Podcasts about surveyed

Send us a textTake the first half hour of Morning Live to go!

A recent survey of D.C.-area restaurants show there is a pretty pessimistic mood among owners.

Ag Secretary Brooke Rollins surveyed damage from natural disasters and met with Forest Service members in North Carolina, and back-and-forth tariffs have prompted additional concerns about prices.

Ever wonder what other people talk about with their financial advisors? Well, we're going to discuss that this week here on the podcast, from a new survey of nearly 400 experienced advisors and what they see in their offices, and we're going to share that with Tony and see how that relates to and what he thinks about it, compared to his practice.   Important Links: Website: http://www.yourplanningpros.com Call: 844-707-7381   ----more---- Transcript:    Speaker 1: Ever wonder what other people talk about with their financial advisors? Well, we're going to discuss that this week here on the podcast, from a new survey of nearly 400 experienced advisors and what they see in their offices, and we're going to share that with Tony and see how that relates to and what he thinks about it, compared to his practice. Let's get into it here on Plan With The Tax Man. Hey, everybody, welcome into the podcast. Thanks for hanging out with Tony Mauro and myself, as we talk investing, finance, and retirement, and we're going to break down this new survey. Well, it's not new. It actually came out December of '24, Tony, but we're going to run through this from Financial Advisor Magazine. So they did this interesting survey, so I'm going to get your thoughts on this, and we'll break down some data and see what you think. How you doing, bud?   Tony Mauro: I've been doing good.   Speaker 1: Yeah?   Tony Mauro: Spring is here   Speaker 1: Yeah, baby,   Tony Mauro: As we're recording this, it's staying light a little longer. It's kind of nice.   Speaker 1: Yeah. I know, right? So, everybody's just constantly with the time change thing, "Keep it. Don't keep it. Keep it. Don't keep it." All I know is seven o'clock, it's still light outside, and I'm happy.   Tony Mauro: That's right. I like it. Yeah.   Speaker 1: And you and I were just chatting at the time we're taping this podcast. In my neck of the woods, it is quite warm today, so I am totally digging it, so hope everybody has a good day and a good week. And don't forget to subscribe to us on whatever podcasting app you like using, by the way. Apple or Spotify or whatever, you can just simply type in Plan With the Tax Man in the app, or of course you can find the information at yourplanningpros.com. All right, Tony. Are you familiar with Financial Advisor Magazine?   Tony Mauro: I read it regularly, so yeah, I'm familiar.   Speaker 1: Okay. Well, they've got this new survey in there, like I was saying earlier in the tease there. 400 experienced advisors revealed biggest concerns, challenges, things of that nature from their clients, and everybody had an average of 20 plus years in business, so these are folks that have been around for a little while, so they've seen some ups and downs, so I'm going to give you some data here. Let's just talk through it a little bit. So seeking out a financial professional. Advisors in the survey said about 52% of their clients are looking for financial advice when it comes to retirement strategies. The other 34%, I know that's not totally 100, but 34% said they were just looking for someone to build wealth with. So, does those numbers strike you as interesting at all?   Tony Mauro: For us, I'd say our numbers are a little more skewed towards most of our clients are coming to us for retirement planning. Whether they're in the accumulation stage, that would be the accumulation stage, but I mean, the distribution stage, obviously, they're already there, but most of our clients, I mean, 34% sounds high for just-   Speaker 1: For just for wealth, yeah.   Tony Mauro: ... Building wealth. We're just asking them, "Well, okay. If you want to build wealth, and the next question is for what?" Then, of course they always say retirement, so maybe I'm just beating that a little wrong.   Speaker 1: Right, right. Well, now, to be fair, this is a wide range of ages, so it's not just retirees only that answered these questions, so it could be some younger folks too, right? So, that would make sense if you're in your thirties or forties, and you're just looking for wealth building, but I think if you find yourself in a position where, even if you're in your forties or even in your early fifties, if you're not starting to feel the need to discuss other things than just the wealth building, are you maybe working with the right person, right?   Tony Mauro: That's correct, because as you get, especially in the forties and, of course, in the fifties, there's other questions about the end game, which is retirement, but there's many, many other things that we tend to ask them and they started thinking about some of these stuff, anything from taking social security, to healthcare costs, to long-term care costs, where they want to be and how do they feel about it? There is ways to protect yourself and do things, and then as long as we give them that information and we feel like we help them understand for some of these upcoming big decisions they've got to make.   Speaker 1: Yeah, like RMDs, right? I mean, they'll be coming down the pike. What are you going to do with them? What does it do to your taxable situation? All those little things that we talk about often here on the program, so interesting that, again, 52%, about half the people surveyed, were looking for someone with help for retirement planning, which is good. I think maybe those numbers should be a little bit higher, but again, depends on the age of the person answering. Now, we often hear about people are woefully under-prepared for their future life, their elderly selves, but in the survey, over half of the advisors said the average client they see has around $760,000 saved for retirement, so three quarters of a million bucks, that's not chump change, so that's kind of encouraging to hear that there's over half the people that come in to see financial pros like yourself, Tony, are in pretty good shape.   Tony Mauro: Yeah, they are. I mean, for us, I would say our assets average is probably around that, but I would say it's a little bit skewed on the top end, because some of our clients end up having a lot more than that. Normally though, if you take the bulk of our clients, have assets well below that. Mostly what we're seeing, again, we're here in Iowa, but anywhere from $100,000 to $400,000, $500,000 is what they have saved at the time we end up talking about it, but we are generating a lot of interest from young people that really don't have much, and they're just starting out in that wealth building stage, and we don't turn them away. We don't have minimums that we require for assets. We just try to set the expectations of, your planning is going to be a little different than somebody that might come, that has more, one, because of the complexity, and two, because of just that you don't need that much hands-on advice.   Speaker 1: And every demographic. I mean, there's different cities, different demographics, but I think just in general it's good to see that on average, again, people are a little bit better, in pretty good shape, and I think that's what winds up happening often, Tony, when people do come in to see financial pros like yourself, most of them come in, going, "I don't know if I have enough," or "I don't know if I can retire." Then, when the numbers are ran, more times than not, and I talk to advisors all across the country, hundreds of them, and they all say the same thing. More times than not, people are in better shape than they realize.   Tony Mauro: I think so. Depending on their situation, we find that too, when we start running the numbers is, depending on what your goals are, as long as they're not outlandish-   Speaker 1: Right, right.   Tony Mauro: ... You're better off than you think, especially when you put the numbers to it and explain it to them, because generally, nobody does. If they want to do more, then that's when the planning comes in.   Speaker 1: And a lot of people, I do think they feel like, "Well, I got to get to the million." We've talked about that millions of times, as it is, but depending on what your situation is, as a couple, maybe somebody's got a pension, maybe you've got a good numbers in social security, maybe a million doesn't need to happen. Maybe $700,000 does get it done or $500,000 or whatever, but on average, I think it's still pretty good encouraging to see that people's asset totals are a little bit better than I would've thought, so that's nice to see. Top concerns, check this out. Surveyed advisors say their top concern, no surprise here, Tony, 38% outliving their assets. That's always the top dog, right?   Tony Mauro: For us, yeah. Well, actually, for us, it's the second one here, the reliable income streams.   Speaker 1: Oh, really?   Tony Mauro: Yeah. Just for us. Then, it's outliving the assets, but those two are the top two by far.   Speaker 1: Well, it was 38% for outliving their assets. 31%, right? So, pretty close for the reliable income streams. I mean, they kind of go hand in hand, right?   Tony Mauro: They do, because whether you're young or in your forties or fifties, that's the most important thing, because it's the end game of, do you want to spend every cent of your retirement income? And if so, that's a crapshoot a little bit because, depending on what you do, you could outlive them, and then you could end up with not a whole lot, but most of our retirees want to make sure that their assets, they've worked so hard to accumulate, that they can get a reasonable income stream from them, and then it goes hand in hand with so they don't outlive their assets, because they want to live off the income mostly.   Speaker 1: Well, think about, we were just talking about the number, the pot of money, the $760,000 or the million or whatever you put your number at, and the big bucket pot is not as important as the income streams, right?   Tony Mauro: That's correct.   Speaker 1: So again, $500,000 might get it done if the income streams are there that you need, so if you're both got a pension, maybe both got good social security or something like that, then you probably don't need as much, again, back to that point.   Tony Mauro: Back to that point of it all working it together, which comes back to the financial plan and knowing what those numbers are. My wife just got her, here in Iowa they have IPERS, so guess it's the government funded pension, which she's been in for a long time. I went and ran my own numbers again the other day, just about, here's the number that she's going to have that's going to come in when she's X age, and then what I wanted to know was, "Well, I want the number that we both can't outlive," and then I factored that in with social security and what else we have and say, "Okay." I mean, it was just a quick math, because I do it all the time. We're still in good shape.   Speaker 1: Nice, nice.   Tony Mauro: We're going to hit our goals.   Speaker 1: Nice.   Tony Mauro: So, that's what the planning is all about, but most people don't have even that starting point, because they've never taken the time to figure it out, and I think that's where the planner can help out a lot.   Speaker 1: Yeah, I would agree. Yeah, definitely. Now, the next one on here, Tony, pretty interesting. Again, keep in mind this survey was done December of '24, but future stock market downturns was only 12.5% as a concern. Now, today, if that was done this week, that we're taping this podcast, it might be a little different; however, I do want to bring up at the time we're talking right this second, Tony, the market's been about down about 10%. You and I were just chatting about that at the time we're taping this podcast, but at the time, I just pulled it up while we're chatting, it's up right now 1% today on the news that the inflation numbers were a little bit better than expected.   They came in a little bit better, and it's funny because I was looking at the news articles. Just type in S&P 500, and you get the immediate news responses, right? And this morning it was all the sky is falling doom and gloom. Here, this afternoon, and this is just after one o'clock. We're taping this eastern time, and the inflation numbers came out, and now all the news stories are, "Outlook, much better. Market wraps. Three things that could spark a quick recovery." All the news is positive, so you got to be really careful with that stuff, right? Because they're just in it to kind of capitalize on whatever the thing at that moment happens to be.   Tony Mauro: It is. With the news, as fast as it comes out, that's exactly what it is. Really, a lot of this, of course, we try to explain to our clients, take the long-term view. This is very short-term.   Speaker 1: Yeah. 10% is a normal correction. If that's all it winds up being, right? That's not a big deal in the grand scheme, right?   