Podcasts about Tower

On this week's show, Disneyland pros, David and Ronn take a speculative dive into a sizzling Disney topic. The Finding Nemo Submarine Voyage Refurbishment Project.What does this refurbishment tell us about the future of the attraction and Tomorrowland? Is just paint and polish? Are they adding anything new to the experience? New scenes? New practical elements? New projections?  Timeframe to refurbish Tomorrowland?What area of the Parks we would reimagine if we were Imagineers? Who are some of our favorite Disney characters? What can be done with the Launch Bay today and in the future?Plus, we remember, celebrate, and honor The Legend of Sleepy Hollow, The Wonderful World of Disney show featuring Tower of Terror, Mickey Mouse and Donald Duck's debut in China, and Walt's 1955 Tomorrowland dedication plaque, in this week in Disney history. All this and the big reveal of our Top 5 Things at Either Park We've Never Done or Experienced, and more!

All Hallows' Eve approaches and the Specter rises to let us into the shadow kingdom of Old Tower. We had an enchanting discussion on his process and philosophy, going from Old Tower's beginnings to the new album “The Old King of Witches.” Build a twilight world and tear apart the fabric of reality. Let the cauldron spill over.

Light The Tower October 26, 2021 Hour 2 by The Horn 104.9 & AM 1260

(Genesis 11:1-9) What do Dr. Suess, and Hitler have in common? That's right, nothing! But we will talk about both during our exploration of the Tower of Babel. This Week: Dictators, Rebellion, God's might, and Turtles.

Light The Tower October 26, 2021 Hour 1 by The Horn 104.9 & AM 1260

Old Stickfingers. Another simple Golgari commander? Not if we go TRUE VOLTRON again with this one! You can find last week's deck on TCGplayer! If you'd like to purchase any cards we've included in the deck if you use our affiliate link below it helps us out bigtime! https://bit.ly/E319OldStickOn top of American listeners getting our decks from TCGplayer, our Canadian listeners are better off using MTGCanada and the Wizard's Tower exclusive coupon code BREWADVENTURES to get 5% off your order and FREE Canadian shipping as long as you order $15 or more! Check it all out at www.mtgcanada.com/commandersbrew!You can always help the show directly through www.patreon.com/commandersbrew and get access to our discord to help us brew our decks as well as other perks!Visit www.commandersbrew.com for direct downloads and a streaming version of the podcast.Follow us on twitter at @commandersbrew and individually we are @seantabares and @andyhullbone."There It Is"Kevin MacLeod (incompetech.com)Licensed under Creative Commons: By Attribution 3.0http://creativecommons.org/licenses/by/3.0

Paul Blanco is the founder and CEO of Barnum Financial Group, an award-winning provider of comprehensive personalized planning, investment and protection solutions, and financial literacy programs to clients across the United  States. Throughout his career, Paul has been a tireless advocate for his firm and the communities it serves as well as for the financial services industry.  He began his career at MetLife as a financial services representative in 1991. In just two years, he moved into management,  taking over a seven person MetLife office in Trumbull, Connecticut. Today, Barnum has over 20 offices in Connecticut,  New York, New Jersey, Massachusetts, and Rhode Island.  In recognition of his vision and leadership, Paul became the youngest inductee into the MetLife Managers' Hall of Fame.  During his MetLife tenure, he won numerous accolades for his achievements including Top of the Tower, Golden Laureate, and Platinum Laureate. He has qualified for eight consecutive Management Leaders Conferences and fifteen America's  Council Conferences. Paul led the team at Barnum to be recognized by MetLife as their Firm of the Year in 2004, 2005,  2006, 2007, 2008, 2012, 2013, and 2015.  Paul is passionate in his belief that having well-trained and credentialed professionals providing personal financial advice and strategies can have a major positive impact on the lives of individuals and their families. This belief has led him to make substantial contributions to his industry including developing his Growth Through Innovation workshops, a  forum to deliver “best practices” across all aspects of our businesses to financial services leaders throughout the country.  In the last decade, Barnum has consistently been ranked as a “Best Place to Work” by organizations such as the Hartford  Business Journal and Providence Business News and “Best Company to Work For” by the New York State SHRM, The  Business Council of New York, and Best Companies Group. Most recently, Barnum was named a “Best Places to Work for  Financial Advisors” by Investment News.  Most recently, Paul's understanding of the importance of engaging young adults to take control of their financial futures has inspired him to spearhead the launch of The Establishment Barnum, a new approach to financial education and literacy focusing on young professionals.  He has served on GAMA Foundation's Board of Trustees and has written for their Great Ideas book series. He has qualified for the Master Agency Award, the International Management Diamond Plus and Diamond Awards, and the First in Class  GAMA International Award. GAMA has also named Barnum one of the top 100 U. S. Financial Agencies multiple times.  Paul was recently accepted into the Forbes Finance Council, an invitation-only community for executives in accounting,  financial planning, wealth and asset management, and investment firms, and has contributed insights to a number of their publications.. A noted industry speaker, Paul has appeared on many radio and television programs as well as in national and local publications, providing insights on leadership, recruiting, philanthropy, and industry innovation. 

We won't understand Martin Luther's unwavering defense of justification by faith alone apart from his life-changing encounter with the book of Romans. Today, R.C. Sproul describes how Luther came to understand the gospel for the first time. Get the 'Luther and the Reformation' 10-Part DVD for Your Gift of Any Amount: https://gift.renewingyourmind.org/1909/luther-and-the-reformation Don't forget to make RenewingYourMind.org your home for daily in-depth Bible study and Christian resources.

We’re back and we’re preparing to pillage. This weird, shining tower looks like it should contain treasures, or at least an interesting story to discuss. There’s rustling in the undergrowth surrounding it, but we’ll just... The post The Tower of the Elephant appeared first on Blasphemous Tomes.

Light The Tower October 25, 2021 Hour 2 by The Horn 104.9 & AM 1260

Light The Tower October 25, 2021 Hour 1 by The Horn 104.9 & AM 1260

On this week's episode of The One Piece Podcast we have the hosts Zach, Steve and Alex! We are joined this week  by very special guest, translator of One Piece in Shonen Jump and Manga Plus Stephen Paul, YouTuber extraordinaire TotallyNotMark and storyboard artist at Nickelodeon Josh McKenzie. This episode features a Manga Recap for Chapter 1029, “The Tower,” plus an Anime Recap with Sam Leach for Episodes 996, “Onigashima […] The post Episode 693, “Left Arm of the Unpopular One” (with @TotallyNotMark & @amonns) appeared first on The One Piece Podcast.

