Podcasts about wall street journal article

For this episode Drew leads a discussion with all of our hosts about the recent Wall Street Journal Article "Young Doctors Want Work-Life Balance. Older Doctors Say That's Not the Job." You'll want to listen in and see where the hosts stand. Don't forget, we are the official podcast of the American College of Osteopathic Emergency Physicians, visit acoep.org today to learn more today!

What solutions does Ruchir propose for capitalism's problems? Why does government intervention won't fix capitalism? Why is the overhype with America overshadowing other emerging economies? In the latest episode of SparX, we sit down for a conversation with economist and best-selling author Ruchir Sharma on the history, impact, and current state of capitalism. We break down the research and content from his latest book "What Went Wrong With Capitalism". We also explore Ruchir's personal life, his background, and his passion for sprinting. Tune into today's conversation with one of the brightest minds and understand capitalism, its history in the western countries and India. Resource List - Ruchir Sharma Blog: https://ruchirsharma.com/ What is a bailout?: https://www.investopedia.com/terms/b/bailout.asp More about ‘Zombie Companies': https://corporatefinanceinstitute.com/resources/commercial-lending/zombie-company/ Wall Street Journal Article: https://www.wsj.com/articles/the-rescues-ruining-capitalism-11595603720 Breakout Capital Website: https://breakout-capital.com/ What is an Oligopoly: https://en.wikipedia.org/wiki/Oligopoly More About ‘The New Deal': https://en.wikipedia.org/wiki/New_Deal#:~:text=The%20New%20Deal%20was%20a,U.S.%20from%20the%20Great%20Depression. About SparX by Mukesh Bansal SparX is a podcast where we delve into cutting-edge scientific research, stories from impact-makers and tools for unlocking the secrets to human potential and growth. We believe that entrepreneurship, fitness and the science of productivity is at the forefront of the India Story; the country is at the cusp of greatness and at SparX, we wish to make these tools accessible for every generation of Indians to be able to make the most of the opportunities around us. In a new episode every Sunday, our host Mukesh Bansal (Founder Myntra and Cult.fit) will talk to guests from all walks of life and also break down everything he's learnt about the science of impact over the course of his 20-year long career. This is the India Century, and we're enthusiastic to start this journey with you. Follow us on Instagram: / sparxbymukeshbansal Website: https://www.sparxbymukeshbansal.com You can also listen to SparX on all audio platforms Fasion | Outbreak | Courtesy EpidemicSound.com

Welcome back to another installment of Retirement Headlines with your hosts, Dave and Nick! In this episode, we provide an overview of the articles we've been reading, offering insights to help listeners understand what's happening in the retirement landscape. https://youtu.be/YD9N_G8JGos 1. Wall Street Journal Article on Umbrella Insurance Overview: Insurance coverage is changing, particularly with umbrella insurance. Key Points: Umbrella insurance is personal liability insurance that covers beyond your auto and home insurance. Inflation has increased the size of claims, making umbrella insurance more necessary. Premiums for umbrella policies are rising due to increased claims. Example discussed: $250,000 liability coverage on auto insurance is often insufficient. 2. Yoters' Series on Retirement Health Overview: The Yoters, former financial writers, are documenting their retirement. Key Points: Focus on maintaining health during retirement. Discussion about the book "Outlive" by Peter Attia. Importance of preventing long-term health issues to enjoy retirement. The concept of "The Lost Decade" where health issues can diminish the quality of life. 3. Retirement Savings Rule Changes Overview: Changes to retirement savings rules as reported by the Wall Street Journal. Key Points: New rules affecting Roth contributions and required minimum distributions (RMDs). Penalties for missed RMDs will be reduced from 50% to 10%. Discussion on whether this change will lead to stricter enforcement of penalties. 4. The Resurgence of the 60/40 Portfolio Overview: According to Morningstar, the 60/40 portfolio is making a comeback. Key Points: Despite market fluctuations, the balanced 60/40 portfolio (60% stocks, 40% bonds) remains effective. Historical context and recent performance validating the portfolio strategy. Importance of sticking to tried-and-true investment principles. 5. 60/40 Portfolio and the 4% Withdrawal Rate Overview: Examination of the sustainability of the 60/40 portfolio with a 4% withdrawal rate. Key Points: Wall Street Journal article discusses potential risks. Discussion on market conditions and investor behavior. Importance of flexibility and adaptability in retirement planning. Additional Articles Discussed in this Episode Why Retirees and Investors Approaching Retirement Should Reduce Risk Today Shopping for a used car? Why now may be the time to buy. How to Plan for Retirement if You're Behind on Saving in Middle Age How to Predict a Recession Why Investors Missed Out on 15% of Total Fund Returns A Time-Honored Strategy Puts Your Retirement at Risk of Financial Ruin Conclusion Thanks for tuning in to this episode of Retirement Headlines! Have thoughts or questions about what we discussed? We'd love to hear from you. Send an email to info@srbadvisors.com or call 517-321-4832 Don't forget to subscribe to our YouTube Channel for more insights and personalized advice. Book a call with one of our retirement advisors today to ensure you're on the right track for a secure and enjoyable retirement.

We have a doozy for you all today! Baer Halvorson of The Security Today Podcast joins us to share his background in the industry and a bit about how he got into creating content - both his podcast and course/educational content before we dive into our conversation about the future of skilled trades - in particular the skilled trades in the security industry. We've all seen the headlines and topics covering the need for more skilled labor and I'm sure many of you have heard the inquiries of companies searching for skilled technicians in our field.  We dig into some of the ideas that might help to shape and strengthen our industry for the future. Baer's 3 Points To Appealing To The "Next Generation":  - Get it in front of them - Show that it's interesting - Celebrate the successes You won't want to miss this one! Enjoy the show! (**LOTS of links below) ____ Time Stamps: 2:30 - Intro & Our Connection 7:54 - Baer's Background in Security 24:35 - Baer's "Security Guy" Moment 28:53 - Education w/ Black Pickett Fence Online 31:43 - The Future of Technicians in Security 35:10 - Attracting The Younger Generation to the Industry 45:50 - Importance of Knowledge Transfer 53:15 - Celebrating Those That Make The Effort 1:02:42 - Quick Questions 1:20:25 - Wrap Up ------ Baer's Info & Projects Baer's Instagram The Security Today Podcast Black Picket Fence Online   Links referenced: - Foley Belshaw Online Locksmithing Course - link here - National Locksmith Guide to Manipulation - the thing that got Baer interested in locksmithing - link here - Italian Job scene I think of with this ;)  - McKinsey & Co Article on Future of Skilled Trades - link here - Wall Street Journal Article - link here Celebrating Those Who Are Making An Effort In This Space: Eddie Dacius - Instructor at North Bennet Street School link here Cicada Systems - link here Andrew Brown - Skilled Trades Advisory Council - link here Rodger Schmidt - see Security Today Podcast Episode here

Derek Moore is back to discuss the WSJ article comparing Nvidia to Cisco and Jim Cramer's response. Is Nvidia in a bubble?   Wall Street Journal Article on Cisco 2000 vs Nvidia 2024 Forward PE multiples then and now Cisco vs Nvidia Data showing bull markets often continue the second half of the year When markets are up 10% first half of the year what happens next? Don't give up on the bull market yet based on data? Implied Volatility spikes in France compared to Germany What does 100% Moneyness mean in options speak? Explaining option moneyness at different levels How does July stack up against other months of the year for S&P 500 returns? August and July market returns in Election years Inflation PCE cools while PCE Services less housing still elevated YoY Container shipping rates rising again to highest level since September 2022 French CAC 40 Market near 10% drawdown from highs   Mentioned in this Episode   WSJ article comparing Cisco in 2000 vs Nvidia in 2024 https://www.wsj.com/finance/investing/nvidia-is-no-cisco-but-it-is-getting-expensive-1938fcc0   Derek Moore's book Broken Pie Chart https://amzn.to/3S8ADNT   Jay Pestrichelli's book Buy and Hedge https://amzn.to/3jQYgMt   Derek's new book on public speaking Effortless Public Speaking https://amzn.to/3hL1Mag   Contact Derek derek.moore@zegafinancial.com   www.zegafinancial.com

Operation Archangel! Tyler is back in a solo podcast to talk about Project ArchAngel, an operation that deals with "casting the devil" out of Medellin, Colombia along side Homeland Security Investigations and The Colombian National Police. Even though Libertas International has been working against tourists for a number of years, this case really picked up steam and support with the identification of Jaymes Bond Shulte, an American MMA Fighter who traveled abroad to abuse young girls and upload the abuse onto his social media channels like PornHub, Telegram, and other porn sites. We found that we was communing with other predators, creating a conspiracy to abuse children in Colombia and he wasn't the only one. In the months since his arrest Op. Archangel has picked up serious steam. Even so much as being mentioned by the current Mayor of Medellin. In this podcast, Tyler gives a rundown of what his Op. Archangel, how Libertas International is key to it all, and what our success has been so far. As of this publishing in June of 2024 Op Archangel has lead to the recovery of 50 survivors and the arrest of 12 predators. Cowboy State Daily Write Up About Op. Archangel-https://cowboystatedaily.com/2024/05/04/wyoming-man-honored-for-rescuing-more-than-3-000-girls-from-illegal-sex-tourism/A Wall Street Journal Article about Libertas International- https://www.wsj.com/world/americas/the-dark-side-of-colombia-tourism-child-sex-trade-in-medellin-2c583fad

(00:00) The Wall Street Journal reported friction in the relationship between Wells Fargo & Bilt. What was reported and what do we make of the details? Find out in this episode of Coffee Break. (01:16) What the Wall Street Journal Article says (02:01) Digging into article details a bit about the Bilt / Wells Fargo relationship (06:34) Fraud and Money Laundering Concerns (09:44) The Wells Fargo and Bilt response (10:34) WSJ article key points quick summary (11:12) Our take about what this all means Visit frequentmiler.com/subscribe to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.. Music Credit – Beach Walk by Unicorn Heads

In this episode, Zina Kumok shares her journey of paying off $24,000 in student loans in just three years. She emphasizes the importance of budgeting and tracking expenses, as well as the power of making small extra payments. Zina also discusses the balance between frugality and happiness, and the need to find peace with past money choices. She highlights the shift in personal finance advice for Gen Z and the importance of considering the emotional aspect of money. TakeawaysBudgeting and tracking expenses are crucial for managing debt and achieving financial goals.Making small extra payments can have a significant impact on debt payoff.Finding a balance between frugality and happiness is important for overall well-being.It's essential to find peace with past money choices and focus on personal growth.Personal finance advice is shifting to consider the emotional aspect of money and the individual's unique circumstances.Finding deeper reasons for financial goals and aligning them with everyday life can provide motivation and fulfillment.Wall Street Journal Article on Gen Z and Dave RamseyCheck out Zina's WebsiteFollow Zina on InstagramFollow Zina on YoutubeYou Might Like: Get the BRAND NEW FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

Perianne Boring joins me to discuss the importance of communicating with political leaders about Bitcoin, Elizabeth Warren's attempt to stop Bitcoin, and how the Bitcoin community can fight against misinformation and miscommunication. Perianne Boring is the Founder and CEO of The Chamber of Digital Commerce. // GUEST // Twitter: https://twitter.com/PerianneDC Website: https://digitalchamber.org/// SPONSORS // In Wolf's Clothing: https://wolfnyc.com/NetSuite: https://netsuite.com/whatismoneyHeart and Soil Supplements (use discount code BREEDLOVE): https://heartandsoil.co/Bitcoin Apparel (use discount code BREEDLOVE): https://thebitcoinclothingcompany.com/Feel Free Tonics (use discount code BREEDLOVE): https://botanictonics.com/Carnivore Bar (use discount code BREEDLOVE): https://carnivorebar.com/// OUTLINE // 00:00:00 - Coming up 00:00:31 - Intro 00:02:04 - Helping Lightning Startups with In Wolf's Clothing 00:02:50 - Introducing Perianne Boring 00:03:11 - Bitcoin Journey and Career Path 00:07:00 - Inspired by Ron Paul 00:08:04 - Ayn Rand and the Importance of Freedom 00:10:23 - What is Money 00:13:27 - Communicating with Political Leaders About Bitcoin 00:19:55 - Environmental Impact of Bitcoin 00:27:11 - Conveying the Utility of Bitcoin 00:29:38 - Run Your Business from Anywhere with NetSuite 00:30:43 - Elizabeth Warren's Attempt to Stop Bitcoin 00:35:15 - How People Can Fight Back 00:39:07 - Motivation Behind Warren's Attempted Bill 00:42:24 - Dystopian Reality of CBDCs Implementation 00:45:55 - The Stop Crypto Ban Campaign 00:48:42 - A Wall Street Journal Article 00:51:48 - The Importance of Defending Bitcoin 00:54:27 - Misinformation about Bitcoin and the Need for Optionality 00:58:57 - DC Blockchain Summit 2024 01:02:22 - Engaging with DC Politician 01:06:13 - Spot Bitcoin ETF 01:11:30 - Motivation Behind SEC's War Against Bitcoin 01:13:40 - Motivation Behind Perianne's Work 01:15:48 - Where to Find Perianne on the Internet// PODCAST // Podcast Website: https://whatismoneypodcast.com/Apple Podcast: https://podcasts.apple.com/us/podcast/the-what-is-money-show/id1541404400Spotify: https://open.spotify.com/show/25LPvm8EewBGyfQQ1abIsE?Rumble: https://rumble.com/c/BreedloveRSS Feed: https://feeds.simplecast.com/MLdpYXYI// SUPPORT THIS CHANNEL // Bitcoin: 3D1gfxKZKMtfWaD1bkwiR6JsDzu6e9bZQ7 Sats via Strike: https://strike.me/breedlove22Sats via Tippin.me: https://tippin.me/@Breedlove22Dollars via Paypal: https://www.paypal.com/paypalme/RBreedlove// WRITTEN WORK // Medium: https://breedlove22.medium.com/Substack: https://breedlove22.substack.com/// SOCIAL // Twitter: https://twitter.com/Breedlove22WiM? Twitter: https://twitter.com/WhatisMoneyShowInstagram: https://www.instagram.com/breedlove_22/TikTok: https://www.tiktok.com/@breedlove22LinkedIn: https://www.linkedin.com/in/breedlove22/All My Current Work: https://vida.page/breedlove22