Tony Mauro: It is, and I just sent out, basically, a chart that I just got out of one of the research magazines, and you've probably seen them before, but I just sent it out to all of our clients, just the old cost of timing the market, and they have a chart, January of 3 to now, "You just invested $10,000 and just left it in a S&P 500 ETF. You would have $64,000, and now if you missed the 60 best days in all those 10 years, you would actually have lost money and only have $4,205," so-   Speaker 1: It is a long-term proposition, right?   Tony Mauro: It's a long-term proposition. You miss the 10 best days, and you only have $29,000, so you can't afford to try to say, "The market's coming to an end. Let's get out. Let's go all to cash." In my opinion. We tend to try to keep clients focused on that long-term goal, because short-term Fluctuations are just part of it.   Speaker 1: Yeah. Not to get too political or get off on a tazza, but I feel like sometimes we kind of give people a little bit of both sides of the coin. I was just watching somebody talking, who typically they're slant when they're interviewing or they're asking questions is typically right leaning, but they decided to kind of jump on the market downturn and said, "Hey, listen. With a lot of the layoffs that are happening in the government, people are obviously concerned about retirement, and now the market's been falling. It's kind of hard to factor in, kind of feel confident that you could even retire."   They took it from that angle for people being laid off, and it just occurred to me, through all the years of talking with you, and it's like if people being laid off today are worried about the stock market, like this week, they probably didn't have a good strategy in place, because typically your market monies are your later monies, right? So, if you're thinking about early retirement, and this was the conversation piece, was the early retirement buyout, should that be a factor, Tony? Should the market monies be a factor if you're thinking about an early retirement buyout? Because it's still going to be later money. God willing, you're going to be retired for 20 or 30 years, right?   Tony Mauro: It is, and I think you have to keep that retirement type money in that mindset. There's a lot of people. Obviously, it's getting a lot of news in the federal government.   Speaker 1: Sure, and nobody likes it when it goes down. I get it. Right.   Tony Mauro: And nobody likes to see people in masse losing their jobs, let alone in the private sector, but the bad part is it's part of life, and we have to kind of wait and see how all this is going to shake out. It's kind of only been going on for, what? 2, 3 months here?   Speaker 1: 30, 40 days. Yeah.   Tony Mauro: Yeah, and so we just have to kind of wait and see, and hopefully, at the government level, if things get to a point, they've got the mechanisms in place to help turn it around. That's what they're all they're, supposed to be doing.   Speaker 1: Right, and I guess my stance on that was, really my question more was I think people, sometimes it's when we have downturns, we immediately focus on the negative.   Tony Mauro: Oh, yeah.   Speaker 1: And again, it's a human reaction, because nobody likes to see it go down, but if you have a plan and a strategy in place, you do realize that these are your later monies. It's a little easier not to completely freak out, right? At least hopefully, and again, 10% is a normal correction. Now, we don't know if this is the end. We don't know if it'll continue to drop or not at the time we're taping this, but it's just simply pump the brakes a little bit and realize that we were super over-weighted anyway, so some kind of correction was due anyhow.   Tony Mauro: It was, and you look at most individual company stocks, valuations were really high.   Speaker 1: They're all high, all the PEIs are high.   Tony Mauro: Oh, boy.   Speaker 1: And tech, really. Tech was really bad.   Tony Mauro: Really bad, and if you're in mutual funds, and that's their objective to go buy those, they're buying these at high valuations, and all this stuff kind of comes into play. But I agree with you. I think that this is all the more reason to have a plan, number one, and keep an eye on it, mark, watch it, and work with your advisor.   Speaker 1: Sure. Yeah. If you need to de-risk a little bit, hey, nothing wrong with that, right?   Tony Mauro: Yeah, no.   Speaker 1: But we've also been saying that for a while now. I mean, you're talking about the S&P. That's usually the average. That's the index that people cut and your industry use. The all time, 52-week high was at 6,100, and it's at 56 and some change right now. So, again, it's only about 500 points off of that. So again, not a massive downturn, but it's all about perspective and maybe peeling some risk off, which again, a lot of advisors have been saying for a while now, "Hey, the market's been up 22 plus percent the last number of years. Maybe it's time to take a little bit off the top there, just to kind of think about that."   Tony Mauro: Right.   Speaker 1: So, anyway, I won't beat that horse any longer. We'll move on. Healthcare costs was only an 8.5% as a top client concern, Tony. 8.5% on a healthcare cost; however, the advisors, themselves, feel like it should be more like 50% of their perspective client base should be thinking about healthcare costs. What do you think about that?   Tony Mauro: I think, for me, most of our clients that we work with are really concerned about healthcare costs and what it's going to be when they retire, and I think many clients, my older clients are starting and they think about it in their fifties, but I think even the young, which are not thinking about it, and they're still in the accumulation stage, should at least make that part of their plan as that boogie man, so to speak, is out there, from what we know today and make sure that you're factoring that in. But yeah, some of these costs are, as we always say, nothing goes down, but it seems like healthcare costs, and of course cost of education seem to go up way more.   Speaker 1: They always stay up. Yeah.   Tony Mauro: And so, I think it's a big concern, because you got to factor that in when you get off your company's healthcare plan or whatever you've got, and you've got to make it work. It seems like most of these people, like my dad included, who's now 83, boy, he uses the healthcare system a lot, because he's constantly at the doctor.   Speaker 1: For sure, and if you're not having the conversation, only eight and a half percent find it to be a top concern, then you could be setting yourself up for some heartache a little later on when an incident does happen, or if not to you, to your spouse, right? Because that's oftentimes what happens when we talk with advisors, is they don't get a plan together, especially for long-term care. One half of the relationship gets nailed with it, and the other half winds up suffering at the end, right? So got to have a strategy. You at least got to be talking about it. I know it's no fun.   Tony Mauro: At least talking. Yeah.   Speaker 1: Yeah. I know it's no fun, but you at least got to start putting some things together in that grouping. One more thing here, and then we'll wrap it up this week on the podcast for this, Tony, but working in retirement. According to the survey, excuse me, an average of 63% of clients surveyed that are age 55 or older, plan to work beyond age 65. They plan to work into their seventies. Interesting, right? So, 63%, more than half, want to work or are going to work past 70.   Now, the reasons are not necessarily because they were panicked about the market, because again, this was done last year, the December of last year, but I think there was two main things that stuck out. They felt like they didn't know if they had enough to totally feel comfortable retiring. 48% of those clients felt that their savings maybe weren't quite enough to live on, and the other 40% said, "Well, they were doing it for the health insurance," to our point a second ago. So this is where, again, a plan and the strategy's got to come into play, get the numbers ran, so you can even find out where you stand.   Tony Mauro: Yeah, because if you don't, then you are really just grasping at straws there, and you're just hoping that it works out.   Speaker 1: And you want to keep working, but what if your body goes new?   Tony Mauro: Yeah, your body goes new. And then, I would say, for us, probably on average, our percentage of clients, 55 to 65 that say they want to work for us, I would say it's probably around 35, 40%, but our clients that are 65 and older, our average is well above this 30% that are actually still working. Ours is probably closer to about 45%, but it's because they want to. They have a plan.   Speaker 1: Which is totally great, yeah.   Tony Mauro: And they just want to get out of the house.   Speaker 1: Sure.   Tony Mauro: So, they actually love it. They don't have to work for the money. They just want to do something and just stay involved in the world a little bit.   Speaker 1: Right, and I think that's where we want to be, right? That's where we'd like to be, having that work optional decision, but I think finding out that a lot of people are doing it for the health insurance coverage, certainly a little daunting there to think about, or they just don't know that their numbers are good enough to retire, like we started out with.   Tony Mauro: Yeah. I always wonder, when I see an older retiree working somewhere, if they're there because they want to or they have to, especially if they're at somewhere where you'd see, I don't know, maybe an extreme example in maybe the fast food industry.   Speaker 1: More physically demanding job? Yeah.   Tony Mauro: Yeah, yeah. More physically demanding. It's like maybe you just always wanted to do this, and just have no stress and just wanted to get out of the house, or are you really working because you have to?   Speaker 1: Now, that's an interesting point. Now, I've got a friend of mine who retired from a very stressful, big corporate position, managing a lot of people, so on and so forth, and he took a job at a supermarket, stocking the shelves, right? Literally, goes in, six o'clock in the morning, something like that. Works for four hours a day. They grab the baskets of stuff he needs to refill, and he goes out and stocks the shelves, and he said, "Dude, I am so happy. I don't have to manage anyone. No one's reporting to me. I know what I'm supposed to do. They trust me to just grab my stuff and do it."   I said, "But it sounds like such a," sometimes we have this stigma. It's like, "Oh. He must be working stocking shelves because he has to, because he's in his late sixties."   Tony Mauro: Right, right.   Speaker 1: And it's like, no, he's doing it because it gets him out of the house. He's like, "For me, the menial tasks helps me free my mind up," because he didn't have to think. He just does, so everybody's got their thing, right? It's like, don't judge somebody, just because you see them doing something.   Tony Mauro: Absolutely not, yeah. That's why I always want to ask them, because I don't want to judge them, but from what I hear from our clients, those types of work, which is most of the clients that I have, that's what they do is that kind of stuff. It is just menial stuff, because the one on one thing is I don't want a lot of pressure, I don't want to have to think.   Speaker 1: Right.   Tony Mauro: I just want to get out, do something, feel like I'm contributing, and talk to people.   Speaker 1: Your body gets to move. He gets to talk to people. Yeah.   Tony Mauro: And they enjoy it. The same type of retiree, he drives for the shuttle at my car dealer, and he absolutely loves it. He's like 78. He works for about five hours a day. He drives people around and talks to them, and he goes home. He loves it.   Speaker 1: No stress, no fuss, no muss, right?   Tony Mauro: Nope, nope.   Speaker 1: So yeah, so interesting stuff in today's conversation around this survey done from Financial Advisor Magazine. We'll put a link into it in the show descriptions if you'd like to check it out for yourself. That way, you can read the online survey as well, but at the end of the day, Tony, you just got to see what it is that you have and what it is that you need for your situation, because everybody's situation is different. Tony's is different than mine, and mine's different than yours, and so on and so forth, right? So, get yourself onto the calendar folks. Have a conversation with Tony at Yourplanningpros.com. That is Yourplanningpros.com. He's got more than 30 years of experience helping folks. He's a CPA, CFP, and an EA. He's got all the credentials there. So if you've got some questions, reach out to him and get started today. Don't forget to subscribe to us on Plan With the Taxman. I know we went a little long this week. Thank you for your time, folks. We always appreciate it. Tony, my friend, have yourself a great week.   Tony Mauro: All right. We'll see you next time. Thanks.   Speaker 1: Yes, sir. We'll see you next time here on the podcast. We'll catch you later here on Plan With the Tax Man with Tony Mauro.   Securities offered through Avantax Investment Services SM, member FINRA, SIPC. Investment advisory services offered through Avantax Advisory Services. Insurance services offered through an Avantax affiliated insurance agency. Investment strategies discussed in this episode may not be suitable for all investors. Please consult with a financial professional.