116: "It's hard to feel like you're taking care of the family when you are not the breadwinner." Exploring post-military life as a male military spouse with Keith Hayden Veteran, Military Spouse, and “Multi-Passionate” Author & Podcaster Keith Hayden is ready to take the last five years of his post-military life and online efforts to pursue entrepreneurship. He shares how Scott Tucker's book, Veteran Wealth Secrets, was the wake up call he needed to start networking and actively put his personal mission statement into action. He candidly shares how finances doesn't necessarily translate into post-military life, the challenges of getting his voice heard (as well as his other #mandependent peers) amongst the military spouse community, his latest projects, and much more. Connect with Keith Hayden https://keithhayden.net/ (https://keithhayden.net/) https://www.linkedin.com/in/keith-h-62b98049/ (https://www.linkedin.com/in/keith-h-62b98049/) https://www.youtube.com/channel/UCRLtV5pqNYG0zYn040Kl-Fg (https://www.youtube.com/channel/UCRLtV5pqNYG0zYn040Kl-Fg) https://twitter.com/kh_author (https://twitter.com/kh_author) Resources Keith's novel Cereus & Limnic: https://keithhayden.net/cereus-limnic-novel/ (https://keithhayden.net/cereus-limnic-novel/) Keith's Language Book: https://keithhayden.net/the-tower-of-babbling-learn-a-language/ (The Tower of Babbling - Learn a Language - Keith Hayden) Scott Tucker's Book: https://www.amazon.com/dp/B08HM61QLR/ref=cm_sw_em_r_mt_dp_X47EB10VV0ANHF9E5Q6V (Veteran Wealth Secrets) Listen to the Cereus & Limnic audio drama on Keith's website: https://keithhayden.net/claudiobookpodcast/ (https://keithhayden.net/claudiobookpodcast/) Spotify: https://open.spotify.com/show/6iqQ66Tn2HJrWFNNymOc58?si=xM4erOSoTnSpfUwthtslqw&dl_branch=1 (https://open.spotify.com/show/6iqQ66Tn2HJrWFNNymOc58?si=xM4erOSoTnSpfUwthtslqw&dl_branch=1) Apple Podcasts: https://podcasts.apple.com/us/podcast/cereus-limnic-episodic-audiobook/id1578766187 (https://podcasts.apple.com/us/podcast/cereus-limnic-episodic-audiobook/id1578766187) Amazon Music: https://music.amazon.com/podcasts/aa45da6b-8bba-413f-a2f2-ebd9433f88ea/CEREUS--LIMNIC-EPISODIC-AUDIOBOOK (https://music.amazon.com/podcasts/aa45da6b-8bba-413f-a2f2-ebd9433f88ea/CEREUS--LIMNIC-EPISODIC-AUDIOBOOK) Google Podcasts: https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5jYXB0aXZhdGUuZm0vY2VyZXVzLWxpbW5pYy1hdWRpb2Jvb2sv (https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5jYXB0aXZhdGUuZm0vY2VyZXVzLWxpbW5pYy1hdWRpb2Jvb2sv) Stitcher:https://www.stitcher.com/podcast/cereus-limnic-podcast/cereus-limnic (https://www.stitcher.com/podcast/cereus-limnic-podcast/cereus-limnic) iHeartRadio: https://iheart.com/podcast/86978586/ (https://iheart.com/podcast/86978586/) For the show's latest updates: https://mailchi.mp/1b82b843e41a/holdingdownthefort (https://mailchi.mp/1b82b843e41a/holdingdownthefort) -- Guest Applications are now open! Apply to be on our show at https://forms.gle/YdoNX9aR8RTEKpnCA (https://forms.gle/YdoNX9aR8RTEKpnCA) Stay updated! Subscribe to our newsletter http://eepurl.com/gTTOdT (http://eepurl.com/gTTOdT) Visit our website https://www.holdingdownthefortpodcast.com/ (https://www.holdingdownthefortpodcast.com/) Connect with our co-hosts Jen Amos jen@holdingdownthefortpodcast.com and Jenny Lynne Stroup https://jennylynnestroup.com/ (https://jennylynnestroup.com/) or jennylynnestroup379@gmail.com Sponsored by US VetWealth: Get FREE access to the Military Spouse's ToolKit for Agile and Purposeful Employment https://usvetwealth.com/military-spouses-toolkit-for-agile-and-purposeful-employment/ (https://usvetwealth.com/military-spouses-toolkit-for-agile-and-purposeful-employment/) September 2021, the show made the Final Slate in the https://www.podcastawards.com/ (16th Annual People's Choice Podcast Awards) for the Government & Organizations category. November 2020, Jen Amos and Holding Down the Fort Podcast was awarded Support this podcast

In our 197th episode, the Tantrum House Crew discuss 4 games coming to Kickstarter and list their favorite "spooky" games.Sponsors: Boardwalk, Bezier Games, AEG, The Game Steward, Game Toppers Tantrum House Podcast E.197—"Spookies"File Size: 33333 kbFile Type: mp3Download File [...]

Reviews of Dreadful Circus, That Time You Killed Me, Holiday Hijinks Series and so much more. Featured review: Unfathomable by Fantasy Flight Games; Reroll Greenville 1989 & Apocrypha. Board game discussion starts at 32:06 https://bluepegpinkpeg.com/ep206.Thank you to our sponsors: Queen Games, Grand Gamers Guild, and AEG. Timestamps: 32:06 - That Time You Killed Me; 37:46 - Tsukuyumi: Full Moon Down; 46:04 - Holiday Hijinks Series; 53:30-Dreadful Circus.

10/25/21 - In this episode, the panel discusses the Disney Vacation Club expansion tower coming to Disneyland Hotel at the Disneyland Resort!

Sophie (age 7) and Ellie (age 5) celebrate Hallowe'en by telling Ghost stories from history.----more----   They start with stories from ancient times. They tell how Odysseus went down to the underworld after winning the siege of Troy and met with ghosts. Aeneas, a Trojan prince, was fleeing Troy. He also visited the underworld and met with ghosts. The Romans loved ghost stories and lots of their stories have survived, including a spooky one about a haunted house with a ghost wrapped in chains. The Arabs also loved their ghost stories. The famous book, the Arabian nights has lots of ghost stories in it. Some of the most famous ghost stories in history involve Anne Boleyn. She was the second wife of Hentry VIII. She was executed by having her head chopped off. Many people later have said that they have seen her ghost. One story happened a 150 years ago in the Tower of London. A guard saw Anne Boleyn coming towards him. He attacked her with his bayonet. It went right through her. He was so afraid that he fainted. When he was found, he was put on trial for falling asleep. He told people what had happened but no one believed him. Then a General came forward and said that he too had seen Anne Boleyn's ghost. The soldier was freed. There are also stories of ghosts in wartime. In World War One British soldiers were fighting the Germans in a town called Mons. After the battle many people told a story of how soldiers with bows and arrows had come from the sky to help the British. It was as if English soldiers from the past had come to help. A writer came forward and said he had made the story up. However, many soldiers said it was true and that they had seen it for themselves. In another story a British soldier was killed in the trenches. His best friend was very sad. The next day the dead soldiers' ghost appeared to the man. The ghost pointed at the ground in the trench. The man started to dig where the ghost was pointing. He found a secret German tunnel filled with explosives that the Germans were going to blow up and kill all the British. The ghost had saved everyone's lives. The most famous ghost in history though it not British, it is American. Abraham Lincoln was the President of the United States. He won the American Civil War and ended slavery. Many people in the White House have said that they have seen or felt his presence. Afterwards, we talk about whether or not we believe in ghosts. The girls don't think they are real and we talk about some reasons why that might be the case. However, just before bed the girls hear a spooky sound… PATRONS CLUB If you liked this episode then do please join our Patron's Club. You can join at www.patreon.com/historystorytime.

While the Haunted Mansion and the Tower of Terror offer up their unique assortment of ghoulish delights all throughout the year, Halloween brings out all of the ghosts and ghouls to ratchet up that spooky vibe. From the Mickey Mouse jack-o-lanterns on the Main Street lampposts to the foreboding fog that blankets the grounds of the Haunted Mansion, the Magic Kingdom is transformed into a Creepy Kingdom where the spirits of beyond can come out to play. But as they say, despite all of the spooky additions to be found in the parks at this time of year, there's always room for one more. And in this episode, that's just what we're going to do. We're going to put on our Imagineering cloaks and share our thoughts on even more Halloween haunting ideas that we would love to see at the parks. So join us…if you dare!

This podcast features new music from: 0:00 - Igor Yalevic - "Papaver" - Still Life (Polar Seas Recordings) 4:26 - Mark Trecka - "Radiance (feat. Walt McClements)" Implication (Whited Sepulchre Records) 11:35 - Etre Ensemble - "O" Close (A Red Thread) 15:48 - HEXA - "Hallucination Liturgy" Material Interstices (Room40) 20:06 - Zhalih - "Yellow" They Call (Laaps) 22:20 - Andreas Brandal - "Sense" Primal 25:26 - Aaron Dilloway & Lucrecia Dalt - "Trueno" Lucy and Aaron (Hanson) 28:03 - machell andre - "POLYAMORY" POLYAMORY 33:46 - BlackFace Family - "Mowa (Beer)" Nthena 37:08 - Howland Reed - "All Memes go to Heaven" 40:01 - Astrid Sonne - "Stuck in Pause" Outside Your Lifetime (Escho) 43:00 - Kafari - "Rest My Head" Blanket of Black (Hot Record Societie) 45:11 - Sonae - "Soliel Noir" Summer (Laaps) 49:05 - Bring Me the Beasts - "arrow" I Did the Best I Could 52:53 - Matt Robidoux - "this is that instead" at dust (Already Dead) 55:12 - Matthew Ryals - "Post Interiors" Voltage Scores (Oxtail Recordings) 57:30 - Murgamade - “Zentralpark” Uma Causa Sua (Municipal K7) 1:04:00 - Chelsea Bridge and Jeremiah M. Carter - "Tower" The Way it Pours Into Itself (Whited Sepulchre Records) 1:05:25 - Fuubutsushi - "So Long, Champ" Natsukashii (懐かしい) (cached media) 1:08:07 - Cody Yantis - "Impotent Rebellion" Physical Silence (Round Bale Recording) 1:10:15 - Alister Fawnwoda (feat. Suzanne Ciani x Greg Leisz)- "Delayed" Night Bunny (AKP Records) 1:14:50 - P.M. Tummala - "Abstractions in Meera" Abstractions in Meera (Monstral) 1:19:27 - Memory Wound - "Corridor of Collapse" Lillian Drip (Orb Tapes)

