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EP299 - Thanksgiving Week 2022 with Rob Garf of Salesforce A discussion of Thanksgiving Week 2022 from a retail perspective with Rob Garf, Vice President and General Manager, Retail at Salesforce. This is Robs' fourth time on the show, having previously been on episodes 110, 248, and 282. Thanksgiving week 2022 will go down as one of the most complicated holiday weeks on record. With covid impacts still in place, a global economic crisis, supply chain disruptions, labor shortages, new retailer discounting practices, and new consumer behaviors we have a lot to unpack. This episodes covers a wide range of topics around the most important shopping week of the year. We make liberal use of real-time data from Salesforce Shopping Insights HQ, which tracks how 1.5+ billion consumers are shaping shopping trends. You can see a real-time holiday dashboard, powered by Tableau so you can interact with the data yourself on the Salesforce Holiday Insights page. Episode 299 of the Jason & Scot show was recorded on Tuesday November 29th, 2022. http://jasonandscot.com Join your hosts Jason "Retailgeek" Goldberg, Chief Commerce Strategy Officer at Publicis, and Scot Wingo, CEO of GetSpiffy and Co-Founder of ChannelAdvisor as they discuss the latest news and trends in the world of e-commerce and digital shopper marketing. Transcript Jason: [0:23] Welcome to the Jason and Scot show this is episode 299 being recorded on Tuesday November 29th 2022 the day after Cyber Monday I'm your host Jason retailgeek Goldberg and as usual I'm here with your co-host Scot Wingo. Scot: [0:41] Hey Jason and welcome back Jason and Scot show listeners Jason it wouldn't be a delicious turkey five if we didn't have our regular holiday guests robbed our van Rob is the vice president and general manager I think it's total maybe longer than yours a retail at Salesforce let's see those two forces that's like eight words so you need to get to work this is Rob's fourth appearance on the Jason Scott show he was here for episode 1 10 to 40 9282 and back for number four here and episode 299 Rob welcome back. Rob: [1:15] Gentlemen it is such a pleasure to join you today I can't wait to talk about cyber week. Jason: [1:21] It wouldn't be a several week if we weren't talking to you Rob and as a I feel like a special bonus for me two of the three people on this podcast have received a 10 out of 10 rating from room Raider. Rob: [1:33] Hmm who Could That Be Well I know you did it because you have a sweet pillow that shows it off. Jason: [1:39] And I think I feel like you got up before me. Rob: [1:42] I think so you know I gotta tell a really funny story quickly if I can I was doing early on in the pandemic a webinar I think it was probably with. Business Insider and they brought like a staging expert online and I thought I had the best background I had like a. Something like my wife got me for my 40th birthday long time ago by the way I like 1910 or 1920 National Cash Register in the background I felt all good about that and she totally. Blew up my room and thankfully she did cuz I turned out on top with a 10/10. [2:18] I know I probably shouldn't have given that away but I felt pretty cool about it. Scot: [2:21] Jason had a team of 10 people at publicist set his up so don't don't don't listen to him. Rob: [2:26] Either and he probably gets like product placement dollars as well as a influencer for all the cool things he has in the. Scot: [2:33] And they came in from France. Jason: [2:34] And side note on that the jury is out on whether giant marketing holding companies can actually help your sales but they can for sure help you win Awards. Rob: [2:43] Congratulations. Scot: [2:46] Well Rob weird. Rob: [2:47] Scot the trifecta anyways we digress. Scot: [2:49] Well yes some of us I guess my day job I'm like I don't know not really working on my room. Rob: [2:55] Actually you are about to say you're actually working or aren't ya. Scot: [2:59] Well yeah the so in case even though this is your fourth time around let's there's definitely we always pick up millions of new listeners so let's if you could recap the data that you guys have at Salesforce where it comes from and then you know we're recording this the day after Cyber Monday you've got some hot delicious fresh data will jump in after you kind of give the high-level overview in case people aren't aware. Rob: [3:25] I can't wait I'm loving it we've been swimming through this data for a better part of the we can't wait to share it with your crowd your audience yeah so by way of introduction again Rob Garf here. With Salesforce I came to Salesforce by way of the demandware acquisition which is about. Six years ago I spent five years prior at demandware on the GM for retail what that means is I oversee our product. And solution strategy along with our industry insights team and that's what gives me the great pleasure of talking cyber week and actually providing insights and intelligence for our customers all year long and the way we do that is all the data that flows through the platform we bubble that up we obviously strip out all pii data. And in its aggregate form billions of billions Shoppers it gives us an amazing read and pulse on the industry and we publish at throughout cyber week on our shopping insights HQ it's an interactive dashboard, built on Tableau and it really allows our customers the broader industry to understand what's going on in digital and be able to Benchmark themselves. Scot: [4:32] Frequent thanks for that summary so let's start with the kind of the elephant in the room I get this question and Jason does a lot as well you know I'm a CNBC junkie and all they talk about is inflation and recession so so anything kind of in the macroeconomics showing up in the data that you've seen. Rob: [4:51] Yeah absolutely and I think it's important to understand this holiday while the global numbers look really promising much of that if not all of that growth was concentrated. In the u.s. there's a bunch of headwinds happening for various reasons across Europe and UK along with Australian and Zealand but the US consumer who was really happy this. Cyber week and we'll talk about the data but yeah in terms of inflation are shopping index which the shopping insights ahq is built off of, has been showing an average selling price increase for the last seven quarters and that's been pretty steady and so, that's definitely played a key role in this holiday season in that much if not all of the growth that we're seeing, is driven by increased pricing not necessarily people buying more, product and I think that's a really important distinction now what I will say and I'm happy to say this in the first time we're seeing a leveling off of that inflation globally over cyber week it was only I say only a three percent increase which is promising as we're looking forward to the new year. Scot: [6:02] Yeah I think it's Cressida at least the macroeconomic around 10% so so 3 is 3 is a pretty good. Rob: [6:09] Yeah exactly it's promising. Scot: [6:12] And then that ASP increase is, does that account for mix shift so like you know if people buy more luxury goods than our and then another segment goes value could that factor into that ASP or you normalize for that in some way. Rob: [6:27] We normalize for that because to your point obviously average order value for luxury versus value segments are going to be different but we really normalize that look at it across the board, and so it's taking into account of the various factors based on segments. Jason: [6:44] Yeah and as the resident Debbie Downer it's. We always want to have simple sound bites to describe this weekend like all of these Trends to me are super complicated because you just highlighted the, conflicting Trend that like we have inflation goods are costing more / we're probably going to talk about discounting later to help Goose holiday sales which of course brings prices down and when people are nervous about the economy they shift to more needs which have higher inflation than the wants and it seems when you really dive into it it's really complicated kind of inflation seems different on online versus offline and category by category. Rob: [7:25] Yeah it is complex you're right there's not a single kind of soundbite answer although if we stay on long enough I'm sure I'll come up with one or two. But you know you're right in terms of the discount right so if I dive into that for a sec Jason to put a little color around it we saw for the week in the US there was a 30%. Average discount rate globally it was twenty-seven percent and we can talk about how that looks your rear and how it looked, compared to 2019 but even with those large discounts and by the way those are large discounts compared to any normal day. During the year we're looking at 15 16 percent discount rate so it's you know in the double of what we typically see, the reality is the reality is people are still paying more for a particular product than they were two years ago so people are feeling really good obviously that average is 30 in the us but we all saw over the last couple days, 40% 50% even yesterday 60% in the massive amount of emails that I got trying to push and really. Incentivize people to actually click the buy button so my point here though is even with these high discount rates people are still spending more for a particular product than they did a couple of years ago. Jason: [8:42] Yeah I like to say 40% off is the new 30% off for this holiday. Rob: [8:48] Yeah I mean my father was in retail growing up so we would get discounts at the various apparel and Footwear companies he worked for and he always would joke that my mother would save us so much money we're going to go broke. Jason: [8:58] I love that we might come back to this counting but I do want to zoom out for just a second. Traditionally Black Friday is the official heart start of the holiday shopping season here in the u.s. is that even true anymore. Rob: [9:15] Well certainly retailers don't want that to be true they want it obviously to be pulled earlier and earlier in the season and that's another story line that we've seen here you know we actually saw a little bit. Of holiday happen over the summer don't forget and I know you two wouldn't of Amazon Prime day or the first Amazon Prime day and for those retailers not named, Amazon we saw a 21% year over year increase looking at the second week of July compared to the second week of July two thousand twenty one so there was a little bit, very little pull forward and then of course people getting retailers Brad's wanted to take advantage of the halo effect of the second. [9:56] Prime day that happened in October and once again we saw a little bit of a bump interestingly enough some of the larger retailers front ended that with Weekend sales and that pulled a lot of growth during that time you know the weekend before Prime day in October, but the reality Jason after a couple years of spreading out of that demand earlier earlier for various reasons which we can talk about, there was so much of a concentration that happened, over cyber week meaning and based on our data the pulling forward of the couple of percentage points to earlier, in November really we're taking back, this year and were put back in cyber week and it all came down to discounts it all came down to Consumers being really patient. Not seeing what they liked in terms of the lackluster deals and waiting for. Cyber week which really contributed some very positive growth particularly in the US. Jason: [10:57] Yeah it's super interesting because as you pointed out Amazon added a second sale day which I think they technically don't call Prime day right is like Prime Early Access today. Rob: [11:05] Right right right get behind the Velvet Rope and be able to