Robby Fowler is back to join me on the show and we've got some interesting insights to share. During a recent launch, we surveyed solopreneurs—coaches, consultants, and service-based experts—and 92% admitted to making a critical mistake that's keeping them from consistent clients and revenue. The good news? Once you fix this, everything changes. In this episode, we break down: What 92% of solopreneurs are missing—and why it's costing them clients. The biggest myth about growing your brand (and what to do instead). How one expert went from $1K to $10K months—without chasing leads. The real reason you're not getting more sales (hint: it's not marketing). A simple shift that makes lead generation feel effortless. If you're hustling but still struggling to scale, this episode will show you exactly what's missing and how to turn it around. Connect with Me on Social: Instagram LinkedIn Facebook Twitter YouTube Follow and Review: I'd love for you to follow me on Apple Podcasts if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We'd love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast. Thanks!

Send us a textLove the podcast and these videos? Buy us a beer! https://www.buymeacoffee.com/badboyrunning Join the Bad Boy Running Facebook group: https://www.facebook.com/groups/badboyrunning Visit the Bad Boy Running store for merchandise: https://store.badboyrunning.com Join the Bad Boy Running Club here: https://club.badboyr...

QI Rewind 10-2-24See omnystudio.com/listener for privacy information.

QI Rewind 10-17-24See omnystudio.com/listener for privacy information.

