Podcasts about usim

날 ▶ ‘이별 통보'한 여자친구 무차별 폭행한 30대男 지난 21일 밤, 포항에서 한 여성이 남성에게 무차별적인 폭행을 당했다. 알고 보니 두 사람은 연인 관계로, 이별을 통보한 여자친구의 말에 폭력을 행사한 것. 의식을 잃은 여자친구를 인근 숙박업소로 끌고 간 남성은 '너 죽이고 교도소 가겠다'는 등의 발언을 한 것으로도 알려졌는데. 심지어, 피해자 부모에게 문자하는 당당한 모습을 보이기도 했다고. 이 일로 여성은 안와골절과 마찰 화상 등 전치 6주의 상해를 입었다. 이전에도 '이별 통보'에 지속적인 폭행을 겪었다는 피해 여성. 반복되는 교제 폭력의 원인은 무엇인지, 막을 수 있는 방법은 없는지 에서 취재했다. 미스터리 Re부트 ▶ 마산합포구, 베일에 싸인 폐가의 정체 창원시 마산합포구의 한 주택가. 울창한 나무에 둘러싸인 2층 규모의 폐가가 자리하고 있다. 불에 탄 듯 새카맣게 변해버린 벽과 내려앉은 마룻바닥. 그리고 이전에 살았던 사람들의 물건이 그대로 남아있어 마치 공포영화 속 한 장면을 연상케 하는데. 혹시 영화나 드라마 촬영지는 아니었을까? 그러나 전문가는 건물의 훼손 정도로 보아 인위적으로 만들 수 없다고 말한다. 인근 주민들은 집 안에 십자가가 놓인 제단 같은 것을 보고 혹시 누군가가 기도를 올리던 곳이 아니냐는 의문을 던지면서 폐가의 정체는 더욱 미궁 속으로 빠져드는데. 지금과는 어울리지 않는 기와지붕으로 더욱 이질적인 분위기를 풍기고 있는 폐가. 그런데, 비슷한 양식의 주택이 또 있다는 제보에 이어, 폐가 안에서 책 한 권이 발견되면서 실마리가 잡히기 시작한다. 무려 100년이 되어가는 이 폐가의 정체는 무엇일까. 에서 밝혀본다. 금모닝 있슈 ▶ 상상초월! 이색 음식이 있다?! SNS에서 논란의 중심이 된 음식이 있다? 최근 MZ세대에게 인기를 끌고 있는 중국식 샤브샤브 훠궈에 넣어먹는 음식으로, 한국에서는 쉽게 볼 수 없는 ‘개구리 다리' 고기가 한 훠궈 체인점에서 출시되며 화제이다. 중국에서는 이미 보양식으로 인기가 많은 음식이나 우리나라 사람들에게는 낯설기만 한 비주얼로 충격을 주고 있다. 이뿐만 아니라, 돼지 뇌와 오리 창자도 이색 음식으로 판매하고 있어 사람들의 도전 정신을 자극한다. 한 브런치 식당에서는 고수와 광어가 들어간 빙수 메뉴를 선보이며 이색 조합으로 인기몰이 중이라는데... 어디서도 볼 수 없는 기상천외한 음식들, 과연 그 맛은 어떨까? 호기심이 강한 자만 도전하는 이색 맛 기행을 에서 취재했다. 사이드 인터뷰 ▶ 사이버공격 막는 최전방 수호자 - 정보보안전문가 ‘김한수'님 지난 4월 18일, ‘통신사 역사상 최악의 해킹 사태'가 SK텔레콤에서 발생했다. SK텔레콤의 9.7GB 분량, 즉 300쪽 분량의 책 9천 권에 달하는 정보가 외부로 유출된 것. 이번 해킹 사태로 소비자들은 핸드폰 USIM(유심)을 교체하고, 피해 예방을 위해 각종 서비스를 가입하고 있는 상황. 하지만 소비자의 불안은 연일 커져만 가는데. 이번에 일어난 SK텔레콤 해킹 사태뿐 아니라, 늘 우리 곁에 존재하고 있는 악성 해킹! 방지할 수 있는 방법은 없는 걸까? 디지털 시대에 보이지 않는 곳에서 24시간 치열한 싸움을 하고 있는 최전방 수호자, 화이트 해커! 정보 보안 전문가 ‘김한수' 님을 에서 만났다. 화제① ▶ 서울의 특별한 K-컬처 축제 ‘서울스프링페스타' 전 세계인을 사로잡은 K-팝부터 K-뷰티, K-콘텐츠, 그리고 K-푸드까지! 한국 문화의 모든 것을 한자리에서 경험할 수 있는 ‘서울스프링페스타‘가 일주일간 서울 곳곳에서 열린다. ‘3 빅쇼'와 ‘3 테마공간'으로 구성된 이번 축제. 초대형 K-팝 공연 ‘원더쇼'를 즐긴 후, 도심 속 푸르른 녹지 ‘원더파크'에서 버스킹 공연과 K-팝 댄스 프로그램에 참여할 수 있다는데. 그리고 ‘원더플라자'에서는 K-컬처를 한 곳에서 경험할 수 있는 다양한 부스들을 체험할 수 있다. 따뜻한 봄날, 도시 곳곳에서 환상적인 경험이 펼쳐지는 ‘서울스프링페스타'! 도심 속 색다른 축제를 즐기러 가본다. 화제② ▶ 열정의 청소년기자단 밀착취재 평범해 보이는 학생들이지만, 서로를 부르는 호칭이 살짝 남다르다는 한 학교. 또래 친구들끼리 이름 대신, ‘기자님'으로 부르게 된 데에는 다 이유가 있단다. 얼마 전 시민 기자단으로 선정되어 적극적인 활동에 임하기 위해서라고. 그 첫걸음은 한국원자력환경공단이 위치한 경주라는데. 어엿한 발대식과 더불어 첫 취재에 나선 학생들을 밀착 취재했다.

This week's #LocationWeekly podcast features Nickelytics acquiring TRUCKADS, USIM launching Purview 2.0 with AI-powered geo-marketing tools, Amazon allowing sellers to ditch physical returns and Bath & Body Works launching generative AI “fragrance finder”. Make sure to tune in!

Preencha o formulário e conheça o programa mais completo de consultoria e aconselhamento da Levante https://lvnt.app/jtnp7n 29/07: Bolsa cai com USIM, MGLU e PETRO Olá, seja bem-vindo ao Fechamento de Mercado da Levante comigo Flávio Conde, hoje é 2º. feira, voltando de férias, e o programa é dedicado ao Ricardo Afonso, que mandou tao bem nesse período. Valeu, Ricardo!!!A Bolsa teve leve queda de -0,42% aos 126.954 pontos e volume fraco de R$ 18 bi, R$ 2 bi abaixo da médias de R$ 20 bi. Por que a Bolsa performou assim? 1º. A bolsa abriu estável e foi perdendo força com Petrobras caindo com a notícia de que a cia. pode entrar num consórcio com Shell e mais uma petrolífera num campo gigante na Namíbia e ações caíram -2%. Usiminas -4% porque depois do balanço fraco do 2T24, divulgado na sexta, a Bank of America rebaixou para venda a preço-alvo de R$ 6,00 e Magalu -5,8% com alta de juros futuros no Brasil.2º. Entre as 15 ações mais negociadas 7 subiram. 3º. Oito ações caíram entre as 15 mais negociadas: 4º. O preço do petróleo caiu -1,60% a US$ 79,80 de US$ 81,20, sexta, dentro da volatilidade diária de -/+2%, com traders desmontando posições compradas depois da maior fraqueza da economia chinesa.5º. O preço do minério de ferro subiu 1% hoje para US$ 107 de US$ 106 por tonelada, ontem, ainda num nível baixo e que tende a prejudicar resultados da VALE no 3T24.6º. As bolsas americanas fecharam perto da estabilidade com investidores na defensiva com os vários resultados do 2T24 que serão divulgados essa semana.7º. O dólar à vista estável a R$ 5,62 de R$ 5,41, ontem, com gestores de fundos multimercados e tesourarias de Bancos a espera do Fed na quarta-feira. Conheça a Levante Investimentos: Conheça nossas Séries de Investimentos: https://lvnt.app/4q3u3b Acompanhe nosso Instagram: /levante.investimentos Fique ligado nas principais notícias do mercado no nosso canal no Telegram: https://lvnt.app/zuntm0