Light The Tower October 22, 2021 Hour 2 by The Horn 104.9 & AM 1260

Light The Tower October 22, 2021 Hour 1 by The Horn 104.9 & AM 1260

When the same show gets requested by two different listeners the same week I pay attention.. and I must say I am quite pleased to be able to present this request on this week's Deadpod.  This comes to us from a show played on Sunday, October 28, 1979 at the Cape Cod Coliseum at South Yarmouth MA. You know the old saying about never missing a Sunday show - well this one certainly proves that old adage! It starts out just nuts with a great Mississippi Half-Step .. which Jerry and the boys jam out for over 13 minutes! That however is just the start as they flow into a amazing Franklin's Tower which runs almost another 18 minutes! Listen to the wonderful and unique interplay between Phil and Jerry here, its really lovely.  The rest of this set is no sleeper either. Even the more pedestrian tunes, like Mama Tried and Mexicali, are played with a real energy and drive. Ramble on Rose is a favorite of mine here, as is the closing, 10 minute 'Music Never Stopped'..      Grateful Dead Cape Cod Coliseum South Yarmouth, MA  10/28/79 - Sunday      One     Mississippi Half-Step Uptown Toodeloo [13:27] > Franklin's Tower [17:41] ; Mama Tried [2:31] > Mexicali Blues [4:24] ; Althea [7:48] ; Passenger [5:14] ; Ramble On Rose [7:49] ; The Music Never Stopped [9:36]    You can listen to this week's Deadpod here:  http://traffic.libsyn.com/deadshow/deadpod102221.mp3   thanks for your kind support of the Deadpod!  Be well and happy!   

Chris and Rob explain why the Philadelphia 76ers are doing the right thing by refusing to give in to Ben Simmons' trade demands, discuss if young players like Ja Morant and LaMelo Ball should be commended for rejecting the player movement era led by LeBron and KD, and tell us why they're very concerned about Zion Williamson's fitness level right now. Plus, the guys go head-to-head in a Denver Broncos/Cleveland Browns themed edition of Teichert's Tower of Trivia. Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

Light The Tower October 21, 2021 Hour 2 by The Horn 104.9 & AM 1260

Light The Tower October 21, 2021 Hour 1 by The Horn 104.9 & AM 1260

We Are Back! For this episode 84 of Fear the Walking Dead Talk Through, Kyle, Brian (in limited fashion), and LT talk through Season 7 Episode 1 of Fear the Walking Dead, the season premiere, titled The Beacon, which was written by co-showrunners Ian Goldberg & Andrew Chambliss and directed by co-executive producer Michael E. Satrazemis. In the aftermath of nuclear destruction, Strand thrives in the new world.

We Are Back! For this episode 84 of Fear the Walking Dead Talk Through, Kyle, Brian (in limited fashion), and LT talk through Season 7 Episode 1 of Fear the Walking Dead, the season premiere, titled The Beacon, which was written by co-showrunners Ian Goldberg & Andrew Chambliss and directed by co-executive producer Michael E. Satrazemis. In the aftermath of nuclear destruction, Strand thrives in the new world.

Mark is a real estate investor with a passion for renovating historic buildings and improving property management. He came into real estate mostly by chance. In his early twenties, he worked as a musician before he transitioned into construction and property management. He learned construction by renovating his single-family house and the various investment properties Phoebe and he have renovated/managed along the way.   [00:01 - 04:38] Opening Segment Get to know Mark Davenport How Mark and his wife got into real estate Kansas City Real Estate   [04:39 - 09:52] Working Together What makes Mark unique is… Looking for something with potential and excitement! Mark's Real Estate Mindset “We work on it together.”   [09:53 - 23:31]  They Bought a 12 Story Tower! How to Get Your Mindset in the Right Place Internal State versus Decision-Making Real Estate in the United Kingdom How to Get Over Rejection Mark's Rejection Stories Recognizing Value Differently The Types of Deals Mark Invests In At the Beginning of The Historic West Bottoms   [23:22 - 30:22] Closing Segment Quick break for our sponsorsGroundfloor offers short-term, high-yield real estate debt investments to the general public. Check www.passivewealthstrategy.com/groundfloor/ to get started. What is the best investment you've ever made other than your education?Single family to a duplex Mark's worst investmentSingle family homes What is the most important lesson that you've learned in business and investing?“Just take the next step.” Connect with my guest. See the links below.   Tweetable Quotes: “You can always make the next step.” - Mark Davenport “I like to be at the beginning.” - Mark Davenport “You just gotta do it.” - Mark Davenport ------------ Connect with Mark Davenport through hello@levareproperties.com, Instagram and LinkedIn.  Visit their website https://www.levareproperties.com/.   Invest passively in multiple commercial real estate assets such as apartments, self storage, medical facilities, hotels and more through https://www.passivewealthstrategy.com/crowdstreet/ Participate directly in real estate investment loans on a fractional basis. Go to www.passivewealthstrategy.com/groundfloor/ and get ready to invest on your own terms.  LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode or click here to listen to our previous episodes.                   

Nate Smith and Chris Francis hop into the CtB podcast resort studios to break down the Cavs' opener, a tough loss against the Memphis Grizzlies led by the ridiculousness of Ja Morant, 132-121. The duo breaks down this game from every angle including J.B.'s "Tower City" experiment, featuring Lauri Markkanen at the three, the strange closing lineup, a brilliant night by Jarrett Allen, and the promising debut of one, Evan Mobley. For a nice coda, Nate and Chris also do a little “around the world” of the NBA, including waxing poetic the greatness of Giannis Antetokounmpo, the somewhat surprising spryness of the Golden State Warriors, and whether the Lakers or Nets should be concerned. And as always, stick around for a hilarious “pitches” segment, because CtB is nothing if not fun! See omnystudio.com/listener for privacy information.