get some early deals. Jason: [11:09] Exactly and Walmart Target and others all counter programmed against that with big sales but it cut it kind of feels like all that got defeated by the fact that consumers are well aware that the discounts are going to be deep this year and it almost seems like they may have decided to wait for deeper discounts. Rob: [11:29] Yeah yeah we call this and I've said it before on the show but I gotta do it right it's an annual tradition, discount chicken right the idea that retailers go into the holiday season with a really well thought out. Plan for the promotional calendar and by the first weekend they typically rip it up and call inaudible. And really try to chase the deals and you know that's what happened this year contrary or in contrast to last year if you remember I know you do gentlemen. Because you track this closer than anyone you know their inventory inventory scarcity issues there was high demand so retailers didn't feel compelled to Discount they didn't we saw the lowest discount rates. In recent history last year and so retailers thought that the consumer was reprogrammed reconditioned and they would buy earlier the problem was, the Retailer's didn't come to the table with the biggest discounts again discount chicken the consumers are going to wait it out and wait for that. [12:29] Best deal and finally the retailers came to the table during cyber week and the consumers answered, in kind you know again last year was probably the first year that retailers won the game of discount chicken this year consumers you know, fought with their leverage and wait and they ended up winning and got some really good deals again 30 percent discount rate in the US over the course of. Thanksgiving it really peaked at Black Friday with 31 percent in the US so they really finally came to the table. Scot: [13:04] Wow, you know we were reading all about last year all those cargo ships were sending off the coast of Long Beach where it is and then you know I've heard a lot of retailers in their commentary talk about being overstocked, do you think do you think that played a role in these big discounts is just retailers or just kind of we got a really clear the shelves out kind of thing. Rob: [13:27] Absolutely absolutely both in the store and in warehouse space they got spooked a little bit right in terms of, them waiting it out didn't quite work and so the Retailer's really had to step up Scott to your point they don't want to go into the new year with too much inventory they really needed a free up both inventory and cash now of course they did that. At the feet of margin right because you see I don't care how great your margin is alright some probably are that great particularly in the luxury segment but 50 60 70 percent discount or you know I saw some it was 50% oh and by the way we'll give you an extra ten percent just to make it sound like they weren't really giving away everything but the reality is. Really margin took a hit because of the deeper discounts that retailers just had to do and to your point they have to free up both the inventory the Shelf space and the cash. Jason: [14:26] Yeah I think even Makin where's I've had a number of clients come to me and say hey we've got too much inventory but even worse it's the wrong inventory that like a lot of that stuff that we ordered for mid-year all the Home Improvement and outdoor furniture stuff that they were trying to get four last year is all in stock now and so what even further incentive fising retailers to discount. Rob: [14:52] Yeah yeah and I give credit to some of the big box players who took a hit over the summer recognizing they tear Point Jason had the wrong inventory and they did something about it they tried to clear it out earlier they were public about it and they took a hit but I think they're going to come back strong you know it's interesting I was a, analysts back in the day and one of our Focus was on supply chain and Mr research was known for supply chain got acquired by Gartner for their supply chain and industries practice, and you know always tracked the gentleman how Lee who came up with the bullwhip effect the idea that, you know any shock in the supply chain will just have this ripple effect that could last, quite some time I got it conceptually heard some examples of it but we've been living that over the last couple of years you know going from inventory scarcity buyers getting really excited thinking of the demand would really. [15:47] Keep steady and then when finally dear points got it came through the port of LA got through the domestic supply chain it was the wrong product or enough people had bought, you know a new monitor or TV or a desk or some cool background to get you know 10 out of 10 on rumerator and the demand wasn't there anymore so you're right I mean some of the things, in terms of replenishable products sure they have a long shelf life they have a long turn but some don't they have an expiration date and retailers are struggling with that and certainly, coming back around it is driving the discount strategy it's not over either will continue to see probably not the same heightened levels but now that we have an extended holiday season because, of create a fulfillment options will see some more discounts it's not the end of it. Scot: [16:34] Yeah that that's a good segue into kind of talking about the shape of the holiday so last year sounds like you saw the data we started a bit earlier and maybe maybe we kind of ended around after the turkey five or kind of came off a cliff there seems like this year consumers waited they won discount chicken and then we've had a robust turkey five maybe walk us through the days we've talked a little bit about Black Friday Cyber Monday anything else you want to hit there and then what do you think happens kind of post. Rob: [17:07] Yeah absolutely to round it out actually and just give that perspective for the entire shape as you talked about the anatomy of the Season as a bunch of my customers talk about. Um there are some kind of pretty nervous people in the industry coming out of the first two weeks of November the last two weeks of October and the first two weeks, of November you know sales kind of words Riri we saw a negative seven percent during that time again little bit of a spike the first. Week in October because of prime day and then it really leveled off quite dramatically 27 percent decline, globally and so we're really worried is this a trend is this going to continue in really what it told us is, that cyber week becomes back into Focus again people were willing to wait people are willing to be patient waiting for those deals you know what we saw for cyber week with again a higher concentration probably around 25 percent of all, digital sales will be when it's all said and done over the course of cyber week in the way we look at it sales force is, the Tuesday before American Thanksgiving through Cyber Monday so we put another two days and it just to make it a full week but we can slice and dice it anyway, you want especially on the dashboard via Tableau on our shopping insights. [18:30] HQ but for the overall cyber week for us we saw nine percent growth. [18:38] And for Global we saw two percent growth. That again as you can tell because of the global number largely buoyed By Us sales Black Friday really strong us we saw. 12% in the US and we saw. [18:57] 3.5 percent growth globally that's Black Friday Cyber Monday we saw eight percent growth in us and we saw four percent growth, globally so very strong what we also saw by the way is healthy traffic we even saw healthy traffic. Earlier in the season so what that told us is people were interested they showed intent to buy but they weren't given the right incentive to actually purchase so you know there's a demand there's. Need there's a want earlier in the season because of the traffic we saw that traffic stayed pretty steady both us and globally, throughout the week as well and obviously that turned into higher conversion rate because people are actually now buying. Scot: [19:47] Cool and then from your day to do you think Cyber Monday was the biggest day we've ever had is do you guys pontificate on them. Rob: [19:54] Yeah we do we do we actually saw a turn of the corner about 3 or 4 years ago where Black Friday. Digitally became the largest day and really what that was, primarily driven by many retailers were actually shuttering their doors both on Thanksgiving either part of or all of Black Friday and they were encouraging people to shop online that was a great altruistic message from a brand perspective but it was also great you know to actually give their Workforce some time off, as well and so n obviously Drive traffic towards digital while providing great deals, online the other piece to it that really helped drive that change was mobile. Really the huge increase in Mobile we saw a mobile traffic this year through the course of cyber week account for about seventy nine percent. [20:52] All traffic and so people were on the go it was more accessible. And they either did more of their shopping during Black Friday or actually what we started to see and it really came into Focus this year buying on the couch in the later days after Thanksgiving meal. In the u.s.a. people got sick of their family needed to digest a little watch football and they took out their phone you know they either got distracted or I don't know if you're a marketer inspired by something they saw on their phone and they started shopping so that's my long way saying we actually see Black Friday of a higher concentration a bigger, overall sales volume for online then Cyber Monday. Scot: [21:38] Interesting okay and then there used to be this big disparity between mobile traffic and sales so used to be if you had 80% traffic you could knock that in more than half or is that number closed into you guys track that. Rob: [21:50] We do we do yeah it hovers around 60% of orders and that has progressively gone up up until about. How long have we been, going through this pandemic up until a pandemic because what happened is people are actually at home they weren't visiting their friends and family they weren't as much on the go so they actually went to their computer during Thanksgiving you know for me I spent the last couple years out by my fire pit and, you know came in from the cold and went to my computer instead of my phone to check out the latest deals on Thanksgiving or. The day after two Black Friday so we did see a dip. Last couple years in Mobile because people were at home but it spiked back up this year both traffic and orders and I give you know retailers credit because, and I know Jason you spent a lot of time with your customers thinking about customer experience and design and really breaking down that friction between inspiration and purchase, you know retailers are getting much better at making it easier to actually not only find the product they want on their phone but make that purchase. Scot: [22:58] Okay so that brings us up to Cyber Monday and then you kind of hinted that you think they'll be some more discounting seems like if consumers One retail chicken you can't you can't kind of go off of it right so if you've got this inventory left you're going to have to either discount further at least keep the discounts on is that what you think is going to happen. Rob: [23:17] Yeah exactly I mean we typically see a little bit of a dip coming off of cyber week to just. Retailers take a breath analyze what they have what they did how their margin looks and then get back at it a little bit but we we are going to see perhaps not higher rates, because retailers I'm sorry consumers are getting really, crafty around price adjustments so it's not only dipping further into their margin but it's creating more