Crunch Fitness' CMO, Chad Waetzig joins The Current Podcast to explore how Crunch is developing their on-demand workout streaming app, how they're leaning into performance marketing versus brand-building and why digital media is the best way to reach its gymgoers. Episode TranscriptPlease note, this transcript  may contain minor inconsistencies compared to the episode audio. [00:00:00] Damian: I'm Damian Fowler[00:00:01] Ilyse: And I'm Ilyse Liffering. [00:00:03] Damian: And welcome to this edition of the current [00:00:05] Ilyse: This week, we're delighted to talk with Chad Waitzig, the CMO of Crunch Fitness, who leads the brand's marketing and communication efforts for its gym locations all over the world.[00:00:17] Damian: Headquartered in New York City, Crunch serves 2. 5 million members with over 460 gyms worldwide and continues to expand in the U. S. and around the globe.[00:00:28] While Crunch has built a community of fitness enthusiasts at its physical locations, it has also been on a mission of expanding its reach on digital.[00:00:37] We start by asking Chad about how he'd characterize the gym's marketing goals.[00:00:43] Ilyse: so Chad, how would you characterize the marketing mission for Crunch?[00:00:48] Chad: It's really important for us, to both build comprehension around what the crunch brand experience is.[00:01:05] And we think we've got a pretty unique offering in the high value, low price space and in fitness, but it's also to drive leads and it's to fill that, consumer funnel, with folks who are interested in exploring a fitness workout, And building that lead base so that our franchisees, our partners in our marketing journey, can invite them into the gym, give them a free trial, and encourage them to join and continue their fitness journey with us.[00:01:32] so as we think about what we do day in and day out, I'd say that, 80 percent of what we do is focused on how can we introduce the brand to more people and drive leads into the system.[00:01:41] Damian: Now, can you talk about your latest campaign and how that works? I know you're talking about, a kind of big campaign, but you're also then trying to target local gyms and gym spaces and demographics. Can you talk about how that relationship works?[00:01:54] what about the new campaign? Feel good, not bad? [00:01:57] Chad: Yeah. Yeah. So we're, really excited about feel good. [00:02:00] Not bad. we launched the campaign on December the 26th, which is, basically the start of our year, immediately after Christmas. and the, conceit or the gestalt of the campaign is to. recognize that as a country, we've gone through a lot of bad stuff, and, there's a lot of bad in the world, and we don't want to focus on the bad in the world, but we know that it's out there and  how do we, recognize that a way to combat that is to feel good, and to feel good.[00:02:31] You can do that through working out. So the whole campaign is focused on this idea of telling a story about the bad things that happen through silly, humorous, metaphors, banging your head on a drawer, getting stuck in a revolving door, waking up in the desert on a camping trip with a snake.[00:02:52] Attached to your face, really absurd, silly things as a metaphor for the bad in the world, and that through working out and through [00:03:00] working out at crunch, you can get those endorphin rushes. you can escape from the world. You can forget all the bad that's out there and really focus on yourself.[00:03:07] You can really lose yourself at crunch. so that's, the gestalt behind the campaign or the, idea behind the campaign. Now, the way we execute that campaign, and we do it in partnership with our franchisees, is through a mix of brand marketing, performance marketing, and retail marketing. And so we've designed, creative assets that kind of take you through that entire journey, whether it's television, radio, direct mail, or digital marketing assets, that really tell that story in a layered way as a consumer moves through the journey.[00:03:41] Damian: Yeah, that's interesting. now you mentioned the campaign, the Feel Good, Not Bad campaign is one that really dives into humor to convey how fitness can be fun. We recently had on this podcast, the CEO of BBDO, Andrew Robertson, who talked about the importance of funny ads and why they're so important.[00:03:59] [00:04:00] To building a brand's identity. I just wanted to get your thoughts on that. and why is Funny the right fit for you?[00:04:07] Chad: Yeah, first of all, I would agree with his assessment. And, at our heart, we're storytellers, right? All marketers are storytellers, and we're telling the story of our brand and our business. And humor, leveraging humor, is one way to tell that story in a way that we think breaks through the clutter.[00:04:26] We're a gym for goodness sakes, right? We're a place where people come to, to get better. whether that's more, more flexible, whether that's to build endurance, whether that's to lose weight, whether that's to gain strength and muscle, but we also don't take ourselves too seriously. And so we think that, our no judgments philosophy, the way we approach our members and the way we approach our experience, it really lends itself well to humor.[00:04:50] But the other thing to keep in mind too, is that. Humor can work in almost any business. think about insurance. 20 years ago, if you had said, we're going to use humor to tell [00:05:00] the insurance story, people would have thought you were crazy. Maybe it's more than 20 years now, but, Geico really broke through the clutter and now look at everybody in that category, right?[00:05:08] They all leverage humor for something that is not a very funny product. our product isn't funny, but our product and our experience is fun. And we think humor helps us tell that story. [00:05:19] Ilyse: Now here we talk a lot about digital channels, obviously, programmatic, CTV, and, there's a Common philosophy or really it's just a fact at this point that, that's a good way to reach like younger consumers. is that what you are finding? Are you trying to reach millennials and Gen Zers specifically?[00:05:44] ​Or are you looking at whole cohorts of people? Consumers, what is your approach?[00:05:50] Chad: our core consumer is somebody that we call young strong on social, they are our north star. They're the group that we [00:06:00] focus on, for crunch, about a quarter of our member base is made up of. Of people 18 to 24, about a third of our member base are members 25 to 34, so the majority of our members are in that 18 to 34 age range, and that's our young, strong and social group.[00:06:16] Now, we run, we have, campaigns available for our network, to target seniors, active seniors. boomers, Gen, Gen Xers like me, but really our focus is on the 18 to 34 and we do find that digital media channels, are really the best way to reach that audience, right? They, by and large, they're not cable TV subscribers.[00:06:39] they watch a lot of YouTube. They're on social media. and we find that, one of the best ways for us to build awareness is either through CTV, or through YouTube. Uh, and those are the two channels where we are dominant.[00:06:52] Ilyse: And I know you've also spoken about, TV itself too, a little bit. How has like this omni [00:07:00] channel like approach really benefited your brand?[00:07:04] Chad: Yeah, for us, it's been a journey. today we've got 460 gyms and about 2. 7 million members, and we're celebrating our 35th anniversary, but, we're still a small business. when I joined Crunch seven years ago, we had about 125 locations and, obviously we were significantly smaller.[00:07:21] So our dollars, We had to make a strategic choice back then, and our strategic choice was to invest in performance marketing almost exclusively at the expense of brand marketing. Now that we've grown, and now that we're bigger, and we have the, The resources available to us the critical mass. We have found that the omni channel approach for us has paid off in spades.[00:07:46] Our brand awareness has tripled in the last three years, whether that's aided or unaided. And we find that then drives. more consumers to consider us. Our consideration is higher, which then [00:08:00] leads to greater lead production, and greater sales. And, the brand doesn't do it alone.[00:08:05] Our franchisees play a big role in that, but if we had not made that strategic shift to really focus on the Omni channel, I don't think our results would be as strong as they are today.[00:08:17] Ilyse: And today, are you mostly now looking at consumer retention or learning new members to join? It does seem, we talk a lot about streaming wars, but it does seem like there's quite a lot of gym wars out there now.[00:08:31] Chad: Yeah, you know, the fitness industry is, really an interesting one. It is competitive. so today about one in five Americans belongs to a gym, a health club, the Y, or a boutique studio. Now, that number 10, 15 years ago was probably closer to 15%, 14%. The category itself is growing.[00:08:51] So when, crunch wins, the whole category wins when our competitors, when the category wins, cause we are growing the category, but we do compete [00:09:00] for a lot of the same folks, people do switch gyms, they break up with their old gym, they, join a new gym. and so it is a mix for us on the acquisition side.[00:09:09] To both bring new people into the category that maybe are just considering a gym for the very first time, but we're also trying to steal members from other clubs that without a doubt, and our competition would probably say the same. So in answer to your bigger question, how do we think about it is about retention is about acquisition.[00:09:27] It really is both. [00:09:29] Damian: It's interesting. you know, we did use the analogy of streaming, but there's a lot of churn in streaming. you turn off your subscription for one and then you turn it on for another. We just had some data recently that said, I think 30 percent of people who cancel return within a few months to the channel.[00:09:43] So, it's an interesting game, I guess. Yeah,[00:09:49] Chad: of our biggest sources of leads. we very much, look at our former members as potential future members, and they do come back.[00:09:57] Ilyse: Very interesting. Yeah. And, speaking of [00:10:00] streaming, Crunch has its Crunch Plus platform and I know this was a big kind of trend overall, no matter what category you're in, during COVID and everything was to go digital, make sure your product is available where the people were, which is their living rooms at home.[00:10:18] and now it's a little more than a year old. and it obviously it built on what you had before, which is crunch live. Can you tell us how this has been performing and how you would describe the divide between people going in person to the gym and potentially those working out at home now?[00:10:38] Chad: Yeah, really great question. So you're right. We launched, crunch plus about a year ago, and we retired an old platform that we had that was called crunch live crunch live we were the first big box gym to have our own streaming workout product it launched way back in 2013, and it was browser based [00:11:00] only.[00:11:00] Ilyse: Way pre COVID before it was cool.[00:11:03] Chad: it was cool. Before it was cool. And during COVID, we saw our daily usage. Increased tenfold, with a fairly limited library of workouts. And so we clearly realized that we needed to reintroduce our streaming products and that's how we got to crunch plus. So now crunch plus is available on, just about every streaming device.[00:11:23] And, we couldn't be more pleased with where we are today. versus our launch. and just this year alone versus where we finished, in December of last year, our user base on the platform is up 47%.[00:11:39] we have over 600, Workouts available and we're adding the goal is to add one workout a day Either through live streaming or through pre recorded content to the library And we see crunch plus as really both a member benefit. So if you are a crunch member, You get access to crunch plus and basically a [00:12:00] 70 discount off the retail price.[00:12:02] it's incredibly Affordable. It's 1. 99 a month. and so for our members, it's a way to take that brand experience outside the four walls of the gym, whether they're wanting to work out at home, or maybe they travel a lot and they want to take it on the road, but they can also take it right back into the gym.[00:12:19] And so we've got workouts that, are on a treadmill or on a spin bike, or require the use of dumbbells and other equipment that you may not have at home, We've got in the crunch gym. And so we've really created this hybrid workout environment between in person in the gym and virtual on crunch plus, and now for our retail subscribers, those that are not crunch members. they pay 6. 99 a month. ​Again, it's, an incredible value relative to other products in the marketplace, and we think it's a great way to extend the brand and reach into markets where crunch doesn't exist yet. you can get crunch plus anywhere in the world. we've got 460 locations and [00:13:00] 360 of them are in the United States.[00:13:01] So we have lots of growth ahead of us in terms of our physical footprint, but we love where our digital footprint has taken us.[00:13:10] Damian: Yeah, that's a great move. I see people in the gym with, their smartphones looking at workouts and things. It makes sense for you to have that workout associated with, crunch, or the gym in question.[00:13:21] Chad: that's exactly right. and we really have only started to scratch the surface of where we can take this. I mean, one of the biggest challenges for new people who have never worked out in a gym before is the intimidation that they feel when they come to the gym. And, Most people think about the intimidation as being the, I've got to lose weight before I join the gym mentality, right? the body image concerns. But think about this. If you've never been to a gym before and you walk in the door, you are seeing all kinds of foreign alien equipment with pulleys and weights and pins and benches that articulate in different directions.[00:13:58] Where do I even [00:14:00] start? And what we think CrunchPlus is going to be great for is to give people who are completely new to the gym experience that introduction of how do I get started? What is the best workout for me? How does this piece of equipment actually work? If I'm concerned about how I might be perceived by others, let me watch this video and see how to set this up correctly.[00:14:21] so we're real excited about where we're going to continue to take this platform as it continues to grow and mature.[00:14:26] Damian: Yeah, that's a great point.[00:14:27] Ilyse: could have used that for sure. Yeah, you[00:14:29] Damian: and you see some of these, dudes in there, they're massive and they're making it look like, child's play. I'm like, what? This,[00:14:36] Chad: Right,[00:14:37] Damian: this is scary. Yeah. [00:14:41] Chad: The great thing about those guys, though, is if you ask them for help, they're going to jump right in and help you. they're very proud to share. Here's, how you do this.[00:14:48] Damian: Mm. It's a community, right? a fitness community.[00:14:52] Chad: absolutely. Absolutely. It's the community. In fact, we just did a recent member survey, new member survey, [00:15:00] and we found that 46 percent of our new members, have actually made new friends or founded a community at crunch just by joining and getting to the gym.[00:15:10] So we do think crunch is a great place to build community and our members that it's one of the reasons why they join. [00:15:17] Damian: And speaking of community, you have recently teamed up with Amazon One. Can you talk about how that partnership improves the membership experience for your customers?[00:15:28] Chad: we love our partnership with Amazon. it has gone really well. And they've been, as you can imagine, they're one of the largest companies in the world. They are very sophisticated in what they do. And, they've been a great partner to work with, for those, listeners that aren't familiar with the Amazon one product, it is a biometric device reads basically the palm of your hand.[00:15:49] It is a touchless device. You basically hover your palm over their reader and it identifies you uniquely. So apparently the palm of your hand is as unique as your fingerprint [00:16:00] or your retina and, Amazon has piloted this in, I believe it's being rolled out in Whole Foods.[00:16:07] I believe they have a partnership with Panera. And then they were piloting it in their own C Store concept for a while. We got together with Amazon to really be the first to bring it to the fitness environment. And the initial application or use case is to validate a member's entry into the gym. And What we found is I think a couple of things.[00:16:32] there's a back office business case which reduces fraud for us. So we don't have members sharing their key tag with their barcode with friends, right? Because now I only can get in with my palm. So that reduces, that concern. But from the perspective of our members, it shows that we're progressive.[00:16:57] We're forward thinking. we've got the latest [00:17:00] technology and we're bringing that into the environment. and we've seen adoption close to 80 percent in the locations where we've rolled it out. There are some folks that are still concerned about having their biometric data. read by Amazon, and we respect that and we'll still have the old way of scanning barcodes at the front desk, but for the vast majority of our members, it allows them to get into the gym quickly and get right to their workout.[00:17:24] Damian: Mm. That is fascinating. I actually didn't know about Amazon One, [00:17:27] Chad: Yeah, if you have a Whole Foods near you, next time you go to a Whole Foods, see if they've got it. it's how I use, it's how I check out at Whole Foods. it is faster than even, Apple Pay and Google Pay, I[00:17:39] Damian: Wow. Mm.[00:17:41] Chad: I think it's a pretty great service.[00:17:42] Damian: in general, when it comes to partnerships, how important are those kind of brand partnerships for Crunch?[00:17:49] Chad: they're really important and, you can think about partnerships for us, at least. We think about it in a couple of different levels. One is this kind of, Big strategic capability [00:18:00] enhancing partnership, which we have with Amazon, and we've got obviously have partnerships with some of the best, equipment manufacturers in the fitness space, right? Whether that's through life fitness or, TRX or the other, brands of the space, and we look at that as a way to enhance our member experience. We've got a really talented member experience team headed up by our chief experience officer, Molly long and, Molly and her team are thinking about ways that they can bring these kinds of big brand partnerships that are enablers.[00:18:34] To bear on the member experience. But on the marketing side, we also look at brand partnerships as a way to enhance your existing membership. So we do partnerships where we provide our members access to crunch only discounts. So we have one right now with Crocs where members can get a discount on Crocs shoes that's proving to be very popular.[00:18:58] ​And one of the ways in [00:19:00] which we talk about our membership, pricing with our members. and so one of the things that we like to say to prospective members is that if you take advantage of all the discounts that you can get through your crunch membership, all the retail discounts with our brand partners, your membership practically pays for itself.[00:19:14] And so we like to think that because it is a membership, you are part of a community, you are part of a gym, you are part of a club. If we can give value back to that member, it only makes that membership more valuable to them. So for us, those brand partnerships are super important.[00:19:30] Damian: we want to talk about first party data, of course, and we want to talk about that and how that informs some of your campaigns. And we assume, given that you have this great membership, global membership, it's not necessarily an issue for Crunch.[00:19:43] But how do you go about, leveraging that first party data to inform your marketing efforts? [00:19:49] Chad: so obviously our first party data even more so today than in years past is important to us and being able to leverage that data is [00:20:00] an important part of what we do both on the brand marketing side, but also are we work with our franchise partners for them to execute on their local marketing side.[00:20:08] Our media agency of record is USIM, and through USIM, we have an identity resolution initiative with TransUnion, where we enrich our first party data anonymously, with the TransUnion data, and we use that for audience building, lookalike audience building, Former member, audience building, et cetera, et cetera.[00:20:29] And a lot of that is used, through programmatic. it, it informs, what we do, in terms of, our targeting. the way in which we've structured our media approach, brand marketing happens through the Crunch marketing team. We also pick up search, on behalf of our network, just given the complexities of search and the ever changing, approach to paid search.[00:20:54] we. We feel like we're in a better position to manage that on behalf of our franchisees than asking our franchisees [00:21:00] to do that. Really everything in between is through our franchise partners and we have four brand approved agencies that they can choose to work with And we work with them To make sure that they have access to first party data so that they can also enrich that data and do first party, audience building, et cetera.[00:21:20] So for us, it's a critical component of what we do. And again, of, what we spend, I would say that, from. CTV all the way down through search, probably 90 percent of our spend across the network is digital.[00:21:36] Ilyse: Very awesome. I actually have a question about first party data. Are you able to glean more, say from Crunch Plus? Because people are tuning in and you're able to see, what kind of workouts they're choosing, what kind of, when, they are actually working out.[00:21:55] It must be very revealing, even more so than your regular, gym [00:22:00] customers that come in.[00:22:02] Chad: it's actually, that's actually a great question and it is true because obviously we control and manage the crunch plus platform of the 600 plus videos or workouts that we have. We can see what the viewership is. We can, we understand the view through rate on each of those. We know what each subscriber is watching and what kind of workouts they're doing and the frequency with which they're doing that.[00:22:26] and that's rich data that. We don't necessarily have easily accessed on the gym membership side. so from that standpoint, in terms of building out new workouts, as an example, we found that the 20 minute workout videos were the most popular in the group. And yet when we launched, we were launching with 30, 45 minute workout videos.[00:22:51] We pivoted very quickly to doing more over 20 minute workouts. And what we found is. The 20 minutes were actually too long based on view through [00:23:00] rates. So we launched a number of what we call quickies, right? They're five minute workouts and the viewership on those has skyrocketed. that's where we've leveraged that first party data to learn on the gym side, it's a little bit more challenging, but we're actually building out more of a, first party data set around.[00:23:16] utilization of the gym. We know when they check into the gym. If they book and take a group fitness class, we know that they're doing that because that's an online reservation system. we know when they buy a personal training package and when they take personal training sessions. And so the next level for us as an organization is to better activate that first party data so that we can do a better job on member retention.[00:23:40] upselling into higher tier memberships, and cross selling into other parts of our business.[00:23:45] Ilyse: And based off of that, and knowing that you guys are located in 41 states,[00:23:51] Chad: Yes.[00:23:52] Ilyse: you can probably tell me which states are the fittest in the U. S. in terms of attendance. I mean, I'm just [00:24:00] curious.[00:24:00] Damian: just[00:24:01] Chad: so that's a really good question.[00:24:04] Ilyse: New York, I know.[00:24:05] Chad: I, I can, I can say I can say that,[00:24:09] Ilyse: work out a lot here.[00:24:10] Chad: there are certain markets. the southeast is one of them where the number of visits per member is higher than the average. Obviously, we have an average, per month in the southeast. Really strong gym attendance.[00:24:26] I'm not going to say whether or not they're more fit than[00:24:29] Damian: Yeah, you can't know that.[00:24:31] Chad: but utilization does vary based on, based on market. I don't know how much of that is driven by weather, or how much that's driven by lifestyle. [00:24:39] Ilyse: who's the laziest[00:24:40] Chad: in New York City, New York City, we have really strong, really strong utilization of the gyms, best ever, better than pre pandemic.[00:24:48] Ilyse: Oh well.[00:24:49] Chad: but we've seen that across the board that the utilization of our gyms post pandemic has been at a higher level everywhere than versus than pre pandemic.[00:24:59] Ilyse: People [00:25:00] want to get out there again.[00:25:01] Chad: I think people want to get out there. Yep. I think they recognize that the role of fitness in, in relieving stress and anxiety is important.[00:25:08] Ilyse: How do you then tailor your messaging? Based off of location, especially if you're, talking to the fittest people in the U S versus the laziest,[00:25:18] Damian: people in[00:25:20] Chad: we wouldn't say that we're all about no judgments,[00:25:22] Damian: no, of course.[00:25:23] Chad: there, there is no one type, there is no one reason, there is no one way, for us at Crunch. but we do build out marketing assets that allow our franchisees, who are the closest To the member than we are here in the puzzle palace here in New York City, right in the ivory tower.[00:25:42] and we make sure that we provide assets that, if your club is really strong in group fitness classes, that we've got the assets for you there. If your gym is really big into strength training, which is virtually all gyms. Now we've got lots of strength training assets, or if you're into hit workouts, or if you're into [00:26:00] Kids Crunch babysitting is important because you've got a lot of younger families and they need to have child care when they come to the gym and work out and we allow our franchisees then to use those assets to tailor their marketing communications based on their local needs.[00:26:16] Damian: It's interesting. Now, you mentioned, maybe people in warmer climates and warmer states going to the gym maybe than others, but I don't know whether that holds true, but what I wanted to ask you about is what does the marketing calendar look like for a gym like Crunch? especially around key moments, we're here, A good third of the way into the year, but January's obviously got to be a big moment for gyms because everyone has that resolution to get fit again, New Year's resolutions, and then there's the summer, approaching, people think about, oh, I've got to be back on the beach, what should we do?[00:26:50] How do you strategize around those moments?[00:26:55] Chad: Yeah, there is certainly a seasonality to, to both visitation and [00:27:00] membership joins new members joining the gym. the first quarter of the year is the. The most important quarter of the year for us. it is our Black Friday and Cyber Monday and holiday season. and we do structure our spending accordingly, right?[00:27:14] So we'll heavy up in Q1, in the months later in the year when gym memberships aren't as, The demand isn't as high. We will adjust spending accordingly. So we do balance that out throughout the year. So we do marry up spend with demand. Within any given month, we will run a series of national promotions that our franchisees can opt into.[00:27:39] And they tend to be priced Price driven, because that's the category we're in, but we provide the support to the franchise network around the if they opt into that promotion to try to convert prospects in the system to becoming members. We do look at certain, events. So certainly we look at. New Year's resolutions, New [00:28:00] Year to you.[00:28:01] We look at spring break. We look at the beginning of the summer. We look at back to school. and then we look at the, to school is the last big hit when you begin to hit November and December, most consumers are really focused on holiday shopping, holiday parties, family get togethers, travel, Wrapping up their year end of their job if they're on a calendar or fiscal year, And then we start right over again on december 26th, and that's when people are like, okay, let's get back to the gym so we do take all of that into consideration but every month has a cycle and every quarter has a cycle and then obviously there's a cycle to the year[00:28:41] Ilyse: so there's obviously one of the biggest categories on social media is fitness. I would say there's so many fitness influencers out there these days.[00:28:52] To what extent do you share a kind of like common goal to get people to the gym? Do you then access and use [00:29:00] these social media personalities?[00:29:02] Chad: Yep. yeah, really good question. influencers in the fitness space are very important and we have worked with influencers. off and on over the past several years, we work with them today. And what we have found them to be most effective for us is around awareness building, introducing crunch to their audience.[00:29:26] we have tried to activate, and I'm using air quotes for those, listening, obviously, we've tried to activate those influencers to try to sell gym memberships. And we've not succeeded in that. I think their audiences see through that.[00:29:40] Ilyse: Hmm. Interesting.[00:29:42] Chad: And so for us, it's more about the authenticity of we want to invite the influencers into our gym.[00:29:47] We want them to get in a great workout. We want them to tell their story on that does more value for us. than them trying to sell a membership to their audience. And so we certainly work and we pay influencers [00:30:00] for some of that awareness building. But we also Work really hard to make sure that our member experience is an excellent experience for all of our members because we have influencers in our gym all the time that we may not even be aware that they're there and we want them.[00:30:18] We wanted to organically. Work its way through social media, and we've actually had some great success with that. And so the success comes from our fantastic operators on running a great gym on the influencers who are already members are just telling the crunch story for us. They're evangelists on. You really can't put a price on that.[00:30:41][00:30:41] Damian: And that's it for this edition of The Current Podcast. We'll be back next week, so stay tuned.[00:30:46] Ilyse: The current podcast theme is by Love and Caliber.[00:30:49] The current team includes cat fussy and Sydney Cairns. [00:30:53] Damian: remember I'm[00:30:55] Ilyse: and I'm[00:30:56] Damian: we'll see you next time. And if you like what you hear, please subscribe [00:31:00] and leave us a review. Also, tune in to our other podcast, The Current Report.

