Podcasts about Switzerland

How you can use the trachea of your enemy as a foam roller, why I wanted to fight god when I lost my marbles a few years ago, a detailed description of the anxiety I need flowing through my body to answer a simple email, and much more. And everyone's favorite segment A.A.A. (Anthony's A-hole Advice) is back again this week. Giving my advice on everything from relationships to hungry hungry hippo's in an offshore bank account in Switzerland. My Socials Podcast's Instagram: ⁠⁠⁠https://www.instagram.com/kickinitwithkoz⁠⁠⁠ Tik Tok: ⁠⁠⁠https://www.tiktok.com/@anthonykoz⁠⁠⁠ Instagram:⁠⁠⁠ https://www.instagram.com/anthonykoz_⁠⁠⁠ YouTube: ⁠⁠⁠https://www.youtube.com/c/anthonykoz Learn more about your ad choices. Visit megaphone.fm/adchoices

Tonight, we'll read the next chapter of “Good Wives” written by Louisa May Alcott titled “All Alone”. This is also known as the second half of the “Little Women” novel and is considered the 42nd chapter as part of that work as a whole. In our last chapter, Laurie tries to recover from Jo's rejection by turning to music, but soon realizes his love for her has faded into affection. His bond with Amy deepens through letters, and she quietly rejects another suitor. With news of Beth's passing, Laurie rushes to Amy's side in Switzerland, where love quietly blossoms between them. Tonight's chapter returns to Jo, amidst her grief and isolation. — read by 'V' — Sign up for Snoozecast+ to get expanded, ad-free access by going to snoozecast.com/plus! Learn more about your ad choices. Visit megaphone.fm/adchoices

Memorial Day recap. School's out. Mall/Theaters nostalgia. IEN in Fortnite. OF Trends are getting out of hand. Realtors creating content. Disasters: Hawaii, Switzerland.  VIDEO EPISODE on  YOUTUBE  www.youtube.com/@itseriknagel AUDIO EPISODE: IHeartRadio | Apple | Spotify Socials: @itseriknagel

In this episode of Money Tales, our guest is Sophie Bertin. You know that feeling when everything looks good on paper, a great job, supportive colleagues, a solid paycheck, but something inside keeps whispering, this isn't it! That was Sophie. She had a comfortable life, but comfort wasn't enough. It took a spark - an unexpected stat about entrepreneurs from a business school dean when Sophie was at a less-than-satisfying moment in her career - for her to realize: “Why am I in the 50% who haven't taken the leap?” That catalyzed her turning point. Sophie Bertin has a varied career path, from strategic consultancy, to banking operations, to the European Commission and now turned entrepreneur. She recently founded Serapy with the aim of improving corporate compliance training through the combination of simulations, gamification, role play and online tools. Serapy uses the latest educational theories to provide trainings with increased retention rate, and combines that with AI tools to enhance the learning process. Serapy is currently present in Switzerland, Bulgaria, Portugal, France and the UAE. Serapy has been accepted in the incubation program of the Unicorn Factory Lisbon and of Station F in Paris. In addition to Serapy, Sophie has her own consultancy (Parnima Consulting) since 2016, where she works with top legal and regulatory firms, consultancy firms and financial clients on EU Regulations in the area of Financial Services, Foreign Subsidies and State Aid. She also serves as independent board member of Eastnets, a leading provider of AML, SWIFT and payments solutions. She sits on the Remuneration, Nomination and Governance Committee. Before becoming entrepreneur, Sophie was Group Head of Corporate Development and Managing Director of SIX Group (in Switzerland), in charge of strategy development, innovation and regulatory affairs. During the Financial Crisis, she served as Head of Unit at the Directorate General for Competition within the European Commission. There, she was responsible for the review and approval of the State aid provided by Member States to the financial services (mostly banks) during the financial crisis of 2008-2014. Prior to her role with the European Commission, Sophie held senior positions within SWIFT, where she was globally in charge of Asset Servicing; with The Bank of New York Mellon; and worked with the top consultancies McKinsey and later Bain &Co. She started her career path as IT and database programmer, which is very helpful now with the latest AI tools she uses in her start-up. She started her studies in Vienna, graduated from the Ecole Supérieure de Commerce de Paris, holds an MBA from INSEAD and a post-graduate diploma in EU Competition Law from King's College. She holds also a diploma from the Swiss Board Institute. She is member of the Executive Committee of the INSEAD Alumni organization, and she is also the founder and president of the global INSEAD Women in Business Club. Recently, she finished an advanced AI Mastery class and won the award for the best AI Application Builder. She is promoting and advocating for AI literacy among women and through the INSEAD Women in Business Club organizes events for Women in AI.

There has been no letup in the trade drama, with a US federal court striking down much of President Trump's recent tariff hikes. That followed a sudden pivot in trade talks with the European Union - with the threat of a 50% tariff to an acceleration of negotiations all within the space of a few days. So what have we learnt about Trump's strategy? What does this all mean for the EU and Switzerland? And where do we see the safest investment opportunities across the pond? Hear perspective from Dean Turner, CIO Eurozone and UK Economist. Co-hosts: Christopher Swann and Belinda Peeters.

