35 Burst results for "Affi"

Moving from Amazon to Shopify

Amazing FBA

05:08 min | 1 d ago

Moving from Amazon to Shopify

"Michael, how are you man? I'm well, thank you. Yes sipping hovel of. Lemon and honey and ginger tea. But I pretty good. Yeah. Yeah. Keeping his bank. Very. Well, very. Good. Well, let's jump in today. We've got a hot topic, I think, and that's the topic of. Moving from Amazon to shop affi-. Or from really you know Amazon to any other sales channel but we're GONNA sort out how shop by dozen doesn't help. ECOMMERCE sellers the pros and cons some of the detail. So you ready to jump into this absolutely hot topic definitely. All right let's do well. So I guess the first question that comes to my mind is you know you work with a lot of mazing Amazon sellers in your skincare collective and programs work there in London. What have you heard from them in terms of their fears frustrations concerns by way of migrating or adding you know a different channel away from The stations can sense I mean he took into Amazon Selah. How long have you got about I mean but Most of them concern Amazon rather than. The fear of moving across course. It's. have. So much fair as a resistance on because I was just so much for you and when we bitching Amazon I, guess he's good to remember that the of qualified traffic with buying intense. Of people who have their credit card on file is amazing and the conversion rates she got on Amazon I mean I was looking at somebody the day in the United Nine Percent Convention right and I'm like, wow, that's great. We could be a fifteen, twenty, twenty, five percent. That's kind of eighty I in the context anywhere else on online, right? For. Those understandable reasons in people on in a hurry to get and they like to bitch about it and I guess every. So often the FE Simone Amazon and that's when they consider maybe making the move uninformed to be fair to the tank Muslims have very active people who do a hell of a lot of stuff and a lot of them have got their own websites. Some of them look beautiful designs when the functions he's pretty good. But does only a couple of people I think actually have any serious percentage of their sales going through their own I'm known Amazon sites. So. I guess that tells you a story. Nor. Does what do you think the The kind of the. Underlying real issue is there is there time? Is it there education about the other side's is at their capacity of their team? Our finances? I mean well, what do you think is that actual barrier to success? Is just good question I I organization of the of the work or it could be this very good question not something. I should probably ask people. It sounds like I'm about to pitch them into a shop if I but I. It is probably an important discussion points allies because I do think. On. The one hand, there is a growing awareness and interest amongst more more members of the Maas bonds. In being able to grow you an audience and specifically contacts, you are not as it tends to be sort of add ons. There's not so much the sales channel thing as a traffic strategy things so that or even being able to control things like reviews are a lot of people building a facebook chats audience in order to then get more reviews on Amazon but the sales China's by much. and. It's not so much a traffic channel as sort of a channel of contacts as the traffic for shopping is still very much about Amazon. Channel Four getting reviews. Is. Stuff like e mail I'm likely chapel design make some kind of say assured like the direct to consumer communication stuff they want to be in touch with them personally for email marketing, those kinds of interactions. Sure. Exactly. But on what the resistance is I guess the here's the thing that the growth sucks cash and also as a capital intensive growth model, a business model and I'm great at selling lots of stuff, which means that people constant need to apply that capital two thoughts channel neff while having a capsule spa and especially to drive traffic, which is my perception of the problem with your in websites Isn't that, and then of course, if you're looking in the short-term medium-term cashflow than if you put money into Amazon odds, I'm not tends to convert better than your own site would it's kind of becomes very hard to justify taking the money away from something that is going to produce an immediate cash flow to something as in. This is my conjecture. Sure. It's true or not but I something already she got an Oscar combined with because it's an excellent question. Okay. Yeah. No I mean that's very interesting. What one just response to what you just mentioned on the ads side of course, the mental shift there is. On Amazon if you're doing ams work, you're really spending money to make sales. On CHIAPPA FI. If you do it right I mean through other advertising platforms he really spending money to acquire a customer.

Amazon Simone Amazon Michael Oscar Facebook London China
July Mailbag with Jason Moser