QI Rewind 10-22-24See omnystudio.com/listener for privacy information.

oin T, Father Fortenberry, Gary and Marty Mar the BourbonNerd as they discuss headlines from the day and the world as they see it!Let's talk Christmas Movies - What is a Christmas movie!The Feud goes on, Patio Feud 2.0Jamie fights a fireCollege Football playoff Patio StyleCheck out our Website:https://lifefromthepatio.comBuy some Merch:https://lifefromthepatio.com/merchfollow us on TikTok: / lifefromthepatio2 #bourbon #whiskey #fye #comedy #podcast #funnyvideo #buffalotrace #distillery#buffalo #LFTP#oldforester #jimbeam #heavenhill #Bluenote#Shortbarrel#rye #ark #arknights #arkansas#nba #nfl #razorbacks

Join T, Father Fortenberry, Gary and Marty Mar the Bourbon Nerd as they discuss headlines of the day! There's no telling how deep in the weeds we might go. Can you guess the top answer from a Family Feud Showdown? Let's see if the Patio boys can figure it out.The Diddy fallout continues, Jay-Z is now in the crosshairs.Do you recall those dangerous christmas gifts from your youth? Maybe a Unicycle? Lawn Darts?Christmas feast showdown? Check out our Website:https://lifefromthepatio.comBuy some Merch:https://lifefromthepatio.com/merchfollow us on TikTok: / lifefromthepatio2 #bourbon #whiskey #fye #comedy #podcast #funnyvideo #buffalotrace #distillery#buffalo #LFTP#oldforester #jimbeam #heavenhill #Bluenote#Shortbarrel#rye #ark #arknights #arkansas#nba #nfl #razorbacks

2/3 are afraid to say what they are thinking and over half feel sad or hopeless

In this two-part episode, hear from Dana Coale – deputy administrator of the Agricultural Marketing Service (AMS) Dairy Programs at the USDA – about the five areas of milk pricing included in the USDA's Federal Milk Marketing Order (FMMO) final decision, and learn about the referendum process. Later in the episode, Alex Gambonini joins host Kimmi Devaney to discuss the impact these proposed amendments may have on milk prices. Dairy producers and cooperatives will have until Dec. 31, 2024, to cast their ballots. Here is an overview of the episode: [~0:55] Coale's role at the USDA and during the FMMO hearing process[~2:30] An overview of the FMMO modernization process[~7:50] What stood out the most to Coale during the hearing[~12:15] Differences between the recommended decision and final decision[~15:05] Proposed amendments to milk composition factors[~16:30] Proposed amendments to surveyed commodity products[~16:55] Proposed amendments to make allowances[~17:50] Proposed amendments to Class I differentials[~18:50] Proposed amendments to Class I mover/base Class I skim milk price[~19:45] Timeline for the referendum process[~24:55] What happens if the majority of producers in an FMMO vote do not vote to approve the order as amended[~27:45] How producers will know if their cooperative plans to block vote on their behalf or if they will vote individually[~29:10] An overview of the three webinars the USDA is holding in November to answer producer questions[~35:55] About Gambonini's dairy background and her role at HighGround Dairy[~37:50] HighGround Dairy's process for analyzing the potential impacts of the proposed amendments[~38:45] Projected impact: Milk composition factors[~41:10] Projected impact: Surveyed commodity products[~42:35] Projected impact: Make allowances[~45:35] Projected impact: Class I mover/base Class I skim milk price[~46:50] Projected impact: Class I differentials[~48:15] Where different regions could see different impacts[~50:35] Benefits to the dairy industry if proposed amendments are approved[~53:00] Challenges associated with the proposed amendments[~54:30] Key points dairy producers should know Read more about the final decision on the hearing website. Questions regarding the final decision can be sent to the USDA via email. Email the HighGround Dairy team.

On Episode 779 of WHAT THE TRUCK?!?, Dooner is talking about how the election may impact freight. With Trump and Harris having such different policies on taxes, tariffs and foreign policy, this election represents two very different paths forward for trade. How do drivers feel about hours-of-service regulations? J. J. Keller's Josh Lovan breaks down their latest HOS Pulse, which looks at how drivers are impacted by these regulations.  Don Everhart is on the move. After making a big impact with FreightVana, he's recently moved on to Transflo. We'll find out what's in store for him, and we'll look into why he thinks AI is both the most important and overhyped tech that will emerge in supply chain over the next five years.  ePost Global's Carlos Barbosa tells us what global e-commerce has to say about holiday peak season. Plus, Canada's largest port on lockdown;  RaceTrac crime ring busted; RIP Peanut and Fred; Titanic Halloween costume doesn't sink; and more.  Catch new shows live at noon EDT Mondays, Wednesdays and Fridays on FreightWaves LinkedIn, Facebook, X or YouTube, or on demand by looking up WHAT THE TRUCK?!? on your favorite podcast player and at 5 p.m. Eastern on SiriusXM's Road Dog Trucking Channel 146. Watch on YouTube Check out the WTT merch store Visit our sponsor Subscribe to the WTT newsletter Apple Podcasts Spotify More FreightWaves Podcasts Learn more about your ad choices. Visit megaphone.fm/adchoices

On Episode 779 of WHAT THE TRUCK?!?, Dooner is talking about how the election may impact freight. With Trump and Harris having such different policies on taxes, tariffs and foreign policy, this election represents two very different paths forward for trade. How do drivers feel about hours-of-service regulations? J. J. Keller's Josh Lovan breaks down their latest HOS Pulse, which looks at how drivers are impacted by these regulations.  Don Everhart is on the move. After making a big impact with FreightVana, he's recently moved on to Transflo. We'll find out what's in store for him, and we'll look into why he thinks AI is both the most important and overhyped tech that will emerge in supply chain over the next five years.  ePost Global's Carlos Barbosa tells us what global e-commerce has to say about holiday peak season. Plus, Canada's largest port on lockdown;  RaceTrac crime ring busted; RIP Peanut and Fred; Titanic Halloween costume doesn't sink; and more.  Catch new shows live at noon EDT Mondays, Wednesdays and Fridays on FreightWaves LinkedIn, Facebook, X or YouTube, or on demand by looking up WHAT THE TRUCK?!? on your favorite podcast player and at 5 p.m. Eastern on SiriusXM's Road Dog Trucking Channel 146. Watch on YouTube Check out the WTT merch store Visit our sponsor Subscribe to the WTT newsletter Apple Podcasts Spotify More FreightWaves Podcasts Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov. 1, 2024 - A new survey of former service members in New York is providing a fresh perspective on the challenges facing veterans and how to meet their needs. We discuss these findings and what should come next with Derek Coy, a senior program officer for the New York Health Foundation, which commissioned the study.

A Napolitan News Service online survey, with assistance from Scott Rasmussen and RMG Research, asked 1,000 registered voters whether America would be better off with Trump dead, and the results were disturbing to say the least. 28% of Democrats surveyed said that America would benefit from Trump being assassinated in Sunday's attempt on his life, while 25% of Dems said they weren't sure. What is wrong with these people?Support the show: http://www.wbap.com/chris-krok/See omnystudio.com/listener for privacy information.

The Stop Stockouts Project says it has found that in the Eastern Cape and KwaZulu-Natal provinces, almost all women and girls who were surveyed did not receive the contraceptives they requested. The project says some of its findings are that poor national procurement planning continues to be the main driver of contraceptive shortages and stockouts. The Stop Stockouts Project says access to contraceptives is a crucial component of the enjoyment of the right to sexual and reproductive health rights. 

On today's #NCFDeprogrammed, NCF Director Peter Whittle, Senior Fellow Rafe Heydel-Mankoo and Amy Gallagher of Stand Up To Woke discuss: * We publish the names of all Parliamentary candidates who back our 10 Pledges to Save Britain: www.newcultureforum.org.uk * General Election round up

In this episode, Jimmy Purdy is joined by Steven Fafel, and they discuss the complexities of modern marketing. Steven emphasizes the critical role of online scheduling in streamlining customer experiences. Jimmy shares the importance of adjusting prices based on customer feedback to enhance service quality. They also delve into the significance of social media and event attendance as fresh marketing tactics. 00:00 Success from community recognition and car repair.05:17 Striving for greatness in new programs and systems.08:57 Disagreement with business practices and dealing with difficult customers.10:11 Limited time, focus on business success.16:08 Older shops need to adapt to technology.19:07 Having a good time at the shop.20:50 Optimizing marketing strategies for online and offline conversion.25:53 Discovering successful shops online led to a positive experience.29:23 Focus on customer acquisition to increase growth.30:04 Auto ops delivers results in month one.33:19 Startups struggle with constraining feedback from contracts.36:50 Surveyed online scheduling methods, and found a lack of availability.39:32 Gearbox sounds like a summons. We should go. Thanks to our sponsor, Shop Boss! See how they can simplify your auto shop HERE

PJ talks to Solidarity Cllr Brian McCarthy about a survey showing massive worries about water discoloration. See also Dirty Discolored Water Community ProtestThu May 2nd 6.30pm Hollyhill Library, Harbour view Rd Organized by The Socialist Party Hosted on Acast. See acast.com/privacy for more information.