Kiera is joined by Mark Rasmussen, CEO of Moolah, to talk about the landscape of credit card fees and how to reduce them, membership discount plans, and other bonus features offered by the dental payment tech company. (Pssst, Mark was last on episode 866, It's Time to Modernize Payment Processing!) Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript Kiera Dent (00:00) Hello, Dental A Team listeners. This is Kiera. And today I am super jazzed because I have a guest here who's going to help us with cashflow leaks, modernizing your practice, figuring out those membership plans, all the things that you need and want. We're going to talk about some case studies. This is one of my absolute favorite guests, Mark Rasmussen, CEO, owner, founder, Moolah. How are you today, Mark? Welcome to the show.   Mark Rasmussen (00:22) Hey, Kara, I'm doing fantastic. I'm doing awesome. So, so, so it's connected with you and your listeners and excited to get into all this juicy good stuff about revenue and payments and modernizing things. Let's do it. I love it.   Kiera Dent (00:31) Yeah.   Let's   do it. So I have a slight crush on Moolah. Like truly you guys like just make credit card processing easy. And so what I want to start off, if you guys don't listen, Mark and I have done other podcasts in the past together. ⁓ But I don't know, Mark, what you guys say on your email subject lines, like on your little, what is it your signature, but I feel like it should be like your new favorite credit card processing company. Like that's what I feel like Moolah's tagline should be because I wanted to do a couple case studies with you since we last chatted.   Mark Rasmussen (00:40) Hahaha   Kiera Dent (01:05) ⁓ Mark knows, like, I do have a crush on Moolah. I try to get them to come and be our processor too.   Mark Rasmussen (01:10) I need to like soundbite clip that,   like I have a crush on Moolah just like everywhere in social. I love that.   Kiera Dent (01:15) I   do. do because I like companies that make things easy, but also are like the cheapest on the market and credit card fees are one of my biggest beefs. Like really truly I get annoyed when I look to see how much credit card fees are charging. And when you guys, ⁓ deadly team listeners, just so you know, I'm going to throw it out there. Like anybody who goes through our link literally saves 10 basis points. ⁓   on it, which is huge to get anywhere in the credit card industry. So you're getting below that 2.99. So you're getting 2.89 on cards not present and 2.39. And I hope that Mark, I'm allowed to say that because I'm just going to be bold and brazen. And if not, we'll cut that out. So don't stress about that.   Mark Rasmussen (01:52) No, no, no, for sure. And   not only that, it's like, that's not just a like teaser rate, like they look, your practices will get that preferred rate forever, right, which is awesome. And, and it's like you and I were talking a little bit earlier, too, of like, a bit of shock and awe of like, I and myself as well, I've been seeing like some statements from potential practices. And I'm like, ⁓ my God, I'm like, I'm seeing like,   Kiera Dent (02:03) which is so big and you don't add extra heat.   Mark Rasmussen (02:19) six, seven, eight percent, like net effective rates. I know you were saying you have been seeing even higher. It's crazy. Yeah, that's crazy. It's almost criminal.   Kiera Dent (02:25) Mm-hmm. Yeah, so it   does feel criminal because like here's the thing like you might get a cheaper rate somewhere else but when you look and dig into the details and this is where it feels annoying and obnoxious to me and doesn't happen right away it happens like when you've stopped looking at it you're like I've checked my credit card company for years they don't do anything and then all of a sudden it starts creeping up and being eerie and that's where I just get annoyed and that's why like I have a crush on Moolah because you guys don't do it and you guys stay consistent for it so   I felt Mark and I, you didn't listen to our last podcast, we'll definitely link it in the show notes for you. But Mark, I felt we should kick today off with some case studies because I have some clients that I've recommended over to Moolah. And I think my favorite one is we were looking and I had a practice and our overhead was high. So like this practice, they don't love to like look at numbers. They have an amazing CPA. Like I will say we do look at numbers, but they're kind of like, yeah, carry it. We'll just like out produce our problems a little bit. And that's fine. Like anybody can have that. But I said, Hey,   Mark Rasmussen (03:17) Alright.   Kiera Dent (03:21) Your credit card fees are really high. think that they were honestly like 10%. And I'm like, is that really true? Like that just seems outlandish. And they said, well, Kiera, we're in a contract. Mark, do you want to throw up with contracts? Tell me about credit card contracts.   Mark Rasmussen (03:33) Oh, I hate contracts. I hate contracts   like really in anything in my life. I don't know. So yeah, but that's, it's just crazy. The industry for the longest time has like felt the need to like lock these business owners and not just Dennis, but business owners in like these typically it's like three year contracts. And then, you know, they'll have like termination fees. And so they take advantage of that. And like you were saying, I talked to so many practices are like, Oh, I'm paying X and you know, they were paying X the first month that they signed up.   And then they didn't look at it, like you said, and then six months later, eight months later, the processor started like nudging it up, nudging it up, nudging it up. And to the point where when you look at what their rates are, you know, two years from when they signed up, it's like almost 180 degrees difference. So yeah, please you guys out there, please make sure you stay on your credit card processing. Look at those month end statements. Look at, you know, what is being nudged up because   Kiera Dent (04:19) Yeah.   Mark Rasmussen (04:28) You know, they'll just slip it in a little statement message. They're not forthcoming about it. I promise you they're not like, shooting you multiple emails or calling you and be like, hey, we're going to increase your rate. No, no, no, no, no. They're going to slip it under the table and hope that you never pay attention to it, which is really what happens because you guys are all busy. You guys are all doing amazing care on patients and you're not paying attention to that. That's the reality.   Kiera Dent (04:49) And it's creepy to me because it's also done on things that don't make sense. Like I feel like reading a credit card statement with what they're charging is like reading very highly processed foods. And I'm like, I have no clue what 90 % of these words are. And I feel like it's the same thing when you come to a credit card statement. And so back to this practice, what we did, there's two case studies I wanted to bring to the table today that are my own personal clients that I've referred over to Moolah that I signed up with Moolah. So this practice, again, overhead, let's out produce our problems.   Mark Rasmussen (05:00) That's a good comparison, I like that.   Kiera Dent (05:18) And it was wild because the first month they switched to Moolah, their CPA sent a letter to all of us and said like, hey, what'd you do? Did you switch credit card companies? Your fees are so much lower. Like that fast first month drop down. So we went from about a 10 % fee on what they're producing and collecting to then dropping it down to this 2.89 to 2.39, depending upon if card was present or not, which is super awesome also because then you can get cards.   Mark Rasmussen (05:28) guys.   Kiera Dent (05:44) on auto renew, like on just processing internally and you don't have to, like you can have cards present or not present within the practice, which is so awesome. ⁓ But I was shocked like that fast. And then another practice that we brought to Moolah, they were locked in with another credit card company. And so I didn't know you couldn't do this, Mark. So this was like rookie mistake on me. Like I was, I'm scrappy and I thought, well, okay, fine. You guys are in a contract. So.   just stop processing through that processor, switch everything over to Moolah. Well, you know this Mark and I was rookie so you know what happens. Do you know what happens with those companies?   Mark Rasmussen (06:21) No,   listen, I said that a lot too because technically, really, if the practice is in a contract, and I've said that before, you probably have these miscellaneous junk fees, these monthly minimums that are gonna hit maybe 20, $30 a month. But even if you're paying that minimum and you saved thousands over here, who cares? Pay that minimum, just write that contract out. What happened here in this scenario? Okay.   Kiera Dent (06:44) That was exactly what I said too. So   that's what, cause I was like, why not? I thought the exact same thing. I'm like, okay, if we're looking at, you're able to save 3%, 4 % like higher amounts and we're processing, even if you're processing a hundred thousand or 200,000, like that extra two, 3 % do the math. Like that's surely going to offset the cost. Well, what happened is we actually did that. So a client signed up with you guys. They did that. And we got a letter from the other processor saying,   Mark Rasmussen (06:54) Yeah.   Kiera Dent (07:11) that, we have a minimum and if we don't hit it, it was going to be substantial and to get out of contract, it was going to cost us a thousand dollars. So we literally said, fine, take the thousand dollars because we'd already saved that much through Moolah's savings to be able to like, we're just like, like it's a done deal. Like they were trying to threaten them with this thousand dollar fee, but we were like, that's so minimal to get us out of this contract based on how much we were saving. Now this practice was processing a decent chunk.   Mark Rasmussen (07:32) Right. Right.   Kiera Dent (07:38) But I think even if you're processing like 70,000, 80,000, that one, 2 % stacks up. Like it's insane how much we pay in credit card fees. So those are like the two that I wanted to bring to the, like I said, this is why I have a crush because I hate credit card fees so much. And that's going to lead into our next topic. But Mark, anything you want to add? Cause these were two cases that I've watched since we last met.   Mark Rasmussen (07:45) yeah.   I love that.   Kiera Dent (08:00) ⁓ I'm constantly on the prowl for cheaper people. I love that you guys don't charge for the terminals. You have it set up the next day. There's no contracts. Like that's where I said, like it's your new favorite, like credit card processing. You don't increase the fees. You give our clients reduced rates. If you have multi locations, you guys also take care of those practices. Like it's amazing what you guys do. So that's my like pitch for Moolah, but if you want to add anything else.   Mark Rasmussen (08:22) I love that. wanted to, because you just   like rang a memory. So what you were referring to in that practice, right, where like, okay, you can't just skate by and just pay the minimum, right? Or they were gonna hit him with his fee. Well, another thing I'm gonna tell your listeners out there is, listen, if you don't go with Moolah, great, do your homework. But one thing to look out that I've seen in contracts, which is crazy, is that sometimes you'll see a contract, all right, if you cancel early, it's like a 350 termination fee. Okay, fine.   but I've seen others out there where the processor says they try to enforce liquidated damages. So the processor will say, oh, we've been making, you're in a three year contract, on average we're making like, whatever, $500 a month on your processing. If you leave us now, it's not early termination fee, we're gonna calculate that $500 for the remaining 16, 17 months and they hit you with this liquidated damages thing, crazy. So just be on the lookout for that. If you're doing anywhere that's a contract,   Kiera Dent (08:57) No.   Mark Rasmussen (09:20) Look out for liquidated damages, that's no bueno, but better yet, find somebody that's just not gonna put you in a contract. Much easier.   Kiera Dent (09:26) Yeah. And   also like, okay, Mark, help me understand. And maybe you don't know because you guys don't do this and that's okay. But to me, it feels really funny that I signed a contract with them and there's got to be something in the fine print because I'm like, how did they go from what they told me to being able to add all these extra surcharges later on and increase it when we're in a contract?   Mark Rasmussen (09:43) for sure it's in the fine print.   yeah. It says that any, it basically says that any time at our discretion with 30 days notice, we can make an adjustment to any of your pre-schedule. And so they'll just do that. And then they'll just put a little message, you know, really small font in whatever kind of notification. And you know, in their minds, right? All right, well, we checked off the box. It's super shady. It sucks, but it's, you know, it's out there. Yeah.   Kiera Dent (10:05) Yeah, it is what it is. And I would say   they'll like look at it because two clients that were in contract, we were able to send over every person that I've sent to you guys have just loved who you are, that it's easy, that it's fast, that it's the cheapest processing. And there's a few other features that I think we should talk about. I feel like I'm on like a Moolah sales pitch right now. Like I'm truly not. I just get giddy. Like if you guys hear me talk about Swell,   Mark Rasmussen (10:27) Ha   Kiera Dent (10:30) was Zeke and Google reviews. I have a crush on Swell. They just do Google reviews better than anyone else. And right now, Moolah for sure, you guys are taking the cake on being able to do credit card processing better than any other company that I've come across, which I think is amazing. And so something else that I think is ratcheting fees on practices when we're looking for some of these cashflow leaks is on membership plans. Now, I'm a huge proponent of membership plans. I also think with the economy, with where insurance is reimbursing, ⁓ people are starting to look at like   should we be going out of network? And my big proposal is, hey, yeah, of course, if you want to do that rock on, membership plans really can help with that. But ⁓ there are some membership companies that actually charge pretty outlandish fees. I never wanted to pay for that. I was scrappy in a practice. So what I did is I just charged the patient an annual fee. Well, that was like eight years ago that I was charging an annual fee. And I think you look at today's world, no one wants an annual fee anymore. They just want like a monthly fee and they want it to be low.   Mark Rasmussen (11:02) for   Right. Right.   Kiera Dent (11:28) But managing that is nonsense on my own paying for it. And Moolah, like I've heard through the grapevine, you guys are doing something with membership fees. Can we talk about the membership plans? Talk about how you guys do this. Is it easier? Is it something we can do? Because I think membership plans have to come into play with the insurance situation that offices are in. And also possibly a cash leak if you're paying for heavy management fees on your membership plans.   Mark Rasmussen (11:37) Yeah, yeah, absolutely.   Yeah. So listen, membership discount plans. I've since I've been, I've only been in the industry, you know, dental industry for about four years now. And every year I feel like it's getting traction. More practices are asking about us. I have practices that are doing demos with us and they're like, Hey, I'm doing this demo is driving it because I heard you guys do, you know, membership, discount plan management. And so yes, the answer is we do. ⁓   And as you were looking to, there's a lot of great vendors in this space that just do that, right? And I'm not going to name any names, but there's a lot of great vendors, but they're not inexpensive. Like, you know, there's some decent SAS fees and then you pay per patient enrollment. ⁓ And so when it's, you know, when you look at the net net and you're like, okay, is this really making sense? So what's nice is that we have complete membership discount plan management built into the platform. You can create all your plans. ⁓ You can easily onboard the patient into the system.   Kiera Dent (12:21) Mm-hmm.   Yeah.   Mark Rasmussen (12:48) whether the patient wants to go monthly or annual, like you said, you were doing annual and a lot of the practices that I run into have historically been doing it annually, right? Because to think about billing it on a monthly basis has you like pulling your hair out. But the reality is that the patients and the consumers in the world that we live in, ⁓ everybody looks at whatever they're gonna bring into their life, whether it's a Netflix subscription or it's a car payment or it's anything else, everybody kind of looks at at a monthly basis.   Kiera Dent (13:02) Too hard.   Mark Rasmussen (13:17) And so that is what you want to be delivering. And so with the Moolah platform, you can absolutely manage an in-house membership discount plan and offer both annual and monthly options and truly set it and forget it. Not have to think about it. The system's going to run. The system's going to automatically post that payment into the ledger. In open dental, we even go a step further where when you enroll the patient into the membership, not only are we handling the billing element of it,   But we're also going into the PMS and we're associating that patient to that membership discount plan and keeping track. You know, that's what's really doing all the heavy lifting of keeping track of whatever the one free cleaning of the 10 % off services. And we keep that in lockstep. So if there was like a billing issue, we automatically disassociate the patient from the plan to really just kind of make it pain free. you know, membership discount plans are phenomenal. It's a win win for patients and practice. First of all, it brings some really great reoccurring   Kiera Dent (13:51) Mm-hmm.   Mm-hmm.   Mark Rasmussen (14:14) like trackable revenue into the practice, right? Number two, it's bringing patients like butts in seats ⁓ as well. ⁓ Because the patient looks like, I'm paying $40 a month. I should use it. I should be in there. ⁓ And it's bringing value to the patient. So it's literally just a win-win all around. I really love that for, you know, when you're looking at out of network patients ⁓ and the absolutely, you know, the platform has it built in. So you guys, please, if you're looking at discount plans, memberships,   I encourage you to look at some of the other great vendors out there and then come take a look at us last and see like the value that you get that's included.   Kiera Dent (14:49) That's awesome. Yeah. And again, like there are so many great people out there that are doing it. I just feel, ⁓ when I heard that you guys were doing membership plans, I was like, well, it kind of makes sense because you're already processing credit cards. Like you're already doing the processing. So now something else that is doing a processing is in my processor, into my software, which I just, that was so incredibly clever. And, ⁓ like again, I had another client who, who scoped you against other companies and they were like, gosh, like there's no fees.   Mark Rasmussen (15:03) Great.   Kiera Dent (15:17) compared to other companies with moolah. So that was something I was really excited about. I'm big on just, it's like my insurance. I've been with State Farm forever. And Jason and I giggled, we're like, we need to go and actually like assess and make sure that we're truly getting the best plans. And so I just think like it's good to periodically go and assess and make sure our credit card fees, what they were when we set up.   our membership plans making sense? Is it time to look to possibly renegotiate some certain things? And again, I'm not here to propose one company over another. Like Mark said, do your homework, figure out what's best because there's so many great companies out there. I just really love when it's simple and easy. And that's something I love about you guys, Mark, you guys have the fact that we can send patient statements and like have payments online and they can pay it all times of the day. Like just that alone boosts offices, collections with Moulin. So Mark, I want to go into a dicey topic with you though.   because this one's hot. We had it in our in-person ⁓ doctor and leadership mastermind when we were in Arizona and I loved it. It was like a hot, hot topic and heads up like this might be awkward for you. I don't think it will because of who you are, but there's the question of, and it was hot, like the room was split of people who were pro and con. So the question is with credit card fees being as much as they were, we talked about at the beginning, like ways that we can reduce it.   Mark Rasmussen (16:10) Let's do it.   I know, I wanna hear what the feedback was, because I know where you're going.   Kiera Dent (16:40) Then we talked about reducing membership plans. Now there's a question of, should we actually charge patients the credit card fees? Like this is becoming really popular and I don't blame businesses because inflation's high, labor is higher. So now we're trying to figure out like where could we cut? And so people are like, well, sweet, we're just gonna pass on the credit card fees to our patients. And the room was spicy. There was like people that were so pro and people that like literally people were bristly and it was a...   Mark Rasmussen (17:05) Yeah.   Kiera Dent (17:06) It was quite interesting. So your credit card company, which is where I feel like it's a little awkward to ask you this question, but I want to know, we pro, are we con? Should we charge the patients from your perspective? We're in 2025. So many companies do this. Should people be charging patients the credit card fee? Should they just raise their fees and bake it in? Like, what are your thoughts on this? Because my room was 50 50 split. And I will tell you some of the feedback if you want to hear it, cause it was quite interesting.   Mark Rasmussen (17:13) Yeah.   Okay, okay.   I do. Okay, so the first   thing I want to point out is I expect you to say that the room is split, right? Like half of them are like, yeah, absolutely. You know, I'm not paying for my patients' reward points. And I think the other half of the room was like, yeah, but I'm worried about the optics. Does it look like we're trying to be cheesy or nickel and diming our patients, right? Those are the two ends that are battling each other. The interesting thing is that this hot topic, ⁓ if you would have asked that just three years ago,   Kiera Dent (17:38) Mm-hmm.   Mm-hmm. No.   Mark Rasmussen (18:01) it wouldn't have been 50 50. It   would have been like 80 90 % saying no way and 10 % made me do it. So the trend is is like it is going right and two or three years from now I have a feeling it's going to be like 80 % are doing it and 20 % are not doing it. So the cat is out of the bag. Let's just get that you know right out there in the open. What do I think about it? I'm to be super Switzerland about this and I'm going to say that I think   Kiera Dent (18:06) Agreed. 100 % agree.   I would agree with you.   Remember he's   a credit card processing company.   Mark Rasmussen (18:31) Well,   no, I'm going to say that I think that as a vendor who delivers credit card processing service, I think that I should enable our practices to make that choice for themselves. I think whatever you think you should do for your practice, I want to support it. So if you don't want to do surcharging, great, we love that. If you do want to do surcharging, great, I love that. I just want to give the tools to the practice so they can make that decision. Now, aside what I think about it,   It's a very interesting topic to talk about. Well, what is the net result? I like, all right, how does it work? What does it save? Let's get into it if I may. Okay, so there's a couple ways. There is absolutely there. There is, and there's a couple flavors to this. There's a couple flavors to this. ⁓ there, the, the, what that we do, let me talk about that first. So what we do is what's referred to as compliance surcharging and with compliance surcharging, what is, what you're doing is that   Kiera Dent (19:06) I agree. Cause like, are there rules around it? Like, you actually have to do anything? Okay. I have no idea. Okay.   Mark Rasmussen (19:28) When a customer's paying you with a credit card, the system, system, I'll just speak to our system, most others are similar, but when a patient is paying you, whether it's in practice on the device or whether you sent a text to pay or it's an online payment, our system automatically, real time, looks at the number that the patient put in or used on the terminal. And within a half a second, we're looking back at the credit card network before we even charge it, and we say, is this a credit or is this a debit? If the patient is paying with a credit card,   We then pop on the screen, either on their mobile device or on the terminal, we say, hey, we see you're using a credit card. We're going to add 2.99 % as a fee to you for using a credit card. If you want to use a debit card, you will avoid that fee. So in Compliance Surcharging, what I really like about that is that you're not charging us fee across debit and credit, right? You're still giving your patient the convenience of being able to pay with plastic.   Kiera Dent (20:19) Mm-hmm. Mm-hmm.   Mark Rasmussen (20:25) and still use a debit card because the reality is if you have a credit card in your wallet, there's probably 99 % chance you've got a Visa debit card in your wallet as well. And so you're not pulling away that convenience of them being able to pay plastic and just saying, hey, if you want to avoid that fee, pay cash or check. That's kind of archaic. So with compliance surcharging, you are going to offload your credit card fees to the patient, only the credit card fees. When they pay with a debit card, you will still pay for that, okay?   Kiera Dent (20:43) I agree.   Mark Rasmussen (20:55) With doing that with Moolah, if you're going to pay the debit fee and not pay the credit card fee, we see that the overall net effective rate for the practice ends up being below 1%. It ends up being like, I'm going to throw out a weird term that people are going, what the heck is that? It's usually going to be around 75 or 80 basis points. About three quarters of 1 % is going to be your net overall cost, which is huge savings, right? Huge savings.   Kiera Dent (21:07) No.   Crazy, like insane. Just do   some math. If you did a million dollars and you were able to basically save, gosh, so much.   Mark Rasmussen (21:28) No, let's just say,   the reality is you're probably saving one and a half percent. So on a million dollar practice, that practice is gonna put about $15,000 back to their bottom line. Like, and that's it, and it was painless. And you're still not really, yeah, exactly.   Kiera Dent (21:37) Exactly.   And that's also for payments you're already collecting. Like this is already   money we're collecting, we just get to keep more of it rather than having the credit card processing fee.   Mark Rasmussen (21:47) Yes.   And it doesn't need to like, you know, break brain cells for you to try and figure it out. Like the system is going to automatically calculate it. We're going to organize it. ⁓ It's just, it's painless. We're handling it in the PMS correctly. listen, the savings cannot be ignored. Like we talked about the cats out of the bag. You're going to see more businesses across more different verticals. ⁓ And the reality is   We've all been around it for a long, long time, right? Who's been doing it forever? Gas stations, right? We've seen it on there. Cash credit, right? That's been there forever. And we're all used to it. And you also typically see a lot when you're dealing with like state or federal agencies, you ever gone on and make an online tax payment, they usually charge a fee there. So it's just now getting more, you know, ⁓ rolling out. Yeah.   Kiera Dent (22:40) Nail salons for the girls out there. We all know the   nail salons. They'll say like, it's a 3 % charge if you use credit card. I'm like, here's your cash. Like it's clever. They push us to what they want.   Mark Rasmussen (22:49) Yeah, yeah. Yeah, yeah.   So it is listen. So I, I believe in delivering the technology to our clients, I don't have an opinion one way or the other, whatever you feel is good. I will tell you though that I think a lot of practices, especially on the on the one half of the room that are like against it. I think what we're finding is that people are not pushing back as much as   you think they are because consumers are just getting used to it. And again, the fact that at least with our practices, you're still giving your patient the ability to have that convenience and pay with a debit card and not have the fee. If they were doing like the model where they call it, know, cash discount, where you're going to hit the debit card and you're going to hit the credit card, I think you get more pushback on that, but you're still giving that convenience. So yeah, I'm a fan of it. We get, like I said, more and more requests of it. ⁓   It's not going anywhere. yeah, we're here to support your practice. If you guys want to try it out, try it out and listen, here's the thing.   Kiera Dent (23:50) Yeah.   How does it work in practice   though? Like, so someone's standing in front of me at a terminal, I'm collecting money in person. How does this work? Because it's not gonna pop up on my like treatment plan that I just gave them or on my ledger. So how do I do that?   Mark Rasmussen (24:00) Yeah. Yeah. Yeah. Yeah.   It'll pop up on the terminal.   so first thing we do, we give the practices, ⁓ you know, some template messaging and they'll just want to put up something by the front desk. And it says something to the effect of that, you know, this office adds a surcharge when using a credit card, ⁓ not beyond, you know, what our costs are, right? This is not a money, additional money revenue is trying to like, you know, make arbitrage between costs and no, I'm only going to pass off. And so.   Kiera Dent (24:32) Great.   Mark Rasmussen (24:35) the patient is aware of it, they've seen it, and then when they go to use it on the terminal, if they're in practice, when they go to run the credit card, it will pop up on the screen and your team can just show it to the patient, they'll see it, that it's adding it because they're using the credit card. And it'll give them an option if they want to accept it or if they want to back out of it and try again with a debit card and avoid the fee, really easy.   Kiera Dent (24:58) Okay, that's actually really helpful. And now I have a question because I don't know this. How does this work? Because technically the practice is collecting more money, right? Like we are taking the fee plus the credit card fee. ⁓   Mark Rasmussen (25:10) Let's say it's $100 and let's just say we're   adding that surcharge so now it's $103. Okay? Yeah. Yeah.   Kiera Dent (25:14) Right, so that's $3 more per $100 transaction. But   does that impact them in tax? I would think no, because credit card companies still charging us the 3%. Like, how does this work? Are you following what I'm saying? how does this impact you?   Mark Rasmussen (25:26) Yeah, I do. So you   don't have anything else to like, you know, break your brain on that. Our system, first of all, will break out the surcharge in the reporting. Okay. So it's really clean. Furthermore, the addition, the $103, right, like the customer got charged, the patient got charged $103. But our system automatically calculates it, that you have a fee of 3 % and that you surcharge the patient 3%. So the practice is still just going to get the full $100.   Kiera Dent (25:36) Mm-hmm.   Mm-hmm.   Mark Rasmussen (25:56) It's as if they took a cash payment. So it's easy for them. They're not getting 10.99 at the $103, so to speak. It's just still truly only taking $100, which is great.   Kiera Dent (25:57) Gotcha. Okay.   Mm-hmm. ⁓   Yeah, because that's what   I was curious like, and like some things have sales tax. So didn't know like surcharges, do they get taxed differently or is it just like accepting cash, same thing for a practice? Okay. Now, so that's really helpful. And that helps me see on the ledger. So are you guys synced into the PMS for it to say, because like if my ledger says a hundred dollars, but I'm now doing 3 % surcharge on it.   Mark Rasmussen (26:18) Exactly, total amount, total amount, yeah.   Yes.   Kiera Dent (26:35) I'm going to be posting $103. How do I make sure that all of my ledgers match up?   Mark Rasmussen (26:40) So   we'll post $100 in the ledger, okay? And then we'll have a procedure code for the surcharge. And then we'll also have an offsetting so that it doesn't mess up your balance. So you can easily run reports based on the procedure code. I can see what my surcharge is, but it's not messing up and showing that, I took in $103 on this $100 transaction. So your ledger is gonna stay nice and clean.   and not be a nightmare, 100%.   Kiera Dent (27:10) Okay,   because that's I was like, Oh, great. Because there was another office that I heard about. And Mark, I'm just curious about your opinion on this. And then we're gonna get back to this like spicy and thanks for walking through this. There was another practice, I've literally never heard of this before. So I'm curious if you have or if you recommend or don't this practice. So let's say a patient, the total is $100, they pay the $100, the practice literally posted on the ledger.   Mark Rasmussen (27:28) Mm-hmm.   Kiera Dent (27:38) instead of being $100 because now they lost $3, they posted $97 on the ledger and they were taking out the surcharge. Have you ever heard of that? Because I had never heard it. I was, do you recommend that? Because I've never recommended that, right? And I think as a patient, I'd feel really angry though. no, I gave you 100 bucks, but you gave me 97. Like I would just.   Mark Rasmussen (27:48) I haven't.   That seems wonky. Yeah.   Right. Or   continue that on. How about now all of a sudden a week later you go to refund it and we're we're refunding you 97. You're like, no, no, no, I paid you 100. It's gonna be messed up in so many levels.   Kiera Dent (28:09) Right. I was just curious.   I was like, I mean, maybe I'm archaic on how I do this. I used to just do it that way and then accept that that would just be a cost on my PNL. But now there's a way for you to actually offset it with the process. So my question is going back to that, that's actually helpful. Thank you. So if you're doing that, definitely recommend not doing that anymore. ⁓ But I was like, Hey, I've never heard of this. Maybe that is the right way to do the accounting on it. But it felt very messy to me. Now,   Do we as the practice need to put in the surcharge as that procedure code when we're charging that out or does Moolah automatically sync it in and put the surcharge of the procedure code?   Mark Rasmussen (28:48) We have, yeah,   automatically done. There's nothing for you to do. Yeah. So during onboarding, we will set up, we will work with the practice, obviously. We'll make sure that we have a procedure code set up for them. And so during the onboarding, we'll have that so that when you do run a surcharge transaction like that, there's nothing you need to do. It'll all be handled in the ledger correctly.   Kiera Dent (28:51) Amazing. I love it. This is why I said I have a preference on you.   and you're in all softwares. What softwares does Moolah sink into?   Mark Rasmussen (29:10) Yes, so ⁓ Open Dental, ⁓ Dentrix, G7, and ⁓ newer server-based, not Ascend. And we're actually going to be ⁓ releasing, finally, this has been a long time coming, we're finally going live with Eagle Soft ⁓ Beta at end of next week. So Open Dental, Dentrix, and Eagle Soft. Yeah.   Kiera Dent (29:28) Awesome.   That's awesome. Okay, very cool. And   then if you're not in one of those and you can just obviously add this in, it wouldn't be automatically synced. And I think like of those ones though, huge win this way. Okay, now we'll go back to the spicy. I will tell you guys how the room was divided. The room was divided, I'll be right. The do it, don't do it. And then the like, there's a middle ground, which I thought the middle ground was kind of convenient. ⁓ There wasn't, but I did see people like it. I did feel like it was like,   Mark Rasmussen (29:45) Yes.   Was there any physical fighting going on? Okay.   Kiera Dent (30:00) like politics and religion status. Like it was like very cut through the room. I do agree with you. And that's what I said. I was like, you guys, this 2025, this is going to take place in the future and it will be very common. just, think our early adopters going to stay or not. It's your choice. Um, I've always been of the opinion like, no, just bake it into your fee. And now I'm like, well, everybody's starting to charge for it. Like, why not? Um, so it was don't charge for it now. Another was like, no, put it in. People are doing it anyway. And the middle ground, which I thought was   Mark Rasmussen (30:02) Right. Right, right, right.   Kiera Dent (30:30) of a good way to do it is in person. They didn't charge a fee, but any of their online statements, they did charge a fee because they said most people who pay online know there's usually a service fee associated with it. So I thought that was kind of a, an easy way. If you guys are looking for a navigation through it. ⁓ but I think like, honestly, it's just like anything else, train your patients if you want to, but don't feel like you have to, I think it'd just be something to consider. So, but again,   Like get the reduction, like if nothing else, like switch to a processor that's going to be reduced fees anyway. So even if you want to continue offering it, you're still saving on that. Mark, I have one last thing that I wanted to dive into. I'm hearing from a lot of like integrated softwares. So like dental Intel and Flex and some of these other ones that literally make practice lives easier. They're having processors in there that are just integrated right into that. They're using it all the time.   Mark Rasmussen (31:20) Yeah.   Kiera Dent (31:25) How does Moolah play in those worlds? Like, do you get the same pricing? Do we not get the same pricing? Are some of those better because they're already bundled in? Again, I'm putting you on like really awkward topics, but I just want to know. I want to know how does this work.   Mark Rasmussen (31:35) No, no, not at all. So listen, you mentioned Flex. We   love Flex, okay? I love Flex, not just because, yes, they're a partner of ours, right? And yes, your Mool account works beautifully and integrated with Flex. But I love Flex just because I think they're like cut from the same cloth that we are. Like we just, at the end of the day, we want to over-deliver, right? We want to over-deliver, whether it's technology, whether it's value, and they have that mindset. And so I love the Flex team. Full disclosure.   ⁓ And so we've been an integrated partner with Flex for, gosh now, I think three years. So yeah, I think they deliver a ton of value to any open dental practice. So anybody out there for sure should check out Flex. They are amazing. Dental Intel. So we used to be, ⁓ not to bore the audience, but like we used to have an integration with Modento and then Dental Intel acquired Modento.   Kiera Dent (32:33) Yep.   Mark Rasmussen (32:33) and   then Dental Intel wanted to roll up their own integrated credit card processing. And so they have now. so, listen, ⁓ we wish Dental Intel the best, wish them well, but yeah, we're no longer integrated with Dental Intel, but yeah, Flex, we love Flex.   Kiera Dent (32:49) Okay, because I was just curious. Now, I feel if it's bundled, is this a time where offices should just be strategic? I'm not saying anyone's doing it. I haven't looked at it. So I'm not here to like cast judge or I just want to make sure offices are being smart. I would think when they're bundled or they're integrated, offices should still check even using MULA. They should still be watching their credit card statements every single month, right? Like no matter what, just to always make sure things are staying clean and also before we sign up with anybody.   Mark Rasmussen (33:08) Mm-hmm.   100%.   Kiera Dent (33:19) Like literally read the fine print and look for it. Yes. No. I from like, let's just go all the way back.   Mark Rasmussen (33:23) Yeah.   And I would always say that, you know, let's just take the Flex example. Flex has, you and I won't name anything, I'll let you guys out there, you go check it out to yourself, but there are three options. I encourage you, especially when we're talking about a vendor that you're looking at, and especially when this vendor that you're looking at revolves around your cashflow, right? Like it's a pretty integral part of a vendor that you're bringing into your ecosystem. call them, talk to them.   Kiera Dent (33:46) Mm-hmm.   Mark Rasmussen (33:54) Call in the middle of the day. Do they pick up the phone? Do they answer? Can you talk to somebody very easily? Like really pop the hood and take a look at who you're going to get in and do business with, especially when it's, you know, that vendor is like controlling your cash flow on a daily basis. So yes, please you guys out there, do your homework, look at the agreements, ask questions, and see what's right for you. Yeah.   Kiera Dent (34:10) Yeah.   That's awesome. just, again,   I wanted to like go into it because these are things I'm hearing. I'm hearing people say like, this seamlessly integrates. I know you seamlessly integrate. I know you guys are constantly working to refine, to get into more and more practice management softwares to make it easier. Just Mark, as we wrap up, like this has been fun. I love the like, thanks for going into some of the spices with me. ⁓ But just as a quick rundown, like what are some of the features that Moola does? We talked about the membership plans. We did talk about that Dental A Team clients get 10 % basis points less for card present or card not present.   Mark Rasmussen (34:33) Always is.   Yep.   Kiera Dent (34:47) Which to me that alone, I would just look into it and see, like I said, two clients literally saved money by like dumping their contracts and moving over, which I think to me, like before I can have a crush on a company, I test them pretty heavily. So to see the proof in the pudding, I was so just elated and it made me even like you guys more. But what else does Moola do? Because I know you guys do a lot of other things that just make life easy.   Mark Rasmussen (35:05) I love that. yeah, yeah. So   at the end of the day, we do a lot, but it's all payment related and will always be payment related, right? So we're focused on being like, we try to be like the end all be all payment solution for dentists. And so when you look at like, what does a dental office need from a payment perspective, ⁓ it's in practice payments, right? So we provide you guys the physical devices. So   No more having to buy rent or lease those terminals. We're going to include them. you know, not only, yeah, they're wireless. Yeah, they're really cool. Aesthetically, they look really good. Yeah. And, and here's the other great part too, that I think it's kind of underrated ⁓ is of course, not only did we include them. the practice didn't need to buy them, but like normally, you know, with our peers, you have to buy these devices and then you buy them and then it's like one year warranty, right? And then like Murphy's law always kicks in.   Kiera Dent (35:37) They're awesome too. They're portable. They can go back to the hygiene operatories. It's amazing. So your hygienist can take it. Like they're awesome. It's so great.   Mark Rasmussen (36:01) like it loves to do. like, okay, month 14, the device just, you know, went out on you. And then you're gonna sorry, you got to buy another five $600 device with mula you guys will literally never have hardware expense ever because we give them to you on the front end. And we will warranty them forever. As long as you're with us. I don't care four or five, six years. If there's new devices that come out and your guys age out, we're going to replace them. Even if you drop it off the counter and crack the screen.   We don't care, we're gonna replace it for you. There's no fear or premium. So, in practice payments, we have you covered there from a technology standpoint as well as a hardware standpoint. Moving on, there's also, have the ability to, like you were talking about earlier, store patient cards securely tokenized. Nothing's ever touching the practices servers. It's all on our servers, but it's giving you the convenience of having those stored cards for the patient. You can have as many stored cards as you want. You can even send a request to the patient.   before their appointment and the patient from easily from home from their mobile device could add their credit card. And so when they come in, it's already stored and it's available to use. So stored cards, yeah, yeah, yeah.   Kiera Dent (37:07) With that, can I ask, do you guys have   the compliance paperwork? Is there anything you have to do to get a patient to have a stored credit card that we can run for future payments? once insurance pays, because I know that's a big thing of storing cards on file, do you have anything with that? Because I know that this is a zone.   Mark Rasmussen (37:23) Yep. What I...   Yeah, no. So it's very obvious as far as the process of the patient adding the card. Like when you send the message, it says, hey, would you like to securely store your card on file? Right? Beyond that, what I've seen some practices do is just they'll just include it in their overall like new patient intake forms and kind of include it in their terms of service of that. Hey, listen, if you want to store a card on file with us, you can. And you allow, once you store a card, you're giving us the authorization to utilize that card.   Kiera Dent (37:35) Mm-hmm.   Mark Rasmussen (37:51) for other future balances. As simple as that, that's all you need to do.   Kiera Dent (37:54) which is so smart you   guys think about it. This is where so many other industries do this. They have a card on file. I mean, I go to the spa, my cards on file, they run that card when I'm gone, like I authorize it to happen. So they never out of money. They're never chasing money down. Like it just to me makes so much more sense of a way to process.   Mark Rasmussen (38:12) Can you imagine if   Netflix or all the other subscriptions, if they had to wait for a payment every month and wait, come on, no. Subscription is the way, 100%. So, okay, so store card on file they get. The other thing they get is the ability to create and manage in-house payment plans. And of course, automatically post those payments to the ledger. We have some great things where if the payment fails, right? They're into the plan for three months and all of sudden the July payment fails.   Kiera Dent (38:18) No. No.   Yeah.   Mark Rasmussen (38:41) our system will automatically notify the practice, notify the patient, and what's cool is that the software will allow the patient to self-administer and fix it. So the software is not telling the patient, your card failed, call the front desk. No, we're gonna save a phone call there. The software will allow the patient to tell the software, okay, either A, try to charge that card again, or B, they can actually upload a new card on file.   So the cool stat on that is that in failed transactions in our payment plans, we see patients solving it between themselves and software within the first 24 hours at a rate of over 80%, which is huge. So payment plans, and then we talked about earlier, you also get the ability to manage any of your in-house membership or discount plans. ⁓ We have the collecting on a balance when the patient is out of practice, ⁓ sending a payment request either   Kiera Dent (39:20) Holy cow, it's amazing.   Mark Rasmussen (39:37) allocated or unallocated payment request can attach a statement. ⁓ We also have the ability to host a payment page on their website. So if you want to put a little navigation, click here to make an online after hours payment, we'll host that page for the practice. ⁓ So yeah, we really kind of just looked at it a full circle of like, where are all the payment touch points that our practice is dealing with, and just trying to deliver these really amazing tools. And again, as you know, our model.   ⁓ There's never any monthly fees. There's never any set up fees. There's never any annual fees ⁓ All there are these two simple flat rates and again, you can cancel it anytime you want never locked in anything   Kiera Dent (40:18) That's awesome. Mark, I appreciate this so much. How do people, like know they just connect with you, schedule a demo. You guys will look at their credit card processing, see how you guys can fix it. How do they connect with you specifically if they're interested? And specifically The Dental A Team, The Dental A Team, perks.   Mark Rasmussen (40:33) I would recommend and maybe we can list this in the podcast, but there will be a specific Moolah URL. It's like forward slash The Dental A Team They should go there and then they can schedule a demo. And then if they go there, then we're going to know it came from you guys. That way we can get them that 10 basis point savings forever. So just schedule a demo with us and no pressure. We're like the most like   the least salesy organization I think that you guys will ever run into. All we wanna do is inform you. We wanna show you what we have. We're not for everybody. ⁓ But assuming that you guys love what you see, we encourage you to try us out and check us out and see if we're gonna be a great fit for your practice.   Kiera Dent (41:13) Yeah, for sure. You guys, honestly, I love Moolah They're incredible. So on our website, we will link it. So the way you get to Moolah, it's on our website, TheDentalATeam.com. And then you can click on the About Partnerships Mulas right there. ⁓ And the actual, like if you guys want our direct link here, it would be TheDentalATeam.com slash partnerships slash Moolah. And that should take you right to Moolah's page. It's also mula.cc slash partners.   So that helps you guys will also link that in the show notes mark. I appreciate you guys so much Things are being on the podcast things are going through the spicy with me. I appreciate you so much   Mark Rasmussen (41:52) Any time, love you guys, you guys are the best and ⁓ have a great rest of day.   Kiera Dent (41:58) Hey, you too, for all of you listening. Thanks for listening and we'll catch you next time on The Dental A Team Podcast.  

