios by providing instant access to transcripts, audio, and synopsis within just 15 minutes of a mention across local and national media. Everhaze is also set to launch a 'narrative tracking' function, whereby brands can track localised or national sentiment trajectory in real-time or over extended periods. According to figures by the Central Statistics Office (CSO), 15 percent of all enterprises used Artificial Intelligence (AI) in 2024, compared with 8 percent in 2023. Among large enterprises, more than half (51 percent) used AI, with 30 percent using it for automated workflows or decision-making. A recent study by Statista also shows that 75 percent of global PRs already use genAI solutions in the workflow. This new media monitoring capability marks further progress on Everhaze's mission to develop the world's first AI-powered PR Executives. The overall goal is to assist under-resourced communications teams to both execute and monitor effective media relations campaigns effectively. Speaking about the launch of its new media monitor and its significance for PR agencies across Ireland and the UK, James McCann, CEO of Everhaze said: "There is an arms race happening at the moment in the ability to equip brands to analyse and react quickly to crisis and brand management issues. One area we have centred on is the provision of real-time narrative analysis. Knowing you're the subject of dozens or hundreds of mentions doesn't help you understand the significance of what is being said, especially when you are under-resourced on the comms side. Our solution provides that real-time intelligence in digestible format that can be actioned instantly." Everhaze has received support from Enterprise Ireland through its New Frontiers programme and is self-funded by its co-founders. The company's headquarters are located in the Media Cube at the Institute of Technology, Art and Design in Dublin, Ireland. See more stories here. More about Irish Tech News Irish Tech News are Ireland's No. 1 Online Tech Publication and often Ireland's No.1 Tech Podcast too. You can find hundreds of fantastic previous episodes and subscribe using whatever platform you like via our Anchor.fm page here: https://anchor.fm/irish-tech-news If you'd like to be featured in an upcoming Podcast email us at Simon@IrishTechNews.ie now to discuss. Irish Tech News have a range of services available to help promote your business. Why not drop us a line at Info@IrishTechNews.ie now to find out more about how we can help you reach our audience. You can also find and follow us on Twitter, LinkedIn, Facebook, Instagram, TikTok and Snapchat.

On this episode, we explore whether it's time for leaders to reframe their thinking from traditional customer experience to experience management. Although brands may understand that customer experience is essential to success, they often overlook the importance of other stakeholders. The term “experience management” goes beyond that interaction between brand and customer, encompassing the experiences of employees, vendors, shareholders and more. Listen for the actionable insights of Ian Golding, author, founder and CEO of Customer Experience Consultancy, and Diane Magers, author, founder and CEO of Experience Catalysts. Our guests share how brands can adapt their mindsets and practices to embrace this more inclusive approach, offering practical strategies for implementation.Visit our website to learn more about TELUS Digital.Show notesIan's book, Customer What?: The honest and practical guide to customer experience, is available wherever books are sold.Diane's book with Michael Hinshaw, Experience Rules!: The Experience Operating System (XOS) and 8 Keys to Enable It, is available wherever books are sold.Discover the digital customer experience priorities of enterprise leaders with survey results from TELUS Digital, in collaboration with Statista.Find out more about investing in agent engagement in the TELUS Digital article Call Center Basics: A Return to Fundamentals

