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When a woman joins a department at work that's full of men, she's celebrated as diversity. When a woman prioritises her career over starting a family, or when she juggles family life with work, she's considered strong. When a woman embraces her flaws and is comfortable in her own body, she's looked up to as an example of self-love. But as soon as a man tries to step away from gender roles and redefine his masculinity for himself, people dismiss his efforts because of the notion that men are collectively "too privileged" to be celebrated.Whilst it's true that patriarchy dominates throughout, very few of us take out the time to understand that toxic masculinity shapes society and that men who don't conform to the traditional masculine image have been suppressed as long as their female counterparts have been. Gretchen Hernandez, a men's mindset coach and host of the My Freedom Grove podcast, works towards changing that narrative through giving a platform to men willing to break out from gender norms, as well as providing a space where men can share their journey with other men. Gretchen is a strong believer that gender equality can only be established when everyone is included and gender stereotypes are abandoned to ensure those that weren't being heard are able to amplify their voices when they are ready.
When was the last time you went on a date?Whilst this year hasn’t been the most ideal for those seeking a little more romance in their lives, my husband Brian and I have made it our mission to commit to weekly date nights. As those in long-term marriages or relationships will know, scheduling that time for each other isn’t always easy, especially when kids and busy work life are thrown into the mix. So, today I wanted to offer my listeners some of my personal favorite date ideas and share why consistently going on date nights has positively impacted my relationship. To learn more, tune in to Episode 32 of Six-Pack!In This Episode You Will Learn:What made Brian and I prioritize date nights in our relationship (0:35)Why our intimacy and happiness has been reignited as a result of our date nights (5:14)How working on our relationship as a couple has positively impacted our children (8:40)A few at-home date ideas (12:32)Suggestions for dates outside of the house (15:42)The overall benefits of having consistent date nights (23:53)Let’s Connect!InstagramWebsiteFacebookResources:Instagram: Luke Wren See acast.com/privacy for privacy and opt-out information.
Brahms Chouity known by his Instagram handle @DaddyFoody is the winner of the Best Comfort Food Blogger at the World Bloggers Award for 2019. In this episode we discuss Brahm's passion for conceptualising and identifying business opportunities with the goal to exit in a few years and how he managed to launch close to 30 startups in 2 decades. Whilst he was hard at work churning one business after the other and just before he turns 40, life throws Brahms a curveball that would change his perspective forever. Out of that experience, Daddy Foody was born. Tune in to listen to Brahms' story and find out about his plans for the future!
Plastic Defence is a documentary about illegal 3D printed firearms in Europe and the decentralised network behind them. These guns are robust, they don't blow up in your hands, and they're untraceable. What's more, they're being made in people's bedrooms. At Popular Front, we got access to the network designing and building these downloadable rifles. It goes by the name "Deterrence Dispensed". Its members are determined to give untraceable DIY firearms to the world. We spent time with the founder of the movement—a man known as JStark. He showed us how he designs the firearms, builds them in his workshop, and even makes bootleg 9mm ammunition for them. We also went out into the forests with JStark to witness how powerful 3D printed firearms have become, and to gauge how dangerous they could be for Europe. JStark argues that his group is helping people living under authoritarianism fight back against their oppressors. Whilst this could be true, Deterrence Dispensed is sending their technology out into the world for free to anyone and everyone. It's totally unregulated. If it gets into the wrong hands, which it easily could do, many innocent people could die. WATCH THE DOCUMENTARY NOW
Endometriosis, small intestine bacterial overgrowth and allergies. What do they have in common? Histamines. Whilst these conditions are multifaceted and often don’t have one root cause, there is a clear common thread connecting them all. Here’s some key takeaways: 61% of people with endo have allergies Research has shown up to 80% of those with endo also have SIBO (some doctors argue it’s even higher at 100%) SIBO can impair the body’s ability to break down and remove histamines from the body Mast cells (the cells that make histamine) and histamines are found in high lever levels in patients with interstitial cystitis Mast cells have been found in higher levels within endometriosis lesions and have been shown to be involved within the inflammatory process of endo Endometriosis is an oestrogen driven disease and the endo lesions also increase oestrogen in the pelvic area. Oestrogen triggers mast cells to release histamines, whilst histamines can trigger further oestrogen production Histamines can also rise as oestrogen rises with the menstrual cycle Oestrogen lowers the effects of DAO, the enzyme that helps to break down histamines. This overload of histamine, combined with the lack of DAO and the gut’s lessened ability to break down histamine due to SIBO, can result in a histamine intolerance scenario. Histamine intolerance can manifest in many different ways, but some common symptoms are: Dizziness Sneezing Wheezing Runny or congested nose Red, itchy eyes Rashes and hives Racing heart Chest tightness Diarrhea Nausea Irregular heart beat Brain fog Irritability Food allergies and airborne allergies In today’s episode, I’m exploring all of these links in the context of my own health challenges around IC, SIBO, endo and allergies and why I believe stress, mould and my gut health problems have been the straw that broke the camel’s back. I hope that by sharing my story, and the investigative work I did into my health, you may be able to pick up the clues in your own situation and begin to work out what’s triggering or worsening your allergies and other symptoms, and what you can do to start lowering histamines and controlling your symptoms. For sources and references that I used in this episode, please see below in the show notes. P.S. Apologies if this episode sounds a little breathy, I've been having to use a different mic for a few weeks whilst we get a new lead for our other one. Let's get social! Come say hello on Instagram, Twitter and Facebook or sign up to my newsletter. If you feel like you need more support with managing endometriosis, you can join Your EndoLife Coaching Programme. A 1-to-1 three month health and life coaching programme to help you thrive with endometriosis. To find out more about the programme and to discuss whether it could be right for you, email me at hello@thisendolife.com or visit my website. My cookbook This EndoLife, It Starts with Breakfast is out now! Get 28 anti-inflammatory, hormone friendly recipes for living and thriving with endometriosis. Order your copy here. This episode is sponsored by my free “Endometriosis Symptom Tracker”. If you feel like you’re just in pain or tired all the time, and you can’t tell what’s making your endo better or worse, this tracker could help you begin to understand the subtle patterns in your endometriosis symptoms. As always, this guide doesn’t replace your medical treatment and is not intended to treat or cure endometriosis, but provides you with options that helped me to live well with endometriosis. Download here. This episode is sponsored by The Pod Farm. Learn all about how to start your own podcast with the complete course from The Pod Farm. Aimed at beginners, this course takes a simple and straightforward approach to planning, equipment buying, setting up, recording, editing and hosting your own podcast. With hours of audio and video materials, and downloadable guides and useful links, this multimedia approach aims to have something for every kind of learner. From now until April 15, newsletter subscribers get 20% off the course price. Visit www.thepodfarm.com to enroll or find out more This episode is sponsored by BeYou. Soothe period cramps the natural way with these 100% natural and discreet menthol and eucalyptus oil stick on patches and CBD range. Click here to find out more and to shop: https://beyouonline.co.uk This episode is sponsored by Semaine Health, the anti-inflammatory, plant-based pain relieving supplement. Now priced at $28.99 for subscription. Shop here. Sources The 4-Phase Histamine Reset Plan Interstitial cystitis and histamines Dr Becky Campbell Histamine Intolerance 101 Dr Becky Campbell Mast cells in endometriosis: guilty or innocent bystanders? Targeting mast cells: a new way to treat endometriosis Estrogen and histamines Dr Lara Briden Immune Treatment for Endometriosis Dr Lara Briden
The national debt reached £2.08 trillion by October 2020, up £276.3bn since the start of the financial year. Monthly borrowing, required because the treasury is spending more than it earns in taxes due to the recession, reached over £40bn in April and close to that again in May of this year following the first lockdown. Borrowing is on target to exceed £300bn for the year since the start of the coronavirus crisis. The UK economy bounced back in the third quarter, but will falter again due to the current second lockdown which is killing businesses and jobs. Two more high street clothing chains went into administration this week putting thousands more jobs at risk. UK debt exceeds the size of the UK economy, with debt having reached 100.8% of the country's gross domestic product (GDP). Debt levels of this magnitude have not been seen since the early 1960s while paying off the debts of World War Two. Whilst the government always repays debt on due dates, it has to borrow new money - and take on more debt - to do so, like people do when living on credit cards or “robbing Peter to pay Paul”. More articles and money news available at Money Tips Podcast - www.moneytipsdaily.com Are you ready to adapt to the new economic model? As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution? By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook. If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com Heal your money wounds the Japanese way with Ken HondaJapan’s #1 bestselling personal development guru. Ken will take you on a journey where he will teach you the Japanese art of healing your money wounds and making peace with your money. Too often, money is a source of fear, stress, and anger, often breaking apart relationships and even ruining lives. We like to think money is the centre of our lives and everything depends on our financial status, but Ken challenges our beliefs to install more liberating perceptions of money and delivers concrete tools that have the power to change your life. Click to join his free masterclass – Click: https://bit.ly/2GqyYki
Pfizer Healthcare Ireland has released new research findings investigating the public’s interest in science and the role of STEM-related subjects in both primary and secondary education. The research conducted by B&A shows that just one in eight Irish people believe they have a high-level knowledge of science, while half of the people (49%) believe they have moderate knowledge. Men and younger adults are more likely to suggest a high level of knowledge. When it comes to education, just under half (47%) of those surveyed believed achieving the leaving cert points required to secure a 3rd level STEM course would be too difficult. Whilst 79% of respondents would like to see more focus of science in primary school. Meanwhile, 72% of those who studied a science subject at leaving cert studied biology for the Leaving Certificate compared to just 6% studying computer science in secondary school. However, this year shows a significant increase in the number of people studying computer science at college or university (42 per cent) compared to Index figures last year (29 per cent). Meanwhile just over one in ten (11%) of people work in a STEM profession in Ireland, however, the research also confirms a significant gender gap in the percentage of men (15%) and women (7%) working in STEM-related careers. 35% (1 in 3) feel there are more STEM opportunities in Ireland than elsewhere, with younger adults and those in Dublin and particularly those working in a STEM most likely to agree. Almost two-thirds (62%) believe that people leaving college with a STEM qualification have better career prospects than those with a non-STEM qualification. The research also reveals the importance of science within the eyes of the public, with 59% strongly agreeing that scientific advance is now more important in light of COVID-19. The research launches in tandem with Pfizer and Science Gallery at Trinity College Dublin new digital-led initiative, Speed of Science which tells the historical story of vaccines and the role of scientific advancement in society. The windows of Science Gallery Dublin on Pearse Street also feature an installation of the initiative where passers-by can get a glimpse of what to expect. The initiative takes us on a journey through scale; moving from personal immunity – examining how the body responds to vaccination, through a local scale looking at community immunity, to a global scale – demonstrating the transformation of societies and health systems through vaccinations. Minister for Further and Higher Education, Research, Innovation and Science Simon Harris TD said: “This valuable research gives us an insight into people’s perceptions towards science, and the barriers that still exist. We can also see the imbalance in the representation of women in STEM professions. It demonstrates to me as Minister the huge body of work we have to do to excite and encourage people about science and its impact on our daily lives. We need science more than ever in this post-Covid world and we want and need Ireland to be a leader in this field.” Paul Reid, Managing Director, Pfizer Healthcare Ireland, said, “This new online-led initiative and installation in the Science Gallery aims to enhance public engagement with scientific themes and make science accessible and fun for all age groups. The topic of vaccines is obviously a topical one. Immunization is a global health and development success story, saving millions of lives every year in a very cost-effective manner. Vaccines help to prevent more than 20 life-threatening diseases (such as hepatitis, diphtheria, tetanus, whooping cough, measles and polio), helping people of all ages live longer, healthier lives. “At Pfizer, science is at the centre of everything we do and now more than ever we all appreciate and value the importance of science. In challenging times, we consistently come back to what we historically can rely on and we know throughout history the fundamenta...
AniPal with Dr. Steph Stubbe today on It's A Dogs Life With Angela Ardolino. Dr. Steph Stubbe is an RSPCA veterinarian and founder of AniPal, a social enterprise dedicated to helping the veterinary and animal communities transition to more sustainable practices, lowering their environmental footprint. Growing in rural Australia, Steph moved to Melbourne to study Science and The Doctor of Veterinary Medicine whilst working at an AgTech Accelerator. This fuelled her curiosity and led her to develop the Business Association of Veterinary Students (BAVS) at Melbourne University, a group dedicated to fostering veterinary business understanding. Whilst working as a graduate at RSPCA, she created Anipal, which cleans the ocean and planet one dog and doctor at a time. Steph has spoken at numerous veterinary conferences and the United Nations on this topic and is dedicated to helping the veterinary and agricultural industries become more sustainable.
On Saturday, 21 November 2020, Amy Jones joined Carl Wastie on the Kfm Top 40 to chat about her new single, 'Imagine', which features the sound of iconic Cape Town saxophonist, Don Vino. Whilst in-studio on the award-winning chart show, Carl Wastie offered Amy Jones a challenge: to put her own spin on BTS' hit single (and former no.1 on the Kfm Top 40) - 'Dynamite'. Amy accepted the challenge and the results were magical. See omnystudio.com/listener for privacy information.
In this episode of Let’s Talk Shop, I speak with Anita who owns Diverse Gifts in Brixton, South London. Diverse Gifts is a gift shop who has been open for over 21 years so Anita has a lot of experience to share.We chat all about:Business this year.The impact of Black Lives Matter and Black Pound Day on Anita’s business.What Anita looks for in a new supplier and how she finds and selects new products.Tradeshows and much more.If you enjoyed this episode, please share where you are tuning in and tag me over on Instagram @small_business_collaborative and if you can take a moment to rate and review Let’s Talk Shop over on itunes/apple podcast I will be forever grateful. Whilst you are there, subscribe too so you don’t miss any future episodes. Links mentioned in the episode The next Black Pound Day is on the 5th December https://blackpoundday.uk/https://blacklivesmatter.com/https://www.instagram.com/makerhoodlambeth/https://afrotouch.design/ Connect with and visit Diverse gifts 390 Coldharbour Ln, Brixton, London SW9 8LF https://diverse-gifts.myshopify.com/https://www.instagram.com/diversegifts/ If you want help with your wholesale please get in touch either on my website, by email or Instagram. Connect with meWebsite: https://www.smallbusinesscollaborative.co.uk/Instagram: https://www.instagram.com/small_business_collaborative/
In this episode of Let’s Talk Shop, I speak with Anita who owns Diverse Gifts in Brixton, South London. Diverse Gifts is a gift shop who has been open for over 21 years so Anita has a lot of experience to share.We chat all about:Business this year.The impact of Black Lives Matter and Black Pound Day on Anita’s business.What Anita looks for in a new supplier and how she finds and selects new products.Tradeshows and much more.If you enjoyed this episode, please share where you are tuning in and tag me over on Instagram @small_business_collaborative and if you can take a moment to rate and review Let’s Talk Shop over on itunes/apple podcast I will be forever grateful. Whilst you are there, subscribe too so you don’t miss any future episodes. Links mentioned in the episode The next Black Pound Day is on the 5th December https://blackpoundday.uk/https://blacklivesmatter.com/https://www.instagram.com/makerhoodlambeth/https://afrotouch.design/ Connect with and visit Diverse gifts 390 Coldharbour Ln, Brixton, London SW9 8LF https://diverse-gifts.myshopify.com/https://www.instagram.com/diversegifts/ If you want help with your wholesale please get in touch either on my website, by email or Instagram. Connect with meWebsite: https://www.smallbusinesscollaborative.co.uk/Instagram: https://www.instagram.com/small_business_collaborative/
Our very first recipient at Collective Intelligence was this fella - of . We’ve had the good fortune to watch him grow into an incredibly thoughtful, respected, serial tech entrepreneur, with two successful companies under his belt. He’s fun, insightful, and a pain in the…at times, and we love him just the same! The world needs more entrepreneurs like James, who see a problem and then go about solving it for the benefit of others. This podcast brought to your ears with the support of . PS: James had an addendum he wanted to add to this description of ours: If you make it to the end of this podcast you’ll find a question that I wasn’t expecting, and a subsequent answer that doesn’t really reflect how I currently perceive the world. I was asked what I had seen in my travels that I admired (or some BS like that - thanks Harv!) and after attempts to deflect failed, made some stumbling comment about Switzerland. Whilst it is true that I really do admire the way Swiss agriculture is essentially a that provide more or less equal parts beauty and food. I’m not suggesting that this is the right approach for New Zealand or the world. On reflection, I think our whole species has a huge challenge in front of it and no one country (that I have seen) has a silver bullet which balances our desire for growth, living standards and wealth with our ability to support these things indefinitely, be it through technology or otherwise. There is a lot that we can each learn from each other, and what I have noticed is that wealth combined with a certain degree of egalitarianism tends to lend itself to local environments (countries, cities, landscapes) that fill their inhabitants with pride (this is my experience and opinion - don’t go quoting me here). Rubbish, junk, abandoned shit lying all over the place is definitely not something you find in the types of countries I have described above. I’d like to see the world apply the same degree of care to the things that we can’t see, either with our eyes or over the course of a year, a decade, or a lifetime. How we do this I’m unsure, but I’m thankful for the opportunity to clear up a mumbling, rambling thought off the cuff. ~James McCarthy, 30 October 2020
Opening our latest podcast, news from the Start Up Loan company that it has appointed its latest batch of 12 Ambassadors. These are businesses owners who have built a successful business after receiving a start up loan. We take our monthly look at the Bounce Back and CBILS loan sector. Whilst the figures show a continued increase in the number and volume of loans drawn, the rate of increase is starting to slow. To wrap up this edition, a review carried out by Capital on Tap reveals the UK’s entrepreneurial hotspots when it comes to new company formations since the first lockdown. Which sector has proved to be the most popular type of new business?