Welcome to Chuck's Cantina Podcast where anything & everything is up from discussion. This week OG patron Patrick returns to the Cantina to discuss after one of the biggest weeks in WWE history business wise the Wall Street Journal Article highlighting the recent lawsuit filed against former chairman Vince McMahon, what is next for the company, and the awful history on-screen wise of the things Vince has done. Chucks drink: Spindrift sparkling water lime & Broken Skull Lager by El Segundo Brewing Company. Patrick's drink: High Quality H2O & Lockens Ruby Grapefruit Beer. You can follow the show on Facebook, Twitter, & Instagram, at @Chuckscantina for more information. To contact the show please reach out to chuckscantina@gmail.com Cheers.

Grant Cardone and Peter Schiff think it's time to keep buying Real Estate and the Apes give their thoughts on this philosophy in today's economy. The Apes also discuss a Minority Mindset Youtube video where Jaspreet Singh discusses a Wall Street Journal Article titled "Americans Are Still Spending Like There's No Tomorrow. Finally the guys talk about their thoughts on The Dailywire's latest film "Lady Ballers" which will be releasing this Friday on the Dailywire+ app. The movie was made because Hollywood wouldn't dare to make a movie about how laughably absurd it is that we now allow grown men to call themselves women and dominate women's sports. 

Join us for a two-part episode where we unpack our 2023 edition of key year-end planning strategies for those nearing or embracing their retirement years. With the holidays right around the corner, it is the perfect time of year for these conversations. Listen in as we cover a range of topics, from IRA and 401k contribution limits to Roth IRA conversions and charitable giving options.   Here's some of what we discuss in this episode: Medicare open enrollment, Social Security COLA changes for 2024 + and the new Medicare Part B premium Changes to the Required Minimum Distribution (RMD) age Making qualified charitable distributions (QCDs) from IRAs and their benefits in reducing taxable income What are the contribution limits for retirement accounts like 401(k)s and IRAs? Initiating financial decisions early to avoid potential year-end complications   Wall Street Journal Article: https://www.wsj.com/lifestyle/travel/airline-customer-service-scam-twitter-x-e1879760?mod=Searchresults_pos1&page=1   Get in touch with Don and learn more: https://doncashpodcast.com/

It's Medicare open enrollment season, so in today's episode, we're going to dive into some of its complexities and share the common mistakes you want to avoid during this critical period. Listen in as Don and Marc discuss the differences between traditional Medicare, Medicare Supplements and Medicare Advantage plans, and stress the importance of understanding Medicare drug plans.   Here's some of what we discuss in this episode: The key differences between traditional Medicare, Medicare Supplements and Medicare Advantage plans What is Medicare Open Enrollment and when does it occur? What are the potential downsides of Medicare Advantage plans? The importance of reviewing annual letters of notification from your Part D drug plan.   Wall Street Journal Article: https://www.wsj.com/health/healthcare/medicare-advantage-enrollment-risks-923e7952 Previouis Medicare Episodes: https://yourmoneyyourlife.podbean.com/e/abc-s-of-medicare/ https://yourmoneyyourlife.podbean.com/e/ep-61-abc-s-of-medicare/   Get in touch with Don and learn more: https://doncashpodcast.com/

Join co-hosts Bob Fraser and Ben Fraser in the latest episode of the "Top of Mind" series on the Invest Like A Billionaire podcast as they discuss the post-pandemic job market. Focusing their discussion on a recent Wall Street Journal article titled "The Job-Market Boom Is Over. Here's Why and What It Means", Ben and Bob provide their unique perspectives, offering insights that challenge the notion of the end of a labor shortage. Don't miss this thought-provoking and informative discussion that connects current headlines to broader economic themes. Wall Street Journal Article - https://www.wsj.com/economy/jobs/the-job-market-boom-is-over-heres-why-and-what-it-means-5f3e498f Connect with Bob Fraser on LinkedIn ⁠⁠⁠⁠⁠⁠⁠⁠⁠ht⁠tps://www.linkedin.com/in/bob-fraser-22469312/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with Ben Fraser on LinkedIn ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/benwfraser/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠   Invest Like a Billionaire podcast is sponsored by Aspen Funds which focuses on macro-driven alternative investments for accredited investors. Get started and download your free economic report today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://aspenfunds.us/report⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Join the Investor Club to get early access to exclusive deals. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.aspenfunds.us/investorclub⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  Subscribe on your favorite podcast app, so you never miss an episode. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thebillionairepodcast.com/subscribe

Join co-hosts Bob Fraser and Ben Fraser in the latest episode of the "Top of Mind" series on the Invest Like A Billionaire podcast. In this episode, Bob and Ben explore the recent surge in oil prices, with Brent and crude oil hitting $90 per barrel. They unpack the factors driving this surge, including recent OPEC cuts, Chinese demand, and new supply. Whether you're an investor or just curious about these developments, this episode offers valuable insights into the complexities of the energy market, helping you stay informed and prepared for what's ahead. Don't miss out on this enlightening discussion about the "why" behind the recent oil price surge and its broader implications. Wall Street Journal Article - https://www.wsj.com/economy/august-cpi-report-inflation-slowdown-85936a0a Oilprice.com Article - https://oilprice.com/Energy/Oil-Prices/Goldman-Claims-Oil-Prices-Could-Hit-107-If-OPEC-Extends-Cuts-Next-Year.html Connect with Bob Fraser on LinkedIn ⁠⁠⁠⁠⁠⁠⁠⁠ht⁠tps://www.linkedin.com/in/bob-fraser-22469312/⁠⁠⁠⁠⁠⁠⁠⁠⁠ Connect with Ben Fraser on LinkedIn ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/benwfraser/⁠⁠⁠⁠⁠⁠⁠⁠⁠   Invest Like a Billionaire podcast is sponsored by Aspen Funds which focuses on macro-driven alternative investments for accredited investors. Get started and download your free economic report today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://aspenfunds.us/report⁠⁠⁠⁠⁠⁠⁠⁠⁠  Join the Investor Club to get early access to exclusive deals. ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.aspenfunds.us/investorclub⁠⁠⁠⁠⁠⁠⁠⁠⁠  Subscribe on your favorite podcast app, so you never miss an episode. ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thebillionairepodcast.com/subscribe

Join hosts Bob Fraser and Ben Fraser in the latest episode of the "Top of Mind" series on the Invest Like A Billionaire podcast, as they talk about a recent article on “Wall Street Is Ready to Scoop Up Commercial Real Estate on the Cheap.” In this episode, Bob and Ben discuss insights on why billions of dollars are being raised to be ready to purchase distressed CRE deals. Hear why they are still bullish on several sectors of real estate. Tune in now. Wall Street Journal Article - https://www.wsj.com/articles/wall-street-is-ready-to-scoop-up-commercial-real-estateon-the-cheap-6edac64f New York Magazine Article - https://nymag.com/intelligencer/2023/08/rent-growth-is-slowing-where-housing-got-built.html Connect with Bob Fraser on LinkedIn ⁠⁠⁠⁠⁠⁠ht⁠tps://www.linkedin.com/in/bob-fraser-22469312/⁠⁠⁠⁠⁠⁠⁠ Connect with Ben Fraser on LinkedIn ⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/benwfraser/⁠⁠⁠⁠⁠⁠⁠   Invest Like a Billionaire podcast is sponsored by Aspen Funds which focuses on macro-driven alternative investments for accredited investors. Get started and download your free economic report today at ⁠⁠⁠⁠⁠⁠⁠https://aspenfunds.us/report⁠⁠⁠⁠⁠⁠⁠  Join the Investor Club to get early access to exclusive deals. ⁠⁠⁠⁠⁠⁠⁠https://www.aspenfunds.us/investorclub⁠⁠⁠⁠⁠⁠⁠  Subscribe on your favorite podcast app, so you never miss an episode. ⁠⁠⁠⁠⁠⁠⁠https://www.thebillionairepodcast.com/subscribe

Join hosts Bob Fraser and Ben Fraser in the latest episode of the "Top of Mind" series on the Invest Like A Billionaire podcast, as they talk about a recent Wall Street Journal article on “The Hottest Real-Estate Play Is in Your Neighborhood.” In this episode, Bob and Ben unveil insights from the article and why investors need to pay attention to this asset class. This little understood asset class is starting to gain the attention of more investors. Tune in to hear why. The Wall Street Journal Article https://www.wsj.com/articles/the-hottest-real-estate-play-is-in-your-neighborhood-7e8ff991 Connect with Bob Fraser on LinkedIn ⁠⁠⁠ht⁠tps://www.linkedin.com/in/bob-fraser-22469312/⁠⁠⁠⁠ Connect with Ben Fraser on LinkedIn ⁠⁠⁠⁠https://www.linkedin.com/in/benwfraser/⁠⁠⁠⁠   Invest Like a Billionaire podcast is sponsored by Aspen Funds which focuses on macro-driven alternative investments for accredited investors. Get started and download your free economic report today at ⁠⁠⁠⁠https://aspenfunds.us/report⁠⁠⁠⁠  Join the Investor Club to get early access to exclusive deals. ⁠⁠⁠⁠https://www.aspenfunds.us/investorclub⁠⁠⁠⁠  Subscribe on your favorite podcast app, so you never miss an episode. ⁠⁠⁠⁠https://www.thebillionairepodcast.com/subscribe

Join hosts Bob Fraser and Ben Fraser in the latest episode of the "Top of Mind" series on the Invest Like A Billionaire podcast, as they talk about crowdfunding. Unpacking the recent Wall Street Journal article, "Missing Millions and a Rabbinical Arbitrator: Real-Estate Deal Gone Bad Hits Popular Crowd Funder," they walk through shocking events that have recently come to light on one of the largest real estate crowdfunding platforms. You'll find out what happened, their personal experiences with this company, and how mis-aligned incentives can create ticking-time bombs. At the end of the conversation, Ben and Bob give you the primary things you need to ask during due diligence and how to spot red flags early on. The Wall Street Journal Article https://www.wsj.com/articles/missing-millions-and-a-rabbinical-arbitrator-real-estate-deal-gone-bad-hits-popular-crowd-funder-3555314f Connect with Bob Fraser on LinkedIn ⁠⁠ht⁠tps://www.linkedin.com/in/bob-fraser-22469312/⁠⁠⁠ Connect with Ben Fraser on LinkedIn ⁠⁠⁠https://www.linkedin.com/in/benwfraser/⁠⁠⁠   Invest Like a Billionaire podcast is sponsored by Aspen Funds which focuses on macro-driven alternative investments for accredited investors. Get started and download your free economic report today at ⁠⁠⁠https://aspenfunds.us/report⁠⁠⁠  Join the Investor Club to get early access to exclusive deals. ⁠⁠⁠https://www.aspenfunds.us/investorclub⁠⁠⁠  Subscribe on your favorite podcast app, so you never miss an episode. ⁠⁠⁠https://www.thebillionairepodcast.com/subscribe

On November 5th today's guest Candice Burt stepped outside her door and began putting one foot in front of the other for 32 miles. The next day she did it again. And again. And again. On and on and on for TWO HUNDRED straight days!! Through this challenge she faced every challenge imaginable- extreme cold, snow, thunderstorms, 100 plus degrees, pretty much every type of weather out there. More challenging, she battled her own mind- staying positive and emotionally neutral as she faced not only pain but the monotony of the day in day out grind. This episode is all about what she went through over the 200 days of 200 ultras and the strategies she used to stay consistent as she kept pushing the goal post farther and farther down the line. This is an AWESOME EPISODE and I am truly honored to be able to chat to Candice again for the show! She is one of my favorite guests of all time!! Enjoy! MORE FROM CANDICE: Website: https://www.candiceburt.com Instagram: https://www.instagram.com/runcandicerun/ Wall Street Journal Article: https://www.wsj.com/sports/candice-burt-ultra-marathon-200-days-7dab983b

On today's can't miss episode of Human Events with Jack Posobiec, POSO dives deep into the latest assault on Donald Trump. Joined by none other than the founder and president of Article II Project, Mike Davis the pair dissect how Trump stopped a secret plan to invade Iran and how the left will stop at nothing to prevent Trump from becoming the next President of the United States. Poso is later joined by The Persistence himself Scott Presler where the two discuss Scott's massive five-million dollar alliance with Turning Point Action. Finally Poso breaks down Pride Month and the latest tumble from the President of The United States, Joe Biden. All this plus James Bacon and all the latest on his riveting Wall Street Journal Article on today's Human Events with Jack Posobiec!Here's your Daily dose of Human Events with @JackPosobiec Save up to 65% on MyPillow products by going to MyPillow.com/POSO and use code POSOGo to BlackoutCoffee.com/POSO and use promo code POSO20 for 20% OFF your first order.Get $200 in FREE SURVIVAL GEAR from ‘My Patriot Supply' with every 3-month supply kit ordered when you go to www.mypatriotsupply.com. 

