Podcasts about Xerox

Moving to a new city can feel like starting over—but it doesn't have to. In this episode of Social Intelligence, AJ Harbinger and Johnny Dzubak break down a science-backed three-step strategy to plug into a brand-new social circle in weeks, not months. Whether you're relocating or just looking to shake up your current routine, you'll learn how to find the right spaces, start meaningful conversations, and turn physical activity into instant connection. Plus, you'll walk away with this week's Triple Stack Challenge that jumpstarts your social success. What to Listen For [00:00:00] Why moving is the perfect moment to build a better social life [00:02:00] The danger of bubble living—and how to break out of it [00:03:30] What is a “third place” and why it's the secret to meeting new people [00:07:30] Johnny's story: How bartending made him everyone's first friend [00:09:00] Client story: How Luke built a social circle through a run club and open mic [00:10:00] Framework #2: The “Because Disclosure” to trigger instant trust [00:12:00] How to make small talk meaningful with personal micro-disclosure [00:13:00] Framework #3: Use physical activity to create social glue [00:14:00] Client story: From workouts to racketball to finding your tribe [00:15:00] Weekly Practice Plan: Block time, script disclosures, and test workouts [00:16:00] Triple Stack Challenge: Third place → Opener → Invite Episode Takeaways Within the first 90 days of moving, forming one close tie can increase happiness by over 50% Avoid "bubble living" by identifying a third place outside work and home Repeated presence at third places creates propinquity—we like who we see often Use “because disclosures” to spark trust and show vulnerability instantly Even trivial reasons build connection, thanks to Ellen Langer's Xerox study Join group physical activities (run clubs, fitness classes, rec sports) for biochemical bonding Use the Triple Stack: Pick a third place, open with a disclosure, invite to an activity Prep matters—script disclosures, treat social outings like meetings, and take brief notes after interactions to increase recall and follow-up success A Word From Our Sponsors Tired of awkward handshakes and collecting business cards without building real connections? Dive into our Free Social Capital Networking Masterclass. Learn practical strategies to make your interactions meaningful and boost your confidence in any social situation. Sign up for free at ⁠theartofcharm.com/sc⁠ and elevate your networking from awkward to awesome. Don't miss out on a network of opportunities! Unleash the power of covert networking to infiltrate high-value circles and build a 7-figure network in just 90 days. Ready to start? Check out our ⁠CIA-proven guide⁠ to networking like a spy! Indulge in affordable luxury with Quince—where high-end essentials meet unbeatable prices. Upgrade your wardrobe today at ⁠quince.com/charm⁠ for free shipping and hassle-free returns. Ready to turn your business idea into reality? Shopify makes it easy to start, scale, and succeed—whether you're launching a side hustle or building the next big brand. Sign up for your $1/month trial at ⁠shopify.com/charm⁠. Need to hire top talent—fast? Skip the waiting game and get more qualified applicants with Indeed. Claim your $75 Sponsored Job Credit now at ⁠Indeed.com/charm⁠. Curious about your influence level?  Get your Influence Index Score today! Take this 60-second quiz to find out how your influence stacks up against top performers at ⁠theartofcharm.com/influence⁠. ⁠DCM Insights⁠ ⁠The Activator Advantage: What Today's Rainmakers Do Differently⁠ ⁠The Challenger Sale: Taking Control of the Customer Conversation⁠ ⁠HBR: What Today's Rainmakers Do Differently⁠ ⁠AJ on LinkedIn⁠ ⁠Johnny on LinkedIn⁠ ⁠AJ on Instagram⁠ ⁠Johnny on Instagram⁠ ⁠The Art of Charm on Instagram⁠ ⁠The Art of Charm on YouTube⁠ ⁠The Art of Charm on TikTok Learn more about your ad choices. Visit megaphone.fm/adchoices

All links and images for this episode can be found on CISO Series. Check out this post for the discussion that is the basis of our conversation on this week's episode co-hosted by me, David Spark (@dspark), the producer of CISO Series, and Yaron Levi, CISO, Dolby. Joining us is Joey Rachid, CISO, Xerox. In this episode: It's a balancing act Choose to leave the kids' table Your team is essential Don't change CISOs midstream Huge thanks to our sponsor, Blackslash Backslash offers a new approach to application security by creating a digital twin of your application, modeled into an AI-enabled App Graph. It categorizes security findings by business process, filters “triggerable” vulnerabilities, and simulates the security impact of updates. Backslash dramatically improves AppSec efficiency, eliminating legacy SAST and SCA frustration. Learn more at https://www.backslash.security/  

Brian Piper is an author, speaker, and consultant.  In this episode, returning guest Brian talks about his recent shift into full time consulting, blending his background of content optimization, marketing, and strategy with the opportunities of AI.  We dive deep into building communities and how to be audience-centric, while leveraging AI responsibly to deepen connections.Brian Piper is an author, award-winning international keynote speaker, and consultant. Brian has been optimizing digital content since 1996. He has created online training programs for dozens of companies, including Xerox, L3Harris, IBM, and Volvo, and has spoken at hundreds of conferences and events.Brian has spent the last eight years focusing on data analytics, digital marketing, and content strategy. Since 2021, he has been diving into AI, web3, community building, and the metaverse.Brian wrote Epic Content Marketing for Higher Education and co-authored the second edition of Epic Content Marketing with Joe Pulizzi. He is a contributing author and co-editor of The Most Amazing Marketing Book Ever with Mark Schaefer and a contributing author of The Content Entrepreneur with Joe Pulizzi. Brian was named one of the top higher education marketers to follow in 2023 and 2024.Brian is the host of the AI for U podcast, which focuses on practical AI implementation and use cases in higher education institutions.He is chair of the Marcom AI Committee and a member of the AI Council at the University of Rochester.When he's not creating data visualizations, he teaches wingsuit skydiving and spends time with his wife and six children.AI for U - Listen on Apple Podcasts: https://podcasts.apple.com/us/podcast/ai-for-u/id1761664650?i=1000664646814To learn more, visit:linkedin.com/in/jason-Shupp-18b4619bListen to more episodes on Mission Matters:https://missionmatters.com/author/Jason-Shupp/

We thought it would be fun to do an “Oops! No Games” episode, in which we try not to talk about games. Inevitably, we totally fail, to the degree that we even end up recommending games at the end. We were all going to bring a book and a movie to talk about, and that somehow inspires us to complain about AI a lot, but probably not enough, because it really is so, so bad.

Edição de 13 de Maio 2025

Cecil Bartholomew aka Mr. B was born in Curepe, Trinidad, attended Presentation College in Chaguanas, worked at the license office then moved to the US to study. He gained a Bachelor of Science in Electrical Engineering from the Polytechnic Institute in New York, bolstered by further studies in Artificial Intelligence at MIT as well as jazz and classical guitar. He served as an International Engineering Manager at Electronic Signature Analysis Technologies with Xerox for 30 years, in the US, South America, Europe, Middle East, Africa and Australia, innovating strategic technologies to enhance component reusability. He returned to the Caribbean in 2000 as ICT director for OECS [Organization of eastern Caribbean States] under the leadership of the then Prime Minister of Grenada, Carriacou and Petit Martinique, Dr. Keith C. Mitchell. Mr. B resides in Saint George's, Grenada.He is a world-renowned Classical/Jazz guitar/Arranger/Composer, celebrated for his unique fusion of tropical rhythms and jazz structures and performed as a backup guitarist for visiting artists while he was active in New York City and had a significant performance history during the 1980s and 1990s. Although classically trained, Jazz became the main thrust. After a solo performance Gloucestershire England other performances occurred in Holland, Germany, France, and Australia, when a classical solo album was sold worldwide. Cecil also has two CDs. With a profound passion for music, he coined the term “Kingdom-Guitar,” emphasizing his commitment to integrate music with a powerful message. Cecil's musical journey began in Trinidad and continued in Grenada, where he developed a deep appreciation for the guitar under the mentorship of jazz legends Laurindo Almeida and Kenny Burrell. His compositions often reflect the Bossa Nova rhythm blended with cheerful lyrical jazz solos, creating a vibrant musical landscape in his works. Bartholomew's style, best described as "Tropical Jazz Fusion," artfully combines rock, calypso, and jazz standards, while also incorporating original compositions. As the composer and guitarist for the band, Bartholomew leads the ensemble's exploration of tropical jazz fusion, enhancing their sound through acoustic and electric guitar arrangements. The music produced is a harmonious blend of original works and creatively rearranged covers. Cecil was leader, composer and arranger of 2 bands: Akasa in the US and Quiet Fire in Grenada. His contributions in composition and arrangement helped shape the band's unique sound. He also played the double tenor steel pan and is a dedicated music instructor at Archibald Avenue Music since 2009.Presently retired, Mr. B performs weekly at the prestigious Calabash Hotel in Grenada and at special venues, mostly as a solo artist for the Government of Grenada and at other private events, while recording, teaching and changing the minds and hearts of youths through his music.A man of deep faith and conviction, Bartholomew sees music as a spiritual passage and a vehicle for societal change. He emphasizes discipline, effort, and heartfelt communication throughout, as well as advocating for women.

What does it take to lead 75,000 people through transformation, challenge, and real impact? In this final episode of the 2025 CEO Interview Series, former Verizon Business CEO and current Xerox board director Tami Erwin shares her incredible leadership journey -  from starting in a call centre to leading at the highest levels. With clarity, courage, and deep conviction, Tami reflects on the power of feedback, the discipline of staying grounded, and what it really means to lead with heart and results. This is a conversation to inspire your next bold step. ----------------------- Learn more and apply for the Influence Mastermind: https://www.bravefeminineleadership.com/influence-mastermind ----------------------- Inside My CEO Calendar: How I Led A Team of 5k+ Without Getting Pulled Back Into the Weeds A behind-the-scenes private podcast for senior female leaders and CEOs who don't need fluff—just sharper thinking, smarter moves, and more time for what matters. You don't have time for another 60-minute webinar. But you do have 15 minutes while you're driving into the office or grabbing your mid-day coffee. Listen here: https://www.bravefeminineleadership.com/BFL-Private-Podcast     ----------------------- Craving inspiration? I send an email each Sunday about leadership reflection, top tips to build an intentional & sustainable life and other things that have captured my attention and are too good not to share! Sign up here: https://www.bravefeminineleadership.com/leadershipinspiration   Loving the podcast? Leave us a short review. It takes less than 60 seconds & will inspire like-minded leaders to join the conversation!   Access Your Free Clarity Tool Between the endless to-do lists, competing priorities, and decisions piling up, it's easy to lose sight of what matters most. But here's the truth: you can't give more if you're running on empty. That's why we created Balance Your Brave—a free 15-minute diagnostic tool to help you regain control and clarity. In just 15 minutes, you will: ✅ Pinpoint energy drains holding you back. ✅ Identify where to focus for the biggest impact. ✅ Walk away feeling calmer and more confident in your next steps. Think of it as your personal roadmap to balance and alignment. ⬇️ Click here to access your free Balance Your Brave diagnostic tool. https://www.bravefeminineleadership.com/Balance-Your-Brave   Are we friends? Connect with Us. YouTube: https://www.youtube.com/@bravefeminineleadership Instagram: https://www.instagram.com/bravefeminineleadership Linkedin: https://www.linkedin.com/company/brave-feminine-leadership

PJ chats with Ceilbí about the puppetery play happening Sat May 10th at the Granary as part of the Fringe Hosted on Acast. See acast.com/privacy for more information.

Welcome to Insurance Covered, the podcast that covers everything insurance. In this episode Peter is once again joined by Crum & Forster CEO, Marc Adee and they discuss the fall and rise of an American insurer and Marc's book; 'The Once and Future C&F'.In this conversation, Peter Mansfield and Mark Adee discuss the history of Crum and Forster, an American insurer, focusing on its rise, fall, and eventual resurgence. They explore the origins of the company, its innovative business model, the challenges it faced during the 1960s and 70s, and the lessons learned from its eventual sale in 1982. The discussion highlights the complexities of the insurance industry and the importance of understanding market cycles and financial discipline. In this conversation, Marc Adee discusses his experiences and insights from his time in the insurance industry, particularly focusing on his tenure at Crum & Forster and the challenges faced by Xerox in the insurance sector. He emphasises the importance of corporate culture, the need for stewardship in business, and the lessons learned from navigating market challenges. Adee also reflects on the evolution of Crum & Forster and the significance of understanding the insurance business deeply.You can download a free copy of the book here.We hope you enjoyed this episode, if you did please subscribe to be notified when new episodes release.keywords Crum and Forster, insurance history, American insurer, Marc Adee, Peter Mansfield, Fairfax Group, insurance industry, corporate structure, market cycles, financial discipline, Xerox, insurance, Crum & Forster, corporate culture, leadership, business strategy, financial services, market challenges, stewardship, insurance industry Hosted on Acast. See acast.com/privacy for more information.

Dr. Frederick G. Elias is committed to improving organizational leadership styles through the use of communication and motivation. Dr. Elias has attained national recognition as an educator and consultant in organizational development, organizational behavior, industrial psychology, and human resource management. He is a dynamic speaker and author in the areas of motivation, communication mastery, team building, self esteem enhancement, personal goal setting, and empowerment. Values, Beliefs & Clients  Leadership training Dr. Frederick G. Elias designs, implements and conducts leadership training, staff development, productivity improvement, team building, and peak performance programs for the private and public sectors. He works with individuals to create resources that will transform their lives both personally and professionally.  Top Clients Clients include Xerox, Sun Microsystems, General Motors, Cox Cable, Automated Test Engineering, Inc., the State of California Department of Personnel Administration, Los Angeles Community Colleges, Santa Barbara County, and the San Diego Community College District.  Reputation & Resume Dr. Frederick G. Elias is author of the acclaimed I CAN I WILL, Dynamics for Personal Success (ODC Publishing, 1992) and Maximum Impact: Strategies for Life Fitness, in which he encourages readers and listeners to increase self-confidence, manage emotions, and overcome barriers to success. He brings these concepts to the corporate environment through hands-on workshops that provide participants with the necessary tools to make personal changes for lifelong success. The results are vast improvements in the Quality of Work Life (QWL) and enhanced cooperation and compatibility in working relationships.

Xerox Corp. v. Meta Platforms, Inc.

Xerox Corp. v. Snap Inc.

This episode delves into the extraordinary life and career of Ursula Burns, the first black woman to become the CEO of a Fortune 500 company. Starting from humble beginnings in the New York housing projects, Burns defied numerous odds and societal expectations to rise to the top of Xerox. _Key Takeaways (fill it in)00:00 Introduction: The Forgotten Photocopier00:33 Meet Ursula Burns: A Trailblazer's Journey01:30 Personal Encounter: Inspiration from Ursula04:49 Early Life: Overcoming Adversity05:40 Mother's Influence: Lessons from Olga Burns08:28 Educational Path: From High School to Engineering16:34 Career Beginnings: Intern to Engineer at Xerox18:49 Rising Through the Ranks: Challenges and Triumphs25:03 CEO of Xerox: Transforming a Legacy33:12 Leadership Lessons: Insights from Ursula's Playbook35:49 Conclusion: Reflecting on Ursula's Impact_House KeepingGrow your audience and revenue in under 5-minutes a week: Subscribe & Join 63k+ Readers > Got a business question? Want a second opinion? Ask Your Question Here _Sponsored By:Power Your Launch Marketing Accelerator | Get over 50% OFF your order with this special link: https://go.poweryourlaunch.com/pylenrollInterested in sponsoring? Go here: Support Permission to CEO _Follow us on social media:InstagramTwitterYoutubeThreadsTikTok_Here's how I can help you:Master digital marketing, generate leads, and scale with paid ads. Enroll Now & Get Early Bird Pricing The Growth Community - Strategies, resources, and expert insights to optimize and grow. https://go.poweryourlaunch.com/mmMentorship/Advisor/Consulting - High-level support to refine funnels, ads, and scale efficiently. https://go.poweryourlaunch.com/mentorship__Rate, Review, & Follow on Apple Podcasts [CLICK HERE]"I love this podcast so much!" If that sounds like you, please take a moment to rate and review the show— Your support keeps this podcast going. Click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!_

In the second episode of our Legalweek series, Laura and Kevin sit down with Matt Berry and Greg Anderson from QuikData, a company challenging the status quo in the legal tech space. Matt shares QuikData's mission to offer low-cost, on-premise eDiscovery solutions, bucking the industry's shift toward cloud-only platforms. Alongside him, Greg, VP of Product and Client Services, brings his 20+ years of legal tech experience to the conversation, offering insights into how QuikData prioritizes security, affordability, and convenience for corporations and law firms.We learn about their origin story, tracing back to their first venture, Lateral Data, and the development of Viewpoint, an eDiscovery platform ultimately acquired by Xerox. Matt and Greg discuss how those early experiences shaped their vision for QuikData. We also discuss the role of AI in the industry, how it's reshaping workflows, and QuikData's practical approach to leveraging AI to enhance, not replace human decision-making in complex legal processes. This episode delivers a refreshing perspective on innovation, security, and the power of going against the grain.Matt Berry is an attorney, serial entrepreneur, and co-founder of QuikData, a platform rethinking how legal teams manage eDiscovery and secure collaboration. Before QuikData, Matt co-founded Lateral Data, where he and his team developed Viewpoint, an end-to-end eDiscovery solution focused on on-premises and enterprise deployments. Earlier in his career, Matt co-founded Diamed with his wife Simone—a mail delivery medical supply company that served over 30,000 patients nationwide with diabetes testing supplies and related products. A graduate of Rice University, Matt is also a former Division I tennis player and still finds time to stay active on the court. His diverse background across industries informs his thoughtful approach to building tools that solve real-world problems.Greg Anderson serves as the Vice President of Product and Client Services at QuikData. With over twenty years of experience in legal technology, he specializes in the design and application of E-Discovery solutions, enjoying the challenge of problem solving by leveraging both traditional and non-traditional approaches to address complex or unique problems. His background includes key product management roles at Lateral Data and Conduent, and prior to joining QuikData, he led an E-Discovery Project Management team at Norton Rose Fulbright, where he focused on multinational matters.QuikData is a software development company specializing in eDiscovery and data room solutions for legal service providers, law firms, corporate legal departments, and financial institutions. Founded in 2016 and headquartered in Houston, Texas, QuikData offers intuitive and powerful tools designed to streamline complex legal data management tasks. ​Their flagship product, Quik E-Discovery, is an end-to-end platform that facilitates the entire electronic discovery process, including data processing, analysis, review, and production. 

Have you ever wondered how the physical act of speaking can improve your communication? Kevin sits down with Michael Chad Hoeppner to discuss the physical nature of communication and exercises we can do to get better. Michael challenges our common assumptions about speaking, such as believing it's purely a mental activity. Instead, he introduces the concept of embodied cognition, explaining how communication is a physical activity involving over 100 muscles and should be approached like athletic training. Michael shares the science behind thought suppression and why focusing on "not saying um" is counterproductive. He also talks about the Five Ps of vocal variety (Pace, Pitch, Pause, Power, Placement) and how they impact your message. Listen For 00:00 Introduction and Episode Overview 02:00 Meet Michael Hoeppner 04:00 The Journey to Communication Coaching 08:00 The Physical Side of Communication 12:00 Why Thought Suppression Doesn't Work 16:00 Tips for Reducing Filler Words 20:00 Exercises for Clear Communication 24:00 The Five P's of Vocal Variety 28:00 Managing Nerves When Speaking 32:00 Final Thoughts and Book Information 35:00 Closing Remarks Michael's Story: Michael Chad Hoeppner is the author of Don't Say Um: How to Communicate Effectively to Live a Better Life. He is an adjunct professor at Columbia Business School and the CEO and president of GK Training, a firm dedicated to giving individuals, companies, and organizations the communication skills necessary to reach their highest goals in work and life. As an individual speaking coach, his clients include Andrew Yang, Swiss Re, Xerox, The Boston Consulting Group, Pfizer, Columbia University Business School, NYU Law School, Macy's, Special Olympics chairman Tim Shriver, and others. His expertise lies in every aspect of communication: public speaking, business development, executive presence, interpersonal agility, email skills, and speech writing. Hoeppner is one among the growing chorus of voices identifying the link between the physical aspects of spoken communication and broader issues of health and wellness. https://dontsayum.com/ https://www.linkedin.com/in/michaelchadhoeppner/ http://www.gktraining.com/ This Episode is brought to you by... Flexible Leadership is every leader's guide to greater success in a world of increasing complexity and chaos.  Book Recommendations Don't Say Um: How to Communicate Effectively to Live a Better Life by Michael Chad Hoeppner Moby Dick by Herman Melville  Like this? Mastering the Art of Public Speaking with John Bowe Join Our Community If you want to view our live podcast episodes, hear about new releases, or chat with others who enjoy this podcast join one of our communities below. Join the Facebook Group Join the LinkedIn Group   Leave a Review If you liked this conversation, we'd be thrilled if you'd let others know by leaving a review on Apple Podcasts. Here's a quick guide for posting a review. Review on Apple: https://remarkablepodcast.com/itunes    Podcast Better! Sign up with Libsyn and get up to 2 months free! Use promo code: RLP  

It's ten o'clock. Do you know where your kitten is? Though Mary Anne may have shaken off the chain letter curse back in Book 17, her bad luck (and ominous mail streak) continues in her next spin as narrator when her beloved pet goes missing and her usually exemplary boyfriend turns distant and moody in Book 25: Mary Anne and the Search for Tigger.Grab a flashlight and a stack of posters from Mrs. Brewer's office Xerox and head out with us and our return guest Tim as we hunt for the littlest tiger-striped cat and encounter local kids LARPing as cops and criminals along the way. Age-Inappropriate Watchlist for Stoneybrook ChildrenMagnum, P.I.MatlockCOPSAre the Brunos a problem family? Do trees grow in fields and make for good hiding spots? Add your two cents at stoneybrookreunion@gmail.com.Find us on Instagram @stoneybrookreunion, and more from Tim at alternateending.com.