Welcome to the Art of Value Whispering podcast   Today, I unpack a question someone recently asked me: “Does building a quietly impactful business mean it's going to take longer to succeed?” ‍ It's a valid concern. But the truth is, it's usually faster! When you build a business that's deeply aligned with your values, your voice, and your vision, you actually grow faster—because there's less resistance at every level. ‍ Join me in this episode to learn why understanding your true value is the foundation for meaningful marketing—and how embracing your introverted strengths can actually help you grow your business quicker and more sustainably. ‍‍ “Nothing attracts clients faster than a message that hits home.” - Melitta Campbell In this Week's Episode... ‍ You will discover: ‍‍ Why quiet impact isn't slow: it's strategic, and results in joyful and sustainable growth. The role of true value in attracting your dream clients. Why burnout happens when your business lacks meaning How to stop pushing and start resonating through aligned marketing. ‍ The kaleidoscope effect of messaging that truly reflects your experience and purpose. ‍ ‍ “When you're clear on your true value and dream client, your content doesn't just reach people—it deeply resonates with the right ones.” - Melitta Campbell ‍ If you're ready to take control of your habits and make real progress in your business this year: Download your Introvert's Business Growth Playbook here. Check out Melitta's Value Whispering Blueprint Program at valuewhispering.com. Join the conversation in the Dream Clients Club here and share your biggest challenges in taking action! ‍ ‍ Ready to add more meaning and impact to your marketing? To learn more about working with Melitta and her signature Value Whispering Blueprint programme, book a complementary call with Melitta here: https//valuewhispering.com ‍ ‍ About Melitta Melitta Campbell, also known as The Value Whisperer, is an award-winning business coach, TEDx speaker, best-selling author of 'A Shy Girl's Guide to Networking' and podcast host.  Melitta is passionate about helping introverted experts, and service business owners who prefer meaningful and impactful marketing, over loud and pushy strategies, to confidently build and grow a business that matters, through her award-winning Value Whispering Blueprint programme. ‍ She teaches her clients a unique approach to business growth: The art of Value Whispering. It's a a quieter, smarter way to market your small business, that weaves your true value through everything you do, so you can naturally stand out, attract your dream clients, and have an impact you feel proud of - without ever feeling fake or pushy.  ‍ Her expertise comes from three decades of communication, marketing and leadership experience, including more than a decade of running her own businesses. As a certified mindset coach, she also coaches her clients on the inner-game of success, as well as the practicalities of growing a thriving small business and maintaining a balanced lifestyle. ‍ Melitta is also the best-selling author of A Shy Girl's Guide to Networking, host of the popular: The Art of Value Whispering podcast and an in-demand speaker, appearing on stages and screens internationally, most recently on the TEDx stage. ‍ Originally from the UK, she now supports her global client base from her home in Switzerland, where she lives with her husband, two daughters and fluffy pup. You can learn more about Melitta's story here.   Connect with Melitta Website        Facebook        Linkedin         Twitter         YouTube     Watch my TEDx Talk: An Introvert's Guide to Having Quiet Impact ‍ Join the Dream Clients Club Come and join like-minded women in the FREE online community for Female Entrepreneurs. You can expect many more tips, tools and insights to support you as you build and grow your business to 6 figures and beyond! > Join the Dream Clients Club (free) ‍ You May Also Enjoy... Why Less is More: The Power of Focusing on Your Ideal Clients Developing Your Leadership Voice and Presence 5 Tips to Help Your Business Visibility Spotlight Episode:  How to Sell with Quiet Confidence Building Your Marketing Confidence ‍ > More Podcast Episodes ‍

Christoph is the CEO of IWC Schaffhausen, where he blends creative design sensibility with strategic leadership to steer one of Switzerland's premier luxury watchmakers. Originally from Germany, he studied interior design in England and Switzerland before first collaborating with IWC in 2006 to design its museum. As CEO, Christophe has focused on honoring IWC's heritage while driving innovation and sustainability, and he has overseen the brand's growing digital presence. His tenure has seen significant achievements, including IWC winning the prestigious “Aiguille d'Or” at the 2024 Grand Prix d'Horlogerie de Genève. Outside the world of watchmaking, Christoph is passionate about cycling and architecture—interests that reflect the same precision and design ethos central to IWC's philosophy.  On this episode, Mo dives into an honest and thought-provoking conversation with Christoph, exploring where he envisions taking IWC next, what challenges weigh on his mind, and whether he feels truly fulfilled at this point in his life. Presented ByKAFD App https://apple.co/4e9BdU0Website https://bit.ly/3YktQUIInstagram https://bit.ly/3YFpWGnX https://bit.ly/3LMJOziLinkedIn https://bit.ly/3A0b2QJ   Saudia Website https://bit.ly/495n6fBInstagram https://bit.ly/3UgTTdAX https://bit.ly/4beIQY8   Whoophttps://join.whoop.com/gb/en/moshow/  NoonInstagram https://bit.ly/3XRScUYWebsite https://bit.ly/44lnA1S Whoop https://join.whoop.com/gb/en/moshow/   Pizza Hut JeddahInstagram https://bit.ly/3T87mjtWebsite http://bit.ly/3UtnkWq   Tim HortonsInstagram https://bit.ly/3UQDk6uX http://bit.ly/3AgbAPiWebsite http://bit.ly/3LgUres  IWCInstagram https://bit.ly/44dxbFWWebsite https://bit.ly/43K8JMk  CreditsChristoph Grainger-Herr | GuestMo Islam | Host FounderRyan Ismail | COOFaisal Nejaim | Show ManagerGregoris Kalai | Head of StrategyTito | Creative DirectorYoussef Hamieh | Production ManagerPowered by "STUCK?" | Translation

Mental health roles in international schools are often misunderstood—or completely overlooked—when therapists consider a career abroad. In this episode, I chat with Jen Kantor about her journey from working as a school-based therapist in Seattle to supporting students at international schools in Brazil and now Switzerland.Jen walks us through how she found her roles, what day-to-day life looks like in this setting, and how it differs from traditional therapy work. We also talk about licensing limitations, and what to expect from the international school environment—especially when it comes to boundaries. If you've ever been curious about what mental health support looks like inside an international school, you're going to love this conversation.In This Episode, We Explore…Jen's journey from working in Seattle to supporting students internationallyThe difference between her roles in Brazil and Switzerland—and how her work shifted over timeHow she navigates working without a local license while still offering therapeutic supportWhat it's like to live on a boarding school campus with her familyTips on navigating the job search and recruitment process for international school rolesConnect with Jen:Email - jenakantor@gmail.comInternational School Services - https://www.iss.edu/_____________________Are you ready to take the plunge and become a Traveling Therapist? Whether you want to be a full-time digital nomad or just want the flexibility to bring your practice with you while you travel a couple of times a year, the Portable Practice Method will give you the framework to be protected! ➡️ JOIN NOW: www.portablepracticemethod.com/_____________________Connect with me: Instagram: @thetravelingtherapist_kym The Traveling Therapist Facebook Group: www.facebook.com/groups/onlineandtraveling/ The Traveling Therapist Website & Offers:www.thetravelingtherapist.com _____________________ Sponsored by Berries: Say goodbye to the burden of mental health notes with automated note and treatment plan creation! https://heyberries.com/therapists Sponsored by Alma: Alma is on a mission to simplify access to mental health care by focusing first and foremost on supporting clinicians. https://helloalma.com/kym

Our journey through the Reformation continues as we take a closer look at Switzerland and it's unique situation to influence history in general and the Reformation in particular.#Zwingli #elvisfanclub

It's Tuesday, May 27th, A.D. 2025. This is The Worldview in 5 Minutes heard on 125 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Kevin Swanson Trump delegation investigates violations of free speech in U.K. The Trump administration has sent a delegation  to investigate the violations of free speech in the United Kingdom. They met with five people who have been arrested, and even convicted, of praying silently near abortion mills in Glasgow, Scotland as well as Birmingham and Bournemouth, England. At issue is the U.K.'s equating protesting near abortion clinics with silent prayer, and the government's antipathy towards pro-lifers expressing their opinions about killing children.  Only 39% of Americans “extremely proud” of citizenship Are Americans losing a sense of patriotism?  A 2023 Gallup Survey found only 39% of Americans are “Extremely Proud” of their citizenship status.  And a Wall Street Journal/National Opinion Research Center survey found the percentage of Americans who considered patriotism “very important” has dropped from 70% in 1998 to 38% in 2023.  Keep in mind Isaiah 40:5-7. It says, “Behold, the nations are as a drop in a bucket, and are counted as the small dust on the scales; look, [the Lord] lifts up the isles as a very little thing. And Lebanon is not sufficient to burn, nor its beasts sufficient for a burnt offering. All nations before Him are as nothing, and they are counted by Him less than nothing and worthless.” Russia launched largest aerial attack on Ukraine since war's start Russia launched  298 drones and 69 missiles on Kiev over the weekend, reports the Associated Press. It was the largest aerial attack on the capital of Ukraine since the beginning of the 3-year war. Altogether, Russia sent 900 drones into Ukraine over the weekend. President Trump responded on his Truth Social account calling Putin “absolutely crazy,” reports The Financial Times. TRUMP: “I'm not happy with what [Russian President Vladimir] Putin is doing. He's killing a lot of people. I don't know what happened to Putin. I've known him a long time. Always gotten along with him, but he's sending rockets into cities and killing people, and I don't like it at all. Okay? We're in the middle of talking, and he's shooting rockets into Kiev and other cities. I don't like it at all.” And Trump warned that any attempt on the part of Russia to take all of Ukraine would "lead to the downfall of Russia.”  Trump's “Big Beautiful Bill” goes to the Senate As The Worldview reported on Friday, Trump's “Big, Beautiful Bill” passed the House of Representatives by a single vote on Thursday.   The major highlights of the bill include tax cuts, the elimination of $700 million of Planned Parenthood funding, a national private school dollar-for-dollar tax credit to scholarship donors, and an expanded child tax credit. If you have not yet called your two Senators, call them TODAY at 202-224-3121 and ask them to DEFUND Planned Parenthood. We can expect maybe even a bigger fight in the Senate over the spending bill. Republican Senators are split on the bill.  Senator Josh Hawley of Missouri does not want to cut Medicaid spending.  And Senator Rand Paul of Kentucky described the spending cuts this way.  PAUL: “I support spending cuts. I think the cuts currently in the bill are wimpy and anemic.” Texas legislature passed Ten Commandments bill on Sabbath The Texas legislature has approved a bill requiring the posting of the Ten Commandments in public schools throughout the state come September. Ironically, they passed the bill on the Sabbath, breaking the fourth commandment! The bill heads back to the Senate, after which Texas Republican Governor Greg Abbott is expected to sign it into law. A similar law, enacted recently in Louisiana, is hung up in a federal court. Oregon has more elderly than children The state of Oregon's demographics are not doing well. The state now has more elderly over 65 years of age than children under 18 years of age, presenting a demographic challenge, reports The Oregonian.  In 1985, there were twice as many children as elderly. At this rate, in 10 more years, Oregon will have 40% more seniors than children.   The state holds the position as the eighth worst demographic in the nation. The other states are located on the eastern seaboard. Oregon was the first state to legalize physician-assisted suicide. That was in 1994. Here is what God says in Deuteronomy 30:19. “I call Heaven and Earth as witnesses today against you, that I have set before you life and death, blessing and cursing; therefore choose life, that both you and your descendants may live.” 500,000 new homes are on the market The U.S. construction industry should beware!   Inventory of new homes has reached 2007 levels — now 500,000 on the market, up from 150,000 homes in 2012. America is most generous nation America is the most generous nation in the world, by a long shot.   That's the conclusion in the most recent Global Philanthropy Report produced by the Lilly Foundation.    The US is the highest charitable contributor to other nations, by percentage of gross national income. With a total of $50 billion of philanthropic outflow, Americans contribute 70% of the world's philanthropic outflow to other nations, whereas it only makes up 4% of the world's population. Other generous nations included the UK, Germany, Canada, Switzerland, France, Netherlands, Australia, and South Korea.  The late Phil Robertson of Duck Dynasty proclaimed Jesus And finally, Phil Robertson of Duck Dynasty fame has died at the age of 79. His family announced Sunday that he has gone to be with the Lord.  Willie and Korie Robertson Instagrammed that “He reminded us often of the words of Paul.  ‘You do not grieve like those who have no hope. For we believe that Jesus died and rose again, and so we believe that God will bring with Jesus those who have fallen asleep in Him.'” Phil said, “When I die, don't cry. Sing. Dance. But don't cry when I die.  When I die, you say, ‘He made it!'” His son and daughter-in-law spoke of the lives who “have been impacted by his life saved by grace, his bold faith, and by his desire to tell everyone who would listen the Good News of Jesus.” Listen to Phil share his love of evangelism in this excerpt from his Unashamed podcast. PHIL: “It's been the most exciting one thing I've ever done in my life.” WILLIE: “What?” PHIL: “To see people go from lost to saved.” WILLIE:  “Oh, that's right!” PHIL: “It's the most exciting thing I've ever done in my life is being a part of that. The guy that ordered the duck call. That's all he wanted was a duck call. And in the midst of that, he cursed God. ‘G.D. this and G.D. that.'  Before we hung up, he said, ‘You got my duck call coming?' I said, ‘Yeah, I got it coming.' “I said, ‘By the way, why do you keep cursing the only One that could save you from death?' It was silence.  He said, ‘Hey, send me my duck call.'  (Dial tone. He hung up). “Well, about 10 minutes went by and the phone rang. He said, ‘Hey, it's me again. You know what? I never thought about that.' I said, ‘Well, you're cursing Him. Unless He can get you out of here alive, I don't know no one else that could. You know what you ought to do. You ought to come over here and I'll tell you about the One you're cursing. You may change your mind.' He said, ‘I might do that.' I said, ‘Well, you ought to.'  Well a week goes by, knock on the door, he steps in the door, and he said, ‘I'm the one that was cursing God. And you told me you're going to show me why I shouldn't.' “So, I told him about Jesus. He was converted. About 15 or 20 years later, I ran into him, and he was one of the leaders at that church where I was speaking. So, you never know.” The Duck Dynasty reality program aired on A&E between 2012 and 2017. At its peak, the reality program reached 10 million viewers.  Sadly, the network pulled the program after Phil Robertson referred to homosexual behavior as “sinful.”  Watch the trailer for the movie about Phil called The Blind and rent the movie itself here. Close And that's The Worldview on this Tuesday, May 27th, in the year of our Lord 2025. Subscribe for free by Spotify, Amazon Music or by iTunes or email to our unique Christian newscast at www.TheWorldview.com. Or get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

This week I read Chapter 10 from 'Friday Barnes 12, Collision Course'. Friday rushes to Switzerland to help her mother who has been arrested, but she ends up getting arrested herself.Support the show at https://www.buymeacoffee.com/storiesraspratt If you enjoyed the podcast please like, review and/or subscribe!Support the showFor merchandise use this link... https://www.cafepress.com.au/shop/rasprattTo buy one of my books use this link... https://amzn.to/3sE3Ki2 To buy me a coffee use this link... https://buymeacoffee.com/storiesraspratt To book a ticket to a live show use this link... https://raspratt.com/live-shows/

Send us a textIn biopharmaceutical manufacturing, endotoxins represent a silent but deadly threat – bacterial fragments capable of triggering severe immune responses at picogram levels, potentially leading to septic shock, organ failure, or even death in patients.In this eye-opening first episode, we speak with Anika Hoffmann, a postdoctoral researcher in analytical chemistry at HES-SO Valais-Wallis, Switzerland, who's challenging the decades-old status quo of endotoxin testing. For nearly 50 years, the industry has relied on horseshoe crab blood (LAL assay) despite its significant limitations and sustainability concerns.Anika reveals the troubling truth about traditional testing methods:The LAL reliability problem: With acceptable recovery rates ranging from 50-200% and high variability, can we truly trust our current methods?The "low endotoxin recovery" phenomenon: How common pharmaceutical ingredients can mask dangerous endotoxins, creating false negativesThe horseshoe crab sustainability crisis: Rising testing demand threatens declining horseshoe crab populationsMost importantly, Anika introduces her groundbreaking alternative: a chemical analytical method targeting KDO, a unique sugar molecule present in all endotoxins. This approach eliminates reliance on enzymes or animal products while providing more consistent results across different pharmaceutical formulations.With regulatory limits as strict as 0.25 EU/mL for water for injection, reliable detection isn't just a quality issue – it's a patient safety imperative. If you're developing biologics, managing bioprocess quality, or navigating regulatory compliance, this episode reveals why rethinking endotoxin testing could be your most important decision.Listen to Part 1 to discover why smarter endotoxin testing is possible without relying on horseshoe crab blood, and stay tuned for Part 2 where we'll explore the practical implementation of this revolutionary approach.Connect with Anika Hoffmann:LinkedIn: www.linkedin.com/in/anika-hoffmann-652ab0196/Email: anika.hoffmann@hevs.chNext step:Book a free consultation to help you get started on any questions you may have about bioprocessing analytics: https://bruehlmann-consulting.com/callDevelop bioprocessing technologies better, faster, at a fraction of the cost with our 1:1 Strategy Call: The quickest and easiest way to excel biotech technology development. Book your call at www.bruehlmann-consulting.com/call/

This episode captures the spirit of my set at the vibrant Funkeltanz Day Party in Zurich — a beautiful day filled with rhythm, sunshine, and unforgettable energy. Massive thanks to everyone who showed up, danced, and vibed with me. This mix is for you — a musical memento to relive the moments we shared. Featuring sounds from Rema, The Weeknd, Sade, Moojo, FNX Omar, Riva Starr, and more — plus special selections close to home and heart:

Fans were treated to a thrilling 3-3 draw between the Philadelphia Union and Inter Miami, with the Union blowing a two-goal lead and conceding the equalizing goal in stoppage time once again. Todd discusses the latest news, including Quinn Sullivan's inclusion in the USMNT's 27-player roster for training camp ahead of the June matches against Turkey and Switzerland. He also shares his thoughts on the game against Miami, covering topics such as dropping points in stoppage time, containing Messi and Suárez, Tai Baribo's form, and the Union reaching 30 points in 15 games. Todd also highlights the Blunder of the Week, which goes to San Diego and LA Galaxy fans for fighting. News: The United States Men's National Team released their 27-player roster for training camp ahead of June matches against Turkey and Switzerland, with Quinn Sullivan being called up for his first-ever training camp with the full National Team: [6:47] Philadelphia Union v Inter Miami: Overall stats from the game: [18:20] Dropping Points In Stoppage Time: [32:14] Containing Messi and Suarez: [42:09] Tai Baribo Form: [46:52] Blunder of The Week: San Diego FC and LA Galaxy fans fighting after the match inside the stadium: [54:20]   Social Media: Twitter: @FreeKickPod Instagram: @FreeKickPod Facebook: @FreeKickPod YouTube: The Free Kick https://thefreekick.substack.com/ How Philadelphia Union set the standard for youth development