operational expenses and headaches as well for the retailer and so I don't necessarily anticipate, higher discount rates but a steady drumbeat of discounts particularly those retailers that have physical stores and can extend the shipping cut off window by offering, store fulfillment options so you'll see you know a real leaning into discounts promotion. Overall just attracting people hey you haven't missed the window yet you can get that last gift for your cousin or uncle or family member and oh by the way you don't have to pay for it and you're more guaranteed to get it because you can pick it up in an around the store or will get it. To you through some sort of last mile delivery that is shipped from the store. Scot: [24:35] I think one takeaway is you know so Jason's hearing there's some concerns about revenue and stuff and then you know I'm hearing discounting could be a rough earning season as we kind of come out of the holiday if all this discounting is go on but at least I guess they'll start the year kind of having flushed out all this massive inventory. Rob: [24:54] Yeah yeah you know coming into this year we do our predictions all the way back in June and we kind of look at the data what we've seen what the storylines are and. Start craft the narrative we were big Partners in that a couple of years ago where you coin ship a get in and you know we were both early on seeing man there's some issues with this surge going on in the capacity issues with. The carriers but you know one of those storylines or the main storyline just last June was. And here's comes your soundbite so get ready are you ready to rumble. I just set way too high expectations sorry about that but you know we're really concerned that margin will be the Grinch That's deals, Christmas and to your point we don't see that until the February timeframe after the Retailer's close out their fiscal year and start reporting again some retailers got ahead of it and caution what this is going to look like but I'm. Anticipating that will be a key storyline come February Scott. Scot: [25:57] All the who's in Whoville loved prophets a lot but. Rob: [26:00] Oh nice I like it I like it and we haven't even talked about returns yet right because that's I know that's one of Jason's favorite topping that's going to certainly come into play as well as we talk about margin. Jason: [26:12] You guys are bringing me down and actually I'm afraid I might want to bring us down even more because, I would say like I came into this holiday season thinking hey top binds going to be okay because of inflation because of you know pent-up demand a variety of things but that you know the story was going to be about profits as you guys just perfectly laid out um and then you know the Cyber weekend happen and Rob's been on every news program I've watched for the for the last 12 hours and you know they're also citing these like Salesforce vanity stats right that like oh my gosh e-commerce was higher than it's ever been before which is not shocking right like. And then the internet came out with a study today more people went shopping this weekend than ever before which again. There are more people in the United States than ever before so that's not that's not shocking I have in talking with retailers, they're more guarded like they all did scenario planning for like sort of good good weekends and bad weekends and they're all like talking about being on the low end of those, scenario plantings I know you have great data for the online portion of spending but you know 74 ish percent of all this spending is in stores I know you have some signals for the in-store sales but do you. [27:38] Like are you confident that this was a really strong turkey 5 I'm I'm not clear if it was or wasn't. Rob: [27:46] Yeah I think it remains to be seen if we're defining it as Jason we should be. Retail in totality and the fact that a vast majority of sales still happen in the physical store right and we're seeing that traffic. Is up but oh by the way it was Don the last couple years so what's that comparison set right is it actually up from 2018 or 2019 I'm not, convinced it necessarily, is and so we don't track that but we look at smart people like you Jason and Scott and some other friends in the industry and the word on literally the street or the mall or whatever strip center anyways I digress, is that it was the physical traffic a bit lighter and so we can say that. [28:37] Also online sales were strong but I also to your point want to temper that by if somebody or a retailer was reading this in almost any country in Europe. They probably wouldn't believe that headline right because it just you know they've been visiting head wins, not only during cyber week for the better part of this year and so most categories saw a negative growth, throughout Europe and you can see the data specifically by each country, on our dashboard and so it to your point earlier Jason it's not a sound bite that we'll be able to tell you the entire story right and so it was positive I'm feeling pretty good about the sales and you know the retailers I'm talking to who are forecasting closer to Fat flat not fat flat, growth were pretty happy but I think it still remains to be seen in terms of stores what that looks like margin what that's going to look like and if you're a global brand how does it look in totality. Jason: [29:44] Yeah for sure, decided I'm going to make a prediction most of the good store traffic data is about three days leg so we don't have it yet but I think what I think you called it exactly right I think store traffic is going to be up from last year but still below, 2019 levels and what's confusing it is there's a few Pockets there's a few a malls that did really well this weekend as they always do and so I think journalists went to these a malls and saw a bunch of people and they you know they're talking about how it was a robust in-store holiday but I I am going to be eager to see that that store data which brings me to my next question a lot of people use your tool set for Boba so I'm imagining that you got to see. Some of the trends in both us and like did that reveal anything in terms of people that might be going to store to pick up orders. Rob: [30:37] Yeah I think that's interesting and it also talks about Jason like what are the new metrics given this new world like do. Bo piss or curbside orders count as traffic I don't know you know the consumers come in close. To the store or they're going to the pickup area within the store in many cases they buy more product so I think again if. [31:00] Weaving in those stats it helps definitely the online traffic I don't think by the way many retailers are looking at it that way just yet and I think it's an important factor to consider. But he has your question yeah I mean I think. [31:16] Bo pasts and create a fulfillment options from the store are helping Elevate traffic and driving people to brick-and-mortar based on our data what we saw is botes usage. Overthrew we'll call it cyber weekend we saw close to 10% growth compared to earlier, in the holiday season what super interesting what we typically see is the lead up to a big holiday like for instance we looked at Halloween for the two days leading up to Halloween we actually saw. Double the amount of, Opus orders because people realize they didn't get the costume or the candy or whatever other ornaments that they needed and they knew it wouldn't get shipped in time they also want to make sure it would be available if they actually purchased it. And they did both this the other really interesting thing is throughout cyber week and again we look at that for the full seven days but even no matter how we slice it it's high what we saw is and this is u.s. specifically by the way, retailers that had bo piss they offered it grew online Revenue by 38% more. [32:33] Then those without this creative fulfillment option and so it does speak to. How important the store is to your digital business right so you know another stat. [32:47] Why not I'm on a roll that I'll say is. Our research shows that 60% of digital orders are influenced by the physical store whether that's where demand is being generated or demand, is being fulfilled in this case it's being fulfilled because somebody's buying it from the comfort of their own home and it's convenient and they're able to pick it up with the confidence that the product would actually, be there so again the new rules of you know both how do you provide the incentives to the store associate how their role is changing and how you measure, Effectiveness because of such the interplay between digital and physical is super interesting to be a part of. Jason: [33:29] Yeah that to me I saw that stat about the bow purpose retards that offering boat best outperforming returns that don't and, that was super interesting and kind of tragic Rob because I don't know if you've noticed this but so both this isn't universally offered by all retailers more retailers were offering both pissed last year than this year like everybody scrambled in the pandemic to come up with some version of bow pose and a number of them turned it off either because they didn't have a robust implementation or they couldn't hire enough labor this year to support. Rob: [34:05] Yeah yeah it's less about a technology. [34:09] Project or initiative and it is to your point it's about operations and you know part of the reason people turned it off you mentioned some of them is. They couldn't get down the operational efficiency we're seeing more retailers lean into Automation and, more productivity to really refine their fulfillment operations and it's not easy it's not just about having. The right amount of labor but it's having them focused on the right tasks based on the time of day and what. The priorities are and that's not easy to do at all especially you know when consumers are standing right in front of the associate and the associate is you know tasked with having to make a call do they. Fulfill this. Bullpen disorder because they have to within 15 minutes or do they serve the consumer who explicitly came in the store because they wanted to be in a physical space and talk to a human. And get some knowledgeable service so it's my long way saying it's not easy those retailers that have been able to move from Scrappy which many did to scale really thinking about how to automate some of the processes, how to really focus on efficiency and productivity will be winners because they're not only helping with loyalty serving the consumers who want to shop that way but also thinking about the margin pressures they're feeling otherwise. Jason: [35:35] Yeah that totally agree and I can definitively answer one thing I rarely I'm almost always guessing but in terms of whether both is counts a store traffic or not I have no idea whether it should count or not or whether returns would like it to counter not but I can tell you when it does and doesn't count most retailers in America have a device on their front door that counts how many people walk in the store and it excludes employees and so two companies sell those devices sensor Matic and Retail next and they both publish Anonymous store traffic data so if you see data from either of those companies it did not include dopest but Place Rai is the third company that provides that data and they use the GPS in the consumers phone which does Campo. Rob: [36:23] Yes. Jason: [36:24] So in three days you're going to see data from all three of those companies and it's not going to agree and that is why. Rob: [36:31] That's super rich I've been that right there that is the best nugget of the last however long we've been talking that's. Jason: [36:37] Six hours. Rob: [36:38] It feels like it I could talk another six though that's the fun part but that's Jason that's super