Keith discusses the impact of baby boomers on the housing market, noting that contrary to popular belief, many boomers are choosing to age in place. He also addresses the negative effects of gambling, particularly sports gambling, on young men, including financial ruin and increased bankruptcies. 54% of baby boomers state that they will never sell their homes.  People aged 55+ own more than half of U.S. homes. The overall population growth in the US has grown at its fastest rate since 2001, reaching over 340 million. Millennials and Gen Z, the largest generations, are driving future housing demand.  Resources: GRE Free Investment Coaching:GREmarketplace.com/Coach Show Notes: GetRichEducation.com/541 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host, Keith Weinhold. All the baby boomers are about to sell off their homes and downsize, unleashing a glut of supply onto the market, and housing prices crash. Is there cogency to that theory or not? I give you a definitive answer, the Trump bump, then later, a pernicious vice is destroying more people's lives today, especially young men and almost no one is talking about this. It's leading to lower credit scores, more bankruptcies and even more suicides today on get rich education   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com.   Corey Coates  1:25   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:41   Welcome to GRE from Hyannis, Massachusetts to Hiram, Utah and across 188 nations worldwide. I'm Keith Weinhold, and you are inside get rich education episode 541 just another slack jawed and snaggletoothed podcaster here now a popular, I suppose, media narrative that's been out there for a long time is this premise that US housing prices are going to crash hard because all the aging baby boomers are going to sell their homes, and Boomers are the biggest generation in all of American history. This is just going to magnify the price collapse. It means far more home sellers than buyers. So soon enough, sellers will have to keep cutting prices. Everyone's going to undercut everybody to compete with all of these for sale homes. So as a result, everybody's property values are going to collapse today. Let's look at how bad it will get. Should you get ahead of this and sell it all now and then? I'll even tell you when this popular narrative will supposedly happen with boomers selling en masse, or won't it happen at all. That's what we're looking at, the term silver tsunami. You've probably heard that thrown around in the real estate world. It actually refers to pent up housing stock that older homeowners will eventually choose to sell, which would have that effect of flooding the market with all this new inventory. All right. Now let's define what we're talking about here. Baby Boomers are the generation born just after World War Two, between 1946 and 64 that makes them between the ages of 61 and 79 this year. Okay, so basically, these people are in their 60s and 70s. That's their age. My parents are baby boomers. President Trump is at the upper age limit for a boomer, but they're not all as old as you think. I mean the youngest baby boomers include Michelle Obama, Sandra Bullock and Rob Lowe. So not all boomers are like super old, but see, it is a big generation of over 76 million people. So whatever they do really moves the economy. And maybe you've heard it been said, My gosh, what if we have more dyers than buyers? But now a more nascent trend is that you hear about more and more boomers and people older than boomers not selling their home instead wanting to age in place. And that just means they want to stay in their home and not go to a nursing home or assisted living. And that was recently quantified in a survey that Housing Wire reported on it found that 54% of baby boomers say that they'll never sell their homes, some of them passing homes along as inheritance and see often that's because their home is paid off and assisted living care costs are through. To the roof, more than half of boomers don't have any mortgage at all. All right, so we've established that boomers aren't as old as most people think, and then a lot of them aren't planning to sell. But still, let's look for trouble here, because boomers are a huge group, and some portion of them are going to sell is they age, even if a lot of them say that they won't. How about the almost half of boomers with a mortgage? You know what? Here's the thing, if they downsized, like older people have traditionally done. I mean, my grandparents downsized long ago. But do you know what would happen if boomers downsized? Today? For most, their monthly mortgage payment would actually go up if they downsized. That's because of today's higher mortgage rates and home prices. And see, that's a financial reality that keeps them in place. They're never going to downsize. All right, so a lot of boomers are just not going to sell. But still, this wave of selling boomers crashing the housing market, this has been a popular narrative for, I don't know, maybe more than a decade. Now there's been a lot of smoke, so then where is the fire. That's another way to think about this. So there's got to be more to this. And there is, in fact, people age 55 plus, own more than half of the homes in the US. Did you know that? All right? Well, if we pull back from boomers, and let's just take a look at all homeowners of every age, people are staying in their homes longer, whether they're age 30 or 50 or 80, Americans now stay in the same home about 12 years. That is twice as long as 2005 Well, what that means is that homes don't come onto the market and people cannot buy what's not for sale. And then, of course, you've got the well documented interest rate lock in effect. That's a contributor here to people of all ages with 4% mortgages, they are reluctant to sell. And now what we're talking about here are demographics. Remember that quote, demography is destiny, the three word quote from 1800s era French philosopher Auguste Comte, and that's because it's completely predictable. If you're 32 years old today, in 10 years, you'll be 42 totally predictable. All right, if demographics could possibly crash housing crisis, let's step back and see what's going on with overall US, population growth. You know what? It just grew at its fastest rate since 2001 about a full 1% growth last year, yeah, we broke the 340 million population mark for the first time ever. And now, what about the portion that our immigrants, and what if a substantial amount of them get deported? I mean, after Trump settled into the White House for his second term, deportations began almost immediately. Is there enough population growth to buy from the boomers that do sell their homes? Well, if mortgage rates come down into the low fives, then maybe more boomers will sell and bring some more resale inventory onto the market. See, you need a good chunk, though, of buyers to come in from somewhere in order to support future housing prices. Well, where are those buyers going to be? Well, some people still don't realize that the largest generation in American history is, in fact, not baby boomers, it's millennials. They became the biggest group more than five years ago. In fact, Statista tells us that Gen Z isn't far behind them either. Yeah, Gen Z is almost as big as millennials as a group coming right behind them. And of course, this varies a little bit. Demographers parse the generations somewhat differently, but here's what the rise of the biggest generation means, millennials. They're aged 29 to 44 now, and there are over 70 million of them, and then almost as big the next group right behind them, Gen Z. They're ages 13 to 28 they alone number about 70 million themselves, even if you just completely leave the surge in immigration out of the picture and all the additional housing demand that immigration brings. So we're mainly just looking at the domestic side alone here. So. What's happened is that there were 4 million plus births per year from 1990 to 2010 providing a tailwind for housing demand through 2035, 2045, or later. Yeah, we had more births during many of those years than we did in the peak of the baby boom, which was 1957 like I've mentioned on the show before, the average age of a first time homebuyer is now a record high of 38 years old, per the NAR it's really taken a long time for some people to stop playing the video games and moving out of their parents basement. Okay, well, the peak birth year for the US was 2007 I just told you it was elevated between 1990 and 2010 but 2007 was that peak, alright? So take that peak and add 38 years to it, and you know what? The first time homebuyer demand is just going to continue to build, build, build, and not even reach its peak. Then until 2045 or so, the peak birth year 2007 plus 38 years, that is where the crush of future demand is coming from because that person born in 2007 on average, they're not even going to buy their first home until well into the 2040s   In fact, the number of Americans turning 35 every single year is High, and it just keeps increasing. It's over 4 million now, already up 25% since 2011 and this number of Americans turning 35 is going to keep rising for another decade or two. In fact, this year, it's going to approach 5 million Americans turning 35 new record territory coming. And I keep bringing this up because 35 is a key age, because by that time, almost everyone has moved out of their parents home, and so that's the time where people either need to rent or own themselves, pushing up both rents and prices, and that's why this wave of demand and pent up demand is just gonna keep coming. And by the way, those stats that I gave you there, they're all sourced from the US Census Bureau. I mean, this is exactly where the housing demand just keeps coming from. It's a big factor about why prices keep going up. The demand just keeps piling on, even though affordability worsened, the demand just keeps coming. And it's just going to keep on coming well in to the 2040s now it could very well ebb substantially by, say, the middle of the 2050s but we'll see, and that is still three decades away. And remember, all of this doesn't even include the additional population growth from immigration and how many non deportees that is going to add to the housing demand on top of this, and then, if that's not enough, there is even more future housing demand expected to come from the declining number of occupants per household. Yes, the reduced household size that Stokes housing demand. I touched on this with you a little before on a prior show. But let me go deeper as we continue to corrode this more dyers than buyers. Theory, as we break this down, people have smaller families today. I think everybody knows that back in 1960 there were 3.3 occupants per household. Today, it's just two and a half. And to give you a simple example of how this itself keeps stoking the housing demand, just say that there's a village of 100 people with three occupants per household, they would need 33 and 1/3 homes over time, when that drops to two occupants per household, that's the direction we're going now that same village needs 50 homes just in order to accommodate the shift in household structure. Well, 50 homes is 50% more than 33 and a third, well, that means 50% more homes are needed, and that's even in a scenario where the population stays the same. Yet it's not staying the same, it's rising, and the population is really rising fast for that key household form. Population age range of 35 to 38 years old. Fewer Americans are living together. I expect the housing market to continue shifting toward smaller household counts. One person households will keep rising. I expect that to be one of the most impactful housing trends of this entire 21st century, and it's also really helping fuel a loneliness epidemic, which is another subject unto itself. Well, the three main drivers of this rise in single person households is that first people are delaying those major life events compared to previous generations. They're attending school longer. They're marrying later. They're buying homes later. They're having children later. And as these events are postponed, the time some young adults spend living alone or without children increases. They're playing video games longer as well. The second driver of these single person households is falling. Birth rates when people have children, many are having fewer than previous generations, reducing the average household size. That's pretty obvious. And then third the population composition is getting older. And older, people tend to live with fewer people. If life expectancy rises, this component of the trend would only intensify. Yes, the whole Brian Johnson thing, he is the health influencer that says we now have alive, the first generation that's going to live forever due to advances in longevity in technology. I mean, my gosh, if he is right, what would that do to housing demand? I mean, and it would also push up our average age even more. Gosh, yet, at the same time that all this demand keeps pushing up. America already has a well publicized overall housing shortage of several million housing units. You already know that story well, construction has picked up a little, but not enough to keep up with demand. In fact, American housing supply is still about 30% below pre pandemic levels. So suffice to say, let me give you a satisfying definitive answer here, when are selling boomers going to crash housing prices? It is highly unlikely that that can even happen at all. In fact, you see fewer stories about this than you used to. More people have come to realize that it is just not happening. And looking at us demographics over the next few cycles, a lot more people will need homes demand continuing to exceed supply. This is why home prices should just keep rising from here. In fact, I have been an active single family rental property investor here myself, single family is where perhaps the greatest shortage is and the greatest demand is at the same time I am owning something that people are definitely going to need more of. Remember, demography is destiny, and they're going to pay more and more for it. When mortgage rates fall, it's probably going to bring in even more buying activity, and now all of this continued upward, long term, future price momentum for housing, of course, that all existed before Donald John Trump step into the White House to start his second term last month. I think the Trump factor, or Trump bump, you know what often gets somewhat exaggerated for what it can do to the economy and housing prices, right? I mean, I've talked to you before, it's about the decisions that you make more so than decisions that a politician makes, but Trump is doing some things on a pretty seismic level these nascent immigrant deportations, that obviously can increase the cost of labor you're exporting away your low cost labor with immigrant deportations. I mean, that is inflation tariffs, though some tariffs have been negotiated away for the time being, that's more inflation. So deportations mean wage increases. That's more inflation. Increased wages mean increased rents. Trump talks lower taxes. Lower taxes can then mean higher rent payments. Proposals to eliminate. Made taxes on tips over time and Social Security, that means that Americans and retirees are gonna have more disposable income. More income means higher rent collections, fewer delinquencies, and potentially rising home prices as affordability improves. That's a lot of the good news. It's not all rosy news. You better look out for high tax states salt adjustments that state and local income tax and a deduction cap could harm their property values. We're talking about places like California, New York and New Jersey, the 2017 Trump tax cuts and Jobs Act that gave real estate investors some really juicy benefits, like 20% pass through deduction for LLCs and bonus depreciation on rental properties and lower corporate tax rates too. Combined this stuff, it all keeps more money in your pocket and allows for bigger deals with better cash flow.    We're talking about Trump bump factors on the real estate market here, other proposals on the table, other things like tax breaks for domestic production that could boost us construction, leading to more badly needed housing supply that could lower building costs and investment opportunities in niche in growth markets. Remember opportunity zones, and then what about targeting wealthy investors? We'll see what happens, but Trump's plan removes tax breaks for hedge funds and billionaire sports owners. But could real estate investors get hurt a little on that side too? Maybe look for changes to the 1031 or depreciation strategies. But you know, the 1031 exchange has been around for over 100 years. I would be surprised if it went away completely, and yes, though they have been postponed, if 25% tariffs on Mexico and Canada do go into place and the countries retaliate, as they've been shown to do, it would add point seven 6% to US inflation and subtract 410 of a percent from US GDP growth. Aren't those two projections Interesting? Yeah, those estimates were compiled by the Yale budget lab. So adding about three quarters of a percentage point to the overall inflation rate with these tariffs. I mean everything we're talking about the price of your housing or your car tires or your tomatoes and romaine lettuce. I mean, that effect could take money out of people's pockets. Yes, we know that Trump wants to bring down interest rates, but I don't know how he's going to do that. I mean, as you know, more inflation correlates with higher rates, not lower ones. See, you just can't get it all. You just can't have it all. And of course, mortgage rates are not historically high. They've simply been normalized after years of being artificially low. Rates are normal. So normalized is really a term that I like to use. So really, to help summarize what I've shared with you here in the first half of the show, a housing price crash induced by a boomer sell off is not a thing. In fact, almost Oppositely, demographics in this pent up demand should raise up future home prices, and to a lesser extent, a Trump bump can as well. Yes, gosh, Trump just has an insatiable fascination for tariffs. It is truly amazing, and it has more stick to itiveness than say, Mark Zuckerberg, recent fascination with masculine energy and gold chains, that's for sure.   Hey, before we get into the pernicious vice that's destroying more people's lives today, especially young men and almost no one is talking about this, it's leading to lower credit scores, more bankruptcies and even more suicides. First, I've got some cool things to tell you. About two weeks ago here on the show event, host Robert Helms of the real estate guys and I invited you to join us on the terrific Investor Summit at sea, that cruise on the Caribbean. Besides the two of us, there are a number of other great faculty members. Robert Kiyosaki recently announced that he's going to be joining us on the faculty as well. So you'll get to meet and learn from Robert Kiyosaki, and if you happen to be a new listener, he is the top selling personal finance author of all time the. Rich Dad, Poor Dad, author, and he's been our guest here on the GRE podcast four times. Now, I hope to meet you, the listener, in person on the summit at sea in the Caribbean this June, starting out of Miami. Gosh, what an outstanding time that is. It's not a low cost event, however, the minimum cabin in interior cabin is $5,900 and they are more expensive from there if you get nicer accommodations. But all the details are there on GRE podcast episode 539 two weeks ago. I really hope you'll join us and then I can meet you in person.   