This week, the boys pull up their dacks, lace up their blunnies, pull over their cardies, eat a bikkie, grab a tinny, and lob in for the Ridgy Didge himself, Baz Luhrmann's first feature film, “Strictly Ballroom”. This isn't any ear bashing- we loved it! It made us three happy little Vegemites. After Jeff gives a quick mini-review of “Mission: Impossible— The Final Reckoning”, our native Aussie and gutless wonder, Dave, knackered from a good hissy at his lappy, guides us through this absolute hooley dooley. Don't be a drongo- grab a coldie and listen- you'll be doing the bogo pogo in a jiff!  Our phone number is 646-484-9298. It accepts texts or voice messages.  0:00 Intro; 6:27 Jeff's mini-review of Mission: Impossible — The Final Reckoning; 11:29 Gripes; 15:01 1992 Year in Review; 39:02 Films of 1992: Strictly Ballroom; 1:21:26 What You Been Watching?; 1:28:53 Next Episode Teaser Additional Cast/Crew: Paul Mercurio, Tara Morice, Craig Pearce, Bill Hunter, Pat Thompson, Gia Carides, Peter Whitford, Barry Otto, Sonia Kruger, Tom Cruise, Hayley Atwell, Simon Pegg, Ving Rhames, Pom Klementieff, Esai Morales, Holt McCalleny, Janet McTeer, Nick Offerman, Shea Whigham, Tramell Tillman, Angela Bassett, Mark Gatiss, Rolf Saxon, Greg Tarzan Davis. Hosts: Dave Green, Jeff Ostermueller, John Say Edited & Produced by Dave Green. Beer Sponsor: Carlos Barrozo Music Sponsor: Dasein Dasein on Spotify: https://open.spotify.com/artist/77H3GPgYigeKNlZKGx11KZ 
Dasein on Apple Music: https://music.apple.com/us/artist/dasein/1637517407 Additional Tags: Mission: Impossible, submarine, nuclear weapons, Top Gun: Maverick, Ben Mendelsohn, French Accents, The Monuments Men, George Clooney, The Stock Market Crash, Bear Market, Trains, Locomotions, Museums, Fuhrermuseum, Nazis, WWII movies, WWI Shows, Plastic ExplosivesThe Crusades, Swedish Art, Knights, Death, MGM, Amazon Prime, Marvel, Sony, Wicked, All Quiet on the Western Front, Wicked, Conclave, Here, Venom: The Last Dance, Casablanca, The Wizard of Oz, Oscars, Academy Awards, BFI, BAFTA, BAFTAS, British Cinema. England, Vienna, Leopoldstadt, The Golden Globes, Past Lives, Monarch: Legacy of Monsters, The Holiday, Sunset Boulevard, Napoleon, Ferrari, Beer, Scotch, Travis Scott, U2, Apple, Apple Podcasts, Switzerland, West Side Story, Wikipedia, Adelaide, Australia, Queensland, New South Wales, Melbourne, Indonesia, Java, Jakarta, Bali, Guinea, The British, England, The SEC, Ronald Reagan, Stock Buybacks, Marvel, MCU, DCEU, Film, Movies, Southeast Asia, The Phillippines, Vietnam, America, The US, Academy Awards, WGA Strike, SAG-AFTRA, SAG Strike, Peter Weir, Jidaigeki, chambara movies, sword fight, samurai, ronin, Meiji Restoration, plague, HBO Max, Amazon Prime, casket maker, Seven Samurai, Roshomon, Sergio Leone, Clint Eastwood, Stellen Skarsgard, the matt and mark movie show.The Southern District's Waratah Championship, Night of a Thousand Stars, The Pan Pacific Grand Prix (The Pan Pacifics)    

No you're not going mad, and yes there should have been a show by now! Unfortunately with Bank Holidays, and Nick's Choir, and his Church Circuit commitments, and me being a bit unwell/under the weather it didn't work out. Besides which, I can't say there is a lot of news worth talking about to be honest! However, we will be back after WWDC to bring you all our thoughts on that – we promise. Anyway this a little Extra to give you a little update and to let you listen to Nemo's review of the excellent ThinkSound ov202w Wireless Over-Ear Headphones Recorded 26th May 2025 On this week's show NEMO'S HARDWARE STORE (00:05) ThinkSound ov202w Wireless Over-Ear Headphones John loves these and verified Amazon buyers agree with 5 stars abounding... Amazon – US $184 USD or UK £194 UKP Essential Apple Recommended Services: All Things Secured – Online security made simple by Josh Summers. Pixel Privacy – a fabulous resource full of excellent articles and advice on how to protect yourself online. Doug.ee Blog for Andy J's security tips. Ghostery – protect yourself from trackers, scripts and ads while browsing. Simple Login – Email anonymisation and disposable emails for login/registering with 33mail.com – Never give out your real email address online again. AnonAddy – Disposable email addresses Sudo – get up to 9 “avatars” with email addresses, phone numbers and more to mask your online identity. Free for the first year and priced from $0.99 US / £2.50 UK per month thereafter... You get to keep 2 free avatars though. ProtonMail – end to end encrypted, open source, based in Switzerland. Prices start from FREE... what more can you ask? ProtonVPN – a VPN to go with it perhaps? Prices also starting from nothing! Comparitech DNS Leak Test – simple to use and understand VPN leak test. Fake Name Generator – so much more than names! Create whole identities (for free) with all the information you could ever need. Wire and on the App Stores – free for personal use, open source and end to end encryted messenger and VoIP. Pinecast – a fabulous podcast hosting service with costs that start from nothing. Essential Apple is not affiliated with or paid to promote any of these services... We recommend services that we use ourselves and feel are either unique or outstanding in their field, or in some cases are just the best value for money in our opinion. Social Media and Slack You can follow us on: Twitter / Slack / EssentialApple.com / Soundcloud / Spotify / Facebook / Pinecast Also a big SHOUT OUT to the members of the Slack room without whom we wouldn't have half the stories we actually do – we thank you all for your contributions and engagement. You can always help us out with a few pennies by using our Amazon Affiliate Link so we get a tiny kickback on anything you buy after using it. If you really like the show that much and would like to make a regular donation then please consider joining our Patreon or using the Pinecast Tips Jar (which accepts one off or regular donations) And a HUGE thank you to the patrons who already do. Support The Essential Apple Podcast by contributing to their tip jar: https://tips.pinecast.com/jar/essential-apple-show This podcast is powered by Pinecast.

You're human, but are you also a Buddha? If so, which one comes first? What does it mean to be human? What is a Buddha exactly? Is our humanity lost or superseded if we become a Buddha? Such questions might interest our more philosophical listeners. Being Human and a Buddha Too (Wisdom Publications, 2023) by today's guest Anne Klein explores the 7-point mind training of Longchenpa, a 14th century Tibetan Scholar and Yogi from the Nyingma school of Tibetan Buddhism. Anne is professor of religion at Rice University, a co-founder of the Dawn Mountain centre for Tibetan Buddhism in Housten, Texas, and a lama in the Nyingma tradition herself. Her key research areas are Tibet and Indian epistemology, Tibetan texts and language. We touch on the following themes and questions; How do you manage the dual roles of university academic and Nyingma Lama? Buddhism in the West has gone through a lot and very quickly since its more prominent emergence in the 1960s. Do you have any thoughts on Buddhism's future in the west and whether it will maintain any significant presence once its key teachers from the boomer generation begin to pass away? Whether its problematic teachers, or, and perhaps more importantly, the insistence on a model that it antithetical to western modes of teacher student interaction, the Tibetan Lama, guru and core figure cannot escape a compatibility issue with Western norms. Worse for some still, there is also an increasing lack of teacher availability for those willing to embrace this model. Thoughts? What are we to do with language and the hermeneutic challenges its presents for translators of old Tibetan texts? Why this book? Why now? You have a series of events coming up, including retreats with translators in Germany, Switzerland and in Italy. Can you tell us about that and how listeners can get involved if they wish to? Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/intellectual-history

In this episode of Soulpreneur Scaling Stories, I reveal the game-changing "Two Day CEO" approach that has transformed my business and can transform yours too. If you're constantly tied to your laptop, responding to client messages at all hours, and struggling to truly disconnect from work—this episode is your blueprint for freedom.I share my personal journey from being an "always available" service provider who couldn't take a proper vacation to creating a business that allowed me to spend two weeks in Switzerland without my laptop. This transformation didn't happen overnight, but through strategic shifts in how I structured my business and client relationships.You'll discover why spreading your work across multiple days is actually decreasing your effectiveness, the CEO skills that will transform your scattered service delivery, and a practical framework for identifying and eliminating the "invisible work" stealing your time.This isn't about hustling harder or magical productivity hacks—it's about fundamentally redesigning your business so you can have both the income and lifestyle freedom you started your business for in the first place.Key Points Covered:✨ The "Fragmentation Effect" that's costing you 23-40% of your productive capacity✨ How to escape the "False Availability Trap" that keeps you tied to your computer✨ The three phases to transition from "always on" to a consolidated work schedule✨ Four pillars of the Two Day CEO framework that create true freedom in your businessReady to reclaim your time, deliver better results for your clients, and fall back in love with your business? This episode gives you the exact roadmap to make it happen.Send us a text Thank you for being a part of the Soulpreneur Scaling Stories community!FREE RESOURCES

Tom Bodrovics welcomes back Tony Greer, trader, editor of The Morning Navigator , and co-founder of the MacroDirt podcast, to discuss the current state of global markets. The conversation begins with an overview of the chaotic economic landscape, including regime change dynamics, inflationary pressures, and market volatility across sectors like bonds, gold, oil, and Bitcoin. Tony highlights the breakdown of traditional market correlations, making it difficult to predict trends. He emphasizes gold as a key store of value, noting central bank buying but expressing caution about its current highs and potential vulnerabilities if buyers step back. Gold miners, meanwhile, are performing well, though Tony questions whether larger investors will shift allocations into them. The discussion turns to bond markets, particularly the Japanese situation, where yields have spiked, raising concerns about central bank intervention. Tony suggests that yields may continue to rise before any potential stabilization. He also touches on inflation, noting that while official numbers appear tame, everyday costs remain high, and the impact of tariffs could linger. Oil prices are surprisingly stable despite geopolitical tensions, with plenty of supply keeping prices in check. Tony speculates that energy stocks could rebound if oil prices stabilize but remains cautious about their profitability at current levels. The interview also covers the broader economic picture, including the risks of a U.S. recession and the impact of Trump's trade policies. Tony expresses skepticism about chasing recession narratives, instead focusing on market trends and central bank behavior. He concludes by reiterating the importance of watching stores of value like gold and Bitcoin, given the ongoing themes of currency debasement and geopolitical uncertainty. Timestamp References:0:00 - Introduction0:43 - Interesting Times1:42 - Politics & Correlations3:44 - C.B. & High Gold Prices12:05 - Timeframes & Signals16:46 - Capital Rotation Miners19:44 - Global Debt Markets22:57 - Volatility & Confusion25:16 - C.B. Coordination & YCC27:00 - Inflation Threats?28:41 - Oil Price Drivers33:18 - Recession Risks?35:25 - Tariff Ramifications37:14 - Copper?38:10 - Trump's Administration40:40 - 2025 What to Watch43:58 - U.S. Debt Overhang?45:21 - Wrap Up Guest Links:Substack: https://tgmacro.substack.com/Twitter: https://x.com/tgmacroWebsite: https://tgmacro.com/E-Mail: tony@tgmacro.comMacro Dirt Podcast: https://www.google.com/search?q=macro+dirt+podcast After graduating from Cornell University in 1990 Tony followed in his father's footsteps to a Wall Street trading operation. He quickly learned his career path would be vastly different. He says, "I would not be sitting in the same seat on the same trading desk managing the same risk for the same firm for over 30 years." We have clearly entered a new era in financial markets. He began in the treasury department of Sumitomo Bank on the 107th floor of the World Trade Center downtown Manhattan. Tony was an FX trading assistant while the Quantum Fund was breaking the Bank of England in 1992. In 1993 he joined Union Bank of Switzerland as an FX and commodities trader, spending half a year as a Vice President in their Zurich treasury department. Then returned to New York City early in 1995 to join J. Aron & Company, the privately held commodity trading arm of Goldman Sachs. He managed risk for the Goldman Sachs Commodities Index, in precious and base metals trading, and futures and options trading on the New York Mercantile Exchange. He started his first venture in 2000 – Machine Trading which happened right before the tech bubble burst. That decision was his first excruciating life lesson in market timing. It turned out to be an extremely valuable learning experience. He believes there is a massive opportunity with both the unprecedented situation in global markets and in the way financial news is consum...

In a stunning and highly debated move, Pope Leo XIV has appointed a new bishop to the Diocese of St. Gallen, Switzerland—a man who has openly expressed support for reforming the Church's traditional positions on homosexuality, gay marriage, contraception, and even the ordination of women. This decision is raising serious questions among Catholics around the […]

In this episode I am joined by the wonderful, Jonathan McBride, for Part one of a two-part special series. Jonny and I met at The Agen Workshop in 2023. He teaches German and French in a state school in Scotland and he secured funding to go and spend six weeks watching three different CI teachers in three different countries in 2024: Me (Liam Printer) in Switzerland, Adriana Ramirez in Canada and finally, Tina Abour in Germany. The goal was to learn from what other CI teachers are doing in three very different schools in three very different systems, and to then report back to the Scottish government and education department about what he saw and learned. In this first part of our two-part series, Jonny had just spent two weeks with me in Switzerland after already doing two weeks with Adriana in Canada. He shares what he say, what he learned and most importantly, what he hopes to take back to his classroom in Scotland. Part two of this series follows up with Jonny approximately 9 months later, after coming back from Germany and spending almost a year implementing the ideas he had observed. A truly fascinating journey and a must listen for language teachers all over the world!Full programme notes are available on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.liamprinter.com/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.Follow The Motivated Classroom on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@themotivatedclassroom⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and Facebook ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@themotivatedclassroom⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.I'd love to know what you think, please get in touch! Join the conversation with the hashtag #MotivatedClassroom.Enjoying the podcast? Leave a review on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple Podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.Become a Patron of The Motivated Classroom podcast on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠patreon.com.⁠Please let me know what you think! Keep in touch and share widely!

Brought to you by TogetherLetters & Edgewise!In this episode: Musk's xAI updates Grok chatbot after 'white genocide' commentsMoviePass Gets $100 Million Investment in Box Office Game Mogul"We would be less confidential than Google" – Proton threatens to quit Switzerland over new surveillance law‘Sesame Street' Saved, Inks New Streaming Deal With NetflixBreakthrough stretchy battery moves like toothpaste and could power pacemakers and hearing aidsGoogle I/OLots more AI in search resultsXR Glasses, with Samsung and Warby Parker, coming later this yearVeo 3 - audio and video at the same timeGemini live - see what's on your screen in real-timeDuolingo CEO says AI is a better teacher than humans—but schools will still exist ‘because you still need childcare'Pocket is shutting downMysterious Database of 184 Million Records Exposes Vast Array of Login CredentialsOpenAI is buying iPhone designer Jony Ive's AI devices startup for $6.4 billionSam Altman Tells Staff Plan to Ship 100 Million Devices That See Everything in Users' LivesFortnite is finally back on US iPhonesFortnite approved by Apple, returns to U.S. App Store 5 years after removalFortnite maker charged with unfair labor practice over AI Darth VaderWeird and Wacky:

I have had the pleasure of conversing with many people on Unstoppable Mindset who clearly are unstoppable by any standard. However, few measure up to the standard set by our guest this time, Katrin J. Yuan. Katrin grew up in Switzerland where, at an early age, she developed a deep curiosity for technology and, in fact, life in general. Katrin has a Masters degree in Business Administration and studies in IT and finance.   As you will see by reading her biography, Katrin speaks six languages. She also has accomplished many feats in the business world including being the founder and CEO of the Swiss Future Institute.   Our conversation ranges far and wide with many insights from Katrin about how we all should live life and learn to be better than we are. For example, I asked her questions such as “what is the worst piece of advice you ever have received?”. Answer, “stay as you are, don't grow”. There are several more such questions we discuss. I think you will find our conversation satisfying and well worth your time.   As a final note, this episode is being released around the same time Katrin's latest book is being published. I am anxious to hear what you think about our conversation and Katrin's new book.       About the Guest:   Katrin J. Yuan Boardmember | CEO Swiss Future Institute | Chair AI Future Council Katrin J. Yuan is an award-winning executive with a background in technology and transformation. With a Master of Business Administration and studies in IT and finance, Katrin is fluent in six languages. She is a six-time Board Member, Chair of the AI Future Council, lectures at three universities, and serves as a Jury Member for ETH and Digital Shapers. With a background of leading eight divisions in the top management, Katrin is an influential executive, investor, speaker and a "Young Global Leader" at the St. Gallen Symposium. Her expertise extends to AI, future megatrends, enforcing AI and a diverse data-driven approach.  Ways to connect Katrin:   Swiss Future Institute https://www.linkedin.com/company/swiss-future-institute LinkedIn https://www.linkedin.com/in/katrin-j-yuan/ Instagram https://www.instagram.com/katrinjyuan/ Youtube https://www.youtube.com/@katrinjyuan   Speaker Topics: AI Future Tech Trends | Boards | NextGen Languages: EN | DE | FR | Mandarin | Shanghainese | Turkish | Latinum Menu card overview https://www.futureinstitute.ch   About the Host:   Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog.   Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards.   https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/   accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/   https://www.facebook.com/accessibe/       Thanks for listening!   Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below!   Subscribe to the podcast   If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can subscribe in your favorite podcast app. You can also support our podcast through our tip jar https://tips.pinecast.com/jar/unstoppable-mindset .   Leave us an Apple Podcasts review   Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.       Transcription Notes:   Michael Hingson ** 00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us.   Michael Hingson ** 00:15 Hi. I'm Michael Hinkson, Chief vision Officer for accessibe and the author of the number one New York Times best selling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast. As we explore our own blinding fears of inclusion, unacceptance and our resistance to change, we will discover the idea that no matter the situation or the people we encounter, our own fears and prejudices often are our strongest barriers to moving forward. The Unstoppable mindset podcast is sponsored by accessibe. THAT'S A, C, C, E, S, S, I, capital, B, E, visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities and to help make the internet fully inclusive by the year 2025 glad you dropped by. We're happy to meet you and to have you here with us.   Michael Hingson ** 01:20 Well, hi everyone. Welcome to another edition of unstoppable mindset. Our podcast has been doing really well. We've been having a lot of fun with it ever since August of 2021 and I really thank you all for listening and for being part of our family. And as I always tell people, if you know of anyone who you think ought to be a guest, let us know, and we'll get to that later on. Today, our guest is from Switzerland, Katrin J Yuan. And Katrin is a person who, among other things, is the CEO of the Swiss future Institute, and I'm going to leave it to her to tell us about that when we get to it. She is a executive. She's an executive with a with a pretty deep background, and again, I don't want to give anything away. I want her to be able to talk about all that, so we'll get to it. But Katrin, I want to thank you for being here and for finding us and for coming on unstoppable mindset.   Katrin J Yuan ** 02:20 Warm Welcome Michael and Dear audience, thank you so much for having me on unstoppable mindset. I'm excited to be here with you a bit about myself.   Michael Hingson ** 02:32 Yes, please, you and growing up and all all the scandalous things you that you don't want anyone to know. No, go ahead. We we're here to hear what you have to say.   Katrin J Yuan ** 02:43 My cultural background is, I'm looking Asian, grown up in Europe and Germany, and then later for my studies in Switzerland, in the French part of Switzerland. And now I'm being in here in Zurich. My background is Mba, it finance. I started with a corporate then in tech consulting. I was heading eight departments in my lab. Last corporate position there of head it head data. Now to keep it simple and short, I consider myself as an edutainer, community builder and a connector, connecting the dots between data, tech and people. I do it on a strategic level as a six time board member, and I do it on an operational level for the Swiss future Institute for four universities, being a lecturer and sharing knowledge fun and connecting with people in various ways.   Michael Hingson ** 03:44 Well, what? What got you started down the road of being very deeply involved with tech? I mean, I assume that that wasn't a decision that just happened overnight, that growing up, something must have led you to decide that you wanted to go that way.   Katrin J Yuan ** 03:58 It's a mixture curiosity, excitement, I want to know, and that started with me as a kid, how things work, what's the functionality? And I like to test do things differently and do it myself before reading how it should be done. What's the way it should be done.   Michael Hingson ** 04:21 So, yeah, yeah, I find reading is is a very helpful thing. Reading instruction manuals and all that is very helpful. But at the same time, there isn't necessarily all the information that a curious mind wants, so I appreciate what you're saying.   Katrin J Yuan ** 04:36 Yeah, totally. There are so many more things. Once you start, it's like one layer after the other. I like to take the layers, lip by layer, to go to a core, and I'm I don't avoid asking questions, because I really like to understand how things work.   Michael Hingson ** 04:55 Yeah, yeah. It's a lot more fun. And. And hopefully you get answers. I think a lot of times, people who are very technically involved in one thing or another, when you ask them questions, all too often, they assume, well, this person doesn't have the technical expertise that I do, so I don't want to give a very complicated answer, and that's all lovely, except that it doesn't answer the question that people like you, and frankly I have, which is, how do things work? Why do they work? Much less? Where do we take them from here? Right?   Katrin J Yuan ** 05:31 Absolutely, and breaking down complexity rather simplifying things, and tell us in an easy way you would maybe tell kids, your neighbors and non tech persons, and at the end of the day, it's the question, What's in for you? What is this for? And what's the value and how you can apply it in your everyday life? Yeah,   Michael Hingson ** 05:57 I grew up, of course, being blind, and encountered a lot of people who were and are curious about blind people. The problem is I usually have an assumption also, that if you're blind, you can't do the same things that sighted people can do, and that's usually the biggest barrier that I find we have to break through, that I have to break through, because, in reality, blindness isn't the issue, it's people's perceptions. And so that's why I mentioned the whole idea that people often underrate people who ask a lot of questions, and the result is that that it takes a while to get them comfortable enough to understand we really do want to know when we really do want you to give us good technical information that we can process and move forward with   Katrin J Yuan ** 06:47 exactly normally, in a room full of board members, managers, you call it, you name it, CEOs, investors, usually someone or even the majority, is very thankful that finally somebody asks also, dare to ask the simple questions to find a solution. And it's not only the what, but I find it interesting also the how you solve it, and to see and do things in a different way, from a different, diverse perspective. This is very valuable for those seeing and for those seeing in a different way or not seeing and solving it in your own very unique way, and   Michael Hingson ** 07:33 and that's part of the real issue, of course, is that looking at things from different points of view is always so valuable, isn't it? Absolutely,   Katrin J Yuan ** 07:42 this is why I also go for diversity in tech leadership boards. Yeah, because for me, I like to say it's no charity case, but business case,   Michael Hingson ** 07:57 yeah. Well, so you, you've, in a sense, always been interested in tech, and that I can appreciate, and that makes a lot of sense, because that's where a lot of growth and a lot of things are happening. What? So you went to school, you went to college, you got a master's degree, right?   Katrin J Yuan ** 08:17 Yes, correct.   Michael Hingson ** 08:20 And so what was then your first job that you ended up having in the tech world? I   Katrin J Yuan ** 08:27 was in the IT ICT for Vodafone in a country this last station was with Northern Cyprus. For me, very exciting. Yeah, to jump in different roles, also in different areas, seeing the world sponsored by a large company here in Europe. And that was very exciting for me to jump into white, into it and learn quickly. I wanted to have this knowledge accelerated and very pragmatic to see many countries, cultures, and also diverse people in many, many means, from language to culture to age to many, many different backgrounds.   Michael Hingson ** 09:09 So from a technology standpoint, how is Vodafone doing today? I know you've moved on from that, but you know, how is it? How is it doing today? Or is it I haven't I've heard of Vodafone, but I haven't kept up with it. That   Katrin J Yuan ** 09:22 was my very first chapter. So yes, indeed, I moved on, staying in the tech sector, but now I am completely here in Switzerland for another chapter,   Michael Hingson ** 09:35 and Vodafone is still a very sizable and ongoing company. It   Katrin J Yuan ** 09:39 is not in Switzerland, but yes, still in Europe, with headquarter, UK, in Germany and so on. Definitely. Yeah,   Michael Hingson ** 09:47 I'm, I'm familiar with it. And I was thinking Germany, although I hadn't thought about the UK, but that makes, makes some sense. So you, you obviously worked to. Learn a lot and absorb a lot of information. And I like the things that that you're talking about. I think people who are really curious, and who work at being curious aren't just curious about one thing and you talked about, you're curious about the technology and all the things that you could learn, but you are also very interested in the cultures, and I think that that is and the whole environment, and I think that is so important to be able to do what, what kinds of things, if you if you will, did you find interesting about the different cultures, or what kind of commonalities Did you find across different cultures? Because you, you had the experience to to be able to be involved with several so that must have been a pretty fascinating journey.   Katrin J Yuan ** 10:45 Yeah, CEO of a Swiss future Institute, and as university lecturer of four universities in Germany, as well as in Switzerland, mostly about AI data analytics. And also as board member, I have several demanding roles started already in young years. So one of the questions I hear often is, how did you make it, and how is the combination? And here my answer is, start early discipline focus. I'm highly self motivated curiosity, as mentioned earlier in the combination, and I did not expect success to come early. I expected to endure pain, hard work and to go forward and a mixture of discipline, hard work, step by step, and also to overcome challenges.   Michael Hingson ** 11:42 Did you find it to be a challenge with any of the cultures that you worked within, to to be able to be curious and to be able to move forward? Or were you pretty much welcomed across the board?   Katrin J Yuan ** 11:57 It's a mixture. It started with the obvious, the language. So when I was, for instance, on Northern Cyprus, that's the Turkish speaking part, not the Greek part, which is in the EU I accepted the opportunity given by the company at that time to learn Turkish. That was amazing for me. Yeah, as I felt like, if I'm the guest, the least I can do is adapt and giving, showing my respect and openness towards a new culture. And for me, culture starts with a language. With language you reach not only the people, but you really understand as there are so many, and those of you who speak more than one language, you might have find it especially comparing different expressions emotions. Typical expressions in different languages is not only translating, it's really understanding those people. Yeah, and that for me, definitely super exciting. It was a challenge, but a very welcome one, embracing that challenge, and for me, it was like, Hey, let's do an experiment. Being an adult, learning a complete new language, not like English, German, French, and both usually relatively close to each other, so related ones, but a completely new such as Turkish. So nobody spoke Turkish in my friend's neighborhood, closer family as we are, we are not. But I thought that, hey, let's simply start. And I started by learning eight, eight hours per week, so really intense, including the Saturday. So it was only doable that way, to give it a serious try to bridge and be open towards different cultures.   Michael Hingson ** 13:53 Well, the other part about it is, in a sense, it sounds like you adopted the premise or the idea that you didn't really have a choice because you lived there, or at least, that's a great way to motivate and so you you spent the time to learn the language. Did you become pretty fluent in Turkish? Then I   Katrin J Yuan ** 14:13 was there like five months, the first three months, it was rather a doing pain and hard work without having any success. So I didn't, didn't get it. I didn't understand anything, though I had every week the eight hours of Turkish, and it took three months, and that's super interesting for me to perceive like I love experiments, and I love experimenting, also with myself included, that is, it's not, it seems to be not linear, but rather jumping. So you have all the investments in the first where you don't see any immediate effect. Well, after the first three months, there was a jump. Um, and I remember clearly the first moment where I got it, where I understood something, and later on learning intensely, even understood some sort of jokes and etc. And there the meetings were all in Turkish. So it really helped to adapt to that one and get what they say,   Michael Hingson ** 15:20 so until you got to the point where you could sort of understand the language, how did, how did you function? Did you have somebody who interpreted or how did that work?   Katrin J Yuan ** 15:30 Well, they speak English as well, and of course, they adapted to me, such as to the other experts being there as well.   Michael Hingson ** 15:39 Yeah. Did? Did you find, though, that once you started having some effective communication in the language that that they liked that and that that made you more accepted? They   Katrin J Yuan ** 15:52 were surprised, because at that time, I was the only one from from the experts manager sent there and really accepted the whole education package for like, okay, it's free, it's education. Let's definitely accept it and give it a serious try, having the eight hours per week. So several were quite surprised that I did it and that I'm interested in learning a new language as a as an adult, where you could have said, No, that's, that's enough. Let's, let's all stay in our usual, the simple, the simplest way, which is, let's keep it and do it all in English, what we already can speak.   Michael Hingson ** 16:38 But they had to feel more at home when you started speaking their language a little bit. I remember in college, I took a year of Japanese. It just seemed fascinating, and I like to listen to short wave. I'm a ham radio operator, so I oftentimes would tune across stations, and I would find radio Japan and listen to broadcasts, and then I took a year, and I've been to Japan twice as a speaker, talking about the World Trade Center and so on. And although I didn't become in any way fluent with the language, I was able to pick up enough words, especially after having been there for a few days, that I could at least know was what's going on. So I appreciate exactly what you're saying. It makes it a whole lot more fun when people do relate to you. Which is, which is so cool. So, you know, I think that's that's a good thing. Where did you go after Cyprus?   Katrin J Yuan ** 17:34 I went back to Switzerland. Ah, familiar language, yeah, from the French and to the German speaking part in Switzerland, also with French, it's more or less the same. I learned a large part, also per University, and frankly, per TV. Watching television, if you first started, didn't get any of those jokes, yeah, I felt quite stupid. And then one day, you really break the wall, and then it's going all the way up, and you simply get it. You live it. You are widened, and you understand the culture and those people, and they will feel that you are bracing it, that you are not only polite or only there for a temporary of time, and then you're you're gone. Yeah,   Michael Hingson ** 18:22 you you demonstrate that you are really interested in them and curious about them, as I said, and that tends to definitely make you more relatable and make you more appreciated by the places where you are. So I'd like to go ahead and continue in, you know, obviously learning about you and so on. And I know we talked a little bit about other places where you've been and so on, but you've got, you've got a lot that you have done. So you work a lot with CEOs. You work a lot with investors and board members, and a lot of these people have a lot of different kinds of personalities. So what is your perception of people? What was your perception of working with all those people? And how do you deal with all of that going forward? Because everybody's got their own thoughts,   Katrin J Yuan ** 19:21 indeed, and in that context, what is normal? How do you perceive and how are you perceived by others? That was a question which raised my curiosity. Yeah, by time, it was not clear from the beginning, and for me, I found my answer in what is normal. It's super relative for only what you perceive and know. Got to know taught by your parents as a kid. And for me, looking looking Asian, yeah, looking different, yeah, as. A woman young, you're looking different. And that combination in Switzerland, it's yeah, it weighs some questions, and got me reflecting upon that question, yes, and this all how you deal and see and apply that difference and make that difference to be a value for yourself and for others. You bring   Michael Hingson ** 20:25 up an interesting point, though. You talk about what is normal, and so what is normal? How do you deal with that?   Katrin J Yuan ** 20:33 Normal is what you think is normal. There's no real normal, the so called norms. Does it fit to you, or you will make them fit to you, and you are unique in that setup you know, like what is normal considering beauty standards, it is what you use to know, based on culture, based on your direct environment, by based by your family, what you see is what you get, yeah. And based on some scientific stuff, like relatively high symmetric in in your face, but not too much asymmetric, yeah, just the right mixture, yeah. And so I learned to define, instead of being defined all the time, to define myself what is normal to me, to me, and to be very aware that the normal is quite relative my perception. Did   Michael Hingson ** 21:33 you find that there were times that you had to sort of change your view of what was normal because of circumstances, does that make sense?   Katrin J Yuan ** 21:43 Yeah, totally, and I respect it so much. Also, with your fantastic story yourself, Michael, where I can only say, Chapo, how, how you make your way all the way up. And it's, it's more than respectful. I have you have my admiration for that one for me, it was definitely food traveling, seeing myself, not so much as a small kid, I perceived like, Hey, we are all normal. Yeah, there was no difference as a small kid. But latest for me, when you got a bit older as a kid, between, in between kid and becoming adult, also from the environment, raising questions of how you appear, whether you appear differently from kids and so on. Yeah, the question was brought to me, so I had to deal with it in the one or other way. And I learned it's, it is interesting if you are finding yourself. It's not a point that you know in black, white, okay, that's me, but it's rather walking the whole path with all the stones, Hicks and up and downs, becoming you in all its essence and normal it was defines you, and I like to challenge myself wherever, and all these bias everyone has naturally, it makes us humans. That's the way that I, at least challenge myself to open that quick few seconds box again, after the very first impression, which is built unconsciously, and and, and some, some good moments and valuable relationships appeared not from the first moment, but because I challenge it, and even if we didn't like, for example, each other from the first moment, but then we gave it another opportunity, and even friendships were built with a second and third glance. And this is why I invite you to think about your own normal and to find and define yourself, not letting it be a standard defined by others.   Michael Hingson ** 24:07 I have ever since September 11, I always hear people saying and I read and I reacted to it internally. We got to get back to normal. People hate getting out of their comfort zone oftentimes, and that's, in a sense, so very frustrating. But I kept hearing people say, after September 11, we got to get back to normal. And I finally realized that the reason that I didn't like that statement was, normal will never be the same again. We can't get back to normal because normal is going to be different, and if we try to get back to where we were, then the same thing is going to happen again. So we do need to analyze, investigate, explore and recognize when it's need to move on and find, if you will, for the moment, at least a new normal.   Katrin J Yuan ** 24:58 Absolutely, I'm. With you. What's normal for you? Michael,   Michael Hingson ** 25:04 yeah, what's normal for me isn't normal for you. I think what's normal for me today isn't what it used to be. So for me today, normal is I do get to travel and speak, but when I'm home, I have a dog and a cat. Normal change for me a couple of years ago when my wife passed away. So it was a matter of shifting and recognizing that I needed to shift, that the mindset couldn't be the same as it was pre November 12 of 2022 and so it is important to be able to adapt and move on. So I guess for me, normal, in one sense, is be open to change.   Katrin J Yuan ** 25:50 That's beautifully said. Be open to change.   Michael Hingson ** 25:55 Yeah, I think it's really important that we shouldn't get so locked in to something that we miss potential opportunities, that that change, or that adapting to different environments will bring us   Katrin J Yuan ** 26:10 totally and you yourself, give yourself all the opportunities you have to evolve over time you will not be Exactly and that's good the way it is the same person, yeah? Because environment change, all the factors change, and we humans are highly adaptive, yeah, this is underestimated by ourselves many times. Yeah, but we are, and we make the best out of the situation, and especially with regard to hard moments where really, really, really hard, and nobody likes them, while being in that moment, but looking back and being overcoming it afterwards looking back, I like to say, when do you really grow? It's in the hard times when you grow this is where you endure pain, but you'll be become better, bigger, more resilient afterwards, right?   Michael Hingson ** 27:13 Very, very much. So Well, in your case, growing up, working, being in all the different environments that that you have. Have you ever had an unexpected moment, a hard moment that you had to deal with? And what was that? And how did you? How did you deal with it?   Katrin J Yuan ** 27:29 Sure, just sharing one earlier moment. I had an accident. I was on my way to dancing course and all chilly fun made myself pretty on the day, thinking only on superficial, beautiful moments, partying and so on. And then it crashed on the road, and in a matter of seconds, life can be over. So I woke up in the hospital and the intensive care, that unit, where you only find the hard cases, was, yeah, were really not beautiful to look at. Yeah, I find myself. And I was like, that was definitely a very hard lessons I learned in early years. So I had to relearn everything, and had to look two weeks long at a white wall with an ugly picture on it, and I had plenty plenty of time to think about myself and the world and what, what the heck I should do with the remaining time, and also my perception of normal, of wishes, of expectations, of different perspectives, and my my expectation on life. Yeah. Well,   Michael Hingson ** 28:56 what was an ugly picture? Did you ever come to appreciate the picture?   Katrin J Yuan ** 28:59 It was still ugly after two weeks, just checking.   Michael Hingson ** 29:05 So though you, you chose not to let that become part of your normal, which is fine. I hear you well, you, but you, you adapted. And you, you move forward from that, and obviously you you learned more about yourself, which is really so cool that you chose to use that as a learning experience. And all too often, people tend not to do that. Again, we don't do a lot of self analysis, and tend to try to move on from those things. But, but you did which is, which is admirable by any standard. Well, one of the things that I'm curious about is that you have a fairly good social media followings, and I'm sure there are a lot of people who would ask this, what would you advise for people. Who want to build their brand. What did you learn along the way, and what would you advise people to do if they want to build their own brand and and grow? I've   Katrin J Yuan ** 30:07 over 60,000 views, which is not bad for a non celebrity and a simple officer, worker, academic worker, here in Switzerland, and I like to invite people to think, imagine you were a product. What are you standing for? And don't try to cover your weaknesses. It's a unique you as a combination of all of your science, I like to speak about the 360 degree you and starting, and I know statistically that a bit more women are a bit concerned about, hey, how much should I really give and and get over visibility, and is it still in a professional way, and I don't want to waste My time and so on. Somebody told me, and I find this idea very simple and good people talk about you either way. Also, if you leave a room, either you let it the way, in a passive way, so accepting it, or you decide one day, and this is what I did, actively influence it. So I like to, rather if I may have a choice, actively influence and have some take on my life, my decisions, my normal the doings, the happenings and the starts with a perception in our world. Allow me it is very simple. What you see is what you get. Yeah, so the visibility, if you can use it, especially here, now with all the social media channels, from LinkedIn to Insta to YouTube, what you have in place, use it systematically for your business, not as a I don't want to waste my time, and you don't need to open up to everything your private life. If you want to keep that, that's all good. You can just open up enough to build up your brand for business. Yeah, and for me, it's really, really going, definitely, we monetize and open up for business, and so that our clients in Switzerland, Liechtenstein and Germany and Austria, and the dark region we call it, find us in, yeah, and thankful for that   Michael Hingson ** 32:37 interesting and I like something that that you say, which is, you don't need to open up your private lives, we get too nosy, and we get too many people who put too many pieces of information about their private lives, and unfortunately, that's just not a productive thing to do, Although so many people do it in this country now. We're, we're seeing a number of athletes whose homes are being broken into. And you can trace the reason that it's even possible back to a lot of social media. They're, they're saying they're not going to be there, or in some cases, they can't necessarily avoid it. Doesn't need to be social media when you've got sports figures who are playing in games and all that, but we focus too much on private lives rather than real substance. And unfortunately, too many people, also, who are celebrities, want to talk about their private lives. And I, you know, I don't tend to think that is overly productive, but everybody has their own choices to make, right? So   Katrin J Yuan ** 33:45 everybody has their own choices to make. Yeah, I recommend, if you like, stay with them consistently so you feel comfortable. How much you open the door is starting ultimately with you. I like to say in that context, you are ultimately responsible for all the things you do, but also with all the things you don't do. Yeah, and that's totally fine, as long as it's it's very much and that it's something you will feel that's, that's about you, yeah, and social media and visibility, and the business side, the professional side of using your whether Employer Branding, your personal branding, all the stuff, this is controlled by you, how much you give. Of course, you can sense how much, depending on how much you give, how much will come back. And if you don't feel like posting all the time, also with 40 degree fever out of a bat. Don't do it. It might be not sensible in your case, and not giving you back the outcome, the impact, the real consequence and effects it has. Yes, totally.   Michael Hingson ** 34:55 Well, social media hasn't been with us all that long, and I think we're still. So really learning how to best be involved with social media. And of course, that's an individual choice that everyone has to make. But what Facebook is only 20 years old, for example. And so we're going to be learning about this, and we're going to be learning about the impact of social media for a long time to come, I suspect,   Katrin J Yuan ** 35:20 absolutely and nowadays, fusion. Everything merged on the next level with AI, the perception what you get is what you see really fake news is only the beginning in text, in visual speaking of pictures and in videos, which is nothing else than a row of visual pictures in moving so our generation and the next and the next, from alpha to Gen Z, X, Y over and bridging generations, we will have to learn how to deal with it responsibly, both being potentially one of the actors in So, being a creator, creating your own content, and on the other side, accepting seeing, resonating, interacting with other content. What is real, what is fake? How do you deal with it, critically and responsibly for business, for society, yeah? Because whenever you do something, somebody else will see it. And that's that sense every one of us is a role model. So your behavior is not ultimately only what you say, but also what you do. Yeah, measure me and what I do, not what I say, and yeah, and others will see you and observe and that will have an effect, if you want or not. And therefore I am for a responsible way, behaving, reflecting and carry that on, spreading that information. Yeah. It all starts with you, I   Michael Hingson ** 37:01 believe is all too important to recognize it's due and judged by what I do, not by what I say. I think that is so important and one of the biggest lessons that we can learn from social media or anything. And it's nothing new. It's just that now it is such more a visible kind of lesson that we need to learn, because it's all about actions, and they do speak a lot louder than words, whether we like to think so or not. Yeah,   Katrin J Yuan ** 37:30 totally. And you said it, Michael, it's nothing new. Yeah, it's not reinvented, but, yeah, it's all transparent, too much information flooded by all channels, all these voices and people, experts are not commenting, resonating, multiplied, copied, bringing to other dimensions, and it's so easy, yeah, the real ones and the other ones. Yeah, so it's upon you to deal with it responsibly, yeah,   Michael Hingson ** 38:00 well, you have been associated with a number of boards. You've dealt with lots of board members. You're the CEO of a company and so on. So I'm curious to get your thoughts on the whole concept of, how do we work to make boards and board members more inclusive and more diverse? Or how do we open boards up to perhaps different things that they haven't experienced before?   Katrin J Yuan ** 38:31 That's a very good one, which means a lot to me personally. I like to say it's not a charity case, but a fact matters, numbers, business case so simple. That is, if you have, let's say, 10 people, high personalities in one room, a decision is very, very easily made. If you all think, look, behave the same, with the same skills, background, experiences and cultural wise, definitely, you will come to one decision quickly. But is this ultimately the best decision of a company and for your future? And have you shared all these thoughts from a different perspective, from a different angle. This implies a certain way, also with efforts with some time are not only easy peasy, but once you challenge yourself, you really grow. You really grow and come to an ultimately better decision, worthwhile, a more valuable perspective, yeah, and thinking of something you have never fought yourself, but another fraction does, and ultimately, the other voice is not only one minority speaking of an easy example of one to nine makes 10. Yeah, but scientifically, we speak here about the 33% and more, so more than three four people in a room, it would make sense to really have a strong voice here, and not only the one exceptional voice, but really a discussion among diverse peers reaching to the ultimate outcome in the best interest of a company.   Michael Hingson ** 40:26 How do we get people to adopt that kind of mindset and expand boards though to make that happen? Because all too often, people are locked into their own way. Well, we want board members and we want people who think as we do, and we don't want to really change, which is getting back to what we talked about before, with normal   Katrin J Yuan ** 40:45 I'm definitely with you, Michael, and if we had one short sentence answer on that one, I would be the first to raise the hand give me that solution. It's very hard to force externally. It's it's, ultimately, the best way is if you really come to that and you you get convinced yourself by your own experience, by seeing observing, by being open minded enough to learn from others. Yeah, that is not with age, with success, with power, with hierarchy, you name it, with title, with salary, package that you find one day, okay, I learned enough. I'm successful enough, I'm rich enough, I can afford and do what I what I wish, means, and I I'm not interested, consciously or unconsciously, and having another, maybe challenging other view which threatens or challenges myself, or which makes it a little bit more uncomfortable, but for the ultimate sake of getting to a better result. So there's a science dimension, there's a psychological cultural dimension, and definitely that's an individual one, but I learned the greatest people, men and women, like the really successful ones, they are quite on the steep learning curve, wherever they stand. And the really good ones, they want to become even better. Now this is for knowledge, learning never ends, and this is also for openness, looking the ball is wound from the 360 degree perspective. And this is ultimately also, as I said at the beginning, the business case to know from science. Okay, if I go alone, I might get the point quite quickly. Or if everybody is a little copy of you, it makes it so easy, isn't it, but if you really challenge, go through this is where you bring yourself and the others and the whole team, and again, the value of your company and listed company, your innovation, your value of the ultimate company, much, much further than it was yesterday, and this is where maybe, how much can we afford, looking at business as competition, looking at the latest technology, all these and also over culture and over borders, yeah, how much can we afford to stay the way we Are because we were that successful and maybe also privileged the last 20 years. I doubt so. So this is, again, plenty of real facts, numbers, arguments. Look at the statistics. It's a clear business case where we go and the smartest one goes first and state an example by yourself. Go through it and then you experience it yourself, the value out of difference and diverse and true means by living it and allowing it in your own circle.   Michael Hingson ** 43:54 The question that sort of comes to mind, and it's hard one to really answer, I think, but if you're on a board with a very strong leader or very strong persons, and you see that they're not necessarily willing to deal with diversity or real inclusion. How do you help them understand the value of doing that and becoming more diverse or becoming more inclusive in the way they think, by   Katrin J Yuan ** 44:21 raising questions in a polite, respectful way, you can do a lot. Everything you do is better than doing nothing, simply accepting on and in a passive way. I think everything else is definitely worth to try, fail, try, do better and try in a row. Repetition is also something which is psychologically therefore we have all these repetition jingles and advertising to some, to some extent, very useful, effective. So if you again, may hear it, not maybe only from one person, but for more than the 33% and. And you might hear it from your best buddy, you might hear it from peers, but you one day come and accept at least question it yourself, yeah, raising that question and you really want to get better, as we said at the beginning. Michael beautifully said, accept change or change. What is normal, yeah. And we are highly adaptive, again, as humans. So allow yourself to grow. There are two ways, either or if, if you should ever meet somebody who is rather not that open to it. So there are two ways and which will show by time. Yeah. But one is, your people only like to change when change becomes necessary, versus where an event happens, yeah, a very hard event, and where you will have face tremendous consequences, so you must have a change, yeah, and it's painful, and the others before, out of being convinced, touching the question before, how much can we afford to stay the way we are like forever, just because it has been like this in the Last 20 years? And I rather invite change doesn't happen overnight. Yes, that's true, but continues and little ones rather the hard cut at the end and and rather from yourself, interior and and intrinsically motivated, rather than being forced only by outside. That's way better. And smart people, yeah, are open, listening, learning, and therefore, do some effort. Make some effort yourself. Normally, it pays back 10 times.   Michael Hingson ** 46:51 You know, one of the best quotes I've ever heard that I really like, and I think it really ties in here, comes from the person who was our 35th president, who's now passed away, Jimmy Carter. He once said we must adjust to changing times while holding to unwavering principles. And my point in bringing that up is that change doesn't need to be that you have to sacrifice Basic Life Principle. I think so all too often, we don't necessarily learn some of those life principles as well as we should, but change is a good thing, and we do need to adjust to change any times, and it doesn't mean that we have to sacrifice the basics of life that we've grown up with and that we Experience   Katrin J Yuan ** 47:37 beautifully said exactly, I totally agree and to every new year, the new year resolution, stop smoking, becoming more sportive, all of sudden, all these long lists of changes and wishes, potential achievement and potential failures. Scientifically, I'm a bit nerdy. From the person, yeah, for me, no, it is positive. Is it shows that, rather than going for the big, hard cut change, use all these small steps and allow yourself to make these small steps towards change and habits, this is also shown and proven. Habits do not come overnight. They are not accepted. Whether, yeah, it's getting early bird, becoming all of a sudden Early Bird, because, yeah, you want to belong to that 5am breakfast club or something, whatever it is, yeah, make a combination over time in small steps, and reward yourself also, if you make a small step towards change. Now that's that's where magic happens. So you keep it over 234, months, and there become a good habit over time. But   Michael Hingson ** 48:49 also keep in mind why you want to make the change. That is what you don't change just to change. You change because there's a reason, and it's important to understand whatever it is the reason for wanting to change   Katrin J Yuan ** 49:04 having a goal and visualize it as much as you can. It's a strong one. And ultimately, do it for yourself, not for your partner, not because of somebody else, expecting do it for yourself. Yeah, becoming healthier working with a certain amount of discipline towards your marathon, or whatever it is in your life situation, yeah, definitely. Because if you don't have a goal, don't expect to ever learn that would be a pure accident, and that's rather impossible, yeah. But having a goal, you dramatically enhance your probability to reaching that one step by step.   Michael Hingson ** 49:45 Yep, absolutely. So you know what? Let's take a minute and play a game, just for fun. If you were a song, which one would it be?   Katrin J Yuan ** 49:55 A classic one, up to a certain moment, I will be. Surprise and a mixture, rather to the more modern, maybe new, classic one and a Big Bang to the end,   Michael Hingson ** 50:11 you have a particular one in mind. As   Katrin J Yuan ** 50:13 I love playing piano myself. I have two pianos at home, and I like to play from notes, sheets. But also come, come make my own compositions. I have one in mind, which is rather my own composition, starting from the classic, from a known one, such as Chopin, but going into a rather the individual one the end, yeah, it's a mixture.   Michael Hingson ** 50:40 Well, you've you've obviously been around a lot and so on. What's the worst advice you ever received? Stay   Katrin J Yuan ** 50:47 the way you are and come back in five years. You're not ready yet. Well, I simply didn't accept it. I think you're ready when once you feel ready, and that's not you're too young for it, or you are not ready because these things are lacking. And get the first reference, and get the first ones who trust yourself, and start trusting yourself going the first part, whether it's the first leadership role, but it's the first investment role, whether it's a first board membership role, whether it's becoming you, following your dreams, making your own company become reality all these I am convinced, at the end of the day, you are the ultimate producer of your life. So what are you waiting for? For me, it was the accident. Wake wake up. Call for me, where I fought like, Okay, two weeks staring at that ugly wall with that picture that made me somehow aware of my time. So I somehow subjectively really accelerate. I always think like, Hey, I don't have enough time. Let's make and really use the time given. And so, yeah, it's all about you define yourself, rather than letting others to define I   Michael Hingson ** 52:06 think that's really the operative part. Define yourself. You're the only one who can really do that, and you're the only one who can know how well you're doing it. So I think you're absolutely right, and   Katrin J Yuan ** 52:18 nobody knows you better. Nobody should know you better than yourself, because you spend all your time you know all these ugly, weak and really strong, really beautiful sides of yourself. You spend all the time, your whole life, if you like it or not, with you. So some people, however passive or with regard to responsibility, yeah, I would like to, but somehow I'm waiting somebody else who pushes me, who will give me before me that ball in my way, who tell me or who give me this one recommendation I was waiting a long time for. No, it should be you. You know yourself the best way start making use out of it. Yeah, and   Michael Hingson ** 52:59 you should really work to make sure you know yourself better than other people do. It's it makes your life a whole lot better. If you can do that. Let me ask this, if you could go back in time, what would you do?   Katrin J Yuan ** 53:09 I started quite early, and I've had some thoughts about skills, about what I could do, what I what I'm good at, and what I wish. Yeah, all that, and at some point I didn't dare to speak out. I accepted a lot, and I was actually quite silent for a long time. And in private life, I'm rather introvert. When they see me on stage as a speaker, as a lecturer at universities and so on, people tend to think I'm extrovert, but in private life, I'm quite introvert, looking back, maybe starting even earlier in a stronger pace than a faster pace, being more aware and not covering and myself in silence, in good moments, whether it's a meeting or in a lesson, if you know a Good answer, speak out. If you know a good question, speak out. Dare to speak out for yourself and for others. This took me some time to find my voice, many years, but now I somehow finally found it for myself, and I dare to speak out for myself and for others to make a little bit of change and to make dare to make things differently. So it has ultimately your individual impact, your outcome, your own responsible line. So this, this is something I would have wished for me and also for others. Believe in yourself, trust in yourself, speak out earlier, whenever you see and there are plenty opportunities. I'd like to finish on that one. It's like a muscle. It's not born, but rather, you can train it also, but leadership skills, or that entrepreneurial skills or to the skills to deal with difficult situation as you overcame dramatically, wonderfully. My. Yeah, everyone might face over a lifetime, individually with his and hers. Face it, grow with it, become better and share it with others. So you push, pull and get good people on your side. And it's not only you suffering, but the ultimate outcome is so much more than the one moment which was hard. So believe in yourself.   Michael Hingson ** 55:28 What's one thing that you really wish people would see that maybe they don't beauty   Katrin J Yuan ** 55:33 and difference? Yeah, think about it in all its means a bit deeper, and I dearly invite you. It starts with the looks, yeah, with the automatic, subconsciously quickly done, judging others. It's so easy. And yes, we know it's only human, but knowing about yourself, it's about freedom, and with freedom comes responsibility, and also knowing about your limitations and knowing about your weak spots helps you really a lot to grow over time. Knowing you is not only knowing you how to do the small talk when the sunny weather everybody can be a leader or do something in a good means, yeah. It's very, very easy, but I talk about what stormy weather when it comes to really tough situations, when it comes to darkness and different means, then observe yourself. How do you behave? And many, even adults, they don't know, they can't say, or they totally freak out or give up, or some, some, some ways, challenge yourself. Where are your limits? Have you never tried your limits before? Because you didn't swim out into the sea and see how much you can really swim well, better try out. You will find out and get to know yourself in all your dimension. This is definitely something, the beauty and difference accepting. And this is not only finger pointing to others. It starts with you. Yeah, because you are different. I bet you are in some ways, if it's not looking Yeah, being too old, too young, too man, too woman, too beautiful, too ugly, yeah, too fat, too skinny, and all these are, it's maybe your language, your culture, your skills, your different background, maybe you're never the new one, and maybe you are different in all beautiful ways. It is possible to be different. So allowing difference, seeing even inviting it to your circle, is something of tremendous value once you open the door and you nurture it over time, I wish more people could see it and use it on positive impact in this world.   Michael Hingson ** 58:04 I have been a firm believer pretty much my whole life, that life's an adventure, and we have to embrace it. We have to live it to the fullest, and when we do, we're much better for it. One of the things that it does for us is it makes us, by the definition of this podcast, more unstoppable. What makes you unstoppable?   Katrin J Yuan ** 58:26 Life is an adventure. I completely agree with that sentence. I like to say, for me, it's also one day I saw it's like one big game, either you don't play, or I play and want to win it, war, whereas I think there can be several who be the winners, not only one. It's not a one man, one woman show, yeah, it's the team, it's the community, it's the effort. What makes you unstoppable? It starts for me, definitely with your mind, unstoppable mind in every means, not with your body, because the body, the physics is limited, yeah, but our mind, spirit, brain, and what you feel here in your heart and what you hear have in your head is this, ultimately, you, changing, evolving Over time, becoming you, and this makes me unstoppable, knowing and I'm on the way. It's not a point, but rather a long, long path from our phone, knowing me, the skills, knowing what you have overcome, Michael, over time, everything. Why shouldn't you achieve and do and get, ultimately, to your next goal, because you, looking back, have achieved so much already becoming stronger and stronger. If we go back to the simplified game, if it was a video game, you get to the next level. Not only getting to the next level, you're becoming more stronger. Yeah, this is becoming you and. Yeah, I believe that you are the ultimate producer. It starts in knowing, trusting, believing in you, speaking out and helping, not only yourself, but ultimately pulling, pushing others. As a community, we share many things which, when shared, becomes multiplied much, much more worth, such as visibility, value, knowledge, trust and community and connections, all these wonderful things different than a cake, if you share, it becomes more so I don't see you are alone. I see you're not an island. You're not alone. Come with us. Follow and grow with us on the journey becoming, ultimately you and you will be unstoppable   Michael Hingson ** 1:00:49 your way. And I think that's a great way to end this conversation, because I think that you cited it and said it so well and eloquently that reality is, people can be more unstoppable, but they they need to take the responsibility to make that happen, and if they do, they'll be better for it. So Katrin, I want to thank you again for being here, and I want to thank everyone who listens to this for being with us today. This has been a fun podcast. It's been a great adventure, and I really appreciate having the opportunity to keep Catrin busy for my gosh, over an hour now, and just getting to be bedtime over in Switzerland. So thank you for being here, but for all of you, hope you've enjoyed this. I hope that you will give us a five star review wherever you are listening to this podcast or watching it, and also, if you know of anyone else who ought to be a guest, we certainly like you to let us know. Love to get your thoughts about the podcast, feel free to email me at Michael H, I m, I C, H, A, E, L, H i at accessibe, A, C, C, E, S, S i, b, e.com, or go to our podcast page, www, dot Michael hingson.com/podcast. Michael hingson is spelled M, I, C, H, A, E, L, H, I N, G, s, O, n.com/podcast, Katrin, if people want to reach out to you, how would they be able to do that?   Katrin J Yuan ** 1:02:20 LinkedIn, Insta, YouTube, you find me. Google me, what's   Michael Hingson ** 1:02:25 your what's your LinkedIn, ID, your handle on LinkedIn.   Katrin J Yuan ** 1:02:29 Katrin J Yuen, Swiss, future Institute. Opportunities don't happen. We create them. Stay, follow and grow with us. Thank you.   **Michael Hingson ** 1:02:41   You have been listening to the Unstoppable Mindset podcast. Thanks for dropping by. I hope that you'll join us again next week, and in future weeks for upcoming episodes. To subscribe to our podcast and to learn about upcoming episodes, please visit www dot Michael hingson.com slash podcast. Michael Hingson is spelled m i c h a e l h i n g s o n. While you're on the site., please use the form there to recommend people who we ought to interview in upcoming editions of the show. And also, we ask you and urge you to invite your friends to join us in the future. If you know of any one or any organization needing a speaker for an event, please email me at speaker at Michael hingson.com. I appreciate it very much. To learn more about the concept of blinded by fear, please visit www dot Michael hingson.com forward slash blinded by fear and while you're there, feel free to pick up a copy of my free eBook entitled blinded by fear. The unstoppable mindset podcast is provided by access cast an initiative of accessiBe and is sponsored by accessiBe. Please visit www.accessibe.com . AccessiBe is spelled a c c e s s i b e. There you can learn all about how you can make your website inclusive for all persons with disabilities and how you can help make the internet fully inclusive by 2025. Thanks again for Listening. Please come back and visit us again next week.