Rose Fass, founder of Fass Forward Consulting Group and former CTO at Xerox, joins Dan Pontefract on Leadership NOW to discuss why organizations repeatedly overlook the crucial layer of middle management. Rose reveals the critical role of the "messy middle" in translating strategy into execution and why senior leaders must meaningfully engage rather than ignore these vital managers. She explains how genuine, unscripted conversations—not PowerPoint decks—lead to successful transformation, and underscores why wisdom and innovation have no age limit. It's a powerful conversation that challenges the status quo about middle managers and the real nature of leadership. More about Rose Fass at: https://www.fassforward.com/ More about Dan Pontefract at: https://www.danpontefract.com/

The Menopause Secret No One Talks About at Work—And Why It Needs to Change Breaking the Silence: Menopause in the Workplace with Natalie Nixon and Anne Marie Squeo Why Aren't We Talking About Menopause? Reimagining Work Culture for All The Workplace Secret No One's Talking About: Breaking the Silence on Menopause Why don't we talk about menopause at work, when it's something roughly half the population experiences? Most people with ovaries hit menopause somewhere between the ages of 45 and 55, often at the height of their careers. But for years, they're left to push through this period silently. Peers and mentors don't discuss it. Businesses do little to recognize it, let alone accommodate it. No one is served by this silence. So on today's episode of Hello Monday, we're talking about menopause. Jessi Hempel sits down with Natalie Nixon, creativity strategist and president of Figure 8 Thinking, and Anne Marie Squeo, CEO and Founder of Proof Point Communications.  Together, they discuss: Natalie's experience of going through menopause early and unprepared, following a myomectomy. Anne Marie's experience of juggling menopause, a global pandemic, and her C-suite position at Xerox. The unexpected advantages at the intersection of menopause and career Managing the symptoms of menopause at work, from irritability, to hot flashes, to sleeping less than five hours a week. How we can reimagine a work culture that destigmatizes menopause and better supports the people experiencing it. Want to keep talking about menopause with us? Join us for Office Hours, Wednesday at 3pm on the LinkedIn News Page Learn more about menopause through the following resources: Mayo Clinic: Menopause The Menopause Society Let's Talk Menopause