Earlier this month, Trump established a US sovereign wealth fund, and when he did, I congratulated our frequent contributor here, macro economist Richard Duncan, because Richard championed the establishment of that fund for years. He presented to Congress about it, and Richard was the first ever GRE guest with us back here in 2014 on the Panama coffee farm investing that we've discussed here on the show, Villanova University reached out to them, and they're now collaborating together. It's something I find kind of cool, as a Pennsylvania native and one of my tightest best friends is also a Villanova alum, as for future episodes coming up on the show. Here, imagine if you had a property loan, yet you didn't have to make any payments, and if you did make payments on your loan, then every penny of that payment goes to principal, not to interest. Wouldn't that be incredible? Well, such a thing does exist, and it's not new or experimental or avant garde. People just don't know about this vehicle. We're going to discuss that right here on next week's show, along with some other vital mortgage topics. There are three ways to connect with our education at GRE you're listening to one of them right now, our flagship podcast. Also check out our get rich education YouTube channel, because that is different content than this show. That's the second way, and that show is also on other video first, platforms like get rich education on rumble, and finally, you'll have it all, all three when you get our weekly Don't quit your Daydream newsletter if you don't already get it free now, while it's on your mind, simply text GRE 266, 86, more. Next. I'm Keith Weinhold. You're listening to get rich education.    Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS 420056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties, they help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com that's Ridge lendinggroup.com    Oh geez, the initial average bank account pays less than 1% on your savings, so your bank is getting rich off of you. You've got to earn way more, or else you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk, your cash generates up to a 10% return and compounds year in and year out. Instead of earning less than 1% in your bank account, the minimum investment is just 25k you keep getting paid until you decide you want your money back. Their decade plus track record proves they've always paid their investors 100% in full and on time. And you know how I'd know, because I'm an investor in this myself, earn 10% like me and GRE listeners are. Text family to 66866, to learn about freedom. Family investments, liquidity fund on your journey to financial freedom through passive income. Text family to 66866.   Robert Kiyosaki  29:31   this is our rich dad Poor Dad. Author Robert Kiyosaki, listen to get rich education with Keith Weinhold and Don't Quit Your Daydream.   Keith Weinhold  29:50   Welcome back to get rich Education. I'm your host. Keith Weinhold, every once in a while, there's an investing adjacent activity that becomes. Is pronounced or become such a trend that it just can't be ignored, and you need to know about it. I recently presented on how gambling is financially derailing so many people today, especially young men and sports gambling and what makes California and Texas special here, the two most populous states, by the way, you'll see, once they legalize this, it's gonna get worse. There are two states where it's not legal yet now investing in gambling. They are two distinctly different activities. Investing is different from gambling. When you invest, you're purchasing a stake in an asset that has value in an effort to generate profit. But gambling doesn't involve taking ownership of anything of value. Instead, betters are predicting the outcome of an event gambling. It's really not a side hustle. I mean, people are constantly losing their families and businesses over this. This will be all new material here on the show as usual, except for a short snippet that includes super CPA Tom Wheelwright. This is about 10 minutes in length. Shout out to the media team here at GRE on the production side. And then after this, I have more to tell you about real estate.    Speaker 1  31:30   America is in the midst of an historic surge in legalized gambling.   Keith Weinhold  31:37   This is the worst thing that people are now doing with their time and money today, it's not losing it to inflation, it's not playing video games. It's being a slack jawed gambling degenerate. We are in the midst of an historic surge in legalized gambling, and the devastation on gamblers, especially young men is a lot worse than you think. I've also got a giant ominous warning for you that seasoned gamblers don't even know about when I bring in my CPA for just a minute here today on the seriously punishing tax implications that should scare anybody out of gambling.    Hi, I'm Keith Weinhold, get rich education, founder, Forbes real estate council member, best selling, author, and long time real estate investor. Almost 60% of 18 to 24 year olds have placed at least one sports bet now that's per the NCAA, and that has surged so fast. I mean, just less than a decade ago, major pro sports leagues shunned gambling, disassociating with it because it was illegal in most places. The big turning point was 2018 that's when the Supreme Court ended a decades long ban on commercialized sports betting. 38 states and DC have now legalized it most with minimum age requirements set at 21 and the two biggest platforms are DraftKings and fam duel. They've got about 70% of the market. But look, you can do this if you're under 21 on platforms like prize picks and flip they offer betting like experiences. They operate under fantasy sports or sweepstakes, and having these apps on your phone that just brings the gambling right to you. It keeps it in your face and addictive. Now it's like you're sitting in a casino when you're on your living room so far, or in your bed or even in the bathroom, there is no escape. Two thirds of Americans live in a state where they can access it on their phones. And look how young some of these gamblers are, what they have to say. And then who's showing up in these gamblers Anonymous meetings   Speaker 1  33:56   today's world is the 16, 1718, year olds, 1921, year olds that get addicted years ago, before, unlike casinos, if we had a person coming in and they're 24 years old, it was rare. All right, now the norm, the real norm, it's kids coming in at 17 years old. That's the norm.    Keith Weinhold  34:16   Well, one big reason why it's such a problem is, look, you can't hide it, so that therefore others can't tell if you're gambling, because you're not, you know, shooting it into your veins, or you're not acting drunk, or you're not smoking anything. See, you can gamble without exhibiting a physical change, so therefore others don't know that you need help. And it is all over the place. I mean, gambling ads air on TV over 60,000 times a year. Celebrities endorse gambling. I mean, some teams put gambling ads right on the field. Brick and mortar sports books are even built inside some stadiums now, Caesars and bet MGM. There are two other big platforms that you might see out there, but I mean, in their commercials, yeah, they can put that one 800 gambler help number on screen and tell you things like, gamble within your limits. But look, here's the thing these platforms, they're not going to cut you off if you continue to lose and they profit. In fact, if you win disproportionately big time after time, and these platforms can kind of tell that you're too smart. You know what they do, like a casino that identifies a card shark in Vegas, they're either gonna curtail your activity or just totally cut you off, alright? So then, by definition, if you have an account in good standing at FanDuel or DraftKings, and you bet a lot, and they keep letting you play well, then you have just signaled to the entire world that you don't know what you're doing, and you are going to lose big, or you already have. I mean, that is baked into the cake. That's how the system works. So therefore these companies are basically mining America to find anyone stupid enough to keep placing these sports bets. Companies are profiting from this, and then states are too. I mean, they've collected billions in tax revenue and FanDuel and DraftKings, see, they're publicly traded companies, so this means that they have shareholders, and those shareholders, they want to see profit and growth. I recently asked decorated CPA and mega popular tax author Tom Wheelwright about tax rates on gambling for just a quick three minutes here. I mean, you won't believe how punishing This is.    Can you tell us about sports gambling taxes and how it's treated   Tom Wheelwright  36:43   yeah. So remember, all income is taxable. So that includes gambling winnings. They are taxable. In fact, you'll get a 1099 just like you would if you rendered services, you know, you'd get a 1099 right? Or you have interest income, you get 1099 you get 1099 from gambling. What you actually have to show is that you actually have gambling losses. So you have to track those gambling losses to show the IRS that you've got gambling losses. But your gambling losses can never be more than your gambling winnings. In other words, you don't you never get to generate a tax loss on gambling. So that means is, is that if you win $10,000 during the year, and you can prove that you lost $8,000 during the year, you're gonna be taxed on $2,000 but if you can't prove the 8000 you're gonna be taxed on 10,000 Yeah,   Keith Weinhold  37:39   so you the gambler have the burden of tracking this, and I guess tracking your losses. I'm not a gambler. How would one track their losses?   Tom Wheelwright  37:47   Oh, I would keep a detailed ledger. Personally, I'd probably have a separate bank account just for gambling. Gosh, that's the way I would do it. I'm not a gambler either. So by the way, it's also a good way to budget your gambling so they, you know, get in trouble, right? So just set up a separate bank account, put whatever money you say, I'm comfortable with this money, I'm going to gamble with this money, put in that bank account, and then you have a ledger that shows the money that went in and the money you lost, the money you won, and don't do anything but gambling in that bank account.   Keith Weinhold  38:18   Hey, that separate account's a great way to hide it from your spouse, not that I'm suggesting.   Tom Wheelwright  38:25   Well, interesting. You went there.   Keith Weinhold  38:29   I'm not a gambler at all. Can't even believe I was thinking that far ahead. What are the gambling tax rates like? They're ordinary   Tom Wheelwright  38:35   income tax rates. So gambling winnings are just ordinary income they're they're the same as your wages. They don't have social security taxes their income, just like any other kind of income, nothing special, okay?   Keith Weinhold  38:47   And this all applies to whether it's sports gambling or general gambling, like lotteries and sweepstakes.    Tom Wheelwright  38:53   Just remember, all incomes taxable unless the government says it isn't all income, okay? And then there's some types of income that are taxed at special rates, like capital gains, but gambling has no special rate, so it's just your ordinary income rates.   Keith Weinhold  39:09   Gosh, to me, it seems like it's, it's hard to break even with gambling over time, and then when you take the tax adjusted earnings that you get from it, you know, over the long term, you know, I just don't think Harris and Bally's Casino is really incentivized to inform gamblers on how punitive this can be with ordinary income tax rates applied to gambling winnings.   Tom Wheelwright  39:30   No, but they will send you your 1090, 9g I guarantee that.   Keith Weinhold  39:34    So can you imagine tracking all that and then paying all that in tax, and this is even if you're on the winning side and then keeping a separate bank account as well. And note that Tom and I were talking federal. There. It gets even worse. Some state laws are punishing, like New York, which has a 51% tax rate on mobile sports wagering bank. Up 28% since states have legalized this and credit scores have dropped now, California and Texas are the two big states, and they still haven't legalized sports gambling. They're the two big ones, and when they do, that's when you'll see more bankruptcy and more people, especially young men in financial ruin. I mean gamblers, Anonymous meetings are filled with people hooked on betting and on stock options trading too, and you know, Worse still, among addiction disorders, gambling has a comparatively high suicide attempt rate. And you know, understand that, while both involve risk, investing in gambling are two different things. When you invest, you're purchasing a stake in an asset that has value in an effort to generate profit. But gambling doesn't involve taking ownership of anything with value. Instead, betters are predicting the outcome of an event. Now, I gambled as a teen on sports, and back then, it was just a friend and I, we would each lay a $20 bill on top of the television at the start of like a Mets versus Phillies baseball game, and then it sure made the game more interesting to watch. There wasn't any sort of app to make it easy, suck me in and make it a recurrent practice. I haven't gambled since. Now that you're aware of the gravity of the problem, the best thing you can do for yourself is to delete those apps off your phone. Because look, I mean every gambler that had their lies flipped over and turned catastrophic at one time, they told themselves, you know, I'm doing this, but it's under control. I mean, everybody once said that the best thing you can do is delete FanDuel DraftKings and any other apps like that off of your phone right now and vow to never do it again. I hope you like that. You know, it's sort of interesting and introspective to me that I would produce a piece of media like this because I am a sports fan. I watched more of the NFL this past season than I have in a while. You know, I'm in a phase of my life, or I'm a pretty productive person, doing research and interviewing guests and producing GRE media. But you know, I justified watching more sports lately because there's room for an entertainment bucket in everyone's life. That's how I feel. And you know, I don't really watch movies. Most movies I watch feel like a waste of my time when I'm done after two hours, because I'm usually disappointed in it. If I ever watch movies, I gotta watch movies on the plane, because even if it was lousy, I got somewhere in the process. So in any case, now, if gambling is controlled, well, then it might be debatable about whether or not it's a vice, like, say you go to Vegas and have your $250 spending limit or whatever.    But just remember, every gambling degenerate once told themselves and everybody that they know that they've got it under control, but yeah, often they didn't around here, we champion owning real estate directly yourself, that is something that is in your control. So we're not talking about REITs, Real Estate Investment Trusts. That's just a publicly owned company and a group of them. It's not real estate tokenization. That means owning digital fractional shares of a property or a real estate investment. I mean direct whole ownership also means it's not a syndication now that might be worth doing, though, that means that you're pooling other investors money. It's not direct whole investing. If you are investing in someone else's syndication, meaning that you're a limited partner and direct real estate investing, it means not being a flipper or a wholesaler. Again, those things might be worth doing, but they're really time consuming, and they're not tax advantaged either. But when you own rental real estate directly yourself, you don't even need to be a landlord. If you choose not to you, then will not be that point of contact for your tenants when others manage it. And yes, because of the five ways that you're paid, you can make the case that real estate has hegemony over other assets, and for the demographic reasons and the inflationary reasons, like the ones that I told you about earlier today, real estate appears poised to continue as the. Hegemon. In fact, recently, so many global hedge funds have dumped every stock that they have, except for the real estate stocks. I shared that article with you in our newsletter recently. That's largely a tariff response. Let me tell you about real properties on GRE marketplace right now that are ripe for owning directly. I mean direct ownership. That's also the easiest to understand. You are paid rent by a tenant that lives there, often through your property manager, and unlike the out of control sports gambler, this is very much in your control. A brand new build single family rental in Columbiana, Alabama, that's just south of Birmingham. Rent is $1,925 the price is $269,900 over 1600 square feet, four, bed, two bath. Now with the new build, expect low maintenance costs. Is currently vacant, get an interest rate of six and three quarters percent with a 25% down payment on this new build, single family rental in Alabama. Then another sample here. This is interesting. The rent on this old build Davenport Iowa duplex is $1,900 which is about the same rent as the Alabama single family rental I just described. But yet the price for this Davenport duplex is just $183,000 Davenport is part of America's Quad Cities with a combined population of about half a million with both duplex sides. It's a combined square footage of almost 2700 square feet, five, bed, two, bath. They're on Brown Street in Davenport, and now, as favorable as those $1,900 combined duplex rents are, since this property is vintage, in fact, it's over 100 years old, you better check closely on the renovations that were made to the property and have plenty set aside for any maintenance and repairs as well, with a 25% down payment, expect an interest rate of just six and one quarter percent. And there are more financing details there. And of course, rates are always changing. The last one I'll mention is this new build, another duplex, this one in Inverness, Florida. This is really interesting too. And now, what do you think when you think of Florida, real estate? Does climate change come to mind? For some people, it does. For some it doesn't, maybe even rising sea levels over the long term. Well, Inverness, Florida is 15 to 20 miles inland, and it's 50 feet above sea level. How about high insurance rates? Does that come to mind with Florida? Well, they're not so high on new build properties, since they're built to today's stringent hurricane standards. Is Florida temporarily over built, even though the nation, in aggregate is under built? Yes, some Florida markets are overbuilt, and that's how you could potentially snag a deal and get this with 25% down, you can get an interest rate as low as four and three quarter percent, yes, and that's showing with zero buyer paid discount points, the combined rent from both sides of this new build Inverness duplex is estimated at $2,830 of course, often you need to estimate a rent range or make an estimate on the projected rent for new builds, because often they're not occupied yet, since they were just built, sales price of just a touch under 420k on the Inverness duplex, and as just one of the five ways you're paid the cash on cash return is projected at 5% yes, your return goes up into the positive cash flow zone when your mortgage rate is as low as four and three quarters percent. I mean, that is really attractive. It also comes with a year of free property management. So there you go, a new build single family rental in Alabama, an old duplex in Davenport, Iowa, and a new build duplex with just killer incentives in Inverness, Florida, and that's just the sampling of real estate pays five ways type of properties. We either help you get started or continue on your path to financial freedom and help you do that. With our completely free investment coaching, we work with you to help you with these properties or others like them or none at all, if it's not in your best interest to invest now at GRE marketplace.com All you need to do to get started from GRE marketplace.com is click on the coaching area and you can get on the calendar for a free strategy session until next week, I'm your host, Keith Weinhold, don't quit your Daydream.   Speaker 2  50:35   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively, Chris,   Keith Weinhold  51:03   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