interesting and that's the type. Data you know it typically use whichever one helps tell the story you want but understanding the differences like you just dissected is so important. Scot: [36:54] Cool let's we're getting towards the end so we know you had a long day but one of my favorite things about your data is you can peel the onion on categories I have a sixteen-year-old daughter and I can vouch for the Beauty and athleisure categories but did you see those kind of pop in any other categories up or down that you want to talk about. Rob: [37:15] Yeah absolutely well again there is a correlation between performance and discounts at least from a top-line perspective and so yeah we saw some strong performance in health and beauty for sure. We also saw in consumer electronics. And we also saw it in actually General apparel and Footwear as well believe it or not particularly on the Footwear side we saw it because people are actually putting on shoes and sneakers again and getting out the. You know world again whereas I guess I can't live in my slippers or flip-flops anymore actually when we looked at the data by actual product, we saw flip-flops actually had some of the largest decline that we saw your every year because again people are getting out in the world again. The good news is two by the way again to plug the shopping insights HQ you can slice and dice by I think it's at least nine if not about 12. Categories and see what it looks like for orders and sales and the like along with traffic as well. Jason: [38:27] I did. Notice so I've been playing with the dashboard a lot and side note as you know my pandemic hobby as I learned to have well so it's super exciting for me that you you are publishing the data and Tabla, it does seem like some categories popped that like. Had been underperforming for most of the pandemic so like you know Electronics had not been a very bright spot but it does seem like they they had a pretty decent weekend like do you have a, am I seeing that data right and do you think like that that might mean they've turned the corner or do you think that that could be a holiday anomaly. Rob: [39:07] It's hard to say because again discounts drove so much of the buying there was such a correlation between discounts and sales and so it's a little hard to say and it's really interesting to understand to like some of that. Binge shopping that we all did over the pandemic and it subsided perhaps over the last 6 to 12 months, and then in gift-buying times you're seeing a pop again so I wouldn't necessarily stake the claim on this is now what's going to happen for the next 12 months in terms of demand for these categories, because a lot of it again is correlated to Discount a lot of it is correlated to what people have pot over the purchased excuse me over the last couple of years. Jason: [39:51] That's totally fair so let's pivot to how they paid for it you alluded earlier to buy now pay later traction like can you share what you saw in the data and where there any other interesting Trends in terms of payment methods. Rob: [40:06] Yeah totally this was kind of fun because we put it in there as we did each of the mornings early early early particularly those that are on the west coast thank you to the team by the way I should have done this at the beginning but it's not just me I have the fun part to have this conversation with you and speak to so many people about this including a lot of retailers not just today but we have through the rest of the holiday season we have a way to go. But it's make possible through the team that brings these data and insights to life and, the reason I say that is we are trauma through the data one morning and we got the normal like what the sales look like what does traffic look like what are the hot categories biggest discounts, and then Kayla Schwartz on my team who really is the master behind the shopping index was that. This is super interesting around buy now pay later because of the Divergence between orders. [41:04] For buy now pay later and at the average order value and what I mean by that is specifically we saw. A five percent this is throughout the course of cyber week. In the u.s. in particular where we saw in the increase of 5% year-over-year, of orders with buy now pay later and by the way this is after, a couple of years of really nice growth so five percent based on the bass is really we consider noticeable however on the other side we saw. [41:37] Average order value for the same transactions decrease by five percent so it's indicating to us. [41:46] Again you know this better than anyone buy now pay later really was hatched as a finance option for. Bigger ticket items home appliances television couches and other Home Furniture but what we're seeing is a turning of the corner. Because of the ubiquity and he is and also I think the desire to finance and spread payments over the course of a given time period rather just at once for lower price for less expensive goods and gifts, compared to 2021. Jason: [42:21] Yeah I will say you know a lot of the retailers that are like looking at the economic snapshot for next year and I really concerned about. The consumers discretionary dollar they're they're kind of concerned about this you know. Acceleration of buy now pay later and other credit means as kind of a an early indicator that the consumer might be overextending themselves. Rob: [42:47] Yeah I mean we don't look at that very closely but it is fairly intuitive to see it that way that people are leaning on. Newer creative finance options over the holiday and what does that mean for the subsequent quarters will be keeping an eye on that really closely for sure. Jason: [43:05] Yeah so we are coming up on time Rob there's one other topic I just wanted to touch on with you you know you you alluded to capacity concerns in pass holidays and of course you know we've talked a lot on the show about ship again um I'm kind of worried about a new thing this year. With the moat with this really prevalent version of discount chicken if a bunch of consumers are thinking they're going to wait till the very last minute. To get the best discount we have all the usual things in place we have like a fragile inventory that might start running out. But we also this year have lower labor levels like stores tried to hire less people and they weren't able to hire all the people they tried to hire UPS and FedEx didn't get all the people they want so I'm a little worried if consumers way too long that we you know might have another ship again in situation on our hands where there just isn't enough labor capacity to get all these orders out the last week of the year. Rob: [44:04] Yeah that's a super interesting point one that I haven't dove into very deep but I'm with you Jason that's going. Potentially be an issue I mean I'm a sample size of one but I see it any time I shop or any restaurant I go in there not taking reservations or they're not limiting reservations based on tables there. You know basically limiting it because of waitstaff and so, that's true too in the physical store when the associate is being asked to do so many things now right it's not just about scanning and bagging at the cash wrap, it's you know they're becoming social media managers that are fulfillment experts there live streamers so you're stretching them thin. Capacity gets issue by the way the other interesting thing that we didn't touch upon was returns we saw such an increase of returns heading into cyber week than we ever have in our thesis is that. People who bought product earlier in the season. Star the better discounts and we're doing price adjustments in way of returning a product and then buying it back, at the cheaper price so there may be earlier returns that are playing and usually that's not, a storyline that we talked about until you know January at NRF right but now it's actually happening more so add that to your Litany of things that will create capacity issues. Jason: [45:30] Oh my gosh know for sure and you know it's already a distant memory but with all those early sales that people tried to do one of the things that may have gone unnoticed is a lot of retailers also extended the return window because the fear was will never get people the holiday shop early if they don't think that gift recipients will be allowed to return the gifts so a bunch of these sales are on more liberal return policies, then ever before and again you know the economist are like come January we could be in stagflation and you know we don't know what returns might even look like in that kind of economic environment so it's, it's a concern for sure and that on that happy note Rob we've used up our allotted time. Because on top of everything else during this show I received about 1,000 emails from the Salesforce marketing cloud with even better deals than Cyber Monday so I'm gonna, after to go a little early so that I can get some more shopping. Rob: [46:28] Go for it please do shop on of course Salesforce Commerce Cloud websites if you may. Jason: [46:33] I didn't know there were other kinds. But in all seriousness Rob it's always a pleasure to talk to you about anything and for sure to talk about the the holiday sales loyal listeners will know the number one piece of feedback we get is they like to hear more from Kayla and from Michelle and I have to keep telling him that you always insist on coming. Rob: [46:54] Hey that will happen they are amazing I gotta say though before we go Jason Scott first of all as I mentioned before I love doing this like seriously this is. Highlight it's our Super Bowl or dare I stake a World Cup given where we are right now go us but you know. More than anything I just really appreciate your friendship it's so amazing to have friends like you and the retail industry and the amazing Community we have and I also love how humble you are in terms of you asking me these questions but the reality is you're so on top of what's Happening Now and in the future and I really value that so A big thank you all around. Scot: [47:34] Boom and you just secured yourself a fifth spot there you go Rob thanks for joining us on Twitter you are retail Rob Garf you're very active on LinkedIn I've noticed we will put a link to the hub of activity in the show notes thanks for joining us. Jason: [47:54] And until next time happy Commercing.
Will Guidara has been immersed in the restaurant industry since the age of thirteen. Guidara trained in the dining rooms of Tribeca Grill, Spago, and Tabla and opened the restaurants at the Museum of Modern Art before becoming the general manager of Eleven Madison Park in 2006. Under Chef Daniel Humm and Will Guidara's leadership, Eleven Madison Park received four stars from the New York Times, earned three Michelin stars, and was given a coveted spot on the San Pellegrino list of the World's 50 Best Restaurants. The restaurant has also received six James Beard Awards, including Outstanding Chef and Outstanding Restaurant inside and a America. In 2011, Humm and Guidara purchased Eleven Madison Park and, in early 2012, went on to open the food and beverage spaces at the NoMad Hotel. Checkout Will's new book, Unreasonable Hospitality. You Unleashed Course 50% off You Unleashed is an online personal development course created by Sean DeLaney after spending years working with an interviewing high achievers.The online course that helps you ‘Unleash your potential'! You Unleashed teaches you the MINDSETS, ROUTINES and BEHAVIORS you need to unleash your potential and discover what you're capable of. You know you're capable of more and want to bring out that untapped potential inside of you. We teach you how. Enroll Today for only $99!- Click Here Subscribe to my Momentum Monday Newsletter Connect with us! Whatgotyouthere TikTok YouTube Twitter Instagram