Eurovision 2025 took over Basel, Switzerland, and we're back with our unfiltered American take! Join us as we review every performance from the Eurovision Song Contest 2025 Grand Final, reacting live to all 26 finalists. From shocking results to incredible vocals, wild staging, and the ultimate Eurovision 2025 winner, we cover it all. Whether you're a longtime fan or just discovering the madness through us, this honest review is packed with commentary, laughs, and big opinions on one of music's biggest nights.Join us on Patreon!: https://www.patreon.com/CCTVPOPSFollow us on social media: https://linktr.ee/cctvpops0:00 - Intro1:27 - Norway | Kyle Alessandro – Lighter 4:16 - Luxembourg | Laura Thorn – La Poupée Monte Le Son7:51 - Estonia | Tommy Cash – Espresso Macchiato12:00 - Israel | Yuval Raphael – New Day Will Rise14:49 - Lithuania | Katarsis – Tavo Akys18:46 - Spain | Melody – ESA DIVA21:57 - Ukraine | Ziferblat – Bird of Pray25:57 - United Kingdom | Remember Monday – What The Hell Just Happened?32:01 - Austria | JJ – Wasted Love35:56 - Iceland | VÆB – RÓA38:44 - Latvia | Tautumeitas – Bur Man Laimi42:40 - Netherlands | Claude – C'est La Vie45:57 - Finland | Erika Vikman – ICH KOMME49:04 - Italy | Lucio Corsi – Volevo Essere Un Duro52:25 - Poland | Justyna Steczkowska – GAJA55:57 - Germany | Abor & Tynna – Baller1:00:04 - Greece | Klavdia – Asteromáta1:03:26 - Armenia | PARG – SURVIVOR 1:07:05 - Switzerland | Zoë Më – Voyage1:10:06 - Malta | Miriana Conte – SERVING1:13:02 - Portugal | NAPA – Deslocado1:15:52 - Denmark | Sissal – Hallucination1:21:02 - Sweden | KAJ – Bara Bada Bastu1:23:35 - France | Louane – maman1:28:41 - San Marino | Gabry Ponte – Tutta L'Italia1:31:09 - Albania | Shkodra Elektronike – Zjerm1:34:57 - Overall Thoughts

My seasonal updates give you an opportunity to get to know me better. In this episode, I update you on my family, my business, my podcasts (2), and what I've been listening to, reading, watching, and playing this Spring.   Thank you for listening to episode 331 of The Pharmacist's Voice ® Podcast!   To read the FULL show notes, visit https://www.thepharmacistsvoice.com/podcast. Select episode 331.   Subscribe to or follow The Pharmacist's Voice ® Podcast to get each new episode delivered to your podcast player and YouTube every time a new one comes out!     Apple Podcasts   https://apple.co/42yqXOG  Spotify  https://spoti.fi/3qAk3uY  Amazon/Audible  https://adbl.co/43tM45P YouTube https://bit.ly/43Rnrjt   I can help you start your podcast, narrate your book, and say drug names correctly. To learn more, go to kimnewlove.com.   Family update We've been enjoying local ice cream shops, watching birds and squirrels on Kraig's Bird Buddy bird feeder camera, and replacing our wooden deck with a concrete patio and a pergola. Kraig (22) graduated from high school on May 16. His graduation party will be in June.  Derrick finished his first engineering co-op in May. He's taking classes at The University of Cincinnati this summer. Nathan is still a Plant Manager at First Solar (Perrysburg, OH). He turns 50 in June. I've been driving my BMWC400X motor scooter.  I went out to breakfast with my Mom for Mother's Day.  I went to the Annual Meeting of the Ohio Pharmacists Association in Columbus, OH in April. I'm making YouTube videos using pictures/videos from my Europe trip last Spring. Click here to watch the Netherlands leg of our journey. I'm still growing out my hair color. Not done yet!   Business Update: The Pharmacist's Voice ®, LLC My book is now available on amazon.com in print, ebook, and audiobook.  I have four consulting clients: 2 podcasting, 1 audiobook, and 1 miscellaneous project. I will be teaching Podcasting 101 again this Fall at the 577 Foundation. I may also teach Audio Engineering 101 and an iMovie class titled, “YouTube Made Simple (Mac Edition): Craft Your First Video with iMovie” I'm interested in selling social stories on https://www.teacherspayteachers.com. I renewed the Registered Trademark for The Pharmacist's Voice ®.   Podcast Update  I host The Pharmacist's Voice Podcast and The Perrysburg Podcast. Each show is published weekly.  The Pharmacist Authors Series returns this summer with three more episodes.  I bought a new audio interface (PreSonus Studio 1824C). Click to watch my YouTube video about it.  Updating software makes me nervous. This Spring, I updated the audio engineering program and the operating system on my desktop computer.   What have I been listening to? (Music, podcasts, and audiobooks) Music: We Didn't Start the Fire by Billy Joel, I can't drive 55 by Sammy Hagar, Let's Get it Started by the Black Eyed Peas and Rock Around the Clock by Bill Haley and his Comets.  Podcasts: School of Podcasting and CPhT Connect Audiobooks: Extreme Ownership by Jaco, Willink and Leif Babin and Antisemitism in America by Chuck Schumer.    What have I been reading (with Kraig)?  The Spy School series by Stuart Gibbs  The Call of the Wild by Jack London Tales from the Hump: a Kids-Eye View of the 1960s by Richard Morgan Affirm Yourself by Dr. Jerry Levin   What have I been watching? Lessons in Chemistry (TV miniseries)  Modern Family (TV series) Saturday Night Live (Season 50) The Amazing Race (TV series) Survivor (TV series) Shark Tank (TV series) YouTube: Mr. Beast (prosthetics video), Mama Doctor Jones, Jimmy Kimmel, and Stephen Colbert Red Notice (movie) Greater (movie) You're Cordially Invited (movie)   What have I been playing? The new Ticket to Ride iPad app. I have played 4 maps so far: USA, Switzerland, Europe, and Japan. https://apps.apple.com/us/app/ticket-to-ride-the-board-game/id6463616555    Previous Updates  Episode 319 Winter 2025 Update Episode 305 Fall 2024 Update Episode 291 Summer 2024 Update Episode 279 Spring 2024 Update Episode 264 Winter 2024 Update  Episode 252 Fall 2023 Update Episode 238 Summer 2023 Update Episode 217 Spring 2023 Update Episode 200 Winter 2023 Update Episode 186 Fall 2022 Update   Kim's websites and social media links: ✅ Monthly email newsletter sign-up link https://bit.ly/3AHJIaF  ✅ LinkedIn Newsletter link https://bit.ly/40VmV5B ✅ Business website https://www.thepharmacistsvoice.com ✅ Buy my book on amazon.com https://amzn.to/4iAKNBs  ✅ The Pharmacist's Voice ® Podcast https://www.thepharmacistsvoice.com/podcast ✅ Drug pronunciation course https://www.kimnewlove.com ✅ A Behind-the-scenes look at The Pharmacist's Voice ® Podcast © Online Course https://www.kimnewlove.com  ✅ LinkedIn https://www.linkedin.com/in/kimnewlove ✅ Facebook https://www.facebook.com/kim.newlove.96 ✅ Twitter https://twitter.com/KimNewloveVO ✅ Instagram https://www.instagram.com/kimnewlovevo/ ✅ YouTube https://www.youtube.com/channel/UCA3UyhNBi9CCqIMP8t1wRZQ ✅ ACX (Audiobook Narrator Profile) https://www.acx.com/narrator?p=A10FSORRTANJ4Z ✅ Start a podcast with the same coach who helped me get started (Dave Jackson from The School of Podcasting)! **Affiliate Link - NEW 9-8-23**      Thank you for listening to episode 331 of The Pharmacist's Voice ® Podcast.  If you know someone who would like this episode, please share it with them!