Pour la neuvième année de la grande enquête des Echos Week-end avec Statista sur les plus belles trajectoires de croissance entre 2020 et 2023, c'est une entreprise du secteur de la construction qui arrive en tête de classement. Dans « La Story », le podcast d'actualité des « Echos », Pierrick Fay et ses invités décryptent la réussite de Kleidi dans l'immobilier d'entreprises durable dont l'empreinte est compensée par des plantations d'arbres aux côté des bâtiments.Retrouvez l'essentiel de l'actualité économique grâce à notre offre d'abonnement Access : abonnement.lesechos.fr/lastoryLa Story est un podcast des « Echos » présenté par Pierrick Fay. Cet épisode a été enregistré en février 2025. Rédaction en chef : Clémence Lemaistre. Invités : Ali Kaboré et Simon Tabourier (cofondateurs de Kleidi) et Laura Berny (rédactrice en chef aux « Echos Week-end »). Réalisation : Willy Ganne. Chargée de production et d'édition : Michèle Warnet. Musique : Théo Boulenger. Identité graphique : Upian. Photo : Shutterstock. Sons : « Astérix et les Vikings » (2006), FK_Prod « Antiquity Rome 1 » (2013), TapNation, TF1, « L'enquête corse » (2004), « La Traversée de Paris » (1956), Arte. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