Motley Fool Answers

44:21 min | Last week

July Mailbag with Jason Moser

"The. Multiple answers I'm out Southwick and I'm joined, is always by broke camp. Personal Finance expert here at the Motley Fool. Hey, BRO, well! Hello Alison. It's the July mailbag where we answer your questions and this month it's with the help of multiple analyst Jason Moser. Should you buy a house now? What is modern portfolio theory and also here Jason's thoughts on a lot of stocks all that and more on this week's episode of Molly fully answers. Jason thanks coming back. you know I mean i. told you you invite me. I'M GONNA. Be here every single time. Thanks for having me back. I mean we appreciate it because we know you're a busy man, and so we do appreciate that you carve out time for us in our little show, don't. Always always make time for those important people in my life rule number one make time for allison and Bro I love. It sounds like a good one to me. Everybody wins. All right well, I guess we should just get into it, so the first question comes from Darren I've subscribed to the full for over a year and I'm really pleased with the service. I would like to know your thoughts about my holdings in Shop Affi- I've bought several times over the last three years, and it's now over thirty five percent of my portfolio and I. Don't know if I should continue holding or trimmed down. What would you advise a good problem to have I was gonna say that exact same thing? That's a good problem have? In a very glad, you have subscribed to our services in your really pleased. That's that's what we aim to to do. We aim to please help you make money and so yeah. This is one of those situations that we will find ourselves in from time to time as investors. A nice problem to have but something you do need to address at some point because it is going to be a little bit different for everybody. In so coming from the perspective of I, also own shop, a Fi stock in it's it's a wonderful investment. It certainly is taking up a bigger. Part of my portfolio a not at thirty five percent where you are. I think for me. It really does boil down to. That sleeping at night test in other words, you need to be able to go to sleep at night without worrying about this kind of stuff, and if you feel like shop, a Fi represents too much. Of your portfolio if you feel like you're overly allocated their, then, you may need to consider pulling it back a little, but now I mean it's. It's I think it's always important. Note you know. It's a big difference between building up a position buying a position to make this size to make this type of allocation in your portfolio. It's another thing entirely to have position grow into beat into becoming that size i. mean that that is that is in a little bit of a different dynamic there, so people all the different ways, some sometimes folks will, they will just sort of looking at it from the house money, concept or you. You just sell enough shares to recoup your initial investment, and then you let the rest of it go. Some people are perfectly fine with thirty five percent. Some people are not. They want a pair back so i. do think you need to kind of figure out what helps you sleep at night I do think that shop by a great business. I think the biggest risk in only shop, if I right now is valuation, just because it's dominating, it's space, but it's not making any money yet, and it's probably going to be a little while until they do so that valuation risk is there, but ultimately yeah I think determine. Where you feel most comfortable with it, and if you feel like you need to put a little bit of that money off the table, and he thirty five percents a lot, certainly very understandable. If they've said something you need to do if you do decide to pair it back a little bit. You've made multiple purchases, so you can identify the shares to sell to manage the tax consequence if this isn't a brokerage account and not an IRA. All right next question comes from Steven. If you are forced into unemployment, you are paying federal income taxes on unemployment payments are not contributing to social security nor to Medicare. How does this affect your future calculation of social security benefits and can one contribute to the social security fund during unemployment to mitigate any adverse effects on benefits, it is a little bit adding insult to injury, but you do owe federal income taxes on your unemployment benefits, and if your state charges has a state income tax, you probably have to pay state tax on that, although there are a handful of states that exempt unemployment benefits, so that's good news. And by the way you, you could have taxes withheld from your unemployment benefits you file. This form called form w four V. if you want, they withhold ten percent, or you can do quarterly estimated payments if you wanNA avoid that big tax bill at the end of the year, but if you're strapped for cash is probably just better to get the money now worried about your taxes later Eh. Stephen notes out. You do not pay payroll taxes. Those are the things that go into social security and Medicare so. So. It could result in a lower social security benefit, however, keep in mind that social security is based on your thirty five highest earning years, so if you enter the workforce at say twenty two and you work until you're mid to late sixties. That's more than forty years where the working so hopefully. If you miss out, if this year is not so good somewhere among those other forty, five or so years, you've had thirty five really good year so that this year won't be that big of a deal. So it probably will be okay. And then to address the last question. Unfortunately, no, you cannot make voluntary contributions to social security. There is at least one academic working paper out there. That suggested that people could buy into social security by like extra credits as opposed to contributing to your 401k, but so far that has not been passed by Congress I had an ex. Question comes from Sam. I heard to stocks discussed on another full podcast. When I read articles about them, it mentions they are thinly traded. I have two questions one I'm sure my position would still be quite small so I think I'd still be able to get in and out, but are there other things I should think about when it's a thinly traded stock and question number two. Is there a certain amount of? Daily volume you like to look for when considering a stock foreign investment. What volume do you want to see to not be? Quote thinly traded stock. Yes very good question in thinly traded stock just refers to the either the amount of shares or the dollar volume of shares that would trade on any given. Market Day and so. The. Thinly traded stock. The the problem is that you may not necessarily able to buy and or sell at the prices. You necessarily think you might be able to in other words when you look at a stock's price and you're looking through the. What what's going on throughout the day on the market, you'll see that did ask spread, which is essentially the bid. Ask spread is it's what someone's willing to pay for the stock versus what someone is asking to be paid for the stock? Because you know you have a buyer and a seller on on in every transaction they're. Normally most cases, these business business bread is very tiny, the couple of pennies maybe for most stocks because they're. They're heavily traded right there. There are plenty of dollar volume. But there are a lot of smaller companies small caps in particular in in you know a micro cap, specifically that don't necessarily meet these kinds of thresholds, and so you definitely have to be aware of that now I'll go back in time just a little bit, too. When we were running the service here at the fool called million dollar portfolios Roman Romani portfolio that we help manage members, and it was never really a problem, but we did have a condition in there. We were always looking for at least ten million dollars in average. Trading volume total daily volume now understand I'm not saying the number of shares saying the amount of money so basically shares times price, but we're always looking for at least ten million dollars. That wasn't set in stone it. It was an idea for us. It wasn't ever really a problem because we had a very diversified portfolio with a number of different types of companies, but when you're looking for smaller companies, you would've just keep that in mind that did ask. Spread is is something that just because it says the stock is twenty dollars. That doesn't necessarily mean you'll pay twenty dollars if there is a a big spread there between the bid, and the ask in so I think whenever you're considering stocks that have any lighter trading volume or thinly traded stock. Just be sure to use limit orders. Limit Orders of let us stipulate the price that you are willing to pay for or that you're willing to. To accept a if you're selling a limit, order is just a really good way to protect yourself from any unwanted surprise thinly traded stocks. You might not always necessarily get them when you want them, so you might have to lead that limited are in there for a little while, but but a limit order is a great way to protect you from any unwanted surprises. Next question comes from Randall. I'm in my late thirties now, but earlier in my life. I was very very bad with my money. Collection Calls Welfare and bankruptcy or not strangers to me. I've been at the bottom then I met the love of my life, and she convinced me to turn things around ten, and a half years later and I have done a complete one eighty, I took control of our finances rebuilt my credit and started investing and listening to all you find folks all. I opened it investing account with the goal of saving and building enough a down payment on a home. I'm happy to say we've now reached that goal. I recently sold at a profit because I didn't want that. Money tied up in the market. If we are close to needing it for a house, but now that we're here, I'm not sure what to do. We currently rent a basement apartment and our neighbors general living situation are less than ideal to put it mildly. So, we're champing at the bit to jump into the housing market that being said the experts have been calling for a drop in the housing market for a while, and that was before the pandemic hit now I'm worried that if we buy right away a year or two or three from now, interest rates will spike, and we could be put in a difficult situation. I live near Toronto. Canada or the housing market is already highly inflated in relation to the rest of the country should I be worried? While Randall first of all congrats on turning your financial life around love hearing success stories like that so good job on that. So I'll start with my standard answer with the rent versus buy decision, and that is just pull up spreadsheet and compare the all in cost of renting, including what you could earn on the money that use for down payment versus the all in cost of buying including the opportunity cost of putting down payment as opposed to having invested as well as insurance and taxes and maintenance, and all that stuff and project, where you might be in five to ten years based on various scenarios on what happens to stocks, if you. Rent an invest the down payment versus what happens to? What you'd look like depending on where home prices go. Generally speaking. If mortgage rates go up, that could way down on real estate prices we did see mortgage rates. Go Up for a bit a few years ago, but the housing market did find, but you could certainly envision a scenario where rates went much much higher, making houses, much less affordable and prices would have to adjust. But I don't expect that to happen anytime soon. I think we're. GonNa have low rates for awhile, but beyond that I don't know I've given up trying to predict where interest rates are going or even paying attention to people who try to predict where interest rates are going, so who knows? That said since you live in Canada. I thought I'd check. In where rates are these days and I and I got a brief reminder that things are actually different in Canada so I did a little bit of research. And then realize I had reach out to someone who knows, I reached out to Canadian Motley fool analysts Jim Gillies, and he had some thoughts so first of all just for you non-canadians out there. It is really different so in America. We get this thirty year mortgage than we have the same payment for thirty years. It's fixed. They don't have that in Canada. What's the most common is a twenty five year? But only the first few years or fixed. And then adjusts so in that context you can understand why Randall is worried about interest rates going up because over the next depending on which alone he gets the most popular is a five year fixed, and then you basically have to go get a new loan probably. So that put that in context, a little more, but also Toronto, really is crazy expensive. Vs from the end of last year that put it as the most overvalued real estate market in the world behind Munich. As Jim pointed out in our call here in the US we had our housing peak in two, thousand, six, two, thousand seven, and then we had what he called a reset, which is basically prices came down significantly candidate and have that slight downturn at home prices, but then they just kept on going up, so it really is different there, so when Jim explain all this to me, the difference in mortgages and the difference in home prices. Frankly he was inclined to say to this guy. You Might WanNa rent for while more and see what happens, but he also had the good advice of okay. What if you buy in prices? Come Down Fifteen percent twenty percent. What if they come down to a point where he upside down? You owe more than the home is worth. Are you okay with that? If. You're okay with that. Maybe it's okay to do that. But it certainly sounds like dicey situation than if someone were telling me like I'm thinking of do this in Dubuque Iowa or something like that. couple of other differences. In case you're curious about Canada in the US. Your mortgage is portable in Canada south. You Buy A. Get the five year mortgage, but then move get to take the mortgage with you for the next house and interest is not tax deductible. US Look at you, Robert, broke? Camp Can Canadian real estate experts there you go. Next! Question comes from Chris. I was on twitter the other day and saw that one of your contributors Brian Feroldi tweeted that he doesn't believe in a long list of technical trading terms and then modern portfolio theory. Can you help me understand what not believing an MP? T with mean this? He believed that diversification doesn't reduce risk. Also every financial adviser I've ever talked to his preached empty, so I would love to hear the counterargument. Jason you're not Brian for all the. Question I am not Brian for all the do get the talk of Brian Pretty good bit though. I I must admit I. Don't know what he said here in regard to modern portfolio theory and all of these technical trading arms. But I think I can take a guess. Generally speaking I agree with them, and I think you could sit there and look up the portfolio theory in you know read about it as much as you want. Just go to google modern portfolio theory, and you can dig right in there, but in a nutshell ultimately, what modern portfolio theory is the intention behind it? It's meant to reduce risk while maximizing returns. It assumes that investors don't like risk. They prefer less risky portfolios to riskier ones in order to achieve a certain level of return so right there. I kind of kind of lost me right there because I don't believe that every ever investors risk averse I think some investors have a very. Healthy, appetite for risk, and frankly I would say I got a pretty high tolerance for risk when it comes to investing, made it just because of what I do for a living but I. You know to me I like having that trade off least unhappy. Happy to take some risks there. If I feel like that upside, it's going to be potentially worth. So with modern portfolio theory, it introduces a lot of fancy math in the form of variances and correlations in order to come up with this. Quantifiable, investing strategy that ultimately helps reduce risk while allowing the investor to achieve. Certain returns in. Maybe it works for some not I'm not dismissing it personally I. Don't use it, I don't personally subscribe to it I. Don't need it. I think honestly for us. In a really believe it's extends to to most people in our full universe is that is individual investors I think a more meaningful way to reduce risk. is to just extend your timeline like invest longer. So like Tom Gardner said a number of years back when we were. Working on Motley, fool one basically take your take the time line that you think you want to own any individual stocks you buy shares of starbucks and I plan on owning it for you know five years. Okay, we'll just double it. Cloning it for ten in all of a sudden right there. You've given yourself more time. Time is one of the big advantages we have is individual investors. Money managers don't have that advantage, Wall Street done generally handed abandoned, either, but if you can be patient and just invest in good businesses. That risk really starts to come down over time. There are plenty of studies out there. That show that risk comes down the longer you hold onto those stocks, which into me, just renders modern portfolio, theory, more or less not useful mean on things, not useful for everybody, but it's not useful for me and based on Chris. Question It sounds like a agree with what Brian was saying there. We think I'll add to. That is I agree that risk is really not that much of a consideration if you are saving for retirement. But once you are in retirement man, and just say like you know what the market's not I'm going to extend my time highs in ten years. Because you need to spend money in that situation, I think diversification is important. It's important to have assets that don't always move the same direction at the same time. For some fools. That's just as simple as keeping any money need the next five years in cash, so you're right out any ups and downs, and that can be fine. But I. do think it makes sense to have. A mix of investment so that right now, technology stocks are doing very well, and we hope that continues to do well, but we remember was that happened in two thousand from two thousand to two, and there were down for quite a while anyone who retired in one, thousand, nine, hundred nine, or so it was very happy to have some small caps value maybe a. A little international, some reits to ride out the storm Yeah I think we talk about that often like recognizing where you are as an investor in life, are you in the grow your wealth stage, or are you in the protector stage, because they are two very different strategies, and we're all hopefully going to be in both of them at one point or another right? I personally and still on the grow your wealth stage I. Think we all probably are, but you will at some point get to where you need to focus on protecting the wealth that you've made so that you can then have that money to spend, and that definitely will dictate your investment strategy things that you're invested in and whatnot. Generally speaking I do like the idea for people who are just risk averse and have this notion that investing is just too risky. I mean the fact of the matter is not investing as far away greater risk like not investing. You will never grow your money if you don't the best, so if if if risk is a problem, I think generally speaking. Along the lines of diversification idea that that bros. talking about him, he just invest in invest in SNP index fund is something that just follows the progress and p. you know you're going to be participating in and if you look at that over the over the stretch of time, their five ten twenty thirty years, I mean that trend does go one way. It, but clearly the older you get, the more you need to start focusing on protecting your wealth, and that will change the way you view things. Right next question comes from Alex from Alexandria if I buy Muny bonds from another state in my IRA. Is it still taxable and Alexander with who we have a bond on and we do have a bunch. I know Alex up super excited about having a bunch on in Alexandria to I can't believe I haven't been there. It's like two miles from my house, but we still haven't been oh i. know because there's a global pandemic going on and we. saw. Alyx if we buy me bonds from another state in my IRA is still taxable. Bro, help him out or her or so Muny Barnes. People Invest Immunity bonds because they're free of federal taxes and in many cases. If you're buying bonds issued by the place you live, they might be free of state and local taxes, so that can be doubly triply tax free. That's why people buy 'em. There are some times, however that if you own immune, abound outside of an IRA. Pay Taxes and this surprises some people. There's something called the minimum tax. If you buy immunity bond at a discount, and then it matures at par. If you buy a distress, Muny bond for like you put an eight thousand dollars, and you sell it later for ten thousand dollars as a capital gain. You'll be taxed on that. So, there are some times when you would pay taxes on media. Now, Alex is asking what if it's an IRA? Do I have to worry about paying tax interest. If it comes from another state and the answer is no, you won't have to worry about that. The only thing I would say is. Generally speaking immune bond already has built in tax advantages, so you wouldn't keep it in an IRA, unless there's the example of the stuff I was saying previously like for. It's one of those exceptions when him UNIBOND would result in taxes than you might WanNa keep it an IRA, but generally speaking. If you're going to buy Muny Bond, keep it out of an IRA. Next question comes from Boone. I just did my first. Roth conversion and looked at that old account for the first time in. There was the expected dividend producing fund I remembered, but there was a stock chesapeake energy that I had completely forgotten about since I purchased the stock in two thousand, six fifteen. It's down way down like eight point five percent off the purchase price. What should I do with it now? It's in a tax deferred accounts so I. Don't think the loss is realized until I. Start to pull money out of the account and that might not. Not Be for fifteen years current value of all my shares will be about one percent of the value of the account after the conversion. Do I sell in the very little value? I had left and depend on E. Trade to keep up with lost for me or should I hold on based on the slim chance. The stock will be worth more in the next ten years. Oil Stocks do act unusually on occasion, only oil stocks. Stock everything else makes that usually. Chesapeake has been really. Interesting Story to follow and frankly. I don't I. Don't know that I would look at it today. As a business that I'd WANNA own so typically if I. You know I think it was yet idea. Didn't sound like a position are actively building united investment didn't work out. I mean that that happens to all of us. We don't get them all right. We have a philosophy here at the full. A lot of do we like to? Water flowers and pull the weeds, and that's just a nice way of saying. Add to our winners in to get rid of losers in. This I think is more than likely slated to continue being a loser I mean. Chesapeake has lost a lot of value. In it does sound like based on when you purchased this, these is absolutely busted I mean. There there are all sorts of reasons to sell one of them is if you thesis busted and the reason why you invest in the company is is no longer the case, and I would he probably is the case with Chesapeake so to me like you know, you could sit there and let it go, but but what's the goal trying to get back to even, or are you trying to get back a couple of bucks for me a lot of times? I'll I'll take a little opportunity here and there to just go ahead and pull those weeds sell it. Be Done with it. In even though it's just unique out a little bit value there, you can still take that money and do something more productive with it. So. Yeah T to me. I can't tell you to buy or sell obviously, but I can certainly understand. Selling in this case, but I you know. As as oil and natural gas energy can can turn around. This is going to be one that has a lot of headwinds in in. You might be waiting a very long time to to get any of this money back. I point out here that I it seems that maybe boone has a slight misunderstanding of how taxes in aries work because he talked about realizing the loss when he takes the money out and trade keeping track of the loss for him, it sounds to me that he thinks that he can write the loss off whence he takes the money out. That may not be the case, but just to be clear. One of the great benefits of an IRA is you don't pay taxes on the gains, interest and dividends from year to year. But. One of the drawbacks is. You can't take a capital loss on that as well so there's really no no way to benefit on your tax return from this loss. Next question comes from Benjamin. You recommend seeing a fee. Only financial adviser for check in every so often I know there is the Garrett planning network and others to help find an advisor. But what questions do you ask? And what answers do you listen for when trying to find one that is worth his or her one hundred fifty to two hundred fifty per hour. So I would say start first with asking yourself some questions. What are you looking for? You could go for the whole launch. Lada where someone is managing your money analyzing retirement plan helping new save and a five twenty nine. Maybe even doing your taxes with some financial planners do help with the state planning, or are you looking for something more targeted? You just want advice about am I saving enough for retirement, or are you close to retirement? You're like I just WanNa make sure that I'm doing right when terms like choosing my Medicare plan and claiming social security at the right time, so first of all just be very clear of what you're looking for. Then if it involves investments in any way, you WanNa, make sure that you find someone who is at least in the general same area philosophically and I say this, because many financial planners are hardcore index. And if you come to them as a motley fool, listener member with a lot of individual stocks. They may say okay. I'll give you some general asset allocation guidance, or they'll say I don't care if you like to pick. Stocks are not my advises, sell the stocks and go to index funds, so you want to make sure that if you're gonNA, ask for any sort of investment. Advice that you wanna find someone who's someone somewhat at least aligned for what you're looking for. Once, you've got that then. Just asked some of the typical stuff. You might expect so credentials certified financial planner. Are they a CPA either their personal financial specialist. How long they've been in the business. There are lots of people who. have not been in the business very long. Even though they're not young people, a lot of people choose financial planning as a second career, which I think is great, but just because someone may be look like they're in their forties or fifties. Sixties doesn't mean they've been in the business that long, and you WANNA. See if they've worked with someone like you right so if you have. Maybe. You have a large amount of wealth large income huge portfolio. You WanNa make sure that they have experienced with dealing with those issues, but on the flip side to if if you have, are you know middle income, decent size portfolio, but nothing too complicated. You don't WanNa. Go to someone who's used to dealing with someone who's wealthier partially because those people charge a lot more. You want to find someone who's kind of a little more lined up with what you're doing. Then make appointments with three folks. All of them will do get do free. Get acquainted means, and you're just looking for someone who you feel comfortable with. Since, you mentioned Garrett Big Fan of the Gary Planning Network and other is is not for the National Association of Personal Financial Advisers. But Garrett on their website has a how to choose an adviser section. Just Google attitude visor Garrett Planet Network has a great chapter from a dummies book that they wrote about how to choose adviser, and they have a good questionnaire that you can print out in US asking lots of good questions of financial planner. It's tough. Choosing a financial planner like my mom just went through that Bro! Is You know and she didn't really have a lot of options in Boise Idaho. Maybe two and one of them, she I never called her back, and never got back her, and the other one was just so busy just so busy, and just she just never. It's it can be rough. Finding a financial planner can be I. Think what we'll see is one of the consequences of this. Of the coronavirus pandemic. Just, like we are all used to working from home, many financial advisors and financial planners an now working from home. So in what they're doing is they're becoming licensed in more states. So, if you are more comfortable, working with someone over zoom remotely I think you don't have to stick with someone in your area. You can go beyond your locations, but you know some people don't feel comfortable that if if they're going to have someone managing their life savings, they want to be able to meet them in person. That's just a personal choice. All right next question comes from twitter. Is that right from sully what I hear? Okay? I just listened to the episode mentioning Your Weakness Two. Shopping carts and Tj, Maxx that me or you Jason. Accused me. Thoughts on the stock. If I had a war on Amazon, basket would be Costco TJ maxx Home Depot tractor supply. What would be your basket against online retail? That's funny. Well okay, listen I wouldn't have basket against online retail, because online retails where it's at. The whole idea. The whole idea behind the basket approaches to find a long term trend that you feel like the world is headed toward and so the war on cash basket, for example that was always one about people using cash war, traffic payments now with that said I get the spirit of the question some going to answer it because I do like some of these ideas. And I I would definitely include Costco in their in Home Depot's well. Home Depot gets a lot of my money. Doesn't, but they have a very loyal fan base of customers that just are happy to renew year in year out. So I love those membership models there, so costco and a Home Depot for sure you know I'm going to give a little shout at my wife Robin I. Know that she would approve of my adding target to the mixer. She hasn't been raving about targets APP and ordering on the APP the able to go to the store. Just pick it up right there I've talked with Ron Gross on more than one occasion about target and how this really has. Become a twenty first century resale right they're doing. They're doing everything online and in physical stores. What they call Alma Channel and then my fourth and I'm GONNA. Take this. You probably aren't expecting this when Alison. I'm GonNa Shock and all you. I'm ready. I'm ready Alta. We're going. Make up my I know my daughter's love. It ugly ugly Mug like this. What do I know about makeup? Tell you what. Get! A House with two daughters and a wife. That's what I know about make. There's a lot of it in an Ulta is a really really good business. They actually have a very nice diversified revenue stream. They've got the salon a`dynamic of the business which encourages people to go there they do have an online business. They have an augmented reality function there at where you can actually like. Try things on makeup to see how it looks. Mary Dillon just a phenomenal other adults of that's my fourth, their Ulta but they I appreciate the spirit of the question I like the idea I'm not saying this is the basket. I'm not tracking this basket in a not a not backing this basket, but in the spirit of the question if I had to develop. A basket, such as this one I think it'd go with those four. Yeah, I mean I guess you just have to think about what retail out there is something that you would still physically go to. Because the actual retail experience is being in the space is the experience and what you're there for? And I know I mean before Corona virus we I would go to target and just just couldn't believe how much money I had spent from walking through a few of the aisles. TJ Max is just a phenomenal business I mean what they've done through the years. Is really capitalized on the nature of the business, the advantage they have in that treasure hunt kind of nature like you go to TJ Max, maybe not necessarily looking for something, and then you end up finding a lot of things, and it can be a little bit lumping at times, but but generally speaking like management's a very good job of running that business, and they know how to exploit the advantage of experience. I think they're online game. Though I think they could probably get something going with online, and they just have not have not yet and so I. Haven't since Corona Virus for example. I haven't spent a single dollar there, but I continue to still shop at. Home Depot I. Think Yeah! We still shopping at home depot because we're doing. You know you gotta buy lumber somewhere. And I know my grandparents out in my my inlaws out in rural Virginia. They love tractor supply store, but that's not. That's not in where we live, but. Still New deck at the house there allison. I mean you, can you see? A big exposed beam behind me and some drywall work that needs to happen. Have lots of drywall work that needs to happen now though. Yeah Anyway get to that. All right next question comes from Matthew. I got married to my amazing wife nine days ago in a small Kobe nineteen wedding in our front yard after we postponed it from its original date in April all. It was definitely different, but still very special. My question is in relation to this wonderful event. My salary has been at a level that has allowed me to fund a roth. Ira I love the optionality of it, but after marrying my bad ass, wife are combined. Salaries are now over the limit that would allow me to fund the Roth. IRA does this affect occur immediately? Do I need to now open up a traditional. IRA and begin funding it or do I have until the end of the year. Matthew wants a Roth Bachelor party one last. Well Matthew I have bad news. When it comes to most things in taxes, your status and your age and things like that depends on where you are on the last day of the year, said if you're married on the last day of the year, you were considered married for the whole year. So that means if you contributed started contributing to a Roth IRA for twenty twenty. You need to call up your brokerage. Firm and re characterize that as a traditional. Now don't have any other traditional IRA, as it's very easy to do the back door, Ross which we've talked about before you can just google it or even when you call the brokerage, just say I want to do the backdoor. Roth and they'll tell you what to do. If, you have other traditional IRA as you can still do. It just becomes more complicated and you'll probably pay more taxes. So you, but you may not be totally out of luck and I should say that's only if you have a traditional IRA doesn't matter if your wife has traditional areas. One exception by the way of of what I just said. In terms of tax status and last day of the year is distributions from retirement accounts before it's age fifty nine and a half, you actually have to be age fifty nine and a half to avoid that ten percent early distribution penalty, unless some of the many exceptions that are out there exist. Right next question comes from Warren Warren Buffett. Maybe I don't know that's why I was thinking. He's asking about coq, so maybe maybe. Once James Opinion on coke. By? Or hold? Wants to now. I'd give buffet night give. Kiesel Warren of the same advice and I would say. For some I'm not buying it. Not Buying it I'm not holding it if I own it. I guess that means sell it. Even Atlanta Georgia person like you i. feel like it's almost sacrilege. I am pretty close to probably not being ever even invited back. But the facts are the facts. Okay, I mean you do have to look at the stock itself has been ain't bad stockton for the last five years. I mean I do understand why when you look at it what they do, I mean they have. Four hundred master brands, and less than fifty percent of them are the big global brands that are actually responsible for almost all of their revenue when I say almost only ninety eight percent, so it's a business. It's very reliant on on. You know a small portfolio of really successful grants. The problem is now. We've always talked about cocoa beans such a great distribution story and that's true. They've got a distribution network. It's just phenomenal, but the problem is now. They're what they're distributing is is being seen as not so good for you in so you're seeing them. Have it into to essentially pivot away from what you know brought them all of the success for all these years. Years in soda and that that's not going to change I. Mean you're always GonNa have people to drink soda? People are not to drinking as much soda going forward in the numbers of just kind of the kind of shown that through that through the quarters in the years of Coca, Cola and Pepsi Pepsi. Has the salty snacks division, which I've always been very. Impressed by I, mean I love a good Cheeto, and so I mean anytime you can throw a bag of those cheetos in my Patriot Amok GonNa, turn it their coq. Interrupting, but I think this is also very important point. You tried the Jalapeno White Cheddar crunchy cheetos. The White Shit or so. I've tried to Jalapeno ones but I've not seen the white Cheddar White Cheddar Jalapeno crunchy cheetos. Don't get the puffy. The poofy ones are not as good, but the crunchy white Cheddar Jalapeno Cheetahs. them by them. They're amazing. I have to back. Pain you. I'll get those next time. I promise I, mean Eh. One. crunchy wants the puffy ones, so that people won't you're not? You're not seeing poopie. Who using poofy Joe Copy? We'll be Coca doesn't have that dynamic of their business. They don't have that dynamic to their business, and they've suffered from that Pepsi's Pepsi's outperform coca-cola over the last several years. It's not safe. Pepsi or coke get it back. I'm sure they probably can. But what I am saying is I think there are a lot of better ideas out there, and so I wouldn't be putting new money into Coca Cola and frankly if I did own it. I probably would look at selling it and you know if you've got a beverage company, maybe own starbucks. It seems like the science coming out in support of coffee, right? It's coming and telling you that these sodas. They're gonNA. Make you fat. Coffee, it could extend your life. It could help you live longer. SMART Mexican looking this a starbucks as well is. That sounds like study from the copy roasters of America. Do! Something that Chris Hill sent me the other day. that. We sleep at night. I'm glad I've been drinking coffee as long as I have God knows what I would look like otherwise. You're a good looking man. Rick. good-looking next question comes from. A. I'm trying to save money for my kid's College. Fund while the five nine is a great option. I'm limited to investing in mutual funds, which means at best I'm going to get what the market gets assuming I do some sort of low cost index fund and I be a capital F. Fool investor have been doing much better than the market in the last three years of being a member of. Of Stock Advisor Enroll breakers, even during this pandemic mess by listening to every full podcast and following David and Tom's and yours and every one else's in the full universe. My portfolio of about one hundred stocks is up here today. Thirty percent to the market's down five percent as of day as of today weighed down by three sluggish five to nine plants that are also down five percent each. I feel like throwing away money by using the five to nine, and not being allowed to select my own great companies in which to invest. What's more, my understanding is that the five to nine does not count as an asset for the kid when applying for student aid, but the coverdale does. So I come to you with a simple question. Can I have my cake and eat it, too? What if I wanted to use the coverdell to buy individual stocks? Until the child is nearing college? At which point I then converted to a five to nine. This allows me to get better returns and avoid it being an asset for financial aid and get the favorable tax benefit. So, chose this question, because first of all Dune does a good job explaining the benefits of the coverdell over the five twenty nine, you can buy individual stocks. You can buy and sell them all day long. We recommend that, but you can. Whereas with the five twenty nine, you can only make two changes to the investments a year, and it's all mutual funds. So. That's you did a good job of explaining that. I will point out with the coverdell. It's gotta low contribution limit of only two thousand dollars a year, so for some people save more for college, but they can max out to cover it out, but then put the rest in a five twenty nine. One thing that doomed does not have quite right. Is The financial aid treatment the financial aid treatment? Coverdale's and five twenty nine is identical. They're treated as assets of the parent, not the kid that is favourable from a financial aid perspective. It's not negligible doesn't mean it doesn't have any effect on financial aid, but it's better than an asset that is owned. By the kid. He can. Transfer money from the Coverdell to the five twenty nine. If for some reason, he decides to do that, but you can't transfer it. The other way around so were convinced to try out the covered. You have money in a five twenty nine. You can't move it from the five twenty nine. To the coverdale. What other interesting thing that he pointed out is that he is doing very well with his investments, and he owns about one hundred stocks. We get this question a lot. Either on the show, or on the full live that we run every day for members of full services, and that is how many stocks should I own, and if I owned too many are not just owning index fund watering down my returns, but here's an example if someone owns a one hundred stocks is still crushing the market. Idol last question comes from Cameron thoughts on the valuation of Stone Co in light of the corona virus for a fragile country like Brazil. This could be the tipping point after so many other headwinds. But how does that affect stone? coz Business Jason I. Don't even know what Stone Co is. What is still business? Yes, don't Coz a payments company that's focused on Latin American markets in Brazil and particular in so I guess it could be. Draw you can draw a parallel to to a with square through pay pal at, but generally speaking I mean it's payments. Company focused on Latin America. Primarily Brazil. Is the big money making market kind of like Marco Libra, they're. In I, I, it's a it's. A NEAT opportunity, gained a lot of headline recently, when and it was, it was seen that Berkshire hathaway. Warren Buffett's company Berkshire hathaway taken a five percent position in the company, which is pretty considerable i. Think in the near term. You have to acknowledge the fact that. They're gonNA, be some real headwinds in in Brazil particularly because of the pandemic I mean. The flip side of that is role in same boat kind of in that regard. The entire world is dealing with it, so it's not specifically you know it's. It's not particular to one economy or one country some. To get hit harder than others I, do feel like Brazil. Be at a place where they can recover from this given You know some of the other businesses in the area. I mean that that that I think is. Who knows ultimately how? That's GONNA shake, but generally speaking. I think the move away from cash towards cashless. Transactions in and financial software that's not stopping if anything, this hastens that which which is what I think, Cameron's talking about there and for a company like stone. Co, neither are other companies in the space pags bureau in roquetas libra to but you know moving money around is a big big market opportunity, and there's nothing that says they won't be able to expand well beyond the Latin American markets, too, so I I'd say cautiously optimistic I mean I

IRA Jason Moser Google Chris Hill Brian Feroldi Canada Starbucks Warren Warren Buffett Twitter Toronto Alison United States Muny Bond Brazil Alex
Walmart & Shopify Team Up

MarketFoolery

00:25 sec | Last month

Walmart & Shopify Team Up

"Which last time I checked was already doing pretty well with the ECOMMERCE Walmart is partnering up with Shop. Affi- to expand its third party marketplace site. And you were talking earlier today. This seems like a good move for both it's the proverbial win win, but in terms of stock prices. It's moving shop up about five percent today.