Light The Tower October 20, 2021 Hour 2 by The Horn 104.9 & AM 1260

Light The Tower October 20, 2021 Hour 1 by The Horn 104.9 & AM 1260

EP278 - Adobe Holiday E-Commerce Forecast with Taylor Schreiner In Episode 277 we covered some of the early overall holiday sales forecasts, and the issues likely to impact this holiday season. In this episdoe we get the very first look at Adobe 2021 Holiday Shopping Forecast. This is a deep dive on digital shopping behaviors based on Adobe Analytics, which analyzes 1 trillion visits to retail sites and over 100 million SKUs. We break it all down with Taylor Schreiner, Director of Adobe Digital Insights. Episode 278 of the Jason & Scot show was recorded on Thursday. October 14th, 2021. 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: [0:24] Welcome to the Jason and Scot show this episode is being recorded on Thursday October 14 2021 I'm your host Jason retailgeek Goldberg and as usual I'm here with your co-hosts Scot Wingo. Scot: [0:38] Hey Jason and welcome back Jason Scott show listeners we are smack in the middle of October and for all of our retail listeners you know what that means it is go time for Holiday 21 way back in episode 277 last week we talked about the supply chain challenges I like to call that Supply pain and we shared the e-commerce retail forecast from Salesforce Deloitte and beIN but there was one notable missing forecast from that list and that's one of our favorites the Adobe forecast well in this episode we're going to fix that hole in the universe we're going to fill it and Adobe is releasing their holiday forecast here on the 20th which is when we'll be releasing this podcast and we are really excited to have with us today Taylor Schreiner he is the director of Adobe Digital insights and fun fact this is adobe's fifth time on the show Welcome Back Taylor. Taylor: [1:34] Thanks God do we get a free sandwich. Scot: [1:37] Sure if we were there together we would have a sandwich but we'll we'll do a virtual high five instead how about that. Jason: [1:44] Just to warn you Scott's character is like grilled into the sandwich so some people find that. Taylor: [1:49] Oh no I'll close my eyes this could thank you Scott thank you Jason it's great to be here we'd love talking to you guys and we love listening to you guys so it's a fun conversation to have. Jason: [2:03] We are thrilled to have you Taylor and I do want to Dive Right In to your methodology and then your data but before we do real briefly remind. Um the audience what your role is at at Adobe to sort of frame frame where your perspective is coming from. Taylor: [2:20] Sure so I run a group called Adobe Digital insights it's got mentioned and we are charged with, using aggregated and anonymized adopted in data to. Help the industry retail and other Industries as well understand the major trends that we see in the data that comes through Adobe analytics or adobe Commerce or any of the other. I could get it to Commerce and experience cloud services that we have. So so our job is to tell stories to make it take all that huge area did it and tell stories that help people understand their world. Jason: [2:59] That's awesome and so there's a bunch of different components of the the Adobe marketing cloud in the do Adobe Commerce Cloud but. Sort of Marque things Adobe analytics which a long time ago too many of us that are super old was Adobe was omniture, is a is a key component of the analytics suite and Magento is a key component of the marketing cloud and so you you get to see, an awful lot of, Commerce transactions across the web via those two products and the rest of the the Adobe stack and you get to use that anonymized data to sort of formulate this holiday forecasting this case is do I have that right. Taylor: [3:41] Absolutely and I really appreciate you calling me super old. Jason: [3:44] I didn't say you called it I'm not sure I said I. Taylor: [3:47] I remember I remember the under two days I do but yes. Jason: [3:50] I'm pretty sure there's like the URL for the analytics dashboard still says all mature. Taylor: [3:54] I think sometimes it does yeah now it's absolutely right face. Jason: [3:58] And then one important distinction some of the. Holiday forecast that Scott mentioned in the intro are actually overall retail forecast and one of the things that that is unique your forecast is slightly more focused you're focused on digital Commerce do I have that right. Taylor: [4:16] That's right we have we focused exclusively on digital Commerce and we're looking what makes us unique is that we are looking across, over a trillion interactions with retailers across thousands of retailers across over a hundred million skus with a boatload of AI behind that sort of categorizing and understanding it but you know the core of it I think for your listeners is weird. The where the group is actually looking at what people are buying in what quantity and what they're actually paying for it. It's ridiculous prices we're not doing surveys were actually looking at the the behaviors that we can observe a huge scale and using that to do both the reporting in this case are forecasting of the holiday season. Jason: [4:56] Yeah and that's super exciting to me because that I frequently rail against the value of stated preference surveys in our industry and and what we're talking about today is observed preferences lies actual data and consumer behavior that you're watching. Taylor: [5:11] Absolutely and it's gonna be fascinating. Jason: [5:13] Yeah so just two other minor precursors and we'll jump in because there is so much variability out there when you say holiday what date range are you talking about. Taylor: [5:22] Good point right now we're talking about the first of November till the end of the year although arguably make it into it you know some of the stuff is starting to creep into October 2 but when we talk about numbers were talking about November 1 to December 31. Jason: [5:34] Perfect we'll come back to that but yeah I think I think the the shoulders of that season are going to be more interesting than ever and then when you say, retail. Like approximately like what is in retail to you I could go US Department of Commerce restaurants and gas stations are in there like do you guys have a standard definition of retail just to kind of frame what we're talking about. Taylor: [5:56] We generally look at a thing where the transaction the Fulfillment are fully executed online we exclude from this things like travel which is a different industry or anything where it's simply a payment system online but you know any Commerce where you're doing your shopping, your your payment and your fulfillment online generally falls into into our space so not restaurants are delivery services but but the goods that you would normally associate with with retail shopping outside of that. Jason: [6:27] Awesome and so digital grocery than would be in there. Taylor: [6:29] Yes he's a digital grocery appliances apparel all that kind of thing. Jason: [6:34] Perfect okay well I think that's enough Preamble and we've done enough teasing what's what's the Top Line are we all going to get our bonuses this year or is it going to be bleak. Taylor: [6:43] It's your our data showing a good year or days showing a year where the story is really consumers want to shop consumers wanted to go buy online but it's going to be really different year for retailers and for consumers because of the supply pain that Scott was referring to earlier they're going to see a lot more out of stock they're going to see a lot, you know a lot higher prices frankly and that's I think it'll hold us back from having a incredible year. Now just keep in mind I'm talking about a 207 billion dollar, season which you know we don't have a great aggregate retail forecast that we based off right now but that's roughly $1 and for of all of all retailgeek. As far as we can see maybe a little more than that. And it's 10 percent up from last year which you know in the long run of historical growth rates is a little bit low but we're getting off of a 33% jump the year before so if you kind of look all the way back to 2019 we're still. Accelerated from where you would have expected us to be if you've been projecting from a prepaid nemec stance so it kind of depends on where you're looking at it from. But however you look at it it's going to be a big year. Jason: [7:58] Got it so in my mind I sort of think of it traditionally year of e-commerce growth for Holiday being kind of like pre-pandemic. We were kind of running in this like 10 to 15% a year sort of range, um and all of retail would be growing at like four percent a year so then last year the pandemic forces everyone online we have this monster year 33 percent and then this year you're looking for you're looking at 10% on top of last year's monster year. Taylor: [8:27] That's right that's right still going to grow it's still good grow significantly it's still good grow you know maybe as you stay at the kind of lower bound of what we used to see but it's a real real growth rate now they'll be some differences in what grows and how it grows you can get into that but it's going to be a good year. Jason: [8:44] And one of the thing that's always funny to me is I guarantee you when the the sort of superficial press get ahold of your forecast they're all going to write the story about how e-commerce has is slowing way down. Taylor: [8:58] Right yeah nobody wants to talk about two year growth rate or you know try and digest everything that's happened over over the course of the pandemic and fine and but I know, when you step back even a little bit e-commerce has transformed over the past 20 24 months I think the bigger story is people are shopping for their groceries people are shopping for their Furniture you know folks out here in Berkeley or buying compost online, the way that people engage with e-commerce has radically transformed over the course of the pandemic and that's here to stay and that's this the basis of that growth and that you know that's the part that really has accelerated over the course of cobit so if you want to look at a particular growth rate and say it's slowing down, fair enough, but I don't think for instance you know I want to make predictions in 223 but I don't think this 10 percent growth rate in 22 is telling you that 23 is going to be slow I think it's more of a balancing act between. 2020 and 2021. Jason: [9:58] And again like this still means e-commerce is almost certainly growing faster than brick and mortar. Filming the whole industry is still growing in a very disruptive year I do want to like maybe double-click on covid just for a second because this was the big open question when we were all living through, the first half of the pandemic was sure. Everybody's turning to e-commerce people don't want to go to the stores there's health and safety issues they're all they're all these open things so not surprising that it drove more people online a big question at that time was. Is this just an acceleration of a trend and this is going to be the new normal or will those people all be desperate to go back to the store and resume and back to the mall and kind of resume their pre-pandemic. Shopping behaviors and. My read of your data says no no we're locking in all those changes that happened last year and then we're we're growing at a pretty healthy clip from there is that a fair way to be thinking about it or am I wrong headed as got usually points out. Taylor: [11:02] No in this particular case you happen to be right the that's absolutely true if you look at the aggregate growth I think it tells exactly that story that it, it is we're banking all the gains that you got through covid and there were growing on top of that, I think another stat I think really tells the story is our buy online pick up curbside. Data which you know followed that trajectory you talked about Jason, getting up there as we got into the pandemic and retailers adjusted we have a we have a set of retailers we look at the median portion of their online purchase online orders that are fulfilled curbside and that ramped right up last year with all of its fulfillment challenges ranked right up right before Christmas you about 25% we thought that's a that's a high peak right we got into April of this year and it gone right back up to 25% people are still going and pick you up curbside that's a habit that they're in their shopping online and fulfilling next to the store and we expect that to hit a whole new record frankly as we go into this year so it's a it's a habit that people have gotten into and they're not letting go of. Jason: [12:10] Wow and if this is from memory but I want to say last year you guys said that well well e-commerce grew at 33% the dopest segments are the curbside pickup segment grew way faster than that it was like a hundred and ninety-five percent. Taylor: [12:25] Yeah I don't have enough time I have like it's something like that it was it was significant and this year's going to be. Going to be crazy and you know anecdotally you know there are a number of stores where I think hey I really like this I'm not going to set foot in number of those I'll shop with them but I'm against it putting them again for a while if I don't have to this is great for me. Jason: [12:47] Yeah you know it's maybe only partly analogous but I talked to a lot of Quick Serve restaurants. And you know they have the same thing right they sold they sold meals but it was all off Prem consumption and you know the restaurants that have the biggest intrinsic Advantage were ones with drug through. And I've talked to an awful lot of restaurant tours that are like if I could wave a magic wand and make my dining room go away and have a more robust drive through. I would do it because that's the customer that that appears to be the long-term customer preference. Taylor: [13:19] Yeah I think and I think a lot of retailers who have got good real estate or obviously having to rethink how much of this is a you know distribution center and how much of this is a shopping experience and you know it's gonna be different than it was two years ago for sure. Jason: [13:34] And then I guess the one other sort of observational thing I've noted is. Yeah so you know our store is going to get people to walk back in the store to pick up those digital orders are they going to continue to pick them up at curbside and you know one who knows but one clue. Um is pre-pandemic Walmart had these in storage lockers these robotic lockers this cool Tower and all their stores. Um and they d installed all of those towers and they're now doing a national remodel with a much more robust, curbside picking lot parking lot right so it seems very clear and Walmart's case that they're saying hey the. You know this isn't just a reaction of the pandemic this is a you know a permanent infrastructure change we're making two. To make to eliminate in-store pickup and make curbside pickup more. Taylor: [14:24] I think that's right I think that is likely the trend I think you know it there's a lot. A lot of the hassle of of shopping that