This Tuesday we're talking about why GM is smiling from their robust financial performance in Q1. We also talk about a controversial toggle on Tesla's website, as well as what companies are ignoring in their surveys. Show Notes with links:General Motors is kicking off 2024 with a robust financial performance, boosting full-year guidance after a stellar first quarter.GM's net income soared by 24% in Q1, reaching $2.98 billion, driven by strong vehicle demand, especially in North America where revenue hit a first-quarter record of $36.1 billion.Adjusted earnings before interest and taxes grew to $3.9 billion, prompting GM to raise its full-year EBIT forecast by $500 million to between $12.5 billion and $14.5 billion.Despite new-vehicle prices expected to drop slightly, GM's pricing remained stable in Q1, supported by sales of small crossovers like the Chevrolet Trax and Buick Envista.Cost-cutting measures, including $300 million in reduced fixed costs from marketing and engineering, are on track to meet GM's $2 billion reduction goal by year-end."Globally, our team is leaning into every opportunity with a focus on profitability to build on our strong start to 2024," said CEO Mary Barra, indicating the company's proactive strategy amid challenges.The Tesla toggle: Elon Musk recently tweeted a Model Y price starting below 30k. This was reflected on their website. The catch is that the price included calculated fuel savings based on an assumption of use. This could be adjusted and toggled off. Could Dealers get away with this? Are they violating the rules?Will they get in trouble? Customer satisfaction surveys are pervasive, a new Business Insider article explores whether they really help businesses, or just annoy customers with constant requests for feedback?Surveys have become a standard practice across industries, aiming to optimize customer experiences for business gains, not necessarily customer benefit.The spending on market research, specifically customer surveys, has ballooned to $80 billion annually, with a significant focus on monitoring and improving customer satisfaction metrics.Despite the intention to gather useful data, the overwhelming number of surveys has led to 'oversurveying', making many people less likely to respond, which paradoxically leads to more surveys being sent out.Companies are now focusing less on the quality of products and more on whether their offerings meet customer expectations; the current emphasis in surveys is on the entire customer experience, not just product quality. "Companies are using surveys to cling to unloyal customers. It's much cheaper to keep a customer than acquire a new one," explains Brad Anderson of Qualtrics, highlighting the economic motives behind the survey onslaught.Hosts: Paul J Daly and Kyle MountsierGet the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/ Read our most recent email at: https://www.asotu.com/media/push-back-email

Education Headline RoundupThis week in the roundup of latest news and headlines impacting education:Ohio is set to increase the prices for teacher licensing fees in order to prevent the Ohio Board of Education from having a $3.5 million budget shortfall next year.In response to a growing literacy crisis, Oregon has so far distributed about $28 million in grants aimed at bolstering reading education. This initiative represents a critical effort to enhance educational outcomes and address systemic challenges in early education. According to NPR, “Surveyed schools in Oregon remain nearly two-thirds of a year behind pre-pandemic levels in reading,” and “learning loss in Oregon is roughly two to three times worse than national averages.”Schools across the nation are facing an alarming increase in student absences. Recent Pew Research data polled educators across the nation; 61% of high school teachers said chronic absenteeism was a problem at their schools. Researchers are pointing to a cultural shift in the wake of COVID-19 concerning our relationship to school.The Great College Con: Operation Varsity BluesThis week we take a walk through the concealed corridors of privilege and power within the U.S. college admissions system. A wide-ranging scandal known as Operation Varsity Blues (unveiled in March 2019) reflects the complex, often unseen mechanisms that shape educational access and equity at some of the U.S.'s most elite colleges and universities.Operation Varsity Blues exposed a network of wealthy parents and college coaches, who with an orchestrator named Rick Singer manipulated admissions systems to favor their children, often without the students' knowledge. Singer's scheme involved a so-called "side door" into prestigious colleges, and his activities facilitated more than $25 million in bribes. Through fabricated athletic profiles and manipulated standardized test scores, the scandal implicated celebrities, executives, and coaches. The scandal prompted a reevaluation of admissions policies and the role of standardized testing in evaluating scholastic merit.We'll discuss whether meritocracy has become a myth, what part test-optional policies play in admissions reform, the impact on student mental health brought by the college application rat race, and how college rankings apply pressure to the admissions process.Thanks for listening!Sources & Resources:Watch Out: Tornado Alley Is Migrating Eastward | Scientific AmericanIowa vs. South Carolina TV ratings: How 2024 NCAA women's championship broadcast compares to other sportsOhio's Board of Education expresses budget crisis following education department overhaul | 10tv.comOhio school board may raise teacher license fees as budget shortfall loomsOregon schools' pandemic recovery lags behind much of the nation : NPROregon Literacy Crisis: State distributes millions in grants aimed at reading educationA Crisis of School Absences - The New York TimesWhat's It Like To Be a Teacher in America Today? | Pew Research CenterAbsent Peers, Present Challenges: The Differential Impact of In-Person and Virtual Classmate Absences on Future Attendance | Texas Tech College of EducationTV celebrities and coaches charged in college bribery scheme | AP NewsWeb Archive - About The KeyDo donations influence college admissions? | Higher Ed DiveActresses, Business Leaders and Other Wealthy Parents Charged in U.S. College Entry Fraud - The New York TimesWho's Been Charged in the College Admissions Cheating Scandal? Here's the Full List - The New York TimesCollege Admissions Scandal: Full List of People SentencedWhat Happened to the Students Caught Up in the College Admissions Scandal? - The New York TimesSAT Quiz: Can You Answer Questions From the Original Test? | TIMEMLB, players union trade blame for pitcher injuries as MLBPA condemns pitch clock, league faults velocity - CBSSports.com

The 2024 State of DevOps Report: The Evolution of Platform Engineering is live! In this episode, we're taking you behind the scenes with the authors of the report and one of the people who helped run the survey.Download the 2024 report for free here!On this episode, join us as host Ben Ford, report authors Margaret Lee and David Sandilands, and project manager Stephanie Fairchild pull back the curtain on the 2024 State of DevOps Report.What are the characteristics of successful platforms? Why is the new practice driving a surge in security? Where is platform engineering going next? Learn more in this episode!Highlights:Why the State of DevOps Report pivoted to cover platform engineering last yearWhat we wanted to find out this yearThe big takeaways from the 2024 reportOur predictions for the next year of platform engineeringSpeakers:Ben Ford, Community Lead at Puppet by PerforceMargaret Lee, Manager of Product Management at Puppet by PerforceDavid Sandilands, Principal Solutions Architect at Puppet by PerforceStephanie Fairchild, Senior Manager at ClearPath StrategiesLinks:Download the 2024 State of DevOps Report: The Evolution of Platform EngineeringEmail Margaret at Margaret.Lee@perforce.comFind Ben on Mastodon, Twitter, and in the Puppet Community Slack as binford2kFind David on Mastodon and TwitterCheck out another episode with Ben, Margaret, and David about how return-to-office plans are shaping platform strategiesRead the episode transcriptFind Us Online:puppet.comApple PodcastsTwitterLinkedIn

I discuss "I am that". Tat tvam asi. Power phrases, the name of God. Panentheism? Everything is suffused with the divine, providence?