*Acesse formulário de pré consultoria no link abaixo:* https://app.pipefy.com/public/form/JylJv372 *RECV +5%, VALE +1,2%, PETZ -9% e USIM -4%:* Olá, seja bem-vindo ao Fechamento de Mercado da Levante comigo Flávio Conde, hoje é 4º. feira, e o programa de hoje é dedicado a Fabíola (SVIP), Daniel (BGIP), Sylmara (que votou a escrever), Antônia (adora o Fechamento), Roberto Nicoletti e Gílson (sempre presentes). Vamos a Bolsa fechou em leve baixa, -0,33%, aos 124.740, com volume fraco de R$ 20 bi, R$ 5 bi abaixo da média dos R$ 25 bi das quartas. Por que a bolsa performou assim? 1º. A bolsa abriu em alta foi até 125,4 mil, às 10h10, mas negativou às 10h45 com ações de siderúrgicas, bancos e petrolíferas em função da combinação de preços de commodities mais fracos e alta de juros em todos os vencimentos. As bolsas americanas também não ajudaram ficando de lado. 2º. Entre as 15 ações mais negociadas apenas 3 subiram lideradas: VALE3 +1,2% R$ 63,56 (porque o minério subiu 3% hoje), BBDC4 0% R$ 13,67 e ABEV3 1,9%. 3º. Doze ações caíram entre as 15 mais negociadas: PETR4, PETR3, GGBR -2% R$ 18,36, B3 -1,3%, USIM5 -4% R$ 8,73, ELET3 -1,1%, RENT3, RAIL3 -2%. 4º. O petróleo caiu -0,5%, para US$ 88,0 de US$ 88,4, dentro da volatilidade diária de +/-2%, ainda em função do aumento de estoque de petróleo nossa EUA divulgada ontem. 5º. O minério de ferro subiu 3% para US$ 120 de US$ 117 por tonelada, ontem, e quase no limite da volatilidade diária de +/-2%, e sem novidades. 6º. As bolsas americanas de lado, Nasdaq 0,1% e Dow Jones -0,1%, com alta de taxa de juros longas e recuperação do preço das ações da Tesla de 6% depois de ter caído por dois dias. 7º. O dólar subiu 2 centavos, 0,30%, para R$ 5,15, dentro da volatilidade 2 centavos diária, seguindo o dólar no exterior que avançou 0,14% versus moedas fortes no exterior. 8º. Os juros dos 10-anos dos títulos do Tesouro dos EUA voltaram a subir de 4,61% para 4,65% a.a., com investidores receosos com a divulgação dos próximos índices inflacionários. Os títulos do Tesouro do Brasil, o Prefixado 2031 (cerca de 7-8 anos), seguiram os americanos e foram de 11,50% a.a. para 11,61%. 8º. O saldo de investimentos estrangeiros no mercado secundário da Bovespa, de ações já em circulação, ficou negativo em R$ 805 milhões na segunda-feira, 22 de abril, segundo dados da B3. Em abril, os investidores estrangeiros já tiraram da Bovespa R$ 8,6 bilhões. No acumulado do ano, o saldo de estrangeiros na Bovespa está negativo agora em R$ 30,5 bilhões e os estrangeiros foram responsáveis por quase 55% do volume negociado. *MAIORES ALTAS* RECV3 +4.74% R$ 22,09 IGTI11 +2.10% R$ 21,41 ABEV3 +1.94% R$ 12,09 PCAR3 +1.81% R$ 2,82 VALE3 +1.24% R$ 63,56 *MAIORES BAIXAS* PETZ3 -8.74% R$ 4,70 BHIA3 -4.86% R$ 5,68 USIM5 -4.07% R$ 8,73 VAMO3 -3.97% R$ 7,01 CVCB3 -3.85% R$ 2,00 *Conheça a Levante Investimentos:* Conheça nossas *Séries de Investimentos*: https://lvnt.app/4q3u3b Acompanhe nosso Instagram: https://www.instagram.com/levante.investimentos/ Fique ligado nas principais notícas do mercado no nosso canal no Telegram: https://lvnt.app/zuntm0