As a marketer, what is the danger of relying too heavily on digital advertising? Angela Voss, Rob DeMars, and Elena Hengel tackle this question in the first-ever episode of The Marketing Architects. Too many businesses are facing the consequences of an overreliance on digital advertising, from ad fraud to limited growth potential. Hear how brands like Airbnb have side-stepped these digital downsides and the importance of having a balanced marketing mix that embraces both digital and traditional channels.Topics covered: [00:00] Introducing The Marketing Architects [03:25] How Airbnb found success with traditional marketing channels [07:55] The risks of digital advertising [11:22] How brands achieve consistent growth [13:54] How traditional channels build memory and trust[16:32] The importance of both traditional and digital marketing channels To learn more, visit marketingarchitects.com/podcast. Resources: 2022 Wall Street Journal Article 2023 AdAge Article 2020 MarketingWeek Article 2022 CNBC Article 2021 Campaign Article Get more research-backed marketing strategies by subscribing to The Marketing Architects on Apple Podcasts, Spotify, or wherever you listen to podcasts.

The Fed may have a difficult time determining its progress against inflation later this year, as the two biggest inflation indicators contradict each other. The Federal Reserve prefers the Personal Consumption Expenditures index or PCE as a basis for its 2% inflation target. But due to the differences between the PCE and the Consumer Price Index or CPI, they might reverse their roles and cause confusion.   Hi, I'm Kathy Fettke and this is Real Estate News for Investors. Please don't forget to subscribe to our podcast, and leave us a five-star review if you like what you hear!   The CPI is more closely watched by average Americans, and it's been the one to show the highest level of inflation. But according to an analysis in the Wall Street Journal, as inflation subsides, it could drop below the PCE, making it difficult for the Fed to explain rate hikes based on the PCE. (1)   Difference Between the CPI and the PCE Indexes   Economists are betting that the CPI will fall to 2.6% in October while the PCE will drop to about 2.8%. Barclays inflation expert, Michael Pond, says: “That will leave market participants looking at low inflation while the Fed looks at a measure that tells them they need to continue to be quite hawkish.”    The two indexes perform differently because they place different amounts of emphasis on various components of the economy. For example, housing makes up 33% of the CPI which is more than twice the size of the housing component in the PCE. Shelter inflation is rising about 8% per year right now in both indexes, so the strength in housing in pushing the CPI higher. As the Journal reports, it contributed 2.5 percentage points to the CPI's January reading of 6.4% while it only contributed 1.2 percentage points to the PCE's January report.   Piper Sandler economist Jake Oubina expected CPI shelter inflation to fall from 8.1% in March to 5.5% in December. If that happens it will weigh more heavily on the CPI, bringing the total amount of inflation down by a larger percentage than the PCE.    Economists also believe that medical care costs will play a role in this disconnect between the CPI and PCE. Those costs are expected to rise this year. They make up 16% of the PCE and just under 7% of the CPI. If they do go higher, that will put more pressure on the PCE than it does on the CPI.    There's also concern that energy costs will help invert these two indicators because they make up 6.9% of the CPI and just 4% of the PCE. If energy costs keep falling, that will exert more deflationary pressure on the CPI.    CPI Could Drop Lower than the PCE   City economist Veronica Clark told the Journal that a combination of the factors could bring the CPI down to 3.2% by June while the PCE is closer to 3.6%. She expects the gap to be even bigger for core inflation. She says: “For the Fed, the message could be kind of tricky. They target PCE, technically, so as long as the PCE remains high, they can't declare victory.”    You'll find a link to the Wall Street Journal article in the show notes at newsforinvestors.com. We also invite you to become a RealWealth member. It's free and will give you full access to all our real estate data and resources, including property tours in several markets over the next few months. You'll find information on those tours inside the Realty Portal on our website. I would also like to remind everyone to please subscribe to the podcast if you haven't done so already and leave a review!   Thanks for listening, Kathy Fettke   Links:   1 -  https://www.wsj.com/articles/fed-might-be-winning-inflation-fight-depending-on-index-used-56d3e31b?mod=pls_whats_news_us_business_f

"Inspire until I expire." That's what you will hear him say on his Tic-Tok videos both in and out of the gym. Of course, it will be followed by "Let CENTCOM say 'AMEN!" Born Michael Barnes, Chaplain Col. Khallid Shabazz grew up in a devout Lutheran home in Alexandria, LA "I loved everything about the church," he says. "But there were no men." As a fatherless child without brothers or uncles, he ached for male role models. The only man who played a significant role in his young life was the family friend who molested him when he was 10. "That's when my story starts," he says. Filled with shame and self-loathing, Col. Shabazz nearly failed out of high school. He says he squeaked into Jarvis Christian University in Hawkins, TX. Still, I hadn't dealt with what happened to me," he recalls, and he spent his college years picking fights and drinking himself to sleep. He says it was only a matter of time before his reckless bullying led to that bullet in his back. #khaledshabaaz | #YouveGotMettle | #martschink | #muslim | #takingcareofsoldiers | #army #armychaplain | #Courage | #mindsetmatters | #servantleader | #blackcommunity I#HBCU| #blackmenoftiktok CH Shabazz Contact Information LinkedIn: https://www.linkedin.com/in/chaplain-. TikTok: https://www.tiktok.com/discover/khallid -shabazz-army The Mettle of Honor is sponsored by Acuity Benefit Consulting. Acuity Benefit Consulting contact information is as follows: Email: ray@acuitybenefitconsulting.com Linkedin: https://www.linkedin.com/in/ray-hahn/. Wall Street Journal Article httos://www.wsj.com/articles/ chaplain.. Army's Highest Ranking Muslim Chaplain - His Calling Came After Years of Turmoil | By Sean Kimmons - Army News Service October 5, 2018 | https://www.army.mil/ article/211553/ | YouTube Channel episode: https://youtu.be/5xTu22apRW8 --- Send in a voice message: https://anchor.fm/mettle-of-honor/message Support this podcast: https://anchor.fm/mettle-of-honor/support

Recent tech advances along with the addition of monthly subscription packages have allowed the car wash industry to become a hot bed for investor's interest. Investors are now paying as much as 18 – 20 times EBITDA to acquire these recession resistant cash cows. Join us in this week's episode as Dave Zook discusses how car washes performed better than any other asset class during 2020 and how you can take advantage of the opportunities found in this little-known niche.   Resources: Dave- https://www.therealassetinvestor.com/ info@therealassetinvestor.com Wall Street Journal Article - https://www.therealassetinvestor.com/wp-content/uploads/2022/08/Private-Equity-Wants-to-Wash-Your-Car-WSJ.pdf Infinite Wealth: Subscribe to our podcast at https://infinitewealthconsultants.com/podcast/ Schedule your 15-minute call with Anthony or Cameron here: http://bit.y/iwc15podcast We use affiliate links. If you decide to buy something, we may receive compensation from those companies. Check our online course at www.InfiniteWealthCourse.com Buy Becoming Your Own Banker by R. Nelson Nash http://bit.ly/BYOBbookIWC 

On today's episode of Great Points, Matt reviews a  Wall Street Journal Article that says "on average most people want to have $1.25 million dollars when they retire."

Another solo podcast episode! This time I'm livid about a paint commercial! You might have seen the uproar online about an ad for paint that aired in the UK all over social media. It was supposed to be a lighthearted story about a couple painting a nursery, but it quickly turned into a story about how childfree women are constantly told that they don't know what they really want. You can also watch this episode on YouTube: Here's a link for the ad:And here's a link to the article I mentioned. Here's a link to the Wall Street Journal Article. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thespinsterlife.substack.com

Here, Scott Becker shares some thoughts on a Wall Street Journal article “Buyout Firms Seek $1 Trillion of New Funding Even as Markets Drop and Deal-Making Dries Up”.

Here, Scott Becker shares some thoughts on a Wall Street Journal article “Buyout Firms Seek $1 Trillion of New Funding Even as Markets Drop and Deal-Making Dries Up”.

Here, Scott Becker shares some thoughts on a Wall Street Journal article “Buyout Firms Seek $1 Trillion of New Funding Even as Markets Drop and Deal-Making Dries Up”.

Here, Scott Becker shares some thoughts on a Wall Street Journal article “Buyout Firms Seek $1 Trillion of New Funding Even as Markets Drop and Deal-Making Dries Up”.

Here, Scott Becker shares some thoughts on a Wall Street Journal article “Buyout Firms Seek $1 Trillion of New Funding Even as Markets Drop and Deal-Making Dries Up”.

Here, Scott Becker shares some thoughts on a Wall Street Journal article “Buyout Firms Seek $1 Trillion of New Funding Even as Markets Drop and Deal-Making Dries Up”.

Here, Scott Becker shares some thoughts on a Wall Street Journal article “Buyout Firms Seek $1 Trillion of New Funding Even as Markets Drop and Deal-Making Dries Up”.

Here, Scott Becker shares some thoughts on a Wall Street Journal article “Buyout Firms Seek $1 Trillion of New Funding Even as Markets Drop and Deal-Making Dries Up”.

Here, Scott Becker shares some thoughts on a Wall Street Journal article “Buyout Firms Seek $1 Trillion of New Funding Even as Markets Drop and Deal-Making Dries Up”.

Here, Scott Becker shares some thoughts on a Wall Street Journal article “Buyout Firms Seek $1 Trillion of New Funding Even as Markets Drop and Deal-Making Dries Up”.

Vince McMahon Gave $12 MILLION in HUSH MONEY to Women Per Wall Street Journal Article on WWE CEO! #drinkjavy Get your supply of Javy Coffee here today: https://bit.ly/3B7iUMn My Patriots Supply! Click Here: http://www.preparewithblackandwhite.com/ Get 25% off! We Are The Number 1 Conservative Sports News Entity In The USA on YOUTUBE! Make Sure You Subscribe on Podcast & YouTube! Make Sure You Subscribe on Podcast! Available on Google Podcast, Spotify, Castbox, Apple Podcasts (ITunes): https://anchor.fm/blackandwhitesports Become a Paid Subscriber: https://anchor.fm/blackandwhitesports/subscribe The podcast is all about the world of sports news, sports reactions, and the games.