We’ve come to accept that covid-19 has no quick fix. Whilst many countries have successfully suppressed numbers with distancing, lockdowns and masks, a wildly successful vaccine or silver bullet seems unlikely in the short term. Given this, how will we move? What does living with covid-19 look like for the months and potentially years ahead look like? We talk to Dr Mark Chan - a leading Clinical Microbiologist who has been on the frontline of covid-19 testing here in Australia. We then speak to Dr Mukesh Haikerwaal AO - former State and National President of the Australian Medical Association. (Disclaimer: Both Dr Chan and Dr Haikerwaal's expressed views are their own) See omnystudio.com/listener for privacy information.
Shae and Morty have an important and necessary discussion about the importance of consent. Whilst also considering the female perspective when it comes to fear of sexual assault, both its impact individually and collectively.
This week, the boys roll out the green carpet as they gear up for Pro Wrestling NOAH’s big show on November 22nd. To help them do that, Liam and Gareth are joined by NOAH expert Hisame, in a conversation that encapsulates both the past and present of The Ark. Elsewhere, Stardom’s Sendai Cinderella show gets the cross-examination treatment as well as all of the usual news and coverage that you’ve come to expect from The Wrstling Podcast. If you’d like to learn more about Pro Wrestling NOAH, we’d encourage you to follow Hisame’s account which is @Hi5ame - a real goldmine of information. Whilst you’re over on the socials, please do consider following us on @wrstlingpod, @Inside_theRopes, @metaphwoarr and @LWyatt_probably for more content throughout the week. Thanks as always to @rob_hawkins for our wonderful theme tune. Support us on Patreon: https://www.patreon.com/insidetheropes See omnystudio.com/listener for privacy information.
Welcome to Finance and Fury, the Furious Friday edition. In this episode – we will be going through the potential changes to the current Responsible lending laws that may occur next year – as these laws will either be watered down or completely removed - As it stands - The government has plans to reform responsible lending laws to reduce “the cost and time it takes consumers and businesses to access credit” These proposals are part of the Federal Government’s economic recovery plan - to allow people to borrow more money without having to meet the current eligibility requirements – like serviceability of loan repayments So there are likely going to be some pros and cons to this – both for the individual and the economy at large – so lets break this down further To start with - what are the current responsible lending laws in Australia These are set out in the The National Consumer Credit Protection Act 2009 – these laws went into place after the GFC – to try and avoid a situation like what the US had with their lending environment – where people who couldn’t afford loans were still given them – it is a system of greater individual responsibility where it required individuals to assess their borrowing capacity – but ASIC stepped in as part of consumer protection It went into force at the start of 2010 – and it outlines and legislates how lenders (such as banks or credit unions) must act when they are assessing loan applications Essentially, it means a lender must only give a loan if it is suitable for the borrower. Importantly, the existing rules put the responsibility on the lender to ensure the credit product is suitable Whilst this was in legislation – it wasn’t really enforced well up until the start of 2017 – and things started ramping up in 2018 and 2019 – as Banks were forced to start Looking at actual expenses – forced by ASIC introduced changes to the National Consumer Credit Protection (NCCP) Regulatory Guide 209 ‘Credit licensing: Responsible lending conduct’ (RG 209) RG 209 does stipulate – basics - source of income, fixed living expenses (rent, repayment of existing debt) and variable living expenses (food and utilities), Also - “reasonable inquiries” into Entertainment, takeout, alcohol, gambling, tobacco, ATM withdrawals – however these reasonable inquiries In the past – Went off the HEM benchmark Looked at where you lived, single/couple/kids/etc, income and estimated expenses based on categories of lifestyle – Student, Basic, Moderate, Lavish – what would most people say is their expenses? Average – basic is the average right? Example – couple living in a major city with combined incomes of $160k p.a., assumed monthly expenses are $3,060 p.m. – Any annual earnings above $240k p.a. – Expenses capped at $4,040 p.m. assessment The new assessment that started around 2018 started to reduce borrowing capacity - ANZ economist estimated that household borrowing capacity has been reduced by about 30% due to increase in requirements on the banks in the past few years – but then the banks hurdle rates for assessing servicing got changed from the standard of 7.25% to 2% above the current variable rate – so at this stage around 5.5% or so – changes from bank to bank – helped to rectify things a bit So the banks still need to make reasonable inquiries and verify their financial situation the government has decided it’s time to amend regulations again in a bid to reduce red tape and increase the flow of credit – Some of the justification for this is to try and boost economic growth – but will it? Time will tell – but it probably will at least help property prices – come back to this So how exactly could the responsible lending laws be changing The proposed change to the law would see responsible lending obligations removed from the Act - if passed by Parliament – it would come into effect from March 2021 Around the same time as the bank holidays would be ceasing on a lot of households – as well as the jobkeeper and seeker payments The plan, according to the government, is to remove the obligation on lenders to ensure that loans they issue are suitable for their customers This is primarily on the mortgage side of things – where there is collateral if the borrower defaults – This isn’t going to be updated for smaller amounts of credit or consumer leases – so things like credit cards, personal or pay day loans Ironically - the government actually plans to strengthen the legislation to protect consumers from what they call predatory lending practices of debt management companies around the same time – so personal loan or pay day lending companies However - for those borrowing money on property – these changes would implement what could best be described as a “borrower responsibility principle” – as lenders would be able to rely on the information provided by their customers and lend based around this – rather than conducting their own reasonable investigation Whilst these laws may get watered down - the government has stressed that some of the other existing lending obligations on banks - such as APRAs lending standards are going to remain in place and actually expand to other types of lenders Most of these APRA standards relate back to the Basel regulation – particularly Basel III – which has the capital adequacy requirements – actually went through this a few months ago in an episode called “Why do banks seem to have the ability to lend never ending amounts of money?” This could have an implication for some ADI and non-ADI lenders – the big 4 can easily raise their capital adequacy requirements – issue more shares, or capital notes, or keep more reserve requirements and lend less to businesses to reduce the portion of their RWA – while increase their tier 1 capital – but other non-listed lenders may struggle to keep up with these requirements But the major changes of removing the responsible lending laws is a big one – so what does this mean for home loan applications? Creates a new environment on how Australian borrowers are assessed – due to the potential relaxation of these laws – the responsibility for lending is in the individual’s hands Technically it always has been – if you default – you are still responsible – however the bank used to try and avoid a situation where you would default – by assessing your ability to repay your debts These laws in practicality could be a shift back to more of a HEM style system – rather than banks going through your CC or bank statements line by line – it could go back to a rough estimation based around what the borrower tells the bank they spend If this is the case – the individual will need to be responsible for getting this right – you could always under estimate what your expenses are – but this may just hurt the borrower – if you can’t afford the loan repayments Whilst the banks won’t entirely cease their responsible lending obligation – they ideally wish to lend money There are some pros and cons to this – The pro is that individuals can now borrow more without jumping through the banks red tape – the con is that now individuals can borrow more without jumping through the banks red tape – this could be a double-edged sword - This could have major ramifications on the individual but the property market and the economy at large There has been a fair amount of backlash over this change – especially from some consumer advocacy groups – saying it “will cause harm to people and the economy” There was a joint statement you can go and read released by CHOICE, Consumer Action Law Centre, Financial Counselling Australia and Financial Rights Legal Centre – in this they said that these changes would open up “new opportunities for banks to aggressively sell debt” – so the concern is that banks will push people into borrowing money But there needs to be buyers out there for someone to sell to – this is the major issue of these changes – if there is no individual responsibility, then this could lead to ruin for many families – and set off If people lived within their means – then it will just be easier to get the correct level of finance It can be temping – property prices are high – so more debts are needed But consumer protection is twofold – the government can try and protect you – but at the same time – the end responsibility does lie with the individual as they are the ones that suffer the consequences – consumer advocates say that weaker lending standard will mean people will be loaded up with as much debt as possible – but this implies that banks will be forcing people to borrow this money – sure, banks will lend as much as possible – it is how they make money – but they need willing people to take on this debt At the moment where we stand as a nation – and the world at large – is that the major problems most economies face is too much debt – so this police has the potential to further this problem – but again – only if individuals choose to do so – and take out additional borrowings More debt – especially if it gets to unsustainable levels can hurt the individual if they borrow too much – or if interest rates rise in 5-10 years’ time Banks unsurprisingly are loving these changes – less administration for them and they can also lend more funds CAR isnt really an issue for them – Bank share prices have responded well to these changes also – following the initial announcement The banks do say that they are still going to only lend to borrowers who can meet their financial obligations When looking at the mortgage broking industry – they have Best Interest Duties coming in next year – so they will need to conduct an investigation to assess if the loan is right for a consumer – where they can be legally liable if not based around ASICs determination – however – it will be good for banks which don’t have a best interest duty – Things to watch out for – just because the bank will lend you money – doesn’t mean you should take it There is little doubt that the removal of responsible lending obligations should make it easier to get a loan – if these changes come into effect in March 2021 So you would think that it may be easier for first home buyers to buy a house – however – not if property prices continue to rise Whilst it may be easier to get a loan – the size of the loan may be a problem – as more people will be able to borrow more – and those borrowing will flow into property – pushing up prices For property prices – if people can borrow more – it creates additional borrowing capacity and with it – greater levels of property price growth – in the short term – unless people start to default So, more competition and larger loans leads to a situation of higher home prices – so even if you can get a property – the repayments due to the size of the debt may be larger – You may be able to borrow those funds – but will it help you long term? This comes back to the broader economic problems that Australia and most of the world currently face Australian households are already heavily indebted - the second most in the world after the Swiss and slightly ahead of Denmark This could yet be another method of kicking the can down the road – creating a further bubble in property and one that could lead to wide spread economic woes – If people borrow a lot more – and actually cant afford this – if interest rates do rise – then we may see our own form of defaults – like a mini-GFC- Banks may be in trouble then if property prices as collateral don’t recoup the losses on the defaults on the loans – as may be the case if prices drop 20% or more But with their CAR and the bail in laws – as well as the bail out laws – banks will survive – but the wide spread economic collapse and shock to confidence as well as a lack of consumer spending during this time could create a major economic downturn In an ideal world – it is nice to say that those who borrow will be responsible for their levels of debt – as if people borrow within their means then this wouldn’t be a problem – and it may never be if interest rates remain at near 0% for the foreseeable future – but some further economic shocks could create a situation of defaults on unaffordable debts Thank you for listening to today's episode. If you want to get in contact you can do so here: http://financeandfury.com.au/contact/
The international break is over, and so is our break!Whilst we were away Derby County parted company with Philip Cocu and in his place steps somebody called Wayne Rooney (remember the name). We discuss what Rooney could bring to the table as a manager, if his playing career will have a big influence on his style, will the press give him time, and where could we see him in a few years time? Elsewhere we look ahead to the weekends Premier League action, including two top of the table clashes involving Liverpool and Leicester at Anfield, and Tottenham and Man City at White Hart Lane. There's also an interesting game at Elland Road as Leeds look to get back to winning ways against Arsenal. There's all this and more, including how other players have transitioned into managers and why Sheffield United could struggle without Chris Wilder, on this weeks preview show from MatchDayReview.
BYE BROSNAN, HELLO CRAIG No Time to Die being moved to 2021 put a spanner in the works, but we push forward regardless. So here is Part 1 of our look at the James Bond songs of the 00s. Madonna serves up the techno "Die Another Day" from, you guessed it, Die Another Day. Whilst the late, great Chris Cornell belts out "You Know my Name" from Casino Royale. Plus we hear the thoughts of our friends at "Roger Moore's Cubby Hole" and "Spy Hards". Alex wants country music superstar Keith Urban to be the next Bond, Ben doesn't get to speak about Quantum of Solace and Dietrich has been watching PUBG eSports again. Follow us on Twitter: @TSFTMpod Guess I'll like, share and subscribe another day. Please consider leaving us a rating and review if you are enjoying the show. It means a great deal to us and makes it easier for other potential listeners to find us. Want to support us further? You can do this on Patreon from as little as £1 ($1.50) a month: https://www.patreon.com/TSFTM Thank you!
EVA England welcomes the UK Government’s decision to bring forward the phasing out of the sale of new petrol and diesel cars and vans by 2030 – ten years earlier than planned – as part of the Prime Minister’s Ten Point Plan for a Green Industrial Revolution. This decision supports ‘big picture’ issues such as the UK’s ambition to have net-zero CO2 emissions by 2050 to combat climate change, and the urgent need to improve local air quality. EVA England: Representing the views of EV drivers Even before this announcement, sales of electric cars were rising quickly – figures from October 2020 show that there was a 195% increase in the sales of battery-electric cars compared to October 2019, whereas there was a 38% decline in sales of diesel cars over the same period – and most people say that they find EVs better to drive than petrol and diesel cars. However, in the run-up to the 2030 phase-out date, there are still a number of challenges to be addressed, ranging from supporting motorists to be able to switch to electric vehicles in the most affordable way possible, to ensure drivers have confidence in the UK public charging network. EVA England – a non-profit community interest company – has been set up to represent the views of EV drivers, as well as motorists who are looking to make the switch to EVs, in the run-up to the 2030 date for the phase-out of new petrol and diesel cars and vans, and beyond. Commenting on the Prime Minister’s announcement that the government will end the sale of new petrol and diesel cars and vans by 2030, Gill Nowell, a Director at EVA England, said: “We welcome today’s announcement and judging by the results of our survey of electric vehicle drivers that we ran in the summer, and through our engagement with both prospective and current EV drivers, so too does the EV community in England. “Drivers that go electric in England typically do so as they are concerned about air pollution, climate change, or want to significantly reduce their fuel costs. Regardless of their motivations going into their first purchase, the majority find that they are just great vehicles to drive. “Whilst health, climate, and affordability are vitally important parts to this debate, we also see EVs as the go-to car choice for many, as they become increasingly more affordable and available.” The government has also announced that it will “allow the sale of hybrid cars and vans that can drive a significant distance with no carbon coming out of the tailpipe until 2035”. Although the details are yet to be confirmed, it is expected that this will primarily relate to certain plug-in hybrid electric vehicles (PHEVs) and range-extended vehicles. Both of these technologies offer a stepping stone that has helped many motorists and commercial operators to make the transition from petrol and diesel engines to electric, and they can help to reduce vehicle emissions if driven primarily on electric power, but as they also have a combustion engine, EVA England also welcomes the decision to end the sale of such ‘hybrids’ by 2035. The Prime Minister’s Ten Point Plan for a Green Industrial Revolution also included welcome announcements about £1.3 billion funding for EV charge points, grants for those buying zero or ultra-low emission vehicles, and for the development and mass-scale production of electric vehicle batteries. EVA England’s survey of 1,114 drivers in July 2020 highlighted that: 82% of respondents in England believe the phase-out date for ICE sales should be moved to an earlier date than 2035. 96% of all respondents believe an earlier phase-out would have a positive impact on public health. A majority (72.9%) of survey participants believe that an earlier phase-out date would have a positive impact on the UK economy. 74% either agree or strongly agree that the automotive industry will be able to supply enough electric cars to meet demand. 78.5% of participants do not believe an earlier phase...
When I was younger, one of my friends' mum said to me: "Nicholas, Practice Makes Perfect!" Whilst she meant well, this one quote made me realise that things had to be perfect and that I had to practice until things were perfect to get going in life. However, one thing I learned over the years is that PERFECTION does not exist! Even the most perfect person you meet is not perfect... Looking for perfection is in my opinion the main reason for procrastination. Listen to this episode to learn what practice does do for you. Get the FREE ebook 'Eliminate Negative Thoughts': https://www.masteryourmindmasteryourlife.co.uk/negativethoughts
Jessica Fostekew doing art and chatting to Annie McGrath. Secret Artists is a podcast hosted by comedian and artist, Annie McGrath. Each week her guest selects a subject which inspires them to create an artwork... It could be an object, a place, a person, an animal... Whilst drawing and painting, Annie and her guest enjoy a nice chat. Often silly. Sometimes serious. Mainly relaxing.https://supporter.acast.com/secretartistsTo see them painting, close ups of the "works of art" and more behind the scenes go to the Secret Artists Instagram:@secretartpodTwitter:@secretartpod#:#secretartistspodMore Annie:www.amcgrath.artTwitter:@AnnieMcTweetAnnie's Art:@mcgrath.artAnnie's Life:@mcgrath.annieMore Jess:TwitterHoovering PodcastFacebookNothing Will Help - short filmTurtle Canyon Comedy:www.turtlecanyoncomedy.comTwitter:@turtlecanyoncomInstagram:@turtlecanyoncomVincent van GoghStephanie SarleyRoss MuirMaggi HamblingKayleigh Prest Support this show http://supporter.acast.com/secretartists. See acast.com/privacy for privacy and opt-out information.