It's been labelled a “marvel of engineering” and a “miracle of convenience” by Harvard Health Publishing. Data published by Statista in July 2022 showed that in 2018, 93% of UK households owned a microwave, a figure which had risen from 67% when the survey started back in 1994. But still some doubts persist about whether microwaving food is bad for your health. Some people even say they cause cancer. Rest assured they don't. But there are a range of other complaints and concerns over food quality and health. So, are they simply urban myths or based on frightening reality? Let's investigate! How do microwaves work? What about all the radiation? Doesn't microwaving food reduce nutrient value? In under 3 minutes, we answer your questions! To listen to the last episodes, you can click here: Can you train your brain like a muscle? How often should you wash your jeans? Should I walk 10000 steps a day? A podcast written and realised by Joseph Chance. First broadcast: 21/1/2023 Learn more about your ad choices. Visit megaphone.fm/adchoices

What do women really want for Valentine's Day? Wouldn't it be great to know? Some people like Valentine's Day and some think it's nothing more than a sham to sell cards, flowers, and chocolate, and does it even matter? In this special Valentine's Day episode, we continue talking about the Platinum Rule. Whether you like Valentine's Day or not, you're going to want to listen to this episode. Happy Valentine's Day, or Happy non-Valentine's Day you choose—just make sure you forget the flowers and pursue the platinum, can I get a second? Contact usLinktree: www.Linktr.ee/HappyLifeStudiosEmail: Podcast@HappyLife.StudioYo Stevo Hotline: (425) 200-HAYS (4297)Webpage: www.HappyLife.lol YouTube: www.YouTube.com/StevoHaysLinkedin: www.linkedin.com/in/steve-hays-b6b1186b/TikTok: www.tiktok.com/@happylifestudiosFacebook: www.Facebook.com/HappyLifeStudios Instagram: www.Instagram.com/HappyLife_Studios Twitter: www.x.com/stevehays If you would like to help us spread the HappyPayPal: www.PayPal.me/StevoHaysCash App: $HappyLifeStudiosZelle: StevoHays@gmail.comVenmo: @StevoHaysBuy Me A Coffee: buymeacoffee.com/HappyLifeStudioCheck: Payable to Hays Ministries or Steve Hays and send to 27240 213th Place S.E. Maple Valley, WA 98038 Show LinksDrive Research: https://www.driveresearch.com/market-research-company-blog/valentines-day-statistics/Statista: https://www.statista.com/topics/5142/valentine-s-day-in-the-us/Chase One: https://capitaloneshopping.com/research/valentines-day-shopping-statistics/

Czy w dobie coraz bardziej skutecznych leków na odchudzanie (jak Ozempic, Wegovy czy Zepbound) będziemy jeszcze chcieli ćwiczyć? Lekarze twierdzą, że musimy, o ile nie chcemy doprowadzić do spadku masy mięśniowej. Dlatego kluby fitness już zacierają ręce i szykują się na nowy typ klienta. Potrzebuje on treningu siłowego, który nie tyle spala kalorie, co rozwija mięśnie. Siłownie na Zachodzie coraz częściej eksponują strefy wolnych ciężarów a sztuczne rowery, bieżnie oraz orbitreki spychają na obrzeża. O tym jak polska branża fitness szykuje się na przyjęcie "ozempikowców" Vadim Makarenko z firmy Statista rozmawia z Tomaszem Groniem, dyrektorem zarządzającym siecią klubów fitness Zdrofit należącą do Benefit Systems. Więcej tekstów i rozmów o przyszłości znajdziesz w najnowszej edycji programu "Jutronauci": https://wyborcza.pl/jutronauci

In dieser Episode des Kassenzone.de Podcasts diskutiere ich mit Friedrich Schwandt, dem Gründer von Statista und CEO von ECDB, über seine Erfahrungen und die Bedeutung von qualitativen Daten im E-Commerce. Wir beleuchten, wie ECDB eine umfassende E-Commerce-Datenbank aufbaut, die über traditionelle Marktanalysen hinausgeht. Friedrich erklärt die Quellen, aus denen ECDB seine Daten bezieht, darunter Transaktionsdaten von Zahlungsdienstleistern und alternative Datenquellen, und hebt hervor, warum diese Informationen weitaus wertvoller sind als die üblichen Statistiken. Im Gespräch kommt zur Sprache, wie die Herausforderungen der Datenverfügbarkeit in der heutigen schnelllebigen E-Commerce-Welt angegangen werden können. Wir diskutieren die spezifischen Fertigkeiten und das Fachwissen, das notwendig ist, um aus den enormen Datenmengen präzise und verwertbare Informationen zu extrahieren. Friedrich teilt seine Einsichten darüber, wie sich das Suchverhalten der Konsumenten geändert hat und welche Auswirkungen das auf Plattformen wie Statista und ECDB hat. Besondere Beachtung findet dabei die Frage, wie man durch intelligente SEO-Strategien und innovative Technologien wie Künstliche Intelligenz (KI) die Sichtbarkeit und den Zugang zu wertvollen Daten verbessern kann. Darüber hinaus sprechen wir über Friedrichs Erfahrungen mit der Gründung und dem Wachstum von Statista sowie den Herausforderungen und Chancen, die mit der neuen Unternehmung ECDB einhergehen. Er betont die kreative Freiheit, die mit der Gründung eines neuen Unternehmens einhergeht, und erklärt, weshalb er sich entschied, nach dem Verkauf von Statista eine neue Herausforderung im Data-Bereich zu suchen. Wir beleuchten auch die Unterschiede zwischen traditionellen Marktanalysen und Friedrichs Ansatz, der eine datengestützte und dynamische Sicht auf den E-Commerce-Markt einnimmt. Das Gespräch bietet auch Einblicke in die internationalen Unterschiede im E-Commerce und hebt die stark wachsenden Märkte in Asien und Lateinamerika hervor. Als Beispiel nennt Friedrich den Online-Apothekenmarkt in Brasilien, der innovative Lieferlösungen für Kunden bietet, und zeigt auf, wie solche Trends in Deutschland realisiert werden könnten. Wir diskutieren zudem die abnehmende Wachstumsrate des E-Commerce in Deutschland und den Bedarf an neuen, effizienteren Geschäftsmodellen. Zur Shoptalks Barcelona: https://shoptalkeurope.com/community/tickets Interesse an einer Store Tour mit Alex? alex@kassenzone.de Partner in der Folge: https://linktr.ee/kassenzone Community: https://kassenzone.de/discord Feedback zum Podcast? Mail an alex@kassenzone.de Disclaimer: https://www.kassenzone.de/disclaimer/ Kassenzone” wird vermarktet von Podstars by OMR. Du möchtest in “Kassenzone” werben? Dann https://podstars.de/kontakt/?utm_source=podcast&utm_campaign=shownotes_kassenzone Alexander Graf: https://www.linkedin.com/in/alexandergraf/ https://twitter.com/supergraf Youtube: https://www.youtube.com/c/KassenzoneDe/ Blog: https://www.kassenzone.de/ E-Commerce Buch 2019: https://amzn.eu/d/5Adc1ZH Plattformbuch 2024: https://amzn.eu/d/1tAk82E

We are very lucky today to hear from Guest Speaker; Dave Adamson (@aussiedave), as he shares that reading the Bible is complicated. 11% of Adult Christians read the Bible daily (Statista) and 47% of Christian teens have never read the Bible (ACC). So what can we do to fix this? It starts with our daily decisions that will determine our spiritual direction. Dave shares a beautiful encouragement that it can be easy to do, and that "one verse today beats good intentions tomorrow."   "We are drowning in content but starving for wisdom"   WEBSITE :: https://www.goodlife.org.au/ and https://www.goodlife.org.au/church-notices   SPOTIFY https://open.spotify.com/show/5tgYs0DLkpe3yxj15nTRUh?si=KWSJIsI-Q7auMNx4WLn6xg   Goodlife Collective:: https://open.spotify.com/track/6AIpkihS5W6fyQb81U53ql?si=eae8759fd4d947f6&nd=1&dlsi=45435542515e4942     CONNECT via socials FACEBOOK :: https://www.facebook.com/goodlifecommunitychurch INSTAGRAM:: https://www.instagram.com/goodlifecommunitychurch/ YOUTH:: https://www.instagram.com/goodlife_youth/ COLLECTIVE:: https://www.instagram.com/goodlifecollective_/        