Welcome to episode 247 of the CloudPod Podcast – where the forecast is always cloudy! Pepperidge Farm remembers – and now so does ChatGPT! Today on the pod we're talking about the new “memory” function in ChatGPT, secrets over at OCI, and Firehose dropping Kinesis like its HOT. Plus plenty of other Cloud and AI news to get you through the week. Let's get started!  Titles we almost went with this week: I Don't Think Anyone Wants to be “Good Enough” in AI  Oracle Can Rotate All My Secrets Amazon Data Firehose – Not Without Kinesis  A big thanks to this week's sponsor: We're sponsorless this week! Interested in sponsoring us and having access to a very specialized and targeted market? We'd love to talk to you. Send us an email or hit us up on our Slack Channel.  Follow Up 00:57 C2C Event  Recently Justin was down at a 2gather event Google's Cloud headquarters near Moffett Field in Sunnyvale. So to those new listeners who heard Justin there and just couldn't get enough, welcome! We're happy to have you.  Want to see what events are coming up, and hopefully near you? Check out the lineup here.  General News 08:25  Why companies are leaving the cloud  A recent study by Citrix, is saying that 25% of organizations in the UK have already moved half or more of their cloud-based workloads back to on-premises infrastructures.   The survey questioned 350 IT leaders on their current approaches to cloud computing.  93% of them had been involved in a cloud repatriation project in the last three years.  Surveyed said their reasons for moving from the Security Issues, High Project Expectations and unmet expectations, with most saying the cost was the biggest motivator, which definitely makes sense to us.  In general this isn't my experience when talking to listeners, or folks at the recent C2C event; there's always a few companies that probably shouldn't have moved to the cloud in the first place, but those numbers don't pan out to us in who we're talking to.  We're interested in listener feedback here – have any of you been involved in a repatriation project?  09:55 Ryan – “I think it’s kind of the same thing that happened in reverse a few years ago, where it’s like all the companies are moving to the cloud. The same reports were, you know, 50 % of companies are moving other entire workloads into the cloud. And now it’s sort of the pendulum swinging the other way.” AI is Going Great (or how ML Makes all Its Money) –  ChatGPT gets Reveries 12:37 Memory and new controls for ChatGPT ChatGPT is adding a new “memory” feature; “remembering” allows you to ask the bot to remember things you have chatted about with ChatGPT in the past.   So things like you love to travel, you have a daughter, etc.  

According to The Met, the Harlem Renaissance has not been surveyed in a New York museum since 1987. The museum's new exhibition, The Harlem Renaissance and Transatlantic Modernism, presents more than 160 works of various mediums examining the culturally rich period of Black American creativity in the early 20th century, with Harlem as its epicenter. For our ongoing Black History Month series dedicated to both famous and overlooked Black New Yorkers, we speak to curator Denise Murrell and preview the exhibition, which opens on February 25.

How can leaders foster a united, empowered workforce that delivers on the company mission? In Part 3 of this series, Dr. Bryant unveils how clearly articulating core principles—and living them out daily—shapes culture and supercharges engagement. From the C-suite to frontline staff, values-driven decisions and interactions signal what an organization truly prioritizes. When values progress from posters on the wall to practices in the hall, they transform teams by linking individual purpose to collective vision.    [00:00 – 05:16] – Importance of Living Company Values Leaders model values in decisions and interactions Shows values are practical guides, not just aspirational Workforce then delivers services aligned with principles   [05:17 – 09:41] – Example: Refreshing a Company's Values 20 year old company updates strategic plan and values Surveyed employees at all levels to determine new values Landed on 8 value statements, including safety, integrity, innovation   [09:42 – 15:22] – Integrating Values into Operations Start with finding job candidates whose values align Show values in action during onboarding through stories Develop leadership programs emphasizing leading by values   [15:23 – 19:46] – Closing Segment Clearly articulate current values or refresh if needed Train leaders to role model values in decisions and interactions Recognize employees exemplifying the company's core values   Pivot for More in 2024 - https://bit.ly/3QZL3gK   If this content impacts you, please subscribe for more access to the empowering conversations from me and guests working to help you engineer your success!   Text PIVOT to 1-804-913-2579. Make 2024 the year of no regrets.   Use this link to drop a question or a topic that you would like to see covered on a future episode: Questions or topic suggestions.   Let's connect! Find me on my LinkedIn, Facebook, and Instagram. I'd love to hear from you. Sign Up for the Email List: https://bit.ly/3QFzcWW   You have the strength of a hero within you.    Check out my website, www.engineeryoursuccessnow.com, and learn how to unlock your potential and achieve success both in business and in life.   Key Quote: “When leaders consistently model the core values in their actions, decisions, and the way they manage and inspire their teams, it sends a clear message throughout the organization.” - Dr. James Bryant    

How can leaders foster a united, empowered workforce that delivers on the company mission? In Part 3 of this series, Dr. Bryant unveils how clearly articulating core principles—and living them out daily—shapes culture and supercharges engagement. From the C-suite to frontline staff, values-driven decisions and interactions signal what an organization truly prioritizes. When values progress from posters on the wall to practices in the hall, they transform teams by linking individual purpose to collective vision.    [00:00 – 05:16] – Importance of Living Company Values Leaders model values in decisions and interactions Shows values are practical guides, not just aspirational Workforce then delivers services aligned with principles   [05:17 – 09:41] – Example: Refreshing a Company's Values 20 year old company updates strategic plan and values Surveyed employees at all levels to determine new values Landed on 8 value statements, including safety, integrity, innovation   [09:42 – 15:22] – Integrating Values into Operations Start with finding job candidates whose values align Show values in action during onboarding through stories Develop leadership programs emphasizing leading by values   [15:23 – 19:46] – Closing Segment Clearly articulate current values or refresh if needed Train leaders to role model values in decisions and interactions Recognize employees exemplifying the company's core values   Pivot for More in 2024 - https://bit.ly/3QZL3gK   If this content impacts you, please subscribe for more access to the empowering conversations from me and guests working to help you engineer your success!   Text PIVOT to 1-804-913-2579. Make 2024 the year of no regrets.   Use this link to drop a question or a topic that you would like to see covered on a future episode: Questions or topic suggestions.   Let's connect! Find me on my LinkedIn, Facebook, and Instagram. I'd love to hear from you. Sign Up for the Email List: https://bit.ly/3QFzcWW   You have the strength of a hero within you.    Check out my website, www.engineeryoursuccessnow.com, and learn how to unlock your potential and achieve success both in business and in life.   Key Quote: “When leaders consistently model the core values in their actions, decisions, and the way they manage and inspire their teams, it sends a clear message throughout the organization.” - Dr. James Bryant    

In a new surey, nearly half of all employers are thinking about striking down 'college degree' as a job requirement. WWJ's Murray Feldman has more. 

Today - Wenatchee Valley residents experiencing homelessness will be surveyed this coming week as part of a nationwide yearly count. And later - Pet-royalty is called to be elected canine king and queen to march in the Apple Blossom Festival Stemilt Parade on May 4th.Support the show: https://www.wenatcheeworld.com/site/forms/subscription_services/See omnystudio.com/listener for privacy information.

Here's what you need to know from this week in the business of podcasting: The Fastest Growing Languages in PodcastingPodcast Download Fall 2023, Cumulus Media and Signal Hill InsightsSpotify Announces LayoffsANA Study Finds Nearly 2/3rds of Ad Dollars Never Reach Intended AudiencesQuick Hits: The Partial Attention Economy of Video Podcasting by Tom Webster. Surveyed podcast audiences say they're media-agnostic when it comes to how and where they consume podcasts. Tom examines what this means for podcasting. Speaking of video and podcasting, don't forget to register for Sound You Can See: Podcasting's Video Dilemma, which debuts in a free webinar at 2:00 p.m. CST on Wednesday, December 13th. Libsyn Unveils November 2023 Podcast Advertising Rates, and 5 Developments to Watch in 2024. Along with the latest AdvertiseCast average CPM for a 60 second podcast ad, CRO Dave Hanley shares five things to keep an eye on next year. Deloitte: Audio Market to Surpass $75 billion in 2024. In addition to the overall number for audio advertising, Deloitte predicts podcasting has a fair amount of untapped potential for per-user revenue growth. Podcasts aren't as doomed as they look. But some of the best ones are by Scott Nover. A look at the last year for Spotify, as well as big-picture reflection on the issues facing more cost-intensive journalistic and investigative podcasts.Podcast Companies Begin to Advertise Like Hollywood Studios by Katie Deighton. Wondery is taking a page out of the Hollywood playbook, promoting the new Grinch podcast with a pop-up event in a Los Angeles mall.