You would think you know the answer to this question: Should I rent or should I buy a home in 2022. It's not as easy as it looks so let's dive into some data and look at the short-term and the long-term effects of buying and renting a home in this current real estate market.  In short, if you are looking to buy a home make sure you know that. you have to stay in for. a few years in order to make good equity on it. If you're looking for a quick equity play then it's probably best to rent in 2022 and 2023.  I have 1 new article from the Wall Street Journal and one I used 2 weeks ago that you will love that breaks down renting and buying and how this affects the real estate market. Wall Street Journal Article on renting or buying:  https://www.wsj.com/articles/is-it-better-to-rent-or-buy-what-to-do-in-a-hot-housing-market-11652312186 An older article on Rent/Price ratio and the housing market for 2022: https://fortune.com/2022/04/14/us-housing-market-real-estate-crash-prediction-metric/?utm_source=pocket_mylist Some popular questions about Real Estate in 2022 The Real Estate Market is going to crash? No What does the research say about the housing market? It's not going to crash Will inflation affect the real estate market? Yes, it will, but as long as interest rates remain lower it will not crash the market.  Is it a good time to buy real estate? Yes, don't base your purchasing on fear, if you need to buy go ahead and buy a home and do your homework. Home prices still rise in cycles and real estate has always been a long-term play. It's no different with real estate in 2022. Is it a good time to sell a home in real estate? Yes, some economists indicate that this year will be the height of the market for home prices. #Housingcrash#Housingbubble#RealEstateMarket#RealEstate2022#TristanAhumada#RealEstateCrash

Alessi Allaman is a Podcaster and Documentary Staffer. He traveled to Brazil last summer with renowned UFOlogist and Director, James Fox, to film an upcoming Documentary on the 1996 Varginha UFO Incident. The film will be a follow-up to Fox's 2020 feature, “The Phenomenon.” Alessi also hosts a podcast called “The Social League.” ***TIMESTAMPS*** 0:00 - Intro; The Rajneesh Movement Cult; The Stories behind its leader, Osho; The cult that was the rise of Nazi Germany in the 1920s and 1920s; Philip Zimbardo and The Stanford Prison Experiment 35:26 - The psychological effects of method acting; Heath Ledger & Method acting with the Joker; The story behind who Heath modeled the Joker after; How the human mind is susceptible to cults and power; The Cancel Culture Cult; “Meaning and Purpose” are behind Cancel Culture's origins; Alessi is worried about certain effects of the Metaverse 1:05:21 - The psychology behind our bias in believing who people are; Julian talks about how a recent political conspiracy group got psychologically tricked; Love masks differences that can cause problems later; The double edged sword of being direct with your significant other 1:25:17 - The Sex & Friends conundrum; Why people want to get married less these days; Alessi and Julian joke about when relationships fail 1:49:19 - How Alessi got involved in James Fox's upcoming Varginha UFO Documentary; James “Jimmy” Fox's background tracking Aliens and UFOs; Julian begins grilling Alessi like a cheeseburger regarding the findings in Fox's previous documentary, “The Phenomenon” 2:08:24 - Varginha Alien Sighting Story # 1: Carlos Sosa; “Bad things happen to good people”; Sosa's reaction when he was taken back to the original site; Virginia Alien Sighting Story # 2: 3 Little Girls, A V-Shaped Foot, and Ammonia; The Men in Black?; The Wall Street Journal Article from 1996 on a mystery surrounding the sighting; Julian now grills Alessi like an overcooked Steak regarding further knowledge on the witnesses 2:32:51 - Varginha Alien Sighting Story # 3: The Military Driver (Eric Lopes) & Marco Cherese; “WHAT'S IN THE BOX?!?”; Remembering the greatest News Report of all time; The Mysterious Blackhawk Choppers; “How fast was this Alien running?”  2:56:19 - What happened to Marco Cherese?: Eric Lopes almost murdered James Fox in the face; Revisiting Commander David Fravor's sighting story; Aliens and the meaning of life; Why James Fox thinks aliens could be a great unification opportunity; The heaviness of an alien conspiracy if true ~ YouTube EPISODES & CLIPS: https://www.youtube.com/channel/UC0A-v_DL-h76F75xik8h03Q  ~ PRIVADO VPN FOR $4.99/Month: https://privadovpn.com/trendifier/#a_aid=Julian   Get $100 Off The Eight Sleep Pod Pro Mattress / Mattress Cover: https://eight-sleep.ioym.net/trendifier  Julian's Instagram: https://www.instagram.com/julianddorey  ~ Beat provided by: https://freebeats.io  Music Produced by White Hot

Learning Objective: Discuss the new proposition in California that could mean big changes for teachers. Mrs. B and Mrs. W talk about the very different weekends they both had. They then go on to discuss a new proposition in California which sparks and uninformed debate about teachers unions in general. ***SEND US YOUR TEACHING NIGHTMARES FOR OUR NEXT EPISODE*** Do you have a BS in Education? We want to hear from you. Email us at bsineducation2020@gmail.com, follow us on instagram @bsineducation. Prefer to talk instead give us a call at 234-73-TEACH. Wall Street Journal Article

Facebook says “Nuh-Uh” to the Wall Street Journal article citing that Instagram is toxic to teenage girls, Microsoft did a study on the Hybrid work overload, A man gets 12 years prison for injecting Malware into AT&T phones, SpaceX is exiting Beta in Oct 2021, Germany is very concerned what electric cars will do to jobs in the automotive industry, and Mich. Will construct a 1 mile stretch oh highway that will recharge your all electric vehicle

Ep. 93 – You are more that your student loans – though Filmmaker and writer Zack Morrison's loans became a topic for everyone after a viral Wall Street Journal Article interview went live. What have we gained from college? Was is all worth it? Where does it apply now… Zack has worked on a number of late-night shows and his own (hilarious) film work continues to rack up recognition - including a student Emmy award. We talk about the film making process and how to keep pushing forward in ‘the grid' while staying creative. - Wall Street Journal Article: https://www.wsj.com/articles/financially-hobbled-for-life-the-elite-masters-degrees-that-dont-pay-off-11625752773?mod=article_inline - Links to more Zack Morrison Website: https://www.zackmorrison.com/ Instagram: https://www.instagram.com/zackmorrison18/ - Directly support us through Patreon: https://www.patreon.com/FakingNotesPodcast Hang on Discord: https://discord.gg/ZVmA4xMcfu - Links to more Faking Notes here https://linktr.ee/FakingNotesPodcast ~rate us 5 stars and Mike Rowe will send you to trade school~

In this episode, we have a look at the 6 Concepts You Should Know to be Financially Literate (from an excellent recent Wall Street Journal Article) and the results of an overly-specific, non-scientifically conducted focus group on the subject. Link to the article: https://www.wsj.com/articles/the-6-concepts-you-should-know-to-be-financially-literate-11628251202 ... Can we ask a small favor of you? Please, consider making even a small donation to your local causes that fight hunger. A Hundred Words recommendss the Food Dignity Movement, Meals on Wheels, and also our local Back Mountain Food Pantry as well as the Al Beech Food Pantry, please, pick a cause to reduce suffering caused by hunger, thank you!

  In this episode, I review a Wall Street Journal Article by Patrick Johnson discussing the prospects for the four day work week and reviewing the history of such experiments. And, of course, I add a bit of my own commentary. You can read the article, Is a Four-Day Week the Future of Work? here: https://www.wsj.com/articles/is-a-four-day-week-the-future-of-work-11627704011?st=ai4emfbdwqoywzz&mod=pktemail8 If you enjoyed this episode, please consider subscribing and tell others who might benefit from this podcast. I would like to hear from you. You can leave a comment below.  I would like to hear if this was useful. Contact me on Twitter or Gettr @daringerdes or leave a video message: https://flipgrid.com/leadersmith  Join our FACEBOOK COMMUNITY and continue the discussion there: https://www.facebook.com/groups/learnleadership/   or Join our LinkedIn community: https://www.linkedin.com/groups/13966891/  

Mike continues his discussion of a recent Wall Street Journal Article asking if you are emotionally ready for retirement. Some more questions to ask yourself: Would I like to go part time or should I just quit “cold turkey”? Do I have things to fill my time like hobbies or volunteering? Do I have friends […]

In this episode we dive into the psychology behind the sharp pullback our sector has seen and we ask - what are cannabis investors so afraid of? Agenda: - Common Retail Mistakes that we see taking place - The Momentum Trade dying down and what this means - New York Legalizes! What this means for the industry - SAFE and Legalization Talks - GTI and the Crisis of Confidence - What we were scared of in the past (and what's changed) - What are retail investors really afraid of? Ascend Wellness S1: https://sec.report/Document/0001628280-21-005806/ Wall Street Journal Article on Retail Investors Retreating: https://www.wsj.com/articles/individual-investors-retreat-from-markets-after-show-stopping-start-to-2021-11617528781

Wall Street Journal Article: https://www.wsj.com/articles/how-to-win-the-war-against-clutter-11610481466?st=w4r[…]d=IwAR0U2aPzxhIGMTvJulo4tpgHzQmPyvf9F-aSdLEvisshp55JP6BaLe3lOEkwebsite: http://prioritizeyoursanity.com    Instagram for Jes Marcy: insta: @prioritize_your_sanity or find her on FB: @jesmarcyJoin our free community: http://www.blessedmommabossesgroup.comReady to scale your business to 6 figures and beyond? Join our Network Marketing Accelerator course: http://www.networkmarketingaccelerate.comWant to learn more about Blessed Momma Bosses? Check us out at www.blessedmommabosses.comLeave us a review or quote and be featured on our podcast shout outs!Follow us on Instagram: @blessedmommabosses_

Falling in love with reading and writing is a conscious effort that you have to make every day. Arman shows the ropes of it by sharing some hacks on how to read effectively and how to transfer that into your writing and later into your speaking. Today’s episode is packed with how-tos of effective speaking, by emphasizing the importance of reading and writing. You’ll also find how to transfer these skills into your argument. Show notes:(0:24) Intro: Arman opens the episode with a life-hack on how to become a better public speaker for today’s topic.(2:14) What’s the answer to becoming a better public speaker? Why and how to approach it?(3:11) Arman shares how he became an effective speaker.(4:11) How to fall in love with writing?(4:34) Arman gives out a few hacks on how to read effectively and reflect it in writing.(4:34) Hack 1 - To notice the words you’re reading (5:11) Hack 2 - Notice how people structure their sentences and understand different levels of punctuation.(6:38) Hack 3 - Write proper full sentences(6:57) Hack 4 - Use the new words you learned in your writing(7:15) Hack 5 - learn how to craft an argumentative essay and let it translate to your speaking (6:22) One of the causes of inefficient speaking. (8:26) How to translate the skill of argumentative writing into your speaking?(9:28) Layout a general direction you’re going in your argument by starting with a macro(12:10) A formula to capture someone’s attention while teaching.(12:50) Closing thoughtsResources/Links:Mention of The Wall Street Journal Article on things to read in 9 minutes For more reading suggestions see what Arman loves to read! Flow with Arman Assadi - 43. Reading: An Analysis on the Power and Transformative Benefits Mention of punctuations Hyphens and Dashes—The Long and the Short of It Article on crafting arguments for effective public speaking Subscribe to Arman Assadi’s YouTube channel To receive a FREE GIFT, send Arman a text message #flowkit at 619-825-2595 and get access to a pdf of Arman’s all-time favorite life hacks, resources, and books. ***If you enjoy the show please subscribe and leave a short 17-second review on Apple Podcasts here. It means a lot to me and really supports the podcast. Text me directly at 619-825-2595Follow and chat with me on: Instagram FacebookTwitterTo work with me: armanassadi.com/consulting

Call her Dr. Jill Biden!Wall Street Journal Article: https://www.wsj.com/articles/is-there-a-doctor-in-the-white-house-not-if-you-need-an-m-d-11607727380Check out our favorite "The Audacity" t-shirt from Black owned business--Greenwood Dist.--its message supports all women (and women educators--they also have cool Kamala Harris merch.) Click here to view and use our code "educate" for 10% off your order.Click here for "I'm Speaking" t-shirt from the same Black owned company, use our code "educate" for 10% off (our personal fav)Our instagram: @RedPenReportOur website: https://redpenpodcast.wixsite.com/redpenOur email: redpenpodcast@gmail.com

This past week in privacy law saw several unexpected developments. When this podcast started back in January, the intention was to record a series of conversations between K Royal and Paul Breitbarth with an occasional guest or recorded conference panel discussion. They would discuss what had happened in a week, place privacy and data protection developments around the world in context and provide insights based on their experience… And then COVID-19 happened, the podcast quickly became popular and guests became ubiquitous. On this episode, Paul and K return to their roots of covering privacy news and developments, because so much happened this past week or so. We’re in the middle of a privacy zone, with laws being lobbed all round us, guidance coming at us from all directions, and opinions shooting left and right - it’s like privacy officers need hazard pay. So much has happened in recent days, that we decided to just have the one-on-one conversation this week. You will hear about new European Data Protection Board (EDPB) guidance, next steps in the Schrems case and the fall-out from the Privacy Shield annulment, as well as on the latest actions from Brazil. Join us to catch up on the latest developments and to put them in context of current events.ResourcesRegister for TrustArc’s webinar on LGPD https://info.trustarc.com/WB-2020-09-16-LGPD_RegPage.html Wall Street Journal Article on DPC Ireland v. Facebookhttps://www.wsj.com/articles/ireland-to-order-facebook-to-stop-sending-user-data-to-u-s-11599671980Facebook Response to the DPC Ireland preliminary orderhttps://about.fb.com/news/2020/09/securing-the-long-term-stability-of-cross-border-data-flows/ NOYB Response to the DPC Ireland preliminary orderhttps://noyb.eu/en/dpc-actually-stopping-facebooks-eu-us-data-transfers-maybe-half-way EDPB Draft Guidelines on Controller/Processor https://edpb.europa.eu/our-work-tools/public-consultations-art-704/2020/guidelines-072020-concepts-controller-and-processor_en EDPB Draft Guidelines on Targeting Social Media Users https://edpb.europa.eu/our-work-tools/public-consultations-art-704/2020/guidelines-082020-targeting-social-media-users_en Brazil LGPD Legislative Trackerhttps://www.congressonacional.leg.br/materias/medidas-provisorias/-/mpv/141753TrustArc LGPD Bloghttps://trustarc.com/blog/2020/09/03/the-brazilian-lgpd-is-here-almost/ TrustArc Schrems-II Bloghttps://trustarc.com/blog/2020/09/09/schrems-ii-where-are-we-now/ Social MediaTwitter: @privacypodcast, @EuroPaulB, @heartofprivacy, @trustarc, Instagram @seriousprivacy

It is like waiting for the other shoe to drop. I enjoy the rest period, but I’d just assume we’d all get instant enlightenment and be done with it.    Since that isn’t going to happen, I do have actionable resources for you to help get a grip on your symptoms and your condition.  If you need support contact the National Suicide Prevention Lifeline at 1-800-273-8255, the Trevor Project at 1-866-488-7386 or text “START” to 741-741. Resources Mentioned:  National Public Radio report about how All Women Should Be Screened For Anxiety Disorders.   Screening for Anxiety in Adolescent and Adult Women: A Recommendation From the Women's Preventive Services Initiative   KevinMD post about We need improved mental health care for physicians.   Brightside is a remote treatment service for people with depression and anxiety. The FAQ page on where the service is currently authorized to offer services.    Main website of Overdrive.com; you will need to have a library card from your library system to access the collection of books, audiobooks and other on-line materials.   Journaling.com post about Unleashing the Power of Expressive Writing, with Dr. James Pennebaker   I'm planting this for the next wave, there are website that have resources for people who are anxiously concerned about Corvid-19. This is site that on the Shine network website called https://www.virusanxiety.com/take-care  Wall Street Journal Article on Expressive Writing - please note that the WSJ has a firewall for non-subscribers. However, if you have access to an academic or library account reading the article is not impossible.   Disclaimer:  Links to other sites are provided for information purposes only and do not constitute endorsements.  Always seek the advice of a qualified health provider with questions you may have regarding a medical or mental health disorder. This blog and podcast is intended for informational and educational purposes only. Nothing in this program is intended to be a substitute for professional psychological, psychiatric or medical advice, diagnosis, or treatment.