The USMNT's Gold Cup roster is here, and it's stirring plenty of debate. Notable absences include stars Christian Pulisic, Yunus Musah, and Jedi Robinson. Head coach Mauricio Pochettino confirmed Pulisic will rest, while Musah withdrew for personal reasons. Josh Sargent? Simply left out due to tactical preference. The spotlight this summer turns to fresh faces, with five players—Alex Freeman, Damion Downs, Sebastian Berhalter, Quinn Sullivan, and Matt Freese—set to make their senior debuts.  While familiar names like Tyler Adams and Folarin Balogun anchor the team, breakout potential lies in players like Diego Luna, Brian White, and Sebastian Berhalter, who could become national team regulars with strong showings. The big question: does this roster still scream “Gold Cup Title or Bust”?  Off the field, the timing matters. This summer was supposed to build momentum—think trophy lifts and confetti—heading into the 2026 FIFA Men's World Cup on home soil. Instead, we're left wondering who will lead this group. Tim Ream? Tyler Adams? With upcoming games vs. Türkiye and Switzerland before the group stage kicks off, it's time for new heroes to emerge. Instant Reaction: No Pulisic, Musah, Robinson (4:02) Players that will step up (21:37) Back to front roster breakdown (24:46) Alexi's projected starting XI (40:30) Stu joined 25 Words or Less gameshow (50:18) Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week, 124 countries agreed at the World Health Assembly in Geneva on measures aimed at preventing a future pandemic. The agreement very strongly favours a “One Health” approach, appreciating how so many potential pathogens originate in human-animal interactions. Still to agree on the terms of how to share pathogens and information with global science and vaccine researchers, eventually the treaty will need to be signed by at least 60 countries. But can the inequity between countries of the global south and north, and issues of intellectual property, be bridged?A new study on origins of the Nigerian mpox epidemic points strongly to zoonotic crossovers and mobility of wildlife in West Africa. Edyth Parker of Redeemer's University in Nigeria describes their phylogenetic tree.Can the bovine form of H5N1 flu infect pigs, and could domestic pig populations then provide a crucible for further variants to develop? Jürgen Richt of Kansas State University and colleagues have been investigating. We need to keep up vigilance.Lucy van Dorp of University College London, working with a consortium including London's Crick Institute, has been looking at a moment in the past when human activity provided an opportunity for a bacterial human pathogen to change its lifestyle. According to their phylogenetic tree, the bacterium Borrelia recurrentis (which causes louse-borne relapsing fever in humans) adapted and moved from ticks to human body lice around about the same time as humans started using woollen clothing.And Susan Lieberman, VP for International Policy at the Wildlife Conservation Society, was in the trenches of the Pandemic Agreement negotiations, and shares some of her hopes for its success. Image: World Health Assembly formally adopts by consensus world's first Pandemic Agreement, Geneva, Switzerland - 20 May 2025 Image Credit: Magali Girardin via EPA-EFE/ShutterstockPresenter: Roland Pease Producer: Alex Mansfield

The Great Barrier Reef is the largest reef system in the world. Covering an area of 135,000 square miles, it is bigger than the United Kingdom, Holland and Switzerland combined. Lay it out across Europe and it would reach from London to Moscow, making it is the largest living structure in the world and the only one visible from outer space.    Today, we're going to the best place in the world to experience it: Tropical North Queensland. And we're in good company with Dr Eric Fisher, a marine biologist who specializes in the Great Barrier Reef. This is a conversation is about one of the great wonders of the natural world, and what it's like to see it first-hand. But it's also about something special that Eric has introduced: Dreamtime Dives.   Most experiences on the reef tell its story from a western viewpoint. Eric has developed a new program where you can explore it from an indigenous perspective too. Guided by Aboriginal Sea Rangers, whose connection to the reef stretches back over 60,000 years, it's an opportunity to see the reef from a new perspective, and in doing so perhaps learn things about the reef we never knew before.    FIND OUT MORE Thanks again to Down Under Endeavours for partnering with us on this episode. They are the Tropical North Queensland experts and helped to connect us with the awesome guest you heard from today.    If the Great Barrier Reef is on your bucket list, head over to DownUnderEndeavours.com/Armchair to find out how you can see it for yourself. They've got lots of great ideas, and you book with them you'll get $500 off your next trip. It's a great way to support the show. (and please note my American friends, ‘endeavour' is spelt the proper British way with a U at the end  )   CONNECT WITH TODAY'S GUEST      Experience Dreamtime Dive & Snorkel at ReefUnlimited.com Find out more about Eric's research and conservation work at gbrbiology.com   If you're into real stories of epic places told by the people who've lived them, make sure to subscribe—that way you choose the adventure, not the algorithm.    Instagram: @armchairexplorerpodcast ____________________________________________________________________________ Presented by: Aaron Millar Audio & Sound Design: Charles Tyrie Produced by: Armchair Productions Learn more about your ad choices. Visit megaphone.fm/adchoices

A host of exhibitions and events this month and next celebrate the 100th anniversary of the birth of the Swiss artist Jean Tinguely, one of the godfathers of kinetic and auto-destructive art. Ben Luke speaks to Roland Wetzel, the director of the Tinguely Museum in Basel about the artist's life and work, and the events marking the centenary. In Rotterdam in the Netherlands, Fenix, a museum about migration, has just opened, featuring a dramatic stainless steel tornado form on its roof. We discuss the museum with its director, Anne Kremers. And this episode's Work of the Week is by an immigrant artist, Ben Shahn, who was born in modern-day Lithuania but travelled as a child to the US, where he became a leading painter associated with Social Realism. Among his greatest achievements was the mural The Meaning of Social Security, painted between 1940 and 1942 in Washington D.C. to reflect the benefits of the then-recent Social Security Act. Shahn is the subject of a major show that opened this week at the Jewish Museum in New York. We speak to Laura Katzman, the co-curator of the exhibition with the Jewish Museum's Stephen Brown, about Harvesting Wheat (1941), Shahn's study for one of the figures in the mural.The Tinguely Museum in Basel, Switzerland, has a permanent display of his work; Scream Machines–Art Ghost Train, by Rebecca Moss and Augustin Rebetez, Tinguely Museum, until 30 August; Mechanics and Humanity: Eva Aeppli and Jean Tinguely, Lehmbruck Museum, Duisburg, Germany, until 24 August; Niki de Saint Phalle & Jean Tinguely: Myths & Machines, Hauser & Wirth Somerset, Bruton, UK, until 1 February 2026; Niki de Saint Phalle, Jean Tinguely, Pontus Hultén, Grand Palais, Paris, 20 June-4 January 2026.The Fenix museum is open now.Ben Shahn: On Nonconformity, Jewish Museum, New York, 23 May-12 October. The book accompanying it published on 3 June by Princeton University Press, priced $45.00/£38.00.The Meaning of Social Security murals:https://art.gsa.gov/artworks/637/the-meaning-of-social-security?ctx=3bc918796c456cc8fb8e3d3f033918d4249d0ce6&idx=6https://livingnewdeal.org/sites/wilbur-j-cohen-building-shahn-frescoes-washington-dc/#lg=1&slide=1 Hosted on Acast. See acast.com/privacy for more information.

In this enlightening episode of the Neuroscience Meets Social and Emotional Learning podcast, we delve into groundbreaking territory with Dr. Fred Jordan, CEO and co-founder of Alt Vision and FinalSpark, as he joins us from Switzerland. Dr. Jordan introduces us to a revolutionary emerging technology where living neurons—nature's own processors—are set to transform the landscape of technology and artificial intelligence. Explore how bioprocessors, derived from human stem cells using advanced lab techniques, could potentially outperform traditional semiconductor devices by significantly reducing power consumption, particularly in AI computations. Understand the implications of such innovations and the ethical considerations they entail, as we navigate a future where biocomputers might fundamentally alter our technological capabilities. Join us in opening our minds to the possibilities of neuroscience-driven tech advancements, as we discuss the practical applications and visionary future that Dr. Jordan and his team are shaping, inviting curiosity and critical thinking into our evolving technological world. Watch our Interview on YouTube here https://www.youtube.com/watch?v=8D3eKkd3L4w For today's episode #363, we meet with Dr Fred Jordan, where we looked at: ✔ What is the biocomputer? ✔ What does this NEW innovative technology, make obsolete, from our past? ✔ What are the benefits of a biocomputer, and how exactly does it work? ✔ What is the vision of FinalSpark, and how can this change the future of AI? Welcome back to SEASON 13 of The Neuroscience Meets Social and Emotional Learning Podcast, where we connect the science-based evidence behind social and emotional learning and emotional intelligence training for improved well-being, achievement, productivity and results—using what I saw as the missing link (since we weren't taught this when we were growing up in school), the application of practical neuroscience. I'm Andrea Samadi, an author, and an educator with a passion for learning and launched this podcast 7 years ago now, with the goal of bringing ALL the leading experts together (in one place) to help us to APPLY this research in our daily lives. For today's episode #363, we meet with the CEO and Co-Founder of AlpVision and FinalSpark, Dr. Fred Jordan who will be joining us all the way from Switzerland. I met Dr. Jordan through LinkedIn, where he introduced his work to me, and my attention was caught. When I asked him what he does in his lab at FinalSpark, he wrote back to me that his lab has developed an emerging technology that would redefine the status quo in technology and in the ways that people work. Of course I asked him if he could explain this to me, and he wrote back that “we use living neurons, the building blocks in the brain, for processing information” and sent me the link to his website[i] where there is a live camera view of living neurons placed on electrodes, and you can see the signal from them. He went on to explain that neurons in the brain communicate using electrical and chemical stimulations and that his lab was focused on building a new generation of bioprocessors. At this point, I am sure he would know that I'm interested to learn more, mostly to understand what exactly does this mean? I wonder: Does Dr. Jordan mean that his lab is building a computer processor out of living neurons (cells from our brain)? How do they do this? What are the advantages of a bioprocessor vs using transistors (that are semiconductor devices used to amplify or switch electrical signals and power)? How does this connect to AI? What does his lab envision for the future? I have a lot of questions for Dr. Jordan, and I am coming from the point of view that I really want to learn and understand what his lab has created. I want to be able to explain his idea to our audience in a way that we can all come away with some new knowledge and understanding about the future, and how keeping an open mind while learning can set us apart from others, and even give us a razor's edge advantage in whatever work we are doing in the world. Let's meet Dr. Fred Jordan, and together, learn about the work they are doing at FinalSpark in Switzerland, and see if it can expand of thinking, and take us to new heights with the new awareness we will gain today. INTRO Q: Welcome Dr. Fred Jordan. Thank you for reaching out to me, and opening up my mind to something that while writing these questions, I still didn't completely understand. Can you explain what exactly is a biocomputer and why would anyone want to have a computer that uses living neurons instead of transistors to process information? Q1: As someone who loves entrepreneurship, or those people in the world who create new ideas that change the world, can you tell me how where this idea began? Q2: I did listen to one of your podcast episodes[ii] about “The Future of AI: How Biocomputers Will Change Everything” so I could wrap my head around what you do at FinalSpark, and it brought me to something I heard longevity researcher Dr. David Sinclair say that I will never forget. He said “we can make a mouse in a lab out of stem cells.” Can you explain where these neurons come that you are using come from and also help me to understand what Dr. Sinclair meant when he said they can make a mouse out of stem cells? Q3: For someone who doesn't have a formal background in science, but I want to learn difficult concepts, and be able to explain them to others, can you explain how these living neurons work? Q4: What is the advantage of using a biocomputer and what problems does this solve? They consume 1 million X less than digital computers, quantum computers still in R&D stage Q5: What industries will be changed with the biocomputer? (semi-conductor industry) or what other applications can you think of that this type of computer can have (maybe medical applications)? Q6: What types of feedback are you hearing about the biocomputer? Do people think it's acceptable to use living neurons for computation? Q7: Who are the leaders in this type of research? What other countries do you know of, where labs are working on this type of computer? Q8: What Universities have approached you to learn more about this neuro-platform? Q9: What is your vision for FinalSpark, and how do you think this will change the future workforce? Q10: This topic made me think and I found it difficult to grasp, but am very interested in learning more about how this concept could change everything that we know about the way we work and use computers. What would you say to me to show me that having an open mind will set me apart from others, or give me an advantage maybe in the future? Q11: Is there anything I have missed, or anything important that our listeners should know about?  Dr. Jordan, I want to thank you for taking the time to speak with me about what you have created at FinalSpark. I'm very interested in NEW ideas, especially those that will change the way we operate and live our lives, exponentially. I remember hearing a quote from Gordon Moore, Intel's co-founder and the author of Moore's law many years ago in reference to the fact that “the number of transistors in an integrated circuit doubles roughly every 2 years” and this trend has driven the exponential growth of computing power and efficiency , leading to faster processors and smaller devices. He said “frankly, I didn't expect to be so precise” with his prediction. What do you think when you have the power of the biocomputer, and George Moore's quote, of the potential of what you have created at FinalSpark? For people to connect with you and learn more, what is the best way? CONNECT with Dr. Fred Jordan   LinkedIn https://www.linkedin.com/in/fred-jordan-anticounterfeiting-brandprotection-authentication/   REFERENCES:   [i] https://finalspark.com/live/   [ii] Dr. Fred Jordan on the Future of AI: How Bio-Computers Will Change Everything https://podcasts.apple.com/us/podcast/season-5-ep1-dr-fred-jordan-co-founder-of-finalspark/id1756198461?i=1000686503506    

Our time in Switzerland is over, and a new Eurovision winner has hoisted the glass microphone! We talk through all performances from the Grand Final and those that didn't make it from Semi 2, as well as break down the voting from this year's contest. Jeremy votes in Eurovision for the first time ever, Dimitry finally gets the better of Stefan Raab, and Oscar celebrates JJ, wasted love or not. Watch the Grand Final and the Semis on SVT Play: https://www.svtplay.se/video/8rQdwrw/eurovision-song-contest/final?video=visaThis week's companion playlist: https://open.spotify.com/playlist/6PTGP49h5yyjxJ6TWYPMWs The Eurovangelists are Jeremy Bent, Oscar Montoya and Dimitry Pompée.The theme was arranged and recorded by Cody McCorry and Faye Fadem, and the logo was designed by Tom Deja.Production support for this show was provided by the Maximum Fun network.The show is edited by Jeremy Bent with audio mixing help was courtesy of Shane O'Connell.Find Eurovangelists on social media as @eurovangelists on Instagram and @eurovangelists.com on Bluesky, or send us an email at eurovangelists@gmail.com. Head to https://maxfunstore.com/collections/eurovangelists for Eurovangelists merch. Also follow the Eurovangelists account on Spotify and check out our playlists of Eurovision hits, competitors in upcoming national finals, and companion playlists to every single episode, including this one!

In this episode, Carmen Bellebna will share with us the journey of deepeye Medical to implement the EU AI act requirements in parallel with the EU MDR certification. We will review first what is the AI ACT for those that are still not aware and also all the challenges that deepeye went through to be able to get the EU MDR certification.  Who is Carmen Bellebna?  Carmen Bellebna is a Regulatory Affairs and Quality Management expert at deepeye Medical, a medtech company pioneering AI-driven solutions for ophthalmology. With a strong background in implementing EU regulatory frameworks, Carmen has been closely following the evolution of the Artificial Intelligence Act (AI Act) and its intersection with the Medical Device Regulation (MDR). She has played a key role in integrating AI-specific compliance strategies into deepeye's QMS, ensuring alignment with both MDR and upcoming AI requirements. Carmen recently delivered a well-received presentation at the Outsourcing in Clinical Trials (OCT) conference in Munich, where she shared hands-on insights and practical tips for operationalizing AIA obligations within a regulated medtech environment.     Who is Monir El Azzouzi?  Monir El Azzouzi is the founder and CEO of Easy Medical Device a Consulting firm that is supporting Medical Device manufacturers for any Quality and Regulatory affairs activities all over the world. Monir can help you to create your Quality Management System, Technical Documentation or he can also take care of your Clinical Evaluation, Clinical Investigation through his team or partners. Easy Medical Device can also become your Authorized Representative and Independent Importer Service provider for EU, UK and Switzerland.  Monir has around 16 years of experience within the Medical Device industry working for small businesses and also big corporate companies. He has now supported around 100 clients to remain compliant on the market. His passion to the Medical Device filed pushed him to create educative contents like, blog, podcast, YouTube videos, LinkedIn Lives where he invites guests who are sharing educative information to his audience. Visit easymedicaldevice.com to know more.  Link Carmen Bellebna LinkedIn:  https://www.linkedin.com/in/men-be-a1828a81/   Social Media to follow Monir El Azzouzi Linkedin: https://linkedin.com/in/melazzouzi Twitter: https://twitter.com/elazzouzim Pinterest: https://www.pinterest.com/easymedicaldevice Instagram: https://www.instagram.com/easymedicaldevice Authorized Representative and Importer services:https://easymedicaldevice.com/authorised-representative-and-importer/ 

Snacks on during outdoor adventureshish have always been an obsession of mine, always trying to find something new and tasty. Fortunately, Emma came to save all of us with her new book, Oat of Joy a recipe book and an Oatobiography. We talked about it and about much more in this episode of the BroomWagon Podcast with the awesome, incredible, brilliant Emma Pooley.Episode notes:Oat to Joy: https://www.emmapooley.net/oat-to-joy/ Buy Oat to Joy in the UK: https://alpkit.com/products/oat-to-joy-recipes-emma-pooleyBuy Oat to Joy in Switzerland: https://vertical.coffee/pages/oat-to-joyBuy Oat to Joy in EU: https://iris.cc/products/recipes-oat-to-joyOat to Joy Vernissage in Zurich: https://www.eventbrite.ch/e/oat-to-joy-book-vernissage-tickets-1355302880399Voice by: Stefano Nucera aka Calamaro https://instagram.com/calamaroccPhotos by: Music by: Bonus Point https://bonuspoints1.bandcamp.com/The BroomWagon Podcast

See pictures and read more on materiallyspeaking.comOriginally from Zurich, Maja was always keen to leave Switzerland and with an Italian grandmother perhaps Italy was always going to be her destination. She moved to Italy in 1991.She speaks to us about how her approach to work has changed. When she was young she liked seeing the impression her hands made on the work, while now she seeks smoothness and perfection.We meet Maja at her home - Artists Hill - an old farmhouse, surrounded by olive groves and a huge vegetable garden, which she has renovated into a home, studios, and a part that she rents out.First Maja shows us the room where she draws, and then we move over to her new modelling studio, opposite the house.In the middle of this room, towering above her, is a spiral column. It's a plastercast - soon to be realised in acrylic resin and earth.Maja tells us about a bas relief project in 16 panels called dressing. The question she originally posed was, “Can we change religion like clothes or is religion something inherent to us, you know, is it like part of us?"One of Maja's first pieces was Extension of Ego and now it takes pride of place in her studio. Maja still loves it and it represents the theme she still develops of externalising human traits in her work.Labrynth is another of Maja's pieces that follows the theme of a body's outside reflecting what is inside.majathommen.chinstagram.com/thommenmaja

Nickocy Phillips, a youth activist and entrepreneur, grew up in Buccoo Point, Tobago. She pursued an Associate Degree in Applied Science in Pharmacy at the College of Science, Technology and Applied Arts of Trinidad and Tobago (COSTAATT). She also obtained certifications in communication, micro-business, and entrepreneurship from the Youth Training and Employment Partnership Programme (YTEPP) Ltd. She became a notable dance choreographer and a skilled musician, playing the steel pan. Her commitment to youth advocacy led to her election as the youngest youth officer of the Buccoo Village Council. In 2015, Phillips gained national recognition by placing in the top ten of Trinidad and Tobago's first Youth Prime Minister Competition. This achievement laid the foundation for her role as an ambassador for the NGO TT Youths Will Rise (TTYR), which she co-founded, focusing on on community organization, education, and youth development, culminating in her representation of Trinidad and Tobago at the United Nations' 63rd Session on the Commission of the Status of Women in 2019. Phillips launched her political career as an independent candidate for the Tobago West seat in the August 2020 general elections. She founded the Unity of the People party, promoting transparency, equality, accountability, and unity for all. Nickocy emphasizes the need for self-governance, improved tourism, and better financial independence for Tobago. She pledged to represent all Tobagonians impartially and to address pressing issues such as the air and sea bridge services, local governance, and equitable distribution of resources. She has outspokenly criticized governmental policies, including mandatory vaccination initiatives, emphasizing individual rights and informed choices. Her background in pharmacy informs her advocacy in public health, urging proper education around vaccinations and health resources. Included in diplomatic discussions regarding bilateral agreements in Switzerland and Sierra Leone, Phillips continues to push for international collaboration to benefit young people in Tobago and Trinidad. Her initiatives include advocating for sustainable development projects aimed at creating job opportunities and enhancing the overall welfare of her community. She often conducts walkabouts to connect with residents. Her approach to politics eschews flashy presentations in favor of substantive conversations, aiming to gain a deeper understanding of her constituents' needs. Phillips believes in empowering the youth of Tobago, dedicating her time to orchestrating programs that address their challenges. She envisions establishing a comprehensive facility offering services to various demographics, including young people, single parents, and battered women. This initiative reflects her commitment to fostering a safe and supportive environment for vulnerable groups in Tobago. In summary, Nickocy Phillips embodies a blend of compassion, tenacity, and vision. Her journey reflects an unwavering commitment to uplifting her community, advocating for the rights of the marginalized, and fostering a more inclusive and equitable society. As her career unfolds, Phillips is poised to influence the political landscape of Tobago, driven by her dedication to service and community empowerment.Connect with Ambassador Nickocy Phillips: FB- Political Leader N Phillips