Wanna split £100? You get £50 free AND save money on 100% green electricity by moving to Octopus Energy. Plus I get £50 to support this podcast but ONLY if you do it by using my unique referral code. I moved to Octopus recently and had been putting it off for ages, but I kicked myself for not doing it sooner, as it’s literally a 5 minute job to give them your details. Click here: https://share.octopus.energy/free-puma-452 On today’s podcast: UK confirm 2030 ban for new petrol and diesel vehicles Becomes first major car market to bring forward ban to 2030 Massive investment in charging and incentives How UK compares to rest of the world What key figures said in reaction today Show #932 Good morning, good afternoon and good evening wherever you are in the world, welcome to EV News Daily for Wednesday 18th November. It’s Martyn Lee here and I go through every EV story so you don't have to. Thank you to MYEV.com for helping make this show, they’ve built the first marketplace specifically for Electric Vehicles. It’s a totally free marketplace that simplifies the buying and selling process, and help you learn about EVs along the way too. UK BECOMES EARLIEST MAJOR CAR MARKET TO ANNOUNCE 2030 COMBUSTION BAN The UK will ban the sale of new petrol and diesel cars from 2030, 10 years earlier than previously announced, as part of a 10 Point plan announced by our Prime Minister today. Boris Johnson is calling this the "green industrial revolution" as wind power, nuclear, hydrogen and Carbon Capture and Storage all got promoted today part of our legally binding goal to hit emissions targets. £1.3bn of cash will be injected into new car charging infrastructure and £580m for EV grants to encourage buyers into new models. However one point to note is that hybrids are allowed until 2035 if they travel significant range on electric. That range? Not announced today. It's a bold move that will give the market a clear sense of direction. It allows for investment in skills training from auto technicians to emergency responders. For fleet buyers to run cost analysis. For towns and cities to press on with plans for zero-emission zones to clear up the air around our kids schools. For charging companies to justify extra investment from their investors. Here's the plan: "Backing our world-leading car manufacturing bases including in the West Midlands, North East and North Wales to accelerate the transition to electric vehicles, and transforming our national infrastructure to better support electric vehicles." Following extensive consultation with car manufacturers and sellers, the Prime Minister has confirmed that the UK will end the sale of new petrol and diesel cars and vans by 2030, ten years earlier than planned. However we will allow the sale of hybrid cars and vans that can drive a significant distance with no carbon coming out of the tailpipe until 2035. The UK car industry already manufactures a significant proportion of electric vehicles in Europe, including one of the most popular models in the world. To support this acceleration, the Prime Minister has announced: £1.3 billion to accelerate the rollout of chargepoints for electric vehicles in homes, streets and on motorways across England, so people can more easily and conveniently charge their cars. £582 million in grants for those buying zero or ultra-low emission vehicles to make them cheaper to buy and incentivise more people to make the transition. Nearly £500 million to be spent in the next four years for the development and mass-scale production of electric vehicle batteries, as part of our commitment to provide up to £1 billion, boosting international investment into our strong manufacturing bases including in the Midlands and North East. This will help protect and create thousands of new jobs, particularly in the Midlands, North East, and North Wales. We will also launch a consultation on the phase out of new diesel HGVs to put the UK in the vanguard of zero emission freight. No date has been set yet. So how does the UK compare? California have set the aim of banning fossil cars and trucks by 2035. Whilst that was an executive order, it's still intent. Norway already has around 75% of new vehicles having a plug socket, almost half of all the new cars sold in the first half of 2020 were fully electric. This is a country built, in part, on oil and gas revenue. And they have an even more ambitious target. 2025 is the date set parliamentary goal for only zero-emission cars, light vehicles and urban buses being sold. Some German cities already ban older diesels. In China they want 50% of new car sales to be NEV by 2035. India is consulting their vehicle makers on a 2030 ban for new vehicles. Scotland was 2032 before today's announcement, we'll see if they come in line with the PM's ambitions. Sweden, Denmark, Netherlands, Ireland all 2030. In France and Spain it's currently 2040 but as countries like the UK make these promises, we'll be watched closely to see if green policies are vote winners, or vote losers. Sorry for being cynical! And you’ll notice I've said nothing of Eastern Europe, Russia, Africa, South America, Australia, any kind of U.S. policy which aligns all 50 states. Why is ambition policy so important? Because there ARE places where it has already been achieved. Shenzhen in Southern China has the largest electric fleet of buses and taxis in the world. They started in the lawmaking 2008 and the buses hit the road from 2010, to improve air quality. And if you want to buy a petrol car, you have to enter a government lottery, or auction. But you can buy an EV any time you want. Money and technology followed policy. Boris Johnson wrote yesterday for the Financial Times: "we’ll invest more than £2.8bn in electric vehicles, lacing the land with charging points and creating long-lasting batteries in UK gigafactories. This will allow us to end the sale of new petrol and diesel cars and vans in 2030. However, we will allow the sale of hybrid cars and vans that can drive a significant distance with no carbon coming out of the tailpipe until 2035. On Wednesday I will meet UK businesses to discuss their contribution. We plan to provide clear timetables for the clean energy we will procure, details of the regulations we will change, and the carbon prices that we will put on emissions. I will establish a “task force net zero” committed to reaching net zero by 2050, and through next year’s COP26 summit we will urge countries and companies around the world to join us in delivering net zero globally. Green and growth can go hand-in-hand. So let us meet the most enduring threat to our planet with one of the most innovative and ambitious programmes of job-creation we have known." https://www.ft.com/content/6c112691-fa2f-491a-85b2-b03fc2e38a30 What can we do to help people get into an EV. The U.S. has a $7500 federal tax break for manufacturers who haven't yet sold 200k vehicles - something which many say now unfairly hinders the early adopters who took the risks, like Tesla and GM. So that may change under a Biden administration to boost domestic EV production - a 'Made In America' rebate? In France there's up to 12,000Euros off a new EV if you also scrap an old combustion car. What would make you buy an EV? For fleets it's Total Cost of Ownership. And so many them are more than ahead of the general public on this. Fleet buyers can see that when you factor in cheaper electricity, they save money with EVs. Large fleet will take a long time to change over, and many do it in step with adding charging at depots or where vehicles are kept often overnight. Jim Holder is the Editorial director, Haymarket Automotive: "So, new EVs and PHEVs only from 2030, just EVs from 2035. Nothing to fear from the ambition, plenty of challenges in the execution. Huge hurdles ahead, but those that should know say it’s entirely doable with the right investment and mindset. Can we be world-leading? Why not..." Jonny Smith @CarPErvert: "New piston cars banned in UK from 2030. As I said before, the key word here is new. EV charging is improving every quarter, as car ranges improve. Interesting petrol cars will survive for occasional amusement, EVs do bulk of the miles. I'm cool with that. Autocar said: "So far, individual manufacturers have been mainly mute on the changes and their effects, although their collective body, the SMMT, called them “extremely concerning” while issuing a broad welcome. BMW has given voice, noting that the UK is only one of its 140 markets and somewhat of a lone voice, but it expects to be well able to supply UK-compliant cars when the law changes." And Mike Hawes is the head of a lobby group which many car makers, interesting not TEsla, are part of. His job is to speak on their behalf and, as is the point of a trade association, sometimes to say things the car makers don't want to be saying directly themselves. He told the BBC Andy Eastlake, Managing Director - Low Carbon Vehicle Partnership: “Its clear and ambitious but we believe necessary and achievable, if we work in partnership!”" Keith Johnston, Cofounder greentech biz @urbaneleclondon retractable on-st charging hubs."As we scale up for the 2030 ban, we need on-street fast charging infrastructure that "reduces the streetscape impact of charge points, maintaining accessibility of the pavement for pedestrians"" Chris Stark, Chief Executive of the UK's Climate Change Committee: "The 2030 commitment to phase-out sales of petrol and diesel cars and vans is *massive*. It’s a transport commitment, a consumer commitment, and an industry commitment. Crucially, it will drive fundamental change in the whole energy system. So its impact can’t be overstated." Electric Vehicle Association (EVA) Scotland: "The move towards electric transportation can play its part, and that should include phasing out the sale of new petrol and diesel cars by 2025, instead of the current target of 2032." Adam Vaughan. Chief reporter, @newscientist: "On petrol/diesel ban, there is a big concession to the motoring industry - govt appears to be allowing new plug-in hybrid electric vehicles to be sold until 2035, judging from language. (e.g. so ones Mistubishi Outlander PHEV okay, mild hybrids like old Toyota Prius prob not)" Some of the madness media coverage: "The law on having a petrol or diesel car is set to change". https://www.birminghammail.co.uk/news/midlands-news/law-having-petrol-diesel-car-19299959 IN conclusion: it's unquestionably a good thing. The devil is in the detail. What do they mean by allowing hybrids which do a significant distance? Is that 10 miles, or 100 miles? And here's the key thing - it's only for new vehicles. And it's 9 years away. EVs are more silicon valley than detroit. It's hard for us, and it's part of human nature, to comprehend the pace of innovation. We either tend to massively under estimate or over estimate innovation. It’s 2020 and I’m still waiting for my hoverboard. And yet the phone I carry around with me is the stuff of science fiction. So what phone were you using 9 years ago? The iPhone 3G (and apps you could download from the recently launched App Store), Blackberry Bold, Google's Nexus One, Nokia's Symbian-powered N8. We know from VW's plans to sell 20 million EV's a year by 2030, from China's aggressive EV industry, from Tesla's plan to become their own cell maker which allows for a range of 500, 600, 700 miles. And that's probably by 2025, another 5 years after that it will just be normal. Battery costs have come down over the last 10 years form $1000/kWh to $100kWh. That's the most expensive part of an EV and costs are coming down. EVs are already cheaper to buy than combustion cars when you factor in running costs and lack of servicing over a typical ownership period. Soon, cheaper to buy. At that point you don't need state of national governments to be involved. Economics takes over. The pound in your pocket, the dollar in your wallet is stronger than anything else. EVs are better in every way, and if the trend of the last 10 years continues, soon they're cheaper to buy. Finally, I'll conclude with perception. I'm interested in this, and so you are because you've got to the end, but most people are busy having a life. They'll read the headlines - "petrol cars being banned!" - and that will impact buying decisions and residual prices. Who's buying a diesel car today when they're going to be worth nothing when you come to sell it. Maybe not reality, but perception. What do you think? Leave me a comment. You can listen to all 931 previous episodes of this this for free, where you get your podcasts from, plus the blog https://www.evnewsdaily.com/ – remember to subscribe, which means you don’t have to think about downloading the show each day, plus you get it first and free and automatically. It would mean a lot if you could take 2mins to leave a quick review on whichever platform you download the podcast. And if you have an Amazon Echo, download our Alexa Skill, search for EV News Daily and add it as a flash briefing. Come and say hi on Facebook, LinkedIn or Twitter just search EV News Daily, have a wonderful day, I’ll catch you tomorrow and remember…there’s no such thing as a self-charging hybrid. 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THIAS (EXECUTIVE PRODUCER) TODD OAKES (EXECUTIVE PRODUCER) THE PLUGSEEKER – EV YOUTUBE CHANNEL (EXECUTIVE PRODUCER) TIM GUTTERIDGE (EXECUTIVE PRODUCER) WILLIAM LANGHORNE (EXECUTIVE PRODUCER) CONNECT WITH ME! EVne.ws/itu nes EVne.ws/tunein EVne.ws/googleplay EVne.ws/stitcher EVne.ws/youtube EVne.ws/iheart EVne.ws/blog EVne.ws/patreon Check out MYEV.com for more details: https://www.myev.com
Managers today feel pressure from below, from staff with big expectations, and from above, from senior managers who want them to be leaders. Whilst expertise and execution remain key management competencies, today, empathy is equally vital.In this week’s episode, I explore the 7 skills and attributes that a modern manager needs to succeed in their role. If you are a team leader or manager, this is an episode not to be missed.
(Warning, I think this guest swears more than me) Before we entered Lockdown 2.0, we had the pleasure of high tea’ing with a young gentleman by the name of Yungblud at mum's. Whilst sipping on champagne and eating sausage rolls, Dominic talks all about Hobnobs, Yorkshire tea & his mum’s Doncaster cake shop ‘Jaffa & Cakes’, named after the family sausage dog.He tells us about his rockstar lifestyle; hanging out in 'Hollyweird', nights out with Brooklyn Beckham, elephant tattoos & just wanting a pint of lager at Noma, the best restaurant in the world.What a charmer! Yungblud's new album, WEIRD is out Dec 4th, you can pre-order it now. See acast.com/privacy for privacy and opt-out information.
Episode 141 - Back to normality with a couple of tournaments across the European and PGA Tours. The Joburg Open takes place at the Firethorn Course at Randpark Golf Club in South Africa. Whilst in the United States we take our annual visit to Sea Island, Georgia for the RSM Classic. Listeners should visit Golf Betting System for the best golf betting tips coverage Paddy Power have already gone 8 places each-way at 1/5 odds for the 2020 RSM Classic, if you are interested in a new sportsbook account read our paddy power promo code guide. Intro: 00:00; Listener Reviews: 02:44; 2020 Masters: 09:23; Joburg Open Start: 16:57; RSM Classic Start: 42:50. This weeks previews: Steve's rsm classic tips Paul's joburg open tips Golf Betting System YouTube: Steve Bamford Golf YouTube Channel rsm classic tips This week's Predictor Models: PGA Tour Predictor Model European Tour Predictor Model Boylesports are leading the way in golf each-way places provided in 2020, if you are interested in a new sportsbook account read our boylesports new customer offer guide Twitter: Steve Bamford @Bamfordgolf; Barry O'Hanrahan @AGoodTalkGolf; Paul Williams @GolfBetting Golf Betting System Facebook Group: Join our Golf Betting System Facebook Group This podcast is for listeners of 18 and above. Please be Gambleaware, you can visit BeGambleAware.org for more information and of course please bet responsibly.
Whilst we're preparing for 2021, we shall be revisiting past episodes (chronologically) and selecting a single story that resonated with us from each guest.[02:21] Joy Gharoro-Akpotojor (EP 02), sharing how she became a Film producer and why she's focused on telling stories which are Black, Queer and Female-led.[07:23] Salmon Adjani (EP 01), actor and film-director sharing his perspective on what whiteness is.[10:24] Marcus Bronzy (EP 03), radio presenter regales the Fisherman taleIf there are any particular stories from our guests that resonated with you then please do not hesitate to let us know because we might put it in future shows (and give you a shout out too).
Do you have suffer with food allergies or airborne allergies? Perhaps you get fits of sneezing or watery eyes in the summer, or maybe you suffer with a chronically stuffy or runny nose? Perhaps you flare up with dairy or break out in a rash after shellfish. Sound familiar? You're not alone. Research has found a significant prevalence of allergies within the endometriosis community, showing that people with endo are at an increased risk of experiencing allergies. But without this knowledge to connect the dots, we’re often left to think that different parts of us are just falling to pieces. Whilst understanding the link can’t take the allergies away, it can certainly make us feel less crazy and give us a greater understanding of what’s happening in our bodies. In today’s episode I’m sharing some of the most important research findings regarding allergies and endometriosis. Here are some of the key takeaways: 61% of people with endo have been found to have allergies. 88% of people with endo and fibromyalgia or chronic fatigue syndrome also have allergies. People with endometriosis are significantly more like to have a family history of allergies. People with endo have been found to be four times more likely allergies. Next week I’ll be sharing my experience with allergies, what’s helped me recently and suggestions for relief. Let's get social! Come say hello on Instagram, Twitter and Facebook or sign up to my newsletter. If you feel like you need more support with managing endometriosis, you can join Your EndoLife Coaching Programme. A 1-to-1 three month health and life coaching programme to help you thrive with endometriosis. To find out more about the programme and to discuss whether it could be right for you, email me at hello@thisendolife.com or visit my website. My cookbook This EndoLife, It Starts with Breakfast is out now! Get 28 anti-inflammatory, hormone friendly recipes for living and thriving with endometriosis. Order your copy here. This episode is sponsored by my free “Endometriosis Symptom Tracker”. If you feel like you’re just in pain or tired all the time, and you can’t tell what’s making your endo better or worse, this tracker could help you begin to understand the subtle patterns in your endometriosis symptoms. As always, this guide doesn’t replace your medical treatment and is not intended to treat or cure endometriosis, but provides you with options that helped me to live well with endometriosis. Download here. This episode is sponsored by The Pod Farm. Learn all about how to start your own podcast with the complete course from The Pod Farm. Aimed at beginners, this course takes a simple and straightforward approach to planning, equipment buying, setting up, recording, editing and hosting your own podcast. With hours of audio and video materials, and downloadable guides and useful links, this multimedia approach aims to have something for every kind of learner. From now until April 15, newsletter subscribers get 20% off the course price. Visit www.thepodfarm.com to enroll or find out more This episode is sponsored by BeYou. Soothe period cramps the natural way with these 100% natural and discreet menthol and eucalyptus oil stick on patches and CBD range. Click here to find out more and to shop: https://beyouonline.co.uk This episode is sponsored by Semaine Health, the anti-inflammatory, plant-based pain relieving supplement. Now priced at $28.99 for subscription. Shop here. Show Notes High rate of allergies among women with endometriosis High rates of autoimmune and endocrine disorders, fibromyalgia, chronic fatigue syndrome and atopic diseases among women with endometriosis: a survey analysis Endometriosis and type 1 allergies/immediate type hypersensitivity: a systematic review Women with Endometriosis Have Higher Rates of Some Diseases NHS allergies
I watched Chris Liddell's interview on Q&A over the weekend.Liddell is the New Zealander working at Trump's right hand in the White House.Born in Matamata, educated here and at Oxford, business career, currently Deputy Chief of staff and looking for a new job.He wants to run the OECD, which is a club with 37 member countries from all over the world.New Zealand is one of them.It's one of those international talking shops...and as Liddell told Q&A yesterday...there's a lot of those.In fact he says, there are 38,000 of them.Which makes you wonder why someone would want to work in a place like that...producing reports that at best sit on a shelf, at worst go straight in the recycling.The OECD has a consolidated budget of 386 million Euros.Our share of that is a fraction over one percent...so let's say 4 million Euros...ballpark.So a gnat's under 7 million a year.And what do we get for that?Whilst we're at it, what do we get from APEC, ASEAN, the International Monetary Fund, the World Bank, the International Energy Agency; the Asian Development Bank...and dare I ask...the United Nations...which costs us more than $50 million a year?I'm not saying we should be an isolationist nation, not by any stretch.But the amount of duplication, triplication, bureaucracy, obfuscation, and plain old time-wasting hot air in these outfits makes you wonder.Where's the value for money?