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According to Statista and the Forbes Business Council, new technologies are transforming how fans experience live sports, both inside and outside the stadium. A global survey conducted in April 2023 revealed that nearly 80 percent of respondents reported an increase in their spending on technology-enabled merchandise, such as virtual reality headsets and wearable tech devices. Technology has become an integral part of our lives, and the sports industry is no exception. Recent advancements, including video analysis, wearable technology, and virtual reality training programs, have significantly enhanced the sporting world.   These innovations have not only changed how athletes prepare for competition but have also had a profound impact on businesses, creating both new opportunities and challenges across various sectors.   Charles Sims' journey is filled with rich stories and insights from behind the scenes of major acquisitions and transformative ventures in the ever-evolving tech industry. On his podcast, “The Next Pivot with Charles Sims,” he invites listeners into the offices, hallways, and boardrooms of the tech world. The show provides deep industry knowledge through compelling narratives that educate and inspire. Additionally, he co-hosts “Capital Grit,” which helps listeners understand the current investment landscape and reveals the intricacies of fundraising, investing, and venture capital.   For eight years, I served as the CTO for the LA Clippers under Steve Ballmer, where I played a pivotal role in transforming the team's technology infrastructure and driving innovation in sports tech. After that, I spent three years as the CTO for United Talent Agency, the third-largest media and entertainment agency in the world, where I led major technological advancements and strategic initiatives. My expertise lies at the intersection of technology and business. I have a unique ability to demystify complex technical concepts and highlight their real-world value, regardless of the audience's background. Whether it's developing strategic technology roadmaps, leading innovative projects, or mentoring teams, my focus is always on driving success through empathy and innovation.   Known as the 'Hurricane CTO,' Charles Sims is a seasoned tech evangelist, investor, and keynote speaker with over 15 years of experience at the intersection of technology, sports, and entertainment. He has been involved in more than $1.5 billion in mergers and acquisitions, leading transformative initiatives that combine innovation with human-centric design.   For more information: https://www.hurricanecto.com/  LinkedIn: @CharlesSims

What happens when eager computer enthusiasts unknowingly download a trojanized hacking tool and find themselves on the wrong side of cybersecurity? A former employee's actions led to chaos and raise urgent questions about the security of cultural treasures. And join us as we explore the alarming trend of social media influencers staging fake kidnappings.All this and much much more is discussed in the latest edition of the "Smashing Security" podcast by cybersecurity veterans Graham Cluley and Carole Theriault, joined this week by Lianne Potter from the "Compromising Positions" podcast.Warning: This podcast may contain nuts, adult themes, and rude language.Episode links:No Honour Among Thieves: Uncovering a Trojanized XWorm RAT Builder Propagated by Threat Actors and Disrupting Its Operations - CloudSEK.British Museum forced to partly close after alleged IT attack by former employee - The Guardian.Chart: What Do You Want to be When You Grow Up?- Statista.Tikked off: What happens when TikTok fame fades - Vox.Influencer burnout is real - Vox.Influencer slammed for staging fake kidnapping plot because she was ‘bored' - Mirror Online."Mom influencer" Katie Sorensen sentenced to jail for falsely claiming couple tried to kidnap her kids at a crafts store - CBS News.Stock market influencer on the way to Coldplay concert kidnapped by data theft gang - The New Indian Express.Raycast.“Thank Goodness You're Here” video game.The We Society Podcast - Academy of Social Sciences. Smashing Security merchandise (t-shirts, mugs, stickers and stuff)Sponsored by:Tailscale – Tailscale is perfect for work or personal projects, making networking simple. Its free plan covers up to 100 devices and 3 users. Get started at tailscale.com and be up and running in less than 10 minutes!1Password – Secure every app, device, and identity – even the...

"Rendirse no es una opción". A pesar del endurecimiento de la frontera tras la llegada de Donald Trump a la presidencia de Estados Unidos, migrantes extranjeros siguen teniendo la mira puesta en la frontera norte. La industria aeroespacial se ha convertido en una actividad estratégica entre los gobiernos por su potencial económico valuado en 346 mil 580 millones de dólares, según Statista, y por la exploración espacial. México no quiere quedar fuera de esta carrera. Capítulos 00:00 - Introducción 00:34 - Migrantes, insisten en llegar a EU 01:54 - CDMX retirará migrantes de las calles 03:01 - México entrará a la batalla aeroespacial Learn more about your ad choices. Visit megaphone.fm/adchoices

The video game Path of Exile 2 suffers a security breach, we explore the issues of using predictive algorithms in travel surveillance systems, and the very worst IoT devices are put on show in Las Vegas. Oh, and has Elon Musk accidentally revealed he cheats at video games?All this and much much more is discussed in the latest edition of the "Smashing Security" podcast by cybersecurity veterans Graham Cluley and Carole Theriault, joined this week by The Cyberwire's Dave Bittner.Warning: This podcast may contain nuts, adult themes, and rude language.Episode links:Player of Games - Grimes.‘Path of Exile 2' Players Call Bulls**t on Elon Musk's Video Game Stream - Gizmodo.Elon Musk "Playing" Path of Exile 2 - YouTube.Elon Musk is Lying About Being Good at Video Games - YouTube.Elon Musk Streams His ”Totally Not Boosted” ‘Path of Exile 2' Character, Proves He Has No Idea What He's Doing - Vice.Hacker Broke into ‘Path of Exile 2' Admin Account, Hijacked Wave of Characters - 404 Media.Inside the Black Box of Predictive Travel Surveillance - WIRED.Average Number of Smart Devices in a Home 2025 - Consumer Affairs.Global IoT and non-IoT connections 2010-2025 - Statista.U.S. Cyber Trust Mark: New Label for IoT Devices - National Law Review. How the Internet of Things will be good for the planet - Thales Group.The ‘Worst in Show' CES products put your data at risk and cause waste, privacy advocates say - AP News.The CES worst in show awards lampoon AI everthing - The Register.The Worst Devices of CES 2025!! - YouTube. This Could Be Your AI Robot Girlfriend - For $175,000 - Forbes.

The concept of investing is often associated only with money and the pursuit of wealth, but this Annuities are a popular thing these days… why is that the case? And are they a valid option for those planning their retirement? In this new episode of the Common Sense Financial Podcast, host Brian Skrobonja explores the world of annuities – from what they are and the three types of annuities all the way to four common myths, Brian's “unpopular opinion” and why annuities and investments aren't in competition. Plus, Brian reveals what he considers the best way to accumulate wealth. You need to keep in mind that there are plenty of unknown factors in your life, such as how long you're going to live, inflation, how the market is performing, healthcare costs, and economic shifts. Brian believes that the uncertainty surrounding retirement is why annuities are so popular. Annuities are a way to transfer risk over to an insurance company and provide some sense of safety for the future, says Brian. According to Statista, the risk of running out of money is a real concern for many retirees, with an estimated $2.53 trillion of retirement assets held inside of annuities. Brian breaks down the three types of annuities – variable, fixed-indexed, and fixed-rate – and shares a common misconception about income benefits. In his own words, Brian has an “unpopular” stance: he's a believer in the fact that whether or not someone should use an annuity depends on their situation. Brian touches upon when it makes sense for you to use an annuity and when it doesn't. “Capital appreciation over time” is what Brian considers the best way to accumulate wealth. Brian explains that annuities and investments aren't in competition, because they both have a place at different times in someone's life, depending on their needs. Brian goes over four common annuity-related myths.     Mentioned in this episode: BrianSkrobonja.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify Statista.com Brian's article: My 5-Minute Retirement Plan Brian's article: The Financial Fiduciary Standard Explained Brian's article: What to Do With Cash in a Low Interest Rate Environment   Annuity guarantees rely on financial strength and claims-paying ability of issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by carrier. Annuities are not FDIC insured. Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA & SIPC. Advisory services offered only by duly registered  individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be  rendered by Skrobonja Wealth Management, LLC unless a client service agreement is in  place. Skrobonja Financial Group, LLC provides links for your convenience to websites produced by other providers of industry related material. Accessing websites through links directs you  away from our website. Users who gain access to third party websites may be subject to the copyright and other restrictions on use imposed by those providers and assume responsibility and risk from use of those websites. Any references to protection, safety or  lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the  issuing carrier. This is intended for informational purposes only. It is not intended to be used as the sole  basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Our firm is not permitted to offer, and no  statement made on this site shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and  opinions contained here in provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. Any media logos and/or trademarks contained herein are the property of their respective owners and no endorsement by those owners of Brian Skrobonja is stated or implied. The awards, accolades and appearances are not representative of any one client's experience and is not indicative of future performance. Each of these awards have set criteria for their nominations and eligibility requirements. “Best Wealth Managers” and “Future 50 Company” are annual surveys conducted by Small Business Monthly. The winner is chosen by an online vote of the general public and no specific criteria is utilized to determine the winner other than number of votes. Some voters may not be clients of Brian Skrobonja and Skrobonja Financial Group. These awards are not representative of any one client's experience and is not indicative of future performance.