Today's guest has been immersed in the hospitality industry since the age of 13. Will Guidara is the author of many books, including a new one called “Unreasonable Hospitality”. Will has been trained in the dining rooms of Tribeca Grill, Spago, and Tabla and opened the restaurants at the Museum of Modern Art. Will joins the host Dan Ryan to discuss his journey through hospitality and what it all means to him. Takeaways: Having board games along with fine dining provides an experience that makes the guest feel comfortable and at home. It reminds them of home-cooked meals and time with family and friends. Will has always had a passion for creating spaces where people can get together and enjoy being around friends and family. This is part of what led him to be in the hospitality industry. America used to be a manufacturing economy but now 65% of our GDP is driven by the service industry. This means we have shifted the focus of our economy to be in the service industry and provide people with memorable experiences of hospitality. The culture of your company is a living, breathing tangible thing. It's not just part of a checklist; if you don't live by the cultures of your company, then the culture will die. The best way to talk about hospitality is to compare it to service. Service is bringing the right plate to the right person on time but hospitality is how you make them feel when you bring them their food. Your values transcend everything. If you bring your values to the front and make them a core part of who you are, then those values will drive you and help you succeed. Don't be afraid to look at yourself and tell yourself that you can handle anything that comes your way. Quote of the Show: 9:24 “It has always brought me joy to create spaces where people can come together.” Links: LinkedIn: https://www.linkedin.com/in/will-guidara-b64952243/ Instagram: https://www.instagram.com/wguidara/?hl=en Book Link: https://www.amazon.com/gp/product/B0B13W5GPT/ref=dbs_a_def_rwt_bibl_vppi_i0 Welcome Conference: https://www.thewelcomeconference.com/ Shout Outs: 1:36 The Nomad 05:47 Simon Sinek 25:39 James Cordon 25:43 Balthazar 25:51 Keith McNally 36:09 Rookie Smarts by Liz Wiseman Ways to Tune In: Spotify: https://open.spotify.com/show/0A2XOJvb6mGqEPYJ5bilPX Apple Podcasts: https://podcasts.apple.com/us/podcast/defining-hospitality-podcast/id1573596386 Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly93d3cuZGVmaW5pbmdob3NwaXRhbGl0eS5saXZlL2ZlZWQueG1s Amazon Music: https://music.amazon.com/podcasts/8c904932-90fa-41c3-813e-1cb8f3c42419 Podbean: https://www.defininghospitality.live/ YouTube : https://youtu.be/o2-7Ko4_P9w
Our guest today is Abhay Nayampally who was hugely influenced by his musician parents and entered the magical world of music. Having grown up playing instruments such as the Tabla and Piano right from the tender age of 5, he took a fancy to the Guitar around his early teens exploring it through jazz and blues. Abhay then felt the need to explore it in a rarely visited genre on the guitar, South Indian Classical music. Abhay, along with a significant number of Solo concerts under his belt around the world, has also had the privilege of sharing a stage and playing alongside some of the best-known Indian Classical and Jazz artists in the world some of whom include Ustad Taufiq Qureshi, Pt. Hariprasad Chaurasia, Pt. Purbayan Chatterjee, Shankar Mahadevan, Pt. Yogesh Samsi, Louis Banks, Sivamani, Gino Banks, Rakesh Chaurasia, and Suresh Wadkar to name a few. He has also recorded for movies and ad campaigns with some of the best-known composers in the music industry including a few award-winning movies. He's also the recipient of the title Sangeeta Kalaratnam which when translated means, ‘Jewel of the Art of Music.' Abhay met his Guru and Mentor, the legendary Mandolin Maestro Vidwan U Srinivas under whose incomparable and invaluable tutelage, Abhay cemented his new style of playing and developed it into a polished and fine art form unique to the electric guitar. He is now currently the only Carnatic Guitar Artiste in the world performing and teaching the U Srinivas Bani (style) of playing the electric guitar. In 2021, Abhay released his self-titled debut Solo Carnatic Guitar album co-produced with internationally acclaimed composer/producer Sandeep Chowta which opened to a tremendous response. His album claimed the Number One Album Spot for the Apple Music All India Indian Classical Charts for more than a month & also made it to the final Grammy Ballot Round for the Best Global Music Album Award. He aims to bring Carnatic Classical, an ancient Indian art form, to modern audiences, within India and globally, making it more approachable, familiar, and modern without compromising on the traditional aspect of the music. Listen in as Abhay shares his amazing journey as a musician, his days with his Guru Vidwan Mandolin U Srinivas, the making of his debut album & his onward journey with music. --- Send in a voice message: https://anchor.fm/the-third-eye1/message
Episode 81 Psychedelic Japan, Part 1 Playlist Flower Travellin' Band, “Satori Part 2” from Satori (1971 Atlantic). Japanese rock band formed in 1970 which broke up in 1973 and reformed in 2008. Guitarist Hideki Ishima is a founding member. Moving from Sapporo to Tokyo in the mid-sixties, he played with the Group Sounds band The Outlaws from 1966 to 1969. Following that he joined The Flowers, who later became Flower Travellin' Band. He is also known for inventing the sitarla, a cross between an electric guitar and a sitar. 7:04 English translation of the lyrics: There is no up or down Your truth is the only master Death is made by the living Pain is only intense to you The sun shines every day The sun shines every day Freedom, freedom! The Taj-Mahal Travelers “Between 7:03~7:15P.M.” from July 15, 1972 (1972 CBS/sony). This album was recorded live at Sohgetsu Hall, Tokyo, Japan, July, 1972. Formed in 1969 this group produced entirely improvised music with a remarkably celestial sound. The ensemble regularly played throughout Japan. In 1971, on the way back from touring Europe, they financed a trip to India to see the Taj-Mahal. Upon returning, they played a benefit concert on July 15, 1972 to help pay for their return to U.K. The track heard hear was part of that live performance. Electronic Contrabass, Santoor (Suntool), Harmonica, Sheet Iron, Ryo Koike; Guitar, Percussion, Michihiro Kimura; Electronic Trumpet, Harmonica, Castanets, Seiji Nagai; Vibraphone, Santoor (Suntool), Yukio Tsuchiya; Electronic Violin, Radio Oscillators, Voice, Takehisa Kosugi; Vocals, Tokio Hasegawa. 11:17 Far East Family Band, “Entering/Times” from Parallel World (1976 Mu Land). Far East Family Band was a Japanese Psychedelic-Progressive-Rock band, founded 1975. Psychedelia with synths. Recorded November 15th to December 5th 1976 at the Manor Studio, UK. Music By, Arranged By, Far East Family Band; Music producer, Fumio Miyashita; Recording producer, Recorded and computer mix by, Klaus Schulze. Band included keyboardist Kitaro until this, their third album produced by Schulze. Kitaro was inspired to venture out into solo electronic work after this album. 15:26 Les Rallizes Denudes (Lay RAL-lees DEN-yoo-day) “Strung Out Deeper Than The Night,” recorded live in 1977. From a bootleg recording of “Heavier Than a Death in the Family” (2002 Not on Label). This Japanese experimental rock band formed in November 1967 at Doshisha University in Kyoto, moved to Tokyo, and was led by Takashi Mizutani (1948-2019). Performed their last gig in October 1996. 15:28 English translation of the lyrics for this song: Deeper than the night, darker than the darkness You woke up with blood and madness Spread your black wings under the burning sky You are what I want After the black sun rises I'll meet you every time I go in the flames of ice midnight white venom A white horse runs through my body The hungry beast that died in the rain fly out the window you shatter the mirror you shatter the night A whispering angel surrounds you I send my blue breath to your center You're what I want After the black sun rises Enveloping you, your breath send to your center Deeper than night and darker than darkness When you woke up, you took death and madness Fushitsusha, “3. すきにやればいい” (“Do It When You Want”) from Invincible (First Live)/不失者 (1989 P.S.F. Records). Guitarist Keiji Haino founded Fushitsusha in 1978. This undated track is probably from 1978 and is part of a double album of live performances spanning the previous ten years that he released in 1989. Guitar, harmonica, Keiji Haino; drums, Seijiro Muryama; drums, Akui; bass, Yasushi Ozawa; guitar, Maki Miura. 11:36 High Rise “Induced Depression” from Psychedelic Speed Freaks (1984 P.S.F. Records). First recording, bootleg album. Japanese psychedelic rock band. Formed in 1982 by Asahito Nanjo and Munehiro Narita under the name Psychedelic Speed Freaks. They changed their name to High Rise when the group released their debut album in 1984. Bass, Vocals, Asahito Nanjo; Guitar (Motorcycle Fuzztone), Munehiro Narita. 3:13 Ghost, “Escaped And Lost Down In Medina” from Hypnotic Underworld (2004 Drag City). Japanese experimental rock and improvisation group formed in Tokyo in 1984 and disbanded in 2014.Their gradual evolution from a guitar-based band with assorted acoustic instruments (e.g., oboe, cello, recorder) and atmosphere (e.g., water, wind) to the inclusion of electronics began in the early 2000s. I think this is their first album that actually credits synthesizers and other electronics. Acoustic Guitar (6- and 12-String), Vocals, Masaki Batoh; Drums, Tabla, Percussion, Junzo Tateiwa; Electric Bass, Contrabass, Cello, Takuyuki Moriya; Electric Guitar, Michio Kurihara; Piano, Mellotron, Korg MS-20 Synthesizer, Organ, Lute, Recorder, Celtic Harp, Kazuo Ogino; Theremin, Flute, Saxophone, Tin Whistle, Bouzouki, Other, Producer, Taishi Takizawa; Written by Ghost. 7:10 Ghost, “Aramaic Barbarous Dawn” from Hypnotic Underworld (2004 Drag City). 3:15 Acid Mothers Temple & The Melting Paraiso U.F.O., “In C” from In C (2001 Eclipse Records). Japanese psychedelic rock band founded in 1995 and which exists as a kind of collective with many guests. This unique entry in the Acid Mothers catalog feature an interpretation of the famous Terry Riley minimalist landmark “In C” (1968 Columbia). This version is full of the psychedelic appurtenances you would expect of Acid Mothers and somewhat follows the original score, though much of the scored piece serves as a bed for the other wonderful sounds that swirl about. Bass (Monster), Tsuyama Atsushi; Drums, Ichiraku Yoshimitsu; Electric Guitar, Synthesizer, Higashi Hiroshi; Electric Guitar, Violin, Zuruna, Synthesizer, Kawabata Makoto; Producer, Engineer, Kawabata Makoto; Vibraphone, Glockenspiel, Terukina Noriko; Voice, Cotton Casino. 20:28 Kikagaku Moyo, “Kodama“ from Forest Of Lost Children (2014 Beyond Beyond Is Beyond Records). Japanese psychedelic rock band formed by Tomo Katsurada and Go Kurosawa in 2012. Bass, Kotsuguy; Drums, Vocals, Go Kurosawa; Engineer, Yui Kimijima; Guitar, Daoud Popal; Sitar, Ryu Kurosawa; Theremin, Voice, Angie Gotopo; Vocals, Guitar, Tomo Katsurada; Written-By Go Kurosawa. Another one of the acclaimed bands in the Japanese progressive psych genre, the word is they are breaking up and play their last show in Tokyo in December 2022. 4:21 Opening background music: Les Rallizes Denudes, “Oz Days (1:33)” and “Wilderness of False Flowers”(7:36) from The Oz Tapes (1973 OZ Records). Recorded at OZ, Kichijoji, Tokyo 1973. Bass, Makoto Kubota; Drums, Shunichiro Shoda; Guitar, Takeshi Nakamura; Vocals, Guitar, Takashi Mizutani. Opening and closing sequences voiced by Anne Benkovitz. Additional opening, closing, and other incidental music by Thom Holmes. For additional notes, please see my blog, Noise and Notations.