This episode of the Geektown Behind The Scenes Podcast features the wonderful composer, Sean Callery, the man behind the music on a huge array of brilliant tv series!If you've been paying attention to the credits on some of your favourite tv shows, the chances are you have seen Sean's name pop up. He has received 17 Emmy nominations and 4 wins, making him one of the most nominated composers of all time.He has worked on shows including '24', 'Bull', 'Jessica Jones', 'Homeland', 'Bones', 'Marvel's InHumans', 'Designated Survivor', 'Minority Report', and Nat Geo's 'The Hot Zone' which has just been renewed for a second season. Most recently he has been working on 'NeXt', which stars John Slattery as a former tech CEO who joins a Homeland Cybersecurity Agent to stop the emergence of a rogue Artificial Intelligence, and has been airing on FOX in the USA.This is the second time I've interviewed Sean, the first being back in 2013, so it was great to catch up again around after so long! Whilst this interview was initially set up to discuss 'NeXt', in the time between us arranging it and actually talking, FOX in their infinite wisdom, decided to cancel the show...In the interview, we discuss the series, but also the cancellation, along with his work on all the other shows he has provided the music for since we last talked. He chats about things such as how scoring a procedural like 'Bull' is not as straightforward as you may think, dealing with scoring generally in corona-times, and also gives a moving tribute to his agent and close friend, Cheryl Tiano, from the Gorfaine-Schwartz Agency, who passed away suddenly just days before this interview. Support this show http://supporter.acast.com/geektown. See acast.com/privacy for privacy and opt-out information.
***This episode is brought to you by restaurant.com. Head over to www.restaurant.com/podcast for 50% off your next order***Broadmoor Hospital in Berkshire is a high security psychiatric hospital that houses some of Britain's most notorious and dangerous criminals, including Robert Napper, Peter Sutcliffe and John Straffen. Broadmoor Hospital is run by the NHS and serves to prove that there is a credible link between mental illness and violent crime. In an article for GQ Magazine in June 2019, Dr Das, a forensic psychiatrist, confirms that whilst not all mental illness will cause a person to become violent, there is definitely a link between certain mental illnesses and violent crimes such as grievous bodily harm, sexual assault and murder. The most common diagnoses amongst imprisoned, dangerous individuals are psychotic illnesses, including schizophrenia, schizo-affective disorder and bipolar disorder. Whilst this doesn't guarantee a person with these conditions will immediately become a danger to others, aggression is known to be portrayed as a direct result of symptoms such as paranoid delusions or auditory hallucinations displayed by individuals with schizophrenia. The link between mental health and violent crime is muddied slightly by confounding factors such as drugs and alcohol, being a victim of physical, sexual or emotional abuse in younger years, an unstable childhood or family home and being exposed to violence, such as domestic abuse. Follow us on Twitter and Tumblr (@murderandmore), Instagram (@murderandmorepod) and Facebook (Murder and More Podcast/@mandmpod). View the sources and pictures for this episode at www.murderandmorepodcast.wordpress.com. Become a patron of Murder and More by heading to www.patreon.com/murderandmore. Buy merch at www.teepublic.com/murder-and-more. Buy us a coffee at www.ko-fi.com/murderandmore. This episode's promo is Evidence of a Crime. Music: Leave Without Me and Atmospheric Piano Backing, https://purple-planet.com.
Episode 68. Hugh and Sam are hanging out with their buddies Paul Giamatti and Thomas Hayden Church as we go on a trip around Californian wine country, pinot at the ready for this week's film Sideways. Did Hugh enjoy this film so much that he will never touch Merlot again? Or was he so bored that he had to get drunk just to make it through to the end? Find out this and much more on Please Watch This!! Whilst you're here, check out our sister blog 'Please Read This': https://pleasewatchthis.wordpress.com/ Music: "Let That Sink In" & "Southside" by Lee Rosevere "Barbra Streisand" (Original Mix)" By Duck Sauce
Whilst running is the activity that binds us all together, it's also for many of us so much more than that. The effect of running is not just better fitness, it can be transformational and take you on a journey you didn't think was possible for you. In this episode we hear from Sarah Levison as she describes how she went from being a slouch couch potato to tri-athlete and coach in just a few years. It's an uplifting and personal journey which might just resonate with you too.
Survival Bias is a form of selection bias whereby we focus on those that succeed or survive and ignore those that don't. Whilst focussing only on those that succeed may at first appear logical, the fundamental problem with it is that in doing so you are only looking at half of the story. Often times it is not what a person or a company does that allows them to succeed, but what they do not do. And that is the power of analysing those that do not survive. #biases #businessanalysis #businesssuccess
The 1800 Seconds on Autism podcast is back by popular demand. Here’s the first episode, which is based on listener emails. Presenter Jamie's assistant Oli gets some appreciation, Jamie describes his game-changing new truck and we talk about paintball - a sport which allows you to REALLY focus: "Whilst you're out on the field playing, nobody is going to come and ask whether you want a sandwich." With Jamie Knight and Robyn Steward - with support plushies Lion and Henry the Bat always present. Featuring producer Emma Tracey and other regulars. Say to your smart speaker "Ask the BBC for Ouch" to get the latest show, and subscribe via BBC Sounds.
In today’s episode The Nasty Gals meet The 98% Gals. Welcome to the most anticipated collab since bread and cheese. Elaine, Louise and Misha chat with the incredible Alexa Morden and Katie Elin-Salt. The creators and hosts of The 98% Podcast. It’s a fun filled riot and what a joy to chat to these amazing humans. No spoilers. Just sit back, relax, enjoy and as always Stat Nasty. Alexa Morden and Katie Elin-Salt. The 98 % Podcast. We started The 98% because we felt that the daily frustrations of being an actor had to be kept under wraps. In a time where social media is taking over, actors feel like they have to constantly be "on" and any signs of vulnerability or broadcasting the times you're not on set or in a rehearsal room seem nowhere to be seen, for fear of being viewed as not a 'proper, working actor.' But with only 2% of actors earning £20,000 a year from acting work that leaves 98% of us with uninspiring day jobs, less than 24 hours to learn 10 pages of script for an audition, trying to figure out how to pay for our Spotlight subscription and waiting for the phone to ring...only our stories are never heard. Whilst listening to interviews with actors who are well known can be interesting and inspiring, their stories of the hard times are usually looked back on in hindsight. We are in the thick of the hard graft, laughing and lamenting about the realities of being an actor. Being part of The 98% may mean that we aren't working consistently but there's still a lot of laughs, lessons and value in our experiences...and we're here to share them. Alexa and Katie met in the waiting room of a commercial casting. After bonding over feminist ideology, having the same agent and being overjoyed that they didn't have to sit in silence for a minute longer, they exchanged numbers and the rest is history! (And conveniently documented in a podcast) Alexa enjoys true crime podcasts, eating pizza, colour co-ordinating her diary and making up rhymes to make the morning commute more bearable. Katie likes gin, fantasising about building an outdoor 'catio' for her fluffball of a child Sir Tom Cat Jones and parodying her life through the medium of song. Website: The 98% Podcast Twitter: @98%pod @alexamorden @KatieElinSalt Podcast: The 98% Podcast Instagram: @KatieElinSalt @AlexaMorden Vimeo: HERS PAYPAL https://www.paypal.com/paypalme/persistentandnasty for those who can donate. A million thanks and love. Resources https://www.gofundme.com/f/black-women-in-film https://www.gofundme.com/f/bme-business-fund https://www.scottishtrans.org/support/support-groups-in-scotland/ https://www.thetrevorproject.org https://bornthisway.foundation/ https://itgetsbetter.org https://www.alerojasmine.com/ https://bespokebinny.com/ https://pelicansandparrots.com/ https://www.matuggarum.com/ https://sheniandteni.com/ https://lihabeauty.com https://ibereapparel.com/ https://blacklivesmatter.carrd.co/ https://blacklivesmatter.com/ https://m4bl.org/ https://docs.google.com/document/d/1BRlF2_zhNe86SGgHa6-VlBO-QgirITwCTugSfKie5Fs/mobilebasic https://secure.actblue.com/donate/bail_funds_george_floyd https://justiceforbreonna.org/ https://www.gofundme.com/f/i-run-with-maud https://www.anothermag.com/fashion-beauty/12570/black-british-owned-businesses-to-buy-from-now-fashion-beauty-design-lifestyle https://theeverymom.com/black-history-month-books-for-kids/ https://themadmommy.com/black-owned-etsy-shops/ Join our Zoom Coffee Morning every Friday at 11am GMT, email persistentandnasty@gmail.com WeAudition offer: For 25% off your monthly subscription quote: NASTY25 Backstage Offers: Get a free 12 months Actor Subscription: join.backstage.com/persistentnasty-uk-12m-free/ Or if you've got a project to cast, you can Post Castings for free: Apply promo code PERSISTENTANDNASTY at the checkout
On this episode of Expanded Perspectives the guys start the show off talking about what they have been up to lately. Then, Kyle talks about a recent sighting of a large bioluminescent flying Bat Man seen in Guyana, South America. Then, Cam tells a horrific story of a man abducted and then killed by a Sasquatch back in the 1970s. After the break Cam tells the strange story about the lost Amber Room! During WWII, Hitler’s Nazis stole some 600,000 pieces of art from across Europe. By the end of the war, billions of pounds worth of artwork had been scattered to the four winds, the Nazi looting had been on an industrial scale. Whilst some pieces of stolen art have been returned to their rightful owners, many are still missing, including a priceless collection of stunning amber panels, known as the Amber Room - perhaps the most valuable items ever looted by the fascist regime. The room was called the ‘Eighth Wonder of the World’ and one of Russia’s most treasured artifacts. After its looting, the room was returned to Germany and put on display, but it disappeared in the closing months of the war. Its fate is one of the greatest mysteries of WWII. All of this and more on this installment of Expanded Perspectives! Show Notes: Huge White Bioluminescent Flying 'Man-Bat' Observed in Guyana, South America Sasquatch Abducts and Kills Native Man The Amber Room Want to share your story? Email: expandedperspectives@yahoo.com Hotline: 888-393-2783 Music: All music for Expanded Perspectives is provided by Epidemic Sound!
This week Jules & Phoebe discuss the impact platforms like Google, Facebook and Twitter are having on human psychology. They also explore the influence these platforms have on politics and radicalising voters. Whilst they're both happy with the Biden Harris victory, they're keen to see the Democratic Party focus on policy that benefits working class Americans. They also pay homage to Stacey Abrams for flipping Georgia and explore why more white women voted for Trump in 2020 than 2016, and nuances around the youth vote. Follow @JulesPhoebe on instagram and share the podcast with a friend!
Athena Kugblenu doing art and chatting to Annie McGrath. Secret Artists is a podcast hosted by comedian and artist, Annie McGrath. Each week her guest selects a subject which inspires them to create an artwork... It could be an object, a place, a person, an animal... Whilst drawing and painting, Annie and her guest enjoy a nice chat. Often silly. Sometimes serious. Mainly relaxing.https://supporter.acast.com/secretartistsTo see them painting, close ups of the "works of art" and more behind the scenes go to the Secret Artists Instagram:@secretartpodTwitter:@secretartpod#:#secretartistspodMore Annie:www.anniemcgrath.comTwitter:@AnnieMcTweetAnnie's Art:@mcgrath.artAnnie's Life:@mcgrath.annieMore Athena:TwitterPodcastInstagramBaby Shower - web seriesTurtle Canyon Comedy:www.turtlecanyoncomedy.comTwitter:@turtlecanyoncomInstagram:@turtlecanyoncomErnie BarnesCatherine RepkoLakwenaCamille Walala Support this show http://supporter.acast.com/secretartists. See acast.com/privacy for privacy and opt-out information.
“All disabilities are different … I’m always here to learn and so should you!” Isaac Harvey has a condition called hypoplasia, which means he has no arms and a weak pelvis, as well as scoliosis (the curvature of his spine). Fostered at 2 weeks old and later adopted by the same family aged 5, Isaac has always been surrounded by supportive family and friends. Though he sometimes experiences discrimination and stares in the street, he never saw himself as different due to his disability; he has ‘always just been doing me, and everyone’s different anyway’. Isaac has always had a creative mind, and an interest in filming and video production, initially making video clips in the early days of YouTube from wrestling videogames, followed by films of him playing videogames with his feet. When Isaac was gifted with a GoPro after working with charity The Dream Factory he began vlogging. This opened many doors and he has since travelled around the world living life to the full; sailing, skiing, and recently, wheelchair rollerskating. He has even been skydiving in Ohio and raised £2600 for charity in the progress. He enjoys challenging stereotypes of what people think disabled people can do, and inspiring others with his actions. Whilst he has his ups and downs, living with a physical disability has helped Isaac learn to overcome obstacles, adapt to change, and maintain a positive mindset. He speaks of the importance of making the most of what you have, and aims to make a positive impact on people’s lives, one person at a time. Isaac’s message to able bodied people is to keep an open mind, don’t make assumptions, and take the time to learn about disability. To other’s with disabilities, Isaac wants you to know you’re not alone, and urges you to ask for help when you need it; keep doing what people say you can’t, and prove them wrong.
Season 2019 / 2020 – Talk 12 – The Great Depression In The Great Depression Andrew Cole tells us about the period between 1929 and 1939. Whilst much of his talk is about the US he also tells us about the global context. Please note: this talk is from early March 2020 and is therefore … Continue reading "The Great Depression" The post The Great Depression appeared first on The MrT Podcast Studio.
This episode looks at the intersections between imposter syndrome and jealousy, and how the constant fear of being overtaken, in any part of life, drives many individuals to feel, and a lot of the time act upon, their intense hatred towards others that threaten their happiness/success.All this results in is long-term instability of the mind and large-scale damage to both the jealous person and the person that they felt jealousy towards (which is exactly what I have experienced). Whilst all emotions are valid to feel, jealousy is that one emotion that needs to be urgently transformed, especially when felt frequently, because it highlights insecurities of an individual that stunts growth and destabilises mental wellbeing in the long term.