The U.S. hotel industry saw occupancy rates reach 67% in October 2024 (Statista, 2024). In such a high-demand period, success isn't just about elegant rooms or luxurious amenities—it's about how every guest feels during their stay. In this episode of The Modern Customer podcast, Bashar Wali, Founder & CEO of This Assembly and Practice Hospitality, shares his expertise on crafting exceptional guest experiences through emotional intelligence, authentic connections, and a culture of care. Drawing from decades of experience, Bashar dives into the power of hiring the right people, turning routine interactions into meaningful moments, and addressing guest feedback with transparency and empathy. Whether it's building team loyalty or creating memorable experiences, this conversation offers actionable insights every hospitality professional can apply right away. Tune in now to discover how emotional intelligence and a people-first approach are redefining hospitality success.   Key Highlights for Easy Listening: 05:31 The Power of Emotional Intelligence in Building Hospitality Teams  07:53 Understanding Emotional Connections: Love Languages in Guest Experiences  12:29 Memorable vs Transactional Experiences: What Truly Matters to Guests  15:07 Service Recovery: Addressing Bad Reviews with Transparency  18:53 Creating a Culture of Care: Retaining Top Talent in Hospitality  21:27 Key Takeaways and Final Thoughts on Elevating Guest Experiences   Learn more about Bashar Wali and his work at hotelier.life.   Blake Morgan is a customer experience futurist, keynote speaker, and author of three books on customer experience. Her new book is called The 8 Laws of Customer-Focused Leadership: The New Rules for Building A Business Around Today's Customer. Follow Blake Morgan on LinkedIn For regular updates on customer experience, sign up for her weekly newsletter here. 

We'd love to hear from you about this episode.Happy Holidays!!!The new year brings new chances to set and achieve goals, explore and prioritize aspects of our lives, and declare resolutions for lifestyle changes. The most common goals each year focus on health and well-being, with many falling under the umbrella of "getting in shape" or "losing weight."According to a Statista poll, the most popular New Year's resolutions in the US for 2025 are to save more money (21%), exercise more (17%) and eat healthier (19%).Regardless of the specifics of our goals, as the ball drops on New Year's Eve, millions deliberately focus on creating lasting lifestyle change. But how do we start fresh and become a better, healthier, and happier version of ourselves? Welcome to Episode Fifty-Three of the Nature of Wellness ™️  Podcast!!! In this New Year's episode, we sat down with coach, trainer, and competitive fitness athlete Chelsea Kidd. Chelsea is also the founder of Sitewell Solutions, where she connects high-risk industries like construction, tactical forces, and healthcare professionals to the support they need to thrive, enhance their well-being, prevent injuries, and unlock their full potential.Join us as we speak to Chelsea about the need for comprehensive worksite wellness programs, creating lasting lifestyle change, and creating a corporate culture that elevates employees and their families.She discusses her relationship with the natural world, her motivation for starting an online community for fitness athletes and professionals,  and how we can seamlessly build nature into our healthy New Year's resolutions. We left this conversation with a new list of goals for the new year.Please subscribe, rate, and leave a review anywhere you listen to this podcast. We appreciate you all.HAPPY NEW YEAR FROM OUR FAMILY TO YOURS!!!Be Well-NOW ™️SiteWell Solutions - Fitness, nutrition, human performance services for high-risk industries.www.sitewellsolutions.comhttps://www.linkedin.com/company/sitewell-solutions-llcBikini, Wellness & Figure Competition Prep - Women's fitness community for physique and lifestyle athletes.  The community: https://www.facebook.com/groups/BikiniWellnessFigureCompetitionPrepFitness programs: https://coach.everfit.io/package/IK460124Connect with ChelseaLinkedIn: https://www.linkedin.com/in/chelsea-e-kidd/Instagram: @chelsea__kidd* The unbelievable Shawn Bell produces the Nature of Wellness Podcast, making us sound good.** The NOW theme song was penned, performed, produced, and provided by the dynamic duo of Phil and Niall Monahan. *** This show wouldn't exist without our amazing guests and all of you who listen. Please like, subscribe, follow, and review to help us get these important messages out to more folks who can benefit from them. Thank you all.Old Guy Insights - What You Need to Know Today | Kindness, and Meaning in a Lonely WorldReal talk, life lessons, and honest advice to enrich your life and guide you to success.Listen on: Apple Podcasts Spotify

Świąteczny odcinek podcastu "Jutronauci". Dzielą nas nie tylko poglądy polityczne. Okazją do kłótni potrafi się stać jedzenie, muzyka, czyjś sukces albo wygląd zewnętrzny. Tymczasem sprzeczamy się przy tych samych stołach, w otoczeniu nierzadko identycznych przedmiotów tworzących typowy polski dom. Weźmy taki drobiazg jak magnesy wiszące na lodówkach. Znajdziemy je aż w 70 proc. polskich gospodarstw domowych - wynika z badania firmy Minds & Roses. Skąd się biorą i jaką funkcję pełnią? Autorka badania, Maria Filcek, rozmawia z Vadimem Makarenko z firmy Statista o znaczeniu wystroju polskich domów. O tym, jaki stosunek mamy do kolorowych mebli, gdzie trzymamy kosz na śmieci, co zastąpiło meblościankę i dlaczego już nie wstydzimy się ścierki kuchennej przerzuconej przez uchwyt drzwiczek piekarnika. Więcej tekstów i rozmów o przyszłości znajdziesz w najnowszej edycji programu "Jutronauci": https://wyborcza.pl/jutronauci

The ChatGPT AI chatbot has grabbed a lot of attention since it was released in December 2022. GPT stands for generative Pre-trained transformer, and the chatbot is based on one of the most advanced AI language models currently available. Those who've tested it have been impressed at how it generates complex, human-like responses to many different kinds of questions. It's also been used to write essays and scripts for a TV sitcom. It's led to speculation that AI will soon revolutionise industries, and could even replace Google, which has an 84% search engine market share according to Statista. Why would people stop using Google to browse the internet? Are there any drawbacks? Is ChatGPT meant to be used as a search engine? In under 3 minutes, we answer your questions! To listen to more episodes, click here: How to interact with ChatGPT? How can I work better from home? Can this budgeting method help us save better? A Bababam Originals podcast. Written and produced by Joseph Chance. First broadcast: 25/01/2023. Learn more about your ad choices. Visit megaphone.fm/adchoices