Pablo y Jesús se toman un café charlando sobre la jornada 8 de la Liga Portugal, en la que hemos visto ganar a Porto, Sporting y Casa Pia, entre otros. También la goleada del Famalicão, que dejó en evidencia al Boavista. Todo ello sin olvidar la Taça de Portugal, que sigue avanzando y ya entran los equipos de Primeira Liga.
On this Prashant Aswani Interview: GREAT stories about his cross-country bus ride to Berklee, making his first 2 records while still in school, flipping a coin to decide if he went to medical school or Berklee, taking care of his ailing grandmother, smoking cigarettes at 15 with his grandmother in India, happiness, insecurity, unconditional love, divorce, and LOADS of other deep stuff. Very cool and open vibe Cool Guitar & Music T-Shirts!: http://www.GuitarMerch.com From playing Tabla at age 8, to playing all over the world as a solo artist with 6 LPs, and working as a side man for some high-profile artists, to his newest project “CIC” with Rhonda Smith & Shane Gaalaas… Prashant's had a very interesting life Subscribe & Website: https://www.everyonelovesguitar.com/subscribe Support this show: http://www.everyonelovesguitar.com/support
En Palabras Mayores del 12 de septiembre de 2022, Carlos Antonio Vélez se refirió a la actuación de los colombianos en el Superclásico argentino; también analizó los partidos del fin de semana en la Liga Betplay, que dejó como víctimas a Juan Cruz Real y a Millonarios.
Su informe de crédito es una parte importante de su vida financiera que puede determinar sus posibilidades de obtener crédito, qué tan buenos o malos serán los términos, y cuánto le costará tomar dinero en préstamo. Entérese de cómo obtener su informe de crédito gratuito y por qué es una buena idea. Tabla de contenido Acerca de los informes de crédito Cómo obtener sus informes de crédito anuales y gratuitos Lo que puede esperar cuando solicite sus informes de crédito Cómo monitorear sus informes de crédito Quién puede obtener una copia de sus informes de crédito Evite otros sitios web que ofrecen informes de crédito Reporte las estafas Acerca de los informes de crédito ¿Qué es un informe de crédito? Un informe de crédito es un resumen de su historial crediticio personal. Su informe de crédito incluye su información de identificación, como su domicilio y fecha de nacimiento, y otros datos sobre su historial de crédito, por ejemplo, cómo paga sus facturas o si se declaró en bancarrota. Hay tres compañías de informes crediticios que operan a nivel nacional (Equifax, Experian y TransUnion) que recolectan y actualizan esta información. En su archivo de crédito figuran las cuentas de la mayoría de las grandes tiendas con sucursales en todo el país y las cuentas de tarjetas de crédito otorgadas por bancos, junto con sus préstamos, pero no todos los otorgantes de crédito reportan información a las compañías de informes crediticios. La información que figura en su informe de crédito puede afectar su poder de compra. También puede afectar sus probabilidades de conseguir un empleo, alquilar o comprar un lugar para vivir y comprar una póliza de seguro. Las compañías de informes crediticios les venden la información de su informe a negocios que la usan para decidir si le prestarán dinero, extenderán crédito, ofrecerán un seguro o le alquilarán una vivienda. Algunos empleadores usan los informes de crédito para tomar decisiones de contratación. El grado de solidez de su historial de crédito también afecta cuánto tendrá que pagar para tomar un préstamo de dinero. Las compañías de informes crediticios deben hacer lo siguiente: Tomar las medidas necesarias para asegurarse de que la información que recolectan sobre usted sea exacta. Entregarle una copia gratis de su informe una vez cada 12 meses. Darle la oportunidad de corregir errores. Así lo establece una ley federal llamada Ley de Informe Imparcial de Crédito (FCRA). ¿Por qué debería obtener una copia de mi informe? El hecho de obtener su informe de crédito lo puede ayudar a proteger su historial de crédito contra inexactitudes, errores o signos de robo de identidad. Revíselo para estar seguro de que la información es exacta y está completa y actualizada. Considere hacerlo al menos una vez por año. Asegúrese de revisar su informe antes de presentar una solicitud de crédito, préstamo, seguro o empleo. Si encuentra errores en su informe de crédito, comuníquese con las compañías de informes crediticios y con el negocio que suministró la información para que eliminen los errores que figuran en su informe En este enlace encontrará información útil para detectar el robo de identidad. Los errores de su informe de crédito podrían ser un signo de robo de identidad. Una vez que los ladrones de identidad le roban su información personal, por ejemplo, su nombre, fecha de nacimiento, domicilio, números de cuenta de tarjeta de crédito o cuenta bancaria, números de Seguro Social o de seguro médico, pueden hacer lo siguiente: Vaciarle su cuenta bancaria. Efectuar cargos a sus tarjetas de crédito. Obtener tarjetas de crédito nuevas bajo su nombre. Abrir cuentas de servicio de teléfono, TV por cable u otras cuentas de servicios públicos bajo su nombre. Robarle su reembolso de impuestos. Usar su seguro de salud para obtener atención médica. Hacerse pasar por usted si los arrestan. El robo de identidad puede perjudicar su crédito con la acumulación de facturas impagas y cuentas en mora. Si cree que es posible que alguien esté usando indebidamente su información personal, visite RobodeIdentidad.gov para reportarlo y conseguir un plan de acción personalizado. Cómo obtener sus informes de crédito anuales y gratuitos ¿Cómo puedo solicitar mis informes de crédito anuales y gratuitos? Las tres compañías de informes crediticios del país han establecido un sitio web, una línea telefónica de acceso gratuito y un domicilio postal centralizados para que usted pueda solicitar sus informes de crédito anuales y gratuitos en un solo lugar. No se comunique con las tres compañías de informes crediticios del país individualmente. Estas son las únicas maneras de solicitar sus informes de crédito gratuitos: En internet, visite AnnualCreditReport.com Por teléfono, llame al 1-877-322-8228. Por correo: complete el formulario de solicitud de informe de crédito anual y envíelo a: Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281 Hay un único sitio web, AnnualCreditReport.com, autorizado para procesar las solicitudes del informe de crédito anual y gratuito que usted tiene derecho a recibir conforme a la ley. ¿Con qué frecuencia puedo obtener un informe gratuito? La ley federal le da derecho a obtener una copia gratuita de su informe de crédito una vez cada 12 meses. Hasta diciembre de 2022, todas las personas que viven en EE. UU. pueden obtener un informe de crédito gratuito por semana de parte de las tres compañías de informes crediticio que operan a nivel nacional (Equifax, Experian y TransUnion) en AnnualCreditReport.com. Además, todas las personas de EE. UU. pueden obtener seis informes de crédito gratuitos por año hasta el 2026, a través del sitio web de Equifax o llamando al 1-866-349-5191. Eso se suma al informe gratuito de Equifax (más sus informes de Experian y TransUnion) que puede obtener en AnnualCreditReport.com. ¿Hay otras situaciones que me permiten obtener un informe gratuito? Conforme a lo dispuesto por ley federal, usted tiene derecho a recibir un informe gratuito si se presenta alguna de las siguientes situaciones: Una compañía le deniega su solicitud de crédito, seguro, empleo u otro beneficio, o se ha tomado otra acción desfavorable en su contra, a base de la información en su informe de credito. Eso se conoce como acción o medida adversa. Usted debe solicitar su informe dentro de los 60 días posteriores a la fecha en la cual reciba el aviso de la acción adversa. En el aviso se le proporcionará el nombre, el domicilio y el número de teléfono de la compañía de informes crediticios, y usted puede solicitarle su informe gratuito. Usted está sin trabajo y tiene previsto buscar un empleo dentro de los 60 días. Usted recibe asistencia pública, por ejemplo, algún beneficio de bienestar social. Su informe es inexacto debido al robo de identidad u otro fraude. Usted estableció una alerta de fraude en su archivo de crédito. Si pertenece a una de estas categorías, comuníquese con una compañía de informes crediticios utilizando la información de contacto de la agencia de crédito a continuación. Lo que puede esperar cuando solicite sus informes de crédito ¿Qué información tengo que dar? Para proteger su cuenta y su información, las compañías de informes crediticios tienen un proceso que les permite verificar su identidad. Esté preparado para suministrar su nombre, domicilio, número de Seguro Social y fecha de nacimiento. Si usted se ha mudado durante los últimos dos años, es posible que tenga que informar su domicilio previo. Le pedirán algunos datos que solamente usted puede conocer, como, por ejemplo, el monto del pago mensual de su hipoteca. Usted debe responderle estas preguntas a cada compañía de informes crediticios, incluso si está solicitando sus informes de crédito a cada una de las tres compañías al mismo tiempo. Cada compañía puede solicitarle diferentes datos ya que la información contenida en su registro puede provenir de diferentes fuentes. ¿Cuándo recibiré mi informe? Dependiendo