Walmart
Sean LeBlanc  How to book incredible portrait photography clients at expos

PhotoBiz Xposed

08:01 min | 3 months ago

Sean LeBlanc How to book incredible portrait photography clients at expos

"Hey It's Andrew Helmet from impact images. Welcome to this episode of the PODCAST. I know you're GonNa love what Shawn has to share. He has an incredible story. And I think it'd be blown away by the success. He's having in such short time. But I would encourage you to make sure you check out his website to get an idea of the kind of work. This guy is producing before we get into all that. I've been thinking quite a lot about interviewed last week. With Zack. Arias and I've had a conversation with another photographer. I'M GONNA leave. He's nine out of this but he just could not believe he seriously thought Zach was making this up that he would go out and shoot one hundred dollar poets poets after making so much money as a successful commercial and aditorial photographer for big brands. That just did not make sense to this listener. We had a few back and forth. It turns out that Zach was being one hundred percent truthful. Amer God's to these poets portraits for one hundred dollars. He's actually got a youtube video up now. Talking about these executives the fact that he booked fifteen families in five of them cancelled in the graphing ten days families for one hundred dollars a pace to release fifteen minutes sessions. He goes into complete data. So there's no denying that Zach was playing one hundred percent truthful. I WANNA be clear. The majority of comments and feedback were just how refreshing. It was to hear from someone exacting so truthful and honest about the state of photography the industry dealing with Kobe nineteen and all the aspects of having no income and manning expenses. It's just frightening anyway back to this other photographer having back and forth. I think what we both agree on more. No we what we both agree on is. There's a really good chance. Even though exact didn't say this specifically that having high overheads a lot of expenses with little savings and the possibility of no work coming in is extremely dangerous and personally. That's where I see a lot of photographers leaving their lives and probably not only photographers. I mean we all like to have a nice house. Nice US new cameras. Modern computers a lovely looking home with NAS furnishings. Holidays kids with Nice things. I mean. They're all things that way we've been brought up to to want and then to pursue and go after and of course we all know we have to work hard to have those things as well but the scary thing is if worked rise up. Where does that leave us? Where does it leave you? And I believe one of the biggest things that come out of this corona virus pandemic is. We need to take a really close look at the way. We're living what we value. What kind of debt were go into what can happen if we can't service those debts for whatever reason it doesn't have to be a pandemic could be personal injury or illness? Something change China's economic climate. I mean war another could be anything and everything could happen to affect our chance to make an income to generate clients and Mike right siles but on the other hand we still want to have all those nice things so to me. We need to think about what we value more away. You place your value and how much risk or dead. You're happy to carry do. Do you really need to have the fifty or one hundred thousand dollar car? The lightest camera. Do you need to have the lightest fridge that you've taken on an interest free loan from the department store? Can you pay off your major debts like your mortgage before you start pursuing all those luxuries in life or some of them anyway. Is that a possibility because one thing is certain if you have no debt and worked as dry up for whatever reason you're going to be in a lot more of a comfortable position a lot less stressful a lot less reliant on government handouts a lot less anxious and generally in a bit place and when. I started thinking about this this whole thing. The first interview that came to mind was one are recorded a few years ago with Vincent Puglisi. If you haven't had a chance listened to that episode it's episode two hundred and fifty five the toddle that Iran we played episode had to move to a life of zero debt with your photography business. And he's the author of the book freelance to freedom. It's definitely worth getting back. And having listened to Vincent to what he shares and had different his life is as a result of living without debt. Because to me. That's the one thing that he's causing most photographers. That is struggling right now. The most anxiety. It's that debt. And it really is a frightening place to be with all that being said. Hope you are in a good place. I hope things have started to settle down and you can see a way forward through this. It sounds like it sounds like things are going to be slowly moving back to some kind of normal in the next four to six weeks. I don't know how that's going to affect you. Depending on where you live and your government restrictions and rules but it sounds like humanist dry they're gonNA start to slacken off the restrictions in the next four weeks whether that means we can go back and shoot weddings immediately or family portrait sessions. But it's looking like that's the why it'll be and that'll be great when that does happen. I just quickly on that topic of photographers. Not Working. No we covered a little bit of this Zack's interview last week. But what I found interesting is particularly here in Australia or New South wiles. We're being told that we can't work unless we have an essential business and for some reason photographers have jumped in to mmediately. Fly The flag for us not being an essential business and I get that. We aren't an essential business. No one needs photography to survive and this year a photographer that is but the general community doesn't need photography to survive. But I'll look around and I see shops open. I see electricians GonNa work plumbers going to work. I say build is going to work. Say My son going to work as a locksmith. Our all those things essential services in some cases yes they are like you may need a plumber. Plumber is essential if the toilets blocked with the drains not draining. But they're going about their work as they do every other day when there is no pandemic replacing taps tap washers. They're doing little jobs. They're doing big construction jobs. Is that essential? I don't think so now. I'm not suggesting that you should be out there working as a photographer doing your family. Portraits or photographing allotments. Or doing whatever you do for your dog. Affi business but I can understand that if you have to put food on the table. You'll do what you have to do to bring some kind of income in if you can do it within the rules. Governments is setting but for some reason. Photography is saying to have this great divide in our industry where you're the lowest of low if you consider going out to work if you're shooting port portrait's even though you're maintaining your your distance or you're doing what you can to put some food on the table and interestingly. I haven't seen a lot of pushback on Zach Zach Arias and what. He's doing what he discussed in last week's episode. I'm seeing very little pushback now. Is that because he has a higher profile because he's more well known in the Industry. Is that why people aren't screaming at that? Hey you shouldn't be doing that. Zach this is the worst thing. You're a photographer. What you're doing is not essential or is this something else at play here that I don't understand

Zach Zach Arias Zack Andrew Helmet Youtube Vincent Puglisi Shawn United States China Kobe Mmediately Mike Iran Australia
Understanding Photography Education  with Darlene Hildebrandt

This Week in Photo

06:58 min | 4 months ago

Understanding Photography Education with Darlene Hildebrandt

"Welcome back to another episode of this week and vote on your host. Frederik van Johnson. Today have the distinct honor and pleasure of having a an longtime friend of mine. Darlene Hildebrandt on the show to discuss a topic. That's near and dear to both of our hearts and that's education and we'll topics education and photography. We're GONNA talk about both of those and it's more specifically what's Kinda the state of the Union in that area. Is it still save your money? Go to a brick and mortar school. Is it by a bunch of workshops? Forget all that and just learned from. Youtube is it by courses online. Darlene is here to demystify all that for us and and sort of dive into it. Yeah Darlene how you doing? It's long time no see Ed. Flynn too long. Frederic. How are you? I'm doing good I'm good. It's going to see your face. You never change smiling faces always exactly the same. I like it so few more as my hairdresser called sparkly sparkley hairs. Ono's I love those. That's good that is good. It means you each one means you're wiser than people that don't have cancer. Barclays sparklys roller Before we dive into the meat of the conversation I want to talk about the Just sort of you know the state of your union. The State of Digital Photo Mentor DOT COM. And all that stuff you know what's new and great. Yeah the world that you build. You've got a storied history. I mean you've worked with amazing companies. You've been in the education space as long as I have at least so what's what's going on. What are you guys working on? What you building. What is the? What's the state of the Union? So about as you mentioned. I've been involved in the education of photographers for awhile. Now I've been teaching locally for eight years already and I was the managing editor of digital photography school. Dps for five years. And I left. Eps A year ago to branch out and expand my own horizons and they wished me well. And you know we're all on good terms and we still talk and that's great And just in the last year we've been building Lor Tara fee tours. I've been to India and Vietnam and Peru in the last twelve months I posted on my facebook awhile ago that in the last few months. I've been on twenty seven actual different airplanes and been to seven different countries. Wow that is so so you know what that means. It means so we're we in the beginning. We decided to focus this interview on education. Clearly there needs to be another one that talks about travel and how to do it without losing all your stuff. Yeah and I think they go hand in hand together as well travel and photography and education because on the tours is a great opportunity for people who aren't usually in sort of immersed in photography as a day to day endeavor. It gives them a chance to. That's all they're focused on is taking pictures and learning about their camera every single day for two weeks or whatever it is and just by most. They're gonNA go home with with some more knowledge in. Just just just the idea of putting yourself out of your comfort zone right. It's like whenever even if it's just like for me even if it's just going to the next town over or into San Francisco and the burbs of San Francisco going into San Francisco proper. You get a different energy and it kinda starts tickling different creative synapses that make you WANNA try stuff. So that's so let. Let's switch gears and talk about education so set the stage here so there's there's the different modalities of learning right. Some people learn better by having their butt in a seat in an instructor in front of the class is some people learn better solo. Some people learn better one on one. Some people you know. Hey Youtube. Give Me Youtube and a topic. I'll figure it out in a deconstruct. My favorite photograph that way. Some people need online courses. That are focused on a particular subject or topic. How do you? What's best you know from from the photo mentor herself? What's the what's the best process to going from people saying? Hey Jane You. You might have chops as a photographer. You should really pursue this too actually being good. How do you get good so I think the key you missed one? Actually one modality of learning that is by doing and I think Like I talked about the semi classes when I teach in person classes and I actually have one last night We talked about the basics of processing last night. And you learn either There's actually studies done on this. You learn by either listening to somebody else speak so that could be a video or in person alive class Or by reading rain so any book or something like that or by doing and I think I think most people learn best with a combination of all three right so in my live classes I try incorporate a little bit of everything right so I have them write their own notes. A have them listen to me for a while and then we actually you know. Get their cameras out. We're actually doing style for computers if we're doing processing By doing like if I go way back in my history right like we're going back thirty years now. I'M GONNA date myself here again. The the sparkly airs Thirty plus years ago I went to college. Did a two year program. Which was you know? Degree program if Star Affi and I've been asked that question is if I was to do it all over again now. Would I do that? You know there's been debates about college programs like you mention and what I do that and I can't honestly say with certainty that I would at in this day and age because there's so many other avenues available that you can learn from like you said Youtube and all of those things what college does give you and what a lot of my students always ask me and my classes win. Am I going to get it? When is there going to be this magic? A Ha moment the light bulbs going to go on and then all of a sudden you know I understand my camera and understand light and all these other things and my answer is always the saying when you put in your ten thousand hours rain and if you're doing a college program course where you're doing it every day and you have homework you're GONNA get your ten thousand hours faster range you you're someone wants told me. I forget who it was. Someone wants us the same sort of ten thousand our analogy but they were saying from a photographer standpoint. Just think of your shutter finger as being filled with one million bad images and the only way to get to the good ones to get the bad ones out. Because it's linear right so it just take you gotTa keep taking pictures to get. Isn't that a cartoon persona quote or something. I duNno I duNno. Maybe there's a famous quarter. Maybe it's Karcher song but it sounds like something that he would have said about. You know your your worst pictures are your first ten million or ten thousand or whatever

Youtube Darlene Hildebrandt Union San Francisco Jane You Frederik Van Johnson Mortar School Barclays Flynn ONO Facebook Managing Editor Instructor Star Affi India Peru Vietnam
Exploring the galaxy with radio astronomy

Talk Python To Me

08:12 min | 4 months ago

Exploring the galaxy with radio astronomy

"What do you guys do day to day? Are you both doing Strana me basically day-to-day or code for astronomy me. Pretty much I mean. Most of my work is helping. Mohawk or storm is do things faster so every time for a group who were doing some multiple web it was taking full t two days to do something they then pasta over to us. We go down to eighteen hours. That's awesome that means you can do so much more science right. But as a classic divide and conquer problem at paralyzed line matt talks embarrassingly parallel and we Scott Shaw. We don't really do gathering till the very end Bassett. I see so. It's almost like you can almost do individual computation on a per pixel basis maybe the equivalent of a per pixel basis. We tench Wilkin Frequency Channel. Molden GAY but yes so. We would just purchase one particular or one of frequencies on one machine depend on another number on another world. Do quite a bit of machine learning. What Tech Team are affi- application wage doing corrections actually now moving? Some of our struggle me work into oceanwave investigations and transit or whether we can correct the swell so there's no way there's going to be a good idea right. Okay now. That would be a really unexpected consequence or outcome or capability from studying. Gravitational waves is better surf. Predictions obligation state has different quicken small. Yeah I guess so. Yeah the whole gravitational wave detection stuff is some pretty cutting edge science and it's really interesting and it's cool that you're using machine learning to try to understand that we have a smoke group working on it. We've got ten inches in the pump detectors. This is a very active area of research. There's a lot of groups around the world working on. Yeah I think it's kind of amazing. There's a Lotta stuff with gravity oriented things in astronomy right now. We have the gravitational wave detection for the Clintons Black Holes. We have the first picture of black holes in the last year and a half or so whenever that was going on around their medical field teaching. Sure I guess. If you're already university eventually you might end up. Interacting with a student or two very cool. All right Rodriguez. What about you got kind of similar? I on personal rights became evolving stormy. So I help a summer through the software in different languages for different purposes. Sunil only for me but also for Analysts form we also am theoretical group so people who simulations formation such so all over the place on we only me about all the people in the group we specialize comes kind of in this area of killing. Romans? Lloyd's mice also. On how much do you end up helping them with? Standard Software Engineering. Things like Hey. I need to teach you source control. This is get hub. Let spend an hour talking about that or are they pretty much. Good to go. The generation older durations. Aw It'd be harder to kind of move to sign a newer people like Jonker people come with all those concepts. Serie Computing Rights. They never give ray there so do help to push that. Far East most multi on their Meghan this offer the same side of thanks Entitled Opportune Opponent. How you organize it. Codes optimize things for the particular architecture on someone Okay cool and you're also working on this S. K. A. Construction the square kilometer array. Just this whole topic. I guess we'll talk more audits later. By one of the main institutions that are working on the square kilometer array yet. So it's interesting. I don't know if it's works for light. But it does for radio that if you put multiple detectors and sort of densely but not actually connected at one giant and tanner something you can put that together like a bigger detector right bigger lens in the radio world. So that's the idea right. Just that's exactly Gaskell interferometry you basically if you got three on tennis. Abc Do you do. Is You take measurements in the from from BSE. And then you correlate every repair so to correlate the from be from being from Do that correlates are. Which is the one voice doing all this mixing signals and out goes one correlated thing though which is as if you have one big content. So that's what happens in Vegas for me. I think I'm not sure by up to college. You can also from A to B. But I'm not sure how the kind of work in the science cool so this. Esca project is the square kilometer array which is International Project. That you all are working. On involving thirteen countries that are full members of the project in the Or others who are just participating right. Yeah that's right is the collecting. Because you know we're we're starting to run out of things off the screen. Where do we generally collecting area system is now missing in spite of the fun telescope which means belting countries so the life frequency components coming up to Western Australia and the Frequencies Gang South Africa? So they'll be speaking meat dishes in South Africa. I'm one hundred. One hundred and seventy two and ten is Western Australia so called Com fifty million euros just for the the first one. I don't know a hundred and thirty one thousand antennas bringing all this data. That is a huge amount of antennas. And it's your Joe decombis second five hundred fifty gigabytes a second. I don't really have a great way to understand that number. Honestly like you gotTa think of large cloud services like youtube or Netflix. Or something like that right and we say no orange them. Visualize it if you take your you know your how drives your five hundred heart ripe under throw it and you throw one of those second right. Yeah that's a lot of data also takes a lot of power right. Yeah that's one of the the the key things because we we would like Green as possible but we go cap on the moment to make a wall system on the planet. So that's still a challenge. We have to address. Yeah you almost need your own power plant. Tell me how much somebody call the ready down. Okay is it the blades that generate? Rfi Or is it the generators that generate. Yeah yeah

South Africa Wilkin Frequency Channel Scott Shaw Bassett Matt Sunil Rodriguez Australia Meghan Lloyd International Project Tennis Western Australia Vegas RAY Joe Decombis ABC Youtube
Jason Lemkin Clip: Why now is the best time to start a SaaS company