The discussion about General Berger’s “Planning Guidance” to the Marine Corps gets more interesting by the day.  This Commentary deals with (1) what was NOT in the well respected Michael Gordon’s piece that ran in the Wall Street Journal last week entitled: “Marines Plan to Retool to Meet China Threat – Most sweeping transformation in […]

Nick's reaction to a Wall Street Journal Article published on 25Dec2019 about clinical trials and the drug development process. -You can support our show by becoming a Patreon member at patreon.com/justnascience - your support helps keep our show ad-free. -Our website is www.justnascience.com You can email us questions and topics for future episodes at justnapodcast@gmail.com -Find us on social: @justnascience for Twitter, Instagram, and Facebook -We put out new episodes every Tuesday! --- Support this podcast: https://anchor.fm/justnascience/support

John Stonestreet and Shane Morris discuss a recent Wall Street Journal Article that encouraged atheist parents to lie to their kids about the existence of God and the afterlife—in other words, kids need to believe, otherwise, they can't handle the fear of death. But as John and Shane point out, how do adult atheists cope with life's difficulties and eventual termination with a worldview that gives them no tools with which to do so. They also discuss President Trump's executive order to curb anti-Semitism on America's college campuses. Where does this evil ideology come from? How is it so persistent, even after the Holocaust? What are the distinctions between religious anti-Semitism and racial anti-Semitism. So many questions, so little time. Finally, John and Shane debate the proper role of government in controlling the societal scourge of pornography. While John  and Shane see eye to eye on the evils of pornography (sexual trafficking, misogyny, violence, addiction),  Shane takes a more libertarian view of the matter, while John tends to take a more socially conservative view. It's a can of worms, as John says, but it's also an important discussion.