Invitado: Anibal Briceño - Presidente de Movilnet Movilnet cuenta con una actualización tecnológica de sus clientes a la señal 4G, brindando a empresas públicas y privadas, una mejor experiencia de conectividad. Cada una de las mejoras en la red 4G, puede ser experimentada por los clientes nuevos prepago naturales. Sin embargo, la operadora móvil trabaja en una segunda fase para que en los próximos meses sus clientes postpago naturales disfruten de las ventajas del 4GMAX de Movilnet. La señal 4G brinda La señal 4G brinda mejor conexión, más velocidad, mejor navegación y más descargas, solo necesitas contar con una USIM, un celular compatible con esta tecnología y estar en una de las áreas de cobertura LTE. Visita www.movilnet.com.ve para mayor información. --- Send in a voice message: https://podcasters.spotify.com/pod/show/somos-itnews-lat/message Support this podcast: https://podcasters.spotify.com/pod/show/somos-itnews-lat/support

Dianugerah Dekorasi Imperial,  "Order of The Rising Sun, Gold and Silver Rays" oleh kerajaan Jepun kerana sumbangan mempromosi hubungan dua hala serta memantapkan persefahaman antara Jepun dan Malaysia, Dekan Pusat Pengajian Teras, USIM, Prof Madya Dr. Zoraida Mustafa berkongsi aspirasi dan hasrat untuk melihat anjakan baharu kerjsama dalam bidang pendidikan demi jalinan dua negara sebagaimana dihasratkan Perdana Menteri, Datuk Seri Anwar Ibrahim.