Here's what you need to know from this week in the business of podcasting: The Fastest Growing Languages in PodcastingPodcast Download Fall 2023, Cumulus Media and Signal Hill InsightsSpotify Announces LayoffsANA Study Finds Nearly 2/3rds of Ad Dollars Never Reach Intended AudiencesQuick Hits: The Partial Attention Economy of Video Podcasting by Tom Webster. Surveyed podcast audiences say they're media-agnostic when it comes to how and where they consume podcasts. Tom examines what this means for podcasting. Speaking of video and podcasting, don't forget to register for Sound You Can See: Podcasting's Video Dilemma, which debuts in a free webinar at 2:00 p.m. CST on Wednesday, December 13th. Libsyn Unveils November 2023 Podcast Advertising Rates, and 5 Developments to Watch in 2024. Along with the latest AdvertiseCast average CPM for a 60 second podcast ad, CRO Dave Hanley shares five things to keep an eye on next year. Deloitte: Audio Market to Surpass $75 billion in 2024. In addition to the overall number for audio advertising, Deloitte predicts podcasting has a fair amount of untapped potential for per-user revenue growth. Podcasts aren't as doomed as they look. But some of the best ones are by Scott Nover. A look at the last year for Spotify, as well as big-picture reflection on the issues facing more cost-intensive journalistic and investigative podcasts.Podcast Companies Begin to Advertise Like Hollywood Studios by Katie Deighton. Wondery is taking a page out of the Hollywood playbook, promoting the new Grinch podcast with a pop-up event in a Los Angeles mall.

On last week's podcast, Tyler covered the importance of surveying your audience regularly, and provided a number of tips on how to conduct an effective survey. In this follow-up session, he'll cover what to do after the survey is complete, and his process to turn audience responses into cold-hard cash!

The last publicly available nation-wide caste census in India was conducted in 1931. Now, a state-wide caste census has become available from the government of Bihar. Even though we know the Indian state collects data on a variety of markers and indicators, whether socioeconomic or health-related, there seems to be a reluctance when it comes to collecting data on caste. What is the reason for this? What are the complexities involved in capturing caste in India? How should we think about the categorization and sub-categorization of caste? What will the politics of caste look like going forward? What are the ways in which a caste census can be conducted more efficiently? What are the different aspects of the politics of social justice in India? What have been the successes and failures of social justice in India?In this episode of Interpreting India, D. Shyam Babu joins Suyash Rai to discuss these questions and more.Episode ContributorsD. Shyam Babu is a senior fellow at the Centre for Policy Research. His current research interests include socioeconomic mobility among Dalits, liberalization and social justice, and the role of entrepreneurship in mobility. He has also collaborated with Devesh Kapur and Chandra Bhan Prasad to conduct socioeconomic surveys to map social change and its linkages with public policies and entrepreneurship among Dalits. Their 2014 co-authored book, Defying the Odds, has received critical acclaim.Suyash Rai is a deputy director and fellow at Carnegie India. His research focuses on the political economy of economic reforms and the performance of public institutions in India. His current research looks at the financial sector, the fiscal system, and the infrastructure sector.Additional ReadingsMandal's Original Sin, Surveyed by D. Shyam BabuRethinking Inequality: Dalits in Uttar Pradesh in the Market Reform Era by Devesh Kapur, Chandra Bhan Prasad, Lant Pritchett, and D. Shyam BabuDefying the Odds: The Rise of Dalit Entrepreneurs by Devesh Kapur, D. Shyam Babu, and Chandra Bhan Prasad Reimagining Merit in India: Cognition and Affirmative Action by D. Shyam Babu, Chandra Bhan Prasad, and Devesh KapurDalits in the New Millennium by Sudha Pai, D. Shyam Babu, and Rahul VermaKey Moments(00:00); Introduction(01:47); Chapter 1: Why Was There Hesitance in Conducting Caste Census?(10:43); Chapter 2: The Complexity of Caste and Its Relationship With the State(15:45); Chapter 3: Potential Purposes of Caste Census(20:49); Chapter 4: Scope of Improvement in Politics of Caste Census(23:29); Chapter 5: Ways to Mitigate the Negative Consequences of Caste(30:13); Chapter 6: Public System and Caste (35:35); Chapter 7: Consequences and Limitations of Economy on Social System(42:18); Chapter 8: Caste Issues and Public(44:28); Chapter 9: The Making of Citizens: Social Identity and Community (52:08); Chapter 10: Structural Incompetence of Caste on Social System(54:16); Chapter 11: Cultural Determinism and Nationalism(57:24); Chapter 12: Social Justice in Relation to Caste(58:25); Chapter 13: Recommended Books (59:10); Outro---From December 4–6, 2023, Carnegie India will convene the eighth Global Technology Summit, co-hosted with the Ministry of External Affairs, Government of India. This year, we will discuss key technology policy issues concerning digital public infrastructure, artificial intelligence, critical and emerging technology, space, semiconductors, national security and technology, data protection, and more.  To register for the summit, visit gts2023.com. Make sure you follow our Twitter, Facebook, and Instagram accounts for more updates on the event.

This episode is Featuring Los Angeles based Singer/Songwriter Artist SAKARI GREENWELL. I will be discussing the benefits of listening to music. Surveyed people's favorite songs and how they make them feel. Also you will hear Sakari's song EVOLVING as well. You can find her music on most digital platforms such as Spotify and Apple Music etc. Sakari's INSTAGRAM is @sakarisweet. My email is loosechatterpodcast@gmail.com and My facebook is Loose Chatter Erica-Renee. Hope you Enjoy this Episode of the Pod!!

Maria West, VP of Marketing at VIB, and Katie Dematteis, Co-Founder of Amateurish Production, recognize that there is so much that AI can do when going from creation to conversion with marketing content. To stay current on our latest events, follow us on Linkedin. Useful Timestamps: 2:49 - Surveyed customers on marketing trends3:24 - Definition of generative AI 4:23 - Statistics on adoption of AI5:52 - How do you see AI generated ideation or content fitting into your larger strategy moving forward? 9:30 - Results from survey10:29 - How do individuals see themselves self-applying AI into different areas of their marketing strategy? 13:20 - Content personalization has the next best potential, after creation.15:51 - What are some advantages or disadvantages of using generative AI content for both production and distribution? 17:43 - Biggest concerns implementing generative AI21: 38 - What are some ideas that you have for how to distribute or syndicate AI generated content?26:38 - How do you think businesses can use AI to improve their lead generation?30:53 - Concluding Remarks

Washington Commanders fans want to know if the media narrative around the team would be any different if Jacoby Brissett were the presumed starter instead of Sam Howell.To get the answer we surveyed a number of media members from the local DMV area as well as national media and even people who are or have worked within the NFL framework itself.The answers were mostly in agreement that the Commanders would be better this season with Brissett over Howell, but another large group has their eyes turned toward the future and have the young quarterback as the better choice there.An interesting dive into the opinions of media members, and how it relates to the views on Washington football in 2023.Follow & Subscribe on all Podcast platforms…