you're removing with shopping online and pick you up at the store is, is that last not mile I mean the last you know a hundred feet hundred yards of going in there and getting in the inline or whatever if you can just sit with your app and check your email with some well so they put stuff in the trunk that's a lot of a lot of value add there so I would expect that to be continue to be the trend. Scot: [14:52] Bullets as I introduced I'm kind of keenly aware or following the supply chain stuff and I noticed in the front of your presentation one of the bullets is unprecedented out of stock levels if you guys can you share like you know what you think that's going to be and is there any way to put a number on that like you're numb your forecast would have been you know twice as big if it wasn't for this or you just guys are just flagging it as this adds risk to the holiday. Taylor: [15:21] It's a fair question something we think a lot about I mean it's really hard to characterize and we probably just need more more. Time with the with the day I met don't make time to think about it but time series data to really understand how out of stock. Alters people shopping behaviors whether they abandon or whether they take some to which they redirect themselves. I will tell you is that you're going into if you look at sort of 2019 isn't as the normal it was growing when people were getting more out of stock items more of stock hits over time maybe you know creeping up toward fifty or a hundred percent more even over the course of the year and the pandemic hits and people are five times more likely basically four and a half to five times more likely to get an out of stock message and that's today that's not necessarily going to Holiday where things could get more challenging. So that could go up where we see it often isn't most often is in apparel so again you know I think it's going to affect different categories differently out of socks in the Peril can be if you're looking for a particular stereo pair of sneakers or particular you know this is the 20th so what made you I was buying for my wife but something you know a vest or something right that is her birthday is on the 23rd so I want to tell her what's what I was shopping for, anyway the you know you might not get that. Scot: [16:46] Is your wife a listener. Taylor: [16:48] I really doubt it. But yeah you might get redirected to something else whereas in electronics for instance we see you know a lot of chips shortages but. But price is a bigger factor in some of that marketing and decision making and so you're able to see apparel prices creep up a little bit but a lot about a stock you see for instance Electronics prices creep up a lot from what we would have expected but that that has reduced the out-of-stock challenges that they faced. Scot: [17:24] So so it's hard to put a quantity quantify on at this point maybe you think after the holiday you guys will be able to. Taylor: [17:31] I think it'll be easy yeah I mean you know we have a clear estimate of what things might have looked like before I think after the holiday talk to us in January we can we will have a better sense of how this played out this holiday season one of the challenges that I think is out there is it's not clear yet how much out of stock consumers are really going to see this season, based on you know when retailers are running promotions how they're stocking us those promotions how they're managing their their portfolio of goods so. We'll have to see but it's something that yeah had Beyond in January we'll talk about. Scot: [18:09] Okay it's going to be more of a chess game because the retailer they have the only information about what they have and what they can expect and then matching that to the promotional calendar this year is going to be interesting and playing a little game of chicken with the consumer to because consumers should be reading about this a lot so it's going to be fascinating to watch watch how that plays out. Taylor: [18:29] Yeah I've been recommending to Consumers frankly to make two lists, say look you got one list of things where I know I want this for the holidays and you got to buy it early because you might worry about your your out-of-stock situation and then another set of goods were you think hey you know if this doesn't come through or if I don't get specifically the version of this that I want yeah if I don't get this TV but I get a different brand TV I'm okay and then those things you can really shop for on the big major sailed is but it's you know. It's going to be it's a lot of a lot of work for the retailers to figure out how this game is going to play out and frankly it's gonna be a lot of work for consumers to figure out how they're going to address it. Jason: [19:10] I guess one of the ways I think about this it's important to remember that out of stock does not automatically mean wah sales like a lot of times there's a. Customers first choice but the they'll make on the Fly substitutions are switches when they discover some things out of stock so we still capture that. That's a land it seems like all like you know all the people forecasting retail sales for this holiday are pretty robust numbers you're coming in with a pretty robust number, everyone saying we're not going to find, consumers first choice of goods so the sort of logical conclusion here is the consumers in a spending mood when I go to the store to get baby grow goo for Scott for Christmas and it's out. Um Scott's going to have to settle for some cool dune toy that I find. Taylor: [19:58] Hey didn't really cool the The Arc right and I think maybe the way to answer Scott's question directly is you know. In the face of this rapidly increasing out of stock, we're seeing at least you know up to the 5x of what we saw in 2018 we have still seen really impressive growth this year especially we're 2019 so so far whatever headwind it is is not. Super significant now I think you know the experiment that will be able to look at is if this starts to spike as we go into the holiday season if retailers have a hard time matching their inventory with with consumer demand then that might have a bigger impact in the they'll be saying we can look at more closely. Jason: [20:42] So you alluded to some of the categories and I have a feeling that. Um that both out of stocks and the impact of out of stocks could play out very differently in different categories right like if someone goes to the grocery store and we're out there out of your preferred brand of toilet paper. You're probably going to switch to another toilet paper but if there's a particular luxury fashion item or a particular toy that little Johnny is asking for for Christmas. Um you might be more inclined to hunt her harder for that product or defer that purchase and get it later or something like that right is does that make sense. Taylor: [21:16] Absolutely yeah and you know grocery out of stocks are not not at all infrequent with your particular Goods at a particular moment and then apparel is something I don't know about the rest of you but I've gotten. Pretty acclimated to the notion that I'm not necessarily going to be able to find the size and the color I'm looking for on the first try that it's quite quite possible I have to hunt around but you know there's a lot there a lot of style choices that go into that whereas I think you know if you're looking for a you know something specific as you say you know for particular. Particular toy your gift you might have to hunt them different retailers to go find it but you might be willing to do that exactly well. Jason: [21:58] So when you roll it out all that up are there any categories in your mind and end up being clear winners or losers for holiday. Taylor: [22:06] Well you know I think the it's it's a good question the the. [22:17] Clearly where we've seen growth is where we've seen the clearest growth in the holiday and in e-commerce in general has been in the things that are not holiday specifics of groceries apparel those kinds of things have really grown and we continue to see them grow so in some sense they are the Commerce winners because they've really absorbed the, I think what's going to be very successful early on are going to be these deals that get spread out around electronics and other gifts in an apparel we expect to see those went out very well I've got my eye though on non physical Goods things like downloadable games and things like that that happen the mic pop up toward the Christmas season is people who are looking to deliver something that is great experience especially for kids that isn't going to be constrained by shipping challenges and then. [23:18] I don't know where to put my bets this year because I've got my eye both on the demand that I see in a lot of things like gaming consoles that are looking great but also on you know there's a big question mark over over Supply challenges and how that will play out for them so I would be cautious in spread my bets but but electron you know the traditional gift areas are going to do really well and apparel seems to be continuing to take off very strongly in what we've seen so far. Jason: [23:48] So you the non-physical thing is super interesting ordinarily and holiday like as you get closer to the end of the year and you kind of hit shipping cut-offs and last year we talked about a lot about ship again I didn't, and you know bottleneck sit ups and FedEx and all of that you know retailers pivot to trying to sell. Intangible products pretty hard right and most notably gift cards so I imagine that with the the inventory situations this year that that's going to be more prominent than ever that you know if you can't find the, the toy you really want you know it might be an IOU you're getting, it holiday in the hopes of getting it in January or February but there is a new kind of intangible that kind of didn't exist last year and is having a little bit of moment and I have a feeling Scott's way more into it than I am but why. Does all do all of these out of stocks kind of play into the the the. In Ft kind of hate this year do you think that we could start to see some of them on the holiday wish list. Taylor: [24:52] I think I think in a few still have a ways to bleed into you know consumer experiences and consumer expectations that I see a lot of reading and not a lot of a lot of buying but if people can figure out how if retailers can figure out how to make. You're kind of cross that Chasm and figure out how to make it a real consumer experience and yeah I think there's a lot of opportunity there for that and you know and speaking of things that are not necessarily tangible and expire or unique you know we don't forecast travel into our into our data but we do look at travel and right now you know prices for. Plane tickets are about 13 percent less than they were on average in 2019 so you know depending on how. Vaccinations and mask mandates and travel restrictions all play out there may be a push if knock wood covid gets better for more experiential, experience driven options for people to give as gifts to. Scot: [25:49] One of the things that I've been really intrigued by and this is because some of the companies have gone public but this buy now pay later and I saw you called it out and I've seen a lot of the Wall Street analyst as a for my generation I look at it I'm kind of like, you know why don't I just put that on the credit card what's interesting is I've seen this whole generational thing where Millennials and gen Z years they're looking at it as they associate the credit around the item they don't like kind of having open credit and they want it to be around a specific item what what are you guys seeing as it relates to the be npl. Taylor: [26:25] We love new acronyms right be in PL no I have exactly the same experience you just got where I think exactly what you do this but we had two sources on this one is we looked at the actual data that we see flowing through our systems and we saw skyrocketing last year of buy now pay later Behavior we saw about 44 percent growth over the course of the year, weeks that slowed a little bit in percentage terms as we went through this year but you know as we get back into the holiday season I have every reason to expect that to re-accelerate, and you saw quite the distribution two of you know sources of this is some retailers got into this business a lot of financial institutions got certain play in this area so there's a lot more more options we saw those we saw the minimums for buy now pay later come down from those institutions and simultaneously we actually saw consumers spend more or put put bigger purchases on buy now pay later, and when we surveyed about it we, we saw what you were alluding to Scott this is a generational difference in the way that people manage and even think about what credit really is and was striking to me is that the top, category that folks told us that they were interested in using buy now pay later for was was clothing that they were making those kind of purchases and and Spring Meadow over time because they were, lumpy in their year and then they were spreading it out across their income without affecting their credit. [27:52] Electronics was obviously on that that set to you going to buy your television as televisions get bigger and more expensive or cheaper but bigger but what was the. [28:02] Third category that I thought was fascinating was groceries. And not again we dug under that that wasn't just people it wasn't generally people saying look I've got a week's worth of groceries and I spread the payments out over four weeks that's hard to make sense of but but more you know I'm throwing a party or having an event and I have a spike in my grocery budget no one at this I want to smooth it so it is a and then they were everyone was managing it sort of separately from this notion of having a lump of credit card debt they had a managed versus a purchase they had to think out and pay off those are two really different categories so it is it's a really different way of thinking about credit that's manifesting in buy now pay later and it seems to continue to be growing at a significant rate. Scot: [28:49] Yeah do you think. The pitch that a lot of these so that the two big companies are there's three there's a firm karna and after by and I'm sure there's more egg even like shopify's coming out with their own and what not, their pitch to retailers is it bumps up your cart size right do you think, is this going to be a factor this holiday in our is it going to bump up the ASP you think there are still too small to be a meaningful consideration. Taylor: [29:17] You know when we when you average across the enormous event that is the holiday season I don't think we're going to see average order value is our average basket, values go up significantly more noticeably are or more to the point me off trend of what we've seen in the past that said, you know I think. If these retailers are thinking about their customer base has more granularly and they're thinking well I've got a group of folks who I can actually juice