de cómo lo haya solicitado, puede recibirlo de inmediato o dentro de un plazo de 15 días. Si lo solicita en internet en AnnualCreditReport.com, podrá acceder a su informe inmediatamente. Si lo solicita por teléfono llamando a la línea gratuita 1-877-322-8228, procesarán su pedido y le enviarán el informe por correo dentro de los 15 días siguientes. Si lo solicita por correo usando el formulario Annual Credit Report Request, lo procesarán y le enviarán el informe por correo dentro de los 15 días posteriores a la fecha en que reciban su solicitud. En caso de que la compañía de informes crediticios necesite más información para verificar su identidad, es posible que tenga que esperar un poco más para obtener su informe. ¿Puedo obtener mi informe en Braille, o en formato de letra grande o audio? Sí, su informe de crédito anual y gratuito está disponible en Braille, y en formato de letra grande o audio. Para recibir sus informes de crédito en estos formatos, tendrá que esperar tres semanas. Si padece sordera o tiene problemas de audición, llame al servicio de TDD al 7-1-1 y pídale al operador que lo comunique con el 1-800-821-7232 de AnnualCreditReport.com. Si tiene impedimentos visuales, puede solicitar sus informes de crédito anuales y gratuitos en Braille, o en formato de letra grande o audio. Cómo monitorear sus informes de crédito ¿Debería solicitar los informes a las tres compañías de informes crediticios al mismo tiempo? Usted puede solicitar los informes gratuitos al mismo tiempo o puede escalonar sus pedidos a lo largo del año. Algunos asesores financieros dicen que el hecho de escalonar sus solicitudes durante un período de 12 meses es una buena manera de vigilar que los datos registrados en sus informes sean exactos y completos. Debido a que cada compañía de informes crediticios obtiene su información de distintas fuentes, es posible que los datos de su informe de una compañía de informes crediticios no reflejen toda o la misma información que se registra en sus informes de las otras dos compañías de informes. ¿Puedo comprar una copia de mi informe? Sí, si usted no cumple los requisitos para obtener un informe de crédito gratuito, una compañía de informes crediticios le puede cobrar un monto razonable por una copia de su informe. Pero antes de comprarlo, averigüe siempre si puede obtener una copia gratis en AnnualCreditReport.com. Para comprar una copia de su informe, comuníquese con: Equifax:1-800-685-1111; Equifax.com/personal/credit-report-services Experian: 1-888-397-3742; Experian.com/help TransUnion: 1-800-916-8800; TransUnion.com/credit-help Quién puede obtener una copia de sus informes de crédito La ley federal establece quiénes pueden obtener su informe de crédito. Si está presentando una solicitud de préstamo, tarjeta de crédito, seguro, leasing de un carro, o si quiere alquilar un apartamento, esos negocios pueden ordenar una copia de su informe como una ayuda para tomar decisiones de crédito. Su empleador actual o eventual puede obtener una copia de su informe de crédito, pero únicamente si usted lo autoriza por escrito. Evite otros sitios web que ofrecen informes de crédito Es posible que vea que hay compañías y sitios web que ofrecen informes de crédito gratuitos, pero hay un único sitio autorizado para solicitar y obtener el informe de crédito anual y gratuito que tiene derecho a recibir por ley: AnnualCreditReport.com. Estos sitios web fingen estar asociados con AnnualCreditReport.com o dicen que ofrecen informes de crédito gratis, puntajes de crédito gratis o monitoreos de crédito gratis. También pueden usar términos como “informe de crédito gratis” en sus nombres. Incluso podrían establecer domicilios web (URL) con errores de ortografía intencionales en AnnualCreditReport.com, con la esperanza de que usted escriba incorrectamente el nombre del sitio web oficial. Si visita uno de estos sitios web impostores, podría terminar en otros sitios donde le querrán vender algo o recolectar su información personal para venderla o usarla indebidamente después. AnnualCreditReport.com y las compañías de informes crediticios no le enviarán un email para pedirle su número de Seguro Social o información de cuentas. Si recibe un email, ve un anuncio de tipo pop-up en internet o recibe una llamada en supuesta representación de AnnualCreditReport.com o de alguna de las tres compañías de informes crediticios, no responda ni haga clic sobre ningún enlace que aparezca en el mensaje. Es probable que eso sea una estafa. Reporte las estafas Si ve una estafa, fraude o mala práctica comercial, cuénteselo a la FTC. Visite ReporteFraude.ftc.gov, el sitio web de la FTC que le facilita su reporte.
Words and Voice by Rev'd Jon SwalesMusic by Santoor and Tabla at Assi Ghat, Varanasi by Samuel Corwin | https://freemusicarchive.org/music/Samuel_CorwinMusic promoted by https://www.chosic.com/free-music/all/Creative Commons CC BY 4.0https://creativecommons.org/licenses/by/4.0/A Prayer for Pakistan (Draft)Father of Creation,God of the Nations,Words fail to describe the horrors of climate breakdownUnleashed upon Pakistan.A photo,A video,A screaming child,A vacant look of disbelief on a parent's face.But even these are but a window,A glimpse,A snapshot,Of the carnage and catastrophe,That falls upon millions.We live in our panelled houses,Whilst 33 million lives are changed,184,000 camped out in relief camps.By extreme floods.By extreme suffering.Hundreds dead.Do you care?Is heaven silent?We ask that you calm the raging sea,But it seems you are absent without leave.Asleep at the wheel.In trembling faith,We ask,For mercy.In the fragility of our brokenness,We plead,For mercy.We cling tentatively to the hope and truth that you, Really are as beautiful and loving as that which is seen in Jesus.Let your love be shown,Let Pakistan hear your voice, saying,Peace, Be still.Wake up and set the world to rights.And yet, we know,We reap what we sow.But this is not strictly true.For we sow injustice and consumerism,Yet the brown skin nations reap.We have made our bed in unrestrained capitalism But it is the most vulnerable who lie in it.Those nations who have done the least per person to contribute to climate breakdown,Are those who suffer the most.We are hypocrites,Like sheep who have gone astray,We call out the shepherd, 'Is he really good?'Whilst embracing and maintaining economic systems,That are driven by domination and bring destruction.Lord, have mercy on Pakistan,And have mercy on us.Amen.
Repasamos la actualidad de la semana con toda la seriedad y el rigor que merece la clase política de nuestro país, de la mano de las cómicas Silvia Sparks y Patricia Galvan. Además se cuelan en el estudio Manuel Burque y Josep Gatell, guionistas de Tadeo Jones 3: La tabla esmeralda.
Repasamos la actualidad de la semana con toda la seriedad y el rigor que merece la clase política de nuestro país, de la mano de las cómicas Silvia Sparks y Patricia Galvan. Además se cuelan en el estudio Manuel Burque y Josep Gatell, guionistas de Tadeo Jones 3: La tabla esmeralda.
Esta semana la iniciamos con una de las películas familiares más esperadas, Tadeo Jones 3. La tabla esmeralda. Con Tadeo viajamos nuevamente por el mundo disfrutando de la acción y lo hacemos de la mano de su director Enrique Gato que visita estos micrófonos para hablarnos de la aventura más grande y complicada. No dejamos pasar la ocasión de hablar de una de las series más vistas, La unidad, los creadores Dani de la Torre y Alberto Marini junto la actriz protagonista Nathalie Poza se pasaron por nuestros estudios dónde comentamos la segunda temporada y avanzamos que habrá una tercera. Ana Vega Toscano rinde homenaje a uno de los mejores actores que ha dado el cine italiano, Vittorio Gassman que nacía en Génova el 1 uno de septiembre de 1922. De Película se adelanta a su centenario La segunda hora la dedicamos a uno de los actores por excelencia del cine español José Luis López Vázquez y lo hacemos desde uno de los enclaves cinematográficos con más historia de Madrid, el Cine Doré, donde se rindió un cariñoso homenaje a José Luís López Vázquez en el centenario de su nacimiento. Compartimos mesa con Joaquín Casanovas, comisario de la exposición ‘Del escenario a la pantalla. Los diseños de José Luis López Vázquez’, con José Luís López Vázquez Maguerus, su hijo, quien nos muestra a través de un documental Las Mil caras del talento de este gran actor. Con él hablamos del padre y también del actor. No podía faltar Julieta Serrano, amiga y compañera de reparto en Mi Querida Señorita, la película que dejó boquiabierta a la España de 1972 y se ganó a la de 1973 en Hollywood. Y en un punto importante de la mesa Antonio Mercero guionista, escritor e hijo del conocido director Antonio Mercero, artífice La Cabina protagonizada por José Luís López Vázquez. Escuchar audio
Aunque parezca difícil de creer varios estados del país avalan que un maestro golpee y corrija a un estudiante con castigos físicos. La tabla será legal en Misuri y hay polémica entre los padres de familia.Miles de indocumentados están llegando a Neva York diariamente y la ciudad está colapsada, desde Texas están llegando inmigrantes marcados con brazaletes y la polémica apenas comienza.La NASA quiere mandar humanos a la superficie lunar y acá te tenemos todos los detalles del plan para regresar a la luna y del próximo lanzamiento de prueba.