Equity

10:57 min | 5 months ago

Jason Lemkin Clip: Why now is the best time to start a SaaS company

"A few weeks ago I had the opportunity to chat with former founder. Active venture capitalists and driving force behind. Sastre Jason Lincoln. Jason Zoster a community for Sassan cloud founders also organized the annual Sastre Conference in San Jose. That now attracts five figures. Were the folks each year. We spoke with Jason before the novel. Corona virus had evaded containment efforts affecting domestic markets after upending their counterparts abroad the current community since dacians forced Jason Deport. Sastre back a bit. But that doesn't mean that our chat with him any less timely in our forty five minute conversation we covered a ton of stuff from the potential for cloud slow down to how founders should use or not use venture debt to Jason's outlook on SAS consolidation. And even half asked. He's writing checks today. We're sharing one of our favorite clips here. The rest is over on techcrunch for excellence subscribers we're GONNA get into VC's lately that have been talking about the beginning of cloud. Slow down and I I. This is a very specific thing. What they mean is cloud is no longer an upstart phenomenon. Saas LONGER NASCENT. We've now seen a large percentage of the inner voice software world move over to SAS and nine means that the growth rate will descend as the actual aggregate basis larger and critically. They think that this might lead to income and squeezing out startups from certain spaces in the Saas market. That might have been attractive before. And this is from Alex over at scale venture partners recently and I thought it was interesting hypothesis. I don't see why wouldn't be correct. But I want to get your take on. I know your cloud optimist. You've always been a believer in my experience. So when you think about the maturing of this ass market does that leave less space for starts in as you look at the the overall landscape. Well let's see. I think there are two different points. I have two different perspectives. If you look at data from Gartner which is imperfect. But at least we haven't you. Can you can say that. Maybe thirty percent of old school on Prem type software has gone to SAS thirty percent so the pollen of user seventy percent left but the flipside is. That's a lot of market penetration right. It actually starts approach forty fifty percent. You should see a slowdown this secular trend into SAS. When when even when you started doing sas certainly when I started doing it was risky. It was quirky. It was weird. It was it disliked. It was it was not trust about two thousand sixteen through about Twenty Sixteen. Maybe even a little later at the first astronaut. Aaron Levy came one week after the box roadshow and asked him what the public markets. He said they're starting to learn about it. They're starting to get comfortable in two thousand fifteen. That's that's only twenty five years ago so we are so that thirty percent was probably eight percent right and so there is so there's so so there's a the good news is seventy percent left. The the risk is like you know there's only so much of this crazy growth and another thing happened. Which if you look at any Gartner or whatever this and this no one anticipated more of. It went we all knew there would be a substitution that of however you define it a trillion three and there's different metrics how much infrastructure include. We all knew that like the old the old on Prem Safra would go to sas we didn't realize that it would. It would take up thirty to forty percent more of those. It budget so they used to so we got an extra boost. People are spending more on software. No no one from scale no one from anybody realized we would spend more on business software because of SAS but has physical limits. It budgets are only be so much of global two thousand budget so these Amazing Trans created many many Saas companies. Doing a billionaire are billionaire are but but they're gonNA hit headwinds there. There's no question those headwinds that's different from whether that's going to box out startups. By the first half of the apotheosis there is going to be a slow down as we just forty fifty percents over the next five years. Yes there has to be and as we stop putting more and more of our fixed. It budget into SAS. These are two great trends and they will reach saturation. Got It okay. Now on certain point and and being boxed out using more skeptic I think this is the best time to start a startup time. Tell me why because all the SAS leaders are billion. Two BILLION COMING UP ON A billionaire. Zenda shop is the hub spots. They don't have taught they don't have time so if you're a billionaire and they're all growing like a weed growing thirty forty percents shop advice. Going fifty percents off. But they're all growing. They're all growing with a few exceptions. They're all growing north of twenty percent. All the leaders true. So let's imagine you're in a building air which now they're like twenty of these companies. How much do you have to add this year? Two hundred even three hundred. Maybe a lot you're thinking about non-organic time to compete with your little startup. That was just on tech crunch. You know ten years ago. Five Years Twenty fifteen. When when Aaron came from box Aaron would see a startup. Doing five millionaire. Get a little worried. I mean not literally worried but they. Hey this may disrupt me. Is that right Stewart. Butterfield doesn't have time he's GonNa read it. He's all over social media. He's an incredible founder but slack doesn't have time going to a billionaire to worry about someone that did five million has got to worry about. Microsoft has gotta worry big guy so that means you have a lot of air cover to get not just to a million before your competed with by maybe one hundred million owes underneath the. We'll just ignore you because they have to focus they have to hold it and adobe turning around now and everyone from fig on down is competing aggressively with them. But why because they're stupid of course not? They're very smart. Sap there they were busy. It's too small. It was too small right and there's too much growth in creative cloud creative cloud fuel the dobies text market cap growth. So they just. It's not that they don't watch what's happening with web flow and figment everyone. It's just too small until it's nine figures in revenue because figure has become materialists. I don't know how they're all super successful and it's not because anyone was dumb. It's just because you can't compete when they were small you just can't. You're too big. You're they've grown too quickly so it sounds like instead of this problem. It's actually there's there's more freedom because become now too busy to kind of mess with you get up to ten fifteen twenty million a are before they even begin the guns on your ship and because cloud got so big. These niches got big. Every niche. That used to be a millionaire NECC- now can be one hundred million Monday dot Com. Where you're talking about who we needed another project. Management for Non Tech folks that went from one hundred twenty million in four years. But that's a that's a piece like ten years ago. That would be a two million dollar business going to two hundred million so let's whole years one hundred times bigger. This little niche that Monday found and they're going to do a billionaire art. So let's talk about Vertical Saas. Jump ahead my question because this is what I wanted to get. Borough Ready It seems like you're thinking about Vertical Saas than isn't that this is GonNa be constricting idea but inside these these these takes on like the dentist industry or whatever and building software for those could be enormous because the niches have gotten larger to your points. I presume your a bowl on vertical sats. I've always been a ball. I would say even more simply. Look at any company to billionaire. Look at his desk job. Okay which is already two billion. That means they're gonNA keep growing. That means they're going to get to five or ten billion. My rough math is there's another billion vertical version of that so there's another billionaire could be more and that means there could be ten UNICORNS. One hundred million ten verticalised desks right And doesn't even have time to meet with them right. I Investment Company gorgeous which is like a vendetta ECOMMERCE. They're almost all on shop. Affi- it's very niche right. They're gonNA be growing three. X Ten million error. Is that tune it? People thought this company was to NICCI twelve. Apparently it's not nine. Three hundred percent honest has an offering it as a great product but all they do is make sure your fulfillment from instagram to shipping. That your contact center works magically. Which is good enough. Note is enough. It is enough to build a three hundred million Arab business. But it's just a niche today. That's so big because cloud is look how shoplifting. Today seventy million dollars in two thousand fifteen it was worth eight hundred million so these niches have grown astronomically and that means these vertical SAS things. We've like gorgeous and others. You turn around. And how could we do be a unicorn? Well it wasn't four or five years ago right when I met I met the founders only twice twenty fifteen. They were great but it wasn't clear it could be as big today but cloud. Gubbay point about Zen desk in there being room for ten unicorns underneath the desk at one hundred air. The implications vertical sights will still generally smaller companies than the original broader. Sass play so to me even smaller than salesforce. That's an example I don't Viva is a Pharma. Sierra Viva is the most successful verticals ass company so the CTO salesforce left salesforce a decade ago founded VIVA. It only raised three million dollars from emergence plus. It's now worth twenty billion dollars. Today he was also in my class. Like everyone did better than me in my bye-bye on the show but you should just get out. We should bring Peter Gassner. He's like a hundred times would have been me and vivas was twenty something billion and then how to products and he. He said look sales versus a great horizontal play I WanNa do Pharma and there. There is a legacy vendor in the space and it's big. It's a big space and all their deals are seven figure eight figure deals. But it's still. It's still a thirty billion dollar company and salesforce is one hundred fifty billion so I can't think of a vertical SAS that is bigger than its horizontal play but it may well it may well exist but thirty billion still outcomes. You're at three million dollar investment. Even if they are smaller by definition you know there's going to be enormous your general point about the client it's up it's becoming growing the high antigone larger piece of the overall. Everyone seems to be very hot. Verticals ask these days. So that's why I wanted to ask because they like it because the cloud got bigger and because competition is simpler the amount of domain expertise you have to do to build a viva is. It's rich compounds on itself and there aren't going to be twenty startups out of y Si. They're going to build that. But but and so there are these verticals because finally they realized they can be three hundred air business and then they can actually millionaire and they realized look it actually works. I can like I. Invested in in a SAS company just for environmental compliance called map history right. They disclosed their first. One million dollar deal okay. They have like no competition not in the whole space but in what they do they can have a few bumps and they can get through it. They have time they have times. There's not ten other players in the exact same thing. We've guys may disagree. But they had like one or two competitors and their original competitor was I think. Ms Dos based in offices. So you have time and so like this because you just. You're you're overwhelmed with the competition. You're overwhelmed with everyone. Wanted to take on snowflake and data dog and and there are many great apm companies. But it's exhausting. How do you know what's the next day doc?

Aaron Levy Salesforce Gartner Founder Jason Unicorns SAS Jason Lincoln Jason Zoster Techcrunch Dacians Prem Safra Jason Deport Sassan San Jose Adobe Microsoft Alex
test

Software Engineering Daily

00:50 sec | 5 months ago

test

"So if you think about somebody operating shop in store and you mentioned that example of somebody buys three if something. Isn't that information to taking care of on the back end by Wide what I have to build some custom workflow. That would need to be kicked off in response to an order for three pairs of socks. Yeah so the amount of these workflows that are just slightly unique per company isn't credible so that shop for example is kind of one type of thing. Imagine I'm working across multiple systems each with its own interesting quirk. It's almost inconceivable that all of systems will build every possible customization workflow and check box and whatever it is every possible company that wants to work a little bit differently or have some interesting competitive advantage the example of the bundled item. You're talking about as a marketing team. For a budding direct to consumer ECOMMERCE company is trying to innovate and do interesting new marketing techniques. To stand out. They're not gonNA WANNA wait till every shop afire releases whenever new feature to support their specific idea they decide. They just had a really interesting idea. They want to implement it. If you're a software engineer you just build that thing yourself right on the spot it would be some interesting growth test. You'd be tested and see how it works and then you go from there as marketing person. You really don't have the ability to do that so instead you do it really manual you doubt about just CSV files and you have you or an analyst on your team or somebody crunches all that. Data sends it off to be uploaded back into your inventory management system on the other side. And that's the way you deployed your Ab test. And I think interesting that that is surprising because to a non technical users one of those roles companies. That's just day to day life to get very interesting things done. They just have to do it the manual because they don't really have another way right so if I have a chef eyesight and let's say every day I want to run a system that will calculate the item that has been ordered the most. Let's say it's a pair of socks for example and I want to generate an email marketing campaign or a facebook ads campaign for that item. You know send an email to all of the customer email addresses. I have that says these socks are hot. Ten percent off of these socks if I have a programmer on my team that can build that they can wire together some. Api requests. They can wire together a python script and stuff and they can create that automated email marketing campaign but more often than not. I'm not gonNA have a programmer available. I have somebody who is like an operations expert and if they want to use parabola they can look problem and probably has a interface for dragging and dropping different integration points so you could conceivably take the shopper fi end point as a dragon drop item you could create maybe a male chimp drag and drop item on this interface and you could draw an Arrow between them connecting them and put any kind of logic on that Arrow that you would want to and you could create that via drag and drop interface instead of a code based interface which would open it up to visual programmers essentially absolutely and I think if you really start getting into this. What does it mean to program? Resume the code. That really is kind of. Api You just made internally for your company just depends on the abstraction level that you're thinking about so with Parabola all of those building blocks whether it's connecting to directly to an API and making an API request if you want to configure that whether that's working with one of our integrations we already provide to a male champion Shop fights were describing and all those transformed strenuous together kind of ends up looking like a lambda function. If you're an engineer you've now created a core piece of functionality. That's repeatable if somebody else who your team wants to open up that flow you just described it. Looks like a flow chart. It's kind of this tree of steps that are being taken to. It's kind of self documenting. Somebody else can say. Oh I see how this is working. Where first importing from these three sources and there were joining all that data together. We're looking at our list of customer emails. And they were choosing to send emails to the people who bought this item within the past sixty days but not within the past thirty days. And you're GONNA see all very visually and not only can that person who is not technical created but someone whether technical or not can understand immediately how it works audit that it's being done correctly and go in and make tweaks when we wanted three weeks later kind of change that test just a little bit. The example that I described is that a realistic examples that something somebody could build in Parabola. Oh Yeah we have people using almost literally that exact. We call our templates and kind of prebuilt examples recipes because a recipe for cooking. Something is something kind of most people are familiar. They kind of understands that. It's a suggestion of how you could go about doing something but if you tweak it a little maybe you could improve on it. Maybe there's something unique the you WanNa do differently more Salt Lake Salt Lake whatever so. We have recipes that we published increasing their users are publishing and those types of examples are some of the most popular recipes that people will create is. I'm doing an ECOMMERCE store and I want to run with those interesting marketing tests and send an email either about a top selling item or an item that we know that we just ordered a. We haven't yet kinda put on our site and we want to start pushing it because about extra inventory. We have some users who are doing some really interesting predictive like reordering inventory. Because THAT'S A. It's a pretty big problem for ECOMMERCE. Companies running on pretty thin margins is. You don't want to end up with a huge extra inventory for items that aren't selling and if you have a huge amount of skews that's very time consuming to understand how much inventory you have for each item and how quickly it selling out and you might have enough interesting quirks in your audience in your product in your overall operations that has to be a very highly customized process that someone who's familiar with the company is implementing so people build interesting flows around all types of that inventory management hobbies are most popular subset of use cases the E-COMMERCE e-commerce inventory management for you were describing. That was extremely spot on what you were just describing the integration point so if in that example if I wanNA connect to shop affi- on one end and connect to mail chimp on the other end. How well developed are the API's for Shop Affi- In mail chimp? And how seamless is it for you to provide connector interface? What does the end user have to do to plug into those connector interfaces? How painful is it? Yeah also for our most popular integrations keeping in mind that we are targeting kind of like an increasingly less technical audience. We have a first class integrations. That are just like a little button. That says authorized. I get my normal allow window. That has my shellfire username password. I have to type in or mail. Chimp User Pat Rafter type in just kind of users familiar with any tool to vegas. I'm immediately pulling my data into Parabola. We understand the object types in a more user friendly way than just normal end points rather than just my orders and point to my transactions point or whatever they have where kind of grouping together into something. That's a little bit more familiar for a user. Who's looking at the dashboard of one of those tools? And we make Netflix. Really easy for an immigration. That's may be less popular that we don't get support. We have a generic. Api connector that basically descends each DP requests. And it's pretty robust as well so you can again as not too technical user configure connecting to API handling the pagination requests which we do pretty intelligently doing various kinds of authentication whether that's fair token authentication or OLAF authentication Connects to a lot of types of things and enable someone who maybe it is a little bit you know willing to read an Api doc but certainly not a developer to call API using API and kind of get access to I think frequently gets called like the API economy without having to write a line of code and those types of use cases. Get really interesting as well. When we see a lot of people packed into the same you are Elliott of course will kind of like WanNa make that a better experience for our users so they don't have to configure from scratch every single time? But we've seen I think we're into the multiple thousands of kind of services that we've seen people connect with that. Api connector which is pretty cool. I think people get quite excited about have heard about these things. I know they have a lot of interesting data. I Know My Company. Maybe put much time into creating public. Api But as a non engineer. I've never been able to really experience that means because not only is a difficult to send in each arrested making. Api call but even if you have figured out how to do that like with curl or something. How do you then work with the resulting data so proud? Oh it makes it really easy to connect those. Api as we pull it in converted into a nice kind of tabular rows and columns of data like you would see an excel. I make it easy for somebody to start working with. Api for the first time it's very hard to introduce New Paradigm. Like what you're trying to do. I mean there's a number of companies that are attempting to re imagine how workflow automation ORCS are. Well I guess introduced workflow automation in the first place. Because I think this really is that the replacement for the spreadsheet based manual task. I mean there have been attempts at this kind of thing over the years minor changes that nothing has really stuck as much as spreadsheets and manual processes. But you see newer things like whether it's know Zappia or Monday dot com or air table. Retool all these different things are trying to change the paradigm but I see it is incredibly hard to change the inertia because they're so much a nurse show around look just need to get this done today. I've got a million things to do. I would rather just stick to my spreadsheet workflow. I'm not going to adopt a new tool. It's impossible for me to have time to do that. How do you convince people to try? The different paradigms introducing the I think that's absolutely the case and I think that's probably the main reason why accelerated well she it's essentially the same. Herod. I'm has been the most popular way for all non engineers to do work for the best thirty or forty years. I think there's a few as the first part is there? Are Those Group of people that we were calling. Productivity optimize irs who are predisposed to want to love They're seeing people you know who.

Engineer Programmer Facebook Salt Lake Salt Lake Software Engineer Pat Rafter Analyst Netflix Herod Developer
The Dudas Abides with The Block CEO Mike Dudas

Messari's Unqualified Opinions

08:34 min | 5 months ago

The Dudas Abides with The Block CEO Mike Dudas

"Thanks excited to do that. Yeah we you and I met a couple years ago and was in the context of a telegram group and that was my Kenley. My first foray into the wires of will call. It's or Crypto will. Now it's crypto twitter's the word but you see all the social media it's a Sort of a wild environment and it was eye opening for me to jump from traditional tack and business and Fintech into the system. It's two years later from when I originally met you. I feel about twice as old twice as have have no kidding. So so it's been a while couple of years but to your question so entered the space to fulltime as described right when things were rushing up an Krisha knowing But I've been bitcoin owner since two thousand thirteen fall. Hackers out there. You're welcome like Ryan. I enjoyed talking about you. Know all of my security issues publicly and that's why you'll also the thing that drew me to Bitcoin I've Yolk in two thousand ten joined Google's while at team and spent four years in that team does a decade too early to mobile payments in America in have been early on a number things was early at Bimbo which was acquired by Braintree P payments and before that I worked on my music in the late arts so that was a decade later but Juli after working infantile juvenile equitable for years out working braintree in meeting with the Queen based team to talk about bitcoin payments and two thousand thirteen and really being a little bit disillusioned. And I think we're still seeing this. Continue today with every Cinta company out there seemingly having the aspiration perhaps other than Stripe Square and Shop Affi- which is sort of Fintech e adjacent to sell to big bank or financial institution your I wanted to actually work on. What would hopefully be disrupting financial institutions in the way that we describe them and you know the regulated by the US government and other governments over the next few decades And discovering bitcoin in two thousand thirteen participating and being on the outskirts but seeing it from a formal industry perspective. You got me excited about the potential slightly aware of the risks the personalities the complexity. And then when I decided to jump in full-time Holy Shit. It was like awesome terrifying confusing and just a trigger for all of my good bad side as well as seemingly everybody else who is participating and I probably monologues provide house all stop here but looking at this confusing volatile space. At a time when it was you know growing seemingly exponentially was was simultaneously amazing scary and and just saw like I think what you saw around. I mean you've you've been full time for a long time but A darth of reliable real credible information that led people to do really stupid things and inaccurate. Gets us to the core of what the block is. I I don't WanNa go out on a limb and describe the block because I know that you're just gonNa correct me with some ostentatious vision and my best not everything of everything that That the two more people look at the block. They see a a media outlet. That's competing with coin desk. I think you yourself has Have have been vocal about winning business away from Clinton to ask and in growing the audience. You've obviously got a very strong team of researchers that are on percents On on twitter in a good way a lot a lot of the content has been exceptional. What's how do you describe the block? And and where are we now in terms of its evolution? Because I'll have Frank Frank Reich went for a run which typically twelve minute pace half walkout by their which is bad news. So maybe you can think about the block in terms of caricatures. Franken the media elements and then there folks being the research but how does how does this business align with your original vision to improve information in the industry? And and where do you think you are now versus where you want to be? So the original tagline was crypto simplified. While we strive to do that I. It doesn't describe you know what what we do in its entirety. We've expanded that into the first and final word and digital assets and what that means really as you were not just simplifying things so you can understand them. But we'd like to be the first place you look to figure out what the heck's going on this space and we define the space pretty broadly so it's not just covering public blockchain's and cryptocurrencies than I just covering bitcoin Theorem Ripples and Be Gash Etcetera. It's covering central. Bank digital currencies is covering distributed ledger technology and stuff that is adjacent. So companies that are using technology and governments that are thinking about money in new ways The original idea and concept was again crypto simplified and it was hatched time when there was a lot more momentum behind. Lucia say everyday people's interest in learning more and going really deep in the technology What happened? Is you in two thousand eighteen as we started to form the brand and launched the brand. We realized we had incredible talent Stephen Frank Larry editorial talent that was super experienced had experience in various aspects of currency and blockchain Inventec analysis research and so we launched you. Know Not really a crypto. Simplify brand one. That had insider knowledge people gravitated towards our all of our contact with free in two thousand eighteen and that was the original vision for the business was young in two thousand eighteen. Hundreds of millions of people will be interested in this You know imminent revolution. That's happening today. What has clearly happened as everybody took a deep breath. Certainly we did and said Hey. This is going to be a multi year multi decade evolution with a incredible things happening up stones and everything in between just like I think a lot of technology and a lot of you know financial markets over yet throughout history. So where we've come out is. We are focused on instead of blockchain. One one Call it somewhere between Crypto blockchain to one and above. And it's enough that if you're if you're somebody who's aware of what's going on you can kind of start with our news and journalism that's our top of funnel that's where most people are aware of the block the news and journalism brand. And then you we will through as you mentioned our social counts and through our personal accounts. We you know. Basically tighten the funnel and connect to the folks who are actually participating fully in the market. And then we sell solutions as including research information. We'll talk more about where we're headed with. That

Twitter Frank Frank Reich Fintech Us Government Google Stephen Frank Larry Ryan Cinta Company Stripe Square Franken Braintree P Clinton Shop Affi Juli Lucia America
Shopify stock soars after giving upbeat guidance