OLGA URSU IGDLCC[00:00:00] George Buhnici: Dacă să fii bogat este o alegere, este valabil și reversul? [00:00:05] Să rămâi sărac este o alegere?[00:00:07] Olga Ursu: Cei mai mulți oameni spun că nu [00:00:10] investesc pentru că nu am bani.[00:00:11] George Buhnici: Și[00:00:12] Olga Ursu: eu zice invers, nu ai bani pentru că nu [00:00:15] investești.[00:00:15] George Buhnici: Deci e și o chestie culturală, noi nu suntem obișnuiți să avem bani.[00:00:18] Olga Ursu: Ne place mai mult să cheltuim decât să [00:00:20] câștigăm bani.[00:00:20] George Buhnici: Nu știu, să înceapă cu 100 de lei, poate să fie prea puțin.[00:00:23] Olga Ursu: 100 de lei e mai mult decât deloc. [00:00:25][00:00:25] George Buhnici: Bine Bucnici sau Olga, vii tu și ne spui nouă că trebuie să ne [00:00:30] facem avere? Eu abia mă descurc de la un salariu la altul.[00:00:32] Olga Ursu: Poți să pornești cu o sumă mai mică pentru la început [00:00:35] poate n-ai un capital foarte mare strâns și nici nu e recomandat să începi, mai [00:00:40] ales pe bursă cu un capital mare deodată dacă nu ai experiență.[00:00:44] George Buhnici: De unde știu ei să [00:00:45] facă bani? E o chestie nativă?[00:00:46] Olga Ursu: Pur și simplu profită de oportunități. Oricând există [00:00:50] oportunități și în business, și în piața imobiliară și pe bursă.[00:00:53] George Buhnici: Ok. Asta nu [00:00:55] e un sport național la noi încă.[00:00:56] Olga Ursu: Am un obiectiv în minte. Eu să ajung la... [00:01:00] 2.700.000 de euro obiectivul ăsta. Ok.[00:01:03] George Buhnici: Există oameni de genul ăsta care au astfel de obiective?[00:01:04] [00:01:05] Da. Și 2.700.000 lei n-ar fi rău pentru România? Acum[00:01:08] Olga Ursu: 10 ani n-ai fi investit în [00:01:10] Nvidia.[00:01:10] George Buhnici: Dacă pe vremea aia puneam banii pe index la bursă? Eu[00:01:14] Olga Ursu: cred că [00:01:15] ai fi depășit acum 1.000.000 de euro dacă atunci începeai. Tu[00:01:18] George Buhnici: vezi exact valoarea. Nu stai să te gândești [00:01:20] foarte mult la emoții și la sentimente. Tu vezi de unde se creează valoarea și cum o capturezi.[00:01:25][00:01:25] Salutare tuturor și bine v-am regăsit la IGDLCC, adică informații gratis despre lucruri care costă. [00:01:30] Și din când în când încerc să vă mai duc aici oameni foarte deștepți când vine vorba de făcut bani. Știu că sunt unele dintre cele mai [00:01:35] urmărite podcast-uri, cele în care vorbim despre cum facem bani. Iar astăzi nu se-o vină să credeți avem [00:01:40] o invitată nouă pe acest subiect.[00:01:42] De obicei vă aduc tot felul de experți bărbați. Mă [00:01:45] bucur că avem însă și femei foarte competente în domeniul ăsta [00:01:50] Una dintre puținele consultante de investiții [00:01:55] Avizată de ASF. Da. Bine ai venit, Olga. Bine te-am găsit, George. [00:02:00] Olga Ursul care, nu știu, acum, asta e Moldova acum, nu?[00:02:03] Olga Ursu: Unde locuiesc mă [00:02:05] întrebi?[00:02:05] George Buhnici: Da.[00:02:06] Olga Ursu: Acum nu mai locuiesc în România de trei ani, trei ani și [00:02:10] jumătate, dar am crescut, am născut în Bacău și am crescut în regiunea[00:02:13] George Buhnici: Bacăului. [00:02:15] Înainte să începem acest podcast, vreau să fac un pic de context și să vă explic de ce ne vedem [00:02:20] astăzi cu Olga. Nu știu câți dintre voi înțelegeți dar la nivel global, nu [00:02:25] știu dacă ați auzit chestia asta, se pregătește cel mai mare transfer de avere de la o generație la altă.[00:02:29] [00:02:30] Se vorbește despre mii zeci de mii de miliarde de dolari care se mută de la o [00:02:35] generație la altă. O să avem noi bogați ai planetei care [00:02:40] vin din generațiile Z și mai ales femei. De [00:02:45] când cu emanciparea femeilor Doamne ajută, avem din ce în ce mai multe femei puternice, nu doar în funcție de conducere, [00:02:50] ci și ca avere.[00:02:51] Și mă interesează și eu astfel de perspectivă, cum [00:02:55] văd femeile investițiile, cum văd femeile business-ul, pentru că va [00:03:00] fi inevitabil pentru toți cei care mă urmăresc fie că sunt bărbați sau femei să interacționeze în business și cu femeile. [00:03:05] Dar asta nu este treaba ta neapărat, tu te ocupi în general cu [00:03:10] consultanță de afaceri, nu?[00:03:11] Olga Ursu: Consultanță de investiții și mă refer la investiții pe [00:03:15] bursă adică investiții în acțiuni.[00:03:17] George Buhnici: Ok. Asta nu e un sport național la noi încă.[00:03:19] Olga Ursu: [00:03:20] Începe să devină din ce în ce mai atractiv pentru investitorii români, dar [00:03:25] să ajungă la nivel național mai e de muncă și asta este rolul meu ca și [00:03:30] consultant și rolul specialistilor din piață să facă burța mai [00:03:35] prietenoasă pentru investitorii români.[00:03:37] George Buhnici: Avem de vorbit. La partea asta că a făcut burța mai [00:03:40] prietenoasă, românii au acest obicei transmis din generație în [00:03:45] generație să țină banii la saltea și dacă nu îi mai țin neapărat la saltea, erau tot [00:03:50] felul de povești, mai ales în anii 90, că se găseau banii în saltele care expiraseră, spre [00:03:55] exemplu nu mai puteau fi schimbați sau putreziți sau stricați de un incendiu sau de [00:04:00] o inundație.[00:04:00] După lecțiile astea, mulți oameni și-au mutat banii din saltele în [00:04:05] bănci.[00:04:05] Olga Ursu: Și? O foarte mare pondere a averei românilor se află în [00:04:10] depozite la bănci. Și cealaltă și mai mare este în imobiliare.[00:04:14] George Buhnici: [00:04:15] Deci ne ținem banii, dacă nu mai sunt în saltele, sunt în bănci. [00:04:20] Mă hazardez dacă spun că e același lucru?[00:04:23] Olga Ursu: Din punct de vedere al [00:04:25] siguranței e mai bine.[00:04:27] Sub saltea există mai multe [00:04:30] riscuri. Pe de altă parte, banii într-un depozit bancar [00:04:35] produc o dobândă care încearcă să țină ritmul cu inflația, măcar atât. [00:04:40] Dar de cele mai multe ori, un depozit bancar are un randament sub rata [00:04:45] inflației.[00:04:45] George Buhnici: Mai pe românește practic banii pe care țin bancă își pierd valoarea în fiecare an.[00:04:49] [00:04:50] Se[00:04:50] Olga Ursu: devalorizează da.[00:04:51] George Buhnici: Cam cât-au devalorizat banii românilor din [00:04:55] bănci în ultimul an? Ai o idee?[00:04:56] Olga Ursu: Odată este inflația care mănâncă din valoarea banilor [00:05:00] apoi este costul de oportunitate. Îmi putea să plasăm banii ăștia să... [00:05:05] Producem un randament pozitiv peste inflație și sunt multe instrumente, [00:05:10] unele sunt destul de sigure, cum ar fi titlurile de stat, care au un [00:05:15] randament foarte bun.[00:05:16] În ultima perioadă randamentul la titlurile de stat românești a [00:05:20] crescut și a ajuns la o cotă în care, [00:05:25] doar dacă ai nevoie de banii aia pe termen scurs și ai nevoie să umbli la ei, atunci îi [00:05:30] ții într-un depozit dar altfel mai degrabă îi plasa în titluri de stat cu randamente [00:05:35] de 5, 6 7% depinde de valută, dacă e în euro sau în lei.[00:05:39] George Buhnici: La lei [00:05:40] am văzut inclusiv spre 8 în anumite situații, statul se împrumută la niște dobândi destul de ridicate [00:05:45] din cauza riscului de țară, contextul geopolitic recesiune și alte [00:05:50] asemenea.[00:05:50] Olga Ursu: Da, și deficitul bucetar foarte mare și asta este [00:05:55] motivul pentru care sunt emisiuni constante de titluri de stat și investitorii [00:06:00] români iau primul contact cu bursa plasând banii în aceste [00:06:05] titluri de stat, care sunt și listate pe bursă și apoi se pot tranzacționa.[00:06:09] George Buhnici: Ok, [00:06:10] așadar să ne întoarcem la saltea. Ai banii la saltea, știi că ai acces rapid la cash, [00:06:15] dar există riscurile de rigoare, că află cineva, că ți se fură, că se distrug, să întâmplă ceva cu ei. Acum e de [00:06:20] plastic, nu mai puterezezi la fel. Ard repede. Dar ard. Și [00:06:25] oricum, fiecare cu riscul lui. Însă dacă iei de la saltea și îi duci în bancă, [00:06:30] ce mai mulți îi țină oricum în conturi curente.[00:06:32] Conturile curente nu prea au dobândă, nu? Că asta [00:06:35] e dobândă la vedere, care e foarte mică.[00:06:36] Olga Ursu: Da, nu prea au, sau sunt anumite Tipuri de conturi [00:06:40] curente care au o dobândă mică, dar... E [00:06:45] mare diferența între a-ți plasa pe un depozit pe un termen mai mare, nu știu 3 luni, 6 luni un [00:06:50] an și ai ține în contul curent. În conturi curente ținem pentru [00:06:55] necesitățile curente că de asta se numește cont curent.[00:06:58] George Buhnici: Adică pentru facturi, [00:07:00] întreținere, mâncare, mici plăceri lucruri de genul ăsta. Încerc să lămuresc câteva chestii de [00:07:05] bază din abecedar, că vreau să ajung la investiții, dar aș vrea să clarific unde simt că [00:07:10] noi ratăm exact ce ziceai tu, costul la de oportunitate. Da? Mă mut mai departe așa dar [00:07:15] dacă înțeleg că în contul curent nu prea fac dobândă, banii ăia își pierd valoare prin faptul că [00:07:20] dacă pun 100 de lei, s-ar putea să am și niște costuri de [00:07:25] operare ale băncii care să-mi topească banii ăia mai repede, nu doar prin inflație, pentru [00:07:30] că inflația statistică este 7, 8, ceva de genul ăsta.[00:07:34] [00:07:35] În realitate însă sunt produse la care inflația este mult mai mare. Adică s-au scumpit [00:07:40] prețurile și abia s-au mai domolit un pic. Și atunci ai avea [00:07:45] 100 de lei, acum s-ar putea să mai ai 90 de lei după un an. Echivalent. [00:07:50] S-ar putea să scrie 100 acolo în conioare, dar în realitate s-ar putea să mai fie doar 90.[00:07:55][00:07:55] De acord? Da. Asta este chestia care ne scapă cel mai mulți dintre noi. De ce fac românii [00:08:00] greșeala asta? De ce crezi că ratează fix înțelegerea că banii [00:08:05] lor își pierd din valoare, deși cifra poate nu se schimbă?[00:08:09] Olga Ursu: [00:08:10] Tot mai mulți români realizează în ultimii ani. Sunt destul de conștienți [00:08:15] românii că inflația le mănâncă din puterea de cumpărare practic.[00:08:20][00:08:20] Dar pentru că am avut mulți ani cu inflație mică cu [00:08:25] dobândi foarte mici atunci ne-am obișnuit să nu... Nu facem nimic cu banii sau nu [00:08:30] îi plasăm, pentru că oricum dobânzile nu contau. Dacă ți-aduce aminte, înainte de [00:08:35] pandemie, dobânzile erau negative. Dacă făceai un depozit aproape că nici nu [00:08:40] merita să ții banii în depozit.[00:08:41] Erau alte instrumente în care puteam să investim, [00:08:45] să obținem randamente, dar depozitele bancare erau pe ultimul [00:08:50] loc. Acum e prima variantă cea mai la [00:08:55] îndemână, în care putem să ne protejăm un pic de inflație. De ce țin românii banii [00:09:00] în conturi curente Pentru că nu gândesc neapărat în a economisi [00:09:05] să gândesc să folosească banii ăia și atunci ce rost are să [00:09:10] faci un depozit dacă peste două săptămâni umbli la el?[00:09:13] George Buhnici: Deci e și o chestie [00:09:15] culturală. Noi nu suntem obișnuiți să avem bani. Suntem obișnuiți că s-ar putea să fie nevoie să am acces rapid [00:09:20] la banii mei.[00:09:21] Olga Ursu: Da, ne gândim mai degrabă la consum, la cheltuieli, când avem bani, decât [00:09:25] la cum să economisim sau cum să producem alți bani. Ne place mai mult să cheltuim decât [00:09:30] să câștigăm bani, deși oamenii [00:09:35] afirmă că ok, îmi place să am bani, dar de fapt îi spun, îmi place să cheltuiesc bani, nu să [00:09:40] fac bani.[00:09:41] George Buhnici: Da valoroasă chestia asta. Cred că mergem [00:09:45] împreună cu ideea aia că să am bani pentru zile negre. Prea puțină lume spune că [00:09:50] am bani pentru zile albe, pentru zile bune, știi Adică suntem mult [00:09:55] prea atenți la riscul de a avea nevoie de cash la îndemână decât de [00:10:00] oportunitatea a mulți banii, nu?[00:10:01] Olga Ursu: Da, pentru că pur și simplu, nu [00:10:05] am gândit prea mult în direcția asta sau nu am fost educați să gândim [00:10:10] așa Da, pentru, pur și simplu nu De exemplu, antreprenorii își educă [00:10:15] copiii cum mai putea să câștigi bani, cum mai putea să generezi niște bani.[00:10:20][00:10:20] Am observat că antreprenorii își cresc în felul ăsta. Copiii nu le dau bani de [00:10:25] buzunar, îi pun să câștige banii de buzunar ca să-i învețe de miști să facă bani. [00:10:30][00:10:30] George Buhnici: Ok. Da, recunosc metoda. Că dacă [00:10:35] dai bani, se obișnuiește că banii vin.[00:10:36] Olga Ursu: Exact. Banii vin și se cheltuie. Vin și pleacă. Asta [00:10:40] învață copiii.[00:10:40] George Buhnici: Ceea e adevărat până la un punct.[00:10:43] Olga Ursu: Sigur. [00:10:45] Vin, pleacă, dar e important să și rămână ceva.[00:10:47] George Buhnici: Exact. Și să creezi [00:10:50] valoare, nu?[00:10:50] Olga Ursu: Da. Un antreprenor creează valoare. Un om care muncește [00:10:55] creează valoare. Și noi putem să creăm pentru noi valoare. În timp folosim [00:11:00] banii și... Investindu-i, pânându-i la treabă, să creeze valoare pentru noi [00:11:05] pentru perioadele în care poate o să vrem să muncim mai puțin, o să vrem să [00:11:10] menținem standardul de viață la bătrâneții, de exemplu la pensie.[00:11:14] Din ce în ce [00:11:15] mai mulți români își construiesc suplimentar fața de contribuția obligatorie la pensie, [00:11:20] pilonul 3, dar și un portofoliu de active care să le [00:11:25] genereze venituri la pensionare.[00:11:27] George Buhnici: Pentru că, în realitate, nu prea avem [00:11:30] încredere în sistemul public de pensii.[00:11:32] Olga Ursu: E destul de evident că [00:11:35] pensia din sistemul public va fi mai mică decât veniturile în [00:11:40] perioada activă.[00:11:41] Asta e evident. Acum întrebarea este cu cât la cât va fi, la 40%, [00:11:45] la 30%. Asta o să vedem în timp Din [00:11:50] perspectivele sunt din ce în ce mai... Proaste [00:11:55] pentru sistemul de pensii, atunci românii au învățat să nu mai [00:12:00] conteze numai pensia de la stat, să-și facă și ei o [00:12:05] sursă de venit suplimentară. De fapt eu aș zice, să acumuleze avere ca [00:12:10] să aibă un backup financiar.[00:12:12] George Buhnici: Să ai un pic de avere nu înseamnă să [00:12:15] fii bogat. Să ai o avere înseamnă să ai banii ăia [00:12:20] pentru viitor, nu doar pentru zile negre[00:12:23] Olga Ursu: Da să ai avere înseamnă să [00:12:25] fii da, ești bogat mai bogat decât dacă n-o ai.[00:12:29] George Buhnici: [00:12:30] Și să fii liber, să poți să decizi tu pentru tine pentru că dacă ai un capital, o avere, dacă [00:12:35] ai banii tăi, nu vei sta cu mâna întinsă.[00:12:37] Olga Ursu: Da, și ai libertatea de [00:12:40] decide pentru tine care vrei să fie standardul de viață, [00:12:45] când și cât vrei să muncești, unde vrei să [00:12:50] locuiești Ai puterea de decide asupra [00:12:55] felul în care străiești viața.[00:12:57] George Buhnici: Adică acum ești în putere, [00:13:00] ești productiv, te obișnui să bei cafea de o anumită calitate, să [00:13:05] mănânci carne de o anumită calitate și dintr-o dată vine pensia și te duci la [00:13:10] magazin și în loc de, nu știu, șuncă, iei parizer.[00:13:14] [00:13:15] În loc de cafea bună, te duci și ei, nu știu, [00:13:20] ceva mai ieftin. Dintr-o dată trebuie să-ți reduci stilul de viață.[00:13:24] Olga Ursu: Asta se întâmplă [00:13:25] dacă nu ai un backup, dacă nu ai niște bani ai tăi deoparte care [00:13:30] pe deoparte poate să-ți producă un venit destul de... [00:13:35] Destul de liniar De exemplu dacă investești în titluri de stat, ai lunar un [00:13:40] randament.[00:13:40] Depinde cât ai plasat. Dacă ai plasat cu 7%, obții 7%. Pe o [00:13:45] perioadă de cât De 5 ani pe cât ai plasat tu banii. Ei, pe venitul ăla poți [00:13:50] să te bazezi. Dar, sunt și alte instrumente în care poți să investezi să ai [00:13:55] randamente mai bune, cum ar fi acțiunile. Asta e motivul pentru care oamenii investesc pe bursă pentru că [00:14:00] vor randamente mai mare decât dacă ar plasa în instrumente care sunt mai [00:14:05] sigure, dar randamentul e limitat[00:14:08] George Buhnici: Deja acolo intrăm [00:14:10] într-o zonă în care avem prea puțini oameni.[00:14:12] Ajungem și la bursă. Până la bursă aș vrea să [00:14:15] clarificăm totuși pentru cei... Deja aud comentariile, mă uit acolo de sub și văd [00:14:20] bine Bucnici sau Olga. Vii tu și ne spui nouă că [00:14:25] trebuie să ne facem avere. Eu abia mă descurc de la un salariu la altul. Pe pună dreptate. Foarte [00:14:30] mulți români trăiesc de la un salariu la altul.[00:14:32] E o statistică că mai mult de [00:14:35] 75% din populația, din toate țările civilizate nu doar din România, dar și din [00:14:40] România, trăiesc de la un salariu la altul. Ce le spunem acestor trei din patru [00:14:45] care abia s-a ajuns cu banii de la o leafă la altă?[00:14:49] Olga Ursu: Cei mai mulți [00:14:50] oameni spun că nu investesc pentru că nu am bani.[00:14:54] Și el zice [00:14:55] invers. Nu ai bani pentru că nu investești. [00:15:00] În sensul că dacă îți propui să investești și începi, cu o sumă cât de mică, [00:15:05] dar începi. Și vezi că banii aia produc, o să vrei să investești mai [00:15:10] mult. Și atunci o să te gândești, ok, cum aș putea să fac mai mulți bani? Cum aș putea să-mi crez salariul?[00:15:14] [00:15:15] Cum aș putea să-mi specializez pe un [00:15:20] domeniu în care aș putea să câștig mai mult? Sau un antreprenor? Cum aș putea să-mi crez business-ul să [00:15:25] fac mai mulți bani ca să am capacitatea de a investi mai mult? Adică dacă ne gândim că nu ne [00:15:30] ajung banii, nu o ajungă niciodată.[00:15:31] George Buhnici: Hai să luăm un exemplu. Avem un om care trece [00:15:35] în București, viața-i scumpă, are de plătit chirie, are de plătit [00:15:40] mâncare, mai iese un pic în oraș că trebuie să trăiască și abia se descurcă nu știu, cu 4.000 de [00:15:45] lei într-o lună 3, 4 5.000 de lei pe lună.[00:15:49] Ce-i propui să [00:15:50] facă pentru a-și cărea acest mic capital pe care spui tu pentru a investi până că [00:15:55] nu știu, să înceapă cu 100 de lei sau să fie prea puțin?[00:15:58] Olga Ursu: 100 de lei e mai mult decât [00:16:00] deloc. Asta în primul rând. În al doilea rând [00:16:05] Aici e o problemă de venituri. Adică, ok, când vezi că ai un [00:16:10] nivel al cheltuielilor și nu poți să-l acoperi din veniturile pe care le [00:16:15] ai, în prima fază trebuie să faci ceva ca să screști veniturile.[00:16:19] George Buhnici: Ok. [00:16:20] Și mă duc și renegocez salariul.[00:16:23] Olga Ursu: Renegocez salariul, sau caut [00:16:25] un loc de muncă mai bine plătit, poate trebuie să învăț ceva, să dobândesc niște abilități, fac ce e [00:16:30] nevoie să fac, să pot câștiga mai mult, apoi să pot să încep și să [00:16:35] investesc. Altfel nu o să ajungi niciodată să investești dacă nu-ți pui problema, dacă [00:16:40] nu-ți setezi obiectivul ăsta.[00:16:41] George Buhnici: Ok. M-am dus la patron, patroană, și am [00:16:45] spus, doamnă vreau mai mulți bani. Și mi-a zis, n-am. Du-te înapoi la muncă. [00:16:50] Iată de simplu În foarte multe locuri așa se întâmplă. Ce-i spun eu lui... [00:16:55] Gigel, care s-a dus să negoceze un salariu mai bun, sau Vasile, sau Nicu. [00:17:00][00:17:00] Olga Ursu: Mi-aduc aminte de o persoană cu care vorbeam tot așa că nu [00:17:05] avea suficienți bani voia să investească nu era nici într-un caz pregătită să [00:17:10] investească pentru că avea foarte multe datorii.[00:17:13] Avea un salariu bun, [00:17:15] extrem de bun, dar avea credite pentru mașină, pentru [00:17:20] casă pentru telefon, pentru laptop. Și era clar că nu era [00:17:25] momentul în care să înceapă să investească Avea[00:17:26] George Buhnici: salariu bun, dar avea credite la toate lucrurile.[00:17:28] Olga Ursu: Da. În [00:17:30] primul rând i-am zis, ok, trebuie să te apuci să plătești datoriile în [00:17:35] primă fază ca să poată să-ți rămână capital să și investești.[00:17:38] Mai mult de jumătate [00:17:40] din salariul se ducea pe datorii. La începutul lunii le dădea și apoi rămânea restul [00:17:45] pentru cheltuielile curente. Niciodată nu i-au ajunge o bani de la o lună la alta. În primul rând, i-am [00:17:50] zis, ok, chiar dacă e salariul mare, e nevoie să scriești veniturile. Și [00:17:55] repede pentru că te tot înfunzi în datorii, de la lună la lună.[00:17:58] Știi ce a fost prima dată? [00:18:00] A început să... Mergă cu[00:18:02] George Buhnici: autobuzul?[00:18:04] Olga Ursu: [00:18:05] Vă ia să-și păstreze mașina că avea credit pe ea. O folosea să [00:18:10] facă Uber, să transporte A[00:18:12] George Buhnici: e ceva. Măcar o folosea productiv.[00:18:13] Olga Ursu: Da, da. Și a început [00:18:15] să-și crească veniturile, să ajungă în punctul în care să înceapă să plătească din datorii. [00:18:20] A luat cam un an și jumătate să plătească datoriile astea care consumau cel mai mult [00:18:25] din venit.[00:18:25] A rămas creditul pe casă. După care a început să strângă [00:18:30] bani pentru investiții. Acum are un business, are investiții și e mult mai [00:18:35] relaxată.[00:18:35] George Buhnici: Mulți se vor regăsi în discuția asta. Au un anumit venit Dacă trăiești [00:18:40] într-un oraș mare, sunt șanse să ai și un salariu mai bun de 1.000 de euro. Sunt oameni care câștigă poate 2.000.[00:18:44] [00:18:45] I-am auzit povești de oameni care câștigă 4-5.000 de euro pe lună și tot nu reușesc să pună bani [00:18:50] deoparte. Alea e un caz extrem. Dar venind mai aproape de ce spuneai tu, mulți oameni au [00:18:55] credite. Cam care trebuie să fie o ordine corectă în a accepta de a te [00:19:00] împăca cu ideea ok, fac credit, fac credit, fac credit, dar câte credite?[00:19:03] Și la ce nu recomanzi să faci [00:19:05] credit?[00:19:05] Olga Ursu: N-aș lua nici într-un caz telefon, laptop pe credit. Indiferent [00:19:10] cât de tentante sunt ofertele, așa sunt făcute să fie tentante să ne luăm [00:19:15] credite, dar nu e o soluție bună.[00:19:18] George Buhnici: Ok, deci telefonul odată Apoi [00:19:20] nu recomanzi credit pentru mașină?[00:19:22] Olga Ursu: E o capcană asta cu [00:19:25] mașina ok. O să-ți iei o mașină foarte scumpă dacă îți permiți să iei credit.[00:19:30][00:19:30] Și o să plătești niște ani buni la mașina respectivă, bani pe care ai putea [00:19:35] să-i direcționezi către investiții.[00:19:36] George Buhnici: De ce este în cultura noastră atât de importantă totuși mașina? Tu stai [00:19:40] de vorbă cu foarte mulți antreprenori și, din nou, nu vreau să judecăm pe nimeni, da? [00:19:45] Nu plec de la nicio idee preconcepută.[00:19:47] Cred că există și o valoare în a avea o mașină bună, [00:19:50] în a avea o mașină modernă, nouă chiar.[00:19:53] Olga Ursu: Sigur. Dacă [00:19:55] tu ai capital și produci bani încă să ți-o permiți foarte bine, bucură-te de ea. [00:20:00] Da[00:20:00] George Buhnici: Adică ce înseamnă asta să ai capital să ți-o permiți? Că tu vezi lucruri diferite față de un om care zice am [00:20:05] salariu de 2000, îmi permit să bag 1000 pentru un Range Rover.[00:20:08] Atâta este leasing-ul. Dacă te [00:20:10] duci acum la autonom, poți să-ți iei Range Rover cu 1000 pe lună. Păi[00:20:13] Olga Ursu: asta ziceam că e ca cana Da, îmi [00:20:15] permit. Adică o să dau jumătate din venitul meu pe mașină și pentru investiții [00:20:20] zero.[00:20:20] George Buhnici: Păi da, da. Mie-mi place mașina aia.[00:20:22] Olga Ursu: De acord. Îți place mașina și [00:20:25] atunci ajungem la ce ziceam mai devreme.[00:20:27] Oamenilor le place să cheltuiască banii, nu să-i [00:20:30] facă. Dar o să rămânem în capcana asta tot timpul. Dacă nu, [00:20:35] pur și simplu trebuie să ieșim brutal din ea. Efectiv, e un moment în care hotărăsc, [00:20:40] bine, până acum m-am cheltuit, m-am [00:20:45] bucurat de viață, m-am bucurat de lucruri pe care poate nu mi le permiteam, [00:20:50] dar este un moment în care trebuie să mă gândesc și la...[00:20:55][00:20:55] și la îmi construi o avere, că până la urmă vreau să zic de pensie. Mulți [00:21:00] gândesc ok, mai e până la pensie văd eu ce fac atunci. Da, dar [00:21:05] ne întâlnim o familie, o să ne avem nevoie de casă sau să ne cumpărăm o casă mai mare, o să avem [00:21:10] atunci nevoie de o mașină mai mare. E important să acumulăm un capital și [00:21:15] când...[00:21:15] Chiar avem nevoie de mașina aia care să ne asigure confortul nu doar pentru [00:21:20] noi, pentru întreaga familie atunci să putem să ne permitem.[00:21:23] George Buhnici: La momentul în care noi registrăm, eu [00:21:25] mă pregătesc să îmi plinesc 44. Și dacă fac așa o mică socoteală, [00:21:30] teoretic dacă ar fi să mă iau după norma noastră culturală, aș mai avea [00:21:35] 21 de ani până la pensie.[00:21:36] 21 ori 12 sunt undeva la 252 [00:21:40] de luni. Câți bani [00:21:45] ar să pun eu în fiecare lună ca atunci când aș ieși la pensie în sfârșit să [00:21:50] am destui bani deoparte. Și dintr-o dată lucrurile astea sunt într-o perspectivă mult [00:21:55] mai clară. Pentru eu nu sunt sigur că o să pot să fac încă o noare chestie asta fix la fel.[00:21:59] Eu [00:22:00] m-aș bucura. Dar nu pot să-mi garantez eu mie că voi fi la fel de productiv [00:22:05] încă 21 de ani. Și cred că asta este capcanea în care suntem cei mai [00:22:10] mulți dintre noi. Ne imaginăm că vom fi la fel de productivi, vom avea aceeași putere de muncă, [00:22:15] aceeași disponibilitate la efort, la nesfârșit că în realitate lucrurile se pot schimba [00:22:20] foarte repede.[00:22:21] Olga Ursu: Da, merită să faci un efort mai mare. În perioada ta cea mai [00:22:25] productivă, când câștiești cel mai mult, să pui mai mult deoparte. [00:22:30] Acum cât Sunt investitori care își pun 50% din [00:22:35] venituri în investiții direct.[00:22:36] George Buhnici: 50%, jumătate?[00:22:38] Olga Ursu: Jumătate, da. [00:22:40] Și zic ok, o să fac asta pe perioada 5 ani sau 10 ani, [00:22:45] până îmi strâng un capital.[00:22:46] Am un obiectiv în minte. Vreau să ajung la 2.700.000 de [00:22:50] euro. Obiectivul ăsta. Ok.[00:22:52] George Buhnici: Există oameni de genul ăsta care au astfel de obiective?[00:22:54] Olga Ursu: [00:22:55] Da. Bravo lor. Cât trebuie să pun deoparte Ok, calculez. O parte din [00:23:00] sumă asta va acumula și din randamentul pe care îl producea [00:23:05] investiția. Aici[00:23:05] George Buhnici: e șmecherie. Ca să ajung la 2.700.000, Nu trebuie să pui [00:23:10] 2.700 deoparte.[00:23:10] Olga Ursu: Depinde de suma de la început. Dacă începi cu o sumă mică, [00:23:15] atunci capitalul pe care îl folosești din veniturile [00:23:20] tale, ca să ajungi la 2.700, e mai mare. Dar cu cât suma [00:23:25] inițială e mai mare, adică pornești de la o sumă deja, cu atât suma respectivă va produce [00:23:30] randament pe care îl reinvestești și ajungi mai repede de la 2.700.[00:23:35][00:23:35] Ca să luăm exemplul ăsta. Mă vântă minte pentru că am o persoană în minte [00:23:40] care are acest obiectiv. Nu[00:23:41] George Buhnici: toată lumea are astfel de obiective. Și 2.700 de lei n-ar fi rău [00:23:45] pentru România ca să ai o pensie liniștită să trăiești cum ai vrea tu. Dar poate [00:23:50] un milion, 500 de mii orice fel de sumă pe care o ai, [00:23:55] îți poate asigura un viitor, să zicem așa, un pic mai [00:24:00] confortabil într-o lume nesigură.[00:24:01] Olga Ursu: Un viitor confortabil și libertatea de decide. [00:24:05] Eu, de exemplu împreună cu familia Ne-am mutat din țară [00:24:10] În timpul pandemiei În [00:24:15] 2021 Pur și simplu Am plecat într-o vacanță Și am [00:24:20] zis că noi lucrăm online Și eu și soțul meu Și am zis De ce să [00:24:25] ne machinim în București? Hai să alegem să stăm aici Hai să stăm un an [00:24:30][00:24:30] George Buhnici: În 2021 erai în București?[00:24:33] Olga Ursu: Sunt în București Din [00:24:35] 2001 am venit la facultate Și aici am rămas[00:24:38] George Buhnici: 20 de ani ai [00:24:40] stat aici?[00:24:42] Olga Ursu: Fără Ultimii 3 ani jumătate 4 [00:24:45] aproape M-am mutat în Spania[00:24:48] George Buhnici: Și[00:24:48] Olga Ursu: pur și simplu Am [00:24:50] zis ok Avem câteva investiții Ne putem [00:24:55] permite Nu știu dacă Aveam soțul meu avea job Eu aveam tocmai ce [00:25:00] am început un business Dar nu făceam prea mulți bani Adică nu la [00:25:05] nivelul de cheltuieli din Spania Era ok pentru București Pentru Spania [00:25:10] era nevoie de un venit mai mare Dar am zis ok [00:25:15] Avem un capital Avem niște venituri care vin din [00:25:20] investițiile noastre Vrem să ne creștem un pic [00:25:25] standardul de viață Vrem să locuim în Spania Nu știm pentru cât hai să vedem cât ne permitem Și știi ce [00:25:30] s-a întâmplat prima dată?[00:25:31] Am început să ne gândim cum să putem să [00:25:35] câștigăm mai mult Adică ne-am ajustat veniturile Ca să putem să acomodăm [00:25:40] nivelul de trai pe care vroiam să le avem Adică exact ce mă întrebai mai devreme Cum [00:25:45] să facă un om care vrea să investească dar nu are venituri Ok, ia [00:25:50] provocarea Apucă-te să investești Puneți un obiectiv Și o să vezi că vin și [00:25:55] soluțiile O să le găsești tot tu, nu altcineva, dar [00:26:00] o să fii în căutarea soluțiilor.[00:26:01] Dacă ai provocarea asta, dacă stai tu singur [00:26:05] provocarea asta.[00:26:06] George Buhnici: Totuși, e adevărat ce am auzit că e Spania mai ieftină decât [00:26:10] Bucureștiul?[00:26:10] Olga Ursu: La supermarket prețurile sunt chiar un pic mai mici decât [00:26:15] în București. Locuiesc în Spania, pe insulă în Tenerife.[00:26:18] George Buhnici: E frumoasă [00:26:20] insula aia?[00:26:20] Olga Ursu: Este frumoasă, e clima foarte bună.[00:26:22] Eu am observat că sunt mult mai [00:26:25] productivă când stau într-un mediu mai liniștit, mai confortabil. [00:26:30] Sunt schimbări din astea bruște de temperatură. Știi cum e în București? Câteodată nu-ți vine să [00:26:35] muncești vrei să pleci la mare la munte Iarna nu-ți vine să [00:26:40] ieși din casă.[00:26:41] George Buhnici: Interesant. Este un alt mod de a vedea lumea și de a trăi.[00:26:43] Și sunt mulți români care au trecut prin [00:26:45] chestia asta. Nu sunt doar cei care au plecat să muncească în agricultura sau pentru munci, din [00:26:50] astea ușoare. Sunt și oameni cu un pic de educație și cu niște venituri care s-au dus către zonele astea. [00:26:55] Exact cum vin și englezii către Spania, din cât te înțeleg.[00:26:57] Olga Ursu: Da, sunt foarte mulți englezi, [00:27:00] nemți, români în ultimul timp.[00:27:05][00:27:05] În Tenerife există comunitate de români. Foarte mulți freelanceri [00:27:10] IT-ști, domenii care lucrează peste tot în lume, [00:27:15] online, și aleg să-și treacă, [00:27:20] adică să locuiască într-un loc mai prietenos din punct de vedere al climei, dar [00:27:25] și un pic mai liniștit față de marele orașe.[00:27:28] George Buhnici: Și asta pleacă fix din [00:27:30] libertatea de care vorbeai.[00:27:31] În momentul în care e capital...[00:27:32] Olga Ursu: Ai libertatea de decide. Unde [00:27:35] locuiesc, ce îmi Ce stil de viață vreau să am, [00:27:40] când ai un capital, când ai bani, poți să ai [00:27:45] curajul să începi un business. Pentru că într-un business, ca [00:27:50] antreprenor, trebuie să riști la început, dar nu știi dacă o să meargă sau nu o meargă [00:27:55] business-ul respectiv.[00:27:55] Dacă tu ai un capital backup, știi că [00:28:00] oricând dacă nu merge, te bazezi pe ceva și poți să revii să încerci un alt lucru.[00:28:04] George Buhnici: [00:28:05] Revenim la IGDLCC în dată ce-ți spun despre sponsorul nostru, Darkom Energy, cei care [00:28:10] ne garantează că nu ni se sting luminile din studio, adică nu avem niciodată [00:28:15] pene de curent.[00:28:15] Panourile fotovoltaice, invertoarele și bateriile sunt [00:28:20] inima sistemului nostru energetic și cred cu tărie că sunt investiții importante, dar [00:28:25] și rentabile. Cu acest sistem am economisit deja mii de euro la facturi Dar și mai [00:28:30] important, avem electricitatea garantată fără fluctuații care ne pot defecta [00:28:35] electricele și electronicele.[00:28:37] Dacă ai în plan să construiești, să renovezi orice [00:28:40] fel de clădire, inclusiv industrială, alege o soluție solidă de generare [00:28:45] și stocare de energie. Noi colaborăm cu echipa Adarcom Energy și îi recomandăm. Olga, [00:28:50] dar tu ai moștenit banii? De unde ai tu banii?[00:28:52] Olga Ursu: N-am moștenit nimic i-am[00:28:54] George Buhnici: [00:28:55] făcut. Ai câștigat banii de undeva?[00:28:56] Ți-a picat din cer?[00:28:57] Olga Ursu: Am fost angajat timp de 14 [00:29:00] ani, am fost broker. De când am terminat facultatea din [00:29:05] 2005, m-am angajat ca broker. Am lucrat ultimii 11 [00:29:10] ani ca broker la BRD, în departamentul de tranzacționare. Și [00:29:15] am renunțat la a fi broker înainte de pandemie Asta [00:29:20] mi-a permis să stau super relaxată în pandemie, nu trebuia să mă duc la birou, au fost [00:29:25] mult mai ok și să trec prin pandemie neavând constrângerea asta de a fi [00:29:30] angajat.[00:29:31] Mi-am dorit să devin consultant de investiții și momentan [00:29:35] pe lângă consultanța pe care o dau, sunt și antreprenor Am un [00:29:40] mic business de educație financiară pentru investitori Pentru investitori la bursă nu [00:29:45] educație financiară generală, ci pentru investitori Cum să-și construiască portofoliu, cum [00:29:50] să-l gestioneze, cum să fie eficienți ca investitori.[00:29:52] George Buhnici: Acum trebuie să spunem că BRD-ul a [00:29:55] introdus un sistem din asta de lucruri remote pentru foarte mulți [00:30:00] angajați.[00:30:00] Olga Ursu: După pandemie da.[00:30:01] George Buhnici: Sunt oameni conoare care lucrează remote și acolo și în multe alte [00:30:05] instituții. Ceea este o lecție bună cu limiterile de rigoare, pentru că există și [00:30:10] anumite... Nu toată lumea este eficientă când lucrează remote.[00:30:12] Olga Ursu: Da. Când ești antreprenor ești [00:30:15] nevoi să fii eficient. Așa este.[00:30:16] George Buhnici: Dar când ești angajat?[00:30:19] Olga Ursu: Acolo mai [00:30:20] merge să mai tragi mulția de coada haide că nu se prinde șeful că n-am lucrat [00:30:25] astăzi.[00:30:25] George Buhnici: Deci zici că tu n-ai primit bani din cerat să-i faci tu.[00:30:28] Olga Ursu: Da, dar nu-i [00:30:30] greu să faci bani dacă Păi este greu să faci bani.[00:30:32] Dacă muncești și îți propui să faci [00:30:35] bani adică dacă muncești pentru bani, e ușor în [00:30:40] România.[00:30:41] George Buhnici: Cum?[00:30:41] Olga Ursu: În 2005, știu că [00:30:45] când te angajai, salariile erau foarte mici. Eu... Mi [00:30:50] s-a părut că am avut un super noroc că am găsit un job super bine plătit ca broker, dar în general [00:30:55] colegii mei care au terminat facultatea câștigau super puțin erau atunci super la [00:31:00] modă job-urile în bănci pentru că erau bine plătite ce [00:31:05] înseamnă[00:31:05] George Buhnici: bine plătite?[00:31:06] cât era salariul în 2005? îți zic și eu salariul meu de la televiziune de pe [00:31:10] atunci eu[00:31:10] Olga Ursu: mi-aduc aminte, primul meu salariu a fost 1400 de lei și cred [00:31:15] că în bănci erau așa peste 1200 de lei încă [00:31:20] cred că denominarea în perioada aia a fost, nu mai știu dacă era un bani vechi sau un bani noi, dar [00:31:25] atâta eu[00:31:25] George Buhnici: am, spre exemplu eram corespondent special cu [00:31:30] 20 de milioane vechi 2000 de lei adică salariile au crescut un pic mai [00:31:35] târziu mai spre 2007-2008 și în perioada aia mulți am făcut credite și eu am făcut [00:31:40] credit am făcut două credite cu buletinul și m-am dus în Germania să-mi iau mașină și [00:31:45] mi-au luat mașină de toți banii Și după aici, ce crezi?[00:31:47] S-a stricat mașina.[00:31:48] Olga Ursu: Și nu mai aveai bani să [00:31:50] repari.[00:31:50] George Buhnici: Am mai făcut un credit. Wow. Acum eu mi luat mașină la mâna a doua, dar [00:31:55] la nivelul meu de venitori din perioada aia, ăsta era maximul posibil la care puteam [00:32:00] spera. Însă dacă pe vremea aia puneam banii pe index la bursă, [00:32:05] dacă cumpăram orice fel de acțiuni de la orice companie, orice, [00:32:10] orice, orice orice, acum aveam niște sute de mii de euro.[00:32:14] Eu[00:32:14] Olga Ursu: cred că ai fi [00:32:15] depășit acum un milion de euro dacă atunci începeai.[00:32:18] George Buhnici: Îți mai dau un exemplu. Am [00:32:20] mai făcut o prosie după aia. Mi-am plătit mașina și după aia mă și-am făcut un credit mai mare. Ca [00:32:25] să cumpăr teren. Am acum niște terenuri știi cum? Stau ele acolo frumos [00:32:30] cresc bălările pe ele.[00:32:30] Olga Ursu: Păi uite vezi, ai făcut o investiție.[00:32:32] Doar că nu a fost neapărat cea mai[00:32:34] George Buhnici: [00:32:35] potrivită[00:32:35] Olga Ursu: investiție. Dar te-ai gândit atunci Pentru ce ai cumpărat terenul?[00:32:39] George Buhnici: Pentru [00:32:40] investiție. Dar aceiași bani pe care, dacă îi băgam în bursă, cred că aveam mai mult de [00:32:45] un milion cum ai zis tu. Adică efectul ăsta de compounding al investițiilor pe [00:32:50] bursă m-ar fi adus la niște randamente care mi-ar fi depășit [00:32:55] de cel puțin 10 ori investiția inițială în 20 de ani.[00:32:57] Putem fi de acord?[00:32:59] Olga Ursu: Da, mai [00:33:00] ales dacă și știai ce faci dar nu-i... adică poți să începi fără să [00:33:05] ai mare experiență în domeniul să știi, dar să înveți pe parcurs.[00:33:09] George Buhnici: Acum [00:33:10] eu mă pot uita înapoi și în experiența mea pot să zic că am învățat ceva. Nu mă mai duc [00:33:15] după cea mai scumpă mașină pe care mi-o permit, deși am mai făcut niște mici extravaganțe cu mașini, [00:33:20] dar m-am mai domolit.[00:33:20] Adică acum conduc o mașină care în anul 4-lea an n-am mai schimbat-o, [00:33:25] n-am mai făcut investiții extravagante și sunt un pic mai atent [00:33:30] la bugetul devenitul și cheltul. Cu toate astea, trebuie să recunosc că nici eu nu am [00:33:35] reușit să-mi creez un capital de investiții pe bursă. Sunt totuși niște lecții de învățat [00:33:40] pe parcursul anilor și dacă m-aș uita înapoi, mi-aș spune.[00:33:44] [00:33:45] Dacă ai 20 de ani din bruma aia de bani în plus, chiar și la [00:33:50] 20 de milioane salariu 100, 2, 3 și așa mai departe hai să facem un plan [00:33:55] pe termen lung pentru cei care se uită la noi, cam care ar să fie o strategie corectă de a pune bani [00:34:00] pe bani pentru a nu te uita înapoi ca mine după 20 de ani și să zici dacă [00:34:05] aș făcut chestia asta Poți[00:34:06] Olga Ursu: să pornești cu o sumă mai mică la început poate n-ai un capital [00:34:10] foarte mare strâns și nici nu-i recomandat să începi, mai ales pe bursă [00:34:15] cu un capital mare deodată dacă nu ai experiență Piață sunt fluctuații, sunt și creșteri [00:34:20] foarte ample dar sunt și perioade când piața scade și atunci dacă tu ai o sumă [00:34:25] mare și prindi fix o perioadă din aia de scădere ce o să faci O te panichezi o să [00:34:30] vinzi o să zic nu mai cumpăr niciodată la bursă nu-i de mine nu mă pricep, gata, nu mă mai bag [00:34:35] dar dacă începi treptat ei Pe măsură ce banii ai, [00:34:40] vezi cum fluctuează în contul tău portofoliul tău fluctuează, crește scade, începi [00:34:45] să prinzi un pic cum merge bursa și începi să vezi ok, am [00:34:50] ales niște acțiuni, dacă le alegeam pe celelalte, au crescut mai mult, cum [00:34:55] aș putea să aleg mai bine acțiunile?[00:34:57] Și practic dobândești [00:35:00] experiență în timp ce investești, în timp ce crești și capitalul. După ce ai un [00:35:05] pic de încredere că faci bine ceea ce faci, începi să mai adaugi sume suplimentare.[00:35:09] George Buhnici: [00:35:10] Da, într-adevăr intri cu 1000, poate să scadă la 800, 700, 500 după care poate să [00:35:15] crească înapoi dar când faci zoom out după un timp o să vezi că am băgat 1000 și acum [00:35:20] totul sunt la 1500, poate la 2000, poate la 1100, dar cu siguranță [00:35:25] pe termen lung, nu ai cum să fii mai jos decât ai intrat, decât dacă chiar se întâmplă chestii catastrofale pe [00:35:30] termen lung.[00:35:30] Olga Ursu: Sunt investitori care s-aruncă foarte tare la început pentru că au sumă mică [00:35:35] și investesc în instrumente cu grad mare de risc[00:35:38] George Buhnici: nu[00:35:39] Olga Ursu: [00:35:40] neapărat de acțiuni, atât ai auzit, de Forex, CFD-uri, contracte pe diferență, [00:35:45] o felul de instrumente din astea financiare care sunt sintetice cu levier. [00:35:50] Adică tu nu tranzacționezi acțiunea Apple sau Nvidia, ci tranzacționezi [00:35:55] diferența creștere sau scădere pentru acele acțiuni.[00:36:00][00:36:00] Și asta n-ar fi o problemă în sine dacă n-ar fi cu levier multiplicat Adică [00:36:05] și aici poți să-ți iei credit pentru investiții, adică platforma [00:36:10] respectivă îți dă mai mulți bani pe lângă suma pe care o plăsat-o tu, să zicem 1000 de [00:36:15] euro, tu tranzacționezi de 10.000 de euro. Dacă au crescut cu [00:36:20] 5%, ai câștigat 50%.[00:36:22] Dacă au scăzut cu [00:36:25] 5%, ai pierdut jumătate din bani. Deci poți să pierzi dacă te [00:36:30] arunci și investești în instrumente riscante. Și mulți investitori fac asta. Investesc în [00:36:35] astfel de instrumente riscante pentru că vor un câștig rapid.[00:36:38] George Buhnici: Pentru că au bani puțin [00:36:40] la început și nu au răbdare să aștepte și zic hai mă pe mână, n-are cum să mai scadă [00:36:45] acum pornește în sfârșit.[00:36:47] Olga Ursu: Exact, ori îi fac, ori îi pierd, de tot cam așa [00:36:50] gândesc, totul sau nimic. Acum sunt și traderi să numesc, [00:36:55] oameni care știu ce fac, tranzacționează speculativ, [00:37:00] dar cei mai mulți n-au idee ce înseamnă riscul pe care [00:37:05] și-l asumă.[00:37:05] George Buhnici: Încă dată, marea majoritate, mai mult de 80% dacă nu greșesc din cei [00:37:10] care investesc în produse speculative, pierd banii.[00:37:14] Olga Ursu: Da, [00:37:15] se spunea mai demult regula 90-90-90, adică [00:37:20] 90% dintre investitori pierd 90% din capital în primele 90 de [00:37:25] zile tranzacționând produse cu levier.[00:37:27] George Buhnici: What? Asta este [00:37:30] un wipe-out, este un cataclism.[00:37:34] Olga Ursu: Da, asta s-a [00:37:35] întâmplat doar că... Investitorii tot speră. [00:37:40] Pierd niște bani, lasă că revină de câteva ori și o să le iasă după care [00:37:45] zic ok, am pierdut toți banii, bag alții nu contează și da, asta este gambling Dar[00:37:49] George Buhnici: [00:37:50] există acei 10% care câștigă?[00:37:52] Și toți visăm să fim aia 10% [00:37:55] Nu,[00:37:55] Olga Ursu: aia 10% nu câștigă Ei nu pierd 90% din capital [00:38:00] în 90 de zile[00:38:02] George Buhnici: Ei pierd în 91[00:38:04] Olga Ursu: [00:38:05] Foarte puțin nu știu ce între poate 1 și 3% sunt profitabil constant, [00:38:10] așa pe termen lung Deci[00:38:11] George Buhnici: ziceai că știi meseria asta de 20 de ani? Da,[00:38:13] Olga Ursu: din[00:38:13] George Buhnici: 2005 Ai [00:38:15] cunoscut pe cineva care s-a îmbogățit din Levier?[00:38:18] Și a păstrat banii?[00:38:19] Olga Ursu: [00:38:20] Da, n-a păstrat banii Am cunoscut pe cineva care s-a îmbogățit din Levier[00:38:24] George Buhnici: Îmi [00:38:25] povestești un pic, fără să dai nume[00:38:27] Olga Ursu: În criza din 2008 [00:38:30] Au fost absolut șoc pe toate piețele. Pe bursa [00:38:35] românească nu mai pusese așa o scădere niciodată. Aveam un profesor la universitate, era economist [00:38:40] șef la o bancă importantă și îmi zicea că el nu mai vede piața românească revenind [00:38:45] vreodată în 2009.[00:38:46] Atât de neagră era situația. Era un [00:38:50] pesimism în piață de... Efectiv nimeni nu mai avea încredere. Investitorii să [00:38:55] nu mai au de bursă lasă acțiunile alea în pierdere, o să le las [00:39:00] mușterile la nepoți, că copiii nu o apuce să prindă [00:39:05] revenirea Cam așa era sentimentul în piață.[00:39:07] George Buhnici: Așa-i acum pe BVB. [00:39:10] Parcă nu ne mai revenim.[00:39:11] Așa anyway, continuă.[00:39:12] Olga Ursu: Atunci în America, [00:39:15] a căzut banca Lehman Brothers, a făcut faliment, dar înainte de [00:39:20] asta, piața cădea și... [00:39:25] Aveam un coleg, broker, de la o altă societate de brocheraj, [00:39:30] care tranzacţiona opţiuni, care sunt tot [00:39:35] contracte derivate, prin care şi asigura un preţ de [00:39:40] vânzare stabilit şi dacă preţul acţiunilor scădea, [00:39:45] practic el vindea la preţul ăla ridicat şi [00:39:50] putea să le cumpere din piaţă mult mai ieftin.[00:39:52] Ei, el pătea foarte puţin pe [00:39:55] asigurările respective, pe opţiuni, ca o primă exact ca la o [00:40:00] poliţă de asigurări, dar era despăgubit cu toată suma toată căderea respectivă şi [00:40:05] levierea era imens. Ţi-mi minte că mi-a povestit că a făcut undeva la [00:40:10] 600.000 de dolari pornind de la 10.000.[00:40:12] George Buhnici: 60X Da. Da [00:40:15] Ok. Ce levier avea 10?[00:40:17] Olga Ursu: Aici la opțiuni levierul e mult mai [00:40:20] mare, dar riscul nu e la fel de mare. Adică, la opțiuni plătești o primă, e sumă limitată, nu [00:40:25] poți să pierzi mai mult decât prima plătită, dar poți să câștigi de sute de ori.[00:40:29] George Buhnici: [00:40:30] Ok. Și era câștigat de 60 de ori sumă investită.[00:40:32] Olga Ursu: Pentru tot capitalul nu a avut un [00:40:35] singur instrument de genul ăsta Au avut mai multe acțiuni, inclusiv au avut opțiuni pe Lehman Brothers.[00:40:39] Și,[00:40:39] George Buhnici: [00:40:40] practic, din căderea Lehman Brothers, el a făcut foarte mulți bani.[00:40:42] Olga Ursu: Da.[00:40:43] George Buhnici: Ce-a făcut cu banii?[00:40:44] Olga Ursu: [00:40:45] Nu știu povestea mai departe dar știu că după scăderea pieței, adică în [00:40:50] 2009, când bursa a început să-și revină, strategia asta, care a funcționat perfect [00:40:55] pe scădere, nu mai avea cum să funcționeze. Și atunci a tot mai testat [00:41:00] strategii, gândindu-se că e chiar bună în ceea ce face să pricepe la [00:41:05] trading.[00:41:05] Și așa e și capcana investitorilor care Pe bursă când crește bursa sunt foarte bun la [00:41:10] ce fac, dar când se schimbă trendul, atunci practic trebuie să te adaptezi ca investitor și el, ca [00:41:15] trader, din ce mi-a povestit nu au reușit să se adapteze, să-și [00:41:20] adapteze strategia. Au testat alte strategii, n-au mai fost la fel de profitabile și [00:41:25] știu că au renunțat să mai tranzacționeze opțiuni în felul ăsta, speculativ.[00:41:29] [00:41:30] Dar, atunci mi-a rămas mie ideea în minte că în următoarea [00:41:35] criză financiară vreau să tranzacționez și eu opțiuni. Așa m-am gândit după ce am vorbit cu el și am [00:41:40] zis că în următoarea, când o să vină o să fiu pregătit, o să am bani și o să fac [00:41:45] același lucru. Am trecut 10 ani. [00:41:50] În 2019 mi-am dorit să Dacă [00:41:55] vine o scădere și mă pregăteam pentru o scădere a bursei, să pot să tranzacționez și opțiuni.[00:42:00][00:42:00] Mi-am dat demisia de la BRD pentru că e foarte greu să tranzacționezi pe [00:42:05] compropriu fiind angajat într-o instituție financiară. Ai nevoie de tot felul [00:42:10] de aprobări, raportezi toate tranzacțiile. Și în 2019 [00:42:15] mă gândeam eu că ar putea să vină o criză. Burza a crescut de foarte mult [00:42:20] timp și am zis că la un moment dat o să vină.[00:42:23] Și zic ok, când o [00:42:25] să vină o să fiu pregătită. Și au venit într-adevăr nu m-am așteptat, e că nu [00:42:30] trebuie să știm în 2019 că o să vină în 2020 și că o să avem pandemie. [00:42:35] Dar a fost primul moment în care am testat și opțiunile pe scădere. [00:42:40] Și într-adevăr poți să câștigi foarte mulți bani în timp scurt, [00:42:45] n-am transacționat nici într-un caz o sumă foarte mare și [00:42:50] nici n-am făcut la fel de mulți bani ca el, oricum scăderea a fost mult mai [00:42:55] scurtă în pandemie, dar atunci am văzut cât bine funcționează instrumentele [00:43:00] astea pe cădere, pe panică când e volatilitatea ridicată.[00:43:03] Și mai [00:43:05] departe mi-am dat seama că dacă investitorii care eu am lucrat de-a lungul timpului ar avea acces la astfel de [00:43:10] instrumente, nu să speculeze să parieze pe scădere, ci să-și protejeze [00:43:15] portofoliile în astfel de momente, nu le-ar mai fi teamă să [00:43:20] investească. Și m-am apucat și am gândit eu un [00:43:25] curs.[00:43:26] Pentru investitori cum să-și gestioneze [00:43:30] riscul cu ajutorul opțiunilor. A fost primul program pe care l-am făcut eu pentru [00:43:35] investitor. Aveam foarte puțin că era super, super nișat, mult prea [00:43:40] un nivel foarte ridicat. Era nevoie și de experiență [00:43:45] și de capital, și de cunoștințe. Dar, a [00:43:50] fost debutul meu, ca să zic așa, în partea asta de educație financiară pentru investitori Am pornit de la care [00:43:55] credeam eu că e nevoie atunci Și...[00:43:59] De atunci fac [00:44:00] lucrul ăsta.[00:44:00] George Buhnici: Practic e ca un fel de poliță de asigurare în cazul în care, exact cum ai zis tu, cade piața. Problema este [00:44:05] că, dintre cei care ne urmăresc, cred că sunt procente mici care înțeleg cum funcționează lucrul ăsta și cei mai mulți [00:44:10] suntem în capcana asta. Ori trăim de la un salar la altul, ori investim un capital în [00:44:15] imobiliare, ori investim ceva în bursă ori investim...[00:44:18] Iar lecția cea mai [00:44:20] importantă cu care am rămas în minte din tot ce am citit, pe exemplu, de Nassim Taleb este că în viața unui [00:44:25] trader nu există decât un singur obiectiv realist. Don't blow up. [00:44:30] Să nu explodezi. Nu? Că asta este sperietarea cea mai mare între trader, mai ales cei [00:44:35] care, exact cum ai zis tu sunt pe opțiuni pe tot felul de instrumente derivate.[00:44:39] Să nu [00:44:40] cumva să-ți pierzi capitalul al tău și al clienților. E[00:44:43] Olga Ursu: foarte mare riscul să-ți pierzi capitalul ca [00:44:45] trader. De asta eu nu fac trading. [00:44:50] Am testat, mi-am dat seama că nu este pentru mine. Nu În nivelul [00:44:55] la care trebuie să fii implicat[00:44:56] George Buhnici: Dar nu prea aud oameni care să zică că eu sunt [00:45:00] trader și asta este viața mea.[00:45:02] Adică înțeleg că este o perioadă scurtă în care ce mai mulți fac [00:45:05] trading.[00:45:05] Olga Ursu: Sunt oameni care fac asta de mulți ani. [00:45:10] Și continuă și tot încearcă și tot încearcă. Și te întreb ok, [00:45:15] și dacă tot stai atât timp cu nasul în monitoare, că asta [00:45:20] înseamnă să fii trader. Faci ceva bani merită [00:45:25] Cei mai mulți nu reușesc să justifice orele [00:45:30] alea petrecute în fața ecranului.[00:45:33] Adică dacă ar dacă [00:45:35] ar dacă ar face banii altfel ar face mai mulți decât fac din [00:45:40] trading. Pentru că știi care e problema cu [00:45:45] tradingul și de asta nu recomand investitorilor să înceapă cu trading. [00:45:50] Sincer nici nu e o metodă de a face avere din trading, adică oricum foarte puțin reușesc, [00:45:55] dar de ce nu recomand este că nu o să-ți crești valoarea portofolului în timp.[00:45:59] [00:46:00] Pentru că valoarea portofolului, cum vorbeam mai devreme, te-o crești și din randamentele pe care ți le [00:46:05] produce investiția, dar și din aport de capital nou. Dar dacă [00:46:10] investești într-un fel foarte riscant, cum e tradingul, [00:46:15] nu o să te lase inima să pui capital nou, tot să [00:46:20] riști, tot timpul să riști banii. O să ai o sumă și o [00:46:25] tragi de ei să încerci să faci bani din ea, o să te focusezi pe asta, în loc să te focusezi O focusezi [00:46:30] pe creșterea portofolului, pe creșterea venitului și să acumulezi în timp [00:46:35] capital în portofoliu tău.[00:46:36] Deci cei care încep cu trading-ul rămân la un nivel mic. [00:46:40] Al portofolului pentru o perioadă lungi până să prind că, de fapt, stai un pic. [00:46:45] Am petrecut atât de mult timp [00:46:50] cu nasul în ecrane, tranzacțiuni, m-am stresat atât de mult și, de fapt cât am [00:46:55] făcut? Merită asta? În cele mai multe cazuri, răspunsul este nu.[00:46:59] George Buhnici: Foarte [00:47:00] interesant pentru că mulți ne imaginăm că poți să mulțești banii La asta ne gândim. [00:47:05] Dar, de fapt, în esență, dacă dai un pic de zoom out, este încercând să mulțești [00:47:10] banii, de fapt nu reușești să creezi valoare.[00:47:12] Olga Ursu: De fapt ți scade încrederea [00:47:15] că tu poți să produci valoare. Pentru că dacă nu ai rezultate acolo în [00:47:20] trading sau ai rezultate modeste comparative cu riscul la care te [00:47:25] expui, ok, nu merită să dau capital nou, nu merită să [00:47:30] muncezi să aduc capital nou și să-i pierd.[00:47:33] George Buhnici: Și[00:47:33] Olga Ursu: o să [00:47:35] rămână tot timpul la un nivel... Scăzut al portofolului. Când [00:47:40] focus-ul ar trebui să crește în portofoliu, prin aport de numerar, prin creșterea [00:47:45] prin randamentul pe care îl aduce portofoliu, dar nu doar din randament, adică nu poți să începi cu 1000 de [00:47:50] euro și să speri să faci un milion. Să întâmplă nu [00:47:55] cu 1000 de euro, dar să întâmplă 0,00 nu știu cât ca la [00:48:00] loto.[00:48:00] Sau ca în[00:48:01] George Buhnici: eSports, că sunt foarte mulți copii care își imaginează că se [00:48:05] pot apuca de eSports și să ajungă campion și să împartă premiile alea de milioane. [00:48:10] Că sunt tot felul de campionate internaționale la care, mamă ce premii se dau. Ok, da, dar acolo [00:48:15] cum să zic, short tail-ul este foarte short. Adică ce înseamnă asta?[00:48:19] Cei care [00:48:20] chiar câștigă bani sunt foarte puțini în dauna celor mai mulți, marea majoritate [00:48:25] care cheltuiesc bani și timp energie într-o chestie în care nu vor câștiga niciodată. [00:48:30][00:48:30] Olga Ursu: Cam așa e și în trading, dacă de să ne gândim și să fim sinceri[00:48:34] George Buhnici: Și atunci [00:48:35] cum creăm valoare? Hai să ne concentrăm un pic pe chestia asta.[00:48:38] Cum facem până la urmă? Așadar tu [00:48:40] vorbești despre faptul că ar trebui să-ți creezi un portofoliu și să-ți adaugi capital. Asta înseamnă că [00:48:45] trebuie să fii productiv în alte părți decât în bursă? Da trebuie[00:48:47] Olga Ursu: să faci bani în alte părți, în activitatea la care te [00:48:50] precepti tu cel mai bine, care te-ai pregătit atât și o să produci [00:48:55] valoare.[00:48:56] George Buhnici: Deci tu nu ne propui să ne îmbogățim pe bursă. [00:49:00] Trebuie ne îmbogățim din bursă aducând valoare, capital în alte [00:49:05] părți? Da, ne[00:49:06] Olga Ursu: îmbogățești treptat pe bursă nu din primă Ai investit o sumă și [00:49:10] gata. Nu[00:49:10] George Buhnici: e o idee bună să puni acolo 1000 de euro și să-i lazi 10 ani pe bursă?[00:49:14] Olga Ursu: [00:49:15] Sunt extrem de rare cazurile în care îmi merești o acțiune care chiar să crească [00:49:20] timp de 10 ani.[00:49:23] Sunt, într-adevăr [00:49:25] companii super valoroase și acum dacă ne uităm în urmă, în ultimii 10 ani au crescut spectacolul Dar dacă [00:49:30] te-ai fi dus acum 10 ani, s-ar putea să nu le fii ales pe acelea în portofoliu.[00:49:34] George Buhnici: Acum 10 ani [00:49:35] cred că încă mai puteai să pui pe Blackberry, pe Nokia, pe Xerox, Kodak.[00:49:39] Olga Ursu: Da, [00:49:40] acum ceva mai mulți ani, da, și acum nu mai aveai.[00:49:44] [00:49:45] Și n-ai fi pus, acum 10 ani n-ai fi investit în Nvidia, eu cel [00:49:50] puțin nu știam compania. Abia din [00:49:55] 2019-2020 am remarcat-o și o deveni [00:50:00] populară în ultimii 2 ani, 2 ani și un pic.[00:50:02] George Buhnici: Ce alte companii mai sunt populare în perioada asta? La ce te [00:50:05] mai uiți când vine vorba de investiții pe termen lung? Eu m-am uitat, pe exemplu [00:50:10] și să zicem că sunt încă unul dintre cei care poate au ratat Nvidia.[00:50:13] Avem alte priorități oricum. [00:50:15] Eu chiar am vizitat compania și știam de ce este în stare, dar chiar și atunci când ești foarte aproape și [00:50:20] vezi o astfel de companie și vezi de ce este în stare, nu te gândești că ai putea să-i și investești. [00:50:25] Însă în 2025, la ce fel de industrie te uiți, pe exemplu pentru [00:50:30] viitor?[00:50:30] Olga Ursu: Venim după 2 ani de creștere Pe sectorul tehnologic În continuare [00:50:35] există potențial, dar pe de altă parte sunt și multe [00:50:40] companii care au ajuns să fie evaluate foarte sus și am putea să avem o [00:50:45] corecție mai drastică în sectorul ăsta. De fapt pe piață am putea să avem o corecție [00:50:50] mai amplă. Deja am început odată cu tarifele [00:50:55] și cu îngrijurile cu privire la inflație și la creșterea [00:51:00] economică din SUA și la tot spectacolul ăsta geopolitic la care investitorii se [00:51:05] uită cum să se repoziționeze.[00:51:07] Așa că chiar e o perioadă de [00:51:10] repoziționare și în care n-ar trebui să ne aruncăm foarte repede să [00:51:15] vedem în ce plasăm banii.[00:51:17] George Buhnici: În momentul în care a depus opțiunea, de care ziceai tu? [00:51:20][00:51:20] Olga Ursu: Ar putea fi, sunt investitori care fac, din motivul ăsta indicele de volatilitate VIX [00:51:25] a crescut în ultima săptămână. Există loc de [00:51:30] scădere Poate chiar mai mult, adică probabilitatea ca piața să mai [00:51:35] scade e mai mare decât să continuă să crească.[00:51:36] Sau cel puțin e greu de [00:51:40] crezut că o mai crească în ritmul în care a crescut în ultimii doi ani. Acțiunile din Statele [00:51:45] Unite au tot scăzut în ultima săptămână. De fapt în ultima lună am avut o [00:51:50] scădere. Noi înregistrăm pe[00:51:50] George Buhnici: început de martie 2025, pentru că astea vor rămâne multă vreme Acolo se aibă oamenii [00:51:55] context.[00:51:55] Olga Ursu: Da. În schimb în Europa, bursele au crescut în [00:52:00] ultima lună și de la începutul anului au fost creșteri de peste 10%. Sectorul de [00:52:05] apărare din Europa au crescut foarte mult. [00:52:10] Companiile producătoare de armament au crescut explosiv de la începutul [00:52:15] anului. Oricum crescuse răși înainte, dar aici văd că [00:52:20] investitorii se repoziționează puternic.[00:52:21] George Buhnici: Abia a anunțat Ursula von der Leyen 800 de [00:52:25] miliarde pentru rearmarea Europei banii. Unde se vor duce În companiile alea.[00:52:28] Olga Ursu: Exact. Asta se [00:52:30] întâmplă pe piață și cum poți să-ți dai seama care companii și care sectoare ar putea să performeze [00:52:35] fix în cele în care intră banii și sunt și declarații pe care putem să [00:52:40] le urmărim și să intuim pe de altă parte este și foarte vizibil dacă te uiți în [00:52:45] acțiuni și pe anumite sectoare pe piață poți să-ți dai seama când intră bani într-un anumit [00:52:50] sector, într-o anumită companie, când ies bani din sectorul respectiv [00:52:55] și asta mișcă prețurile în sus și dacă e să ne uităm la piața din Statele Unite în sectorul [00:53:00] tehnologic au fost mai degrabă scăderi de la începutul anului Dar[00:53:03] George Buhnici: vine recesiunea America?[00:53:04] Olga Ursu: [00:53:05] Până vine, investitorii se poziționează întâi să sperie și apoi vine recesiunea dacă vine. [00:53:10] Sunt foarte multe momente în care investitorii se sperie și zic că anticepează vine recesiunea și apoi nu mai vine [00:53:15] recesiunea[00:53:15] George Buhnici: Dar eu aud un scenariu în care se pare că Donald Trump ar vrea să-i inducă o [00:53:20] recesiune care să reseteze economia pentru că încă de vreme în mandatul lui [00:53:25] vede problemele de deficit Și o recesiune l-ar ajuta să [00:53:30] dea drumul la imprimantaie mai repede.[00:53:32] Olga Ursu: Ar putea fi. Nu știu, nu m-am gândit [00:53:35] așa de... Ar fi așa de... [00:53:40] să fie creată o recesiune, dar prin măsurile pe care le ia [00:53:45] poate să împinge de economia americană Altfel[00:53:47] George Buhnici: de ce ai băgat tarife atât de dure [00:53:50] partenerilor, care până la urmă sunt plătite de cetățenii americani și nu sunt plătite de producători? [00:53:55][00:53:55] Olga Ursu: Da, investitorii americani acum își pun problema dacă [00:54:00] dacă lucrurile astea se întâmplă ce o să întâmple cu...[00:54:04] [00:54:05] adică ce o să întâmple cu inflația, ce o să întâmple cu dobânzile. Au crescut [00:54:10] din nou randamentul la titlurile americane, pe 10 ani, iarăși în creștere, [00:54:15] deși au fost eforturi mari din partea Fedului să scadă [00:54:20] ratele de dobândă și au fost... Câteva tăieri, un procent [00:54:25] din septembrie anul trecut acum din ce în ce mai puțin probabil să mai scadă [00:54:30] dobânzile și în piață să vede o tendință de creștere de dobânzi Deci[00:54:34] George Buhnici: practic [00:54:35] dacă economia americană se duce în direcția asta, investitorii pot să [00:54:40] zică bă nu știu, fac europenii ceva interesant acolo, sau trebuie să vreau să mont banii?[00:54:44] Să [00:54:45] întâmplă în[00:54:45] Olga Ursu: ultimii 10 ani a fost invers adică banii investitorilor europeni [00:54:50] s-au îndreptat mai degrabă sau banii investitorilor au ieșit din Europa s-au îndreptat [00:54:55] mai mult către Statele Unite[00:54:56] George Buhnici: Mergea atât de bine bursa era inevitabil, nu? [00:55:00] S-au făcut foarte mulți bani din bursa americană[00:55:01] Olga Ursu: Da, și în continuare este foarte mare potențial în piața [00:55:05] americană e cea mai mare piață de capital De-aia[00:55:09] George Buhnici: vorbim [00:55:10] atât de mult de America aici Da,[00:55:11] Olga Ursu: la nivel global e cea mai mare bursă sunt cele mai multe [00:55:15] oportunități Dacă la un moment dat piața americană [00:55:20] Devine iarăși atractivă iarăși să mută banii.[00:55:24] Acum este [00:55:25] atractivă este foarte mult potențial de creștere, doar că sunt momente în care se mai [00:55:30] reașează piața și asta poate să fie un astfel de moment.[00:55:33] George Buhnici: De unde zici tu că este acest [00:55:35] mare potențial de creștere? Pentru că încă o dată a tot crescut. Dacă ne uităm pe graficul de pe [00:55:40] bursa S&P și toate astea, se tot duce în sus, în sus, în sus.[00:55:43] La un moment dat trebuie să mai și [00:55:45] corecteze, nu? Da.[00:55:46] Olga Ursu: De ce se duce bursa în sus? Tocmai pentru că există acest [00:55:50] pote