where I can do sup there their basket sizes and their purchases by offering that I think that probably is true and, you know as with these kind of generational shifts it may make a difference in the longer term as you change consumer buying habits it may open up a door for that generation is incomes increase and time goes by so I think probably more of a long-term play when it comes to aggregate average order values but for specific audiences for specific customer bases I think it did make a difference. Jason: [30:18] Yeah it's going to be interesting you know there's a payment method that historically has been really popular holiday that you know. Rich people that listen to e-commerce podcast don't tend to think about but it's layaway. And I like one of the interesting Trends you know Walmart which does a very robust delay way business retired their layaway this year in favor of a buy now pay later service. Taylor: [30:44] Yeah I remember the I remember the Layla way shelves. Toys R Us when I was a kid and just sitting them seeing all these items sit there waiting for people to pay for them but if you can get the same effect. And both for the consumer on their credit and for the retailer in terms of getting paid then it's certainly more enticing for the customer to actually get the item rather than wait for it. Jason: [31:10] I know for sure I do like to sad things there was kind of a fun tradition because of away away some very kind people would often go into a retail store. And pay everyone's layaway. And it was kind of this like secret Santa thing and you know it would happen every year there would be lots of these cool stories so I worry we're going to miss out on that which you know probably isn't. Isn't hugely meaningful but it said to me but the other thing that worries me a little bit about holiday I do think like based on your growth forecast like this is going to be a bunch of consumers first experience with these buy now pay later services, and I would still say there's a lot of consumer confusion because like I look at the landscape of these services. And the spectrum is very broad there are you know some kind of thinly veiled payday loan operators that are you know charging like huge interest and late fees and all these things on one end and then there's there's some like. Really generous programs that are very popular in here that don't charge interest in don't have late fees and you know is sort of a. Very low cost and so it. I'm not sure consumers are going to be Savvy enough to differentiate all of those for this holiday I know Target in particular is offering two different buy now pay later options and. Consumers are going to have to learn how to shop for those vendors now. Taylor: [32:35] I think that's absolutely right Jason it's very hard you know it's sort of an unstructured product that can have a lot of different attributes and it's not like a credit card where you we serve reduced it to something like credit limit and interest rate right with some with some bells and whistles and it's also not, it's not even something that consumers know how to frame necessarily like I certainly didn't when I got into the space what is this what are these payments mean what is the penalty if I miss the payment you know what are my other options how are we going to communicate how you get paid what information do you need has if at my credit score it's a lot to think about and it's going to you know thinking has a lot of costs especially when consumers are shopping this quickly so you know I think we'll have a reckoning Reckoning but a moment to pause and. Reflect on how this all evolved we get to the holiday season it will see some things shake out I would imagine. Jason: [33:31] Next well let's pivot to something near and dear to my heart the we alluded to up top the shape of holiday so there's two. Parts of this that are super interesting to me, ordinarily when we talk about holiday we're laser focused on these five days at the end of November the turkey fiber that I think you guys caught the Cyber five. Taylor: [33:53] Yeah they're my wake up at 3 a.m. 5 so I have I hold them in a different regard but they are. You know the story that you know when we would talk to you guys before for the pandemic would always be you know hey this the the season is growing but these big days are growing faster retailers are concentrated you're competing and concentrating their deals on those days and we're seeing retail consumers follow suit and they're expecting those deals on those days that really flipped around last year we had a massive growth last year about 30 odd percent 33 percent for the season. [34:27] But the individual days were growing in the low 20s there are growing about 10% slower then the season as a whole and we expect that again this year we expect the season to grow at about 10% expect the big days to grow about five-ish percent. To be clear they're going to break records I mean we're going to have an 11 plus billion dollar a day on Cyber Monday we're gonna you know Black Friday is going to going to inch up close to 10 billion Thanksgiving is going to be you know over five it'll, level that we used to call Young used to be Black Friday of numbers it's going to be massive but both because, retailers are spreading out the deals for supply and fulfillment reasons and because consumers have really shifted what it mean what e-commerce means in other words they've established sort of water level of shopping for things that are not holiday and promotionally driven, those percentages are harder to move than they used to be so yeah it's going to be they're going to be big days they're gonna be huge that last hour before the end of Cyber Monday we're going to see $12,000,000 move through the system in a minute so, every minute so it's going to be big but it's going to be a different pattern especially the thing from the Retailer's perspective than we've seen in the past. Jason: [35:40] Interesting and do you have a feel for like how much it like I think you hit on the 2 reasons for it like one is the lot of large numbers there already huge. Huge numbers and and you know frankly in some cases quite you just can't squeeze more Goods through the. The funnels on those days and then the other one is changing consumer patterns and and just you know more General e-commerce consumption on every other day of the month and all those other things like it, I'm assuming it's a blend of both of those but but is is this year more prominent that people are going to be holiday shopping on other days or you think we've just. Taylor: [36:18] Yeah it's hard it's a hard call I think what's unusual about this year's really the retailer side I mean you could imagine a world where with fewer Supply constraints where retailers are more willing to put big sales on those big days and compete for eyeballs and four dollars so maybe a maybe there's a new normal where that changes but what I don't think is changing is that consumers are now permanently going to be in a state where Ecommerce is more and more available to them where you know be their home. Certainly their phone is is increasingly an easy place to go shopping and so all this concentration on these days is going to make less and less sense to them in terms of shopping behaviors if you go back out you know the origin of these days is really about sitting outside a big box and and can't be out and trying to get deals because you had to go in person but if you don't, if you if you if it's less and less the case that you actually have to go get things then it becomes easier and easier to spread out your purchases over time and if you're always shopping online you're not, you know just sort of the complete opposite of what you know going going to the office for Cyber Monday to go shopping which is what some of us used to do then you know you're much more open to these deals and opportunities that that retailers can offer you throughout the season so that part's not going away. Jason: [37:40] That's a great point so so then let's let's zoom out a little bit you guys are counting holiday is November 1 through December 31st a lot of retailers would, include January in there, holiday season again a lot of you know gift cards and returns and people you know come in with that return and they buy more stuff so January normally is a good month, and then this year the deals. Started in October right like Amazon Started Black Friday deals on October 4th time to get started on October 10th I think. Sort of boosted because of the supply chain concerns retailers are fighting really hard to start holiday shopping in October, and because all the stuff we really want is stuck on a boat off the coast of Long Beach we might not get it until January or February so with all of that supply chain squishiness. Like is there like what you know. Taylor: [38:39] What do we see. Jason: [38:40] Holiday in November and December but is it even a like the rate of growth is even bigger if you were to kind of you know redefine holiday as a October through February. Taylor: [38:51] Yeah I mean the way that shows up in our data is that we see a we so far I've seen a very strong October, we've seen very strong October in terms of overall e-commerce growth not not on par with you know the big holiday months but it's you know we're looking at you know roughly that ten percent year-over-year a little bit more for October so it's a good sign. [39:17] The what we're also seeing though is we're keeping a close eye on prices and as I said we're see we see. Data at the transaction level and it gives us a particularly unique view into into prices and we're going into your September are digital price index which is the of the basket of goods that we see purchased online through retail was up 3.3% over last year less than the CPI was up last month but still really significantly and for context up until the pandemic we had never seen digital inflation it always be always in prices going down on part about 5% order of about five percent so people are going into this season with higher prices there will be some discounts but we in October but I don't think they're going to make a dent in that inflation yet. And frankly from what we've seen historically over the other holidays of this year we expect to go in with higher prices for goods in general and we expect discounts to be, significant but a little bit shallower than they were at their last year their deepest point so consumers may be paying significantly more, this year on a Black Friday for a particular item than they were they would have been last year on that same date when you add all that up. Scot: [40:35] Nursing the so I know we're up against time so a little lightning around here it wouldn't be a Jason and Scot show if we didn't talk about Amazon any any tea leaves on Amazon. Taylor: [40:47] So we are we assiduously avoid commenting on particular retailers for a number of reasons but everybody's going to have a big year I would imagine this year. Scot: [40:56] My theory is if the supply chain matters Amazon Amazon Walmart and maybe Target are so dialed in on that but it was some a bit of an advantage and could hurt the small guy this year but we'll see how that plays out. Taylor: [41:11] What do you think the large versus small is a good good framing of that, you know bigger retailers in and out of stock in a world without of stocks have more options to to offer and complete a sale and then small retailers who may see their carts more likely to be abandoned I think that's a significant factor. Jason: [41:31] Okay so then the next lightning one is you talked a little bit about inflation you talked a little bit about like discounting not having to be quite as deep. How does that all washout in terms of profitability I do do retailers make more money on fewer sales this year or does do all these supply chain costs eat it up and, and it's you know thin margins. Taylor: [41:51] Yeah well so I think margin management is going to be a whole different game and retailers of already had to think a lot about that this year that you know the top line is going to be bigger per item so you're going to get more Revenue but I don't see that really being driven by some kind of margin maximization Behavior it seems to be largely driven by increasing increasing costs of goods and so you know I don't see a real Gap step open it up between increasing costs and and increasing Revenue to create a giant chunk of margin there. Scot: [42:28] How about anything on device Trends any news kind of done to be a bit of an old story that you know the smartphone is overtaking the desktop. Taylor: [42:37] There is a little bit of news it's kind of fascinating so we that's that's it if you looked at the share of Revenue that was doing through smartphones from 2014 till even into the pandemic you could have basically drawn a straight line I mean it was a it was a sort of, Early College regression experiment that we've been super easy for First Years to do that's changed a little bit smartphones are still gaining cheer don't get me wrong they're still growing faster than desktop in terms of the revenue is coming through them. Ever so slightly more slowly than than they used to and it may be an indicator that, in America at least we may be headed toward an equilibrium to looks more like a sort of 50/50 World between desktop and phones which is obviously really different than some other parts of the world where that it may be 80/20 or 90/10. [43:33] Right yeah I got two expense that so I can you know make it part of our part of our. Jason: [43:38] If we get our new app tops in time then we're all shopping on our laptops otherwise we're all shopping on our floor. Taylor: [43:42] Exactly. Jason: [43:45] But it wasn't a or we could talk all day I know you're in super high demand this this time of year and and you know quite frankly not in demand at all the rest of the year so I'm sure we'll talk again when. When you're less popular, but this was awesome we really appreciate your time as always if folks want to continue the conversation or have questions you can hit us up on, on the Twitter or the Facebook page, and as always if you got value out of this show we sure would appreciate it if you'd go on to iTunes and give us that five star Christmas review. Taylor: [44:19] That's what I'm going to do Jason. Scot: [44:21] Awesome we push it if that's aren't your gift to us and it's digital so we don't have to worry about Supply pain if I think in past years you guys have set up kind of a cool holiday news Hub is that something you're going to do this year and we're world where will we find them. Taylor: [44:37] It will be there I need to get you the URL we can put the URL in a link to this if you guys are watching this online I will make sure you guys have it before we got there but yes there will it'll be there. Scot: [44:47] All right we really appreciate the time. Taylor: [44:50] Right thank you guys I really appreciate Scott real patient appreciate Jason happy to do this anytime. Jason: [44:56] We appreciate you Taylor and until next time happy commercing!