MarketFoolery

02:17 min | 6 months ago

Shopify stock soars after giving upbeat guidance

"Begin with the red hot stock it shop affi- shares up big around twelve percent of the time of our taping on better than unexpected earnings and upbeat guidance. Now Emily shop if I may not be a household name for a lot of people. It's an e commerce platform kind of a behind the scenes business that helps other websites operate in really allowing them to build out their online presence and it has been a great stock. What do you think of the latest earnings? Well if it's not on investors radars just because you're not familiar with the name it definitely should be. It's one of the best performing stocks over the past year. When you opened up that read talking about magic? My my mind immediately went to shop is share price Shop Affi- is a company. That has really kind of proven themselves and seems to have no cooper limit that had another blowout quarter this year. That's after the stock is up. Something like seventy percent since November before this quarter So revenue grew nearly fifty eight percent year over year Which is supported by both the number of merchants that are selling on shop platform as well as an increase in the merchants that are using what they call merchant agent solutions so chiappa fight isn't just a platform for these more merchants? They also provide a lot of ancillary services. That's things like two days. Shipping payment processing and fulfillment makes the whole process. Really simple for merchants. Okay I hear you on all that and it sounds interesting but I look at the stock chart and I go back four years. It's trading around twenty bucks a share today trading over five hundred dollars a share so if I'm a shareholder should I start thinking thinking about you know trimming my position of it and if I'm not a shareholder is it too late. Yeah I have to admit this is one that I have struggled with as an investor. I don't like to keep I. I don't like price to keep me out of what I know is a great company. That has a really strong future and my opinion shop. A Fi is very clearly that company at the same point. It's hard to. It's sustaining itself at these levels Over the short term. At least I think if you're a long term investor if you have that time shouldn't worry too much about the valuation but I could see them being some short-term pressure Just because the shock the stock has had an outstanding but somewhat unwarranted run over the past six

Affi Emily
Cyber Weekend, Boeing's Big Month, Boomers and Billionaires

Squawk Pod

06:48 min | 8 months ago

Cyber Weekend, Boeing's Big Month, Boomers and Billionaires

"Good morning. Welcome to Squawk box here on. CNBC we are live from the Nasdaq market site in Times Square. I'm becky quick. Along with Joe Kernan. Andrew is off today. But we've got Tom Farley. He's the CEO of far point acquisition group. He's he's also former president of the NYSE and of course CNBC contributor and Thomas. Great to see you good morning. Thanks for being here today. Arrested after the holiday we can ready to go get another all time. Record the stock markets today the first trading day of the month of December November was a very strong month for stocks even though he did see some declines on on Friday on black. Friday you're looking at the best returns. We saw Since June for all the major averages also last week again you did see some big gains to right now. The Dow and the Nasdaq are still less than one. The two percent of their intraday highs With these today you're going to see them challenge in that as Tom mentioned although I also remember last the first the first trading day of December last year So much fun I still. There's still some some nightmares about with scars for leftover from that first up today. The holiday shopping season is in full swing online spending on black Friday. The day after Thanksgiving hit a record five point four billion dollars according to initial reports from eighty of the top one hundred. US online retailers will. The spend trend continued today. Here's Joe Kernan with CNBC retail reporter. Courtney Reagan joining Squawk box from Pat Walmart fulfillment center in Pennsylvania. Cyber Monday courtney a year at a wall they ask you to to push anything around and grab some stuff. The shelves yet you're in Bethlehem fulfillment center. I don't I don't think I can I. It looks it. Looks like everything behind me is very random but it's done like very purposefully You'll see cat food next to a frozen toy and that's done on purpose. I'm not allowed to touch anything because I'M GONNA screw up the system but this is just one of Walmart six film I'm at campuses around the country. That's going to be fulfilling those online orders today on this cyber Monday and also potentially some of those orders from over the weekend. They're still coming in today. The National Retail Federation things sixty nine million Americans will shop. Even though we set records on Thanksgiving and on Black Friday online today is also expected to be a record day online with sales up about nineteen percent hitting nine point. Four billion dollars if that happens here in this country will be the biggest day of the year and also the biggest day ever in the United States for online shopping but just like black Friday. The timing has sort of shifted here for cyber Monday so remember and the older days. We didn't necessarily surly have high speed Internet at home or a computer that had access to it new shopped. Once you've got to work for cyber Monday so the peaks were in the morning or maybe even midday around lunch not anymore more today the peak is expected for cyber Monday peak volume to happen much later tonight between seven and eleven. PM Pacific Time so that is a big the difference that has been happening over the years to even with the online shopping now. Deliver is a company that helps third party merchants fulfil their order so they work with Virgin Walmart Walmart Dot COM ebay shop affi- they said on black Friday that their average daily volume was up three point seven times compared to a normal recent Friday and that was higher than last black Friday when their volume was three times as heavy. So we'll see if that continues for even the third party merchants on some of these platforms here today in store getting some preliminary results shop. RETRACT SAYS THANKSGIVING TRAFFIC IN STORE was up about two percent but that black Friday in store traffic was down about route six percent. So that evens out to about down three percent over those two days at least the preliminary numbers are showing like we said record online. So far still shaping up to to be a strong season and we've got a big day at Corny thank you. It's great to see you and we'll check in later. Thanks for joining us right now to talk more about cyber Monday and holiday shopping weekend went as Dana Tells Z.. She's the CEO of Chelsea Advisory Group and Dana. What did you think I thought it went pretty? Well I mean obviously there was a poll forward because you have some of these companies starting their promotions earlier Right after Halloween Walmart did it right after Halloween. And you saw a lot of others like that too and now it's even considered a five day weekend not just a two day weekend or a three day weekend and you still have a long way to go so it's an on-track weekend so far black Friday companies opening it at on Thanksgiving Day opening at five pm to one I am then. They're coming back on Black Friday. It was slow Friday morning it picked up in the afternoon. Luckily this weather on the north in the northeast didn't happen till yesterday because we needed Saturday. Also although a lot of the country did get hit over the weekend that affect places like Minnesota or some of the other great plain states yes accepted you had some of the West Coast also. So you're going to see some of that impact. They can order online too. And what you mentioned about the stores before I mean fulfilling orders is part of it. We're seeing zing stores. reimagined how they're configured and they're going to right size in terms of the way they are. Human Rights is down the size of the store. Yeah the size of the store may not. How much is it going to be fulfillment foment? How much is going to be for showing goods? It's all going to look different in a couple of years. Just like the patterns of shopping or different today. Who are the big winners? Would you say at this point. In the holiday holiday season best buy big winner Walmart and target big winner. It was all the big box players. I think the department store is still a little bit slower than the total sales for today are expected to be around about nine billion ten million. I mean when you compare that to Alibaba singles day. It's it's really a drop in the bucket right so where does assists and is this. Just keep going here in the US. More and more online sales as retail just collapsed for these types of goods to to effectively nothing so maybe excluding excluding luxury excluding jewelry excluding high fashion convenience and ease matter but there is something to be said for tradition walking through the stores and the experience of it. There's the reason why well some of it but there's a reason why you definitely see what he's doing this with their kids together with families it's an entertainment and sport also also have something like it right sex pence what fragrance you like. They're all mixed together in Cali Hustle Oakland Bustle and make not at the makeup by by people. That for you for you. Free USA Lisa talking about makeup with With your buddies weird I don't really I don't know if you've got some on day even though so you know I would argue that. Come in here uncomfortable. A little bit better. Never Show your tells like that. That now relegated. You're so our makeup

Walmart Cnbc United States Joe Kernan Tom Farley CEO Pat Walmart National Retail Federation Becky Times Square Andrew Cali Courtney Reagan
The Dos and Donts of Comparison Pages

The $100 MBA Show

09:45 min | 10 months ago

The Dos and Donts of Comparison Pages

"Support for today's show comes from fizzle. Let's be honest entrepreneurship can be lonely when you're working hard grinding away to make your business a reality it can get mentally eh emotionally draining passing yourself things like am I doing the right things is my product or business idea a good one does my website communicate the value I offer I wish somebody can look over it get the support you need when you're starting and growing your business with fizzle fizzle can help you earn a living doing something you love they do this with training tools coaching community and they're famous roadmap it's great how do I know well I've been a fiddler for over six years now join me and sins of other entrepreneurs Giddy free fourteen day trial and support the show by GonNa fizzle dot co Slash Omar again to get started with a fourteen in day free trial go F- is e. l. e. dot co slash oem a are compared the pages what are the do's and don'ts let's start with why are you creating these pages what's the purpose here many people miss the this point and this is where they go wrong the point of comparison pages are not to make you look like you're the market leader in your dominant and everybody sucks no because that just simply not true it's very hard to have that kind of binary relationship in the marketplace and it's just not believable what you're trying to do here these there's an pages is speak to your target audience you want to weed out the people that are not rifle you and you want to talk directly to those who are dr who are looking for your unique selling proposition and what you offer versus the competition it's so rare to find any product in any marketplace that's just head and shoulders with no doubt no brainer better than everybody else a lot of preference whether it's an iphone versus is an android phone whether it's a cadillac versus a Mercedes you might think you know Mercedes of course is better but I can find you somebody says the exact same thing about cats black so the plans that comparison pages here is not too bad mouth and to trash or competition it's the highlight your differences your unique selling proposition and that leads me to start with the don'ts and don't number one is do not bad mouth your competition there are so many comparison pages out there that do this there are downright Esi and I've come across some of them that can really get into some trouble I'm talking about making some claims that are not true and getting into some legal troubles some of them are very sneaky and they don't even state facts but they say questions like is this product reliable. I don't know the jury's still out that's suggesting that it's not reliable you know this is suggesting that your competition this other product is not a quality product that's not cool and I'll tell you why it doesn't work why you shouldn't do number one you should not ever do that to your competition because you've heard the saying be close to your friends but closer to your enemies while they're not your enemy sodas speak because they share the marketplace with you one day they may want to acquire you one day you may want to acquire them so drawing blood in this battle is not a good idea number two the reason why it doesn't work and it's just bad for your business is that I find it very offensive when I see a comparison page at totally trashes the competition and just as nasty and is making claims that they can't back up is a total turn off and I don't respect the company anymore I actually leave the website and say you know what if that's how they treat other people in their even their competition I'm not sure I want to do business with this company I'm not sure I wanNA give them my money there's something wrong with their culture the second don't is you don't highlight any positives about your competition a lot of people that just say we'd you all this and the competition does not do this the only highly of the things that they do that the competition doesn't do but they don't talk about the competition does do and the reason why this is a big don't is because it's just not believable it's just not believable when you have let's say a comparison char and your side of the Char has all these green check marks and they have all read exes when you're just highlighting things are going to give you a green check mark and the competition red x it can go both ways the competition can do the same thing and flip the script on you instead of being so binary be honest and give credit where credit's due for example with our software webinar initial comparison age with zoom we pray zoom for being a great meeting software and if you WANNA run meetings one on ones we actually recommend them that's their superstar breath but when it comes to one too many or few too many running a Webinar and you need marketing and registration pages in email marketing built in this is where we're better this is where you want to choose us the potential customers are GonNa see then say that's fair that makes sense and I trust this company more because they're being fair so highlighting any of the positives of your competition is a bad idea or don't is third party negative what I mean by that well maybe you won't say something negative your competition but if you insert something from a customer let's say a testimonial that says ah I love product X. I used to use this product and it was absolute crap even though it's a real testimony Lou even though it may be factual have some class don't do that to your competition I am sure you've had customers that had a bad experience in their opinion were you dropped the ball by mistake could've been customer service it could have been a glitch could have been didn't get their package on time something were customers are satisfied a happens to all of us the best of us how would you feel if that customer and their story of how things went wrong in your business was on your competitions website not cool last don't is tit for tat a lot of people say hey my competition is nasty they're bad mouthing left and right they're doing this and that they're saying untrue things I totally can relate to that but it doesn't mean that you have to stoop down to that level like Michelle Obama when they go low ugo hi you have a culture you have a standard and you will resonate with those that have the same standard and culture now the dues are obviously the opposite you want to be honest you want to be Fair WanNa show your unique selling proposition and without trashing your competition and a good way to kind of gauge if you're doing this right if you showed your comparison page to your competition to the CEO uh of that company do you think they would say this is absolutely horrible I'm suing you this is ridiculous or do you think they're going to say you know what that hurts but fair enough you're not saying something that I can disagree with so I want to give you some examples of some really good comparison just so you can see what I'm talking about the first example is web flow I talked about web flow in an earlier episode. This is a up and coming website builder website design type of tool and they have competition like square space and wordpress and shop affi- they're in a market that super crowded but if you check out their website or you can just Google web flow versus wordpress or web flow versus squarespace look at their page it's light hearted it's transparent it's honest this is on web flows comparison page for squarespace this on their site web flow site is saying this thus squarespace squarespace template approach makes it easy for anyone to have an manager website that's what they're saying about squarespace it it's true it's positive why would they put that on their site because what are they comparing it to the himselves what do they do that's different from squarespace they're not template based they allow you to customize anything and their designer friendly so if you're a designer and you like things to be a particular way you don't work in the confines of a template you're going to resonate with with Flo hey I like what full better because that's what I want cool templates are cool and everything but that's not for me good for you not for me and that's a great way to create a comparison page

Squarespace Mercedes Omar Google FLO One Day Fourteen Day Six Years
Witches & Saints: Helena Blavatsky

Encyclopedia Womannica

04:22 min | 10 months ago

Witches & Saints: Helena Blavatsky

"Russian German family at the age of Seventeen Helena married a Russian military officer her and Provincial Vice Governor named Nicky four Bobowski. They separated after just a few months and when her marriage fell apart Helena became interested in spiritualism Eliza him a cultism an esoteric in eastern philosophies spiritualism refers to the belief in communication with the dead particularly through mediums mediums and cultism refers to belief in the power and influence of the supernatural both spiritualism and to cultism were particularly really popular during this era and would become even more so over the next century many historians attribute interest in this movement to the clash between enlightenment at science and traditional religious beliefs people were looking for a new spiritual paradigm that encompassed and reconciled both the scientific revolution. Shen and the spiritual realm for the next few decades of her life. Helena claimed to have traveled throughout Asia and Europe searching for religious in philosophical awful truth's. She said she spent several years in India and Tibet studying with Hindi and Buddhist Gurus in eighteen seventy three. Eh Helena arrived in New York City there she met a man named Henry Steel. All caught who shared her spiritual and intellectual interests two years later the pair along with several others founded the Thea- Sahfiqul Society Helen describe the affi as the synthesis emphasis of science religion and philosophy. She said the Osophy revived ancient wisdom beneath all religions around the same time. Helena traveled to Chinden Vermont. It was the height of time known as the epidemic of wraps people all over were taking part in seances is with self-described mediums and spiritualists and believe that spirits were making rapping noises on tables and walls in an attempt to communicate when one reporter wrote that the noise got louder and more frequent wants Helen. I got town. Her celebrity was solidified eighteen seventy seven then Helena published her first book entitled Isis Unveiled Highlighting the importance of mystical experiences and laying out the basic elements of her thea Sophocles a belief system despite the book gaining attention the Thea- Sophal Society was losing members in the US so two years later in eighteen seventy eighty nine Helena and Henry Ohl Kat moved to India and established a theological society headquarters there they started a society journal earn all and gained a significant following in the country. Helena faced rebuke from around the world at various points in her life including from her Indian followers she was often accused of faking spiritualist activities an investigation done by the London Society for psychical research found that she there's a fraud in eighteen eighty five though a century later those findings were reevaluated by the same organization and found to be unjust not long after that eighteen eighty five judgment Helena left India she moved to Germany than Belgium and then London she wrote three more books about her beliefs called the voice of silence the secret doctrine and key to the Sophy Helena died in in London in eighteen ninety one despite the fact that many described Helena Charlatan she had a significant impact on the introduction and advent end of alternative religions philosophies in the West she helped to turn Europeans and Americans toward Asia for spiritual inspiration during a time when traditional Christian beliefs were facing new challenges Holland up levesque's influence was just the beginning of a spiritual movement that still evident today eh as Westerners continued to turn eastward for spiritual inspiration and practice her influence is also heavily felt and what we now call the New Age Movement Mint Tune in tomorrow for the story of another remarkable historical woman

Seventeen Helena Helena Charlatan Thea- Sahfiqul Society Helen Sophy Helena Thea- Sophal Society India Asia London Society For Psychical R Henry Ohl Kat Nicky Shen Officer Sophocles London United States Osophy New York City Seances Henry Steel Chinden Vermont
Lucky Stripe: Silicon Valley Fintech Startup Zooms to $35B in Value

Business Wars Daily

05:34 min | 11 months ago

Lucky Stripe: Silicon Valley Fintech Startup Zooms to $35B in Value

"This episode of Business Wars daily is brought to you by sent pro online from pitney bowes shipping and mailing from your desk is never been simpler than with sent pro online from Pitney Leabeau's. Try It free for thirty days and get a free ten pounds scale when you visit. PBA DOT com slash B W daily the from wondering I'm David Brown and this is business wars daily happy Monday everyone. It may be the biggest his tech startup. You've never heard of unless you own your own business that is stripe and online payment service and outs last Thursday that it is now worth more than thirty five five billion dollars that's according to valuations by investors who just poured another two hundred fifty million into the company which helps small businesses accept payments over the Internet funding boosted stripes valuation by twelve billion dollars making it the third most valuable startup in the US according to Bloomberg that news outlet says only the we the company owner of we work and jewel the vape company are worth more and unlike those two companies stripe doesn't appear to be financially troubled as the week company is or struggling with controversy like jewel but if you're not familiar with this giant company well that's reasonable stripe handles back in payment systems for businesses ranging from tiny one person startups to mammoth businesses like airbnb lift facebook and shop affi- and its CEO and president the young brothers Patrick and John Collison in who founded the company have operated quietly without the flash of more well known Silicon Valley UNICORNS becomes roots sound like they were made for Silicon Valley origin origin story the Carlson's hail from drama near an Irish village with a population of one hundred and two while still in high school patrick and John moved to the US in founded business that managed transactions on Ebay then they sold it for five million dollars at ages nineteen and seventeen and each had brief stints at College John at Harvard and Patrick at Mit but the entrepreneurial bug had taken hold and two years later in two thousand ten. They founded stripe the point of their start up to take the pain out of what was then a clunky complicated task for businesses and shoppers alike. It took off quickly. Mostly by word of Mouth College soon went by the wayside. One of their first funders was Peter Thiel. One of pay pal founders fast forward to today and stripe not only helps businesses process payments. It's expanding into other areas areas of finance last week announced a new lending arm called Stripe capital and stripe corporate credit card strike plans to use its new funding mm to continue expanding geographically. It has its ion eight new countries at its heart though the brothers want to enable new businesses to get off the ground by streamlining payments. Amos no matter where their customers are despite its fairytale like origin story stripe isn't without competition far from it. Its closest. Rival is square now. That's the company that offers those little square devices that lets you take credit card payments from your mobile device twitter founder. Jack Dorsey Co founded square both businesses now process hundreds of millions of transactions both companies forgo the monthly processing fees that banks charge businesses in charge flat rate fees instead and squares been making business loans for five years and boasts that it has lent more than five billion dollars so far still as of last Thursday stripe is now worth ten billion dollars more than square according to the New York Times back when Patrick can John Collison were still teenagers messing around trying to find their next business idea they found that the hardest thing about starting a new company was figuring out how to get paid paid. They seized on that problem as the right one to solve but today they say that less than eight percent of all commerce happens online so as big as they are and as big as their rivals square us to one thing seems certain when it comes to the growth of financial technology her you you ain't seen nothing yet from around wondering business worst do a quick favor and tell us more batch yourself visit one three dot com slash survey. We'd love learning more about I'm I'm David Brown. Thanks for listening and we'll be back. This episode is brought to you by send pro online from Pitney Bowes Shipping and mailing from your desk has has never been simpler than with San pro online from Pitney bowes with simple online is just click sand and save for as low as four dollars ninety nine cents. That's right at four dollars and ninety nine cents a month. Send envelopes flats packages right from your PC and you are back to business in no time. Try It for free for thirty days and get a free ten pounds scale but only when you visit P B dot com slash B._w. Daily that's P._B. Dot Com slash B W daily.