You might be thinking about how you can improve the safety culture at your workplace, but from the start MEMIC had to change the workplace culture of an entire state. MEMIC President and CEO Michael Bourque says that MEMIC was born out of crisis. In the late 80s and early 90s Maine had a terrible safety culture and increasing levels of legal conflict making it the most expensive place in the country to do business. The economy suffered and insurance companies were fleeing the state. Finally, workers’ compensation reforms were made in 1992 and Maine Employers Mutual Insurance Company (MEMIC) was created. Now with 8 offices across the Eastern Seaboard, MEMIC shares its workers’ compensation and safety expertise with policyholders across the country. Pete Koch: Hello, listeners. And welcome to the MEMIC Safety Experts podcast. I'm your host, Peter Koch. Join me and my guests every two weeks to discover new nuggets and insights while we discuss safety as it relates to us humans. Ever wonder what drives a company or even a state to change its workplace safety culture? Sometimes it takes a serious event or a series of events for leaders to recognize that change is necessary. And even then, real sustainable change is sometimes only born out of crisis. And it was in the crucible of the Maine workers' compensation crisis of the 1980s and 1990s. That MEMIC was formed. In today's episode, I'll be speaking with Michael Bourque, president and CEO of MEMIC, to get a better understanding of how a small Maine based workers' compensation insurance provider has changed the safety culture in Maine. Mike has a great big-picture perspective on workplace culture behavior and what it takes to make safety an essential part of the success of any business. Michael, welcome to the podcast. And before we dig in, can you tell me a little bit about yourself and how you came to your position as president and CEO of MEMIC?   Mike Bourque: Sure, I'd be happy to. And thank you much for having me. I'm excited about the podcast and where we're gonna go with it. I think it's a great.  It'll be a great resource for all kinds of people. And I'll look forward to listening to it, but not to this one, because I think I'll probably understand what happened here. So, I have worked at MEMIC for, I'm in my 25th year I came in 1995 to the company. I've been the president and CEO since September of 2017, but I originally arrived back in 1995 as a Communications Specialist. I had had experience as a newspaper reporter. Degree in journalism worked in daily newspapers in Maine and Alaska and then left Maine to go to Washington, D.C. and work for a trade association there as a PR communications person. When I was coming back to Maine. Moving back to Portland, I was looking for a job, really. I didn't know any, I didn't really even know what worker's compensation was. Certainly, didn't know what a worker’s compensation insurance company did. I didn't think a lot about safety and workplace safety at all in those in those years. And I arrived here and got a job as a communications specialist and worked in the communications area for years as a manager and a director and then took on the government relations side. So I would find myself often describing and presenting the company to people. And I think that provided me sort of a broad range, broad understanding of what happens throughout the organization, because my job was sort of to be a translator to translate for people outside of the company what the heck we do inside of a workers’ compensation company. And then actually on the other, the other way to translate for people inside what people outside make of what we do and how we do it. So, you know, workplace safety was part and parcel to the DNA of this organization. And so, I had an early chance to really learn that as somebody might who was just coming into the industry and learning about it. So I worked the last 17 years of his career for our founding CEO, and I always say that the way I learned was by keeping my reporter card to ask all the dumb questions, so I keep that to this day, actually it's very handy in this job. And it's great. You learn every day. And so that's been my career here so far.  Pete Koch: That's pretty neat. So, starting as a communications guy with no background in safety whatsoever to the president and CEO. And I imagine that you that your understanding of safety. I know for me personally, like when I came to MEMIC, I had some experience in safety and workplace safety. But when I started my career in hospitality, I had no concept of workplace safety. And now I know that's evolved for me substantially over the years. How did it evolve for you? Your understanding of what workplace safety was almost being here from the beginning and seeing that that concept of safety being implemented over the years and helping MEMIC and other companies be successful over the years? Mike Bourque: Yeah, it for me, it was it was entirely a learning experience. I mean, we all know sort of the basic of what does it mean to safety and safety mean and what is workplace safety mean. And the idea that if you prevented injuries, you'd maybe reduce the cost. That seemed like that was a sensible thing. But I sort of learned the levels of safety sort of as we advance as an organization. I think we started really focusing on what are known as controls and engineering controls. How do you change either something about the work or something about how you do the work to reduce the risk and whether that's adding machine guards or getting a better machine or performing sort of early ergonomic review to make sure that how you work with something that makes sense to lifting all sorts of simple things like that to something that was much deeper, sort of cultural and behavioral things that change culture and behavior. And we were very into pretty early on at MEMIC that we were going to be changing the culture of Maine and toward a safer one in the workplaces. And Maine needed it.   Pete Koch: Yeah. It seemed that it did. If as I go back and look at the history of MEMIC and the history of workers comp and MEMIC, we needed not just an insurance company, but we needed someone to come in and help really rebuild our work comp industry and then help the business groups here actually be safer because we were it, was a pretty scary place in the early, late 80s, early 90s, not just from a cost perspective, but we had a lot of challenging jobs, a lot of dangerous jobs. And that showed up in the workers comp statistics.   Mike Bourque: Yeah.   Pete Koch: Can you talk a little bit about some of the early problems that MEMIC saw, and why MEMIC was created overall?   Mike Bourque: Sure. Yeah. Maine had among the highest injury rates in the country. It was the most expensive in the country for workers compensation. Those things tend to go together. We had a lot of old-line manufacturing we had an aging workforce. There wasn't enough investment in some of our industries. And so, you had, you know, really some old machines that were working in many of these places. And so, it got to a point in Maine that insurers refused to do business here because it was so expensive, and they couldn't accurately predict what their losses would be. And so, they began to pull out of the state. It's a mandatory line of insurance. And so, you really had what was a crisis in Maine, a handful of insurers who would insure only a few of the very best companies. And everybody else was in a pool that was known as a residual market pool. And there was sort of no incentive to be safe within that other than to take care of your people, which you'd think would be enough. But it wasn't there wasn't a financial incentive for employers. And so, you know, the state really was in a bad place. And ultimately, the governor in the early 90s, a guy named John McKernan, told the state legislature that, look, this worker's comp issue is too big of a problem. He had business owners coming to him from around the state, sitting in his office and explaining how high the costs were and how they couldn't seem to make a dent in them no matter what they did. And so, he told the legislature, I'm not going to sign this year's budget this year state two-year budget until you bring me workers compensation reform that we can agree on. And ultimately, they didn't they sort of called his bluff and he did refuse to sign the budget became nationwide news. It was on the front page of The Wall Street Journal. Maine's government shut down for a total of 17 days. There were dueling protests at the statehouse in Augusta state workers who were demanding that the budget be signed that, they weren't getting paid. They were on furlough during that period of time. And then businesspeople saying we really need to fix this worker's comp problem. And so, they finally came up with a compromise. They established like any good legislation; they established a commission to go to do the real work for them. But they agreed that they would vote on the entire package of the issue and work on it. And they appointed some really smart people who had experience and went out, looked at some other states and looked at experiences they had. And they came back with three major suggestions. The first was they made the benefits in the state for workers compensation the national average. They didn't want to be the highest. They didn't want to be the lowest. They wanted to be at the average. And Maine was sort of an up and down in various parts of its benefits structure at the time. They created a dispute resolution system within the state, which didn't rely on expensive lawyers, which the old system had and which tried to get people to mediate a dispute before they went into a sort of a court proceeding. And they establish that administratively, which was important. But thirdly, and most importantly, certainly from my perspective and I think your perspective, but I think really the state's perspective, they created caused the creation. I don't say they created because they caused it. They said it would happen. The employers had to then make it happen later. But they caused the creation of a company to be known a mutual insurance company, to be the guaranteed market in Maine, to be known as Maine Employers Mutual Insurance Company or MEMIC. And that company was established on November 13, 1992 was the date of our incorporation. And the governor at the time appointed 12 businesspeople to be members of the board of directors, the board of incorporators. And their job was to start an insurance company within the next 45 days, which they did. And you might guess that something like that that is as complex as a worker's compensation insurance company that started 45 days might not be the best organization, but because they started from a place, I think, of wanting to solve a big, big problem. And they had experience with what those problems were. They kept a focus on that. And so that was how they how they set out.   Pete Koch: So, in the creation of MEMIC what was the mission? I mean, what every business has to have a mission in order for them to be that people look at their decisions and know that they're moving in the right direction. So, what was it founded on?   Mike Bourque: The most important thing to the board of directors of MEMIC and remains so to this day was workplace safety, which is interesting because, you know, it isn't necessarily usually the first step of an insurer. But they set out in the mission statement of the company that workplace safety training services are mentioned long before it ever mentioned insurance. And so, they made it very clear from the very beginning that they thought that prevention of injury was going to be the way that we were going to be able to resolve the problems that Maine had in workers comp. And so, to that end. In addition to the mission, they also established an independent department, our Loss Control and Safety Department, and hired professionals within it to offer workplace safety training services alongside the insurance. And there'd be many companies that might have a loss control department or a section that might report to underwriting or any claims or even the policyholder services side. But to have it be an independent department and to say workplace safety is important regardless of cost. So cost is important. And that's what we do. We try to help employees drive down the costs. But there's a cost that's more than financial. When you talk about workplace safety and owning that sort of moral ground and feeling that importance was really that is our mission. And that's something that I think excites the people who work here, whether they work in safety or not every day and they have a part in it, no matter what. But those are things that really were established from the beginning. And give us a sense of this mission that was an important moral right.   Pete Koch: I think it really takes the perspective of safety from safety is expensive to safety is essential. As part of that mission, going out and looking at new business or looking at existing businesses and trying to help them, it's not just these are your risks. This is what it's going to cost you. You've got a claims department back there to back you up, which are all critical parts to making the insurance piece work. But without establishing a way to get ahead of the injury curve to make the business better on the other end, you know, it's not a successful puzzle to put together. There's gonna be a missing piece there.   Mike Bourque: That's right. I think we you know, we discovered we knew that. I think people knew that who came to work here early on. But it was a matter of sort of changing the cultural norm in the state around what it meant to do workplace safety and so starting from those engineering controls and you know, one of the early things that we did and it was sort of I think an indicator of that we were going to be maybe successful at this effort was to establish a public service campaign that was called the Partnership for Workplace Safety.   Pete Koch: That's right.   Mike Bourque: And we spent a fair amount of money. And there were some people there's some people who were a little concerned about that. But getting messages out into the public, to workers and employers alike, saying workplace safety is everybody's business, it's everybody's job. And the only way we're going to really tackle our problems in this state related to the cost, related to the carnage would be if everybody took some ownership of that. And so, we created this, we basically said employers and employees working together said that line over and over again and I think helped to see that. So that sort of resonate with people and understand that this was about more than more just than the dollars. There was a cultural change that needed to happen. And having mom or dad come home the way they left in the morning was very, very important thing.   Pete Koch: I see that when I go to businesses, those businesses that are most successful, there is a true partnership between the management team and the employees to get the job done, not just from a qualitative standpoint or within my budget and timeframe, but safely. And those companies that have that open communication, that true partnership between the people who are doing the work and the people who are getting the work for the people to do, that there is dialogue back and forth. There is support for initiatives that employees are trying to take in order to make that job not only maybe easier, but safer to do. And that partnership is truly essential, has to be part of the culture. And I think it would be hard for an insurance company to hire a bunch of safety people in order to make that connection happen at a workplace, to go to a workplace that might not have that partnership. More of that traditional management employee relationship or not a relationship and have your traditional safety person go in and try to try to culture that there. How did MEMIC get around that? Who did they hire to help make that safety process work, make safety essential, that partnership essential?   Mike Bourque: It was an important aspect in the development of the company and development of that safety and Loss Control department to hire, not insurance people with clipboards, but to hire people who actually worked in the industries where they were going to be going into the field and working with employees. We always say they come from the industries they now serve. And the idea was you had people that one knew the work. But the other side of it was they had credibility with the employees and the business owners or the supervisors in a place. If you showed up, you know, in your in your tie in some cases with a clipboard, you look like an insurance guy. And we hired people from the construction industry who knew construction from manufacturing floors, who knew manufacturing and manufacturing safety. And they could also communicate, by the way, which was a hugely important aspect, health care, same thing. And so, we found some really top flight people and they had challenging jobs. But early on, they really helped set the tone for the kind of work that we were going to do. And that's made a huge difference. It's made us. It set us apart from certainly other insurers and helped driven the success of the organization.   Pete Koch: I can speak to that specifically. I'll go back to a story prior to my coming to MEMIC the business that I worked at, we were insured by a mimic. So, we had a project. I was the risk manager there. We were doing some condo development and we were going to fly some trusses a couple of weeks. So, we had asked MEMIC if they had someone to come in and do some crane safety with us. So great. Yeah. We got this guy, Rod Stanley. He'll come in. He'll help do the training for you. He'll take your crew all the way through. We'll go through all the aspects of crane safety for you and your crew. Awesome. I'm excited. Risk manager got it going. And I'm trying to sell this to the departments, and we have construction guys. We've got concrete guys. You got a crane guy and they're like, who is this insurance guy that's going to tell us how I am going to run the crane? And then Rod comes in that day and it doesn't look like an insurance guy is right at their level, is able to communicate with them. He's able to relate to the stories that they tell and before the end of the class, so at the beginning of the class, it was the stoic arms crossed both feet on the floor, leaning back of the chair. Going you need to prove to me that you have credibility. By the end of the class, there was a lot of leaning in. There was leaning forward. There were questions. People came up to him afterwards and asked him a bunch of questions about, so what about this situation and how should this work and this guy's operating it this way? And what happens if we have to do that? And he had answers, which was pretty amazing for your insurance company to have that type of resource that totally sold me on having MEMIC as that partner, because there's not only a partnership between the employee and the employer, but in order to make this thing work, there should be a three way partnership between your insurance company. If there is an injury helping on the claims side to work on your rates, on the underwriting side and then from a prevention side from the safety side.   Mike Bourque: Yeah, it's a three-legged stool.  We often talk about that. You need claims, you need underwriting, but you need loss control. You need safety to be part of that. And that's part of the service that is being provided with the policy. And, you know, I can't imagine selling insurance and not doing that. That's what I've grown up in here in MEMIC. And that's how we do it. It doesn't make sense to me that you wouldn't add that aspect because, you know, we've been able to do it as well as well as we have. I think, you know, we've seen these sort of really interesting-personality people come to join that department and it's always fun to go see what's going on in the Lost Control and Safety Department. Usually we've hired people who are very good communicators and know their field well. And most of the time they're not in an office. They are. Their job is to be out in the field and in peoples at work sites and visiting with people. And I always love to make contact with them to find out what they've what they've come across most recently. And I think they are they tend to be people with great curiosity and also great knowledge. And I think it's a great I think, you know, probably there was a time when having a visit from your safety loss control person from your insurance company would be something that would be dreaded. I think often while sometimes we have some tough messages delivered, delivered to people, I think often it's something that they really look forward to, that there's a resource that they have that they're going to be able to glean from and establish something that that'll help them get better, maybe more productive and safer at the same time.   Pete Koch: Yeah, for sure. That piece of having safety as a resource, seeing it as a resource instead of an extra thing that I have to do, ends up making it part of your culture, starts to make it part of your culture. When I'm not thinking about did, I check off the safety box today that I where my this today. It just becomes habit, which is a neat part about the people that work for MEMIC on the safety side there. You talked about all the personalities that work within that particular group. You know, you think about Andy Wood early on with the logging group and continuing on with the logging group and having significant impact over the years with not only the cost of workers comp, but the overall injury trend for workers comp on that side. He's been able to make a great impact just because of his knowledge in the field, his credibility in the field and the support that MEMIC has given him to do all those things.   Mike Bourque: Yeah, I think it's important. That's a that's a really important example of one of the ways that we started to see success tangibly occurring in the field within the logging industry. So that's obviously a traditional industry in Maine. You look at the state flag, there's a logger on one of the one of the two or a lover and a farmer. And so, you see that. And so it's a traditional industry. And people worked in it for years. And it seemed to be sort of just a given that, well, some people are gonna get seriously hurt because it's tough work.   Mike Bourque: And that was something that became unacceptable to us and lots of people in the industry. And so, one of the things early on we did in addition to hiring Andy and a team of people who really work. They'd go out into Maine's Northwoods and work directly with loggers and teach them things that they thought they probably already knew. We had one who spoke French at the time because they are French Canadian logging crews that were there. And I think Andy can speak some French actually himself when necessary. But we established a standard called the Certified Logging Professional and something called the Game of Logging, which really established safe methods for felling trees and dealing with the hazards in the woods. And required certification. And we were in a place where we could do that because there were deaths and paralysis cases occurring in the woods of Maine every single year. Terrible, terrible injuries in addition to being obviously very expensive. They were hugely either life ending or life changing, certainly to the people who experienced them. And so within a few short years after establishing that, there were no deaths and no paralysis cases for many years after that. Within the state, it changed the industry in some way. Sometimes mechanization had a little to do with that. But certainly the credibility of those guys who were out in the woods, who talked to old loggers who had been felling trees forever and said, there's nothing you can teach me, and then they'd watch Andy or one of the guys fell a tree on a dime, somewhere uphill, downhill, side hill, side lean, dealing with widow maker trees that are around. They saw that there was a different way to do the work and began to understand that they were putting themselves at risk and they really could be better. And so that was an example. You know, from the very beginning, we saw attention to something that had been thought to be just inherent. That's just an inherent risk. That's how it is. We didn't accept that. And the people we worked with didn't. And that's made all the difference.   Pete Koch: The logging examples a fascinating example, because the training and the certification that was done really originated from production. So, the principles that are taught for the certified professional logger are all about getting the wood in the pile and being productive. But the underlying principles for that are not only allow you to be faster, but it also allows you to be more accurate and it allows you to be safer. So, allows you more control over a standing piece of kinetic energy, basically, which is a tree. So, you've got to get it to go where you want it to go. And once I understand how it works. So, we're using principles for production that actually have a lot of underlying safety practices. And without those underlying controls to make production faster, you won't be as fast. And historically have showed that you've killed people and paralyzed people and injured people substantially. So that's a really interesting.   Mike Bourque: Yeah. It's a very good point. I mean, that safety can't be seen as something that it gets in the way of production. And that was the old way of thinking, I think within Maine within lots of industries. And that's been a principle, the principle that increasing improving safety leads to increasing and improving productivity is something that wasn't obvious to people right away. But over time in industry, after industry has come to be true and they've seen it seen it happen. And so, I think those of you who talked to people who have been in their industry for a long time and they will say, I didn't know it could be done, but it can. And we're doing it.   Pete Koch: Yeah. And moving that the thought from safety is expensive. And so many times when I go to an account that we've never had before, it could be in Maine, could be in a different state, could be a brand-new company. The discussion is always around safety is expensive. We've got to do these things. I have to put machine guards on. I have to hire new people. We have to do safety training. And once you get beyond that to show that there is truly a connection and that three-legged stool that you talked about before, that in order to balance your business for the long term, anybody can be successful. In the short term, I can have a super successful set of years, but I won't be able to replicate it if I don't know how I got there. And so, I might know how I did it financially. We might know how I did it from a qualitative standpoint. But if I don't get how I kept all my people saved through the program, through the production, through the years that we were successful, we won't be. So, moving from safety is expensive to safety is essential and is an essential part of any business out there. Let's take a quick break and we'll be back with Michael in a couple of minutes. Thanks.   