En este episodio nos subimos al elevador más terrorífico de Disney. Atrévete a entrar a una dimensión desconocida y a gritar lo más fuerte posible para salir con vida. En cada piso hay un secreto, una historia, un detrás de escena y varios fun facts. ¡No tengas miedo y se parte de Tower of Terror! ¡Queremos conocerte! Síguenos en Instagram @Tododisneypodcast

In the middle of the supermarket, the protagonist of today's 44-second audio drama comes to a painful realization. ➸ Bring shame to your family by supporting Here's the Tower. Get extra content and personalized rewards at patreon.com/tower. Become a Patron

Katilda and her human pals bring out their gigantic spells and angel armies. Sounds like a reckoning!You can find last week's deck on TCGplayer! If you'd like to purchase any cards we've included in the deck if you use our affiliate link below it helps us out bigtime! https://bit.ly/E318KatildaOn top of American listeners getting our decks from TCGplayer, our Canadian listeners are better off using MTGCanada and the Wizard's Tower exclusive coupon code BREWADVENTURES to get 5% off your order and FREE Canadian shipping as long as you order $15 or more! Check it all out at www.mtgcanada.com/commandersbrew!You can always help the show directly through www.patreon.com/commandersbrew and get access to our discord to help us brew our decks as well as other perks!Visit www.commandersbrew.com for direct downloads and a streaming version of the podcast.Follow us on twitter at @commandersbrew and individually we are @seantabares and @andyhullbone."There It Is"Kevin MacLeod (incompetech.com)Licensed under Creative Commons: By Attribution 3.0http://creativecommons.org/licenses/by/3.0

Light The Tower October 19, 2021 Hour 2 by The Horn 104.9 & AM 1260

Light The Tower October 19, 2021 Hour 1 by The Horn 104.9 & AM 1260

主持人／編輯阿曾、Ready   ．這些性別詞彙你用對了嗎？父權、父權紅利、仇女、仇男：https://pse.is/3r4axs ．高雄城中城大火事件 如何避免高雄城中城大火？以美國閒置建築的防火規範為例：https://pse.is/3n8ykt 城中城大火：修法強制成立管委會有用嗎？談老舊大廈的管理：https://pse.is/3lemcp ．當陳柏惟成為遭火燒的女巫，與逃避雖可恥但有用的國民黨同志們：https://pse.is/3q4hrp   贊助《鳴人放送》，支持我們繼續製作好內容：https://pay.firstory.me/user/udnvoicer   ▍聯絡信箱：udn.opinion@gmail.com ▍在這裡找到更多我們：https://opin.soci.vip   ▍襯樂 Checkie Brown：https://pse.is/vuwqg Santé Instrumental 演出者：?te 壞特 編曲：Tower da Funkmasta 陶逸群 作曲：?te 壞特 , Tower da Funkmasta 陶逸群 製作：Tower da Funkmasta 陶逸群 發行：ChynaHouse 連結：https://kkbox.fm/usWzj8?utm_source=firstory&utm_medium=podcast&utm_campaign=audio_library 授權：https://creativecommons.org/licenses/by-nd/4.0/deed.zh_TW   ▍封面圖：聯合報系 Powered by Firstory Hosting

Games coming this week: Lumione, Into The Pit, and They Always Run. Today Scott reviewed Big Farm Story. Brian reviewed The Riftbreaker. Guess My Game, emails and more!