How is hospitality education evolving? Nicolas Graf, chaired professor and Associate Dean at New York University's Jonathan M Tisch Center of Hospitality, joins Dan today to discuss the realm of hospitality education. Their discussion spans Nicolas's unique career path that started from being a high school dropout and chef apprentice in Switzerland, to becoming a chaired professor of hospitality. They explore the essential role of hospitality in everyday life and its potential for significantly impacting careers. The two dive into the future of hospitality education, emerging pathways for students and apprentices, and the substantial impact of hosting hospitality conferences. The episode also highlights the importance of saying 'yes' to opportunities, the evolution of the experience economy, and how institutions like NYU are shaping the future of the hospitality industry.Takeaways: Say "yes" more often to opportunities that come your way, even if they are outside your comfort zone. These can lead to unexpectedly positive outcomes and career paths.Recognize that the hospitality industry offers multiple pathways, including traditional four-year degrees, apprenticeships, and associate degrees that can credit work-based experience. Explore these options based on your circumstances and goals.Take advantage of financial aid and scholarships offered by institutions like NYU, especially if financial constraints are a concern. These avenues can significantly reduce the economic burden of higher education.Understand that the principles of hospitality (such as making people feel cared for and appreciated) are applicable across various industries beyond hotels and restaurants. Develop and leverage these skills to enhance your career in any field.Strive to positively impact others through your work. Whether you're an educator, manager, or employee, making a difference in people's lives is deeply rewarding.Be open to different roles and industries throughout your career. Experiences in jobs like hotels, consulting, and even internships can provide diverse skills and perspectives that are highly valuable.Quote of the Show:“ One thing that's always been exciting for me is when you can positively impact someone else, and that's probably why I am doing what I'm doing.” - Nicolas GrafLinks:LinkedIn: https://www.linkedin.com/in/nicolas-graf/ Website: https://www.nyu.edu/ Shout Outs:0:41 - TAM's Incubator https://tamsincubator.com/ 0:49 - Jonathan M Tisch Center of Hospitality https://www.sps.nyu.edu/homepage/academics/divisions-and-departments/jonathan-m--tisch-center-of-hospitality.html 5:24 - Virginia Tech https://www.vt.edu/ 6:29 - University of Houston https://uh.edu/ 6:34 - Essex Business School https://www.essex.ac.uk/departments/essex-business-school 6:42 - Cornell University https://www.cornell.edu/ 10:37 - Pennsylvania State University https://www.psu.edu/ 12:15 - Langone Health NYU https://nyulangone.org/ 12:26 - Harvard University https://www.harvard.edu/ 14:43 - National Academy Foundation https://naf.org/ 15:30 - Marriott Family Foundation https://www.jwasmarriottfoundation.org/ 15:51 - Bill Marriott Institute of Hospitality https://hospitality.utah.edu/ 16:01 - University of Utah https://www.utah.edu/ 17:43 - Howard University https://howard.edu/ 17:46 - Marriott-Sorenson Center for Hospitality Leadership https://business.howard.edu/hospitality-leadership 20:23 - Pyramid Hospitality Group https://www.pyramidglobal.com/ 22:30 - Danny Meyer https://en.wikipedia.org/wiki/Danny_Meyer 22:32 - Setting the Table https://www.amazon.com/Setting-Table-Transforming-Hospitality-Business/dp/0060742763 24:01 - Pine and Gilmore https://strategichorizons.com/pine-and-gilmore/ 24:56 - Macy's https://www.macys.com/ 25:16 - Adrian Cheng https://www.linkedin.com/in/adrian-cheng-chi-kong/ 25:21 - Rosewood Hotels https://www.rosewoodhotels.com/en/default 27:18 - Ritz Carlton https://www.ritzcarlton.com/ 28:35 - Hilton https://www.hilton.com/en/ 29:19 - Capital One https://www.capitalone.com/ 29:56 - Wall Street Journal https://www.wsj.com/ 30:04 - Tiffany's https://www.tiffany.com/ 32:45 - Norwegian Cruise Line https://www.ncl.com/ 34:23 - Citizen M https://www.citizenm.com/ 42:45 - Johnson and Wales https://www.jwu.edu/ 42:58 - Chip Wade https://chipwade.com/ 42:59 - Union Square Hospitality Group https://www.ushg.com/ 43:02 - Marcus Samuelsson https://en.wikipedia.org/wiki/Marcus_Samuelsson 50:44 - Questrex https://questex.com/ 

Welcome to the Art of Value Whispering podcast   Do you think you're bad at sales because you're quiet, thoughtful, or introverted? Think again.  ‍ In this week's episode, I'm spotlighting some of the most powerful insights from past sales experts who've reframed what it means to sell, without the pushy tactics or fake confidence. ‍ If you've been avoiding sales conversations, second-guessing your value, or just not sure how to guide potential clients to a yes… this episode will be a game changer for you.   Join me in this insightful episode to learn why your introverted strengths are actually your sales superpowers, how to guide potential clients to a yes with calm confidence, and what to do when selling feels awkward or unnatural. ‍

The boys head to Japan this week to discuss Akira Kurosawa's “Yojimbo”. Starring Toshiro Mifune, the film is considered one of the most influential movies of all time. It's so influential that an entire series of westerns ripped it off so good they couldn't be released in the US for years due to threats of lawsuits. Anyway, this film is awesome, but did the boys think it stands up to the other Kurosawa greats? Grab a beer and tune in!  Our phone number is 646-484-9298. It accepts texts or voice messages.  0:00 Intro; 8:56 “Sinners” follow-up; 14:30 Gripes; 21:31 1961 Year in Review; 45:26 Films of 1961: “Yojimbo”; 1:30:53 What You Been Watching?; 1:38:58 Next Week's Movie Announcement Additional Cast/Crew: Toshiro Mifune, Tatsuya Nakadai, Fukuzo Koizumi, Takao Saito, Daisuke Katō, Masaru Sato, Kazuo Miyagawa, Akira Kurosawa.  Hosts: Dave Green, Jeff Ostermueller, John Say Edited & Produced by Dave Green. Beer Sponsor: Carlos Barrozo Music Sponsor: Dasein Dasein on Spotify: https://open.spotify.com/artist/77H3GPgYigeKNlZKGx11KZ 
Dasein on Apple Music: https://music.apple.com/us/artist/dasein/1637517407 Additional Tags: France, The War of 1812, Napoleon, Russia, Russian History, Aristocracy, Dueling, Swans, Ducks, Chickens, Generals, Mean Streets, Taxi Driver, Black Mirror, Slow Horses, The First Look, Ben Mendelsohn, French Accents, The Monuments Men, George Clooney, The Stock Market Crash, Bear Market, Trains, Locomotions, Museums, Fuhrermuseum, Nazis, WWII movies, WWI Shows, Plastic ExplosivesThe Crusades, Swedish Art, Knights, Death, MGM, Amazon Prime, Marvel, Sony, Wicked, All Quiet on the Western Front, Wicked, Conclave, Here, Venom: The Last Dance, Casablanca, The Wizard of Oz, Oscars, Academy Awards, BFI, BAFTA, BAFTAS, British Cinema. England, Vienna, Leopoldstadt, The Golden Globes, Past Lives, Monarch: Legacy of Monsters, The Holiday, Sunset Boulevard, Napoleon, Ferrari, Beer, Scotch, Travis Scott, U2, Apple, Apple Podcasts, Switzerland, West Side Story, Wikipedia, Adelaide, Australia, Queensland, New South Wales, Melbourne, Indonesia, Java, Jakarta, Bali, Guinea, The British, England, The SEC, Ronald Reagan, Stock Buybacks, Marvel, MCU, DCEU, Film, Movies, Southeast Asia, The Phillippines, Vietnam, America, The US, Academy Awards, WGA Strike, SAG-AFTRA, SAG Strike, Peter Weir, Jidaigeki, chambara movies, sword fight, samurai, ronin, Meiji Restoration, plague, HBO Max, Amazon Prime, casket maker, Seven Samurai, Roshomon, Sergio Leone, Clint Eastwood, Stellen Skarsgard, the matt and mark movie show.  

Today on Collectors Gene Radio, I welcome Vincent Brasesco, a true connoisseur whose passion for mechanical artistry has taken him from curious teenage collector to Vice President and Watch Specialist at Sotheby's. Vincent's journey has traversed the vibrant subcultures of Wall Street wristwear, the pioneering spirit of Analog Shift, the retail sophistication of Watches of Switzerland, and the digital influence of Watchonista—all culminating in his current role within the world of international auctions.We explore not only the watches themselves, but the psychology of pursuit: the irresistible pull of the next bid, the truth behind phone bidding, and the nuanced dance between personal passion and professional responsibility.We'll also step inside the inner sanctum of RollieFest, the invitation-only gathering of the world's most devoted vintage Rolex collectors, where trust, passion, and an unwavering commitment to excellence converge in a spectacle few are privileged to witness.So please enjoy, this is Vincent Brasesco, for Collectors Gene Radio.Vincent's Instagram - https://www.instagram.com/vbrasesco?igsh=dTBvYTN0cGN6anV4Sotheby's Watches - https://www.sothebys.com/en/departments/watchesCameron Steiner - https://www.instagram.com/cameronrosssteinerCollectors Gene - https://www.collectorsgene.com

Today on Too Opinionated, we talk with actor/stuntman Alex Grech! After high school, Alex took a brief hiatus from acting and spent several months working as a paralegal, laborer, and bartender in Australia, raising money to fulfill his dream of embarking on a global trip. His dream came true, and, in 2019, he set out backpacking around the globe for eleven months, visiting places such as India, Switzerland, Prague, and Budapest. In 2020, he officially made the move to New York City to study at NYU's TISCH School of Arts, learning at the school's prestigious Experimental Theatre Wing. It wasn't until 2024, however, that Alex landed his breakout role as Tommaso in Juliet & Romeo, relocating to Verona, Italy for six months, where he trained with the stunt team and the horse stunt teams to become proficient in performing his own stunts in the film. After several months of training in stunt work, Alex was offered the opportunity to become the stunt double for Romeo as well. Alex is also passionate about campaigning for more research in the medical field, to help discover preventative measures that treat cancers and neurological conditions such as Alzheimer's and Parkinson's – diseases that have directly impacted his life and the life of his loved ones. He also devotes his time to raising awareness for mental health initiatives.   Want to watch: YouTube Meisterkhan Pod (Please Watch)

The Suite Spot travels to the heart of Orlando, Florida, to visit the luxurious and one-of-a-kind property, Conrad Orlando!  This hotel and resort is unlike any other with its sensational amenities, lavish suites, breath taking beaches, and centralized lagoon right in the middle of the resort. General Manager at the property, Sean McCarron, joins the podcast to discuss the stellar guest experience offered to travelers, the Conrad brand, social media, and why this hotel is a must visit the next time you are in Orlando.  Tune in now. Ryan Embree: Welcome to Suite Spot, where hoteliers check in, and we check out what's trending in hotel marketing. I'm your host, Ryan Embree. Hello everyone. Welcome to another episode of The Suite Spot. This is your host, Ryan Embree and I hope you are watching us today on our YouTube channel because as you can tell, we are not in the Suite Spot podcast studio. We are instead at the beautiful Conrad Orlando here with me, Sean McCarron, general manager of the Conrad Orlando.Thank you so much for being with me today. Sean McCarron: It's a pleasure to be here and thank you for coming and seeing us today. Ryan Embree: Yeah. Thank you for hosting us at this incredible property. We're gonna talk all about it today. This is our Suite Spot Spotlight series showcasing some of the most unique hotels. This one certainly fits the bill. But before we get talking about the property, what I love talking about, this is your first time on the podcast, hospitality people come from all different places. Sometimes they're born into the industry, sometimes they're jumping from brands. Tell us about a little bit about your journey behind the scenes. Sean McCarron: Well, I've been in the business for over 30 years, believe it or not and all in luxury. So I went to hotel school out in Switzerland, and once I graduated from hotel school, I came out and went back to the States and started with the Ritz Carlton. So I was with the Ritz Carlton Hotel Company in various different areas and opening hotels for about six years. And then went to Four Seasons and spent about 16 years with the Four Seasons hotel company, opening other hotels and again, you know, variety of different locations. And then started with Hilton Luxury at the Waldorf Astoria here in Orlando about nine years ago, and been on this project for the last three here at the Conrad Orlando. Ryan Embree: Incredible. And that taste of luxury from different brands, I'm sure that certainly gave you a unique perspective as your journey led you here at the Conrad Orlando. Sean McCarron: Oh, it certainly did. You get different viewpoints from every location that you, that one works in from urban environment to a resort environment to, you know, Las Vegas I spent some time in as well. Opening hotels, all of it kind of lends to a broader experience in order to open this beautiful property. Ryan Embree: Let's talk about the Conrad brand, right. It's unique, known for its design and how it's built. For those that may not be familiar with the Conrad brand, what's the flavor? What makes it unique? Why do travelers love this brand? Sean McCarron: Their main pillars for the Conrad as a brand itself, one of them is bold design, as you had, as indicated. Experiences are also a big part of what we do from a Conrad brand perspective. This hotel is no different than any of our others. I think it's quite unique in the fact that a lot of the design element is based upon water. So lots of blues and refractive lighting, very contemporary feel throughout the resort. Lots of natural light, floor to ceiling windows from a design element. From an experiences element, I mean, you walked around this resort, there's a stunning lagoon right down the middle of it with beaches surrounding it and a lot of activations and a lot of activities from a resort perspective here in Orlando that make it very, very unique. Ryan Embree:

If you've ever dreamed of taking the perfect Switzerland road trip, this episode will help you turn those dreams into reality! Join me as I chat with Sandra Babey from Switzerland Tourism about one of the best scenic drives in Switzerland—the iconic Grand Tour of Switzerland.In this episode, you'll discover everything you need to know about embarking on this epic 1,600-kilometre circular route, designed to showcase the most picturesque landscapes, famous landmarks, and hidden gems Switzerland has to offer. From sparkling lakes and dramatic mountain passes to charming villages and UNESCO World Heritage sites, Sandra reveals what makes the Grand Tour of Switzerland by car a must for every traveler who loves independent adventures.Whether you're looking to do the full Grand Tour of Switzerland or just add a few scenic drives in Switzerland to your itinerary, this episode is your go-to resource for expert advice, sustainability tips, and itinerary inspiration. Plus, find out how to book self-drive packages and the most convenient places to stay along the way.Ready for the road trip of a lifetime? Tune in and get ready to plan your unforgettable Switzerland self-drive vacation.Safe travels,Carolyn

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links-Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.0:00 US Weather Update2:25 US Crop Progress6:51 Argentina Flooding10:09 China is Chirping11:21 Corn Shipments are Strong13:07 Meal Flash Sale

Patrick addresses Catholic school vaccination policies, overcoming spiritual hardships, and shares how callers trust in God during uncertainty. Patrick offers clarity through early Church writings, guidance on handling spiritual oppression, and practical advice about choosing the right educational resources, highlighting Kolbe Academy. Dan - I went through the same experience coming back to the Church. Reading about the Apostolic Fathers helped me. Protestants never look at the history of the Church. (01:31) Kate - My son is going to a Catholic school, and he is fully vaccinated. I am questioning some of the vaccinations that they are asking for. Is there anything that I can do to go around these requirements? (05:32) Laura - Can we be spiritually oppressed or attacked? (14:12) Rocio - I wanted to encourage Kate. I stumbled on Kolbe Academy because of Relevant Radio. (27:56) Susanne – My friend called and said she will be going to Switzerland for assisted suicide. What can I do? (32:48) Francisco (email) – What’s the name of that book? Answer: “The Spiritual Combat” by Lorenzo Scupoli (41:05) Robert - Is the relationship in the Trinity akin to being the vine and branches? (42:14) Nicholas - How do you understand Revelations 21:8.? What is a 2nd death? (44:41)

The 69th Eurovision Song Contest took place over the weekend in Switzerland, the country where it all began in 1956. Paul Jordan, whose doctoral thesis about the music competition earned him the nickname "Dr. Eurovision," recaps this year's performances. Plus, listeners share their favorite songs and artists.

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe [CB] is pushing that tariffs are going to raise prices, it hasn't happened yet so they will try to show the people by raising prices, Trump is calling them out on this. The Fed has been in a holding pattern, Moody's just downgraded the US credit rating, picture becoming clearer. The big beautiful bill will destroy the fake news/D's narrative. Economic boomerang. Trump is exposing the entire [DS] system, the people need to see this. The system is fighting against Trump and We The People every step of the way. Trump needed the people to see this if we were going to go to the next phase, the people needed to approve Trumps next actions. Trump is now bringing in the Clinton/Obama angle. Did Trump just set the stage that all roads lead to Obama? Scavino sends message that the military might be the only way.   Economy  (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Foreign Investors Loaded Up on Treasury Securities in March Despite all the Turmoil in the Media  And in April, their purchases of long-term securities at Treasury auctions increased.  Buying US Treasury securities was all the rage among foreign investors in March, despite whatever turmoil there was in the media. All foreign investors combined, from central banks to private investors, increased their holdings of Treasury securities by $233 billion in March from February, and by $942 billion over the past 12 months, to a record $9.05 trillion (red in the chart). The majority of what they bought were long-term Treasury securities, which increased by $133 billion to a record $7.63 trillion, according to data by the Treasury Department Friday afternoon (blue in the chart). The buying was across the major holders, except for China and Hong Kong combined, and for Ireland. Of particular note: Canada's holdings of Treasury securities spiked majestically in February and March, despite the tariffs and the ultra-sour mood in Canada about US-anything. Increases in March, and total Treasury holdings: United Kingdom: +$29 billion, to $779 billion Luxembourg: unchanged, at $412 billion Cayman Islands: +$37 billion to $455 billion Ireland: -10 billion to $329 billion Belgium: +$7 billion to $402 billion Switzerland: +$21 billion to $312 billion.   Source: wolfstreet.com https://twitter.com/KobeissiLetter/status/1923470842089902157 Moody's downgrade of US rating may not dent stock markets much: Analysts Global financial markets may not react much to Moody's Ratings downgrade of United States' rating from AAA to Aa1, believe analysts, except for a knee-jerk reaction, if any. At the domestic level, Indian stock markets would be focussed more developments such as progress of monsoon, corporate results and economic data. Talks on tariff-related issues with the US will also impact sentiment.   Moody's downgrade, they said, was more to get the rating in sync with Fitch and S&P, who have already downgraded US' ratings. While Fitch had downgraded the rating to AA+ from AAA in August 2023, S&P had lowered US' rating back in August 2011.  Source: business-standard.com https://twitter.com/KobeissiLetter/status/1923496054017708041   The ‘Big,

Hamas has confirmed it's started a new round of ceasefire talks with Israel, as the IDF continues its new offensive in Gaza. Newshour hears from Gaza City itself.Also in the programme: Voyager 1 reactivates its thrusters; and Eurovision gets underway in Switzerland.(Picture: A Palestinian makes his way with belongings as he flees his home, after Israeli air strikes, in the northern Gaza Strip. Credit: Reuters)

EUROPE. NO LEADER. ANATOL LIEVEN. 1916 SWITZERLAND

Will President Donald Trump suspend habeas corpus? Can he? What even is habeas corpus? We keep hearing that the United States is being invaded and that's really the first thing we need to answer. Mayor Ras J. Baraka was arrested after forcing his way into an ICE facility. Let's see how the Leftists want to spin this. Trump posted on Truth Social about prescription drugs.Liberation Day saw China hit with tariffs that eventually rose to 145%. Secretary of the Treasury Scott Bessent met with Chinese officials in Switzerland to come to some kind of trade deal and it's looking good. Are there more wins coming for the Trump administration?GUEST: Josh FirestineLet American Financing help you regain control of your finances. Go to https://americanfinancing.net/crowder or call 1-800-974-6500. NMLS 182334, http://nmlsconsumeraccess.org/Link to today's sources: https://www.louderwithcrowder.com/sources-may-12-2025DOWNLOAD THE RUMBLE APP TODAY: https://rumble.com/our-appsJoin Rumble Premium to watch this show every day! http://louderwithcrowder.com/PremiumGet your favorite LWC gear: https://crowdershop.com/Bite-Sized Content: https://rumble.com/c/CrowderBitsSubscribe to my podcast: https://rss.com/podcasts/louder-with-crowder/FOLLOW ME: Website: https://louderwithcrowder.com/ Twitter: https://twitter.com/scrowder Instagram: http://www.instagram.com/louderwithcrowder Facebook: https://www.facebook.com/stevencrowderofficialMusic by @Pogo