Skip the Queue is brought to you by Rubber Cheese, a digital agency that builds remarkable systems and websites for attractions that helps them increase their visitor numbers. Your host is Kelly Molson, MD of Rubber Cheese.Download our free ebook The Ultimate Guide to Doubling Your Visitor NumbersIf you like what you hear, you can subscribe on iTunes, Spotify, and all the usual channels by searching Skip the Queue or visit our website rubbercheese.com/podcastIf you've enjoyed this podcast, please leave us a five star review, it really helps others find us. And remember to follow us on Twitter for your chance to win the books that have been mentioned in this episode.Competition ends March 31st 2021. The winner will be contacted via Twitter. Show references:A dynamic and proven senior manager with over 20 years’ experience within the leisure and heritage sectors. Paul has been Head of Operations for the Mary Rose Museum. Head of Visitor Operations for the London Historic Properties at English Heritage. Guest lecture at Southampton Solent University in Contemporary Tourism. In July 2018 was awarded an Honorary Doctorate in Business for services to Tourism, Heritage and Conservation.www.painshill.co.ukwww.twitter.com/Painshillwww.facebook.com/painshillparkwww.linkedin.com/in/paul-griffiths-63432763 Transcription:Kelly Molson:Welcome to Skip The Queue, a podcast for people working in, or working with visitor attractions. I'm your host, Kelly Molson. Each episode, I speak with industry experts from the attractions world.In today's episode, I speak with Paul Griffiths, Director of Painshill Park, a beautifully restored, 18th-century landscape, designed by Charles Hamilton. We discuss the transformation of Painshill, the emotional reopening, team motivation, and the benefits of pre-booking. If you like what you hear, you can subscribe on iTunes, Spotify, and all the usual channels by searching Skip The Queue.Kelly Molson:Paul, welcome to Skip The Queue podcast.Paul Griffiths:No, Kelly. Thanks for having me.Kelly Molson:It's really lovely to have you on. Paul and I have chatted a few times. We've been kind of Twitter buddies for a while, haven't we? That's how we first-Paul Griffiths:Yeah.Kelly Molson:... got introduced-Paul Griffiths:It's how you meet people these days, isn't it, via Twitter?Kelly Molson:Absolutely. And then, we've had a chat, and now Paul's very kindly agreed to come on to the podcast, to share all about Painshill Park. But we start as ever with our ice-breaker questions, Paul. Are you ready?Paul Griffiths:Yeah, nervous, but ready.Kelly Molson:I've gone easy on you, don't worry. When you were a kid, what did you want to be when you grew up?Paul Griffiths:Probably a professional footballer, but before that, an astronaut.Kelly Molson:Oh, quite different. And so, football ... I know this about you. You're a big Charlton fan, aren't you?Paul Griffiths:Yeah, I'd have been playing up front in the valley, but no I wasn't good enough to play for the park, because I don't know I'd make a professional debut. But no, that was my dream for years, to be a professional footballer.Kelly Molson:Oh, and then the astronaut, just didn't happen?Paul Griffiths:Didn't happen, no. I never did make it to space. Space Mountain, is about as far as I've got. Yeah, but that's-Kelly Molson:Same. Okay, this is another retro one. What is the most embarrassing fashion trend, that you rocked?Paul Griffiths:Ooh, that's a good question. I tell you what I had, and I don't know if any listeners will remember these. Jeans, with pictures of The Flintstones on.Kelly Molson:Yes.Paul Griffiths:And I'll have been about 12, or something at the time. And you had Fred on one leg, and Barney on the other, or something like that. And they were really trendy, for one summer.Kelly Molson:I think we're probably around the same age, because genuinely, I had those, and I can remember. Yeah, I had those. Yeah, what was that about?Paul Griffiths:No idea. I remember being really excited, on holiday. It was on a holiday camp somewhere, and there was a little market nearby. Finding them in the market, and buying them, and being really excited by this. Various other dreadful things... I remember wearing dungarees for a while, and thinking I was really trendy. But from a bloke, that's obviously a bit of a strange one.Kelly Molson:I still wear dungarees now, Paul, so-Paul Griffiths:Yeah, that's why I said-Kelly Molson:[crosstalk 00:02:43] That's okay.Paul Griffiths:... but yeah, it's ...Kelly Molson:I was thinking about this question, this morning, before I asked you, and thinking, "What would I answer to this?" And I thought, "Well, it would be the Bros era for me," because I had the Grolsch tops on my shoes. And I had a denim jacket, that had a massive patch, of Bros, on the back of it, as well. What a loser.Paul Griffiths:But you see, what I find really weird, is that people in my office haven't heard of Bros. I brought them up, as a cultural reference point, at some point. And younger people haven't heard of them. No one's heard ... I was trying to explain the whole Brosette thing, and people having watches on their shoes, and just everyone was looking at me like I was ... I was DJing somewhere once ... that's a completely different story, but put on, When Will I Be Famous? And the floor cleared, no one knew it at all.Kelly Molson:Oh, no.Paul Griffiths:Note to self, don't play Bros at a disco.Kelly Molson:Except, if I'm there, and I'd have been, I'll be right in the middle. Okay, one more of these and then your unpopular opinion. If you could have an unlimited supply of one thing, for the rest of your life, what would it be?Paul Griffiths:Ooh, that's a good question. Probably McDonald's breakfasts.Kelly Molson:Oh, Paul, they are the [crosstalk 00:04:06] ultimate hangover cure.Paul Griffiths:You can't go wrong with a McMuffin.Kelly Molson:Yeah, I'm with you. Double sausage and egg?Paul Griffiths:With bacon, for me.Kelly Molson:That could be an unpopular opinion in itself, Paul.Paul Griffiths:Well, couldn't it just. Yeah, what do you have as McDonald's breakfast?Kelly Molson:On that note then, I want to know what your unpopular opinion is.Paul Griffiths:I'm going to say, that I just don't get the point of Instagram. You've got Twitter, you've got Facebook, why do you need something else? I just don't get why you need another channel. Surely two, Twitter for work, and professional stuff. Facebook great for your fun stuff. Why do you need Instagram? I don't get it, at all.Kelly Molson:Oh, no. I feel like this is going to throw up some debate, Paul. I do not agree with you on this one, so this is-Paul Griffiths:Fair enough.Kelly Molson:... definitely an unpopular opinion. I find Facebook a bit negative, whereas on Instagram, I'm just in my little, happy world of posting up all my lovely things. It just feels a bit happier, a happier place, to me. It's less ranty-Paul Griffiths:Yes, I could do it again, yeah. I just tried it for a while. I was talked into it by a good friend, and former colleague. He was saying, "Oh, you really want to do this." And after a week, I thought, "How am I going to run three different things, trying to put three different things on?" So for me, it's easier to separate my life. So I've got friends and old colleagues and things, on Facebook, and then everyone else on Twitter.Kelly Molson:So everyone, when you get promoted to Facebook, you know that you're Paul's real friends.Paul Griffiths:Yeah.Kelly Molson:Brilliant. Thank you for sharing that, Paul. I really appreciate it. Gosh, I've got so much to talk to you about today. I've been looking at your background-Paul Griffiths:Oh, that's scary.Kelly Molson:... in the attractions and heritage world, and gosh, it's very impressive, isn't it? So you're currently Director of Painshill Park, and director of, is it ... Sorry?Paul Griffiths:Well, a Director, one of the board.Kelly Molson:One of the board?Paul Griffiths:Yeah. [crosstalk 00:06:02] chair, and about seven or eight board members, who do an amazing job.Kelly Molson:Fantastic. You've been Head of Ops, at the Mary Rose Museum, Head of Visitor Operations, at London Historic Properties, at the English Heritage. You Guest Lecture, at Southampton Uni, in Contemporary Tourism, and in 2018, you were awarded an Honorary Doctorate in Business, for services to Tourism, Heritage, and Conservation. It's not a bad list, is it, Paul?Paul Griffiths:Sounds good when you say it like that.Kelly Molson:Wasn't it?Paul Griffiths:I wonder who you were describing-Kelly Molson:It's you. So I want to know, where this love of the sector has come from, because you've got such an impressive background in it.Paul Griffiths:Do you know? It's a really easy answer. I went off to Uni, to study Leisure Management. And at that point, I was thinking of going more into sports, and so leisure world. So maybe running ... after we talked about earlier on about, "What do you want to do when you grow up?" Well, I knew I wasn't going to make it as a professional footballer, but well, could I work in football? Could I work in the offices? Could I become a commercial manager in a football club? Could you do that stuff? So I went off to study leisure management, and at the end of year one, we had to do a month's work placement. One of those head out for a month and I couldn't really think what to do. And in the end, approached a few tourism attractions, because I sort of got a bit more into the tourism side, in that first year. Because it was a modular degree, so we were doing four different subjects, every term. And it was very much like school, there were three terms, and we'd do from four different subjects.Paul Griffiths:And I wrote to Hever Castle, and they accepted to take me down there for a month. I was down there, with a chap called Piers, who was the business services manager, or business operations manager, at the time. Just had an amazing job. So I spent this month, shadowing Piers, who I still occasionally now. He works for the Tate. Well, he did ... last time I saw him, he worked for the Tate, so I hope he still does. Otherwise, this could be a really difficult episode, if he doesn't anymore-Kelly Molson:Awkward.Paul Griffiths:... Yeah. I still often bump into him, at ALVA events, and stuff, which was absolutely fabulous. But no, I spent this month with Piers. It was just brilliant. We put on flower shows, in the castle. I can remember driving this funny, little van. I'd never driven a van before in my life, and I was thrown the keys, and told to go and pick up this lovely old lady, with all her flowers, because it was like the local WI, doing a flower display. You know how fabulous events can be, in our industry, and it was just brilliant. The weather was fabulous. Piers' job involved wandering around ... I don't mean wandering around, but going from the tea room, to shop, to ob missions, making sure everything was working right. And I just thought, "This is just brilliant. This is what I want to do, is in a fabulous, historic setting, talking to people, dealing with loads of different heads of departments."Paul Griffiths:And everyone was really lovely, in the same way, that most people in our industry are really lovely. So everyone-Kelly Molson:Very true.Paul Griffiths:... everyone you bumped into round Hever, was just utterly fabulous. So I went back to uni, and at this point, we had to choose our ... Sorry, this is quite a long answer, Kelly. Apologies. But we then had to choose a pathway, of which we'd specialize in. So you then had leisure management as half your course, and then your pathway as the second half. And you could have done rural tourism, straight leisure management, there was a more legal side. And I chose to do heritage management, so that sort of swayed my degree.Paul Griffiths:So my degree was in Leisure and Heritage Management, a fabulous thing to have. And then, after leaving, I just wanted to get a job in the sector. And was quite lucky, just got a job in English Heritage. My first job was making the tea for the quantity surveyors, and booking their travel, and just working in the office, as basically the dogsbody, is the only way I can describe it. But it was a route in. And EH's rules then, was that they would try and recruit most jobs internally first. So you'd get a weekly jobs file come round, and I'd open it eagerly, every week, to see what was available.Paul Griffiths:And then, got this job at Down House, home of Charles Darwin, which hadn't opened to the public. It had just been taken on by EH. We had this amazing two months, getting ready for opening, and then throwing the doors open to the public. And all the fun and games that went on then, it was just ... So from there, I just stayed with English Heritage for, gosh, 15, 16 years, something like that. Thankfully, just moving into different, progressive roles, which was fabulous. And ended up, as Area Manager for London. So I had the entirety of London, with 12 sites around London. Really spread out, as well. So you had Kenwood House up on Hampstead, which was where my office was. Chiswick House, and Marble Hill in West London. As far afield as Tilbury Fort in Essex, and sort of towards the east, the Jewel Tower, which was the oldest surviving part of the Palace of Westminster.Paul Griffiths:It's the bit that you always see, behind ... when MP's are being interviewed on the news, the Jewels House always just merrily behind it. So we managed to move ... when I was there, some signs, to be just behind where the interview was. It was a perfect product placement for us. But yeah, it was an amazing job. I spent most of the time-traveling, from around. I was rubbish at diary management, so I'd find myself agreeing to be in Kenwood, in the morning, and then Down House, or Elton Palace in the afternoon. So forever turning up late to those.Paul Griffiths:Yeah, but great. I loved it. As I say, I was there for, well, gosh 15 ... so from '97, to 2012, so what's that, 15 years, isn't it?Kelly Molson:That sounds incredible, and what a place for an office, as well. A spectacular place for an office. I'm just going to pick up Essex, as well, because Essex girl. So Tilbury massive, well done.Paul Griffiths:It's the thought that counts.Kelly Molson:So now, you're at your new role, this role. Tell us a little bit about the park, and how you've come to be there, and what you're doing there.Paul Griffiths:Yeah, so after English Heritage, I spent five or six years, down at Mary Rose, as you mentioned earlier. Then, came here in November 2018. I must confess, I'd sort of heard of Painshill, but I didn't really know it. And I think that sums up what its problem was, so much that even local people didn't know it was here. I came in November, as I say. It wouldn't be fair to go into details, but there had been a lot of changes at Painshill, and a lot of the team had moved on. And so, I was left with a smallish team, and then we were able to recruit some, actually fabulous new staff, as well.Paul Griffiths:So myself and the head of finance started on exactly the same day. We both arrived in our cars, parked up, getting our little boxes out, with our mugs in, and everything else, that you do on day one. And set about trying to make changes. Painshill itself is an 18th-century landscape garden. It's 158 acres, we have the most amazing views. It was designed by the Right Honorable Charles Hamilton, obviously in the 18th century, who'd done some grand tours around Europe, and then came back and set about building, and creating this quite sensational landscape garden, which includes a number of garden buildings, or follies, as a lot of people would call them, towers, crystal grottoes, hermitages, temples ... two different temples in fact, a ruined abbey, so built as a ruin. And guests, in the 18th century would walk the route.Paul Griffiths:And it was designed that people could get their easel out, at any point and paint, because every view would be picture perfect. This is a very quick, potted history. I could talk for hours on end, but I won't. The gardens were sadly lost, after the second world war, whereafter they'd been used for training and development of troops, sold off piecemeal. And it wasn't until the '70s, and '80s ... well, the '70s really, that there was a campaign to save Painshill. It was really recognized by particularly local garden history experts, that what had been one of the first, and most finest landscape gardens, was lost. It really was a completely overgrown mess, is the only way I can describe it.Paul Griffiths:And very, fortunately, and quite farsighted, for the time, the local council purchased 158 acres of the land, through negotiation, compulsory purchase, et cetera. And The Trust was then formed because the council realized they wouldn't be able to fundraise, because who gives money to local councils? So The Trust was formed, and we were given the park, on a 100-year lease with ethical rent, and basically told to restore it back to how it was in the 1700s. Which is what The Trust has been doing ever since. The Trust will be 40 years old next year.Paul Griffiths:So that's a very potted area of where we are. And today, whilst I don't think the restoration work will ever be completed, because the second you turn your back on it, a tree will grow behind you, or something, work we didn't do. I don't want to sound like I'm being rude about people who were before. And I'm not, I promise, but the site may have been coming into the insular, hence people didn't really know of it. It wasn't really managing to push itself enough. It wasn't really connected to a lot of the local, or national tourism industry things, that we all know work so well. And in this last nine ... or in the six months, or whatever we've now been through in the whole COVID situation, how much we've all worked together. And Painshill wasn't really connected in with any of those networks.Paul Griffiths:One of the things that I wanted to do, was obviously make it more well-known and get the name out there a lot more. So, Chrissie, who's my Head of Marketing, has been doing an amazing job of pushing the story out there, and getting it into so many different places, and we've been getting so much amazing coverage. In the last part of the summer, we've got on BBC News, we've been on ITV News. Really great coverage for the park. One of the first things we did, when I arrived, was to do quite a major piece of rebranding, because what we didn't have, was a brand. Painshill didn't have a strapline.Paul Griffiths:If you Googled it then, you'd come up with about 12 different names. Most of them we'd given ourselves, at some point. Whether it was Painshill Landscape Gardens, was it Painshill The Hamilton Landscape? But of course, no one's heard of Hamilton, because he didn't really do much else. Unless you're a real garden history fanatic, you wouldn't know who he was. It didn't really work, so we utilized a consultant chap, called Scott Sherrard, who did an absolutely sensational job, of pulling together trustees, and volunteers. We got local industry people, the head of tourism in Guildford along, and all this stuff, and did a few workshops.Paul Griffiths:And Scott then used his years of experience and skills, and came up with this phrase, "Painshill, where the walk is a work of art," and it just worked so well. And we've been able to use that in all our promotion and marketing, and it's just given us something to always hook ourselves onto, is that we are where the walk is a work of art. Because you have to walk, everyone in the 18th century had to walk round it. It's the way you get around Painshill. And as Hamilton described it as where you can get your easel out and paint, you can now get your iPhone out, and get your Instagram picture. You see-Kelly Molson:See?Paul Griffiths:... I found a use for it.Kelly Molson:There's always a link, as well. I love this, there's always a link to my weird questions somewhere, in these interviews. Gosh, Paul, can I just ask how long have you been in the role, currently?Paul Griffiths:Nearly two years. So November I started, November 2018.Kelly Molson:Okay, and so I'm getting that a global pandemic wasn't something that you were ever expecting to have to deal with, in your second year of employment there.Paul Griffiths:Right.Kelly Molson:I want to talk a little bit about lockdown, what it was like, what you've needed to implement, since you've been reopened. And again, let's talk about what demand has been like, because the message has been very, very clear, the whole way through, "Outside is safe." So my assumption, and I know we've chatted, is you've probably been quite busy, since you've been back open?Paul Griffiths:Yeah, it's been a very interesting time, hasn't it? For everybody, and none of us saw this ... Maybe some people did. I didn't have it on our risk register, I didn't have it on any of our planning. We'd often talked about high winds, and storms, and floods, and fires. But global pandemic, I don't think was up there, or any virus, was it? And that point being, global I think is the most remarkable thing.Paul Griffiths:I've got a really good friend, who's the development director, at the San Diego Museum of Us. And he and I, would sit, regularly chatting, during the lockdown on Zoom, and you've just got the same problems. It was so bizarre really. You have exactly the same ... "What you closing? And what are you doing? How are you re-opening?" It was just bizarre, to be sitting, chatting to someone on the other side of the world, literally, having the same problems. We went into lockdown in ... it was a worrying time, as it was for all of us. So myself, and my head of finance, we sat and we played around with business plans, and figures and stuff. At one point ... this is before ... and when you look back, it really did come quick, didn't it?Paul Griffiths:You look back on that ... and I looked in my diary recently, for something completely different, and thought, "It was only two weeks earlier, we were out for someones ... one of our team was leaving to go on maternity leave, and we all went to the local pub and had a nice meal." And we were all sat down on the table, and that was like three weeks before we were closed, or two weeks before we closed. Blimey, that was ... I was at a football stadium. I was at The Valley, the week before football was canceled, 20 odd thousand people sat around me, without really feeling anything concerning. There were a lot of people washing their hands a lot more. In fact, it was the first time at football, I'd ever queued to wash my hands. I'm not saying men normally do, at football.Paul Griffiths:But yeah, it was a really ... so we had all these business plans, and there was a genuine, genuine fear the charity Painshill wouldn't survive, because we're an independent charity. We received no government funding. We're not part of The Trust, or anyone else. We are our own, little, independent charity. And there was a genuine, "Look, okay so if we close for three months, four months ... " whatever it might have been.Paul Griffiths:You were hearing all the rumors, "We won't survive. We'll have cleared all our reserves, and would be owing the bank lots of cash, and we'd be trying to close the place down." And we was ... "Well, we can't do that." Luckily, before we had to close, the job retention