John Collison Pitney Bowes Stripe Capital Patrick Pitney Leabeau Pitney Bowes Shipping David Brown United States Peter Thiel Bloomberg Silicon Valley Mouth College New York Times Carlson Ebay Harvard Amos Twitter
2 Stocks Profiting from Rewards Programs

MarketFoolery

09:13 min | 1 year ago

2 Stocks Profiting from Rewards Programs

"Is there a publicly traded company that helps these retailers manage their rewards programs of often wondered about this but I don't have any idea where to start the research. Well you came to the right place Mike. What about this because he's right? We often talk last week on Monday. Full money we were talking about retailers and restaurant companies <hes> frequently the rewards program comes up there awards program is vital actually for the performance of a lot of great companies and as such many companies manage their own <hes> there are smaller non publicly traded companies that may help with awards program but there are actually two really big companies <hes> publicly traded companies that are really really doing well in the business of helping companies manage their awards programs. The first one I think is probably a company everybody knows but doesn't realize that they work in this space and that's shop affi- <hes> so shop affi- While obviously helping small businesses businesses with their e commerce presence there payment solutions they actually have really robust loyalty pro program management as well so a lot of these small businesses so if you're going online near buying something directly from a a producer of their product and you get loyalty email from them or sign up for some sort of program that is more than likely managed by shop affi- and it's been one of the more lucrative aspects of their business but also another company and my personal. Personal favourite though it doesn't get much love round here is actually a company called Stone Co.. I'd stickers S. T. E. and it's a Brazilian payment processor and they actually acquired a company called collect and they have a really innovative way of managing rewards programs what they do is they actually track credit cards so when you go into one of their retail outlets and you pay with a credit card on a stone co machine machine what it does it gets your name it gets your information and then it tracks how often you go oh. They're so. Let's say you go to a coffee store on your way to work three times a week. They'll track that you pay it the same card you buy the same coffee and then you know one week. I'm not really feeling coffee. You keep skipping what they'll do. Is they'll send you an email and say hey ten percents off your next purchase to reinstate advise you to start going back to that. You know probably bad habit of getting coffee three times a week bad. What are you talking about? One of the healthiest things you can do but I tell myself to. Although if you see how how much sugar and milk I put my coffee probably saying the opposite fair but the point being that there are lots of companies that are operating into space. I do think Stone Cohen shop a Fi are two of my favorites and they're kind of under the radar when you look at their loyalty program <hes> support court systems well and Mike Get something that we've talked about this with restaurants before where it seems like restaurants are now at the point where if you're thinking about investing in a restaurant one of the questions on your checklist should Eh. What is their delivery strategy? Do they have one. What is it? How well is it working et CETERA? I think Mike's Question gets at something that you know sort of cousin of that. which is if you're investing in a retailer? What is their rewards program? Do they have one. You know we we were talking before we started recording as speaking of coffee as a longtime starbuck shareholder in general. I'm obviously thrilled with how the business has been run for the last twenty years but for for a good stretch of time and we talked a little bit about this on Motley fool money the other day for good stretch of time there rewards program was bizarrely to me an a massive underperformer when I when you consider how big the company is how successful they the ban it is one of those habit forming things and so the fact that they were trailing so many different retailers and businesses in terms of the number of people. We've gotten this rewards program just said to me boy. They're doing this wrong that there. It seems like under. Kevin Johnson they're starting to get that right and it's a Predator member of that. Not all awards programs or loyalty programs were made the same so while it's true that starbucks really didn't make a concerted effort to robust improve their their rewards the program ultimately the quality of the people they have in their program is very different than allow the retards that they were being compared to so even if you look at D._S._W.. Or Lululemon are Victoria secret for instance. All of these companies are look loyalty programs that people just put their emails in when they purchase an item right that doesn't necessarily mean that you've made the decision to become an active part of their loyalty community and the vast majority of these people are just getting these emails that are being sent to spam and not engaging with them at all starbucks was completely different. You know when you order to drink at starbucks. They didn't ask you for your phone number or your email address the way they do at other retailers so it's unfair look at starbucks were royal loyalty program and compare it in terms of numbers to another companies that being said it was clear that they they need to do something to improve the number of people they do have in it because there's a lot of optionality there and I think over the past couple of quarters they've shown that they have been making strides and getting members into their program but it's important to remember that not all rewards programs are the same question from Erik Nord said you're right. I was wondering how y'all go about researching companies management. I understand certain cash flow metrics can be used to see how they are reinvesting paying down debt or paying dividends but other than that. Is there a certain website or some other resource to analyze management within a company <hes> great question because at the end of the day it's actual human beings running these businesses thousand exactly what I was going to say the best resources for analyzing manage it is actually actually yourself <hes> so you can always use metrics like the ones you mentioned but when push comes to shop I think we are the best judge of character as humans and when you're investing in a company you should be considering it like you're giving your money over to management because and essentially you really are. You're giving your money to accompany to allow management to spend it as they see fit so when you look at it that way the question actually becomes a little different. It's not about analysing management within a company on a general level. It's actually about evaluating tweeting their decision making skills their capital allocation skills so do you trust them to make the right decision with your money and and that's where things get personal because a lot of investors around here tend to think okay well. Insider ownership is a big you. A catalyst for that right management's likely to make decisions with capital that benefits themselves so they own a lot of shares. They're likely to make decisions that will improve shareholder returns while I like to see that our ownership. I don't like to depend on that kind of selfishness right to determine whether or not I'm going to get my money over so I WANNA see management actually simply not caring at all about the stock price. That's meaningful to me because I want to see that they're more focused about important things leading the company building a good company <hes> they built a good company. The stock price follows. It's not the other way around so I think a good example of management. That's really kind of exemplified. This is bringing up shop if I again but to buy his luquet so he's said numerous times despite the fact that he's a seven percent shareholder moroder he doesn't concern himself with stock price at all. He doesn't spend any time thinking about the only thing he's focused on is that customer experience at the small business experience on his platform so I trust somebody like that to manage my money. <hes> so I think push comes to shove to get make a long doc story shorts really use your personal judgment. Listen to them how they speak on earnings calls listen to their strategic planning moving forward and think do I trust this person to do what's best with my money. What other resource I'll just mentioned is youtube? I always find it instructive to see what does this person look like. What are they sound like particularly when they are in an interview setting whether it's clips of them on C._N._B._C. Your Bloomberg or on stage in front of a live audience I think you do you get a good sense of what they're like summer more polished than others and by the way that you know that can cut both ways I mean some CEOS can be polished to the point of being slick and not in a good way but you mentioned the earnings calls? I think it's always interesting to see who you know are they on the call and if so who else is on the call. Are they deferring to people. What sort of management team do they have around them because everybody has weaknesses and the great CEOS not only recognize what their weaknesses are but they build systems and teams around them to compensate for it? Oh I love that. Humans can pick up on aspects of whether it be conversations. Ends answers that numbers simply don't get and I will just add <hes> you know you kind of mentioned dividends share buybacks there when it comes on capital allocation if the best thing management can do is issue dividends or buyback shares you should be thinking to yourself okay what does management doing for me that no other company can do because anybody can take your money and then turn it around and buy back shares or issue dividends You WanNa see somebody who's giving some value back to US couldn't agree more listen to them. Get a sense of who they are as a person and then ultimately determine whether or not you trust them and how they spend their money

Starbucks Mike Stone Co Producer United States Lululemon Stone Cohen Bloomberg Youtube Motley Kevin Johnson Victoria Erik Nord Seven Percent Twenty Years One Week Milk
Who is Boris Johnson?

Monocle 24: The Foreign Desk

07:18 min | 1 year ago

Who is Boris Johnson?

"A major I will all democracy and nuclear armed superpower is to be led by a shambling tousled blond with a complicated relationship with his ex wives and the truth who made his name principally as a professional media buffoon and has demonstrated a persistent willingness to pander to the worst instincts of his party and his country if he thinks it will serve his animating purpose on E. himself. What could possibly go wrong? We have a really good man is going to be the Prime Minister of the U._K.. Now for a Saxon is tough his spine <hes> <hes> this a Briton trump they call in Britain trump and people are saying. That's a good thing that they liked me over there. That's what they wanted. What they what they one one need? He'll get it done. Boris is good is going to do a good job comparisons. Between Boris Johnson and Donald Trump are as irresistible as cheap shots usually are and do not finish a complete picture difference which may prove crucial to Johnson's prospects is that while trump was elected by the American American People Johnson was chosen by the small Coterie of mad retired colonels and they're resentful wives who constitute the membership of the U._K.'s Conservative Party. I know that there will be people uh around the place will question the wisdom of your decision and they may even be some people here who still wonder what quite what they have done but let's begin with basic the younger affi while we re County C._v. of the United Kingdom's new prime minister for the benefit of Monaco twenty-four global audience our British listeners can according to inclination the put the kettle on all stalk purposefully into into the sea fully clothed never to be heard from again. And Johnson arrives in Downing Street via what looks like a diligent and studious ticking off of every milestone of a serene procession through the British Establishment Eaten Oxford The Times the Telegraph The Spectator Parliament the morality of London the Foreign and Commonwealth Office but there has been much more to it yet weirdly much less to it than that more to its in the as Johnson has stumbled and lurched from desirable job to coveted post he she has turned himself into a fondly indulged national figure known universally by his first name and address far too often as such by the British media among which he inevitably has many acquaintances. You've lied to the people of Lebanon your own Shit Stop. Can I call on you to throw that remote. I'm sorry I'm sorry I pull the giants to so you just pulled tight. I'm various and blessed to it in the Johnson has accomplished very little in any of those roles beyond the burnishing of the renown of Boris Johnson. He lost his first newspaper Job for inventing quote. Then made his name as a Brussels correspondent by filing absurd FIBS about the E._U.. He Left City Hall with a legacy of uncomfortable buses and unusable water cannon and a huge bill for a bridge that never got built his stint as foreign secretary is widely recalled with both gratitude and incredulity that he didn't inadvertently get Britain into a war with Finland and we know the mantra of the campaign that has just gone by Casey forgotten it. I was going to come to deliver brexit unite the country and defeat Jeremy Corbyn Not GonNa do the question now faces Johnson and the United Kingdom and NATO and the E._U. is whether he will or indeed can for the first time in his enraging Lee consequence free life rise to the office he inhabits. It is no secret how Johnson Johnson sees himself his two thousand fourteen book the Churchill factor was a none too thinly disguised attempts to encourage readers to perceive similarities between Johnson and his subject Churchill also being a former. Journalists of willful personal habits who overcame successive setbacks to rescue his nation at a moment of grave peril the difficulty well one of the difficulties with this analysis is that Churchill didn't invade Poland himself whereas brexit Johnson's looming nemesis is significantly a crisis of Johnson's own orchestration many of the underpinning folk myths of the Brexit Movement the straightened bananas the banishing of prone cocktail cocktail crisps were created or amplified by Johnson during his time reporting on the E._U.. If the fate of a nation didn't rest on the spectacle of Johnson being consumed by the beastie unleashed would be quite satisfying viewing doing. I'm afraid that in the there is such a rich thesaurus now of things that I've said that to being <hes> one way or another through what Alchemy I do not know somehow misconstrued that it would take me too long hi to engage in a food globally tillery of of apology to to all concerned. It is very difficult to imagine that this is not what now awaits him. Johnson has promised that by Hook or crook the U._k.. Will leave the E._U.. By the most recently. Leash scheduled departure date of October. Thirty First Johnson has urged his fellow citizens alone by invoking the spirit of the Apollo program which fifty years ago this month put the first men on the moon. A few of Johnson's fellow citizens have been sufficiently churlish to observe that Armstrong and Aldrin reached tranquility base after the cleverest people in their country had spent the thick end of a decade constructing a workable apparatus forgetting them their brexit. Thus far has been almost exclusively a cause of opinion hawkers slogan Breyer's and Opportunity Yahoos Johnson who fancies himself a man of destiny may find his allies as painful as his opponents. I think it would be a huge mistake. Damaging unnecessary and I think also dishonest I could not serve with Boris Johnson all of which is assuming Johnson even gets the chance he faces on helpful parliamentary arithmetic his party remains as divided and Cranky as ever and that is to say nothing of the catalyst of chaos that is brexit. It's very important moment for the Brexit and we look forward to hearing what the new prime minister.

Johnson Johnson Brexit Prime Minister United Kingdom Britain Boris Donald Trump Churchill Conservative Party Brussels City Hall American American People Jeremy Corbyn Breyer Lebanon Brexit Movement Finland Commonwealth Office Oxford The Times
"affi" Discussed on PhotoBiz Xposed

PhotoBiz Xposed

04:09 min | 1 year ago

"affi" Discussed on PhotoBiz Xposed

"Hey, it's Andrew how Michio from impact images and welcome to this episode of the podcast should be fine interview today. Particularly if you are shooting in genre of the dog Affi that isn't producing the carnival salts that you were hoping it would or could because that's exactly the position Gustavo found himself in after making the transition to corporate and event. Dogra Fay's things have totally turned around thinking to really enjoy these interview and what gets Dabo shares. And I know you'll be able to apply what he shares to your business. No matter what genre, you shoot as far as me and my week or my weekend is concerned, I was the guest with my lovely wife Linda at a wedding on the weekend, and I was not the photographer. I honestly cannot remember the last time that happened. And it was fantastic. It was too great go friends of ours. Danielle Laura, who tied the knot in Sydney on what had to be the coldest Saturday ever experienced. The wind was bitingly cold, but the light was just fantastic. Our in Centennial Park in Sydney, the light was filtering through these beautiful big trees that will back lit. It was. Yeah. It looked amazing. Could see the photographers were really enjoying the life and capturing what they were able to it was a, a no phones, or no photography wedding. So we were asked not to not to take any photos at all during the ceremony. And it was interesting hearing that as a tiger from being tall. We couldn't take photos, but it was really nice to see everyone just engaged in the moment in the ceremony and just enjoying what they saying. But I did notice quite if you people sneaking out there fines may include refiners, but it was very discreet. And it was nothing like I experienced at other weddings, also fun having a look at the other photographers. There were two stills photographers one video, I was certainly dressed warmer than most guests would was lucky for them. But it was it was fun watching them, work and do their thing. And I don't know if other guests. Appreciate just how hard photographers worked to get the shot and you know, I mean it's, it's full on isn't it for anyone? If you're listening, if you've shot a wedding, you know exactly what I'm talking about. I mean, it's we work hard than we, we, we work hard to get the photos to tell a story to capture those moments and to do it in a way, that looks amazing that's has our attic flair. And also captures the emotions of the couple of, but it was nice it was relaxing to be able to sit there and watch these guys work and enjoy the, the waiting. The ceremony and all the things that go with it, and it's funny to how every winning every event has unlivable peculiarities in this case, and in my experience, most of the time after the wedding or the wedding ceremony guests will hang around, and they'd be little chitchat, and you sort of have to get off to go to the reception for drink between the ceremony and the reception. But in this case. It was like all people dispersed pretty quickly, which was really lucky for the bride and Owen, particularly the, the broads was going to say, and particularly the photographers because he got to shoot in the most amazing light when I know that, if this was my wedding and that was a little bit warmer again. It'd be hanging around and not have to drag the couple of way to, to make the most of the beautiful life. It's a Laura and Daniel didn't have that onshore. They're gonna have some incredible photos as a result. One of the things I did notice at the reception when these guys are still shooting was just how many photos. How many frames though it's hiking, I was blown away and I don't know. I don't know if I'm out of the loop, or if I take a different approach to most telegraph, is I don't know if you should the same way, but these guys were shooting wasn't in motor drive, but they were taking three and four Frayn's every single frame that the native debut taken as far as I saw it anyway. I lift their camera to their I that compose. The shot and they'd take three or four frames every time..

Gustavo Danielle Laura Sydney Michio Dogra Fay Dabo Frayn Centennial Park Linda Owen Daniel
"affi" Discussed on Pet Life Radio

Pet Life Radio

02:02 min | 1 year ago

"affi" Discussed on Pet Life Radio

"So I think we have to really move so her away from that alas Affi. You know, why should you know, a person's best friend and family. Member be any less important because of the financial circumstance. It's absurd. And I will tell you right now when we have our food pantry every two weeks here at the city shelter at Philly. You know, people are lined up in a love their pets any less. They just need a little bit of assistance, because, you know, some folks are living on a fixed income, and I don't know about you Angela, but my bills have never gone down one year of my life. It never once. And you know that's the thing. It's like if you can provide that person the bag of food came the head in the home with your. She knows. I mean, it's a win win for everyone involved and went and can I give you another primary example of where this is so important. Listen, you and I probably have pets that have quirks. Right. I got the nastiest now I love her. She's old miserable. I just love her to bits but she's a jerk, you know, she's not the nicest cat nobody else really probably would want my cat. I love my cat. So this is a cat that if it came. Into a shelter. I can just about guarantee she's not going to have too many takers. Where's the best place for my nasty, rotten calico cat? It's with me, I'll give you another primary example. People's dogs bite they bite animals fight. And once there's a break in the skin, usually people are very quick to give up their animals, sometimes because they're just afraid they don't know what to do, but, you know, something, those fighting animals, if they can go home and be safely managed by their owners. Guess what? That's the rapporteur unity because we're not gonna have a heck of a lot of opportunities for those animals here. So to be able to help people keep their pets is perhaps, again. It's another pillar of having a no kill city and certainly with the no kill coalition. That was a key focus. We do currently have helped us, we do need more funding. Put that out there. We're looking for corporate sponsors for that, that funding for that position as well as for medical fund.