In this profound exploration, we delve into the life-altering power of casting a vast vision for your future. Drawing inspiration from visionaries like the founder of Xerox, we examine how a clearly defined, long-term goal can magnetize experiences, people, and circumstances that resonate with our deepest aspirations.Discover the transformative nature of a 20-30 year vision that stretches beyond your current comfort zone. Learn how sustained focus on a bold, clearly defined goal creates a potent magnetic force that attracts corresponding experiences and opportunities.Explore practical techniques for nurturing and maintaining your vast vision:Daily recasting of your vision to keep it vivid and aliveShifting your time preference from short-term gains to long-term valueDeveloping a "thick skin" to stay focused amidst criticism and distractionsUnderstand how aligning your vast vision with service to others amplifies its power and impact. Learn to define your vision in terms of who you serve, what value you provide, and why your contribution matters.Gain insights into:Writing down and clearly defining your vast visionBalancing short-term goals with your long-term visionThe importance of mentorship and accountabilityJoining a community of like-minded visionariesThis exploration offers a fresh perspective on personal power, inviting you to consciously shape your reality through the art of vast vision cultivation. Are you ready to dream bigger than your comfort zone and walk boldly towards your highest potential?Join the Brave Mystic Training Waitlist:https://www.schoolofi.org/page/633401-the-real-you-brave-mystic-training