scheme had been released, so we were fortunate to go into closure, knowing that was there. And that was savior number one, I think, because we were able to make 80% of our team on furlough. And isn't it funny, I'd never even heard the word furlough 12 months ago.Kelly Molson:I know.Paul Griffiths:I can remember just having a discussion in the office, trying to work out how to pronounce it. "Are you furloud, fullood, fullowed? What is this word, that now suddenly everyone's writing about?" So we were able to do that, and that really did set us up to say, "Right okay, so we'll use a lot of our reserves, but we can get through a potential three, four-month closure, and still be alive." We then launched a save Painshill campaign, and that was a really fabulous thing that we did.Paul Griffiths:And that was our head of fundraising, Karen, and Chrissie, into the head of marketing, really pushing those messages out. So we released a lot of footage, that hadn't gone out before, with a real clear message, with voiceovers. I did a few recorded voice messages from home, and they were either put over videos, or I was just talking to the camera, like I am now, saying why we needed help. And we raised about 30 grand in the end, for that campaign. It was brilliant.Paul Griffiths:10 grand of that, was a foundation picked up ... We hadn't applied to them. They picked up our campaign, and said, "We really want to support Painshill, it's so important." So, that was a brilliant start. And all these little things ... Steve, my head of visitor and commercial services, came up with this idea of selling our own wines from our vineyard. So we always sell wine, and we make our own gin, which is made from botanicals, from the kitchen garden. So all of the botanicals come from the kitchen garden, and the little gin kitchen in Dorkingshire. The little startup business turns it into the product, and it comes back in these lovely jars. We did a delivery service, around the local area. A number of our volunteers, who were happy to come and help ... because we rely very on our volunteers. Although we've shut the [inaudible 00:22:14] all our volunteers down, anyone happy in their car, to nip round the local area, delivering.Paul Griffiths:We just couldn't sell enough. We sold so much of this gin and wine, and delivered it. It was brilliant, and I think for people it was a way of supporting us, and also getting a great product at the same time, everyone's a winner. So, that was great. So we got about 10 grand in the end, from sales from gin and wine. So all these little things, kept edging away at it. Whilst at the time, we were obviously planning reopening, we've been one of the last places to close. We literally were open on Monday the 23rd of March, and it was only that night, when Boris said at eight o'clock, or whatever it was he said it. He always did these messages really late, didn't he?Kelly Molson:Yeah.Paul Griffiths:That you'd have to change your plans, overnight. So the announcement there was like, "We've got to close." And I remember sitting there, and funnily enough, I was putting my son, Barney to bed. And I was sat with the iPad, just writing, as he was dropping off, saying, "We're going to have to close. We can't pull this off any longer." But what we had done is, we'd had a little practice with social distancing, because that weekend before, and going into that week, when it was things like cafés could only be takeaways, so we reconfigured our tea room, to be a takeaway only service. You needed to have social distancing, and one way systems, so we'd started to introduce it.Paul Griffiths:So we had a little practice, which was great, and it meant that we knew how we could reopen. So we were very lucky, in the sense that when, therefore, we started planning our reopening, we'd had a bit of a go, and we knew what would work. So we probably had a little advantage on some of our friends, at other sites, who maybe hadn't had that trial to see what happened. We had to still amend it a bit further. We closed the shop and brought people out of the shop. And then there was all that, "Could you open the shop? Can you open the shop?" And we ended up reopening on the 28th of May, with four days for members. And the first few days we opened, was really emotional. I felt really emotional, having people back in. My team did.Paul Griffiths:I actually remember, during lockdown ... because although we were all working from home, we'd all pop in occasionally, to check phones, and just do little bits and pieces, and also just to make sure everything was all right, and just check on everything. And I came up with my dog, and I walked the dog round the grounds, with not a soul in there. And there was a part of me that thought, "Wow, this is quite special. I'm walking round Painshill, and there's not a soul here." But then the main part of me, was like, "This is really sad. I feel a bit weird, there should be people here. I want public, and people, and stopping, chatting to members and visitors."Paul Griffiths:But what was really emotional was the response we were getting from members who were coming back. There was two particular different incidents. One lady said she'd not been out of her house for nine weeks, and this was the first time she'd come out.Kelly Molson:Wow, yeah.Paul Griffiths:And that was like, "Wow, you've put a lot of trust into us then, because you're coming here, on your first time out." And the second woman ... this was really quite emotional, said ... The stuff we'd sent out, like videos, pictures ... because we were doing lots of blogs, because obviously, you weren't seeing the seasons, and people love ... they'd seen a bit of the daffodils from this blog, and the bluebells, and [inaudible 00:25:20]. All this had just gone without anyone seeing it, this year. And then we had all the chicks, and all the wildlife, giving birth to all their little ones, pottering round the lake. And we were able to put lots, and lots of pictures out. And this woman's come up and said, "All the stuff you've put out, is the one thing that's kept me going."Kelly Molson:Oh, gosh.Paul Griffiths:And you're just like, "We're a tourist attraction, and that's not normally how you ... " I'd never been thanked so much, for basically just doing my job, because we'd got the doors open. And people just kept stopping, saying, "Oh, thank you for getting it open." And just carried on. We opened to the public on the 1st of June, and the numbers have just been phenomenal. I think because we've been very public on how we'd done the social distancing side of it, so people knew before they came. We did a little video, very basically filmed, but it worked really well. Just showing how you were going to come in, which was your route, where the toilets were because we'd closed our main toilets. You'll remember, Kelly, but that was the subject on everyone's lips, wasn't it?Kelly Molson:Toilets.Paul Griffiths:"How do you do toilets?"Kelly Molson:Big issue, yeah.Paul Griffiths:Biggest issue. And we were very lucky, of course, because we're outside. So we closed the main toilets, and put some posh Portaloos in. And people liked them, because there was one cubicle. You opened the door, went in and did your business, came out, and off you went. Bit of a quick hand sanitizer, and off you went, sort of thing. And it worked really well. And yeah, the numbers carried on. August was great, September was good, October has been good. It's just for us, it's this whole, when will the bubble burst? In terms of numbers, which I hope it won't. But it's been very difficult planning, as I know it is for all our colleagues and friends that we chat to.Paul Griffiths:You can't, really, realistically, start planning events and things for next year, because you just don't know what you can do. How many people are going to come to a wedding? How many people are going to be able to come to an event? And things like that.Kelly Molson:I've got so many questions, Paul. Thank you for sharing all of that. That little story, about that lady has really just ... it's just made my heart just pump a little bit. I can completely understand why you were so emotional about that. It's so heartwarming, isn't it?Paul Griffiths:Mm-hmm (affirmative).Kelly Molson:You forget how much places mean to people, what it means to them.Paul Griffiths:I've never been in a job ... I've been in this industry ... I've never done anything else, as you talked about earlier. I've always worked in attractions. And I've never been on first name terms with people before, in an attraction. Or people will stop me, to ask how I ... I used to do a quite a bit of running. I haven't run properly for a while. Literally, we're talking 5K park runs here. I'm not saying marathons or anything. I had a bit of a knee injury, and this chap, regularly now, stops me to ask how my knee ... It's just really nice, because people see us as being part of the ... it's where they come. We do have people who come every single day.Paul Griffiths:They come and walk the dog, they stop, and they have coffees, but part of their experience, is chatting to the staff, as well. It's-Kelly Molson:Is that something new, since lockdown then, or did that happen before, as well?Paul Griffiths:It definitely happened before. I think since lockdown, I've certainly found I've got chatting to a lot more people. I don't know if that's maybe I've changed. I don't know, it just feels that maybe I'm just getting to know people, after I've been here for two years. And I think because I'm ... I'm not meaning this ... trumpet playing, but because I, as director, fronted up a lot of our campaigns, to appeals, and was filming videos of me, talking saying, "We really need support, please ... " and we had a number of ways that people could support us. One of which was, "If you're a member, please stay being a member. Please don't leave us and go. Please renew." We made the decision very early on, that we would add some time onto membership, and went out there. Maybe because we've got a lot smaller membership base, we were able to get our messages out very quickly to people, and tell them what we were doing.Paul Griffiths:And I think, because we are a small, independent charity, with only one attraction, we were only making decisions for one place. Which, I think was harder for some of our friends, and colleagues, where they've got hundreds of sites, or whatever. They were having to consider all sorts of different scenarios, weren't they? When we were only ... consider one.Kelly Molson:I want to ask about membership, actually. Membership and locality, were two really key topics, at the Visitor Attractions Conferences. What we were hearing is that, in a lot of attractions, people purchased memberships, while those venues were locked down. And we were seeing something like a 23 to 25% increase in memberships, across some attractions. Did you find that happened at Painshill? And has your audience changed, as well? So do you have more people coming back, that are locally based now, as well?Paul Griffiths:I'll answer the first part of the question straight away. Yes, we managed to retain our members, and even saw some growth during lockdown, because it was one of the big things we were pushing, saying, "Look, when we reopen, you'll be able to come out and see Painshill, will be able to enjoy the landscape." And I think we certainly have seen a lot of people joining, since we reopened. Because of our small visitor numbers, and because we're only one site, we made a call very early on, as well, that members wouldn't have to book in advance. And that really helped us, because I think we gained a lot of members, because they quite like that flexibility. So if you're a day visitor, if you like, you want to buy a day ticket, you needed to book a slot. That's been great, and there's a number of things we've talked about on that.Paul Griffiths:But for members, I think not having to book meant that they could just have that flexibility to come when they liked, and stuff. And I think that's really helped us push those members. The challenge of course, is we need to keep those members, because my trustee board won't expect to see a dramatic drop in visitor numbers. And they'll be asking me, quite rightly, questions of what we've done. One of the things we're trying to plot now, is what can we do to really impress those members, that if when we get to 12 months from now, you're not having to pre-book anywhere else anymore. Although I'm starting feel like this is going to be on a lot longer than, I think, any of us did think.Paul Griffiths:I just had another [inaudible 00:31:27] there. Why I'm saying that is, because when we reopened in May, I was making decisions based around a summer attraction. And I now have [inaudible 00:31:36] year-round. And we're now having to think, "Well, actually we need to give some thought to heating, and keeping people warm." So our volunteers, and front of house team, we took out ... In the pre-COVID days, at Painshill, you came into the shop, which also doubled up as a visitor center, like so many sites do. And you'd buy a ticket at the desk, and then you'd go and have a lovely time. Whereas, we decided to not make people go in through the shops. They didn't have to go inside, so we bought a couple of little pods, and put them outside, and there's a screen and stuff. And people would turn up with their membership card, or their tickets, and show them, and off they'd go. And I've [inaudible 00:32:15] people.Paul Griffiths:But now, I'm having to think, "We're getting deep into autumn, actually we can't stick two volunteers outside, however many hats and gloves they've got, because it's going to get wet and cold." I hadn't thought of that, in May, because I didn't think we'd still be doing this. Here we are, in autumn, and I think a lot of people were probably in the same boat, but those who opened early, particularly. Actually, we weren't thinking that far down the line.Paul Griffiths:The second part of your question, Kelly, about different audiences. We don't have a great deal of data in the park. Painshill went a bit GDPR bonkers and got rid of everything. Kelly Molson:Right.Paul Griffiths:When Chrissie came onboard, we had about 500 on our database. It's now up to about 10,000. So we're actually building a bank of supporters now, who ... it is brilliant. We've certainly, and totally seen different audiences this summer. We saw a lot more younger people, during the height of summer, particularly if lots of places were still locked down. Lots of people sunbathing, and sitting round, bringing little chairs, and reading books for the day.Paul Griffiths:Traditionally, our [inaudible 00:33:25] time, was an hour to an hour and a half, but people are now spending half a day, if not a whole day.Kelly Molson:That's great.Paul Griffiths:You'd see families turning up, with full-blown picnics. Tables, tablecloths, all sorts of ... and they're putting themself in a spot, then kids were going off and having a lovely time. It's nice, lovely to see it. The only problem with that, is our car park really struggled of course, without having the turnover. And we had a few complaints from members ... and I totally get where they were coming from, but there's not much we could do about it, where they were turning up in the afternoon, for their three o'clock dog walk, to find the car park full. So one of those things we just have to keep managing, and working on.Kelly Molson:Thank you. I want to go back a little bit, actually, because you've mentioned pre-booking, a few times. And it's definitely a topic that ... well, it's a very key topic, mixed opinions on it, I think. I, personally, think that pre-booking is a brilliant thing, and I want to know how you feel about it. Has it worked for you, do you think, and would you like to keep it?Paul Griffiths:Yeah, it's definitely worked, and yes, I'd love to keep it. It's been great, and it's been particularly great during these times because we're managing numbers. So a weekend in October, where we had 1500 people in because we were sold out. Painshill sold out, I never thought when I joined, we'd see the sign saying, "Painshill have sold out," which is lovely in itself, but it has been able to manage the numbers. It's mainly just to make sure that members aren't having a poor experience. Also, people are turning up, and one of our biggest problems is, we are very weather dependent here, and if it's wet, we tend to have a much quieter day.Paul Griffiths:So what we're finding is, if it's raining now, people are still turning up, but they're just putting on their waterproofs. Maybe under their breath, cursing their bad luck, but actually walking around with an umbrella, and getting on with it, and having a nice, romantic walk in the rain, or under an umbrella, cuddled up, whatever. But yes, I'd love to keep it, because it has meant that numbers are coming in. It's brilliant, I remember in your podcast with Carly. I think Carly used the example of Warner Brothers, owning Watford. And I was in that same boat, because when they opened ... and I can remember being in a seminar, where people were talking about it, saying it was pre-booked only. I was like, "No one's ever going to come." And of course, as we know, since it's opened, you've not been able to get a ticket for either love nor money. Kelly Molson:Yup.Paul Griffiths:What a success story, what an amazing attraction, as well. Despite running a historic landscape, I find myself always looking at those bigger attractions, as places that we could just learn so much from. The service, and just everything that these places do, I always think is so good.Kelly Molson:Yeah, I totally agree. I think that there's been a behavioral change, right? People ... they're okay to pre-book now, because it's an expectation of what they need to do, to go and visit the place that they want to go to. I just can't imagine why anyone would want to take that away, if you've already changed someone's behavior to purchase in advance. It doesn't make any sense to me. So I think that they will-Paul Griffiths:No, I agree with you completely. The only thing I think, which would take it away, is if people are upset about it, and it's a demand from the public. They want to just get that flexibility back. I can't deny, there's some times when I have really got frustrated, with the lack of flexibility for places. My little lad, Barney, desperately wants to go swimming, and yet, we just cannot get booked in to go swimming. Now, in the past, we'd have just decided, on Saturday morning, "Let's go swimming this afternoon," rocked up to one of four or five, local swimming pools, and gone and had a lovely time.Paul Griffiths:And the worst-case scenario is, they'd have said, "Oh, there's a half an hour wait, and you've got a band for a session." And you went and sat in Costa, or whatever, and had a coffee, and then cracked on when it's your time. But now, not being to make those decisions, I think is just ... it is a shame, but I think we're very different on that fact, because we're not massively limited. We do have a limit, and we have sold out a few times, but on the majority of days, there are tickets available.Kelly Molson:I think it's what you said earlier, as well, about the length of time that people are spending there. Now, actually your venue is a day trip. It's not just, "I'm going to pop there for an hour, and walk the dog." People are changing the amount of time that they're going to spend there. And then it becomes ... There's another thing about pre-booking, that makes it a little bit more special.Paul Griffiths:Yeah-Kelly Molson:Do you know what I mean? You've got to plan in advance, you're going to do it, and actually you've got that build-up of excitement, because you're going there. I think that's quite nice, as well.Paul Griffiths:I think that's why we also saw all these very, very luxurious picnics, as well, because people had planned, amongst two or three friends ... obviously, no more than six, but had planned to come and meet. We were seeing lots of people, as I was saying earlier, with tables and chairs. But one of the chairs would have a little birthday balloon on it, because obviously, people were coming to do that, rather than go to a restaurant or a pub. And that's particularly before they re-opened. And obviously, now it's just difficult, because we'd like to see our friends, in other hospitality parts of business, supported. But there is a bit of nervousness, isn't there, about people wanting to do things like that?Kelly Molson:Yeah. There is.Paul Griffiths:Every day, the news now, is full of more and more stories of where this could go. And this isn't going away, is it? As much as [inaudible 00:38:39] before.Kelly Molson:We had a question from one of our lovely, regular listeners, Richard G, on Twitter. And he wanted to know how you shared your vision, and motivated your team, to realize the vision for Painshill. And I guess part of that is, how have you kept your team motivated, during the last few months?Paul Griffiths:Gosh, they're two really good questions. I think I mentioned earlier, that we've been able to recruit quite a lot of the team, because the people that were here, when I arrived, really wanted to drive the place forward. I think a number of them wanted to change it for some years, and hadn't been able to. And my philosophy has always been about trialing stuff, "Let's give it a go." I often see that, rather than sit, and write a lengthy business case ... I'm not really a massive fan of writing big, lengthy stuff, but you could give it a go, trial it, and see if it works. You think, "Well, actually it's brilliant." Or if it doesn't work, you can quietly close it away, or never talk about it again, and pretend it didn't happen, unless something has gone disastrously wrong, of course, but I wouldn't go that fast.Paul Griffiths:So I think in terms of motivating the team, initially it was just about people wanting to take the place forward. I made it very clear that I think there was lots and lots of quick wins we could do, just to transform the place, and give it a tart up. I wouldn't say I was a yes man, in the sense, but I will try and say yes to good ideas, and say, "Well, let's give it a go," or, "Let's see how we can develop that. And let's see how we can take that forward." And certainly, getting everyone together, and onboard, and sharing things. It's so important, isn't it? That people know what you're trying to achieve, and buy into it, and you get people on board very early on.Paul Griffiths:In terms of division, of course, things like, as I've mentioned earlier, the work we did with Scott. Everyone was involved with that. The entire team were involved with that, and feeding into it, at some point. So everyone at Painshill, members of staff, lots of trustees, everyone ... We'd almost signed up in blood to ... because we'd all been part of designing that new strapline, that thing. So actually taking that forward ... and everyone knows that we've got to make Painshill, financially sustainable. It can't survive without being sustainable, and it hasn't been for some years, because the only years, when you look back, that Painshill made a profit, if you like, is where very generous donors, in the past, were writing large checks.Paul