Angela Affi Philly two weeks one year
BP chief backs shift towards renewable energy

FT News

10:46 min | 1 year ago

BP chief backs shift towards renewable energy

"Choo investor resolutions at BP's annual meeting, and Abidine this week, shade high pressure is building on oil companies to take action on climate change political discusses, how the oil companies are responding with Angela Weaver, and blessing hook. Up already the way. People around the work for her life. At the same time, Harmon emissions need to come out at a much faster pace that is seeking. That more energy emissions dot is to charge. That was Helga loaned, the chairman of BP outlining the company's commitment to transitioning to a low carbon energy system at their AGM in Aberdeen. This week shareholders had to climate change resolutions to vote on an epidemic. Edgeley. You were up there what happened. So everyone was waiting for these two resolutions to come up for debate. Now, one was backed by p and brought forward by climate action. One hundred plus which is an initiative, led by group of investors, and they were calling on BP to demonstrate how its business strategy aligns with the Paris climate goals. And now the second resolution was proposed by follow this dodge shareholder group, and essentially this one was different because not only was it calling on the P to set targets for its carbon emissions going forward. But these targets also should include those of. Of its products, so essentially, the emissions of its consumers, and that's essentially what shall has done. That's what shall has agreed to do. Right. But in this case, BP management back the climate action one hundred plus resolution but not the other one. Why was that BP claims that the follow this resolution would not allow for flexibility through the energy transition? They say we don't know what this energy transition is going to look like we don't want to put hard targets are legally binding on ourselves or on our consumers who's use of our products, we can't control. That's what they say. And does that sound like a reasonable explanation to you? So this is where it gets very interesting because most climate activists and increasing the investors say that these emissions from the use of the products are essential to accounting for how we really progress through this, energy transition and oil and gas. Companies must be held accountable for these emissions now. I do have some sympathy for oil and gas companies in the sense that they don't know what this energy transition looks like, however, most people, I speak to you think that BP right now is in the same position that shell was in a few years ago. And at some point they too would also have to include these emissions in some way into their forward-planning. Leslie, do you have any sympathy with bay pays position. I don't know about sympathy, but I think it is hard to account for the emissions of your consumer. So I can see the sort of legality of that narrow argument. I think what's been really interesting, though, is something that Angela is actually written about, which is where the RND dollars are going for these companies, although BP has started talking a lot more about climate change. And they've certainly made it a sort of headline item on their agenda there. Aren. These spending hasn't really followed. Those words. Yes. Exactly. And even in. The opinion piece that Helgoland wrote in the F T, and in his public comments it a, he's very clear that BP's also going to have to transform its business. But what does this look like it's unbelievably murky, we have no idea is he talking about increasing our independent low-carbon fuels and technologies is he talking about shifting towards renewable? It's not entirely clear. What this means in the BP context, and this is what investors really are trying to gain some more clarity on a lot of these invested discussions with the companies have essentially been company led. It's what the companies are comfortable with talking about BP's, not committing to a particular direction. They say we've been there before, under the John Brown era petroleum beyond petroleum. They invested huge amounts in renewables. And they ended up losing a lot of money. And so this was the point that Helga loons made at the GM, as well as in the opinion piece, which is that we want to be. An investable company and I think that was his way of saying, we need to keep on investing in oil and gas. And there is a real dichotomy there because ultimately BP makes money from selling fossil fuels calls emissions, and they don't really know how they will make money if they stop doing that. So I sort of get the sense that, while there's a lot more talk about it. There's not a clear answer of where revenue is going to come from if they're no longer selling fossil fuels on the other hand, you've got companies like shell and hotel. You know, the really going out there saying, we're investing in not just gasp, renewables and renewable power. And this is all feature. But most analysts who look at the sector and even the executives themselves will say to the margins here, incredibly low compared to is stark and traditional businesses. But also, we don't really know what this is going to look like for us. And this is the point BP's trying to make, which is we're not going to go down that path blindly again. Just taking a punt on the huge amounts of pressure from every. Body in terms of crime activists, and the investors who want this investment into the cleaner fuels business and into renewables. I mean Greenpeace this week, blockaded BP's entrances. I was going to ask you about that it was quite an extraordinary defection even for Greenpeace because they actually stopped staff going into BP headquarters Ryan, where it's quite interesting to compare that to the shell AGM which was happening on the same day over in the Hague. And apparently, there were very few protests or any sort of action going on over there, certainly nothing, like staff being stopped from getting into buildings and things. And do you think that that's because shell has been clearer about its determination to invest in renewables, and lower carbon forms of energy, then B P so far? And do you think that BP is worried about that? And that's why it took the steps that it did this way. I think BP's just a different point than shell shell faced this kind of backlash Affi years ago. Let's also remember. That shell is very much a dodge company and this huge amounts of domestic pressure. And this is now only ricocheting around the world, you know, to all the European companies as well as US counterparts, but, you know, the protesters this week were saying to be, you must shift all your investment into renewables, or go bust, but it's not entirely clear if that's the strategy. Yeah. And this is just the latest example we've seen of shareholders, trying to pressure oil and gas companies and indeed coal companies to disclose more about the future plans and targets and investments and talk more about the financial and physical risks that they might face by climate change. Ultimately, do you really think this is going to shift the dial? When it comes to lowering global carbon emissions through the investors say, there's a sort of a three pronged approach here. The first is to get these companies to be more transparent. Then it's to get them to set tie. Targets on their emissions and then the third bit of this strategy is to shift their investments towards cleaner fuels cleaner energies into ready. Get a handle on the investment component here, but it's not clear to me, how long that is going to take an if these companies are going to agree to shift the businesses in a meaningful way. And there's also just a place devil's advocate. I think there is a real question about what is the company's responsibility versus the government's responsibility? Where does the role of policymakers and business leaders begin? I mean at time when we're seeing global emissions still rising. The world is not on track to meet the Paris climate goals. A lot of that is due to government inaction as well as what companies are doing. We've seen that globally, governments haven't really stepped up to make the types of commitments that they would need to live in a two degree world, which then sort of empowers the companies to say, well, if the governments haven't figured this. Out, then why is that our job? So I can sort of see their twenty few in that way, would sort of just make two further points, which is that let's be clear. The world is still using huge amounts of oil and gas will using one hundred million barrels a day of oil. So from the company's point of view, if the demand is there, at least for now, why would they pull back that's the first point? And the second point is that, you know, to what extent can these companies really transition? Yeah. Just finally one way that the oil majors trying to prove that this series of crime. It changes by making these big investments in renewable energy. We saw one of those this week lately that you wrote about that actually shows that this getting quieter crowded field. Yes, we've just seen two of Europe's largest utilities g of France and EDP of Portugal tie up all of their offshore wind assets, which is going to create a bit of an offshore wind behemoth. An already we've seen a former oil and gas company known as Dong become or stud. It's now the world's largest offshore wind developer, and we do see more and more traditional energy companies, try and go that direction the company, formerly known as Stott oil now Ecuador, it also has a growing offshore wind business, so there is some indication that the traditional energy companies are really pushing in that direction although globally last year. What was very striking is that we had some numbers out a couple of days ago from the. A that suggested total global investment in clean energy. In fact fell a little bit last year. Despite the surge of interest from European energy groups, the global picture is still not quite as rosy. Thank you, Leslie, and angelie. That was police Clark took into a senior energy. Correspondent Angie own an environment. Correspondent Vesey hurt. Thanks for listening, joined forget, if you missed our recent episodes on the US is ham, ablation hallway, the political cost of Pakistan's, IMF lane or the shocking truth about plastics in the world's Asians. You can find them all on the usual per cost platforms.

BP United States Angela Weaver Leslie Paris Dodge Helga Shell Agm Abidine Chairman
Stopping Key Tech Exports To China Could Backfire, Researchers And Firms Say

NPR's Business Story of the Day

04:02 min | 1 year ago

Stopping Key Tech Exports To China Could Backfire, Researchers And Firms Say

"Support for this podcast and the following message. Come from Google from Connecticut to California from Mississippi to Minnesota. Millions of businesses are using Google tools to grow online. Learn how Google is supporting businesses in your state at Google dot com slash economic impact. One of the most raw parts of the US rivalry with China involves the way that China has obtained US technology and this year, the United States will likely at new restrictions on the export of certain technologies a move that is mostly aimed at China. It is meant to help American companies. But it turns out it could also limit the ability of American firms to compete. Here's NPR's, Emily FANG. The cybersecurity from knack Affi known Fritz antivirus software is constantly monitoring the internet searching for the next big threat. The company's chief technology officer, Steve Grossman explains we actually have a billion sensors deployed around the world that allows us to. See new threats track where they go. Now McAfee is one thousand of American technology companies at the frontlines of a global tech rivalry between the US and China. Grossman says the Trump administration's plans to update export controls, which would restrict US companies from exporting sensitive technologies could give the bad guys the upper hand, they're going to use the best technology that they can get their hands on in order to create the most militias capabilities that would potentially impact our customers. Those controls are the most Embiid measures thus far aimed shutting down Chinese hackers and companies stealing technology to get ahead. That theft is a key sticking point and ongoing trade talks between Beijing and Washington. Resolve nearly one year trade war in November the administration sought comment on possible new expert controls for emerging and foundational technologies. Technologies cord cutting edge applications that concerns researchers such as JoAnne camman's. It just slows down science in general for all the people doing good and important discovery. Research Commons is executive director of ABC, gene. A biomedical nonprofit that supports research by sharing material like chromosomal DNA worldwide. She warns export controls could hurt. This kind of cooperation cutting the US off from global research community that would open the door to China to race ahead. DNA is a linear sequence of letters. Once. The letters are known anyone in the world could four money and time make any one of these things the new proposed controls could even restrict to universities and companies hire Aaron NS senior vice president of the US China business council explains how companies might have to be licensed to pass knowledge of technology to a foreign citizen. Not only is the product that they make covered by an export control. But the employees ease that they have would be covered by them as well. That's worrying for many tech companies such as those writing code and working on artificial intelligence Agena, JoAnne Kaman. German stresses that modern research almost always crosses international boundaries basic research, which is given rise, of course, to so many important discoveries that have driven all of the cures in the clinic. You know, all of that work is done collaboratively with scientists between countries instead cyber security analysts like new America's Sam sacks advocate, a small yard, high fence approach restricting the sale of specific technologies with military applications, but leaving everything else accessible because tools like export controls. These kinds of things were meant to be used as scalpels but not as blunt instruments sometime this summer. The US Commerce Department will release a second proposed export controls list. Four foundational technologies. American tech companies who submitted comments hope the Commerce Department will narrow down. What is restricted so far? They haven't heard back. Emily chang. NPR news.

China Google United States Us Commerce Department Trump Administration NPR Steve Grossman Us China Business Council Chief Technology Officer Emily Chang Joanne Camman Emily Fang Mcafee Connecticut Minnesota Affi Joanne Kaman Theft Mississippi
"affi" Discussed on The Read

The Read

02:49 min | 1 year ago

"affi" Discussed on The Read

"Invest lots of money paying paying to maintain the trees grass and walkways in our neighborhood because the baby was shitting and ripping the trees from the ground anyway, right? The high volume of commercial for Taga Affi damages the property that broad acres HOA pays to maintain an interferes with a dog walkers and others who merely want to walk under the pretty trees list the difference. You would think that they had hired any leave of its and like all the whole cast of devil wears Prada coming photograph. It was three adults and a baby I mean, and I'm looking at it, and it's nicer, whatever. But it's not nice enough for her to be acting like all this bitch. It's it's a fucking paved walkway and a bunch of trees and grass that's eight long as they were in. Nobody's way. If bothered you that much again, there were things that was put in place and told you to do that. And this is why this is exactly why I say, hey, if this happens, and you see it in just pisses you off to the bottom of your fucking feed. Call us we'll deal with this is why so you don't get him to buy somebody's fucking mama for sticking your fucking pomeranian. Poops the on their baby. She's talking about. I am very sorry that I got upset on late Saturday afternoon. Putting it in context. However, I saw three commercially commercial photography shoots in one block at the same time something that happens frequently when I explain the situation to the first and third groups, they were respectful, the couple's photo shoot obstructed the walkway was not it's hard to remain composed when confronted by shouted. It's hard to remain composed when confronted by shouted threats of lawsuits and false inflammatory accusations. The false inflammatory accusations were them calling her racist this false or influence. Thanks facts. You went off on these people, and they black baby. First of all that was not a commercial, photography shoots. It wasn't it. Should you know, what she's tired of people on her fucking esplanade? But Gerland nothing you can do about that. Because the sitting already told you you don't own the fifty not yours, don't I guess what? If you want to call three one one to come down there and holler at that twelve month. Oh, you know, what would have told them to do pick up the blank and move. Right. And by then they probably would have been done taking pitches. What you could have also done with step around the fucking blanket or even step on the blanket. If you that mad and went on a bachelor fucking day or not because you stopped and got out of your car, you aren't working amo layers. Shoot out of her car to confront these for taking shoes arriving with no shoes on hot out in barest, four pomeranian by acting a damn fool..

Taga Affi HOA twelve month
"affi" Discussed on Photography Tips From the Top Floor

Photography Tips From the Top Floor

02:49 min | 1 year ago

"affi" Discussed on Photography Tips From the Top Floor

"Not just meeting. Everyone holding the worship also playing with cannons new tilt shift lenses, which is definitely a bonus there. And of course, there's a bit of a video more of a slide show thing on a YouTube link is into showed notes. Then may also brought the annual closer guys to workshop which is workshop in the old abbey which I've done for fifteen years now. And it also brought the Schlosskirche Pence workshop I think it called translate that into castle ghosts anyway weird name for those who don't speak chairman. Yeah. Fifteen times Costa guys. I think it's the third time in the other castle. Which was yeah. Again, this is Germany. We have a mall ruined castles everywhere. And this this one is actually special because it's really medieval, and it's just fun. Just a fun place big photography playground. General general fund on those workshops, of course, there's a video this just a showed drone video offer. Like a photo session. They did a portrait session on the highest spire offer Cass rate on the top. And I have this little under one minute short video that shows you gives an impression on the setting in the castle from the outside, which is very impressive. If you haven't seen that so link is in the show notes, of course. And then throughout the entire year. There was several several film photography workshops here in the view. Find a villa and also non film related workshops about design about light. But people for togr Affi. Unfortunately, all in German. Yeah. There there's I'm still working. I did this in the past. I did English language workshops here in Germany, but the market just seems to be too small and less people are willing to travel and come over here. And might do. I don't know. I had this. I had this idea in my mind for the longest time to offer like a Germany photo tour, but you can't it's hard to get around without losing too much time on the road. So it would have to be more of a city tour of sorts. Maybe a Berlin photo tour with Berlin in its environment or a hamburg- photo tour. But yeah, I've I've no idea how much interest there is if any of you would be interested in something like this. I'd be happy to organize something. But of course, it has to be viable, right? You have to make it work somehow financially. And yeah, people probably would have to travel to Germany for that. And yeah, tell me let me know that there's this voice. Line that you can maybe talking to your phone intended voice.

Germany YouTube Costa chairman togr Affi Berlin hamburg fifteen years one minute
"affi" Discussed on All About Android

All About Android

01:59 min | 1 year ago

"affi" Discussed on All About Android

"Save to your to your files, and then give it a name, blah, blah, save it. Okay. No more on my Chromebook. And then you have your assets in a nice little zip folder, and they come in PNG's. So you're very good to manipulate very easily manip- manipulate -able, whatever malleable, and I just take him into Photoshop and then cut them up as I need for the layout. I'm using on WordPress, a sponsor of twit. Nice. So that's how I make my website. Now, you know, how the meat is made in the factory. I'm going to sell so much face cream as cream. Yes. Do you want to go into business? Give me a call. All right. Oh, well, now entreat have anything to do with face cream because this is the place to sell face cream to many. Okay. All right. We'll talk we've already done the hard work. Came up with the logo that is hatch full logo maker by shop affi- for your shop affi- account. But whatever. He's on life. Use it for whatever. All right. I'm going to show off an app, it's not gonna take very long. It is a new app. So I think the install count on this is really really low. It's called go to sleep because we should all try and go to sleep and give ourselves the the, you know, the this time, we need to actually get fully rested. This is an app. It's open source. It's free, but you can pay to remove the ads and add a little bit of extra functionality for a dollar forty nine. And basically what it is is it's an app that specifically around helping kind of give you a nudge instead of not listening to what you really want to do which is maybe I need to I need to go to sleep earlier because I always wake up tired. And then you end up staying up all night and not listening to that voice. And then you're tired in the morning yet. Again, this is an ethics gonna help you through that. Right. You can see in my notifications. It'll give you based on your settings these notifications that appear to say, hey, it's time.

affi
"affi" Discussed on The Lawfare Podcast

The Lawfare Podcast

05:24 min | 1 year ago

"affi" Discussed on The Lawfare Podcast

"For in terms of policy, floss Affi think of it as an extended Washington Post op, Ed, and that's kind of my my goal frit only without a strongly argued thesis. Right. I mean, it's it's in in a lot of ways seems more like an effort to sketch the parameters of reasonable to bait across a range of issues related to the investigation of president. I think that's right. I might goal is to play it as much down the middle as I can. I it's no secret my own views on on President Trump. But my goal is to kind of define the boundaries of the debate that are reasonable within the grounds of law and policy in history. That means excluding some extreme views as really not plausible, not acceptable. But it also means acknowledging that there is real. Ambiguity for example, in the presence power to pardon himself, though, the presence tweeting about that is much derided. It turns out that and as a matter of Texan history. There's actually some providence to it. And he might not be as foolish insane that as as people have painted him. So I was trying to think as as you of all people know because it's how we originally mad. I started my book writing career by writing a book about Ken Starr. And I was in the context of doing that. I was I really immersed myself in the literature of these prior investigations. I was trying to think what is the closest analogue in any form to this project, which is a kind of overview of the history of investigations of presidents as well as an overview of all of. Of the major issues that those raise, and I I can think of the literature on special prosecutors, independent counsels, you know, Katie Harrods, and the there's a political science literature in a legal literature there, and I can think of the literature of presidential scandal. And then there are these like deep deep dive books on the individual incidence. But what is the closest thing in in your experience because I actually couldn't come up with it. Like what what is the if you were gonna say, well, if you're not gonna listen to my lecture series, the closest approximation is X piece of literature. What is it? I I couldn't think of it. I it. It is very hard to to come up with that. I honestly thought that this was a relatively unique product the the series of books that I think have been most advantageous to me in kind of. Pudding prior presidential investigations in context where the two histories by Ken Gormley, who's now the president at Duquesne. He wrote a beautiful book about arch Wilcox liangelo scheme the Watergate investigation, and he wrote another really fine book called starves Clinton. Maybe it was Clinton persist tar that was about that that investigation, but he did a good job of kind of situating them within a broader framework, but it doesn't have the history doesn't have the political philosophy of the founding. So I don't think there's a good equivalent which may be says that I was too general is too. I level knows no perhap-. I mean, I guess what struck me about it was I was one of the reasons I asked you in to do this podcast is that I was, you know, thinking for those law fair readers and listeners who are not immersed in the details. But who are really interested in the broad scope of the Muller investigation and kind of all of the subsidiary issues that it raises? This struck me as the best overview of that set of issues that I'd ever run across at with with the caveat that it's a that. It isn't overview NADA, deep dive on any of the specific like, it's it's not a comprehensive account of whether the president can be indicted or the scope of the pardon power. But it is remarkably diverse in thinking through from when investigations used to be done by congress not by not by special. Prosecutors how that migrated to the executive officer how for most of the that history. The idea that that officer was directly. Accountable to the president was actually completely uncontested. I just don't know of another sort of general overview of the subject that is sort of as as comprehensive if not as it, though, I know many that are in every single area more detailed, and and and more granular you just made my day. Thank you now that that type raise indeed..