Pete Koch: Welcome back. And today, we're talking with Michael Bourque, President and CEO at MEMIC. So, Mike, I wanted to jump back in with some more questions. And in the previous segment, we were talking a lot about how MEMIC brought safety to the forefront. And it was the mission that they used to help to fix the worker's comp situation in Maine.  Safety being an essential part of any business plan in order to be successful over the long term. So, we know now that we were successful because we can look back. Hindsight's always 20:20. But what were some indicators that MEMIC was on the right track? Like how did the leadership at MEMIC in those early days know that they were going in the right direction with putting an emphasis on safety and quality team or quality claims and quality underwriting?   Mike Bourque: At the beginning, it really happened pretty quickly, amazingly enough. We started and I started to see rates fall by a couple of years into the company. And so, Maine had the highest rates in the country in terms of workers compensation costs and those started to come down fairly precipitously. And another indicator was all of a sudden, the insurers who had refused to do business in Maine, had all turned in their licenses, by 1997 there were about 200 of them who were back willing to do business in the state again. So, it was very clear that they were seeing something in numbers that was indicative of a better environment. So, we saw that. But the number that that set it right away were the number of lost time injuries that were down. So, in 1992, the year before MEMIC came into existence in Maine, there were 19,200 lost-time injuries in the state.  By again that time 97, 98, it was down around 13,000. And those are just a raw number of claims that wasn't on a per worker basis. And that was at a time in the economy where we were coming out of the late 80s, early 90s, where there had been a low in the economy to a place where there were lots of jobs being added. So, you had fewer injuries on a larger job base. So, the rate of injury had fallen precipitously. We could we could certainly see that. And then the numbers in terms of costs were as well. We also saw that that message that we started to get out around the public service announcements that we did really was resonating, that people were paying attention and listening. And you'd see it on work sites. You'd see it my old boss would say whenever he went out someplace, somebody would see him and remember him from the ads, but then say, "Hey, look at this I'm working safely” whatever it might be. So that was that was an indication.   Pete Koch: That's cool. There is a connection, though, in order for those claims to go down. Or the injuries to go down, to realize that and have the other insurers look at say, oh, there's something good happening here in Maine. And pretty quickly.  It couldn't just happen because we were underwriting the right businesses or we were managing the claims because, yeah, you can manage claims costs, but you can only do so much. So really had to be the safety aspect of it that caused a majority of the success that was out there. So, there is a partnership. We talked about that partnership, the ad campaign, the getting business owners and employees to partner together for workplace safety, having a third partner of MEMIC as the resource of the insurance company. But what part did the safety consultants play in making sure that companies were working safely in the field?   Mike Bourque: Well, they were you know, there were assigned customers. They had a regular set of customers, and they do to this to this day. And they were out meeting with them regularly. Their job was not to be in an office anywhere, but to be out in the field in those places and seeing things change and happen and follow up. And so are using all kinds of best practices around managing projects and all of that. And to bring new information. And so, I think they became looked upon as a real resource for those employers. And they knew we were we were serious about it. This wasn't just a one-year thing. We weren't just going to show up, you know, at the beginning first six months and say, "Okay, we'll see how this goes and then we'll send you a bill after that." We were going to come back over and over again. And they did start to realize that. I think some who didn't get it early on said you were gonna see that guy Rod Stanley again, I guess. And so they started to really understand that this was a movement that really was something that was going to be lasting.   Pete Koch: That follow up, I think is key. Talk about, Rod Stanley go back to that training session. The last thing that he did before he left was say, Okay, so here's the action that we are expecting that needs to be taken in the field. Let's follow up in a week or during the project or after the project to see how you did. So, there is always that follow up, at least on my perspective. From my perspective, when I was working in the industry, that MEMIC would come back to that. And on the logging side of it, too, in order to maintain your certification, you had to have an evaluation in the field to assure that you were actually doing the or following the practices for the game, a logging in the certified logging professional. So, there is accountability built into the safety program because that key part of any partnership, in order to have a partnership, each partner has to own part of it. There has to be some accountability on that.   Mike Bourque: You know, it's I think it's interesting. One of the things that followed on a few years later from the Certified Logging Professional was something we know here is the CCP, the contractor certification. And it was a program that we put in place after some really serious falls had occurred around small homebuilders. So, these are one and two-story structures being built. And there were about 2000 of those organizations around the state of Maine, and they're notoriously independent. I mean, they were in charge of their site. They knew how to do it best. And they were tough nuts to crack, there's no question. They didn't need their insurance company interfering with what how they did and what they were doing. But we put in place some pretty strict standards and then followed up. We had to add the staff to do that and invested in it. And, you know, it's very interesting. Just this past year, I was at a St. Patrick's Day party actually on an island in Maine and a guy I knew to be an ornery old contractor. He actually was an ex professional football player, ambled up to me and he said, so you're the MEMIC guy. And I said, yeah, and he stuck out his hand. I want to thank you. We're a lot safer than we used to be. And you know what we thought we were doing, but we didn't. And to hear from this guy in particular, that to me is an example of the kind of thing that happened over and over again. And, you know, at the absolute, you know, sort of grass level, I mean, it was this was right down in the weeds. And we needed to do that. And it did. And there were some people who would have were a little nervous about sort of, you know, plucking that string. I think that we thought we would, and we did meet with some people who weren't going to join us in that effort. But by and large, we've had pretty good success in helping to make that happen.   Pete Koch: Yeah. That's a great story about the guy coming and saying "We're a lot safer than we used to be. We thought we knew, but we really didn't know", which is a lot about safety because how do you learn about safety? Chainsaws, right? So, logging everybody in Maine has used a chainsaw. We do logging, training or chainsaw training with occasional users now. So, since a lot of the logging in Maine now is mechanical. Most of the training that Andy is doing is for those occasional users. So, your property managers, your maintenance guys, your golf course people. So, we'll do some chainsaw safety training.  So, the first question that you always ask is, so who has operated chainsaw before?  Everybody raises their hand. So, who's had training before? Nobody raises their hand. Or somebody does and then you ask him. So, who trained him? And it's your grandfather or your father or... And great training, really, to be out in the woods with your dad, your grandfather in that tradition. But where is the safety coming from?   Pete Koch: How are you learning that? So, to be able to give a resource and at an expert level for the industries that we're going to insure is really key. I think that's important on every level. So a company that is doing a particular type of work, whether it be hospitality or construction or nursing or logging or whatever that is, there should be people that are not just experts in what they do, but experts in how what they do can affect them. So, I have an interesting story kind of along those same lines and that that interaction with that person. So, one of the first years that I was working for MEMIC, I was doing a confined space workshop for an account.  And we were in the field and we were at one of the spaces and we were learning how to use the gas meter. So, you put the meter in the hole, you take a reading of the levels of oxygen were and any flammable gases. And then it would tell you if it was safe to go in or not. And so, I got the meter down there. And I'm looking at the reading and I'm looking at it and I'm talking to the guy who does work in the hole. So, it's a relatively deep hole. It's about 15 feet and it's only about three and a half feet wide. And there's some valuing and steel parts at the bottom of the hole that he has to go in and adjust. And there's a flow meter that he has to read whenever there's water flowing through that space. So, he goes down there once a week or so does the reading. And I asked him, so how do you how do you feel when you go down there? Well, you know, when I go down there, sometimes when I come out, I got a really bad headache, or I feel nauseous and it takes me a while. But, you know, I get out and I breathe again for a while and I do good. And then I'm fine and I go on.  And I look at the meter reading and we were well below the livable oxygen level down there. So, if he had spent long enough down in that space, it might have been a different story. He might not have come back out. So, from that particular interaction and then being able to show him exactly what he was breathing down there, they changed what they did. So, they moved the flow meter from 15 feet in the hole to right at the surface. So, they engineered the problem out. But that was business as usual for them, which I think is a is an essential part of what MEMIC's safety people do as they make that connection in the workplace.   Mike Bourque: Yeah, it gives people a place to verbalize some of the challenges they may have. I mean, I think, you know, until you ask somebody, how do you feel about that? There may not be any reason. Well, it doesn't really matter, because I have to do it, doesn't it? Well, maybe it does matter. Maybe there is a way to fix it, to make it better.  And I think we part of what we've tried to do is create the sort of safe spaces for employer employee communication around that, because we know that's vital. And, you know, I think there's more and more space for that to happen now than before. Maybe the safety consultant stepped in, maybe as sort of the ambassador between the two to kind of hear both sides and just say, OK, let me connect you, because there's something here for both of you. And that's the win win.   Pete Koch: That's interesting. You bring that up. That's very much like you are talking about your communications job before interpreting what people on the inside we’re hearing from people on the outside and then vice versa. So that being able to be that that go between to say, "Okay, so I understand what management's saying. I understand what employees are doing." Let's bring those two together and make sure that we can do the job safely and productively and at a quality level that we can maintain over time.   Mike Bourque: And I think you obviously know this as well as anybody. But the truth is, there is a place there where those things overlap. That Venn diagram comes together and it's better for both. And ultimately helping them to realize that is the win for both sides.   Pete Koch: Yeah. We talk about this in our leadership, our safety leadership training. Where you talk about safety being first, safety being for safety being first as part of that three-legged stool or part of that triangle. So, safety, quality and productivity are all on that triangle. But when you think about each of those three things, productivity will flex. It will go up, it'll will go down. You'll have lean times. You'll have you'll have fat times. It'll be good. It looks bad. You'll have people, you won't have people. You'll have a lot of stuff to do. You won't have a lot of stuff to do.  On those times when productivity gets pushed pretty hard, like that small contractor who now all of a sudden has to make all of his money in the summertime. And in Maine, the summer might only be a few weeks sometimes. Or like right now, it's beautiful and it can extend for quite a while. However, they only have a short period time to do all the work. So, they're trying to get as much work as they possibly can, stuff it all into a short period time. So, productivity for them is pushed pretty hard. If you have safety that's robust, that's part of your culture, that it's incorporated into everything that you do. When I have to push productivity pretty hard and safety is what that upside down triangle now rests on, if you think about safety as the base of the triangle single point, but at the base and then productivity and quality on the other two points but are in the air.  If that's robust enough, you can push productivity pretty hard and that triangle won't fall over. But if it's just that little point and you've got to check a couple of boxes in order to make sure you're safe, as soon as you push productivity pretty hard, it's going to fall over and people get hurt and then all of a sudden you can't be productive anymore.   Mike Bourque: I think one of the things it does to the people are don't really fully understand or appreciate it, but it creates a it creates a structure around ability to do those other things and to do them well. And sort of whether it's a process and whether it's just it creates sort of the comparison you can make to go from, you know, sort of focus on productivity versus a focus on safety. But if you have sort of this built in culture and it's set for you, it's much easier to be able to do that, as you say. And it sort of stands up. But I think it also is just an easier, easier leap for people.   Pete Koch: So, let's talk a little bit more about those MEMIC safety experts and what role they played in the continued success of MEMIC.  So MEMIC has grown, we haven't just stayed as a regional or Maine-based insurance company. We're now ensuring all across the nation, really mostly on the East Coast and regionally, but all across the nation. So how has MEMIC's safety experts played into the success of that?   Mike Bourque: Yeah, happy to talk about that because it's really at the forefront. You know, by the late 1990s, we were hearing from people in other states who had sort of heard about the success that had occurred. Maine worst in the nation status to this huge improvement. It was being made more insurers wanting to come do business here and started to hear, "Gee, can you come do that for us?" And we actually developed a consulting firm for a time called MEMIC Safety Services. And we would go out and do safety work really across the country. And it didn't take much marketing to get attention in health care and manufacturing and ergonomics and all sorts of places, and logging to be able to find some of that work. Ultimately, we decided we really were an insurance company, too, and we wanted to be able to insure in those other places. And so, again, the lead for us was we were known as the safety company. And so that's how we sold ourselves as we've moved down the East Coast. And, you know, we don't do business just in any state, in part because we want to have a safety person within driving distance of the organization so that they can be on the worksite and be, you know, on the shop floor and help the way they help here. We're not the guaranteed market in those other places. So, we write larger entities that have probably have some interest in safety that they've already established and expressed. And so, they understand that their relationship with their safety and loss control person from MEMIC. It's going to be a big part of the arrangement. And that's what they want. They're looking for that and they don't seem to find it other places. So really, it is the calling card for the company as we've left Maine. And luckily, we found many more of those great people who come out of those industries who are really interested in safety and who are really good at it and develop those same those same relationships that we are able to develop here in Maine.   Pete Koch: So it sounds like part of the MEMIC success is having a safety expert, boots on the ground in the field, working with partnering with those different businesses that we're going to insure. And that's really the essential part to be successful as a business.  If you take that model that MEMIC has, of you know, having your financial people and your claims people and then your safety people. That safety person can't be in the office, they have to be boots on the ground. They have to be knowledgeable; they have to be a good communicator. They have to be able to understand the business and then to be able to think outside the box because it's not always compliance. Just because this is the rule doesn't mean that this the way it's written is the way that it's going to be applied or if it has to be applied that way, you might need to think outside the box for how you do your job and your task. So if you had a -- and I don't want to put you on the spot Michael so -- putting your creative hat on for a moment here, if you had to give some advice to a business owner that was looking to fortify their safety program or change their safety culture, what would be some advice that you could give them based on your experience here at MEMIC and some of the success that we had that they could use in any business?   Mike Bourque: Yeah. Well, the first thing I'd say is make sure MEMIC's your workers compensation insurer - that would be the - because we have experience and we know what we're doing. But I think it would be "Engaged in that relationship with your safety professional." They are your consultant. They are your expert. They are at your disposal and they have a lot they can bring to your organization from their various experiences. They see and they are learning all the time. It's not that they only come with whatever they learn last year. They visit a different place a few times a week. And so that continues to sort of add to their knowledge. Plus, there's people who are out doing education there. They're staying on top of what's happening in their field. So, I think those are really, really important aspects. And I think the other part that we talk about, we've talked about this a little bit earlier, just opening up and listening to your employees because they have something to tell you. And, you know, it may not be that you agree, but it's you have to hear, because more often than not, I found in this job, which is not always about safety, it's about all sorts of other things. But you learn that way. And so, I think it doesn't matter what kind of management job it is, you're going to learn from the people who are sort of on the front lines of your organization.   Pete Koch: I think those are great points. And that commun - or the listening the communication part of the partnership goes both ways. Like I have to if I'm a business owner, I have to listen to the people that are doing the work because just because I was really good at doing that job before I owned the business doesn't mean that that person doesn't have a different idea of how to do it better or how to do it safer, or how to actually make it so that we can tie those two things together like we did in logging and make the safe way to do it that much more productive. That's pretty key. And then utilizing your resources and then MEMIC bringing that expertise to the workplace. That's fantastic. Great advice. What does the future hold for the safety experts at MEMIC? Like what's the, where are we going forward from here?   Mike Bourque: Well, I mean, you know, we've established ourselves as an organization by selling safety and continuing to grow in that realm. And, you know, while we've been through a time where the frequency of workplace injury is down around the country, there's been more attention to that. It's down by a larger percentage here in Maine where we really got our start and got that ball rolling. So, we're not going to go away from that anytime soon. That's really is who we are, in fact. And I know you know this. But the you know, part of the deal for us, as we have developed in the place where we're not the guaranteed market, which is the rest of the country outside of Maine. Until send out a safety person to do a review of a of a workplace and look at what they're doing for safety and come back with that plan, you know, sort of an action plan for what are we going to work with you on? What will we work together on? Until somebody high up in the organization, preferably the president or the owner of the company, signs that to say, yes, we'll work with you, we won't offer the quote.  That tells you how serious we are about it. We don't want to necessarily underwrite your business if you don't want to spend time and work at it with us, because that's where we think we can add the value. That's what makes us different than we think other insurers. So, you know, the continuing development along that spectrum of workplace safety and those people, I think we are going to always rely on the human side of this. I mean, I think there are all sorts of resources that are available electronically. I think those are just tools that go alongside the safety professional who humanizes it and also can look with their eyes and see what's happening, you know, in a place. So, I think we'll continue to have more capacity as a result of those tools. But it really is about the people who know what they're talking about and can help relate to the people, because in the field, that's how we'll continue to grow.   Pete Koch: That's great. So that essential safety is about relationship. It's about the people both doing the work, seeing the work, committing to improving what's happening. And then at the end of the day, that commitment to making sure all your people go home in that same condition as they came in, maybe a little bit more tired than they did when they came in. But all their fingers and toes, safe, happy home so that they can work another day for you. And that's the bottom line.   Mike Bourque: And I think, you know, most every employer wants that. And I think that's the truth of the matter. So, we start at good place, I think. I think human nature is that we want to have people, you know, be whole and be productive outside of their work time. And that makes those relationships better. And at this day and age, especially in the northeast and down the east coast, where you have really low unemployment numbers. You've got to take good care of those people that you have invested in that you've brought in and you spent money to hire them, to put them in place, perhaps to train them, to provide them with equipment. The last thing you want is to see one of them go out with an injury. And because it's not only an injury to them, obviously it could be life lasting, but it's an expense to your organization. And you may not find that same person out there somewhere, a free agent who you can bring in and hire. You need those people.   Pete Koch: Yeah, you definitely need those people and they're hard to find. People are hard to find. They're that essential human resource. But they're becoming scarce these days, which, you know, that's not a bad thing to have sometimes when your economy's going that fast that you need that many people.  But it also becomes more difficult to keep those people around. So, safety, again, be another essential part of those three things. Right. Safety, quality and productivity all the time.   Mike Bourque: Absolutely.   Pete Koch: Fantastic, Mike. I think that about wraps up this week's Safety Experts podcast.  And I wanted to thank you very much, Mike, for spending time with us today and sharing your story and your experiences and just being here for us and supporting the continued mission of MEMIC overall.   Mike Bourque: Well, it's my favorite topic, of course. And MEMIC and our work in safety. So, it was fun to do. And I think this is going to be a successful endeavor. I look forward, like I said, to listening to future podcasts because I think you going to have a big audience.   Pete Koch: Thank you very much for that. Any last words or tips that you have for our listening audience out there?   Mike Bourque: No, I think I think we've touched on all of it.  I think we did.   Pete Koch: Yeah, that's fantastic. So, thanks again, Michael, for joining us today. And this is Peter Koch for the Safety Experts podcast. If you have any questions for our guests or would like to hear more about a certain topic or from a certain person on our podcast. Send us an email at podcast@MEMIC.com. This podcast was presented by MEMIC, a leader in the competitive insurance market and a company committed to safety. We are that safety company that sells insurance that we were talking about before. And to learn more about how MEMIC can help your business, visit MEMIC.com. Don't forget about our upcoming workshops and webinars. And for those dates, you can also find those on MEMIC.com. We appreciate your listening and encourage you to share this podcast with your friends and co-workers. Let them know that they can find it on their favorite podcast player by searching for Safety Experts. And last. Thanks for tuning in to the Safety Experts podcast. And remember, you can always learn more by subscribing to the podcast at MEMIC.com/podcast.     Resources/People/Articles Mentioned in Podcast MEMIC - https://www.memic.com/ Peter Koch -https://www.memic.com/workplace-safety/safety-consultants/peter-koch Michael Bourque - https://www.memic.com/about-memic/leadership-team/michael-bourque John McKernan - https://www.uschamber.com/john-r-mckernan-jr Wall Street Journal Article – https://www.wsj.com/ MEMIC’s Overview & History - https://www.memic.com/about-memic/company-overview MEMIC’s Mission - https://www.memic.com/about-memic/the-mission Rod Stanley - https://www.memic.com/workplace-safety/safety-consultants/rod-stanley Andy Wood - https://www.memic.com/workplace-safety/safety-consultants/andy-wood Maine State Flag - https://statesymbolsusa.org/symbol-official-item/maine/state-flag/flag-maine Certified Logging Professional - http://www.clploggers.com/clp2.html Game of Logging - http://www.gameoflogging.com/  