SPONSOR: Direct Bullion. Download your free Guide to Gold Pensions Now. (plus get a special bonus).CLICK HERE NOW: https://robmoore.directbullion.com Rob talks to billionaire real estate investor Robert Kiyosaki. Robert Kiyosaki shares shocking claims about our financial system, predicting a massive economic crash while revealing his strategies for building wealth without paying taxes. From advocating gold ownership to dismissing traditional investment advice as "loser" strategies, Rob and Robert Kiyosaki challenge conventional financial advice and might just change how you view money forever! KEY TAKEAWAYS Robert Kiyosaki believes we're witnessing the end of the American Empire, claiming that all empires eventually collapse when they debase their currency, as happened when the U.S. took the dollar off the gold standard in 1971. Real wealth comes from using debt strategically while owning physical assets like gold and silver, not from saving fiat currency. Robert Kiyosaki pays zero taxes legally by using tax incentives, forming a team of experts and structuring investments through real estate and precious metals, arguing that taxes primarily burden employees while entrepreneurs can legally avoid them. Traditional investment advice (like the 40-40-10 split between stocks, bonds, and gold) is described as 'the worst advice possible' by Robert Kiyosaki, warning that bonds will crash as interest rates rise, potentially wiping out banks and pensions. Robert Kiyosaki predicts silver will triple in value over the next two years and the silver-to-gold ratio will shift dramatically, making precious metals a better investment -vs- cash or digital currencies. Robert Kiyosaki talks about the importance of entrepreneurship and friendship in building wealth, sharing how he and his best friend pushed each other from their days at Xerox in 1974 to becoming multi-billionaires who "own the mines" rather than just the coins. BEST MOMENTS "Every empire dies when they violate this, when they changed the money... The reason you're doing so well today is because the dollar became debt... So real estate guys like my friend Trump and all that, we get rich using debt." "For me to get rich, I have to use debt, but what do our schools teach us? Stay out of debt. That's how stupid school teachers are. Debt makes guys like you and me rich. And ironically, because we use debt, we don't pay any taxes." "People who buy stocks, bonds, mutual funds are frickin losers. Why? Because you pay tax... I'm an entrepreneur. I am not an employee. I was a stupid kid in school, flunked out so many times." "One of the best assets you can have is your friend. So my friend and I always swore we'd be rich... We both met at Xerox in 1974. And we just pushed each other along, and today we're multi billionaires." VALUABLE RESOURCES https://robmoore.com/ bit.ly/Robsupporter https://robmoore.com/podbooks rob.team ABOUT THE HOST Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller “Life Leverage” Host of UK’s No.1 business podcast “The Disruptive Entrepreneur” “If you don't risk anything, you risk everything” CONTACT METHOD Rob’s official website: https://robmoore.com/ Facebook: https://www.facebook.com/robmooreprogressive/?ref=br_rs LinkedIn: https://uk.linkedin.com/in/robmoore1979 See omnystudio.com/listener for privacy information.

This episode's Community Champion Sponsor is Ossur. To learn more about their ‘Responsible for Tomorrow' Sustainability Campaign, and how you can get involved: CLICK HEREEpisode Overview: The traditional infusion care experience is overdue for a consumer-centered transformation. Our next guest, Torben Nielsen, is leading this revolution as CEO and Co-Founder of Uptiv Health. With 15+ years building innovative healthcare solutions and executive experience at retail giants like LEGO, Torben brings a unique consumer-first perspective to healthcare delivery. After successful leadership roles at ZoomCare and HealthSparq, he's now reimagining infusion care for patients with chronic conditions through Uptiv Health's retail-based centers. The platform combines comfortable, private treatment suites with a comprehensive digital experience that extends care beyond the infusion chair. Join us to discover how Uptiv Health is delivering spa-like experiences at half the cost of hospital settings while setting a new standard for whole-person care in the $150 billion infusion market. Let's go!Episode Highlights:Uptiv moves infusion care from hospitals to retail locations, offering a "spa-like" experience at 40-70% lower cost.Private suites and a 1:3 nurse-to-patient ratio help achieve a remarkable 99 NPS score.90% of patients use Uptiv's app for appointment management, messaging, and health data access.Beyond infusion, Uptiv provides whole-person care including behavioral health screening and therapy services.Raising Series A funding to expand, while seeking partnerships with health systems to shift biologics to retail settings. About our Guest: Torben is the CEO and Co-Founder of Uptiv Health, a fast-growing tech-enabled infusion care platform providing in-person and virtual infusion and chronic condition management services. Prior to Uptiv, Torben was CEO of ZoomCare, an on-demand retail & virtual healthcare platform, scaling it to the largest primary and urgent care provider in the Pacific Northwest serving 350,000+ patients annually. Prior to ZoomCare, Torben co-founded a software-as-a-service company, HealthSparq, in 2012 and grew it to the second-fastest-growing digital health company in the US in 2016. Before entering healthcare, Torben held executive roles in technology and consumer companies like XEROX and LEGO. His leadership was recognized by the Portland Business Journal as "Executive of the Year" in Oregon in 2021. Links Supporting This Episode: Uptiv Health Website: CLICK HERETorben Nielsen LinkedIn page: CLICK HEREUptiv Health LinkedIn: CLICK HEREMike Biselli LinkedIn page: CLICK HEREMike Biselli Twitter page: CLICK HEREVisit our website: CLICK HERESubscribe to newsletter: CLICK HEREGuest nomination form:

Jordan and Brooke are rejoined by one of the all-time greats Emily St. James to talk the most memeable film of 2024. Existing beyond certainties! Xerox drama! Nespresso! The incredibly complex ideas of faith and belief! This movie has it all. Plus we discuss the nuances of adaptation for the screen, casting within the GNC community, Emily's incredible new book, and if we correctly predicted Best Picture (we didn't!). CONCLAVE HIVE RISE!Follow us on Twitter, Bluesky, and IG! (And Jordan's Letterboxd / Brooke's Letterboxd)Buy Woodworking, subscribe to Episodes, listen to "Podcast Like It's...", and watch Yellowjackets (buzz buzz!)PopeCrave Conclave charity zineThis episode is sponsored by Super Yaki! Use code: SUPERQQ for 10% off

In their eighth episode but their first with an actual series name, Keypoint Intelligence's Anne Valaitis and Carl Schell belatedly greet the new year with new tech talk. After starting with thoughts on the potential Xerox-Lexmark deal, they dive into conversation around customer communications and customer experience (CX), along with the research being conducted, before turning their attention to video and why it's so vital these days.

On this episode of Management Development Unlocked, Ryan Weber joins Eric to talk about his path into leadership and how his youth spent playing hockey helped develop his skills. Ryan is Vice President of Workforce Planning and Tax Pro Experience at H&R Block. He's been with the company for 14 years, working in various roles. Ryan shares how he honed his leadership skills with a course at Xerox, why moving to Hawaii taught him relationships matter, and when corrective action at work can be positive.In this episode, you'll hear:Ryan Weber's journey into leadership at H&R Block, how youth sports helped start him on that path, and the impact Xerox's sales course had.The three things that have impacted Ryan's sales leadership roles the most.How a move to Hawaii taught him to foster trust and build relationships, which carried over to his work.Dealing with career setbacks and how to overcome and learn from them.Asking leadership what you can do to improve as a part of propelling your career forward.The influential forces on Ryan's career outside of his family.When corrective actions can be a positive influence at work.Ryan Weber's advice for new leaders today.His experience as a hockey player throughout childhood and why he's more nervous about coaching his kids' teams than adults at work.Connect with Ryan Weber:LinkedIn---Head over to girardtrainingsolutions.com to take a look at the 20+ courses I offer for new and experienced managers! Get your copy of the Amazon #1 Bestseller and #1 New Release Lead Like a Pro - The Essential Guide for New Managers while you're there!Connect with me on LinkedIn.Please subscribe and comment!

We sit down with ServiceNow CEO Bill McDermott for a masterclass in the art of enterprise sales — a topic where Bill ranks as one of the all-time greats by any measure. Bill started his career as a bag-carrying salesman at Xerox in New York City (alongside Howard Schultz!) back in 1983, and rose to become the company's youngest corporate officer at age 36 before going on to become CEO of global software giant SAP. Since joining ServiceNow in 2020 Bill has grown the company from $3.5 billion in revenue over $10 billion today, and a nearly $200B market cap — which makes it one of the largest enterprise software companies in the world. Whether your job directly involves selling or not (and if you're a founder, make no mistake — selling is the MOST important part of your job) there's something here to be learned for everyone. Break out your notebooks and enjoy!Links:ServiceNowThe SPIN selling methodBill's fantastic interview with Ben Thompson on StratecherySponsors:Vanta

Xerox Corp. v. Meta Platforms, Inc.

In this episode of Exploit Brokers, we dive into the dark world of cybercrime, exploring two alarming topics: a malicious Android loan app masquerading as a financial tool and Xerox printer vulnerabilities that could be leaking your credentials. Learn how loan sharks have moved from traditional methods to sophisticated digital predation, exploiting unsuspecting users via apps like SpyLoan. We break down how these apps bypass Google Play's protections, steal sensitive data, and push predatory lending practices, especially targeting vulnerable users. Additionally, we uncover how attackers are using patched vulnerabilities in Xerox Versalink C7025 printers to manipulate configurations, capture user credentials, and potentially gain lateral access to entire Windows environments. Whether you're a tech enthusiast or a cybersecurity professional, this episode offers valuable insights into how digital crime is evolving and what you can do to protect yourself. Don't forget to like, subscribe, and hit the notification bell for more in-depth analyses on cybersecurity threats and exploits. #CyberSecurity #AndroidMalware #LoanSharks #XeroxPrinterHack #DataBreach #DigitalCrime #SpyLoan #CyberThreats #ExploitBrokers #TechNews

My Very Personal Guidance and Strategies to Protect Network Edge Devices A quick summary to help you secure edge devices. This may be a bit opinionated, but these are the strategies that I find work and are actionable. https://isc.sans.edu/diary/My%20Very%20Personal%20Guidance%20and%20Strategies%20to%20Protect%20Network%20Edge%20Devices/31660 PostgreSQL SQL Injection A followup to yesterday's segment about the PostgreSQL vulnerability. Rapid7 released a Metasploit module to exploit the vulnerability. https://github.com/rapid7/metasploit-framework/pull/19877 Ivanti Connect Secure Exploited The Japanese CERT observed exploitation of January's Connect Secure vulnerability https://blogs.jpcert.or.jp/ja/2025/02/spawnchimera.html WinZip Vulnerability WinZip patched a buffer overflow vulenrability that may be triggered by malicious 7Z files https://www.zerodayinitiative.com/advisories/ZDI-25-047/ Xerox Printer Patch Xerox patched two vulnerabililites in its enterprise multifunction printers that may be exploited for lateral movement. https://securitydocs.business.xerox.com/wp-content/uploads/2025/02/Xerox-Security-Bulletin-XRX25-003-for-Xerox-VersaLinkPhaser-and-WorkCentre.pdf

Let us know if there's a topic you'd like us to cover! Welcome back to Green Industry Perspectives! In this episode, Jay Worth welcomes Christopher Regis to the show! Christopher worked in sales for some of the most iconic brands in America, like Ford and Xerox. And, growing up in Brazil, Christopher also developed a passion for protecting the environment. That led him to start Suntek Lawn Care (and Suntek Franchising), a company using all electric equipment recharged using solar power. Christopher shares why working on the business rather than in the business, obsessing over improvement, and falling in love with your customers (rather than your services) are the keys to success in the Green Industry. ---Check Out the SingleOps Events Page!Check Out the LMN Events Page!---Visit the Suntek Lawn Care websiteEmail Christopher: christopher@sunteklawncare.comCall Christopher: (754)265-6608Follow Suntek on LinkedIn

This week, I sit down with someone who's had an enormous impact on my life—my mom, Ann Brooks. She's built an exceptional career spanning nearly 40 years in sales, leadership, and entrepreneurship, working for Xerox, Haworth, and Allstate before becoming a financial advisor. As the primary breadwinner for our family, she's learned what it takes to manage high-performing teams, create scalable systems, and lead with integrity. Beyond business, this conversation is personal. My mom taught me some of the most valuable lessons I use every day—how to build teams, how to sell in a way that feels good for everyone, and how to lead with character. If you've ever wondered where my mindset on work and leadership comes from, this episode is a window into that foundation. Whether you call her Ann or Mom, I think you'll learn something from her story. Let's get to it! In this episode: (00:00) - Intro (03:29) - How Ann became a Georgia Bulldogs fan (08:49) - Growing up in Georgia (10:26) - Family dynamics and sports (15:47) - Cultural heritage and identity (22:25) - On working very early in life (23:49) - Key learnings from Ann's early career (25:11) - The value of hard work early in life (28:46) - How Ann ended up working at Xerox (32:46) - Cultural identity as an immigrant  (41:30) - The hard truth about sales (43:13) - How Ann and her husband met and the importance of their partnership (46:52) - The transition to Hayworth (48:47) - Managing teams and building relationships (52:58) - Balancing family and career (57:44) - Navigating a male-dominated industry (01:03:41) - Ann's philosophy on bringing a team together  (01:08:09) - On standards of excellence (01:16:05) - Evaluating the real cost of opportunities (01:19:48) - Embracing entrepreneurship (01:21:56) - The first day at the new agency  (01:24:09) - How Ann changed the trajectory of her business (01:27:47) - Selling the business (01:35:55) - Working on a business vs working in the business (01:38:46) - What drew Ann to the financial industry (01:42:58) - Where excellence and joy meet (01:44:55) - Ann's beautiful future (01:46:28) - Who Ann is becoming Get full show notes and links at https://GoodWorkShow.com. Watch the episode on YouTube: https://www.youtube.com/@barrettabrooks.

Learning and development is a key lever for CHROs to deliver strategic impact, but it can be a challenge to keep pace with workforce needs. As technology innovation impacts both critical skills and learning delivery, CHROs must evaluate the effectiveness of their learning initiatives and foster an environment of learning. Bala Sathyanarayanan, CHRO at Greif, joins the Talent Angle Podcast to share insights on how HR can build a learning culture. He explains why continuous learning is a necessity in today's world of work, and shares how HR can drive business strategy by tapping into employees' desire to grow. Bala V. Sathyanarayanan serves as the executive vice president and chief human resources officer at Greif. Before Greif, Bala held global leadership roles at Xerox, Hewlett Packard Enterprise, Coca-Cola and United Technologies. Bala earned a Bachelor of Science degree in electronics engineering and a Master of Business Administration (MBA) degree from the University of Madras in Chennai, India. He also holds a master's in human resources management from Rutgers University and graduated from the Advanced Management Program at Harvard Business School. Peter Aykens is the chief of research for Gartner's HR practice. Aykens is responsible for building and leading research teams within the practice to address clients' key initiatives. Before his current role, he spent over 25 years at Gartner leading research teams focused on banking and financial services strategy, producing numerous studies that addressed business strategy, channels, marketing, customer experience and product challenges. He holds a bachelor's degree in political science from St. Olaf College, a master's degree in international politics from Aberystwyth University (formerly known as the University College of Wales, Aberystwyth), and a master's degree and a doctorate in political science from Brown University.

Welcome to the Financial Freedom & Wealth Trailblazers Podcast! In this episode, we'll explore why relationships, not titles, are the real key to leading with influence, trust, and impact. Francis Jay Caputo is the Co-Founder of 4D Associates International designing and delivering professional development programs and curriculums for a wide range of international Fortune 1000 companies, government agencies and NGO's including Xerox, Prudential, BCG, Reyes Holdings, Lockheed Martin, Hewlett Packard, U.S. Marine Corp, USAID and International Rescue Committee among others. Jay is a CCA Certified Master Coach and the creator of the Transformative Coaching Certification Program (TCCP™), internationally accredited by the Certified Coaches Alliance (CCA). Jay has an extensive background in human and group development including two bachelor degrees and a Masters of Science degree in Conflict Analysis and Resolution from George Mason University. He is a former Certified District Court Mediator in the Washington D.C. region and has spent several years training in the Japanese martial art of Aikido. Jay has served on the boards of multiple philanthropic and non-profit organizations and is currently the Co-President on the Board of Directors for Education Rocks, an international non-profit (501c3) committed to ending global poverty through youth leadership and education.  In November, 2019, Jay delivered a TEDx Talk entitled Partnership and the Value of Interpersonal Conflict in which he introduced a unique framework for relationship building and personal leadership. More information about his work and philosophy can be viewed at his website: www.fjcaputo.com.  Jay resides in Lake Worth, Florida with his wife and daughter and their pets. Connect with F. Jay here:  www.linkedin.com/in/fjcaputo www.fjcaputo.com Grab the freebie here: https://linktr.ee/fjcaputo =================================== If you enjoyed this episode, remember to hit the like button and subscribe. Then share this episode with your friends. Thanks for watching the Financial Freedom & Wealth Trailblazers Podcast. This podcast is part of the Digital Trailblazer family of podcasts. To learn more about Digital Trailblazer and what we do to help entrepreneurs, go to DigitalTrailblazer.com. Are you a coach, consultant, expert, or online course creator? Then we'd love to invite you to our FREE Facebook Group where you can learn the best strategies to land more high-ticket clients and customers.  QUICK LINKS:  APPLY TO BE FEATURED: https://app.digitaltrailblazer.com/podcast-guest-application DIGITAL TRAILBLAZER: https://digitaltrailblazer.com/

Xerox CEO Steven Bandrowczak discusses the company's latest earnings and outlook for 2025. He speaks with Bloomberg's Alix Steel and Romaine Bostik. See omnystudio.com/listener for privacy information.

May 19-25, 1979   This week Ken welcomes comedian and old buddy Allen Strickland Williams to the show.   Ken and Allen discuss Nick at Nite, Laverse and Shirley, Barney Miller, what kids watch now, Perfect Strangers, Doral II, no tar = small junk, Pall Mall decisions, disco and pyschotic breaks, Fresh sexy t-shirts, AYDS, PBS funding, Mr. Rogers, Jimmy Carter's press secretary's thoughts on Reagan, Dick Cavett, Ed McMahon, Carson, The Amazing Randi, Rubes, miracle secrets for your less attractive wife, El Producto Cigars, CHiPs, Evil Evel Kinevel, Ghost Rider, Ralph Bakshi's The Hobbit sponsored by Xerox, Cool World, faking it til you makin it, Glenn Supper, prog rock, The New Riders of the Purple Sage, Don Kirshner's Rock Concert, The Brothers Johnson, Ruth Buzzy on Wayne Newston's having a good time, Guiness Book of World Records, the most women kissed in an 8 hour period, the debut of This Old House, Scared Straight, Oscar Winners, The Golden Age of Variety Shows, Quiz Show, Joker's Wild, A Vacation In Hell, Maureen McCormick, After the Bomb, documentaries on Human Sexuality, Benny Hill Street Blues, In Search of..., Gary Marshall, Lenny and the Squigtones, Ralph Nader, when Tongues Start Wagging, Friends of Eddie Coyle, Dinah Shore, the Beegees parents, That's Incredible!, Real People, Vega$, "Dan Tanna", Barney Miller's terrible font, failed pilots, being terrified of Alan King, loving Robert Mitchum, Gallagher, Bridgetown Comedy Festival, The Rockford Files, drag races with James Garner, Candlepins for Cash, Candlepin Bowling, Eric Estrada: Aztec God, creepy K-Mart ads, not getting the joke "This Beats Flying", and creepy sexy ads. 