  Expand your sales success with these strategies for selling in the ACA market!   Read the text version   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: ACA 101: Selling Under-65 Health Insurance: https://link.chtbl.com/ASG6248/ Agent Registration: https://app.ritterim.com/public/registration/ Building Client Loyalty: More than Just a Plan: https://agentsurvivalguide.podbean.com/e/building-client-loyalty-more-than-just-a-plan/ FAQs About Selling On-Exchange & Off-Exchange Under-65 Plans: https://ritterim.com/blog/faqs-about-selling-on-exchange-off-exchange-under-65-plans/ Five Ways to Generate ACA Leads: https://link.chtbl.com/ASG6287/ Keys to Client Retention: Digital Communication: https://agentsurvivalguide.podbean.com/e/keys-to-client-retention-digital-communication-2024/ How Insurance Agents Can Learn About Their Social Media Audience: https://ritterim.com/blog/how-insurance-agents-can-learn-about-their-social-media-audience/ Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/ The Complete Guide to Selling Affordable Care Insurance Plans: https://ritterim.com/aca-ebook/ The Complete Guide to Client Loyalty and Retention: https://ritterim.com/client-retention-guide/   References: “All Topics.” HealthCare.Gov, www.healthcare.gov/topics/. Accessed 7 Nov. 2024. “Decision Fatigue: What It Is and How to Avoid It.” Washington State University Carson College of Business, https://onlinemba.wsu.edu/blog/decision-fatigue. Accessed 7 Nov. 2024. “Fast, Easy ACA Enrollment.” HealthSherpa, www.healthsherpa.com/agents/features/. Accessed 7 Nov. 2024. “Internet, Broadband Fact Sheet.” Pew Research Center, Pew Research Center, 31 Jan. 2024, www.pewresearch.org/internet/fact-sheet/internet-broadband/?tabItem=9a15d0d3-3bff-4e9e-a329-6e328bc7bcce. “In-Person Assistance in the Health Insurance Marketplaces.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/marketplace/in-person-assisters/programs-procedures/in-person-assistance. Accessed 7 Nov. 2024. “One Platform to Connect.” Zoom, www.zoom.com/. Accessed 7 Nov. 2024. Petrosyan, Ani, and Feb 29. “Internet Usage by Age in U.S. 2023.” Statista, 29 Feb. 2024, www.statista.com/statistics/266587/percentage-of-internet-users-by-age-groups-in-the-us/. “Log into Facebook.” Facebook, www.facebook.com/. Accessed 7 Nov. 2024. “Log in or Sign Up.” LinkedIn, www.linkedin.com/. Accessed 7 Nov. 2024. “Video Conferencing, Meetings, Calling: Microsoft Teams.” Video Conferencing, Meetings, Calling | Microsoft Teams, Microsoft, www.microsoft.com/en-us/microsoft-teams/group-chat-software. Accessed 7 Nov. 2024. “X.Com.” X (Formerly Twitter), www.x.com/?lang=en. Accessed 7 Nov. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  We asked our HQ staff what their top apps are, listen to this episode to learn their answers! Did your favorite app make the list?   Facebook: https://www.facebook.com/ Google Calendar: https://workspace.google.com/intl/en-US/products/calendar/ EveryDollar: https://www.ramseysolutions.com/ramseyplus/everydollar?snid=free-tools.budgeting.everydollar-budget-app Giant Food Stores App Store: https://apps.apple.com/us/app/giant-food-stores/id491014869 Giant Food Stores Google Play: https://play.google.com/store/apps/details?id=com.giantfoods.mobile.droid&hl=en Meta Business Suite: https://www.facebook.com/business/tools/meta-business-suite Canva: https://www.canva.com/ Adobe Express: https://www.adobe.com/express/   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 4 Ways PlanEnroll Will Make This the Best AEP Yet: https://link.chtbl.com/ASG617R5 Best Free Writing & Grammar Apps: https://link.chtbl.com/ASGA58 Best Video Editing Apps for Social Media: https://link.chtbl.com/ASGA69 How to Create a Google Business Profile: https://link.chtbl.com/ASG614 Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You: https://link.chtbl.com/ASG622 Modern Medicare Marketing for Today's Agents FREE eBook Download: https://ritterim.com/modern-marketing-guide/ Social Media Marketing for Insurance Agents FREE eBook Download: https://ritterim.com/social-media-ebook/   References: “Everydollar: Make a Budget and Track Expenses.” Ramsey Solutions, www.ramseysolutions.com/ramseyplus/everydollar?snid=free-tools.budgeting.everydollar-budget-app. Dixon, Stacy Jo. “Facebook Monthly Active Users Worldwide 2023.” Statista.Com, Statista, 21 May 2024, www.statista.com/statistics/264810/number-of-monthly-active-facebook-users-worldwide/. “Free Design Tool: Presentations, Video, Social Media | CANVA.” Canva, www.canva.com/. Accessed 30 Oct. 2024. “Free Design, Photo, and Video Tool - Design Made Easy | Adobe Express.” Adobe, www.adobe.com/express/. Accessed 30 Oct. 2024. “Giant - Apps on Google Play.” Google Play, Google, https://www.play.google.com/store/apps/details?id=com.giantfoods.mobile.droid&hl=en. Accessed 30 Oct. 2024. “Giant Choice Rewards.” Giant, https://www.giantfoodstores.com/rewards/. Accessed 30 Oct. 2024. LLC, Giant Food Stores. “Giant Food Stores.” App Store, 4 Jan. 2012, https://www.apps.apple.com/us/app/giant-food-stores/id491014869. “Log into Facebook.” Facebook, www.facebook.com/. Accessed 30 Oct. 2024. “The 20 Most Popular Social Media Platforms in 2024.” Backlinko, 26 July 2024, www.backlinko.com/social-media-platforms. “Meta Business Suite.” Facebook, www.facebook.com/business/tools/meta-business-suite. Accessed 30 Oct. 2024. Dixon, Stacy Jo. “Meta Global Community Monthly Active Users 2023.” Statista.Com, Statista, 26 Apr. 2024, www.statista.com/statistics/947869/facebook-product-mau/. “Pricing: Compare Free & Premium Plans | Adobe Express.” Adobe, www.adobe.com/express/pricing. Accessed 30 Oct. 2024. “Shareable Online Calendar and Scheduling.” Google Calendar, Google, www.workspace.google.com/intl/en-US/products/calendar/. Accessed 30 Oct. 2024. Accessed 30 Oct. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

Business potential refers to the likelihood that a company will successfully achieve its goals. This assessment takes into account various factors, including the size of the market, the company's competitive advantages, the experience of the management team, and the overall financial stability of the business.   According to Statista, narrowing the productivity gap, which currently amounts to 5.4 percent of the US GDP, is particularly crucial in today's shifting global production landscape.   David C. Olcott, the president of Samurai Success, Inc., is an experienced executive coach, NLP Master, martial artist, and best-selling author. He is widely recognized for his work in helping individuals and businesses achieve success and fulfill their potential. With 35 years of coaching experience, David has developed the trademark Samurai Success coaching system, a proven roadmap for success. He has coached clients across the globe, assisting them in navigating their journeys while integrating both Newtonian and metaphysical principles. This approach helps clients remember their true selves, enabling them to become more purposeful and their businesses to become more profitable.   David is committed to serving others, guiding them in creating successful lives, fulfilling their destinies, and leaving a lasting legacy. He is also the author of the Amazon best-selling book “Swords of Illumination,” which focuses on reclaiming a sense of destiny. The book addresses the disconnect between one's perceived identity and their actual experience in the world, emphasizing how to regain control of one's destiny and live the life one was meant to lead.   For more information, visit: https://samuraisuccess.com/  Instagram: @samurai_success  LinkedIn: @Samurai

How many bottles of wine are regifted? What's wrong with giving cash? And should Angela give her husband a subscription to the Sausage of the Month Club? SOURCES:Joel Waldfogel, professor of strategic management & entrepreneurship at the University of Minnesota. RESOURCES:“How to Become a Truly Excellent Gift Giver,” by Eliza Brooke (Vox, 2022).“How to Calculate a Holiday Tip for the Doorman,” by Ronda Kaysen (The New York Times, 2022).“Least Favorite Gifts to Receive for Christmas in the United States in 2022, by Generation,” (Statista, 2022).“(Not) Giving the Same Old Song and Dance: Givers' Misguided Concerns About Thoughtfulness and Boringness Keep Them From Repeating Gifts,” by Julian Givi (Journal of Business Research, 2020).“Does Anyone Really Buy the Giant Car Bows You See in Every Commercial?” by Aditi Shrikant (Vox, 2018).“It's the Motive That Counts: Perceived Sacrifice Motives and Gratitude in Romantic Relationships,” by Mariko L. Visserman, Francesca Righetti, Emily A. Impett, Dacher Keltner, and Paul A. M. Van Lange (Emotion, 2018).“Why Certain Gifts Are Great to Give but Not to Get: A Framework for Understanding Errors in Gift Giving,” by Jeff Galak, Julian Givi, and Elanor F. Williams (Current Directions in Psychological Science, 2016).“The Girl Who Gets Gifts From Birds,” by Katy Sewall (B.B.C. News, 2015).“The Disappointing Gift: Dispositional and Situational Moderators of Emotional Expressions,” by Renée M. Tobin and William G. Graziano (Journal of Experimental Child Psychology, 2011).Scroogenomics: Why You Shouldn't Buy Presents for the Holidays, by Joel Waldfogel (2009).“The Deadweight Loss of Christmas,” by Joel Waldfogel (The American Economic Review, 1993).United States Postal Service Employee Tipping and Gift-Receiving Policy. EXTRAS:“Have a Very Homo Economicus Christmas,” by Freakonomics Radio (2012).

The shift to a low-carbon economy will demand more capital than any of us have seen in our lifetimes—far more than private actors alone can provide. Public markets—the securities that make up the bulk of most investor portfolios available on stock exchanges—are set to play a much larger role in this transition. So, while private markets may have a head start, public markets are catching up quickly.In this special episode, Mark Wiedman, Head of BlackRock's Global Client Business, will lead a conversation with BlackRock investors Evy Hambro, Olivia Markham, and Will Su about the transition opportunities they're seeing in public markets—and what it will take to fully unlock their potential.Sources: BHP Insights “How Copper Will Shape Our Future” Sep 30 2024; Bloomberg New Energy Finance Outlook 2024; Our World In Data “Energy Mix: Explore global data on where our energy comes from, and how this is changing”, January 2024; ExxonMobil Global Outlook, 2024; “Energy Explained” Energy Administration EIA, 2022; “Strategic Perspectives on U.S. Electric Demand Growth”, Center for Strategic and International Studies, May 2024; “Decoding Data Centers: Opportunities, risks and investment strategies”, Boston Consulting Group, July 2024; “U.S. Energy-Related Carbon Dioxide Emissions, 2023” EIA 2024; “Monthly price of uranium worldwide from January 2020 to June 2024”, Statista; Global Price of Uranium 1990-2024, FRED Economic Data; Bloomberg Data 2024This content is for informational purposes only and is not an offer or a solicitation. Reliance upon information in this material is at the sole discretion of the listener. Reference to the names of each company mentioned in this communication is merely for explaining the investment strategy, and should not be construed as investment advice or investment recommendation of those companies. In the UK and Non-European Economic Area countries, this is authorised and regulated by the Financial Conduct Authority. In the European Economic Area, this is authorised and regulated by the Netherlands Authority for the Financial Markets. For full disclosures go to Blackrock.com/corporate/compliance/bid-disclosuresSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.