In today's Audio Episode #826 of the "Digital Pratik Reloaded, "Digital Pratik shares with us how a service-based brand like Tabla Player can use Blockchain's potential to stay ahead of the curve." Connect with me on my other social accounts for more contextual content, offers & updates: My NFT: https://opensea.io/collection/jorrparivar Twitter: https://twitter.com/digitalpratik YouTube: https://digitalpratik.com/youtube Gujju YouTube: https://bit.ly/gujjudpyt LinkedIn: https://linkedin.com/in/digitalpratik Facebook: https://facebook.com/digitalpratik
With years of training with the best teachers, including Grammy award winner Ustad Zakir Hussain, it's no surprise that Salar Nader is considered percussionist royalty. Apart from composing Kite Runner's score, Salar has also performed for the hit show and is playing the tabla for its current Broadway run. Salar passionately shares the history of tabla and the tradition that comes with it, treating instruments as a living entities and why it's important for him to connect with an instrument before playing it. No matter how long he's been playing and making music, Salar still considers himself a student who has more to learn--whether it's from performing or from the cast. He shares a story of buying three sets of tablas in 2020 to use for Stanley Clarke's concert, not knowing that the world is going to shut down two weeks later. He talks about the longevity of tablas, and why he would usually have a secret backup off stage in case they break on the spot. Salar recalls how he met Khaled Hosseini in the late 90s and how he eventually ended up making music for the Kite Runner's stage adaptation. For Salar, music has no boundary and is the most peaceful way of connection. He shares the emotional aspect of playing music for Kite Runner, and why it gets heavy at times. Salar Nader is a percussionist, composer, producer, beat maker, and one of the most sought-after Tabla virtuosos of his generation. He started his music career at an early age, doing classical training with Tabla bols as his main concentration. He also began studying with the Grammy award-winning Tabla virtuoso, Ustad Zakir Hussain, at the age of seven. With years of training and experience, he has become the leading pioneer in combining the art of Tabla with the musical sounds and rhythms from Afghanistan being the primary component. He is constantly expanding his musical language by weaving Tabla into contemporary music. In 2019, Saler launched the Salar System Collective which offers scholarships, as well as The Salar System album. He originally composed the music for the hit Broadway show, Kite Runner, which has been nominated for several awards. He has now played the tabla in seven “Kite Runner” productions, including its current Broadway run. He's also currently touring with legendary bassist, Stanley Clarke. Connect with Salar: Twitter: @salarnader Instagram: @salar_system Website: www.salarnader.com Facebook: salartabla Connect with The Theatre Podcast: Support us on Patreon: Patreon.com/TheTheatrePodcast Twitter & Instagram: @theatre_podcast TikTok: @thetheatrepodcast Facebook.com/OfficialTheatrePodcast TheTheatrePodcast.com Alan's personal Instagram: @alanseales Email me at email@example.com. I want to know what you think. Learn more about your ad choices. Visit megaphone.fm/adchoices
En este episodio platicamos con Ángel Candia sobre el slut shaming y las apps de ligue que tanto amamos, aunque muchas veces en secreto. Y reconozcámoslo, en México y Latinoamérica es sumamente castigado nadamás hablar abiertamente de sexualidad ya ni se diga ejercer nuestra sexualidad con libertad, sin tapujos, y todavía más si eres parte de una minoría.
Tuvimos el honor de ser invitados por Violeta Quispe, artista de Sarhua, al primer Tabla Apakuykuy celebrado en nuestra ciudad. En este docupodcast de Por las Rutas conoceremos un poco más sobre esta tradición a través del testimonio de Violeta y de los sonidos propios de la ceremonia, registrados de primera mano. ¡Gracias a nuestros Patreons que hacen posible llegar semana a semana con los episodios de Por las Rutas! Para ser parte de nuestro Patreon, visita: https://www.patreon.com/porlasrutasdelacuriosidad; también puedes apoyarnos mediante Yape o Plin: https://bit.ly/2WVpqGc. Gracias por la portada a JB Design – Diseño, Diagramación y Publicidad REFERENCIAS: https://limaenescena.pe/tabla-apaykuy/ https://porlasrutas.com/episodio/t2e8/ MÚSICA UTILIZADA EN ESTE PROGRAMA (TODOS LOS DERECHOS PERTENECEN A LOS AUTORES, COMPOSITORES Y/O INTÉRPRETES) Enchanting adventures, Jay Man / Autor: Jay Man
The International Booker Prize is a prestigious award given to the author of a novel originally written in a language other than English and translated into English. It is a companion to the Booker prize for English-language novels. In 2022, the prize was awarded, for the first time, to a novel originally in an Indian language. The language was Hindi, and the novel was Tomb of Sand, written by Gitanjali Shree and translated by Daisy Rockwell. This episode examines the status of literature in India's national languages over the past century, since Bharati's time,and considers the role that translation may play today in re-kindling international interest in Indian literature. This episode will be followed by a second episode on translation that will look specifically at translation from Tamil to English, consider Bharati's thoughts and words on this issue, and sample his own, exquisite translations of works from classic Tamil literature. Music Credits: Drums of India, Bickram Ghosh on Tabla and V. Suresh On Ghatam. Subscribe to Bickram Ghosh's youtube channel. *Please note: an earlier version of this file contained some technical errors which have now been fixed. Thank you for your patience!
Bharati was deeply troubled by the apparent disintegration of moral values that characterized his times, affecting both colonized and colonial societies. He found himself perpetually searching for alternative ideals - sources of integrity and optimism - within the Indian philosophical traditions that he studied so deeply, with their rich and long histories. The breadth and depth of his reading and research are reflected in the essay "The Siddha & the Superman," first published in 1915, which is discussed in this episode. Bharati had not only read Nietzsche, but he had also reflected deeply upon the social implications of the German writer's powerful and controversial work. Bharati explores the Nietzschean character of the "superman" as an archetype that reflects the "historic reminiscences and spiritual aspirations" of Europe - and he compares and contrasts the "superman" with an analogous archetype from Indian culture, that of the "siddha", which Bharati translates as "perfected man." By juxtaposing these two, fundamentally contrasting models of human development, Bharati argues for the adoption of ideals that will encourage humanity to aspire for a better future - above all, one free of violence. Music Credits: Richard Strauss, "Also sprach Zarathustra," Opus 30, performed by the Chicago Symphony Orchestra with conductor Georg Solti. Drums of India, Bickram Ghosh on Tabla and V. Suresh On Ghatam. Subscribe to Bickram Ghosh's youtube channel.
Consigue tu Tabla de Meditación: https://meditada.com/ Si buscas dormir rápidamente y acabar con esa sensación de cansancio prueba a escuchar este audio, gracias a una voz relajante y una música calmada de fondo podrás descansar y encontrar el sueño rápido, espero que pueda ayudarte.
Consigue tu Tabla de Meditación: https://meditada.com/ Relajarse debería ser algo fundamental en el día a día de cualquier persona, disfruta de estos momentos de tranquilidad y relájate hasta dormir o hasta lograr la calma necesaria para continuar con tu día de la mejor forma posible. #relajacion
Consigue tu Tabla de Meditación: https://meditada.com/ En este sencillo ejercicio de mindfulness agradeceremos de una forma muy especial, piensa en esas 3 cosas que quieres agradecer y coméntalas aquí abajo!
Today on the podcast we are featuring the Toronto Tabla Ensemble learn more about them and listen to their track “Prayer For The Mother” featuring Bif Naked. About Toronto Tabla Ensemble: Toronto Tabla Ensemble (TTE) is a unique and multifaceted arts organization dedicated to promoting the North Indian classical art of tabla. The organization is led by founder and artistic director Ritesh Das, who oversees the organization's artistic vision, educational curriculum, and production activity. TTE is supported by self-generated income from classes, public support through grants, as well as private and corporate funding. The organization's aim is to share the depth and excitement of Indian classical music, culture, and history and make it accessible to all people. Get a full transcript of the show here! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/eat-sleep-breathe-music/message
Consigue tu Tabla de Meditación: https://meditada.com/ Recorre un camino precioso, el camino del amor propio, un desplazamiento a través del cual te verás a ti mism@ a través de un espejo y aprenderás a respetarte y quererte.
Consigue tu Tabla de Meditación: https://meditada.com/ Reflexiona con este cuento corto sobre 6 sabios ciegos, seguro que recordarás la maravillosa lección de vida que nos enseña.
In today's episode, we speak with Josh Sharkey, who is building culinary tech for future generations of foodservice professionals.Josh Sharkey is the founder and CEO of meez, a recipe tool for professional chefs. He's an entrepreneur, chef, and restaurant operator with over 20 years of experience in the industry (including restaurants Oceana, Tabla, Bouley, and Cafe Gray). Listen as Josh talks about the power of mise en place, using tech in the kitchen, how chefs can adapt their menu development with meez, and innovation in the culinary arts.
Consigue tu Tabla de Meditación: https://meditada.com/ Deja que el sueño llegue con esta meditación guiada, dormir profundamente es uno de los hábitos saludables que deberías integrar en tu vida, ya que pasamos 1/3 de nuestra vida durmiendo, asegúrate de que el descanso es profundo y reparador con la meditación.
María José O'Shea y Arturo Fontaine conversaron con la Senadora Ximena Rincón conversaron sobre la carta que envió Ricardo Lagos a la Convención y lo que se viene respecto al plebiscito de salida el próximo 4 de septiembre.
Descarga la Tabla de Meditación: https://meditada.com/ Elige tu color favorito y visualiza el círculo de la calma en tu mente, te ayudará a relajarte y enfocar tu cuerpo y tu ánimo al descanso profundo en tan solo 10 minutos de tu tiempo, espero que lo disfrutes y te deseo dulces sueños...
Consigue tu Tabla de Meditación: https://meditada.com/ Visualiza con esta meditación guiada una forma de sanar tu ansiedad o estrés y lograr descansar como te mereces, si te gusta este episodio te invito a seguir el podcast, tenemos mucho contenido de este tipo.
Consigue tu Tabla de Meditación: https://meditada.com/ Aprender a respirar cuando meditamos es importante, es por ello que hoy te enseño a hacerlo para relajarte y calmarte y así lograr dormir rápida y profundamente.
Rafa Ramos y Eli Patiño le echan una mirada rápida a lo que nos dejó la Jornada 15 y lo que nos espera en la Jornada 16. Pero el énfasis mayor es en la tabla de posiciones, donde más allá del Pachuca y los Tigres, existe un pelotón de la mediocridad, lo que refleja la tristeza y la pobreza de este torneo, que ya entra en su fase final.