CTV has exploded over the past few years nearly doubling the local revenue it pulled in nationwide since 2019. In this podcast, our guest Brian Hunt, head of OTT and CTV Advertising for Sinclair discusses the planning and execution of CTV campaigns. He shares the strategy and inception of Sinclair's major CTV platforms and gives us his insight into the planning and execution of CTV campaigns. The discussion also covers the advantages and disadvantages of managed service vs self-service campaigns.  Hosting the discussion is Nicole Ovadia, BIA's Vice President of Forecasting & Analysis, and Mitch Oscar, Director of Advanced Advertising Strategies at USIM. 

Nesta segunda-feira, o mercado foi monótono. Com o feriado americano, houve diminuição do volume transacionado, abaixo da média dos últimos trinta dias. A única exceção foi Petrobras (PETR3/PETR4). Após a renúncia de José Mauro Coelho, a estatal atrasou a negociação de seus ativos na bolsa. Após a abertura em queda de 5%, houve nova pausa para a divulgação de um Fato Relevante: Fernando Borges, Diretor Executivo de Exploração e Produção, escolhido como presidente interino. A companhia reverteu o baque inicial e encerrou em alta de 1,14%, corroborando para segurar o Ibovespa, que encerrou em 0,03%. A maior alta do dia foi MGLU3, talvez favorecida pela queda dos juros futuros que, em tese, ajudam para a retomada do setor de varejo. Assim, a empresa encerrou em alta de 8,40%. Em ordem decrescente, no dia, as maiores altas foram: MGLU3 (8,40%), WEGE (5,56%), ITUB4 (4,34%), ITSA4 (3,12%) e USIM (2,73%). Já as maiores baixas foram: NTCO3 (-7,61%), PCAR (-6,53%), TOTS3 ( -4,95%), HAPV3 (-4,87%) e CASH3 (-4,03%). As mais negociados em termos de número de ação foram: CMIG4 (0,19%), RRRP3 (-2,86%), PRIO3 (-0,87%), NTCO3 (-7,61%) e WEGE3 (5,56%). O dólar fechou em alta de 0,69%, chegando a R$ 5,189.

The media community has been hearing about the national addressable TV deployment for the last few years. In this podcast, we speak with Chris Pizzurro, the SVP, Global Sales & Marketing, Canoe, to discuss the current state of addressable advertising in terms of the TV networks, the MVPDs, smart TV deployers and the ad community. Listen now to get a sense of progress and impediments and how recent developments from Canoe is delivering a quality TV experience for viewers and revenue optimization for TV networks.Canoe Ventures is a technology and services company that enables Addressable TV advertising across Linear, VOD, and Streaming video platforms.  The company is owned by Charter, Comcast, and Cox.  The podcast is moderated by Rick Ducey, BIA's Managing Director, and Mitch Oscar, Director of Advanced Advertising Strategies at USIM. 

The ongoing debate between measurement and currency is one that continues to need to be discussed. In this podcast, our guest Lisa Ciancarelli, VP of Insights & Analytics at VideoAmp, brings clarity and foresight to the forefront. This podcast discussion addresses many current issues facing the media industry such as the definitions and differences between measurement and currency, and the three factors good currency needs to encompass: methodology, transparency, and alignment and representation.It also answers some key questions: Who is going to pay for these changes, how is all of this going to change this year's upfronts, and how do these new approaches give more stability to the smaller players?A consummate data storyteller, Lisa is a seasoned media researcher with over 25 years' experience.  She has worked with many high-profile media brands, including America Online, CBS, AMC Networks and A&E TV, as well as measurement provider, Comscore. Hosting the discussion is Nicole Ovadia, BIA's Vice President of Forecasting & Analysis, and Mitch Oscar, Director of Advanced Advertising Strategies at USIM. 

In 2022, broadcasters are close to launching commercial applications of ATSC 3.0.  Watermarking provides a technology for ATSC 3.0 TV broadcasters to encode data that can pass through set-top box and HDMI connections. With watermark capabilities on LG NEXTGEN TVs, cable networks and regional sports networks can join local TV stations and national networks in planning to bring interactive capabilities to the living room. The watermarks enable the broadcasters to provide the same interactive experiences for over-the-air and non-over-the-air viewers. As these two-way interactive capabilities of NEXTGEN TV expand to additional households, consumers will enjoy more customized and localized experiences resulting in personalized broadcast television.Rick Ducey, BIA's Managing Director, discusses this valuable tech for broadcasting with Richard Glosser, Head of Business Development at Verance Corporation. Mitch Oscar, Director of Advanced Advertising Strategies at USIM, also joins the discussion. 

BIA's new Vice President of Forecasting & Analysis, Nicole Ovadia speaks with Jessica Daigle, Vice President of Sales Intelligence for TEGNA media about how SMBs to massive agencies are utilizing and focusing on CTV and linear TV attribution.   Jessica is responsible for TV and OTT attribution, spot TV pricing and sales analytics for TEGNA, and offers a unique and in-depth perspective into CTV and attribution.  Nicole and Jessica discuss how Local and National advertisers differ in their approach to attribution, the importance of high-quality content, and the challenges faced as attribution commands greater respect in the conversation between buyers and sellers.  Nicole and Jessica are also joined in this podcast by Mitch Oscar, advanced TV director for USIM. 

In this episode our featured guest is Reed Barker, head of advertising at Philo, one of the leading brands in the CTV space. At Philo, Barker is leading the team's efforts to build and grow a cutting-edge, dynamic ad platform for the entertainment-focused streaming TV services' ad business. Barker is known throughout the industry as an innovative advertising product professional, with a strong track record of success in developing and implementing revenue-generating technology solutions. In this podcast, BIA's Rick Ducey is joined by Mitch Oscar, advanced TV director for USIM, to explore the world of virtual MVPDs and how Philo in particular is achieving success.

Boa noite, seja bem-vindo a mais um Fechamento de Mercado da Levante comigo Flávio Conde e Graças a Deus é 6ª. feira e o fim de semana está para começar. O programa de hoje é dedicado ao meu assistente Fabio, sua esposa Gabriela e sua filha Luiza que é ótima aluna e orgulho do pai. Vamos o Ibovespa terminou o dia estável a 119.081 seguindo a combinação de mercado americano em leve alta, petróleo estável, minério em alta, mas a inflação brasileira em alta mais um mês e acima do esperado pesou contra. Já o dólar caiu -2% a R$ 4,75 na contramão do mercado internacional que ficou estável. O motivo foi o fluxo de estrangeiros vendendo dólar. Destaques de alta: COGN3 +19%, YDUQ3 +8,9%, CYRE3 +6,8%, AZUL4 +6,7% e IRB3 +6,4%. Destaque de baixa foram as exportadoras de commodities KBLN11 -6%, SUZB3 -6%, JBSS3 -3,7%, MRFG3 -3,7% e USIM -3,1%. Destaque dos assinantes da Levante foi COGN3 e no vídeo está muito bem explicado o que motivou a alta e o que pode ocorrer de bom em 2022. Assista, bom fim de semana a todos e até segunda-feira às 9h no Telegram das séries HIGH APLHA, MELHORES AÇÕES e SMALL CAPS.

Resultados da Usinas Siderúrgicas de Minas Gerais SA- USIMINAS

Resultados da Usinas Siderúrgicas de Minas Gerais SA- USIMINAS

Resultados da Usinas Siderúrgicas de Minas Gerais SA- USIMINAS

Kita bersama Prof Dr Irwan Mohd Subri, Pengarah Besar, International Fatwa & Halal Centre, USIM bagi perinciannya.

Kita bersama Prof Dr Irwan Mohd Subri, Pengarah Besar, International Fatwa & Halal Centre, USIM bagi perinciannya.

Resultados da Usinas Siderurgicas de Minas Gerais SA- USIMINAS

This this episode of the Futures Intelligent Leadership Flowcast I am joined by Furturists Sohail Inayatullah, and Elina Hiltunen. About Sohail InayatullahIs the current Chair in Futures Studies at UNESCO and USIM. He is a Professor at Tamkang University In Taiwan and The University of Melbourne in Australia. He is passionate about helping individuals and organizations develop their alternative and preferred futures. He completed his PhD at the Political Science Department at the University of Hawaii.About Elina Hiltunen Elina Hiltunen is the Futurist and CEO at What’s Next Consulting. She has an extensive experience in anticipating and innovating futures. Elina has writer11 books, including, "Foresight and Innovation: How Companies are Coping with the Future” and a children's book about computational thinking. Elina received here Doctor of Science in Future Studies and Organizational Learning from Aalto University In Helsinkin Finland About This EpisodeI met Sohail for the first time a couple years ago during his once a year trip to Hawaii. And found him to be very insightful with a unique perspective on futures and change. Interestingly, 10 years ago Sohail was one of Elina’s thesis advisors. By random chance they meet again on the flowcast. Both Sohail and Elina have been in the Professional foresight field for many years. What I really liked about this dialogue was the contrast between Sohail’s discussion around the power of individual metaphors and Elina’s interest in collective or crowd sourced foresight. As you will see in the dialogue we need to integrate both into a coherent whole to understand the future. In this dialogue we discuss the importance of slowing down to speed up, mindfulness and foresight, crowdsourced foresight, the power of metaphor for inspiring change, The importance of discovering the cognitive diverse of weak signals, why foresight is useless without the power to act on it, how to look at mega trends, Why anticipation = Facts + Fantasy, and how changing the end of an old story changes the future. Find our more at www.haku.global