Griffiths:And those people aren't always around, and there's more of a demand. So we've got to make our operations side financially sustainable, so that if we're getting visitors in through the door, we'll generate enough money to pay the staff, and cover the costs, and stuff. So I think it was a stark motivation, in the sense that we have to make this place work, and let's really try and have some fun while we're doing it, as well. We work in an industry, which is making great memories for people, and giving people great days out. You want people to be leaving going, "What an amazing place." And there was a lot of quick wins. Signage needed changing. There was no guidebook. There was nothing for people to buy, and take away, and learn about. Kelly Molson:Right.Paul Griffiths:The tearoom was quite bland ... is the right word, so we've now to create a bit of a sense of place. We've put some quotes up, on the tearoom wall, from where Painshill's featured in either literature, or people's comments. So two presidents in the United States have visited Painshill, and Adams gave a great quote, about it being the best piece of art seen. And so, we've got that up there, and Painshill features in War of The Worlds, and so we've got a quote up from there. There was a wonderful piece, in a newspaper, about how Queen Victoria used to like to come and promenade here, with Prince Albert.Kelly Molson:Nice.Paul Griffiths:So we've got [crosstalk 00:42:21] there. So actually, it creates a bit of a sense of where we are, and that we've arrived. And in terms of motivation, I think people have motivated themselves, and I think there's been a real ... there was a desire to make sure we got through this. And since reopening, this has been, this outpouring of people, and love [inaudible 00:42:40], I think has driven the team on. I think there has been a lot of exhausted people, and I think you're seeing that across our whole industry, aren't you? Because there's a lot of people, who have worked very hard, without much of a break, since March. I certainly saw it on the face of some of my team, who've been working all the way through the six or seven months, not being on furlough. And I'm not saying being on furlough was easy, from any stretch of the imagination, because I don't think it was, because most people actually wanted to do stuff, and wanted to help.Paul Griffiths:A bit like when you had Rachel and Carlton on, the other day, and Rachel was saying, on the podcast, she wanted to be doing stuff, and couldn't. And I think that was the same for my team. They wanted to volunteer, they wanted to help. Lucy, who looks after our volunteers, wanted to keep doing the volunteers [inaudible 00:43:23]. Of course, we couldn't let her, because she couldn't be doing work for Painshill. Whilst I understood why the regulations came in, I think it affected charities in a way, because they couldn't let people just still help, and keep everything afloat.Paul Griffiths:So yeah, I think it's been an interesting time, and it's been hard work for everyone in our industry. But I think what's pulled it through, has been the fact that everyone's worked so closely together. I think the fact that organizations, like ALVA and the amazing work Bernard's done, through the last ... Well forever, but for particularly [inaudible 00:43:57]. Letting people enjoy webinars, or getting those daily updates, when you're not a fee paying member of ALVA, because you're not a big enough attraction. But actually, the realization that everyone's in it together, I think has just been amazing. And I'm just so grateful for what everyone's done, during this time.Kelly Molson:Yeah, it's been lovely. I think that's been one of the most wonderful things to come out of this. Paul Griffiths:Yeah.Kelly Molson:We're coming towards the end of the podcast, Paul, but I've got two more questions for you. You know we always end up on a book recommendation, but before we get to that, I want to know what's next. So we're in the run-up now, to Christmas. Paul Griffiths:Yes.Kelly Molson:What have you been able to plan, for Christmas, because I'm guessing, it's not what you were expecting to be planning.Paul Griffiths:What we do at Christmas, is we have what we call a Santa Snow train, a land train basically. So if you think of one of the things that potters up and down the seafront, during the summer, with a pretend train at the front, and a few carriages. And the train would chug round the landscape, and delivers kids to the crystal grotto. And then the kids would wait in a tent, with the elves, and they'd play games and stuff. And then the elf would invite them in to meet Santa Claus in the grotto, so you're seeing Santa in a grotto, which is perfect, of course, in many ways. And then you pass them back. We run it during the day, and into the evening.Paul Griffiths:Of course, when it run into the evening, we needed lighting and stuff like that. So there was a lot of outlay of costs, and a lot of concern. And also, we were really struggling to make the train social distance-able. Our booking system wouldn't quite allow it, and couldn't be made to allow it, without us parting with a large amount of cash, which of course, was just adding more onto the risk. So a couple of weeks ago, we made a quite emotional team. We know it works, because some people have spent since last Christmas planning it, and getting everything in place. So actually to have to make the decision to cull it, was really, really hard work. But we made that call, that we would pull the whole event, and really just try and see what we can start again.Paul Griffiths:Now, we've worked with a company, who are relatively local to us, by sheer chance. We got in touch with them ... well, I found them on the internet, and then only discovered, after talking to them, they were not even a couple of miles away. It's one of these, who do large models, so we've used them for the dragons that we're having in half-term, and we've also had some dragons before. So they are doing, what we're calling the Snowfari trail around the grounds. And this is just literally, people will walk round the grounds, in their own little bubble. So no train, no grotto, no tent to wait in. Because obviously, the other thing to it, if we have kids waiting in the tent, we've got to entertain them.Paul Griffiths:Now, last year, myself and a number of other parents, as it were, brought in out of ... not out of date, toys that their kids had stopped using. So Barney's old train set, was merrily set up for playing. And kids were loving it, because they'd come in play around a bit, and off they'd go. But of course, we couldn't let kids do that. They can't be handling toys, that other kids have just handled. So we've got the Snowfari coming, which is going to be a really ... Well, I hope and I know, cracking walk around the grounds, looking at penguins, and polar bears, and looking for reindeer, and there's some gingerbread men in a big tree.Paul Griffiths:And then we're doing a sort of tea with Santa. And this will be quite a limited capacity, but we are doing some form Santa event. And that's just used in decking up one of our ... a function conferencing room, but in a nice, Santary way, and kids and families will come in, sitting in tables and then we'll ... socially distance obviously, have a cup of tea. It's not like an afternoon tea, but tea and a slice of cake, or a mince pie. And then Santa will come in, tell a little story, and then you go up individually, to meet him. So at least there is a, Santa is not, not coming to Painshill.Paul Griffiths:The main thing will be the trail, I'm going to try and push that, so people can walk outside, wrap up warm, and just enjoy the landscape, with multiples of animals, all over the place.Kelly Molson:Yeah, I think that sounds really fun. I think that there's some Instagram-able moments there, Paul, isn't there? For sharing on social media, for sure.Paul Griffiths:Yeah, I'm sure there is. I'm sure people can have a lovely time with Instagram.Kelly Molson:We'll convert you, eventually. Thank you for sharing all of that. Last question, which we ask all of our guests, which is, do you have a book, that you recommend, that has helped shape your career in some way, or you just would like to recommend to our listeners?Paul Griffiths:Oh, gosh. Yeah, I thought a bit about this, actually, and I was trying to think of a book. I'm just trying to think of one about work. But then I noticed ... I was going to pick one by one of your former guests, actually, which was Creating Magic, by Lee Cockerell. I, back in my Mary Rose days, we had a team away day, and I bought everybody a copy of this, before ... so none of them can apply to get the book off you, Kelly. I made everyone read it, before we then had a session, because what was in there, was so many good points about ... all around trying to take away problems from visitors. And I was so impressed with that. And that's why I've always been ... I mentioned earlier, looking at the larger attractions, or companies, or how they manage to do stuff, and think, "Well, how could we do that, to make things easy?"Paul Griffiths:I was so impressed with the story, that Lee told in one of his podcasts when they started taking the luggage from people. So actually, wave goodbye to your suitcase, at Heathrow now, and you next see it in your hotel room, in Orlando. So I just noticed it, and that's a really, really good book.Kelly Molson:Great. That's a really good book recommendation, and I'm sure that when Lee listens to this episode ... because if he isn't a subscriber, he absolutely should be-Paul Griffiths:Definitely, yeah.Kelly Molson:... He'll be delighted, that you've recommended that. So thank you. As ever, if you would like to win a copy of that book, then if you head over to our Twitter account, which is Skip_the_Queue, and you retweet this episode announcement, with the comment, "I want Paul's book." And you will be in with a chance of winning it.Kelly Molson:Paul, thank you. I've loved having you on the podcast today. I think it's been a brilliant episode. I'd really like to say a big thank you for how ... again, everyone that comes on, is superb, but people are so honest, and so open, and so happy to share their experiences, so thank you for doing that today.Paul Griffiths:No, thank you for having me. It's been great.Kelly Molson:Thanks for listening to Skip The Queue. If you've enjoyed this podcast, please leave us a five-star review, it really helps others find us. And remember to follow us on Twitter for your chance to win the books that have been mentioned. Skip The Queue, is brought to you by Rubber Cheese, a digital agency, that builds remarkable systems and websites for attractions that helps them increase their visitor numbers. You can find show notes and transcriptions from this episode and more over on our website, rubbercheese.com/podcast.
We watch "Time Heist" (Series 8, Episode 5) where the Doctor and Clara 'Doctor’s 4' an impenetrable space bank vault. After recruiting various criminal masterminds they recover items from the vault that fix their unwitting compatriots: Psi gets a brain implant, Saibra gets liquid courage, and the Teller gets their broken heart repaired. Whilst said heisting was going on, the Doctor discovers he was the man behind the curtains and Clara realizes there’s no place like home. Otherwise she’ll be late for her date with Scarecrow... I mean Danny! (Today’s mixed movie metaphor is brought to you by the letter D... for Deadline and Desperation.)
Welcome to Finance and Fury, the Say What Wednesday edition. This week’s question is from Ruby. “I was speaking to my husband and we want to help financially prepare our children and I am just wondering if you have any strategies to help with this?” Thanks for the great question - Depends what you mean by preparing for your kids financially – Two ways to view this – the monetary side - i.e. them having access to funds or having expenses covered for how they value money – which comes back to the financial education side of the equation In my view – giving kids all the money in the world without the educational side can set up children for a worse outcome in life – without understanding value of money it can create – Talked about how to do this in a previous episode - Why is talking to your kids and family members about money so important? – where it was mainly about misconceptions – and using monopoly as a good tool as opposed to the zero-sum game it instils How to educate children financially – As a parent, you have the power to shape your child's relationship with money – many things that can be done to help improve their financial education Why –nobody else will help to confer this information and thus Teach them about value of money – Kids don’t understand value of not just money as a medium of exchange – but that their time has valued attached to it – I don’t think some adults know that either Financial education for younger children is all about Instilling the value of money– one of the best ways to secure their financial futures – slightly different to a form of financial education that an adult would have – teaching asset pricing models, etc. In a way – if you can cover the basics - this education is better than a gift of money – You could give a 15-year-old $50k – but if they don’t understand money – then this can be gone very quickly – however – if they understand money – this could be a great step in the right direction One of the best gifts that I received was this form of informal financial education Can be hard for kids – they are essentially socialists – thinking that everything should be free at younger ages – Everything is technically free to them – the younger they are – everything is normally provided for them How to do it First major step is just talking to your kids about money - You don't need to be an expert to teach kids about money There is a taboo surrounding talking to kids or anyone about money – some people think that it is rude Depends on the intent – if someone comes up to you and asks how much you earn or have just to brag that they have more – that would be rude But talking to family – or even friends about money – if the intent is right – then that shouldn’t be shunned Just start a conversation about money when the opportunity comes up at home or when you're out These chances will come up all the time - Your kids will naturally ask you for the things they want. It's hard when you have to say no. Talk about how we all have limited money and we need to carefully decide what we spend it on One client had a good strategy for this – her daughter really wanted to go to uni – so we were setting up education funds If her daughter asks for something at the shops – then she lays out the opportunity cost – that the money would otherwise be going towards university costs for her - This can help kids to understand that money can be finite compared to wants – Wants versus needs – the economic problem – how to maximise utility with finite resources Whilst income and wealth can grow – it is technically finite compared to the potential for unlimited wants that people can have This conversation can expand to the concept of how you earn money – the exchange of your time at work for money The concept of priorities can come in here – where you have to spend time working to provide Reinforcing needs versus wants – all about priorities – Break down goods into essentials – housing, food, bills, clothes – there is always a choice – Have your kids make some choices – discussing the differences between needs and wants – If you ask your kids once they can comprehend the differences – should be spend money on keeping the house (through mortgage repayments) or on new toys? Gets them to think about money – To reinforce the concept of essentials versus wants – can help through explaining where money gets spent – Going through the weekly budget - Use everyday situations to teach your kids about money, including where it comes from and where it goes When out shopping - can teach your kids how much things cost by showing them different prices for similar items, how to compare deals, how to work out which items are better value, how to work out price differences and discounts If you have the time – which if this is important – there should be time – ask them which item is better to buy? For the essential expenses – talk to your kids about bills and expenses – Relate this back to the concept of exchanging time for the money – how many hours did you need to work to pay for these expenses? Helps to further reinforce the concept of value of money – that it isn’t free and that spending decisions have consequences – For example – if you worked 5 hours to cover the quarterly electricity bill – and decided to use that money on some grown up toys instead – then the lights wouldn’t be on – that wouldn’t be a very responsible decision This is all about getting your kids involved in making money decision Can extend to other things around the house – but as your kids get older, get them involved in budgeting, saving and spending Have them do a budget for themselves – or sit down whilst you do yours Help them put a budget together – especially if they are at an age where they are either earning their own money or earning pocket money Brings up the concept of pocket money – shouldn’t be just giving kids pocket money – but them earning this – to reinforce the time value of money Child labour is only illegal if it isn’t your own children – bit of a loophole here – but all jokes aside - Having your children help around the house in return for pocket money can help them to understand the value of money – as well as understand the concept of time and effort in exchange for a monetary rewards – i.e. an income – You can choose to pay them for certain tasks around the home – plenty of chores to choose from As an example – mowing the lawn, vacuuming the house, washing the car, taking the rubbish out, cooking dinner or making school lunches, hanging out and bringing in the washing, packing and unpacking the dishwasher, walking the dog – place a monetary value to each – and they get pocket money for completing each here I might suggest against doing this for doing homework – up to you Either way - make sure you withhold or reduce their pocket money if the tasks are not done or not done properly teach kids that they only get paid when work has been done to a certain standard – value – exchange of money for services rendered At this stage – you can bring in the reinforcements of encouraging kids to save – once they are earning their own incomes – either through pocket money or if they have their own jobs Learning to save is a vital money lesson. Piggy banks and bank accounts - Piggy banks are great for younger kids. They can see the money they’re putting away and watch it grow as they save. Opening a savings account is a good way to introduce kids to banking, saving and interest. Set money goals - Help your kids avoid impulsive purchases by teaching them to set goals and to prioritise what they spend their money on. When your child wants to spend money on an impulse purchase, remind them about the goal they are saving for. Work out how much longer they'll have to wait to reach their goal if they decide to spend today. Get your kids to work out how long it will take them to reach their savings goal or to save up for something special. This is a time where the basic concepts of supply and demand can be taught as well On top of this – if you have set up investment structures for your children – covered this in another episode – called How to best invest for Children or Grandchildren? You can break this information education down into different stages Start introducing some concept to children around the ages of 5-8: Needs and wants - Kids consider the difference between needs and wants. Start giving some chores at the ages of ages 8-10 – have savings accounts set up for them and all them to set budgets - decide between needs and wants, create a simple budget and learn about making wise financial decisions. By around 14-16 – they can start making their own spending decisions – would likely have some funds saved up by this stage – so if they want something bought for them – they always have the option of purchasing this for themselves From 15-18 – they should have a good base – getting their first jobs outside of chores in the house Having to look into things like incomes, taxes, super accounts, etc Help prepare them to move out of home as well – When older kids get their first job, they're often tempted to spend all their money at once. Show them how to track their spending to see where all their money is going. Also – a good time to start talking to them about what they would want to do to earn an income – what they would be happy to do – exchanging their time in return for money for In summary – no correct one way to do this – these have just been some tips – The most important thing that you can do is provide kids with a financial education – they aren’t likely to get a better one than what you can provide Help them understand the value of money – not just as a concept but by living it – working for pocket money and allowing them to make their own spending decisions Thank you for listening to today's episode. If you want to get in contact you can do so here: http://financeandfury.com.au/contact/
In this episode, we chat with Stu Macdonald, Founder at ManiLife - The fastest growing Peanut Butter brand in the UK.As the original creator of the deep roast ManiLife were the first peanut butter brand on earth to start thinking about roasting peanuts the same way master roasters think about coffee. ManiLife prides itself on creating flavour through craft rather than added ingredients.A deeper roast means a deeper flavour. We had to tread carefully as deep flavour can become bitter if you go too far. We think we finally got it right (and have the 3 great taste stars to prove it).When started ManiLife making 4,000 jars one jar at a time. Proper. Small. Batches. Whilst their batches aren't quite that small anymore, they've maintained the same principles and pride as being one of, if not the only majorly distributed peanut butter brand in the UK that produces in small batches.During the episode we spoke about:Creating that first batch of 4,000 handmade jars in a kitchen at a rugby clubCreating Mani moments of happynessTaking the company from a hobby, to a start-up to a scale-up businessGetting your product on the shelves in the larger supermarkets or multiplesStu has also created a discount code for all you amazing listeners to get 20% off your first order from the Mani-Life website use the code DARRENSCLAN at checkout to try this amazing product.
How much do you know about what happens to your money when you die? Whilst nobody really likes to think about dying itself, the decisions that you make now will have a major impact on the people you leave behind… Death is an expensive and cumbersome process, made even more so if you don’t have an estate plan in place. Today, Coreen van der Merwe talks about estate planning and the role of trusts, and throughout the discussion of this fairly complex (but hugely important) topic, I translate the more technical concepts in a way that everyone can understand.