This week, the girls are serving some wild cases! Summer covers the heartbreaking case of Cari Farver, a young woman who vanished in 2012. What begins as a missing person investigation soon unravels into a chilling tale of Baby Reindeer-level stalking, identity theft, and even murder. Cari's boyfriend, Dave Kroupa, is both a victim of stalking and an important link in uncovering the truth. Alyssa explores the chilling Xerox Murders, a devastating mass shooting that rocked Honolulu, Hawaii, in 1999. She covers the life of Byran Uyesugi, a Xerox technician whose unchecked anger and paranoia led to unimaginable violence in the workplace. Thanks for listening, friends

You know that moment when everything feels like it's falling apart, and you're not sure what to do next? That's where Glen Hellman, the executive leadership coach and founder of CXO Elevate, shines. He's taken companies from the brink of failure to massive success—including a $92 million exit—and now he helps entrepreneurs like us figure out how to keep going, grow smarter, and thrive. Over the past year, Glenn's been my go-to coach and has nudged (maybe beaten me up a few times, too) me to become more focused, more accountable, and ultimately more effective as I navigate the shifting paths of entrepreneurship.In this episode, Glen shares how he went from fixing broken companies back in the dot-com era to helping founders avoid those pitfalls altogether. We talk about his no-nonsense coaching philosophy, how he helps entrepreneurs stay adaptable in constantly changing markets, and the long-term value of building resilience and accountability. If you've ever felt stuck or unsure about your next move, this episode is exactly what you need.From Tech Sales to Transformational CoachingGlen started his career selling high-end word processors long before companies like IBM or Xerox would give him a shot. His determination paid off, and he rose quickly through the ranks, eventually working at a software firm that went public. He later ventured into startups, gaining invaluable lessons from both successes and failures about managing risk and navigating markets.Glen became known for turning around failing companies—cutting costs, reorganizing teams, and driving better results. But after years of what he calls “hospice care” for struggling businesses, he decided to shift gears. Instead of saving companies on the edge, he wanted to help entrepreneurs avoid those crises entirely, which led him to coaching.Glen's No-Nonsense Coaching StyleWorking with Glen is anything but cookie-cutter. He's not here to hand you a magic bullet or a perfect blueprint to follow. Instead, his approach is all about helping you figure out your path, stay accountable, and keep moving forward, even when the road gets bumpy. One of my favorite things Glen says is that running a business is like plotting a road trip to LA: you need to know where you're going, but you've got to stay flexible for all the unexpected detours along the way.What sets Glen apart is how he brings his lessons to life. He's a storyteller. Every insight he shares is rooted in real-world experiences—both his own and those of the entrepreneurs he's coached. He's great at helping you break down what actually needs to get done to move forward. But he also pushes you to take a hard look at yourself. Are you on track? If not, what's holding you back?Glen understands that no two entrepreneurs are the same. Some of us need structure to stay on task, while others need a push to dream bigger or take risks. He tailors his approach to fit what you need—and trust me, he'll make sure you follow through.Finding the Right CoachAccording to Glen, finding the right coach is like trying on gloves—you need a good fit. It's about more than just credentials; it's about trust, alignment, and personality. The best entrepreneurs he works with are the ones who stay curious, keep questioning their assumptions, and are open to growth.That fit goes both ways. Glen is only interested in working with people he can genuinely help, and he creates a safe space where you can be totally honest about your challenges. That kind of radical transparency is where real growth happens.Why Coaching MattersFor me, having Glen in my corner has been a game-changer. He's helped me stay focused on what really matters, hold myself accountable, and keep pushing forward. Whether you're working on finding product-market fit, pivoting your business, or scaling up, coaching isn't just about solving problems—it's about building habits and systems that help you stay on course.Glen's no-nonsense approach and focus on accountability have pushed me to step outside my comfort zone and grow in ways I didn't expect. If you're serious about leveling up, having the right coach can make all the difference. Glen's helped me, and I know his approach can help you, too.Key Insights:Break plans into actionable steps. Forget long, rigid business plans. Instead, focus on what Glen calls a plan: “a verb, a noun, and a date.” Decide what needs to be done, by whom, and when—and stick to it.Build accountability systems. Entrepreneurs often hold their teams accountable but lack someone to hold them accountable. Create regular check-ins with a coach or peer group to stay honest and focused.Find product-market fit—continuously. Product-market fit isn't a one-and-done task. Glen stresses the importance of regularly reevaluating your market to ensure your offering remains relevant, especially in shifting conditions.Be radically transparent. Create a safe, nonjudgmental space for open discussions—whether with a coach, partner, or peer group. Transparency helps you make better decisions and address issues before they become crises.Keep your vision front and center. Even in the chaos of day-to-day operations, ensure every decision aligns with your long-term vision. It's easy to get lost in short-term fires without a clear north star.Ready to Make Your Next Move?Let's be real—navigating growth, strategy, and leadership as a founder isn't easy, but you don't have to do it alone. Just like Glen has helped me, I can help you cut through the noise, focus on what matters, and take your business to the next level. Whether you're scaling, pivoting, or figuring out your next big move, let's talk about how we can make it happen together. Schedule a 15-minute chat today.Glen's best advice for entrepreneurs:“A plan is just a verb, a noun, and a date. That's it—get the next thing done, then deal with what comes next.”Resources mentioned:Progress SoftwareVistageUniversity of Maryland's NSF-funded PhD ProgramArticle in WashingtonianBooks by Glen HellmanCXO ElevateConnect with Glen Hellman:LinkedInWebsiteYouTubeFollow Beyond 8 Figures:LinkedInXWebsite

“Many countries are looking to lead on AI and embed it in as many aspects of our lives as possible. But right now we do not have an electricity grid that is built for this purpose. We also need to think about the fuel needed to power up this grid.” Dr. Stephanie Hare on Electric Ladies Podcast We're putting artificial intelligence (AI) to work for a variety of our problems on a daily basis -including climate change. How? In more ways than you might think, though it's the amount of electricity, water and fuel it requires that raises tough questions. Listen to Dr. Stephanie Hare, a researcher focused on the intersection of politics, technology and history, on Electric Ladies Podcast in an in-depth conversation with host Joan Michelson. Stephanie is also the author of “Technology Is Not Neutral” and co-presents “Artificial Intelligence: Decoded” on the BBC. Join us as we explore the promise and pitfalls of AI as a tool to mitigate climate change and increase equity.  You'll hear about: The hurdles and opportunities of using AI. Why environmental, social, and governance (ESG) data needs to be treated as a valuable resource. How we can ensure that AI is fair, accessible, and inclusive for everyone. Plus, career advice for being open to great opportunities. “Look at the problems you most enjoy solving, because the world is never going to be short of it. Stay open, nimble, curious, and flexible – and people will recognize that problem solver spirit in you.” Dr. Stephanie Hare on Electric Ladies Podcast Read Joan's Forbes articles here. You'll also like: Dr. Sophie Vandebroek, CTO of Xerox, on Democratizing Energy, Innovation & STEM Careers (this episode was recorded under the previous name of our show, Green Connections Radio) Paula Glover, President of the Alliance to Save Energy, on How To Reduce Carbon Emissions And Save Money With Energy Efficiency Erin McLaughlin, Senior Economist, The Conference Board, about her new report on buildings, climate change and carbon emissions. Laura Busse Dolan, CEO, Applied Imagination, which designs and builds miniature buildings from plants and botanicals. Dr. Emma O'Brien, Founder of the Global Scrub Choir and Head of Music Therapy at the Royal Melbourne Hospital, on how music builds bridges and how they use it to communicate about the public health issues related to climate change. Want to hear more from us? Subscribe to our newsletter to receive our podcasts, blog, events and special coaching offers.

In this episode of Enrich Your Future, Andrew and Larry Swedroe discuss Larry's new book, Enrich Your Future: The Keys to Successful Investing. In this series, they discuss Chapter 21: You Can't Handle the Truth.LEARNING: Don't put all your eggs in one basket; diversify your portfolio. “Once you have enough to live a high-quality life and enjoy things, taking unwarranted risks becomes unnecessary.”Larry Swedroe In this episode of Enrich Your Future, Andrew and Larry Swedroe discuss Larry's new book, Enrich Your Future: The Keys to Successful Investing. The book is a collection of stories that Larry has developed over 30 years as the head of financial and economic research at Buckingham Wealth Partners to help investors. You can learn more about Larry's Worst Investment Ever story on Ep645: Beware of Idiosyncratic Risks.Larry deeply understands the world of academic research and investing, especially risk. Today, Andrew and Larry discuss Chapter 22: Some Risks are Not Worth Taking.Chapter 22: Some Risks Are Not Worth TakingIn this chapter, Larry discusses the importance of investors knowing which risks are worth taking and which are not.The $10 million bet that almost didn't pay offTo kick off this episode, Larry shared a story of an executive who put his entire $10 million portfolio in one stock.Around the late 1999 and early 2000s, Larry was a consultant to a registered investment advisor in Atlanta, and one of their clients was a very senior Intel executive. This executive's net worth was about $13 million, and $10 million was an Intel stock. To Larry's shock, the executive would not consider selling even a small%age of his stock to diversify his portfolio. He was confident that this stock was the best company despite acknowledging the risks of this concentrated strategy. It was, in fact, the NVIDIA of its day. It was trading at spectacular levels. The executive had watched it go up and up and up.Learning from the pastLarry pointed out that there were similar situations not long ago, from the 60s, for example, when we had the Nifty 50 bubble, and, once great companies like Xerox, Polaroid Kodak, and many others disappeared, and these were among the leading stocks.Like this executive, many had invested all their money in a single company and had seen their net worth suffer greatly when these companies crumbled.This history serves as a powerful lesson, enlightening us about the risks of overconfidence and the importance of diversification.The Intel stock comes tumbling downSince he was a senior executive, he believed he would know if Intel was ever in trouble. Larry went ahead and told him some risks were not worth taking. He advised him to sell most of his stock and build a nice, safe, diversified portfolio, mostly even bonds.The executive could withdraw half a million bucks a year from it pretty safely because interest rates were higher, and that was far more than he needed. Larry's advice didn't matter—he couldn't convince him.Within two and a half years, Intel's stock was trading at about $10, falling about 75%. It was not until late in 2017 that it once again reached $40.Some risks are just not worth...