From Marie-Cecile Monforte Website I specialize in Love - in telling your Love's story through meaningful moments. And I want to capture each chapter in your love's story. So whether it is the romantic love of your wedding day or the love of your growing family, I focus on capturing moments that give me all the feels, not just the smiley ones. Often I will step back and just let you interact with each other without much interference from me. Other times I will direct you towards positioning and engagement which helps your unique love translate to my lens. My favorite images are usually a series of photos that tell a story...and my final collections are best viewed as a whole, in an album that you can enjoy paging through time and time again... cuddled up and cozy on the couch with a glass of warm tea (or wine!) in your hand. Please be sure to check out my blog where you can learn more about why I love what I do and what makes each session so special to me. When I'm not juggling the needs of my business and a busy household filled with my husband, two young kids, our dog and the box turtle I've had since I was 10, you can find me drinking a Mangoñada at Cocina del Charro, or shopping the sales at Nordstrom Rack. In the evenings I'm usually editing away while everyone is sleeping, but you might also catch me making jewelry while curled up on the couch watching This is Us (I'm such a sap!), or crafting party decor for some upcoming soirée. I am 100% addicted to Coke Zero, fresh baked chocolate chip cookies, and black licorice - but only the kind you can get in The Netherlands, which is where I'm from! I have dual citizenship and speak 2.5 languages (huh?). I consider myself a citizen of the World, and my husband and I make travel a big priority in our lives (check out some of my travel photography). Overall, I'm pretty approachable (I think) so feel free to reach out to me with any questions at all. You can also connect with me on Facebook,and Instagram. Thank you for coming by, and I hope I get to capture your love's song sometime soon. #ispfilms #ispfilmspodcast #videography #videoshoot #video #videooftheday #videoclip #videogram #videostar #videos #videodiary #videooninstagram #instavideo #love #instagramvideo #videochat #videoshow #myvideo #iphonesia #awesomevideo #instav #videoinstagram #tweegram #videograms #videodiaries #videographer #instagramvideos #cute #videoproduction Follow the link to all the platforms and on instagram click the link in the bio. Podcast: https://linktr.ee/ispfilms --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/ispfilmspodcast/support