If you need financial advice, how much should you expect to pay for it? Of course, the cost is what you pay, but value is what you receive. The value needs to exceed the cost for it to be worthwhile. So, how do you assess the value of financial advice?Whilst the answers to these questions can vary significantly, we must take into account that value assessments can be subjective, and I wanted to share my insights to help people with this analysis.Financial advice fees create tensionOn one hand, the lower the financial advisory fee you pay, the more money you save to invest and that has to translate to a higher likelihood of achieving your financial goals.On the other hand, in many respects, you get what you pay for. The cheapest financial advice is not always the best.Your willingness to pay more for financial advice may create some valuable consequences:§ It is likely that you will attract an advisor with more experience. An advisor with 20 years of experience isn’t going to work for $20 per hour – a graduate with zero experience might;§ It will allow that person to spend more time thinking about (analysing) the advice they give you. However, if profit margins are very thin, it inevitably creates pressure to cut corners – and certainly no scope to provide proactive advice; and§ The more human and economic resources a firm has, the more it can invest in their people and systems to continually improve the value they provide you. Better research, more analysis and more thinking time creates value in the long run.The truth is, because of the tension advisory fees create, a balance must be found. The fees you pay must be as low as possible. But not too low that it risks the value of the advice you receive.How much does it cost to give financial advice?The cost of giving financial advice can typically be categorised into four components.(1) StaffingThe cost of employing the right people can be significant. The quality of the people determines the quality of advice and service that you can expect to receive.Of course, the knowledge and experience of the advisor is paramount. Someone with very vast knowledge and many decades of experience will usually command a higher salary.For example, I’ve spent years honing my craft, learning, investing in myself. Consequently, the advice I give is substantially more valuable than an advisor with only a couple of years of experience. But it comes at a cost.(2) Compliance and riskThere are a number of costs associated with having your own financial services license (AFSL). These include paying for an audit at least annually, training and education, license related fees paid to ASIC, professional indemnity insurance – the cost of which rivals some of the riskiest medical occupations and the time cost of fulfilling all compliance obligations.Giving advice does not come without risk. Advisors accept a huge responsibility for formulating the right advice. Advice on simple matters is of course a lot less risky. However, advice that involves large sums of money or complexity carry higher levels of advice risk, because even small errors or misjudgements can have significant financial consequences (in dollar terms). Higher risk engagements attract higher levels of advisor compensation (fees).(3) OverheadsAll businesses have overheads including office occupancy, technology and software costs and so on.(4) ProfitA sustainable business must make a profit. The profit must be sufficient enough to compensate the owners for the business risks and provide a return on the capital contributed towards the business including any sweat equity. You don’t necessarily want the firm to be making huge profits, but they must have a sustainable business.Average cost of adviceLast month industry consultants estimated that advisers need to charge an average fee of at least $3,500 per client. The cost to deliver a Statement of Advice is estimated to be $6,500, on average. The main theme is that the cost to operate a financial advisory business has increased substantially over recent years.I estimate the cost of compliance, risk and overheads to be over $2,000 per year per client. That’s a basic cost that needs to be covered before we even do one minute of work.Most advisors charge annual fees in the range of $3,000 and $20,000. Some advisor fees are based on a percentage of your assets, which you should avoid, as it is rarely a fair representation of the work involved.There needs to be enough scope for an advisor to add value in excess of feesThe more complexity you have and/or the more money you have to invest, the more scope there is for an advisor to add value. If you have a large investment balance, a small improvement in investment performance can have a significant impact in dollar-value terms. Hence the cost of advice is easily offset by the value of the advice.However, if there is little scope to add value or you have little to invest, offsetting the cost of the advice (with value received) will be challenging.For example, I estimate it would cost me at least $3,000 per year to look after a client with a share portfolio of $200,000. That fee only covers my costs. That fee equates to 1.5% p.a. of the portfolio’s value. Therefore, for the client to be better off, I would have to generate an additional investment return of more than 1.5% p.a. than say what a diversified index fund could provide. Of course, this is possible, but why take the risk. As such, I would never agree to take on this client. Fees are certain, returns are not.Of course, if this prospective client had other needs that I could help with, the value of that would need to be taken into account.How do you value advice?Clearly the value that financial advice produces must significantly exceed its cost. Most prospective clients find this value assessment a difficult and subjective assessment to make. For example, sometimes perfectly sound financial advice doesn’t improve your net worth until some years later. Does that mean it is worthless? Of course not.I have identified four sources of value.Formulating a long-term planFew people have the requisite knowledge and experience to develop a holistic, long term financial strategy. A strategy must consider many factors including cash flow, risk, asset allocation, level of borrowings including how to repay them, how superannuation integrates, tax, estate planning and risk management. Having a clear and simple-to-understand strategy outlining what you need to do over the coming years to achieve a comfortable retirement is very valuable. Whereas, implementing the wrong strategy can cost a lot of money and waste a lot of time.Correctly implementing the planA financial plan is worthless unless it is implemented correctly. This includes knowing which methodologies to use and when, when to invest more or not at all, what tactical changes to make, which advisors to trust (e.g. buyers’ agents) and so on. I’ve seen people destroy a lot of value through incorrectly implementing an otherwise perfect strategy. Avoiding making just one insidious mistake could save you literally several tens of thousands of dollars. A small 0.5% p.a. higher return on $500,000 will generate nearly $50,000 in additional value after 10 years (and $190,000 over 20 years). Even small, incremental improvements in returns can create substantial value.Navigating inevitable changes and opportunitiesNo one needs reminding this year how unpredictable life and markets can be. It is valuable to be able to lean on a trusted advisor that understands your circumstances and your goals, to counsel you through turbulent times, difficult decisions and the like. In my experience, it can be difficult for clients to make decision when they are under emotional and/or financial pressure.Apart from things like pandemics, there are lots of things that can change over time including your personal circumstances, your goals, financial markets, new investment opportunities, tax and super rules and so on. Each change can create risks and opportunities.Higher confidence, less stress, freedom and happinessOften my clients say that they enjoy sharing the responsibility for making financial decisions for their family. That is, this responsibility no longer solely rest on their shoulders, which can be a burdensome obligation. Making financial decisions is also not their core skill, which adds to stress levels. Whereas I am almost always thinking about investing, as it’s something I’m deeply passionate about, unlike most (all) of my clients. It is also my job to take responsibility.Why most advisors prefer to not offer once-off adviceSometimes clients request us to provide once-off, piecemeal advice on a specific financial planning matter. We rarely do this work, particularly if they are not an existing client.Providing once-off advice is often unrewarding, both professionally and commercially. There’s a substantial amount of emotional labour involved in building a trusted relationship with a client. Getting to know them, their goals, risk profile and so on. To do all this work, as well as fulfil all the compliance obligations, without any expectation of being around in the future to see how the advice turns out is unrewarding.The best thing about working with clients on an ongoing basis is that you both invest in nurturing a relationship based on mutual trust. You have a shared goal. You share the successes along the way and, from an advisor’s perspective (at least mine), this gives me confirmation that the advice I give creates positive financial and lifestyle outcomes. I am proud of the work I do.This rarely exist with once-off advice, as there’s inevitably commercial pressure to rush towards the next assignment. That is why most advisors only work with ongoing clients.Advice laws need to changeAs we learnt from the Royal Commission in 2019, financial advice laws have done little to protect people from dodgy financial advisors. Now that investment commissions (vested interests) have been banned, laws need to be re-written.The ‘compliance’ cost of providing advice is way too high. If I know what a client should do and the best solution is obvious, I would like to be able to give them this advice without needing to fulfil onus and valueless compliance obligations (such as drafting a 30-page document). The ability to do so would reduce the cost of providing advice and consequently make it accessible to more people. The government (ASIC) is aware of this and has recently announced it will waste time and taxpayers’ money on a project to identify the cause – even though the answer is obvious!What are your options if paying for advice is uneconomical?If it’s not economical for you to pay for personalised advice (i.e. cost is greater than the value), then there are a few alternative resources available to you.Of course, you can educate yourself – there are lots of great blogs and podcasts that are available for free. And of course, books include a wealth of knowledge for only $30.Some of the industry super funds (such as AustralianSuper) have their own financial planning teams that offer fee-for-service advice. This can be an economical means of obtaining once-off financial advice. Of course, they are not independent (from a super perspective), and probably don’t provide advice in respect to direct property.If you would like advice in respect to investing in shares, Vanguard’s website has a plethora of valuable information and its diversified index funds are worthy of consideration (which you can invest in for free via its new Vanguard Personal Investor service).Give equal consideration to both ‘value’ and ‘cost’Financial advice can be incredibly valuable - a lot more valuable than it costs - as long as; (1) there’s enough scope for the advisor to add value; and (2) you select the right advisor (i.e. experienced, astute, independent and holistic). Yes, it can be expensive but that is only one side of the coin.
Full Text of ReadingsMemorial of Saint Leo the Great, Pope and Doctor of the Church Lectionary: 492All podcast readings are produced by the USCCB and are from the Catholic Lectionary, based on the New American Bible and approved for use in the United States _______________________________________The Saint of the day is Pope St. Leo the GreatNov. 10 is the Roman Catholic Churchs liturgical memorial of the fifth-century Pope Saint Leo I, known as St. Leo the Great, whose involvement in the fourth ecumenical council helped prevent the spread of error on Christ's divine and human natures.St. Leo intervened for the safety of the Church in the West as well, persuading Attila the Hun to turn back from Rome.Eastern Catholics and Eastern Orthodox Christians also maintain a devotion to the memory of Pope St. Leo the Great. Churches of the Byzantine tradition celebrate his feast day on Feb. 18.As the nickname soon attributed to him by tradition suggests, Pope Benedict XVI said in a 2008 general audience on the saint, he was truly one of the greatest pontiffs to have honoured the Roman See and made a very important contribution to strengthening its authority and prestige.Leos origins are obscure and his date of birth unknown. His ancestors are said to have come from Tuscany, though the future pope may have been born in that region or in Rome itself. He became a deacon in Rome in approximately 430, during the pontificate of Pope Celestine I.During this time, central authority was beginning to decline in the Western portion of the Roman Empire. At some point between 432 and 440, during the reign of Pope St. Celestines successor Pope Sixtus III, the Roman Emperor Valentinian III commissioned Leo to travel to the region of Gaul and settle a dispute between military and civil officials.Pope Sixtus III died in 440 and, like his predecessor Celestine, was canonized as a saint. Leo, away on his diplomatic mission at the time of the Popes death, was chosen to be the next Bishop of Rome. Reigning for over two decades, he sought to preserve the unity of the Church in its profession of faith, and to ensure the safety of his people against frequent barbarian invasions.Leo used his authority, in both doctrinal and disciplinary matters, against a number of heresies troubling the Western church including Pelagianism (involving the denial of Original Sin) and Manichaeanism (a gnostic system that saw matter as evil). In this same period, many Eastern Christians had begun arguing about the relationship between Jesus humanity and divinity.As early as 445, Leo had intervened in this dispute in the East, which threatened to split the churches of Alexandria and Constantinople. Its eventual resolution was, in fact, rejected in some quarters leading to the present-day split between Eastern Orthodoxy and the so-called non-Chalcedonian churches which accept only three ecumenical councils.As the fifth-century Christological controversy continued, the Pope urged the gathering of an ecumenical council to resolve the matter. At the Council of Chalcedon in 451, the Popes teaching was received as authoritative by the Eastern bishops, who proclaimed: Peter has spoken through the mouth of Leo.Leos teaching confirmed that Christs eternal divine personhood and nature did not absorb or negate the human nature that he assumed in time through the Incarnation. Instead, the proper character of both natures was maintained and came together in a single person.So without leaving his Father's glory behind, the Son of God comes down from his heavenly throne and enters the depths of our world, the Pope taught. Whilst remaining pre-existent, he begins to exist in time. The Lord of the universe veiled his measureless majesty and took on a servant's form. The God who knew no suffering did not despise becoming a suffering man, and, deathless as he is, to be subject to the laws of death.In 452, one year after the Council of Chalcedon, Pope Leo led a delegation which successfully negotiated with the barbarian king Attila to prevent an invasion of Rome. When the Vandal leader Genseric occupied Rome in 455, the Pope confronted him, unarmed, and obtained a guarantee of safety for many of the citys inhabitants and the churches to which they had fled.Pope St. Leo the Great died on Nov. 10, 461. He was proclaimed a Doctor of the Church by Pope Benedict XIV in 1754. A large collection of his writings and sermons survives, and can be read in translation today. Saint of the Day Copyright CNA, Catholic News Agency
We can all agree that 2020 has been a weird year and you probably think that this has been the strangest time of your life. Whilst we agree with you on that, we also wanted to dig up some throwbacks, some of the ridiculous challenges and trends from the past decade. So 2020 might have been a really weird one but there actually have been some crazy, silly and odd things from the past that can make us feel better about this year.
EPISODE NOTES In this episode, Claire talks with Scott Cranfield: author of ‘The Wise Bear Stories’ which are a series of children’s books focusing on personal development. Scott talks about his background as a professional golfer and how this led to coaching the sport and a growing fascination with human behaviour. Scott’s collection of children’s books focuses on a range of emotional principles, based on real events, which supports readers in gaining more understanding of feelings and possible responses. Throughout this episode, Scott discusses how, in every situation, there will be positive and negative aspects. He outlines the skills involved in approaching negative events differently and the importance of looking for the positives that can be derived from such situations. Buy The Wise Bear materials: https://wise-bear.thinkific.com/?ref=90753e 20% Discount Code: TEACHER KEY TAKEAWAYS The human brain recognises the positive and negative aspects of situations. Whilst we may strive for a one-sided life filled with positivity, we won’t ever, realistically, achieve that. However, it is understanding our minds, and knowing how to work with our minds, that enables us to return to a balanced state. Our minds are always aware of both sides - positives and negatives - and when we encounter and focus upon the negatives, we need to ask ourselves questions in order to discover the positives. Encourage children to delve into their own minds. Through stories and conversations, adults should encourage children to find their own answers when they are involved in conflicts. Although adults will naturally support children by asking questions following disagreements, ultimately, we need to encourage children to reflect upon situations and ask themselves questions to find their own way out of challenges. Use stories as a resource. ‘The Wise Bear Stories’, based on true events, centre on six areas of personal development which, in terms of emotional wellbeing, can be linked to many events familiar and relevant to children. The principles that underpin these stories, or conversation starters, are important life skills. Activities that follow the stories encourage children to apply their understanding to their own life and experiences. Switch your mindset. Other people’s personalities and behavioural traits may cause us frustration. If we can alter our mindsets and see how those traits and behaviours help us, and help us to grow, then we can change our perceptions and this, in turn, helps us respond differently. We should, then, support children to do the same and invest the time to do so to help them find the balance in challenging situations and help them see that what they think is a negative experience also, likely, has some positives too. BEST MOMENTS “[Children] now have the ability to know how to look at something and bring it back into some kind of balance.” “Every person is unique and every person has different things that are important to them and so we process the world based on that. We might look at something and get frustrated with that; somebody else could look at it and not be bothered about it at all.” “I think probably the ultimate thing for me on personal development is helping ourselves bring our mind back into a balanced state because, when we are balanced, we have mental wellness.” “When you understand human behaviour, you understand the essence of universal energy [that helps us] grow as individuals. We’re going to be given events, people in our life, challenges, different situations that are designed to help us grow.” “When we understand the truth about the human mind we actually begin to realise the human mind is always balanced but we rarely look for that. We tend to seek the things that we think make us happy, that are positive, and we try to avoid the things that make us sad and we think are negative.” “[The positive and negative aspects of our thoughts] both serve, both are required, both are absolutely necessary. The place where they will be most fulfilled and satisfied is when they’re [centred].” “I get challenge, and support, from my friends and family and it helps me to grow.” “I’m going to get in situations where I’m challenged, whether it be at school [or] in the workplace. How do I turn that around and see the support of that?” “We perceive something and then we give that a meaning. It’s the meaning that actually gives us the feeling, and if we can change the perception by asking a question to help balance that out, then we will change the meaning behind that event.” VALUABLE RESOURCES The Wise Bear Stories: https://thewisebearstories.com Scott Cranfield – Facebook: https://www.facebook.com/thewisebearstories Scott Cranfield – Instagram: https://www.instagram.com/thewisebearstories Scott Cranfield – LinkedIn: https://www.linkedin.com/in/scott-cranfield-3a65665/ Classroom Secrets Kids: https://kids.classroomsecrets.co.uk The Teachers’ Podcast: https://www.facebook.com/groups/TheTeachersPodcast/ Classroom Secrets Facebook: https://www.facebook.com/ClassroomSecretsLimited/ Classroom Secrets website: https://classroomsecrets.co.uk/ LIFE/work balance campaign: https://classroomsecrets.co.uk/lifeworkbalance-and-wellbeing-in-education-campaign-2019/ ABOUT THE HOST 'My mother is a teacher. I will never be a teacher.' - Claire Riley Claire arrived at the end of her performing arts degree with no firm plans to move into the entertainment industry. A fully funded secondary teaching course seemed like the perfect way to stall for a year on deciding what to do with her life. Turns out, teaching was her thing. Three years in a challenging secondary school - check. Two years in primary schools with over 90% EAL children - check. Eight years doing day-to-day supply across 4-18 - check. If there's one thing she learnt, it was how to identity the best ideas from every school in terms of resources and use that knowledge to create something that would work for teachers far and wide. In 2013, Classroom Secrets was born. Claire had seen other resource sites and wanted to add something to the market that she felt was missing. More choice + More quality = Balance. Claire is a self-proclaimed personal development junkie and is always looking for ways to learn and improve. It's usually centred around business, her new-found passion. In 2019, Claire launched The Teachers' Podcast that hits the charts on launch and is listed in the top 200 educational podcasts most weeks. The Teachers’ Podcast is a series of interviews where Claire meets with a wide range of guests involved in the field of education. These podcasts provide exciting discussions and different perspectives and thoughts on a variety of themes which are both engaging and informative for anyone involved in education. See omnystudio.com/listener for privacy information.
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