Check out this episode as we dive into how Summer Garrett became a top loan officer in a new city without vary many contacts! She talks about her first job, how she got into mortgage, and who the key people were that helped her develop throughout the years. Wall Street Journal Article about Summer: https://www.linkedin.com/pulse/my-interview-wall-street-journal-summer-garrett/   Summer Garrett's Contact Info: Phone: 972-880-9332 Email: sgarrett@homebridge.com Rate this episode below! (Scroll down)

Realtor Peter Toering responds to a Wall Street Journal Article by Paul Kupiec and Edward Pinto about the possibility of a new housing bubble, and how it relates to our market here in Metro Detroit and specifically Macomb County

Join Michael and Christian for a fun round table episode of reflection and rants on some current topics in dentistry and dental school. Taking chances, showing confidence, taking responsibility, and owning up to your student loan debt are all topics we share on this episode of the SEID podcast. Episode resources: Wall Street Journal Article - https://www.wsj.com/articles/mike-meru-has-1-million-in-student-loans-how-did-that-happen-1527252975 SEiD Email - seidpodcast@gmail.com SEiD Facebook - https://www.facebook.com/SEiDUNC/ SEiD Instagram - seid_unc

After each week of NFL football games for the 2017-2018 season, the Heads 'N Tales podcast will be posting an episode dedicated to injuries and health & safety topics surrounding the NFL. Specifically we will talk about possible prevention strategies, the rulebook, equipment and other injury buzz around the league.  My co-host and strategist for these episodes will be one of my closest friends, Josh Boyd (hence the J in "JK"..I'm the K...).  Josh and I grew up playing baseball together. Josh was a division-1 center fielder for Monmouth University and experienced his fair share of injuries throughout his career.  Although Josh never played organized football, the dude flat-out knows the game of football and undoubtably knows more about the ins-and-outs of the sport better than I do from both a fan and x's & o's perspective.  Our intention for these episodes is to spark conversations around topics that are usually brushed under the rug or only minimally covered in the hopes of making football and all sports safer for the athletes who play them.   You are currently looking at the show notes for THE 2017-18 PRO BOWL WEEK! NFC/AFC CHAMPIONSHIPS Injuries & Plays: Rob Gronkowski, New England TE, Concussion Still in concussion protocol, participated in non-contact practice on Saturday How quickly we forget (Gronk’s concussion inducing people's elbow earlier this season) Barry Church fined $24,30 All signs point towards playing. Healthy or not, would he really not play in the Super Bowl? Second concussion of the season for Gronk. Tom Brady, New England QB, Hand “not quite where he want’s it to be” But should be really believe him? There's a method behind Bill Belichick's injury non-answers and it trickles down to his players. Brady has practiced without a glove. Tom Brady crushing the preparation for life after football in "Tom vs. Time" Take notes on his career longevity tips... I know I am... Deatrich Wise, New England DT, Concussion Present for practice with Gronk. Malcolm Brown, New England DT, Foot Practiced Sunday, says he will definitely be good to go Jay Ajayi, Philadelphia RB, Ankle Limited in Thursday practice. Health & Safety Headlines: Concussions suffered by NFL players up this season; injury rate higher for Thursday games Tackle football would be banned for children younger than 12 under a proposed state law that will be unveiled in Chicago XFL 2020! Wall Street Journal Article:  How to Save Football Players’ Brains The Future of Football with Chris Borland on The Ringer NFL Show  

CLICKE HERE to read article from Wall Street Journal "The Active-Passive Powerhouse" (https://www.bestinwealth.com/wp-content/uploads/2016/12/Wall-Street-Journal-Article-2016.pdf) CLICK HERE to read the article mentioned in "Pensions & Investment" (https://www.bestinwealth.com/wp-content/uploads/2016/12/DFA-news-Pensions-and-Investments-newspaper.pdf)

On his 35th birthday Mike Michalowicz had founded and sold two multi-million dollar companies. Confident that he had the formula to success, he became an angel investor and proceeded to lose his entire fortune. Then he started all over again, driven to find better ways to grow healthy, strong companies. Among other innovative strategies, Mike created the Profit First Formula, a way for businesses to ensure profitability from their very next deposit forward. Mike is now running his third million dollar venture, is a former small business columnist for The Wall Street Journal; is the former MSNBC business make-over expert; is a popular keynote speaker on innovative entrepreneurial topics; and is the author of Surge, Profit First, The Pumpkin Plan and The Toilet Paper Entrepreneur, which BusinessWeek deemed the entrepreneurs cult classic. Secret – timesaving technique Mike tells himself that he is the most impactful small business author of this century -- before the world sees something in you -- you need to see it in yourself. ONWARD! Daily habit that contributes to success Don't structure your to-do list by due dates -- Mike writes a to-do list and prioritizes tasks with symbols. Most critical skill you think business owners need to master to be successful "You have to deliver on your promises." Most influential lesson learned from a mentor "Everyone is giving you the wrong information -- everyone has a bias."   Final Round – “Breaking Down the Recipe for Success” What strategy would you recommend new business owners focus on to best ensure success? Don't follow your passion -- follow your purpose Test, test, test Don't pivot -- align How best to connect with Mike: Website: mikemotorbike.com Wall Street Journal Article: www.wsj.com/articles/SB10001424052748704723104576062231197795222

Fantastic interview with Barry Schwartz, co-founder with his twin brother Ronnie of Rusty Brick! Go behind the scenes with what went into developing the ArtScroll Shas App. Learn about some of the 30 Jewish Apps that they created as a service for the community. Have an idea for an App that can benefit the Jewish Community? Let them know and they just might build it! They have been in business since 1994 (Yes, 22 years!) which they started in High-School. They have some huge clients you have heard of such as Pitney Bowes, MTV, and Viacom and have a team of 20 people (mostly in house) ready to make your vision a reality! ShulCloud is one of their more successful software projects that they built and own and now they have just announced the launch of The Jewish Ad Network and a Kosher Restaurant Open Table+ App is also in the works! NAME: Barry Schwartz CONNECT: https://www.linkedin.com/in/rustybrick (On LinkedIn) TWITTER: https://twitter.com/rustybrick (@rustybrick) WEBSITE: https://www.rustybrick.com/ (Rusty Brick) https://frumentrepreneur.com/wp-content/uploads/2016/04/barry-schwartz.jpg () People & Companies Mentioned In This Episode https://www.rustybrick.com/ronnie (Ronnie Schwartz) http://comsyn.org/rabbi.php (Rabbi Dr. Moshe Tendler) http://comsyn.org/ (COMMUNITY SYNAGOGUE OF MONSEY  ) http://www.ashar.org/ (Adolph Schreiber Hebrew Academy of Rockland (ASHAR)) http://www.tabc.org/ (TABC) http://www.baruch.cuny.edu/ (Baruch College) http://www.ramapo.edu/ (Ramapo College) Glatt Wok http://www.jamesaltucher.com/ (James Altucher) http://artscroll.com/ (ArtScroll) http://artscroll.com/app (ArtScroll Apps) https://en.wikipedia.org/wiki/Meir_Zlotowitz (Rabbi Meir Zlotowitz) https://www.linkedin.com/in/mayerpasternak (Rabbi Mayer Pasternak) https://www.rustybrick.com/software.php (FULL LIST OF APPS DONE BY RUSTY BRICK) https://www.shulcloud.com/ (ShulCloud) https://www.jewishadnetwork.com/ (Jewish Ad Network) http://www.wsj.com/articles/jewish-focused-online-ad-network-courts-marketers-1458810549 (Wall Street Journal Article on the Jewish Ad Network) http://searchengineland.com/author/barry-schwartz (Barry on Search Engine Land) https://www.seroundtable.com/author/barry-schwartz/2.html (Barry on Search Engine Roundtable ) https://www.rustybrick.com/glass.php (JewGlass) https://www.rustybrick.com/iphone-siddur.php () https://il.linkedin.com/in/hillelfuld (Hillel Fuld) http://www.nachumsegal.com/ (Nachum Segal Network) http://shamash.org (Shamash.org) http://www.kbyshul.org/rabbi-joshua-blass.html (Rabbi Josh Blass) http://www.kbyshul.org/ (Kehillas Bais Yehudah ) http://www.feldheim.com/commerce-and-shabbos.html () http://www.feldheim.com/commerce-and-shabbos.html (Commerce & Shabbos by Rabbi Yosef Kushner) http://www.bhphotovideo.com/ (B & H Photo (Billion dollar company and their website is closed on Shabbos!)) http://www.google.com/analytics (Google Analytics) https://support.google.com/webmasters/answer/4559176?hl=en (Google Search Console) https://feedly.com (Feedly) ——— CLICK THE AD BELOW! https://frumentrepreneur.com/book-sponsorship/ () https://itunes.apple.com/us/podcast/the-frum-entrepreneur/id975678776 (Are you enjoying this podcast? Please take 30 seconds and rate it on iTunes! Every 5 Stars helps us get more noticed!) To learn more about me, please check out http://nachum.co (Nachum.co) Thank you for listening!!

Listener Email, Wall Street Journal Article on Julia Duin's Book "Quiting Church", Preaching from Dr. Seuss' Books - Review of a sermon from The Oaks Fellowship in Red Oak Texas.