Games coming this week: Lumione, Into The Pit, and They Always Run. Today Scott reviewed Big Farm Story. Brian reviewed The Riftbreaker. Guess My Game, emails and more!

Light The Tower (Hour 2, October 18, 2021) by The Horn 104.9 & AM 1260

Light The Tower October 18, 2021 Hour 1 by The Horn 104.9 & AM 1260

In 1647, laborers toiling away at the Tower of London uncovered two small skeletons while clearing away rubble from a staircase. Had the discovery been made today, scientists would have used a whole host of forensic tools, including genetic samples and family trees, to determine the identities of the remains. None of these existed back in 17th-century England; however, people still knew who the skeletons were. Visit us online at itshometownhistory.comSupport our show at patreon.com/itshometownhistoryEpisode Sponsor: - Sign up for FREE right now at Banknovo.com/hometown

Season 2, Episode 42 - Better at Disneyland or Better at WDW? Better at Disneyland or Better at WDW? Hey everyone, I'm Mike, she's Sophie, and that's Brenda, and we're On the Road with Mickey! This is Season 2, Episode 42 for October 18, 2021, and today we're quizzing our panel of experts (Brenda and Sophie) on what is better where. Our feature topic is called Better at Disneyland or Better at WDW. Have a listen, and let us know in the comments what you think! Now, here's the rundown of what we talked about: Updates from last week:Regarding our WDW 50th Anniversary Recap:If you have a moment, go check out the Facebook Group Billy's Closet of Magic. They have a lot of fun and love to hand out Disney Magic to unsuspecting guests, both near and far! Here's the group link, you have to answer a few questions to join. https://www.facebook.com/groups/355608162250178Now, have a listen to a short interview Sophie and I had with Chris and Billy when we met them at the Magic Kingdom on October 1st! Roll the tape!Cheddar from the Big CheeseMike: Sad news to report, Disney Legend Ruthie Tompson passed away at the age of 111! Said Bob Iger: “Ruthie was a legend among animators, and her creative contributions to Disney—from Snow White and the Seven Dwarfs to The Rescuers—remain beloved classics to this day. While we will miss her smile and wonderful sense of humor, her exceptional work and pioneering spirit will forever be an inspiration to us all.”Sophie: Muppet Haunted Mansion thoughtsBrenda: Disney Genie arrives at Walt Disney World on October 19th!Connect with us! Here's how: Facebook: https://facebook.ontheroadwithmickey.comFacebook Group: https://facebookgroup.ontheroadwithmickey.comYouTube: On the Road with Mickey (Don't forget to subscribe, like the videos, and comment!)Instagram: On the Road with MickeyEmail: info@ontheroadwithmickey.comPhone Voicemail: 919-799-8390Feature Topic: Better at Disneyland or Better at WDW?1. Churros - Disneyland2. Haunted Mansion - WDW3. BTMRR - WDW4. Pirates of the Caribbean - Disneyland5. Space Mountain - Majority Vote rules: Disneyland6. Splash Mountain - WDW7. Tower of Terror/Mission: BREAKOUT - Tie8. Toy Story Mania! - Majority Vote rule: WDW9. Dumbo - Disneyland10. Incredicoster/California Screamin' VS Rockin' Rollercoaster - Majority Vote rules: Disneyland11. Peter Pan's Flight - WDW12. Railroad - Majority Vote rules: Disneyland13. Little Mermaid - WDW14. Teacups - Disneyland15. Castle - Disneyland16. The Plaza Inn - Majority Vote rules: DisneylandThis Day in Disney History for October 18Mickey's Not-So-Scary Halloween PartyDisney Who's Who CharacterMrs. Jumbo from DumboA little bit of Walt“Courage is the main quality of leadership, in my opinion, no matter where it is exercised. Usually it implies some risk - especially in new undertakings. Courage to initiate something and to keep it going - pioneering and adventurous spirit to blaze new ways, often, in our land of opportunity.” - Walt Disney, the MAN!Coming next week: Halloween at DisneySponsorshipOn the Road with Mickey is sponsored by Pixie Vacations by Mike Ellis, Tech Solutions NC, and Brenda Plans.

Previously, Pearl and Detective Reynolds (aka "Uncle Ryan") went to the Crimini City Gym to register Pearl for the Fighting Tournament. After settling on a team, Pearl convinced an unsuspecting security guard to give her a tour and she managed to hack into the building's security cameras. Now it's Luca and Sully's turn, and they've got some tricks up their sleeve. Who will Luca register on his tournament team? What will they discover in their investigation? And what big move is Sully planning?? DM: Jonah M. Jackson Pearl: Sarah Katherine Zanotti Music: FoolBoyMedia - Video Game Land Braxton Burks & Materia Collective - N Suite, Pokémon Mansion, Lavender Town, The Ghost of Pokémon Tower, Silph Co. Under Seige https://www.materiacollective.com/artist/braxton-burks Zame - Game Corner Hoenn Remastered https://www.youtube.com/user/ZameJack Mikel & GameChops - Lavender Town https://music.gamechops.com/album/pok-chill Dark Fantasy Studio - Fist of Fury, Boys on Bike, Back in Time Christoffer Moe Ditlevsen - Breaking the Safe, Tread Lightly, The Mole YoshiBlade - Tilt & Drift TabletopAudio.com - 1940s Boardwalk, Lively Café, Dome City Center, Candledeep

We read about a Last Days global religious movement in the seventeenth chapter of the Revelation of Jesus Christ. It is referred to as “Babylon” because it is the final form of the religious rebellion at the Tower of Babel. We therefore expect movement towards a global religion, or at least an “ecumenical” movement, meaning […]

On this episode, Paul White continues to talk about the Tower of Babel. Accompanying scripture: Genesis 11:1; Acts 2:1-4. 

On this episode, Paul White introduces the topic of the Tower of Babel. Accompanying scripture: Genesis 11:1-9. 

Chris and Rob tell us why they're worried that Zion Williamson's injury history means he'll never realize his full potential, explain why they have an issue with the Washington Football Team propping up deceased superstar Sean Taylor to distract from their scandal, give us updates on Game 5 of the NLDS between Dodgers and the Giants and the Thursday Night Football matchup between the Buccaneers and the Eagles, and go head-to-head in this week's edition of Teichert's Tower of Trivia. Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

Martin's co-author Linda Antonsson discusses the battle at the Tower of Joy. Then Linda and Anthony debate ethnic representation in the HBO adaptations. Steve talks about the departures of Tywin, Shae, Jojen, and (maybe) the Hound. Theme song: Game of Thrones (80's TV Theme) by Highway Superstar Hey there! Check out https://support.baldmove.com/ to find out how you can gain access to ALL of our premium content, as well as ad-free versions of the podcasts, for just $5 a month! Join the discussion:  book@baldmove.com | Discord | Reddit | Forums Follow us:  Instagram | LeDonneBooks.com Anthony Le Donne is the co-author of the following books: Gods of Thrones, vol. 1: https://www.amazon.com/Gods-Thrones-Pilgrims-Guide-Religions-ebook/dp/B07JLNZB9G Gods of Thrones, vol. 2: https://www.amazon.com/gp/product/B07Q8G7K9G Leave Us A Review on Apple Podcasts Learn more about your ad choices. Visit megaphone.fm/adchoices