Robert Moment was born in Virginia and basically has spent his entire life there except for college which took him to Maryland. Robert received a degree in Business and, after college, he went to work in corporate America. He worked for a number of large corporations including Xerox in the 1990s. He tells us some of his experiences in the corporate world and how they eventually caused him to shift gears and start his own coaching and consulting business.   Today he is a recognized authority and he has authored several books. His newest one coming out shortly is "Believe in Yourself You Got This".   What I like about talking with Robert is his down to earth direct manner of presenting ideas. As he says fairly early in our discussion, his parents taught he and his brother to believe in themselves. Robert discusses with us this concept of self belief and how it differs from ego. As he says, his father taught him that “ego” stands for “edging God out”. Pretty clever. Robert gives us a number of practical tips and lots of advice we can put to use in our daily lives. I hope you will like what Robert Moment has to say.       About the Guest:   As a sought-after authority in leadership development, Robert Moment draws upon a wealth of Fortune 500 experience and certified coaching expertise to unlock the extraordinary in leaders and organizations. 1. Leadership Development Authority: Robert Moment is a leading authority in executive coaching and leadership development. Leveraging over 15 years of experience and deep insights from Fortune 500 environments, he empowers individuals and organizations to reach new heights. As an ICF Certified Executive, Leadership, Emotional Intelligence, Career, and Peak Performance Coach, his expertise spans diverse leadership domains. 2. Startup Success Catalyst: Robert holds unique expertise in nurturing cybersecurity, healthcare, fintech, and critical infrastructure startups, guiding them through scaling challenges to achieve revenue growth. His tailored approach fosters sustainable success for these firms within competitive markets. 3. Peak Performance and Emotional Intelligence Focus: Specializing in peak performance coaching, Robert works with CEOs, executives, and high performers, empowering them to lead empathetically with high emotional intelligence. This creates collaborative and thriving work environments. As a certified practitioner, he utilizes the Social + Emotional Intelligence Profile-Self (SEIP) ® Assessment to facilitate targeted development plans. 4. Author and Comprehensive Coaching Methodology: Robert's books, including "CEO Coaching for Cybersecurity Growth" and "Believe in Yourself You Got This," offer practical strategies for professional growth. His comprehensive coaching methodology uniquely blends experience with modern assessment tools for results-driven, transformative experiences. 5. Executive Development and Career Coaching: Robert collaborates with executives and rising leaders to refine leadership skills and drive organizational success. He assists individuals at various career stages through fulfilling transitions. By identifying strengths, clarifying goals, and aligning values, he ensures informed decisions for long-term career satisfaction.   If you're ready to unlock your potential, achieve peak performance, and create the leadership legacy you envision, Robert Moment is the coach to guide you there.   Ways to connect with Robert:   Robert@LeadershipCoachingandDevelopment.com The Moment Leadership Coaching Group 2200 Wilson Blvd. Suite 102, #158 Arlington, VA 22201 LinkedIn  https"//www.linkedin.com/in/robertmomentleadershipcoach      About the Host:   Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog.   Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards.   https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/   accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/   https://www.facebook.com/accessibe/       Thanks for listening!   Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below!   Subscribe to the podcast   If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can subscribe in your favorite podcast app. You can also support our podcast through our tip jar https://tips.pinecast.com/jar/unstoppable-mindset .   Leave us an Apple Podcasts review   Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.       Transcription Notes:   Michael Hingson ** 00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us.   Michael Hingson ** 01:20 Well, hello to you all, wherever you happen to be, I am your host, Michael Hingson, and this is unstoppable mindset. We're really glad that you joined us today. Our guest is Robert moment, and Robert is a sought after authority and leadership development he's written a number of books. He's a coach, and all sorts of other kinds of things. Talking to coaches are is always really kind of fun. I learn a lot. I got all this free coaching. What can I say? It's It's always interesting and relevant to hear different points of view and get to put everything in perspective. So I'm really glad to have the opportunity this time to talk to Robert, and he does a lot of leadership development, and interested in getting into that and talking about him as well. So enough of that, Robert, welcome to unstoppable mindset. We're really glad you're here.   Robert Moment ** 02:15 Well, thank you, Michael for the opportunity. I'm excited.   Michael Hingson ** 02:20 Well, we're really looking forward to talking with you and learning a lot. I hope Tell me a little bit about the early Robert, kind of growing up. And let's start with that just kind of where you came from and all that stuff. Well,   Robert Moment ** 02:33 the early Robert, I grew up about 30 minutes outside of Charlottesville, Virginia, and I graduated, really, I would say I'm a country boy at heart humble beginnings. And my father, he was ex military, and one of the things he taught my brother and I, I'm two years younger than my brother, was self disciplined, and to always believe in yourself. That's something that my parents ingrained in us, you know, early on, and that's something, you know, it's like, it's in my DNA, and that's what I communicate to my clients. And even when I was in corporate America, I was in corporate America for over 20 years working for Fortune 500 companies, like your Xeroxes of the world, Citigroup, manpower. And then then I transitioned into leadership and executive   Michael Hingson ** 03:21 coaching. So where did you go to college? I   Robert Moment ** 03:24 went to college. Now it's called Washington at Venice University. It's about, I would say, 20 minutes outside of Washington, DC, in a place called Takoma Park, Maryland. And my degree is in business administration. But   Michael Hingson ** 03:39 you're mostly stuck in a rut, aren't you? You've lived in Virginia basically all your life.   Robert Moment ** 03:43 Yes, I have now. I've traveled globally, but yes, my, my my home base is, yes, Virginia. Now   Michael Hingson ** 03:52 I have to tell all of you listening that before we started this, Robert was saying that he loves the spring and summer and is not a winter person. So I'm not quite sure I totally understand the paradox, but there you are. But no, it's it's fine. You could be further north in Massachusetts and Maine and New Hampshire, and get a whole lot more snow than you get in Virginia. You   Robert Moment ** 04:16 know what, Michael, when I see when I watch TV, whether it's, you know the weather channel, or CNN, and I see the snow in Boston, upstate New York and Rochester and Syracuse. I am glad I'm in Northern Virginia.   Michael Hingson ** 04:31 Boy, it was interesting, if you remember from the Weather Channel, last year here out in Southern California, we had crazy, crazy weather in Mammoth and some of the areas around here, they had, you know, overall, more than, like, 50 feet of snow, and it eventually went away. But we had incredible amounts of snow in Tehachapi and Wrightwood, the snow was so high that a. Cover the roofs, and some roofs collapsed because they couldn't take all of the snow, and the roads were blocked so people couldn't get in and out, which also made it very interesting. And we here in Victorville, were down in a little valley. We're about 20 850 feet above sea level. We had two or three inches of snow one Saturday afternoon, and that   Robert Moment ** 05:23 was it. Wow, I did see that. I saw that. And I said, you know, I couldn't believe it. Yeah, it was, it was dangerous, treacherous. Yeah, it really paralyzed a lot of people, because they couldn't leave the house, homes.   Michael Hingson ** 05:38 Yeah, they couldn't at all. And the the thing is, like mammoth, I think it was mammoth didn't even close their ski season until last August. Well, this year, it's different. They're closing Sunday. Still, it's a while. Well, it is, it is, yes, so you said you worked for a lot of corporations for quite a while. So you started that, I assume, right out of college, because you had the business background, and what did you do for them?   Robert Moment ** 06:07 Well, I was like, for instance, corporate executive, sales, business development, account manager, a lot of titles, but I learned a lot, especially back then, like Xerox Corporation, you went through a lot of training, yeah, and that training that really, I was able to leverage it and, you know, transfer to other corporations. And one of the things I learned, it really wasn't so much that when I transferred to other organizations, because that was in telecommunications. I was in insurance. Manpower is more about human development. It was really about building people skills. Yeah, people skills, and then business acumen, because you can learn the products and the services, but to be able to build relationships. That was really my, one of my strongest suits.   Michael Hingson ** 07:04 Well, Xerox information systems, back a long time ago, in part, began because they acquired a company. I worked for Kurzweil Computer Products. So I I was sort of assimilated into Xerox, because I worked for Kurzweil, and then Xerox bought Kurzweil. They wanted the technology, though, they didn't really have as much interest in the people as demonstrated by the fact that within a couple of years, all the salespeople who worked for Kurzweil pre Xerox takeover were all invited to leave. And you know those those things happen, and I think it's a serious mistake when companies do that, because they lose all the tribal knowledge and all the information and the background that people have. And like you talk about the fact that you learned so much about people skills and interpersonal dynamics as you went along. And I think the companies really lose a lot of that when they buy a company and they assimilate it, and then they get rid of the people,   Robert Moment ** 08:10 you know, I'm glad you wanted you touched on that, because I'm working with a potential client and they want to buy the smaller cybersecurity startup. And when you do that, a lot of times, you know, you gotta look at the culture, and when you mention that, they let people go, you know, a lot of times good people who've been there, whether it's, you know, five years, 10 years, you know, that's a lot of intellectual property that's walking out the door, and a lot of times, for instance, they know that customer is better than the person who's acquiring them. Why do companies do that? You know, sometimes you know they want to cut costs, but cutting costs sometimes is not good business sense, because usually the company who takes over is the one who's going to let the existing employees go in, right? Because they want to bring down people. But when I want to talk to the CEO, you know, if he becomes they become a client. That's something I want to warn and caution, caution him, you know, don't go into, oh, I want to clean house and want to bring all of my people in, because this company does have some major business with several major hospitals, and you know, that's relationship building. And that relationship building took years for them to when I say years, maybe about, I think they said five or six years. So, yeah, go ahead. So that's important. You know that relationship, the existing company has that relationship, and I told him, I would tell him, you want to make a smooth transition.   Michael Hingson ** 09:57 Well, and the reality is, it's. Some point, you can bring your own people in, but you're going to have to hire people to replace the people you you move and other things. At some point, it would make a lot of sense to really evaluate people and their skills and look at what they bring to the company before you just let them go. I was the last sales guy to be let go from Kurzweil and I had been relocated, actually, in late 1981 from Boston. Well, I lived in Winthrop and we worked in Cambridge. Then I was relocated back out to California because I knew that area better and and it was pre Xerox takeover, but the discussions had begun. But in 19 late, 1983 into 1984 was clear that Xerox had had taken the company, and some people were leaving. I was the last of the sales guys to be let go. I don't know whether that had to do with blindness or whether I was just so far remote because I was cross country, but they did it nevertheless. And I think that they made a serious mistake by losing, if you will, so many people, it just isn't a bright idea to do.   Robert Moment ** 11:25 You know, it isn't, because even when I was there, Michael Xerox was losing a lot of market share. Yeah, yeah. When I was there, they was losing when I went, when were you there? I was there like in in 1992 and they was losing a lot of market share to,   Michael Hingson ** 11:46 it's canon, yeah, and IBM.   Robert Moment ** 11:49 IBM, yes, they was losing a lot of market share. And, you know, they got became complacent. Yeah,   Michael Hingson ** 11:58 they did and and didn't, and probably never really had a clue about why they were losing so much market share. But nevertheless, it happened, yeah,   Robert Moment ** 12:08 I mean, Xerox was, I mean, in terms of, I mean, too top heavy, in terms of, I mean, it seems like every quarter they was hiring people, but in terms of market share, yeah, they was losing market share. And then a company called OSE came in Rico, the Japanese, the Xerox almost went under, yeah, yeah, yeah. I   Michael Hingson ** 12:37 one of the reasons I was asked to relocate to California. And like I said, they just started the discussions, but because I had spent time on and lived on the west coast for most of my life, the other thing they wanted me to do was to interface with the more technical parts of Xerox. Namely, they had a facility called Park Palo Alto area Research Center. Yes, I wonder if that's still there. Do you know? Yeah, I don't know. You know, yeah, I don't either. But I, I did a lot of work to integrate some of the information from Kurzweil into Park, which is part of what I did. And it was, it was fun. Got to meet a lot of and know a lot of the people there, and I would have thought that they would have been a little bit smarter about how they how they dealt with me, but and other people, but it, you know, it goes the way that it goes. I hear it a lot in the broadcast industry. Somebody comes in and they buy a radio station or a television station, and they phase out all the people who are already working there, which is so crazy.   Robert Moment ** 13:46 Yeah, it, yeah, I've heard that. I've heard that too, and I've actually here, I can't think of what, what station, but yes, I've heard that, and that's consistent, I think across the board, yeah, it is   Michael Hingson ** 14:03 well, and I think it's a little bit different, not necessarily totally, but a little different, because what they're doing is they're probably changing formats and other things, and they want to bring in people who are familiar with but I also Do think that they don't look at the value that, if you will, tribal knowledge, even in a radio environment, can play. So what do you do? Well, you said something earlier, interesting. You said that your parents brought you up being very self assured, self confident, and so on. I think that's that's an important feature and skill that we ought to have. Do you? Do you ever find, though, that you're too self confident, and it go in a kind of transitions over into arrogance, as opposed to just self confidence?   Robert Moment ** 14:55 You know, one of the things my father, you. Taught us you have to be careful about ego. Because he said, ego, you know that can be blind, blind confidence and blind confidence. You know that's tied to external validation, you know. And he said, you know, really, self belief is about trusting, you know, trust in your inner knowing. And not only trusting your inner knowing, it's you know your instincts and and just know deep down, you know you are capable of overcoming challenges and achieving goals. And you know, he even taught us, even said this, and I don't know he didn't invent this, but he said, you know, ego is edging God out, and you want to focus on just trust and believe yourself. You're going to have challenges, but you really have it's a fine line, that ego confidence is great, but that ego that goes beyond confidence, that you know sometimes you don't even really look at reality like you feel like you're invincible. And I think when you think you become invincible, that's when arrogance and ego come in.   Michael Hingson ** 16:17 If you're really invincible, you don't have to show it. It is just the way it goes. Well. Have you ever had a time in your life when you experienced something that really caused you to face a major challenge and doubt yourself, and how did you deal with that?   Robert Moment ** 16:37 My first corporate executive position that inner critic came up. An inner critic is, do I have what it takes? Am I good enough? And how I acquired my inner critics? And it is still comes up, sometimes even now, with opportunity, but I have to say to myself, I have to take inventory. Look at your past successes, look at your past wins, and look at the skills that you bring to the table. And those skills are transferable, whether it's a client that I'm coaching now or a future client, bigger client, but just because sometimes you know, when the opportunity comes, we excited. We get excited about the opportunity, Michael, but then, like I said for me, that inner critic is like, Okay, are you ready for this? And I have to remind myself, Yes, you are you. You have more than enough. You are enough, and you can do this.   Michael Hingson ** 17:39 So what really happened that caused a lot of self doubt with that first job,   Robert Moment ** 17:45 the responsibilities, the revenue that I needed to generate, that I had never had that kind of revenue before, and and the people who I was going to manage, but at the end of the day, you know, I said, You know what? They would not have given you this position, and if they didn't think you could do it. And then look at your look at the skills that you have. And once again, I took audit in terms of the skills, my transferable skills, and I was able to succeed. But still, that inner critic, inner voice that happens even now as a coach, how do you   Michael Hingson ** 18:24 how do you get past that inner voice? Doing that,   Robert Moment ** 18:28 I created an acronym. An acronym is B, line, B, E, L, I, E, and it starts with I begin self awareness and I understand my strengths and I understand my weaknesses. And then E, I embrace my imperfections, and because everyone has them, but what makes me unique? And then L, I learned from my setbacks. I know there's obstacles and opportunities for growth. And then I invest in self care, I prioritize my physical and mental well being, and in E I empower that inner voice to silence any negative self talk, and I just focus on the positives,   Michael Hingson ** 19:11 one of the things that we talk about on unstoppable mindset. And I've said it a number of times, so I hope people don't get too bored, but I think it's important to say, I used to always say, I'm my own worst critic. I listen to speeches when I give them. I did it some when I was program director at the campus radio station at UC Irvine K UCI. I've done it a lot of times. I listen to myself, and I always used to say, you know, I'm really hard on myself. I'm going to be harder on myself than anyone else. Anyone else, because I'm my own worst critic. And actually, only the last over the last year have I realized wrong approach. I'm not my I'm not my own worst critic. I do believe in, and have always believed in the kinds of things that you're talking about, introspection on. Self analysis and so on. And what I realized is that, in reality, no one can teach me anything. They can provide the information, but I'm the only one who can teach me, and I've changed from saying I'm my own worst critic to saying I'm my own best teacher. And the reality is that just totally reshapes the attitude, and I will will tell you that it also helps in dealing with that inner voice. Because when I start to think about that, I think about, okay, how do I teach me? Well, it goes back to self analysis. It goes back to introspection. What worked today? Why didn't that go as well as I thought that it should, and it could be I was just too, too confident, and I've got to be open enough to acknowledge that, and okay, so what do you do to make sure that doesn't happen again? So I love the approach of I'm my own best teacher, because it's such a a positive and more constructive way of helping to guide you into introspection and real self analysis.   Robert Moment ** 21:06 You know, I love the concept, you know, I would say, Isn't that owning your power? Sure, yeah, I would say that's Michael, that's owning your power. It   Michael Hingson ** 21:17 is owning it's owning, well, it's owning your power, and it's owning your actions and what you do, and when you acknowledge that, then you can sit back and look at it and go, Okay, so let's discuss brain what happened. But that's exactly right, and I would rather look at things with something that will really move me forward. Rather than saying, let's criticize other people can criticize me, but then ultimately, I have to go back and listen to and look at what they say and decide, okay, where's the merit they're saying it, maybe there's something to it, but is there really, or how much? And take it to heart, but come to a decision and move forward. You   Robert Moment ** 22:11 know that, you know, I call it, I would, you know, reframe it, and that that was a, that's a major pivot shift in terms of your mindset and your thought process. Yeah, because, you know, a lot of times people, we can be our own worst enemy, and, like you said, our own worst critic. But how you're reframing it from a positive more so than a negative because most people want to, they start with the negative instead of the positive. Yeah, yeah. So I like how you're reframing that. Because just like this is that self talk, you know, you can say, you know, I'm not good enough. Well, say I am good enough, just that slightly framing, because I always words have power, and you continue to repeat something, you will believe it,   Michael Hingson ** 23:09 and you can also say, How can I get better? Yes, and take the time to really analyze it, because I believe that ultimately, when we look at ourselves, we can, if we practice it and develop that mind muscle, we really know the answers, but we have to listen to get them to come to the surface so we can deal with them. The fact of the matter is, we know a lot more than we think we do. We underestimate ourselves. And so often something comes up, and suddenly we think of an answer, but we go, oh, no, that's too easy. Or no, that can't be it. And we go back and, yeah, you see what I'm saying. And we go back and overthink it, and then come up with what turned out to be the wrong answer, because we wouldn't listen to ourselves with the right answer. You   Robert Moment ** 24:05 know, I feel as though the universe is always talking to us, and sometimes we have to be still. And for instance, you know, if I'm coming up with a book title, like you said, if it's too easy, it's like, well, that's too easy. Well, no, that's probably the book title that you need, yeah, or the article title. You know, a lot of times we think, if it's too easy, that's not the solution. But here's something that was, I learned in corporate America, we would, here's an example, a client had a problem. Let's say it could be any problem. And we, you know, meet with the client. The client, they have five people, you know, representing our company, and maybe we have three or four, and they said, you know, they've had this problem. Six. Months, and I'm listening to the client, and I said, you know, this is the solution. And I remember telling a VP, I wasn't at the VP level yet. We we had a debrief, you know, like in the lobby after the meeting, and I said, this is the this is a solution. This is the solution to the client problem, and this is what he said. He said, That's he said, No, that's to he said, not. The meeting lasted maybe almost almost two hours, and he said, No, that. He said, You know what a client, we can't go back to the client and say that's the solution because they had the problem. He said, for over six months, and what we want to charge the client, we got to drag this out. And I said, Why drag it up? They got a problem. And he said, they will not believe that we solve this problem within two hours. So I you know he was a VP, yeah, Michael, it we went through, I want to say this is years ago, five or six meetings and the solution, it was this, right solution, six meetings, and then finally, we tell the client, okay, we have come up with the solution. And that's when I think I said, you know, I don't think I'm going to be in corporate America too long after that,   Michael Hingson ** 26:35 you know? And I've, I've talked about it a few times after leaving Kurzweil because I was dismissed, as it were, or Xerox. Actually, at that point, I couldn't find a job because people wouldn't hire a blind person. And it's still way all too often the case, the unemployment rate is, you know, incredibly high. Depending on where you are. It could be 60 65% significantly higher, and I was looking for a job and wasn't finding one. And so what I eventually did was I started my own company selling computer aided design systems to architects, a blind guy selling cat systems. Why not? You know, I didn't need, I didn't need to work the system, but I did need to know how to work the system so that I could describe it to people. Well anyway, as we started working with architects and so on, they would say, well, we can't as much as this system works and all that we can't take on this system because we charge with our by our time, with our with our effort and our time, and if we use the CAD system, we'll get done in a fraction of the time, and so we'll not make as much money. Well, you know, my response was, you are looking at it all wrong. You're bringing in new technology. You're bringing in so much more capabilities, because you could bring a customer in, and you can do walk throughs and fly throughs and show them exactly what it looks like looking out a window from inside a building and all sorts of stuff. They can say they want to change something, and they can make the change, or you can make the change as they suggest it. You're not charging for your time anymore. You're charging for your expertise. You don't need to charge less, but you're charging for all the expertise and the skills and the added value that you bring to the sale. And the architects who got that, and there were some who did and some who didn't, but the architects who got it really began doing extremely well, because they could also then go off and look for more customers more quickly, quickly, yeah, and we, we really, we really need to remember that there are, on a regular basis, new and better solutions coming up, and it's hard to keep up with everything. But by the same token, if we can be aware of what we need to do to make everyone's lives better with whom we work, we're going to do better, because they're going to do better.   Robert Moment ** 29:20 I totally agree. Because, you know, when I'm working with clients, even if the first two sessions, I have a solution, I'm not going to say, okay, you know what? Hold on to this solution until coaching sessions. In six months into the coaching session, you know that? You know, yes, for me, it's integrity. That's one, but two, I want all my clients to succeed as fast as quick as possible. And you know, I remember, gosh, when I started out this client, he's I said, one of the questions I was asked, have you. Ever had a coach before? And he said, Yes, I had a coach before. And I said, Well, how did it work out? And he says, I felt as though he had solutions or could help me, but he dragged out the process. And I said, Okay, that's not gonna happen with me. Because then I thought, you know, I thought back in my experience when I was in corporate America, yeah, when you have the solution, but, you know, I think I really want to coach him for another six months, not for two days, or, you know, two weeks. So, yeah, well, you   Michael Hingson ** 30:35 could coach him for another six months. It's just that you're going to evolve and go in different directions, if that makes sense to do, yes, yes. And if it doesn't, you're going to have a very happy customer who's going to tell other people about you. Absolutely   30:51 yes. Well,   Michael Hingson ** 30:54 I want to get to your transition, but first, just following up on something we talked a little bit about, how do you really tell the difference between overconfidence, or what you call our inner critic and or whatever, and the whole real issue of healthy self evaluation? How do we really make those differentiations?   Robert Moment ** 31:16 I would say, in terms of, like I said, ego is self validation. I'm sorry, self validation, or external validation, when you're talking about self belief, that's trusting, that's a inner knowing, that's your inner being, your core. And I think that's the difference, and because when you're talking about self belief, you begin with self awareness. I don't know anybody who has a huge ego focuses on self awareness. They don't understand. They not want to talk about understanding our strengths, understanding our weaknesses, ego. They just don't but when you talk about self belief, self awareness, and then they embrace their imperfections, to me, that's, that's, that's very, very important. And then I can say, when you talk about investing in self care, you do prioritize your mental well being and also your physical well being. You take, really, you take inventory of self   Michael Hingson ** 32:21 as you should, and it's something that you, if you're doing it right, probably do on a regular basis. Yes,   Robert Moment ** 32:29 that's one thing I tell clients weekly. There's five questions I might give them depending on the individual to do what I call a mental coaching, self, self, mental coaching each and every week, because mental health, you know, it's, it's prevalent, and especially the higher you are as an executive, the pressure and self audit. Because even myself, I, you know, yes, I'm a coach, but coaching people, they said, well, that mental health, that's yeah, I have to still go out my mental health as well. Yeah,   Michael Hingson ** 33:10 well, and there's nothing wrong with asking yourself, did I really do that? Right? What can I learn? How do I move forward? But even just the whole concept of, did I do it right? Did I do what I really should do? Asking yourself that helps so much to assist you in becoming more self aware, because if you ask that with an open, curious attitude, you're going to get the right answers, and then you can use it to move forward.   Robert Moment ** 33:45 You know, you're right about one of the things coaching. As a coach, you I always say to myself after every session, did I asked the right questions, was I curious enough? And did I go deeper? Because sometimes a client might give me a response, and I try to make sure I don't gloss over that response. And I want to say, you know, what? Can we go deeper? And then sometimes, you know, I ask for permission. Can we go deeper? Because Francis, our client, a couple weeks ago, he's had some leadership challenges. And I said, How does transparency, how does empathy and how does trust show up in your leadership style? And he said he gave me some examples. And I said, Well, can we go deeper? And he said, Well, I just gave you some examples. And he said, Well, why do you want to go deeper? I said, I'm here to help you, because with the examples he gave me wasn't it didn't have a lot of substance. And you know, after the session. You, he did say this, and you know, I don't need someone to pat me on the back. But he said, You know what? Now, I appreciate you as a coach, because he said, You know what, these three things. So I said, journal this week, how does those three things show up in your leadership style? And I want to see examples on next session, and that's what I want to be curious. But also want to go deeper,   Michael Hingson ** 35:22 do you record your sessions?   Robert Moment ** 35:24 Yes, I do. Yes, yes, and, and. So   Michael Hingson ** 35:27 the reason for asking that question is, then, do you go back and listen to them as a learning experience for you as well? Yes, I do. Okay, yes, which is, which is the which is the point, yeah, because you're your own best teacher, yes, but it sounds like that that person had some definite trust issues and probably needed to show a little bit more empathy and vulnerability than than they were showing.   Robert Moment ** 36:00 Yeah, you know, one of the things I did tell him, I said, you know, vulnerability, it's not a weakness. And and then, you know, one of the things when I said, when I have to dig deep, a lot of times when clients, it's not just about coaching them on how to become the best executive, but a lot of times it's about the story that the story that personalized, because a lot of times, for instance, here's an example about this. Is after COVID, this company called me and they said, Well, this executive we bought on board. He's a high performer on paper, but he is creating a toxic environment here. And I said, Well, you know, I was talking to the Chief Human Resource Officer. I said, I'm not understanding this. You said he interviewed. Well, he was a high performer. He has a great track record, but why is he calls it a toxic environment in your organization. And she said, Well, we gotta one or two things that's gonna happen. One, if he doesn't turn things around, we don't want to put him on any kind of corrective action, but we will have to, because two people have threatened to leave, and they've been here longer than him. So long story short, they said we're going to offer him coaching. If he doesn't accept coaching and doesn't turn things around, then yes, we're going to put him on corrective action and we'll terminate him. And he accepted coaching. And the one thing the second session that we had, and that's why I always said, Yeah, I have to go deep. And I said, they said, you know, when you are in meetings that you are not able to accept constructive criticism and and he says, that's that perception. So I said, well, but these are some examples that they gave me, and he said, and I said, Well, what kind and I don't know, Michael, something said to me, and sometimes, like I said, it's your intuition, yeah, instinct. I said, What kind of relationship did you have with your father? And this is what he blurted out. All of my life, he's been critical, criticized. I could never do anything right in his eyes. And I said, Can we go deeper? And I said, right now today, what kind of relationship do you have with your father? He said, I haven't spoken to my father in over seven years. And I said, would you what? Could you tell me why? So he told me why. And I said, Well, would you believe this statement that I'm about to make. And I said, you've had this all in your life, not just at this company. And he said, Yes, he has. And I said, not able to be able to take constructive criticism. And I said, here's things. I said, I can help you on two levels. I can help you on a professional level and I can help you on a personal level. So you said, Well, I told him how I could help him on this professional level. But I said the personal level, that's optional, because the company is paying for the professional the personal, I want to help you on a personal level. And I said, one of the things are you willing to take this major step that I'm about to ask you to take, and that's to forgive your father? Mm, hmm. And he said, first he he resisted. And I said, you're going to have this problem you're in. Entire life. And long story short, he forgave his father. I walked him through the process. I spoke to his father. Actually, we all and his father had never seen his granddaughter. And his granddaughter, I think, was four or five, and he saw for the first time that year, that Thanksgiving, and   Michael Hingson ** 40:22 I assume that the client ended up hopefully doing okay, and stayed with the company.   Robert Moment ** 40:30 He stayed with the company. He turned things around. Now this is what I'd say to not just the listeners, even myself. That's why, that's one of the reasons why coaching is my calling. It's not just the results the business results. I want them. I want every client to be the best version of themselves, not just in a professional but also that personalized. And you know that to me? You know that probably made my coaching year, not how many clients I coach, but just that made my coaching year for for a grandfather to see his grand. Now his his wife have seen her granddaughter, but his father had never seen only, only pictures.   Michael Hingson ** 41:25 Well, I'm glad that the the father and son made peace, and that that is so important. I think there is a whole lot of of connection between the professional parts and the personal parts. One of the reactions I had when you started the story was that, in reality, the professional part isn't going to really improve unless the personal part does.   Robert Moment ** 41:48 Yes, you're absolutely right. And I like i i tell my client, you're going to have this your entire life until you resolve it and forgive your father and you know, when I talked to the Father, Michael, his father was like that, so the cycle was never broken. Yeah,   Michael Hingson ** 42:11 it so often happens in so many different ways, doesn't   Robert Moment ** 42:14 it? Yeah? And, you know, and you're talking about a father, you know, life is short, and you're talking those many years without speaking to your father, not seeing him. And you know, you know the worst thing, it didn't happen. But if he would have lost his father, yeah, I was just   Michael Hingson ** 42:33 thinking that, yeah, if he would have lost his father, man, what a blessing. That didn't happen. Yeah, yes,   Robert Moment ** 42:38 absolutely. And then, not only that, your granddaughter would have never saw her grandfather, grandfather, right? Yeah.   Michael Hingson ** 42:47 Well, now let's, let's talk about you again a little bit. So you talked earlier. You told the story of what happened in corporate America, and you said that was kind of one of the things that started you to transition what, what finally was the the last straw, if you will, that led you to decide to leave corporate America, and how did you decide to go in and transition to just being a coach and, well, not just being but being a coach and starting your own business,   Robert Moment ** 43:15 we went, I can't think of, Wow, gosh, it was the year. It was a year where we was having, there was a lot of recession, was a recession and a lot of layoffs, and I had gotten tired of the politics, and I said, you know, I want something new, different, but I don't know what, but I want to become an entrepreneur. Because I was selling Christmas cards when I was like, in the fifth grade, you could get engraved personalized. I had a lawn a landscaping business sold T shirts. So I've always been an entrepreneur at heart, but I just didn't know what I needed to do to make that transition. So what happened was a lot of people colleagues were getting laid off, and they said, Well, can you help me find a job? I'm like, Well, I don't know if I can help you find a job. I don't have any connections like that, because the companies that I know they are laying off to Yeah. And they said, Well, you know, maybe you can help me interview. I'm like, okay, I can help you interview. Because I interview very well. I think because I got the copies I've worked for, I went through three or four interviews. So I started helping people get hired for jobs I wasn't charging. It was just, you know, pro bono. And I said, well, they said, you to get hired expert. And I said, not to get hired. They said, Yeah, because you I started getting referrals, and I wasn't. And I said, well, they said, Yeah. Know such and such. Said, you can help so and they said, you know, you're coaching us. I'm like coaching. Okay, I don't see myself as a coach. But then I realized I was coaching, I would mentor when I was in corporate America. So this is how, this is how I started to get paid, though, as a coach, a colleague referred this executive to me, and he said he had been with this company like for 15 years, and he said he doesn't know he really needs to help on job search interview, and he said he's going to give you a call. And I said, he said, Because I told him, You can help me, because you helped me get a job. So, long story short, he calls me up, and this is what he said. He said, I need your help, and I want to hire you as a coach. How much do you charge for years of coaching? I want you to help me find a job. Help me to interview. I need your help. And when he said, charge, I didn't know what this I said, Well, charge. I almost said, I've been doing this for free.   Robert Moment ** 46:27 Yes, Michael, and you're absolutely right, my friend. So I said, I threw out Michael. I threw out a number man for one year. I just, I don't know where that number came from. So I threw out the number, and this is what he said. He said, Well, how do how do I pay you? Do I pay you my check credit card? I didn't have no business account set up or anything, my personal checking accounts or money market. And I said, check. And he says, Well, how do you want me to mail you to check? And he's then he said this. He said, I am going to the bank because I'm getting my severance I gotta work things out. I'm getting my severance package, and I wire you the money. I said, Sure, you can borrow the money. So I gave him my account, long story short, and then when the money, I couldn't believe it. I said, you know, what did I charge? Did I overcharge it?   Michael Hingson ** 47:26 Yeah, you always ask that, or under charge, right, under   Robert Moment ** 47:29 charge. I said, because that was that. That was that transaction was too quick, too fast. And then I realized, after I did some research, I didn't overcharge and but then, you know what happened? When we came close to the first session, I said, Oh, my God, can I do this? Because this man has given me X number of dollars, and this is my first paying client, and that's when the inner voice came like, you know, this man may be asking you for a refund, so don't spend this money, you know, just put it aside in this account. And even I open a bit, and then I did open a business account, don't even touch this money. And you know what? Two months go back, and then, you know, I got past that point because I was telling my father. I said, Dad, I feel like the sessions are going great. And he got me, actually got hired, probably within four months, he had two offers. And then he said, I want you to coach me throughout for the year, of course. And I did not touch that money, Michael until I felt comfortable, maybe about six months. I moved it into, I think, I bought some stocks, and I said, you know, okay, but I, you know, I had some limiting beliefs that I had to get past. Yeah, I did.   Michael Hingson ** 49:06 Well, it was a new adventure. It was new all the way around for you. You had to discover that the Earth really is round and not flat, so it's fair.   Robert Moment ** 49:18 Yeah, you know, when you, you I tell even new coaches, when we all going to have, you know, limiting beliefs, and you have to, you have to fight through it. Yeah, you have to fight through it, because that, you know, like I said, my biggest fear was, don't spend the money, because he might ask for a refund. And, you know, I've had clients. No one has ever asked me for a refund. But that first client, I was kind of like, like I said not. I was confident in coaching him. But then I was that in a critic saying the. Spend that money because, you know what? Not that I needed to spend it. But then after that, I started to get more clients because referrals. And I said, You know what? Now is the time to make the leap. There you go. And I made the leap, yeah, and,   Michael Hingson ** 50:19 and and you've been doing it now. What about 20 years? Yeah, about 20 years. You know, I, I find it interesting. As a speaker, I was approached by someone who has an event coming up in June, and I quoted a number that I thought was high. But I also say I work with people in their budgets, which I'm I'm willing to do because the World Trade Center happened for me. And excuse me, in reality, while I do earn my living largely with it and speaking, I also want to be out there, inspiring and helping and educating so we negotiate. But I had this one customer, literally just this week, and they I quoted a number, and I figured it was high, and they came back and they said, Well, we really looked and that's a lot higher than we expected. We've actually had some comedians that we've been looking at possibly hiring, and they're quoting, like, maybe 20% of what you're quoting. And I said, I will work with you, but let me point out that I have the visibility, and you're hiring me for the inspiration that I bring in the expertise that I bring, as opposed to local comedians, and we'll see what happens, you know, and what's interesting is it's, it's a company that deals with the law. Lawyers don't negotiate a whole lot. Most of the time. They charge an hourly rate. You know, it's just interesting how people work at things.   Robert Moment ** 51:58 You know, one thing always feel as though my father said this. He said, communicate the value. If you communicate the value and they can see it, price does not become an issue. Yeah. And he said, you know, communicate the value up front as much as you can, and then price doesn't become an issue is when you don't, they don't see the value, then all of a sudden, you know, I gotta think about it. Let me talk to you know is this, but when they can see the value, and then, you know what? My coach told me this. One of my first coaches told me this. He said, you know, a lot of coaches want to charge just, just to get a client, they want to charge low fees. And he said, those will be your worst clients.   Michael Hingson ** 52:48 Yeah, absolutely, always will be your worst.   Robert Moment ** 52:52 He said they will probably. He said they will be, I've wanted you don't do it. They're   Michael Hingson ** 52:58 going to suck up your energy. They're going to do so much, many things, and they don't pay you for it, which is one of the reasons I'm resisting. We'll see what happens with this one. It isn't settled yet, and it'll work out. Yes, I have had other customers that I know didn't have big budgets. They're nonprofits and things like that. But again, we come to an agreement, both in terms of time and what's expected, as well as the money, and that's okay, but, but yeah, it is, you know, because not everybody is going to be able to pay what some bigger corporations will pay. That's okay, yeah, yeah. But the other thing that I actually always ask in my speaker contract is, if you like the speech, I want a letter of recommendation, and I want you to refer me to at least two other people. And   Robert Moment ** 53:59 that works, yeah. I love that. I love that strategy. It works pretty   Michael Hingson ** 54:03 well. Well, tell me, what are some practical techniques do you use to boost your self esteem and self belief, especially in difficult times? How do you psych yourself up in a good way? Well,   Robert Moment ** 54:19 one of the things self talk. It's, you know, to me, self talk is, you know, you can do this. I believe in you, you know, I look at and also, not only that, I look at my whether it's a big win or small wins. I look back over my life too. And I said, you know, 10 years, five years, even two days, you was able to do this and and then I surround myself with very supportive people. Mm, hmm, that's, that's key, because I believe, you know, they believe, not only do they believe in me, but self. Belief in self is contagious.   Michael Hingson ** 55:01 Yes, it absolutely is. Yeah, it's contagious   Robert Moment ** 55:03 and and how I challenge, like I said that inner critic is, I love how you reframe things. Is self talk, positive self talk, and focus on your accomplishment and celebrate small wins. It don't have to be big wins. It'll be small wins. But celebrate and then remember this too. I tell whether it's clients, colleagues, self belief, it's a journey. It's not a destination. It's like you. Every year you're building, like building muscles, your self belief muscles, whether it's five years, six years, but every year, you're building through life, lessons, failures, setbacks, but you're still building that muscle. Yep,   Michael Hingson ** 55:50 and when you understand that, that also will help give you the insight to continue to do it.   Robert Moment ** 55:56 Yes, because you know when you learn from setbacks, even obstacles or opportunities for growth. And you know, when you have a growth mindset, you realize through self awareness, you give a chance to learn and continue to grow. And then you know one of the things to you know, your dreams deserve a chance. It doesn't matter how big or small, but all of our dreams deserve a chance, and we all have unique talents, and just, you know, focus on your strengths and let them shine. Yeah,   Michael Hingson ** 56:39 what would you tell listeners who believe their self belief is at all time low. Where do they start?   Robert Moment ** 56:46 Well, first of all, you want to take inventory of the skills that you currently have and be grateful for what you have, because we all have unique talents, skills, abilities and gifts. And a lot of times I think what happens people underestimate what they already have, and start to take inventory of, like I said, the skills, the talents that you have, and embrace your own uniqueness and also your own imperfections. Yeah,   Michael Hingson ** 57:19 because if you don't recognize them, then you're never going to be able to deal with them. If you do recognize them, then you can deal with them   Robert Moment ** 57:26 absolutely and like I said, once again, give yourself credit for your small victories. You don't have to be big victories, but give yourself credit, because, see, when you give yourself credit for your small victories. Michael, that continues to build momentum.   Michael Hingson ** 57:43 Yep. Can you give me an example of someone who you believe has unwavering self belief and what we can learn from them? Yes,   Robert Moment ** 57:52 I do. I want to share this story. My name is Barbara Corcoran. She's the real estate for the Shark Tank. Yes, you know her boyfriend and business partner. She was in real estate. He left her for her secretary, right? And but you know what that split, what it did for her, I know it was devastating, but it was a catalyst for her success, because what it did, it fueled her determination to form her own company, which was a corporate group. And I think, if I'm not mistaken, she sold it for about $66 million so that, to me, resilience in her situation was key. She embraced a new beginning, and she looked at failure as a stepping stone, which   Michael Hingson ** 58:46 makes a lot of sense. I believe that we should get rid of the word failure from our vocabulary anyway. Failures are not failures. They are simply things that didn't work out as they should. And what are you going to do about it, right? It's we gotta get the negativity out of so much of it. Yeah, you   Robert Moment ** 59:05 know we do. We do because, you know also what I and her. She believed in herself fiercely, man, because she feel as though, you know, she had something to prove. I get that. And guess what she did.   Michael Hingson ** 59:22 You have a new book coming out entitled believe in yourself. You got this. Tell me about that.   Robert Moment ** 59:27 This is about I want the reader to really take inventory in themselves. This book is a coaching book. It's going to be real. It's real simple, but it's going to have questions where they take inventory and really focus on believing in themselves, and not only just believing But accepting themselves. You know you can believe in yourself, but I want them to really accept who they are and and know that worth, know that value. You and know that they have something to bring and add to this world.   Michael Hingson ** 1:00:04 Well, if you could leave our listeners with one final thought about self beliefs, what would that be?   Robert Moment ** 1:00:10 Own Your Power. Own Your Power, and don't let any one hold you back and take control. Take control of your destiny. And then also remember that self belief is a journey and not a destination.   Michael Hingson ** 1:00:27 I love that. If people would like to reach out to you and maybe talk to you about hiring you as their coach, or just learning more about you and your books and all that, because you've written several books actually, how do they do that?   Robert Moment ** 1:00:39 They can reach me at Robert at leadership coaching and development.com or they can connect with me on LinkedIn.   Michael Hingson ** 1:00:48 And what's the LinkedIn? Do you know your LinkedIn? Uh, yes, it'll be Robert moment leadership coach, okay, and what was the website? Again, website   Robert Moment ** 1:00:57 is leadership coaching and development.com.   Michael Hingson ** 1:01:01 Leadership, coaching and development.com. Great. Well, I hope people will reach out. This has been insightful in a lot of ways, I will say, validating for some of my beliefs, but also very educational. And I said at the beginning, I always love speaking to people who coach, I learn a lot, and I've always believed that that I'm not doing my job unless I'm learning at least as much as anybody else who listens to the podcast. So I really appreciate your time today. So Robert moment, thank you, and I want to thank all of you for listening. I hope that you have found this helpful if you want to really become a better leader. Robert has lots of ways clearly that he probably can help you, and it's worth exploring with him. So I hope you'll reach out. I'd love to hear from you. Please give me an email. You can reach me at speaker at Michael hingson.com Michael hingson is m, I, C, H, A, E, L, H, I N, G, s, O, N, just like it sounds actually speaker at Michael hingson.com love it. If you'd go to our podcast page, if you would, www, dot Michael hingson.com/podcast can listen to all of our episodes there, but wherever you're listening or watching, I would really value it greatly. If you would give us a five star rating and review us. We really appreciate people who do that. So any of that that you can do, I would really appreciate it. And as I've said many times on these podcasts, if you need to find a speaker to come and inspire and motivate. I'd love to talk with you about that. Email me at speaker@michaelhingson.com love to talk with you about that. And Robert, for you and everyone listening and watching. If you know of anyone who you think ought to be a guest on unstoppable mindset, please let us know. We'd love to meet people who want to be guests. So Robert, thank you again. I really appreciate you being here. This has been a lot of fun and definitely continued great success. Michael,   Robert Moment ** 1:03:08 thank you. I'm truly grateful and continued success to you as well.   Michael Hingson ** 1:03:18 You have been listening to the Unstoppable Mindset podcast. Thanks for dropping by. I hope that you'll join us again next week, and in future weeks for upcoming episodes. To subscribe to our podcast and to learn about upcoming episodes, please visit www dot Michael hingson.com slash podcast. Michael Hingson is spelled m i c h a e l h i n g s o n. While you're on the site., please use the form there to recommend people who we ought to interview in upcoming editions of the show. And also, we ask you and urge you to invite your friends to join us in the future. If you know of any one or any organization needing a speaker for an event, please email me at speaker at Michael hingson.com. I appreciate it very much. To learn more about the concept of blinded by fear, please visit www dot Michael hingson.com forward slash blinded by fear and while you're there, feel free to pick up a copy of my free eBook entitled blinded by fear. The unstoppable mindset podcast is provided by access cast an initiative of accessiBe and is sponsored by accessiBe. Please visit www.accessibe.com . AccessiBe is spelled a c c e s s i b e. There you can learn all about how you can make your website inclusive for all persons with disabilities and how you can help make the internet fully inclusive by 2025. Thanks again for Listening. Please come back and visit us again next week.