Faith Restored Sermon Series - When They See Us

Faith Restored Sermon Series

Episode 9: Discussing Current Strategies for Investing in Commercial Real Estate with Paul Moore After graduating with an engineering degree and then an MBA Paul Moore decided to enter the business world working at Ford Motor Company. After a few years, he departed to start working with a partner who was interested in real estate investing just as he himself was. Three successful developments, including assisting with the development of a Hyatt hotel and a very successful multifamily project, led him into the commercial multifamily arena.  On this episode of Multifamily Real Estate Investments with Don and Eden, Paul shares his strategies behind the steps he took to develop and successfully execute his real estate projects, and his reasoning for what lead him to move into the self-storage development area after being in multi-family units.  Highlights:  Paul’s Beginnings in Real Estate  Past Deals with Multi-Family and Commercial Real Estate  Why Paul invests in Self-Storage and Mobile Home Parks  Benefits of Self-Storage and Mobile Home Park Investing  Current Projects Connect with Paul https://www.wellingscapital.com Bigger Pockets- Paul Moore --------------------------------------------------------------------------- TRANSCRIPTION:    Hey, guys, this is Don your host and today my guest is Paul Moore. Paul is one of the people that influenced me the most as I heard him talk over a different podcast a few years back and that was when I decided to actually make the move from residential investing to commercial real estate and what I like about Paul is that it feels like he's always one step ahead of everybody else. And after finishing the interview with him I decided to record this intro a little differently because I was really blown away from the more practical things we've talked about towards the last third of this episode. So I don't want anybody to miss out on that. We're going to talk about amazing value eight strategies in different asset classes so stay tuned and I hope you guys are excited. Let's get started.  Welcome to the real estate investing podcast with Don and Eden where we cover all aspects of real estate investing with special attention to multi-family apartment buildings and off-market strategies.  Hey Paul, welcome to the show. Hey, it's great to be here. Thanks, Don.  Ok, so I got to say personally that you're one of the guests that I am excited to have the most on my show. And that's because listening to you on a podcast I can't remember which one exactly because it was a long time ago was what actually made me decide to do the transition from residential real estate to commercial real estate. And the reason for that is because I heard you talk about commercial real estate and you were so passionate about it. Well yeah. You were so excited about it that I was like wow well this man talks about this as if this is the best thing ever so I got to check it out. And so I hope you know this makes you feel good that you have an impact on people.  Absolutely I am really honored to hear you say that Don. Thank you so much.  Of course, of course, well you deserve any kind word. And what I'm so excited about is that really when I heard you talk then I could hear that you're an expert. You're really somebody that knows what you're talking about. So how about you tell our audience a little bit about who you are, what you do and what's your what is your main focus right now.  Okay great. Well I got an engineering degree which was a big mistake because I didn't know who I was, what I wanted to do and I went out and got an MBA back in the mid 80s and went to Ford Motor Company for five years and then I just really loved Ford- still do, but just had an entrepreneurial bug and so I quit Ford, my buddy, and I started our own company and we just hit the timing just perfect. You know Bill Gates said, “the problem with early success is it makes people feel like that they're smarter than they are.” And I think that's kind of what happened because we sold that company for several million dollars and I went out and started investing. And you know what? I wasn't really investing at all. I was speculating and calling it investing you know investing is when your principle is generally safe and you've got a chance to make a return. And speculating is when your principal is not at all safe and you've got a chance to make a return. And so I didn't know the difference. And so I actually had all kinds of issues and problems along the way I lost a lot of money along the way and eventually got involved in real estate. And when I did I was able to see over time what the difference between speculating and investing is. And at this point, I'm really excited to be doing what we're doing in commercial real estate.  Wow, that's an amazing story and I'm going to tell you why I can totally relate to that. I recently read an amazing book by Napoleon Hill which I think is an outstanding book and it's called “Outwitting the Devil” and what he says in that book - you gotta check it out it's amazing so it kind of works on your mind it kind of changes your mind and the way you think mentally it makes you a more positive person whereas which kind of gives you the fundamentals for success. I got like a manuscript for success. This book is kind of different and so one of the things he says in the book that I could totally relate to is that there is no such thing as failure only temporary defeat. And for every failure or for every temporary defeat you have the same equivalent seed of success. And so when I hear you talk about how you were speculating and how you were actually kind of investing money in the chance of making a return that kind of makes me feel like you even if you've done mistakes you've learned from the mistakes am I right about that.   Yeah absolutely and that's one of the reasons we have a podcast called “How to lose money.” You don't really want to teach people to lose money but we want to teach people what not to do because I think it's a lot easier sometimes to avoid other people's mistakes than it is to copy their successes. And if we can learn what to avoid what not to do which all of our guests on almost 200 episodes now have told us what they did wrong then you can be better positioned to be sure you're doing what's right. And so I've got to tell you I never heard of that book and I just looked it up. It kind of looks like it's a newer book. I wonder if it's just never been published before.  Yes, so I'm happy to talk about this book because it is truly a life-changer in this podcast. I know it's about real estate but you know if you want to be good in real estate your competition is constantly acquiring knowledge. So you've got to acquire knowledge right. It was actually written in 1936. Right. I don't know maybe 1938 one of them got it was. Published in 1980. And so yes it was. It was hidden for 50 years. And the reason it was hidden is it was because of Napoleon's Hill's family, they were afraid. They were afraid of publishing this book because of the things that they talk about over there are just life-changing. And back in the day if you had published things like that to talk about you know our culture, schools, churches and the things they put into your mind when you were young then they were afraid that they would be there would be frowned upon. So that's why it wasn't published. And now a lot of people know about it. And but that's an amazing book. Yeah. I want to hear about your first successful deal. Tell me how you found it. What were the struggles in that specific deal? How did you come up with the money? I know you had money. So tell me a little bit about that.  So the first successful deal in multi-family was actually something I would never do again. It just happened that the timing was right. And again going back to Bill Gates it made us think we were probably smarter than we were. What happened is in the year two thousand eight we had this little economic crisis in the US I'm sure nobody remembers it but I took some time off of real estate to learn to do marketing copyright and actually trained under some of the great copywriters in the US a couple of them and I really enjoyed that. But somehow in that process I stumbled into oil and gas investing, now I had a Petroleum Engineering Degree and like I said I never used it but I thought hey I can maybe put this to work and so I actually stumbled into this North Dakota oil and gas project and without explaining all the details I'll tell you that I convinced about six or seven friends to invest in this with me. One of those friends has a jet and he actually is a very successful entrepreneur. He's the guy who I started the company with when we both left Ford and we flew together to North Dakota once and he flew a couple of other times to talk to this oil and gas guy and we could never find a place to stay.  Now we were both involved in real estate and had some commercial real estate background and well you know we looked at all these pickup trucks and cars and larger trucks you know parked along in the Wal-Mart parking lots alongside of the road because there wasn't enough housing and we said why don't we quickly build a multi-family facility to house these oil workers in this huge oil boom. There are 18000 job openings. So we built these little 300 square foot really nice cabins 300 square foot units. They were usually in two or four units per building. And we know that the average rent for an apartment around the US is more or less a dollar per square foot per month. So an eight hundred square foot apartment might rent for about eight hundred dollars in the heartland of America, not in places like Miami. But we were getting 13 times that average. We were actually getting almost 4000 dollars a month for this 300 square foot little unit. So I think it was thirteen dollars per square foot per month and they were staying full because the oil companies were I mean their choices were maybe if they could even find a motel room. Spending three or four hundred dollars a night and this was one hundred twenty-nine dollars a night. And so we did really well with that and sold it when oil prices were about one hundred dollars a barrel and we were really happy and we moved on to build a Hyatt Hotel which my business partner did almost all of but I supported him in that effort.  Wonderful. Great. So you were actually you were lucky with that deal?  We were because you know six months later oil was down to thirty dollars a barrel and the people who had man camps, apartments, hotels that had built they had built quickly all over the region of Williston and Watford City, North Dakota were going bankrupt left and right because they didn't have you know they didn't have enough oil workers to join them. And I tell you it what's crazy is we decided when we build ours to be the nicest one in town and ours generally did fine and is still doing fine even though like I said we sold it a long time ago back in 2013. It's still doing fine. And it makes me very happy that it is.  Yeah definitely. So you know I kind of heard that you're moving from multi-family into self-storage facilities and I want to ask you why? What is it that you see? Because it looks like you have the Midas touch. To be honest, looks like you know what you're doing and you got some luck on your side. So why is it you decided to make that move? Well you know I if I had to invest a million dollars right now and I couldn't touch it for 100 years in one asset class I would invest in multifamily. I really believe that the multifamily that's existing now and that's being built now will still be housing people as apartments. A hundred years from now I don't know if that's true for self-storage and mobile home parks. But I'll tell you this, right now there are opportunities in self-storage and mobile home parks that I can't find in multifamily. Let me first quickly review a couple of the reasons Multifamily is overheated. First of all, it's just very popular. It's very much “the thing” and people love the idea of making value, adding upgrades, adding countertops, paint, and colors and it's similar to what they see on HGTV and they think well you know this is something I can do. Well you know honestly it's often something that that can be done. I agree but ninety-three percent of the multifamily over 50 units are owned by professional corporations and they've already done most of those things. So it's hard to find a really good deal. There's international money, there's 10-31 exchange money, there's institutional money, there's dumb money all chasing multi-family right now. There are also new rules which are people you know it's fine if you weren't investing in multifamily and you know the 12 years ago before the recession. That's fine. But it's another thing to be called a guru calling yourself a guru just because you had a few successes along the way now and some of these gurus I call them “newrus” are actually telling people it's OK to overpay.  Well, that's not real smart and people like Warren Buffett and Howard Marx and Charlie Munger and Ray Dalio they would tell you it's really really not smart to overpay for an asset just because it's popular. In fact, that's the time to sell. So multi-family is largely overheated. What I love about self-storage or mobile home parks is that they're largely fragmented in their ownership which means that the owners of these asset classes are often mom and pops perhaps 50 percent or more of the owners of self-storage are mom and pop operators, which means they don't know how or don't care or don't need to maximize income and raise the value.  And they're so mean sorry for cutting you, it also means it's easier to get a good deal.  It's much easier to get a good deal on what you can do is say you can pay them top dollar for what it is but there is still meat on the bone. There are still opportunities to do upgrades and that's the beauty of self-storage and mobile home parks in the path of growth because they have a lot of upsides but you can still pay a very fair price, in fact, one of the operators that we just invested with last week they're sellers know that they're selling below market yet they like this buyer, this operator so much that they're actually willing to turn around take the cash and often invest back with him. That's how much they like him even though they know he's going to take the value of that facility and perhaps double it.  Ok. I want to give you know a small opinion of what you're saying as far as multifamily goes. Just like a small story that I had with clients, I was trying to move these two people into an apartment here in Pembroke Pines and then they went to see that apartment complex. The price was fourteen hundred bucks for a two/two which was good because that's what they were looking for. Then when they got over there the parking fee was one hundred and fifty dollars a month. Now you're thinking, you know as an investor I know exactly how it got inflated that that much. It's just you know they're trying to add value, trying to force appreciation again and again and again. But isn't there going be a time where that the tenants of the apartment buildings are going to understand that they are being forced appreciated? It's just going to happen.  Yes, I think that's absolutely true. Now at the same time, they may not have a choice. I mean they like places like Miami. My friend lives in Miami, he spent months and months just looking for a room for like seven hundred bucks a month. And you know it's just a room in somebody's house. And so my understanding is that if you know if somebody needs to live there they're going to have to just accept that until they don't have to anymore in the time of a downturn.  So that's what's going to happen in time a downturn. All this forced depreciation is just what's going to happen with it? So the complexes are going to offer a two/two unit where you don't have to pay parking. That's going to be that's got to be what's going to attract more clients their way.  Yeah I mean it's very possible. I mean it's hard to tell. But you know Florida specifically has a history of pretty high swings between the up and down and so does California, Nevada, and Arizona.  Ok, so let's talk about the opportunities you mentioned. There's a lot of opportunities in self-storage and mobile parks. Self-storage you mentioned that it's easier to get a good deal because you're dealing with 50 percent of your owners are mom and pop. And you also mentioned that there's a lot of meat on the bone. So there's a lot of value add. So what I want to ask you is first of all what is the value add-in in a self-storage facility. What are the main things that you're going to implement if you were to acquire one? And what are the opportunities in mobile parks?  Yeah absolutely. So when I started thinking and hearing about these asset classes a couple of years ago I kind of chuckled when I thought about value ads for self-storage I could just picture the self-storage unit that I had in the past you know that I had rented. So it was four pieces of sheet metal a bunch of rivets a concrete floor and a roll-up door. That kind of rhymed and you know I just thought, “Where are you going to add value.” You can't paint it you can't upgrade. You can't stage it. What can you do? Well, there's a ton of value to be added in self-storage. And if you like I can run through a few examples and then I can actually give out some math if you'd like to try. Yeah. If you'd like me to try it on the fly at least so self-storage. There is a mom and pop typically doesn't have a web site and do a lot of marketing. Therefore their rates are often below the average rates of the other competitors in the area.  So that's one thing, you can improve marketing that's not exactly a value add. That's just better operations but a real value add is U-Haul adding Hertz or Penske or U-Haul trucks by adding those you can add two to four thousand. I even saw a place in Florida that was getting 5000 a month and commission from their U-Haul rentals. Now let's do the math on just that one. Let's say it's five thousand dollars a month. That's sixty thousand dollars a year added to the bottom line with no cap-ex, it's just a change in policy and procedure. Now in residential real estate where you have been done in the past, you know that the value of any real estate is based on the comps you can improve a house to no end. And like you can add a million dollars in value to the house but you probably won't get that out of it if the neighborhood doesn't support it.  Yeah, but in commercial real estate, the value is based on a formula. And if you're going to write anything down folks this is the value formula for commercial real estate is the income divided by the rate of return. In other words, the value is the net operating income not including debt service divided by the cap rate or the expected rate of return for that type of asset at that time in that condition in that geography. OK. So take five thousand dollars a month let's not take five thousand a month. Let's take four thousand dollars a month which is more realistic for adding you all and multiply it by twelve months. That's forty-eight thousand dollars. Now that's the income added and there's no cost to this. This is just the net added to the bottom line. Now divide that by the cap rate. Now cap rates used to run about 8 to 10 percent. Now they're typically running four to seven percent four percent in areas like California, Boston, New York or self-storage. Yeah, self-storage is unfortunately almost as bad as multifamily. No, not quite. But let's just apply a 6 percent cap rate so you take the forty-eight thousand a year divide by point zero six. Eight hundred thousand dollars to the value of your facility.  Now, let's say you paid three million dollars for that facility and let's say you financed two- thirds of that. So that's two million in debt one million in equity. We just added from just adding U-Haul we added eight hundred thousand to our million in equity. Now it's worth one point eight million at least on paper and it should be in reality as well by the way. And you appreciated your equity by 80 percent increase. And that's before a lot of the other value adds like adding a showroom with locks, boxes, tape, scissors, adding late fees, adding admin fees, selling insurance, raising rates to market level and half a dozen to a dozen other things service lots of things that can be done and the value equation is really really powerful the most powerful that you can usually do by the way is convert some of those weeds out front or that perhaps RV parking area to an additional climate-controlled facility. You got the land paid for you've already got the marketing done. You've got the office done. Now you can add additional units at a lower cost and it's a very very powerful way to improve income and value. So that's an example if you like I can quickly do some mobile home park examples.  Mobile home parks are the only asset class that has a shrinking supply and increasing demand with the affordable housing crisis. And we won't get into all the whys for that but it's very very hard for a tenant to leave. I mean tenants you know even if let's say the tenant has a dispute with the management they just don't like being there anymore. Are they really going to spend five thousand dollars or even ten thousand for a double-wide to move their unit down the street? Probably not and they usually abandon them before they would actually spend the money and have the risk of moving an older unit. So these tenants are really really sticky. One quick value add that I like and this is just an example that applies kind of broadly to all commercial real estate. If you have commercial real estate you have an asset that you can actually compound your returns from and without going into more detail on that I'll tell you about one we recently invested and now these numbers are rounded. They're not exact. And I'm just using this as easy math example. So let's say, this cost to this mobile home park was five million dollars, 60 percent debt and that would be 3 million and 40 percent equity and that would be of course 2 million in equity. Now, the owner of this mobile home park got in there and he said: “Man this place is a mess.” There's are RVs and there are boats and there are broken down cars.  Some of these mobile homes have three, four, five and six cars parked out front. And we want to clean this place up and so we can raise rents and have a nicer place for everybody to live. And so what they did is they paved over an acre of weeds with a fence. They added a fence. They added a gate and they park our RVs and boats and extra cars and work trailers there now and they're even going out the community and having people bring their boats and RVs and they're charging them for this. Now when this is fully leased up this one acre will house ten thousand dollars worth of vehicles. Now ten thousand dollars a month in rent is a hundred twenty thousand dollars a year. They only paid one hundred thousand dollars to build this facility and they're getting one hundred twenty thousand dollars in total rent. That's 120 percent annual return. And so the value of that cash flow is great. But it's much better than that when you look at the value. But let's use a 6 percent cap rate again.  So I'm not going to make it One hundred and twenty thousand. Yep. Let's ignore that the expense one hundred thousand for a minute. We can ignore that.  That's right. Because that's just a capital expense.  So two million more initiating. That's a hundred percent return on your equity.  You got it. That's I mean you nailed it. So you just grew the equity by double. And that's only one change of dozens or let's say at least a dozen changes this upgrade will make it this park to increase rent and increase income.  Ok, so the last question I have on that subject is if the opportunities are so unique and easy why isn't everybody going in that direction.  You know Warren Buffett was asked that same question. They said you know if you've got such a great system why doesn't everybody just copy you exactly. And he said you know people don't like to get rich slowly. I think the parallel there is people don't want to take the time and take the effort and set up a marketing program to reach out to these owners. I only know one guy who's done it really really well. He's got a team. This is somebody we invested with just last week. He's got a team of four or five full-time employees who do nothing but call these self-storage and mobile home park mom and pop owners on their cell phones when possible and try to see if they are interested in selling. And that's what he's doing. It's a lot of work. It's hard. It's expensive but the rewards are incredible.  Wow. Interesting. Very interesting. Honestly, I'm you know as a wholesaler in residential real estate. It is for me it's music to my ears because all I've been doing is doing marketing and getting to two sellers.  So you know like the deal I told you about, that land we bought is from marketing that we do. So you know I think the way we market is we don't necessarily work with brokers as much as we do marketing to talk directly to sellers. So that is music to my ears and I want to thank you for that advice I'm definitely going to check that route.  And yes I mean these are some amazing insights that you're giving us here.  And so I want to thank you for participating, for dedicating your time to be on my show. It's just I'm truly grateful for that. And so what are the best ways to communicate with you?  Yeah. You can find us. You can find me on bigger pockets. Again my name's Paul Moore My company is Wellingscapital.com - We'd love to hear from your listeners there.  Of course, Paul so thank you very much for being on the show today and I really hope you’re going to have an amazing rest of your day.  All right. Thank you. It's been an honor to be here. Thanks so much.  All right. You have a great day. Bye-bye.  Thanks for listening to the real estate investing podcast with Don and Eden. Stay tuned for more episodes. Till next time.   