Washington Commanders fans want to know if the media narrative around the team would be any different if Jacoby Brissett were the presumed starter instead of Sam Howell. To get the answer we surveyed a number of media members from the local DMV area as well as national media and even people who are or have worked within the NFL framework itself. The answers were mostly in agreement that the Commanders would be better this season with Brissett over Howell, but another large group has their eyes turned toward the future and have the young quarterback as the better choice there. An interesting dive into the opinions of media members, and how it relates to the views on Washington football in 2023. Follow & Subscribe on all Podcast platforms…

As conservative lawmakers push anti-LGBTQ+ legislation, new data from The Trevor Project underscores the mental toll on LGBTQ+ youth. We hear from young people around the country about the challenges they face and their hopes, and John Yang speaks with Dr. Jack Turban, assistant professor of child and adolescent psychiatry at the University of California San Francisco, to learn more. PBS NewsHour is supported by - https://www.pbs.org/newshour/about/funders

As conservative lawmakers push anti-LGBTQ+ legislation, new data from The Trevor Project underscores the mental toll on LGBTQ+ youth. We hear from young people around the country about the challenges they face and their hopes, and John Yang speaks with Dr. Jack Turban, assistant professor of child and adolescent psychiatry at the University of California San Francisco, to learn more. PBS NewsHour is supported by - https://www.pbs.org/newshour/about/funders

A new study of Australian employers found that half are keen to hire refugees and asylum seekers, but most do not act. Academics who are working to boost employment outcomes for refugees, say changing attitudes will be a slow process.

[GoBankingRates] Over half of seniors say Social Security raise doesn't keep pace with inflation [Reverse Market Insight] Reverse Market Minute with Jon McCue [ReverseMortgageDaily] Fairway names new division head and team leadership roles

Today - The number of unsheltered people surveyed locally has decreased about 14% from 2022, but that may not reflect the reality of the situation. And later - A former Wenatchee library manager has taken a position at the Wenatchee Valley Museum and Cultural Center.Support the show: https://www.wenatcheeworld.com/site/forms/subscription_services/See omnystudio.com/listener for privacy information.

Today on Dermot & Dave the lads discussed the Ireland V France game at the Aviva stadium this weekend. The lads spoke to producer Seán, who was at the game, about the atmosphere inside the stadium. This lead to a discussion about whether fans should be stopped from buying booze while play is ongoing. Over 70 per-cent of those who responded to the poll think booze should not be served, with one texter saying 'it ruins the atmosphere'.

Planning for retirement is challenging at best. Financial advisors from around the country were surveyed by the money management firm Natixix to find out what they think are some of the biggest retirement planning mistakes people make. That and much more on Financially Fearless with Saba Khan. Visit 1890Wealth.com Call 800-730-3385.See omnystudio.com/listener for privacy information.

Bitcoin is now less volatile than the S&P 500 and the Nasdaq, as BTC seems to come to life just before the US elections. Sam Bankman-Fried of FTX is under fire from the public and CZ as there may be trouble in paradise for the popular exchange. And do US voters care about candidates positions on crypto? We'll tell you what a recent poll says on this FTX WTF with SBF and CZ as we LOL Bad News episode #646 of the BCP.  Time Stamps 00:00 - Intro 03:20 - Crypto Market Review 04:35 - Bitcoin is now less volatile than the S&P 500 and NASDAQ 10:53 - LBRY the token for platform Odysee lost their SEC case 12:10 - Sam Bankman-Fried's crypto empire is splitting into two 15:00 - CZ at Binance aims to liquidate FTX tokens 17:20 - Surveyed voters find it important to evaluate election candidates' crypto regulation positions 21:00 - Crypto is no longer in the Top 10 of sighted risks for the United States 23:10 - Bad Crypto Nifty Club membership and closing remarks Full Show Notes at: http://badco.in/646 SUBSCRIBE, RATE, & REVIEW: Apple Podcast: http://badco.in/itunesGoogle Podcasts: http://badco.in/googleSpotify: http://badco.in/spotify FOLLOW US ON SOCIAL MEDIA: Twitter: @badcryptopod - @joelcomm - @teedubyaFacebook: /BadCrypto - /JoelComm - /teedubyawFacebook Mastermind Group: /BadCryptoLinkedIn: /in/joelcomm - /in/teedubyaInstagram: @BadCryptoPodcastEmail: badcryptopodcast[at]gmail[dot]comPhone: SEVEN-OH-8-88FIVE- 90THIRTY BE A FEATURED GUEST: http://badco.in/apply DISCLAIMER:Do your own due diligence and research. Joel Comm and Travis Wright are NOT FINANCIAL ADVISORS. We are sharing our journey with you as we learn more about this crazy little thing called cryptocurrency. We make NO RECOMMENDATIONS. Don't take anything we say as gospel. Do not come to our homes with pitchforks because you lost money by listening to us. We only share with you what we are learning and what we are investing it. We will never "pump or dump" any cryptocurrencies. Take what we say with a grain of salt. You must research this stuff on your own! Just know that we will always strive for RADICAL TRANSPARENCY with any show associations.Support the show: https://badcryptopodcast.comSee omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

Discover why millionaires who were surveyed said inflation is the biggest problem. Are you investing well for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest, makes a huge difference to your financial future and lifestyle. If you only knew where to invest for the long-term, what a difference it would make, because the difference between investing $100k and earning 2% or 10% on your money over 30 years, is the difference between it growing to $181,136 or $1,744,940, an increase of over $1.5 million dollars. Your compounding rate, and how well you invest, matters!  INTERESTED IN THE BE WEALTHY & SMART VIP EXPERIENCE? -Asset allocation model with stock and crypto ticker symbols and percentages to invest -Monthly VIP investing webinars with Linda -Private VIP Facebook group with daily interaction with Linda -Weekly VIP stock market & crypto update emails -Lifetime access with no additional cost -US and foreign investors, no minimum $ amount required Extending the special offer, enjoy a 50% savings on the VIP Experience by using promo code "SAVE50" at checkout. More information is here or have a complimentary consultation with Linda to answer your questions. To request an appointment to talk with Linda, click here. AUDIOBOOK IS NOW AVAILABLE My audiobook of "3 Steps to Quantum Wealth" is now available! Get it on Amazon here: https://amzn.to/3c7lma8 QUANTUM BOOK BONUSES These bonuses are available when you buy my newly released book, 3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies on Amazon, here.  As a thank you for buying the book on Amazon, you will receive a: Set of 4 Wealthy Mindset Blueprint audio recordings to help you create a wealthy mindset ($197 value) Webinar with Linda called “Financial Freedom by Investing in Cryptocurrencies” ($1,500 value) On the webinar you will learn: -The wealth building potential of the 8 cryptocurrencies mentioned in the book -Why they will experience exponential growth -Strategies for accumulation The link to the book bonus page is here.  WANT TO BUY STOCK PRE-IPO? For Accredited Investors, sign up to receive a $250 credit from Linqto, click here. If you are watching this on YouTube, you will need to copy and paste this into your browser: https://www.linqto.com/signup?r=e9tdhbl49v  Need to find out how to get Accredited? Listen to my podcast. PLEASE REVIEW THE SHOW ON ITUNES If you enjoyed this episode, please subscribe and leave a review. I love hearing from you! I so appreciate it! SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed WEALTH HEIRESS TV Please subscribe to Wealth Heiress TV YouTube channel (it's not just for women, it's for men too!), here. PLEASE LEAVE A BOOK REVIEW FOR THE CRYPTO INVESTING BOOK Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". PLEASE LEAVE A BOOK REVIEW FOR THE WEALTH HEIRESS BOOK Get my book, “You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH MENTORING LIBRARY OF PODCASTS Listen to the full wealth mentoring library of podcasts from the beginning. Use the search bar in the upper right corner of the page to search topics. Be Wealthy & Smart, is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor™. Learn simple steps that make a big difference to your financial freedom.  (Some links are affiliate links. There is no additional cost to you.)  

Holmberg's Morning Sickness - Brady Report - Thursday March 31, 2022