Welcome to the Power and Purpose Podcast! About Francis Piche Francis is a Mindset Alchemist, Executive Coach, Corporate Trusted Advisor, SOMA Breathwork Instructor and Founder & CEO of Resilience Element.  He is an International Keynote Speaker and Best-Selling Author, and Certified Proctor Gallagher Institute Consultant of the Thinking Into Results program. Francis has worked for large corporations including Arrow Electronics, Xerox, and Century 21. He understands the benefits and challenges inherent in corporate and Real Estate structures and cultures.  He is a World Class Expert on Resilience and Mindset training for increasing sales, developing leaders and managing turbulence and disruption to get you future ready. In short, Francis creates minds that matter…literally.  Social Media Links LinkedIn: https://www.linkedin.com/in/francispiche/ Facebook: https://www.facebook.com/theresilienceelement IG: https://www.instagram.com/pichefrancis/ YouTube: www.youtube.com/@resilienceelement Connect with Vanessa Soul: Strategically Expand into your Life Purpose and Highest Career Opportunities ⁠⁠FREE 15 min Career & Life Purpose Astrology & Human Design Guidance⁠⁠: https://calendly.com/sacredsoulhealingco/15-min-free-life-purpose-career-reading-clone-1 Power & Purpose Podcast Website⁠⁠: https://bit.ly/3VbwdH8 Astro Aligned Business Bootcamp⁠⁠: https://bit.ly/4eTecV3 The Purpose Report Program: https://sacredsoulenergetics.com/ ⁠⁠Healing & Expansion Programs: https://bit.ly/493CDO5 Social Links: IG: ⁠⁠https://www.instagram.com/sacred__soul____/⁠⁠ Facebook link ⁠⁠https://www.facebook.com/vanessa.spiva.9/ ⁠⁠Threads ⁠⁠https://www.threads.net/@sacred__soul____⁠⁠ SUPPORT THIS PODCAST - Donate here ⁠⁠https://www.venmo.com/u/sacredsoulenergetics⁠

Happy New Year! I'm incredibly excited for you to hear this latest episode with Andy Tanner. Andy is known for his unique insights into investments and financial education. In this episode, we explored many valuable topics, from the origins of the 401k to the importance of financial education for families and the role of asset ownership in today's technological world. Andy also shared his personal journey, including his and his wife's survivorship over cancer, which has deeply influenced his approach to life and teaching.Introduction to Andy Tanner and His WorkAndy Tanner, a well-respected author and financial educator, recently updated his book "Form of Chaos." He is also known for his association with the Rich Dad, Poor Dad team, having spent 14 years traveling and learning with them. Andy's insights are shaped by his extensive experience in financial markets and education.The History and Evolution of the 401kThe 401k began not as a planned retirement strategy but as a loophole for wealthy executives to defer income. Richard Stanger wrote the original 800-word section, spurred by lobbying from companies like Kodak and Xerox through Congressman Barbara Conable. Initially, the financial impact of 401ks seemed minimal, but today, they account for $11 trillion. Andy highlighted that Congressman Conable was unaware of the significance of the 401k when it was enacted. Consultant Ted Benna later capitalized on the 401k for employee bonuses, which led to employer matching and the shift from pensions to 401k plans.Critique of 401ks and Wall StreetAndy criticized 401ks as favoring Wall Street due to the compounding costs that benefit the financial industry more than the participants. He urged listeners to examine the real value of their 401k plans and warned of hidden drawbacks. Financial education and understanding are crucial to make informed decisions rather than relying blindly on such systems.Personal Background and Family LifeAndy shared his personal journey, including a significant experience when his wife was diagnosed with breast cancer three years ago. Thankfully, they are doing well now, and this period kept Andy at home more, focusing on teaching from his home studio and spending time with his family. Both he and his wife are cancer survivors, influencing their decision to start a family later in life.Financial Education for KidsAndy believes in integrating financial education into family life. His children have benefited significantly from being homeschooled, especially during COVID. This homeschooling emphasized vital financial skills from a young age. Andy uses practical experiences and games like the "Cashflow" game to teach his kids about financial concepts.Investment PhilosophyAndy advocates for business owners to leverage their profits by investing in assets to expand ownership. Owning assets is crucial in a world increasingly dominated by technology and AI. Andy recommends benefiting from AI advancements by owning stocks in various sectors beyond just tech. He values operational cash flow over mere price speculation, aligning with Warren Buffett's investment principles. True compounding requires reinvesting profits, similar to business and real estate ventures. Andy views stocks as ownership in a business, stressing the importance of sustainable growth.Real-World Exposure and Financial Activities with FamilyAndy involves his children in financial activities from a young age. He shared how real-world exposure, like bringing his kids to real estate dealings and letting them invest small amounts in family ventures, helps them understand ownership. Andy talked about the concept of "sponsorship equity," stressing the role of financial education and involvement in tangible activities like stock trading and buying tangible assets like silver.The Role of AI in InvestingJoe mentioned...

Visit thedigitalslicepodcast.com for complete show notes of every podcast episode. Join Brad Friedman and Jon MacDonald as they discuss optimizing your website using psychological principles focused on getting website visitors to convert. Jon MacDonald is the founder of The Good, a digital experience optimization firm that has achieved results for some of the largest online brands, including Adobe, Nike, Xerox, The Economist, and more. As the author of three books on optimization, Jon regularly contributes insights to publications such as Entrepreneur and Inc. The Digital Slice Podcast is brought to you by Magai, up your AI game at https://friedmansocialmedia.com/magai

“For example, like, even commercials, there's that one commercial for the Indian casinos. And my wife loves the song, and she knows it's actually a singer that's produced it. And she always thinks about that casino, you know, she doesn't gamble, but every time she hears that song, it goes back to that feeling like, oh yeah, it's about the good time. It's about, you know, gambling, right? So now we're moving to association. So, the sound has a lot of association to, um, that, to that ‘expectation' or the actual experience itself.” – Howard Lim This episode's guest is an award-winning business and brand architect who designs businesses from the inside out. He's a disruptive innovator who shifts paradigms, and his boutique, full-service firm, How Creative, partners with business owners worldwide to develop and execute world-class, leading businesses and authentic brands. He's been a highly sought-after speaker, author, and organization advisor for over thirty-five years, and he's represented everyone from emerging entrepreneurs to established Fortune 100 companies, including Apple, Disney, Paramount, Xerox, Oracle, Cirque du Soleil, Mattel, AT&T, and HP. His contributions have added billions to clients' profits while increasing both brand value and company equity.His name is Howard Lim, and in this discussion, we'll be getting his perspective on how the large companies he's worked with are using sound for better brand recognition and to make deeper connections with their potential clients. We'll also find out where he thinks companies could take this into the future. Things are changing fast these days, so keep listening so you can learn what you can do to keep ahead of the game.As always, if you have questions for my guest, you're welcome to reach out through the links in the show notes. If you have questions for me, visit audiobrandingpodcast.com where you'll find a lot of ways to get in touch. Plus, subscribing to the newsletter will let you know when the new podcasts are available and what the newest audio chats will be about. If you're getting some value from listening, the best ways to show your support are to share this podcast with a friend and leave an honest review. Both those things really help – and I'd love to feature your review on future podcasts. (0:00:01) - Influencing Branding Through Sonic SoundThe first half of our conversation starts as Howard shares what a childhood crush and a memorable Bob Dylan song taught him about the power of sound. “Every time I heard that song it put me back in that space and that time and that exact location,” he says. “So music has definitely influenced my experiences and my memories.” Our discussion turns to his recent work with retailers in creating the right soundscape, and he tells us more about the subtle, almost subliminal, impressions that sound can make on shoppers. “A lot of people confuse marketing, for example, with branding, and marketing is much more tactical,” Howard explains. “It happens on a subconscious level. They might not think that they're ready for it, but believe me, it's happening to them. They're just unaware of it.”(0:15:24) - Challenges With Dialogue in Surround SoundWe talk about the recent trend toward over-mixing audio in cinema, and Howard points out the trouble with relying too much on Foley effects and post-production. “They didn't figure to, like, edit a certain part of the dialogue,” he notes, “so some of it gets static and it's like, why is it staticky? Obviously, someone didn't work on that part of the dialogue, that segment of the dialogue, and you can really hear the difference.” He does share one experience with sound...

Plus, China's EV sector is set to grow in 2025, according to an analyst at CCB International. And tech stocks MicroStrategy and Palantir join the Nasdaq-100. Cordilia James hosts. TNB Tech Minute will release its next episode on Monday, December 30. Learn more about your ad choices. Visit megaphone.fm/adchoices

Eli Lilly shares rise after the drugmaker said on Friday that the FDA approved its weight-loss drug Zepbound for moderate-to-severe obstructive sleep apnea in adults with obesity. Xerox shares finish higher after the company struck a $1.5 billion deal to buy printer maker Lexmark. J.R. Whalen reports. Programming note: Minute Briefing will release its next episode midday Tuesday. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, my guest is Dr. Bernardo Huberman, Ph.D., a research physicist, expert on quantum networks, and vice president of CableLabs' Next-Gen Systems. We discuss his journey into science, beginning in South America, how a curiosity about physics led him to the United States, and how his hunger for studying novel problems guided him into fields like physics, computer science, biology, economics, and, most recently, quantum computing. He explains relativity theory, chaos theory, fractals, and quantum internet in terms anyone can understand. We explore how curiosity has continually guided his decisions about what to study and how to live, and how researching hard, even abstract, problems can serve as a model for staying grounded and enjoying everyday life. We also discuss meditation, spirituality, and why continually asking questions about how the world is organized can bring about an immense and lasting sense of meaning and joy. Read the full show notes at hubermanlab.com. Pre-order Andrew's new book, Protocols at protocolsbook.com. Thank you to our sponsors AG1: https://drinkag1.com/huberman Helix Sleep: https://helixsleep.com/huberman BetterHelp: https://betterhelp.com/huberman LMNT: https://drinklmnt.com/huberman ExpressVPN: https://expressvpn.com/huberman Mateína: https://drinkmateina.com/huberman More Huberman Lab Huberman Lab Premium: https://go.hubermanlab.com/premium Huberman Lab Shop: https://go.hubermanlab.com/merch Timestamps 00:00:00 Dr. Bernardo Huberman 00:02:13 Sponsors: Helix Sleep & BetterHelp 00:05:08 Early School, Science Interest, Argentina; Soccer 00:12:29 Physics, Childhood Teacher, Family 00:20:48 Music; Dictatorship; Humanistic Education 00:29:09 Sponsor: AG1 00:30:40 US Graduate School 00:39:27 Counterculture, Peer Pressure; Graduation, Job Search 00:49:19 Xerox, Personal Computers; Risk-Takers, Tachyon 00:54:49 Sponsors: LMNT & ExpressVPN 00:57:33 Relativity Theory, Quantum Mechanics 01:05:53 Chaos Theory, Fractals, Butterfly Effect 01:17:21 Scientists, Positive Contributions & Flaws 01:26:19 Sponsor: Mateína 01:27:45 Enjoyment of Life, Meditation; Goal Pursuit 01:35:44 Changing Fields, Computers 01:43:24 Mentors, Students; Restlessness, Curiosity 01:47:41 Industry, Academia, Graduate Degrees 01:54:02 Podcast, Interviewing; Mistakes, Working with Others 02:05:48 Quantum Internet, Unbreakable Code 02:09:48 Physics & Neuroscience; AI 02:15:06 Analog vs. Digital Life, Thinking about Future 02:20:10 Worry, Meditation 02:24:22 Beliefs, God; Spiritual Experiences, Randomness 02:33:53 Thinking about Past; Nostalgia 02:39:19 Politically Incorrect; Libertarians; Cryogenics; Enjoying Life 02:46:30 Joyful; Pushing to Limits; Worry & Enjoyment, Living with Elegance 02:55:57 Etiquette, Clothing 03:04:11 Retirement, Money, Travel 03:12:00 Future Plans; Joyful Life 03:13:33 Zero-Cost Support, YouTube, Spotify & Apple Follow & Reviews, Sponsors, YouTube Feedback, Protocols Book, Social Media, Neural Network Newsletter Disclaimer & Disclosures

Can we make doing some adaptation of A Christmas Carol a yearly tradition? Maybe, ‘cause this is now two years in a row! Paul and Erika are talking about 1988's Scrooged and are taking the chance to helpfully explain VCRs, Xerox pranks, and Tab to the youth. Teach the children!You can follow That Aged Well on Bluesky (@ThatAgedWell.bsky.social), Instagram (@ThatAgedWell), and Threads (@ThatAgedWell)!SUPPORT US ON PATREON FOR BONUS CONTENT!THAT AGED WELL MERCH!Wanna rate and review? HERE YOU GO!Hosts: Paul Caiola & Erika VillalbaProducer & Editor: Paul Caiola

In this podcast episode, Dr. Jonathan H. Westover talks with Ted Bradshaw about his book, Stop Chasing Squirrels: Six Essentials to Find Your Purpose, Focus, and Flow. Ted Bradshaw (https://www.linkedin.com/in/tedbradshaw/) served as an executive with Xerox and IBM, then left the Fortune 500 world to explore the thrills of entrepreneurship. What he found was a long string of success that looked great on the surface. But underneath it all, he felt anxious, exhausted, and stressed, chasing money wherever it led and wondering why he never felt fulfilled. Along his journey, Ted gained valuable insight into how a person can achieve fulfilment in all aspects of life and he shares those insights with his best-selling book, Stop Chasing Squirrels. Today, Ted lives his passion in helping others find theirs. A leading proponent of the Entrepreneurial Operating System®, Ted is a speaker, author, an Expert EOS Implementer™, and the Community Leader for EOS Worldwide. Learn more at TedBradshaw.com.  Check out all of the podcasts in the HCI Podcast Network!

Join us as we welcome Bernadette McClelland, ranked one of the Top 35 Women in Sales Globally by Sales Hacker, Tony Robbins collaborator and author of six books on sales and leadership including most recently 'SHIFT and DISRUPT: Stop Selling Widgets. Start Selling Wisdom'.Episode Overview:Bernadette McClelland's journey is one of resilience, courage, and reinvention. From a successful corporate career with Xerox to a life-altering personal and financial setback, Bernadette's story is both inspiring and instructive. In this episode, she shares how she turned adversity into an opportunity for growth, becoming an accomplished speaker, author, and coach. We dive into her experiences, including the turning point that led her to embrace “deliberate disruption” as a philosophy, and her mission to guide others through challenges.Key Discussion Points:1. The courage it took to leave a secure corporate career at Xerox and step into the world of entrepreneurship.2. How a devastating injury led to financial loss and a complete restart, and what it took to bounce back.3. Embracing the concept of "deliberate disruption" as a guiding principle for overcoming life's biggest challenges.4. The lessons learned from trusting the wrong people and finding clarity through difficult times.5. Insights from working with Tony Robbins and other prominent figures on building resilience.6. The transformative experience of mentoring incarcerated individuals as they prepare for re-entry.7. The power of reinvention and staying aligned with your core values through tough times.8. Bernadette's latest focus on leadership through her upcoming book, The Rise of The Disruptive Leader.9. Advice on how to find purpose, even when it feels like everything is falling apart.10. A lighter look into Bernadette's love for adventure and the unique travel experiences that have shaped her outlook.Quotable Moments:- “Bouncing back is not enough; sometimes you need to deliberately disrupt to find a new path forward.”- “Courage isn't the absence of fear; it's the willingness to move forward despite it.”- “The most powerful transformations happen when we embrace the discomfort of change.”Connect with Bernadette:- Website: [bernadettemcclelland.com](https://bernadettemcclelland.com)- LinkedIn: [Bernadette McClelland](https://www.linkedin.com/in/bernadettemcclelland)Listener Engagement:We're eager to hear your thoughts on Bernadette's philosophy of “deliberate disruption” and how it resonates with your own journey. Share your takeaways and stories of courage in the comments!Disclaimer:The views expressed by guests are their own and do not necessarily reflect the views of the Braving Business Podcast or its hosts.Remember to subscribe, rate, and review us wherever you get your podcasts. Stay brave!