On Episode 9 of Idiots like us, Wes & Jeff invite special guest host from the "Corner Pocket Podcast" Victor Freeze & discuss memorable sports moments, Freeze's pitch for Creed 3, Rocky 5, Wes' hood pass, flying on spirit airlines, more bowl predictions, the idiots not like us and more!!!

Ilmu yang menjadikan USIM sebagai Universiti terkemuka dunia untuk rujukan serantau dalam integrasi ilmu Naqli dan Aqli selain bertaraf antarabangsa, ia juga sejajar dengan pembangunan Negara dan kemanusiaan sejagat melalui pendekatan pelan tindakan yang strategik komprehensif dan efektif.

Pengambilan pertama pelajar seramai 255 orang pelajar pada sesi 2000/2001 USIM mewujudkan perkhidmatan USIM. Pada sesi tersebut juga, kewujudan Bahagian ini menjadi lebih signifikan sebagai organisasi yang menguruskan hal ehwal kemahasiswaan. Bermula dengan seorang Penolong Pendaftar dan kemudiannya beberapa orang kakitangan sokongan, Bahagian Hal Ehwal Pelajar mula memainkan peranan penting dalam merancang dan melaksanakan aktiviti-aktiviti yang berkaitan dengan pembangunan sahsiah pelajar. Kemudiannya, diterajui oleh seorang Timbalan Pendaftar ketika beroperasi di Kampus Sementara Pertama di Bangunan Institut Profesional Baitulmal (IPB), Kampung Pandan sehinggalah berpindah ke Kampus Sementara Kedua di Menara A, Pandan Indah.

Universiti Sains Islam Malaysia (USIM) is an emerging Islamic university; the 12th university to be fully owned and funded by the Malaysian Government. It aims to spearhead knowledge and be the global reference centre for the integration of Naqli and Aqli knowledge. USIM adopts a balanced approach to education, blending both physical and spiritual components, embedded not only in the academic programmes offered but into its administration and management practices as well. Against this backdrop, USIM embraces a holistic approach towards the delivery of knowledge, which unites the revelational sciences (Naqli knowledge) and the rational sciences (Aqli knowledge). USIM thus offers a unique model for Islamic higher education, setting it apart from the other Islamic universities worldwide. The integration of religious sciences, together with the social and physical sciences in all of its programmes, provides a comprehensive understanding of the current global problems and offers a fresh alternative for approaching and solving them.

Seminar Rukhsah Ibadah & Fiqh Perubatan 2014 Sabtu, 26 April 2014 Simposium 3 : Halal & Haram Dalam Perubatan Tajuk : Penggunaan Ubat Sumber Haram Semasa Darurat Penceramah : Dr. Khairun Nain Mohd Aripin Anjuran : Fakulti Perubatan & Sains Kesihatan, USIM dengan kerjasama Majlis Agama Islam Negeri Sembilan (MAINS), Medical Student Club & Tintaqalbu

Seminar Rukhsah Ibadah & Fiqh Perubatan 2014 Sabtu, 26 April 2014 Simposium 4 : Fiqh & Etika Perubatan Tajuk : Eutanasia & Penjagaan Pesakit Tenat Penceramah : Prof. Dr. Muhammad Tauffik Mohd Noor Anjuran : Fakulti Perubatan & Sains Kesihatan, USIM dengan kerjasama Majlis Agama Islam Negeri Sembilan (MAINS), Medical Student Club & Tintaqalbu

Seminar Rukhsah Ibadah & Fiqh Perubatan 2014 Sabtu, 26 April 2014 Simposium 2 : Fiqh & Isu Kontemporari Tajuk : Konsep Wakaf Dalam Perubatan Penceramah : Prof. Dr Mohd Yunus Abdullah Anjuran : Fakulti Perubatan & Sains Kesihatan, USIM dengan kerjasama Majlis Agama Islam Negeri Sembilan (MAINS), Medical Student Club & Tintaqalbu

Seminar Rukhsah Ibadah & Fiqh Perubatan 2014 Sabtu, 26 April 2014 Simposium 4 : Fiqh & Etika Perubatan Tajuk : Pendermaan Organ & Autopsi Penceramah : Dr. Mohd Zulkhairi Mohd Rani Anjuran : Fakulti Perubatan & Sains Kesihatan, USIM dengan kerjasama Majlis Agama Islam Negeri Sembilan (MAINS), Medical Student Club & Tintaqalbu

Seminar Rukhsah Ibadah & Fiqh Perubatan 2014 Sabtu, 26 April 2014 Simposium 1 : Islam & Perubatan Tajuk : Rawatan Kemandulan Dalam Perspektif Islam Penceramah : Prof. Madya Dr Muhammad Shamsir Mohd Aris Anjuran : Fakulti Perubatan & Sains Kesihatan, USIM dengan kerjasama Majlis Agama Islam Negeri Sembilan (MAINS), Medical Student Club & Tintaqalbu

Seminar Rukhsah Ibadah & Fiqh Perubatan 2014 Sabtu, 26 April 2014 Simposium 3 : Halal & Haram Dalam Perubatan Tajuk : Vaksinasi Dalam Perspektif Islam Penceramah : Dr. Nurul Azmawati Mohamed @ Abd Aziz Anjuran : Fakulti Perubatan & Sains Kesihatan, USIM dengan kerjasama Majlis Agama Islam Negeri Sembilan (MAINS), Medical Student Club & Tintaqalbu

Seminar Rukhsah Ibadah & Fiqh Perubatan 2014 Sabtu, 26 April 2014 Simposium 1 : Islam & Perubatan Tajuk : Konsep Hospital Mesra Ibadah Penceramah : Prof. Dato' Dr Nik Mohd Nasri Nik Ismail Anjuran : Fakulti Perubatan & Sains Kesihatan, USIM dengan kerjasama Majlis Agama Islam Negeri Sembilan (MAINS), Medical Student Club & Tintaqalbu

Seminar Rukhsah Ibadah & Fiqh Perubatan 2014 Sabtu, 26 April 2014 Simposium 4 : Fiqh & Etika Perubatan Tajuk : Aurat Dalam Perubatan Penceramah : Prof. Madya Dr. Zairina A.Rahman Anjuran : Fakulti Perubatan & Sains Kesihatan, USIM dengan kerjasama Majlis Agama Islam Negeri Sembilan (MAINS), Medical Student Club & Tintaqalbu

Seminar Rukhsah Ibadah & Fiqh Perubatan 2014 Sabtu, 26 April 2014 Simposium 1 : Islam & Perubatan Tajuk : Dilema Pesakit Berpuasa Penceramah : Dr Hilmi Lockman Anjuran : Fakulti Perubatan & Sains Kesihatan, USIM dengan kerjasama Majlis Agama Islam Negeri Sembilan (MAINS), Medical Student Club & Tintaqalbu

Seminar Rukhsah Ibadah & Fiqh Perubatan 2014 Sabtu, 26 April 2014 Simposium 2 : Fiqh & Isu Kontemporari Tajuk : Plastic Surgery in Islamic Perspective Penceramah : Dr Rosliza Ghazali Anjuran : Fakulti Perubatan & Sains Kesihatan, USIM dengan kerjasama Majlis Agama Islam Negeri Sembilan (MAINS), Medical Student Club & Tintaqalbu

Usrah Fiqh Makanan ditubuhkan pada 1 Oktober 2013 oleh sekumpulan mahasiswa lepasan USIM yang sedar dan yakin tentang ilmu dan pengetahuan bukan terhad di dalam bilik kuliah. Komuniti yang tidak mendapat dana dari mana-mana pihak ini, yakin dengan usaha pendidikan mampu memberi pulangan yang sangat bernilai untuk ummah. Page Facebook : Usrah Fiqh Makanan

The African Impala can jump to great heights yet be contained in any zoo with just a one metre high wall. Why? Because it won't jump if it can't see where it's feet will land. While I'm touring the US I'm airing a series of 'encore' episodes of my podcast. Today we explore how not to miss the adventure God has for us. More…