president Ken Starr Ken Gormley Katie Harrods executive officer Clinton Ed congress NADA arch Wilcox Muller Duquesne
"affi" Discussed on The MacCast

The MacCast

01:46 min | 1 year ago

"affi" Discussed on The MacCast

"I think he described it as as almost washed out or loss of detail in that that loss of contrast unis also a little bit of the under exposing. And so you'd have to go in afterwards and sort of tweak things, and this is all with the smart HDR feature. So I think what it comes down to in this case is that if you don't like the changes that apple made with smart HD are or you don't like the results that smart HD is giving you one, you probably wanted to turn that feature off. You can go back to. So if you preferred how the the iphone eight, eight plus seven, you know, if you preferred apples old HDR that still is available. If you turn off smart HD are you'll get the same HDR that you had before. So that's one way to get this or also. I use a third party app where you can adjust more of the manual controls, things like the shutter speed and the eyeso-, and you probably want to then tweak those a little bit to get more of the Taga Affi results that you want. So there is kind of a way around this. The question becomes, will there be enough debate in the photography community for apple to actually go in and tweak or change the software? And I guess that's the kind of good news about this is that apple can tweak the software in a future release adjusted and you know, make it work differently if that's what they choose to do. But for right now, it's looking like, you know, they think they have some of the best photography straight, you know, point and shoot coming off of any smartphone camera and they made those calls in. And my thing on the MAC show was, I think apple hires very smart photography people for their camera division, and I'm sure they thought long and hard about these decisions and ultimately decided that they think this..

apple Taga Affi
"affi" Discussed on MAD MONEY W/ JIM CRAMER - Full Episode

MAD MONEY W/ JIM CRAMER - Full Episode

01:48 min | 2 years ago

"affi" Discussed on MAD MONEY W/ JIM CRAMER - Full Episode

"Or tweet me at Jim. Cramer tonight I wanna share some my accumulated wisdom, believe me. I've been doing this thing of all time because there are so many different things you need to balance order, be great industrial that it can be hard to keep track of everything you need to do. And a lot of this stuff is much more important than the day to day action. Any particular session without the right discipline, the right framework, the right dare I say for Las Affi. Well, you're going to get yourself into trouble, but I also know that big picture financial vice can be hard to process. A lot of it seems downright contradictory to most people. We tell you to have conviction, for instance, to stick with the company should believe in. Then we say, you need to be ready to change your mind on a dime. When the fact sheets. You need to be cautious because it's so dangerous out there. But you also need to be ready to pounce it opportunities when they present themselves, you need to be skeptical, but you'll need to know one, suspend your belief, your displays. You need to avoid chasing stocks that have run too much, but you also shouldn't care too much where a stock is coming from. If you believe it's headed higher, you know the rules. It doesn't matter where stock has come from. It's where it's headed to believe me. I get. I get it. Take all my rules. Literally, you're going to be running around in circles while tearing your hair. I mean, how do you think I went bull. So it's going to take a step back. Try to put all this disciplined stuff into perspective. If you pick your own stocks, the thing you really need above everything else is good judgement, but obviously good investing. Judgment is not the kind of thing. Anyone can teach you in an hour of television or even in Europe. Tell him for that matter. That's why I try to help you build good habits. I try to teach you better ways to think about individual stocks and the whole market. I try to give you the tools. You need to develop your own judgment. All my best.

Cramer Las Affi Jim Europe
"affi" Discussed on Science Talk

Science Talk

03:47 min | 2 years ago

"affi" Discussed on Science Talk

"That's nothing which a slap that on. Right? Exactly. Yes. So the of Aleutian of imagination. What do you want readers to take from the book? And why did you feel compelled to write the book? I think imagination deserves to come back to the fore. Front of research and concern in psychology and floss Affi. And I would say even a neuroscience, it fell out of the picture because of the rise of behavior, ISM the mind sort of fell out of the picture because we thought, well, we can only study behaviors of animals and humans. We can't know what's happening in the mind. So it really it disappeared. But then when the mind came back during the cognitive revolution, it came back on the model of a computer. So computational mind, of course, very popular and did great things. I mean that think of the mind that way has been productive. But I think the the downside here is that we've ignored the imagination and the imagination is in many ways. The great connector between the perception and the emotional body and these higher level abstract forms of thinking that we recognize, you know, things like. Conceptual knowledge and math, and even being playing chess, you know, that's sort of level of cognition. That's very high and abstract. But it's in some sense, it's wired. It has roots all the way down into this older brain and older embody system, and I think imaginations a great way to get at that stuff. And so for those reasons, I'm hoping that I, I'm trying to sort of spawn new interest, you know, on the part of the profession and the disciplines to look at it and not be and not think of it as a kind of folk category of the mind because we think of imagination in popular culture as either, oh, it's like a a miracle. Some muse comes into you and you just channel some mystical energy. And we've romanticized are artists to such a degree that we think of the, you know, the the van Goghs and the I, you know, the I in Stein's and the Picasso's basically just. Opening up a, you know, a current and is a mystery to them how it happens. Well, that that mystifies the imagination that's not really a helpful way to get at it. And then the alternative is you'll see people like an evolutionary psychology or in cognitive science, thinking about the mind as a set of modules that are preset to solve specific problems. And that I think is also incorrect. And the imagination could provide us as an alternative as all with an alternative way of thinking about the mind that would be a very productive for future research and for lay audience. Well, I think what's fun about the book is I try to start every chapter with, like I'm telling the story about sort of being on stage in a band and what it's like to perform for people that you've played with some some of the great blues artists yet been lucky. I've played many times with the Bo Diddley before he passed away. I was when he came to Chicago, they would. Call me and I would be in his house band so that I did that many times and played with buddy guy. And what instrument again, a guitar. Yeah. And that's the kind of thing like I remember meeting bowed Diddley and it was I tried to like connect with him and say, I know these songs we could do this, but he he just shows up on the night of the performance and just storms, the stage. And that's the first time I meet him and he's, I'm like, what do you want to do?.

Bo Diddley Goghs Chicago Stein
"affi" Discussed on Kinda Funny Games Daily

Kinda Funny Games Daily

01:34 min | 2 years ago

"affi" Discussed on Kinda Funny Games Daily

"The two could co exist but i appreciate the idea that maybe i mean this is what we do we run too far with any of these areas but it'd be cool if you brought your switch they are thing going on disneyland recently well over the last couple years decades even they been kind of getting into this point with the magic band that you had like instead of having to get all the fast passes you can just kind of use mobile apps to do it at the disneyland abbott self like you can see updated it right and they just did it where it's like gives now it's game affi does rpg element to it you go there's trivia you need to answer depending on where you're at in the park like that's cool and if nintendo can make it work with the switch that superman but whenever there's nothing i love more than a little bit of pr spring somebody who's like a normal human being what i think we can expect translated so it's more awkward it's just like good lord he's an old trl three lights on on gene where they lost their mind when it was somebody was leaving they were leaving they were leaving xbox to pursue their lifelong dream of consumer brand marketing here something like ooh fuck whatever number six final rope report from irish or congrats blizzard on their overwatch charity results they put up the following over on the overwatch blog thanks to the overwhelming generosity of the overwatch community during the pink mercy charity campaign we raise more than twelve point seven million dollars the breast cancer research foundation this is the.

disneyland nintendo seven million dollars
"affi" Discussed on Software Engineering Daily

Software Engineering Daily

02:10 min | 2 years ago

"affi" Discussed on Software Engineering Daily

"Monolithic architecture for shop affi evolved over time yes oh definitely thought it emotionally invest on is in a single application in the best for years that i've been on show before even in two thousand fourteen when i joined us deal heavily focused on a single application back then be had split off our payment systems and be had split off bunch of audio systems but in a sense what actually goes into you being able to sell stuff online that mishal done by a single application still and even in two thousand eighteen that's still the gays for the most bought visa still have a bit monolith and we are basing it off in into other chunks but in a sense show before i corps which is a really big up ligation and it does most of the things that goes into on you being able to sell off the thing they've done in the reason the as though is that we've started to grow this ecosystem so we have teams those have stores all kinds of other services i'll mention scan leverage and all those allegations are separate from vicor so it's kind of a hybrid model where the courses themselves the speed is still a big malade but all the other stuff around it are being built as separate applications and also we are working hard on making shopping for a little bit smaller this is a common practice when a company starts off with a monolithic architecture it starts to build up services around the monolith and gradually eat away at that monolithic architecture so that maybe the common sir services that are used all the time or the common methods within the monolith that are used all the time are broken up into their own standalone server instances so in the early days of breaking up the monolith in it splitting off splintering off services what were the the choices that were made what were the services that were broken off i so good exxon bullies isao payments systems so because we handle credit card information all that information has to be busy i said the fight.

"affi" Discussed on Software Engineering Daily

Software Engineering Daily

02:10 min | 2 years ago

"affi" Discussed on Software Engineering Daily

"Monolithic architecture for shop affi evolved over time yes oh definitely thought it emotionally invest on is in a single application in the best for years that i've been on show before even in two thousand fourteen when i joined us deal heavily focused on a single application back then be had split off our payment systems and be had split off bunch of audio systems but in a sense what actually goes into you being able to sell stuff online that mishal done by a single application still and even in two thousand eighteen that's still the gays for the most bought visa still have a bit monolith and we are basing it off in into other chunks but in a sense show before i corps which is a really big up ligation and it does most of the things that goes into on you being able to sell off the thing they've done in the reason the as though is that we've started to grow this ecosystem so we have teams those have stores all kinds of other services i'll mention scan leverage and all those allegations are separate from vicor so it's kind of a hybrid model where the courses themselves the speed is still a big malade but all the other stuff around it are being built as separate applications and also we are working hard on making shopping for a little bit smaller this is a common practice when a company starts off with a monolithic architecture it starts to build up services around the monolith and gradually eat away at that monolithic architecture so that maybe the common sir services that are used all the time or the common methods within the monolith that are used all the time are broken up into their own standalone server instances so in the early days of breaking up the monolith in it splitting off splintering off services what were the the choices that were made what were the services that were broken off i so good exxon bullies isao payments systems so because we handle credit card information all that information has to be busy i said the fight.

"affi" Discussed on Dispositivo Sonoro

Dispositivo Sonoro

07:15 min | 2 years ago

"affi" Discussed on Dispositivo Sonoro

"The bad wive my useful whose upper was bill simon spanner yours style style this data greenwich even c f woken have dementia was supposed along the main tourism dodgy with my fast soon neville say illuminaries emoting g moot merge affi clumsy to them this nor me as much bidding some willing to the alabama he'll mop our visit plus dashed mishmash from that of richard will makir grant logically he but i still may not mix business cease muscle is much folic up siege auto large buds the settlement because the scene nail a name a pack with next mile they sink name sending now mahatma during feeding a facility that he's shown subiaco nominated wellness fitness club he hilas some home he had one equates point sunday he just coming on he wls another's add as obvious you if you call on so narrow son hardcover so now aero have more komo's full sublet in the middle san mafia slow please laws man huhne's fool which foot sewn now don't you interests sketch them but i could maliciously uniform that car seat to the he imagine earn was must gathered together at etel fugitive visit 'em cool side via the bump kicking scurvy more as ceo multiple songs this associate for that crime they would keep worst footers that for ms gillian welt wellbuilt out of lincoln sailboat out the key some ice of today with key novi veg noise for today's christone muthu much go ahead mood joys margalla you've no sport asi seining name one in the second is the sequinned this teaching quantum put you siesta if someone you dodging zome was ziva would come multiple bench must knowing full inch mon food a seeing acquittals that gene in with the scribes was quail main chill but it is so klay fledged three songs with names a saint i'm with hellas another secular film citing via keys conceivable for this a former ramiro citizens only g if went skin is up on sif just veto but as you pay my quizzical proposed to go kill doda via shing soupy vidigal as cassette cheever is she where no chain a seeing as a as a s opt ozone don't fic weighing did you hit a math math with such ink spare ms is a beautiful views to cvs civil set in blaze each yang muggy not sump it his name with a complete cavs civil think theme sanderling here for was ed or the long he's accused of her wrong get into those late regained booties via paolo organisms that maize is normally a the need coy were in the man thinks she's the as bring knees oh guest guest yesterday we need eba breaking bail damon equal cow walker some profit fell after eleanor full using phone day sheely minnesota was video bad apples believe that they will see some of those simple falls is coming bull the blizzard on meola acid all the luckily hilas another florida is the key thing wintel mice see chilled hook it nicer lizzy started coming you will give aways mom all the to wash the man speaker song is sadie of mafia floor hogan cheer man richard ause you just don't need knauss there will release the manner survive team i spy the food they've got a in kuala cited this on them in ed's some of police police snorkel jessica the side meko missiles but some other for me is too key nine illinois speculate he cloudy some emphasis 'cause he stuff as logistically it though you put a skinning folders stone nas lever not don't confessional maza kicking will say mice listed on public a for muscle net a foot vocation chic local cookie he disco point of follow contention them split kojo stuffers say scree from witton process nee essen for of phone vehemence nas off leave getting started on forty book yankee convulses but i think they're second sundell kumble keyed say olma pal out but is h the hill osama though almost myth by zag will get that with civil gusts ghetto will gam will get on fellow men all just see him mental sagradin all that island epochal billion will get all those desire sagradin one he should not amusement modest appealing ece ece hilla sewn llc he'd be bored ella ella disney channel remains a rather than sequential curious have your call mccue ju sponsor nine casualties will put ucla coon died a toll mention aguado those majors wait nomination as follow ups anomaly a.

bill simon
"affi" Discussed on BizTalk Radio

BizTalk Radio

01:35 min | 2 years ago

"affi" Discussed on BizTalk Radio

"Absolutely marvelous for tiger affi just outstanding job that you did but you mentioned not only the grand canyon but some of the other was while mentioning at traction that you depict it so beautifully and a book called arizona and no mexico twenty five scenic sidetrack go at one of my one of my favorite places in northern arizona is called kenyan it's spelled c h e l l y canyon and that is a a canyon that's in some respects even more beautiful than the grand canyon it's not as deep it's not as long but it has just extraordinary geology and extraordinary history there has been human occupation in that canyon for as much as five thousand dollars there were gathers that pass through and left pictographs on the on the canyon walls there were the people called the anna sasi who built cave dwellings in the recesses in the in the sides of the cliffs the hope he came through after the anastasia in the navajo came through after the hopi and they've all left their mark on this canyon there are currently small navajo farms peach orchards and that kind of thing still still there in the canyon for people to see if you wanna travel inside the canyon itself you have to bring a navajo guide because it's all private land but there are beautiful views from the rim and there's no no charge even to enter this particular national monument it's one.

arizona mexico y canyon five thousand dollars
"affi" Discussed on The WordPress Photography Podcast

The WordPress Photography Podcast

01:57 min | 2 years ago

"affi" Discussed on The WordPress Photography Podcast

"Is very different in the sense that i think traditionally our websites have had maybe a landing page and maybe some of a slide show photos on it and there's a link to go to about page in how how many people really end up you know on your about page this kind of hidden in the back but really start to restructure things from looking at it from a human marketing psychology point of view we really have to sell ourselves now not to sell the quality of our work or say we're the best everyone's on holding it little signs saying choose me i'm this but if you can sell yourself in connect your potential client on a personal level sort of fines some values that you have in common by not who your ideal client isn't appeal to that that that really sells you which is what you have to sell before you sell anything else are about section to our home page so when people go to the blooms dot co a see are faces on there they hear our story in that something that they can connect with right away that's great that's great end you put that towards the top or did you put it towards the bottom like after some photo examples or anything like that it is so if you go to our website it's it's much more you know the website we had we'd had for about seven or eight years in the amazing thing was it worked like we we built this wordpress back at the time pro photo theme eas easy to put together kind of a website for photographers who had no idea what they were doing with their website massive ice for many years in terms of at least we had a presence but but yeah what what we have now is maybe like a banner that has our logo the branding some imagery but just immediately below that we're not we changed everything used to we used to be bloomed togr affi.

togr affi eight years
"affi" Discussed on Side Hustle School

Side Hustle School

01:48 min | 2 years ago

"affi" Discussed on Side Hustle School

"Surely she wasn't the only canadian looking for a letter board but put off by exorbitant shipping fees and a crippling exchange rate if she struggled in her letter board quest she thought surely there must be others sarah now how to cite us all idea but going from idea to income was overwhelming at first because she really didn't know where to start she didn't have tech experience she'd never worked in a retail environment before but since she knew she needed product she began to research suppliers looking both locally and at foreign manufacturers that listed their services online then she created her first shop affi store to lay the foundation in a way she realized that the most important part of the work the competitor research was already done as a potential consumer she knew what products were out there and with a fair market value was for letter boards this was the stay at home moms first foray into business but she had noticed that gap in the market when sarah's first sale came in she went into overdrive to fulfill that order this was last year but the excitement from each sale still continues according to her she says it's still special to hear my shop up by notification go chaching when i make a sale the sense of accomplishment from her success as changed sarah's life she calls her shop letter poets and monthly income now reaches about three thousand dollars that's about the same amount she would earn working outside or home while paying for childcare with a side hustle shiites financial freedom plus an added dash of excitement and the ability to work from home as yet another benefit she's able to travel with her family without planning around her job now sarah was first and early but since the launch of letter poets many other letter board shops have also opened she's been careful to pay attention to them but even with more competitive market she tries not to devalue her product and chooses to focus on creating a brand people trust she does that through great customer service and a friendly presence on social media.

sarah affi three thousand dollars
"affi" Discussed on Christy Wright's Business Boutique

Christy Wright's Business Boutique

02:02 min | 2 years ago

"affi" Discussed on Christy Wright's Business Boutique

"Why are you charging that nights how to value may myself and so now i feel like i have to give it away for less valerie that's a tough situation totally here you one of the things that i teach women when i'm talking about setting a price for your product or service is that you want to consider all the variables when setting your price two of the variables you wanna think about our location and what the market will bear now if you live in a small town than what the market in your small town wool bear based on your location is probably a lot less than someone in larger town or even a big city that's going to be a reality in the business that you're setting up but that doesn't mean you can't make more money so first let me answer your question about how to value yourself and not feel like that you have to give it away for less you need to deliver you need to give them the best photos they've ever had if you deliver on your promise and you delivered great quality in great service and great photos than people i don't mind paying more because you're delivering more value that matches the price surcharging the only problem is when you raised her prices but don't deliver on your promise or on your value so be sure that you're over delivering on your actual skill and on your photos and then people will be happier to pay that price however if you're still hitting a ceiling of what people can afford in that small town i want to encourage you to think outside the box and in your case the bucks is your town how can you make more money in your business outside of pay for service for togr affi is there a way that you could teach a photography class online is there a way that you could teach an editing class online could you record a course could you have some other format for creating income into your business that opens up your marketing to the entire world through the internet versus being stuck only being able to charge the people in your town because.

valerie togr affi