20 Episode results for "Anisimov"
WTA Avengers light up Miami; Medvedev survives cramp; #PlayersVoice discussed
"Hi this is billie jean king. This is marion. bartoli mats wilander. this is mary. Carillo tundra winker enlighten. This is yannick noah. Hi this is. Sally wells from capetown. An you're listening to the podcast. That has been top of my list for seven years. The tennis podcast off. Sally thanks so much seven years. We've been going for nine what you've been doing for the sick anyway. We're delighted thank you. We doing the other a mostly talking to each other without anybody listener and And if you heard those first two years it'd be surprised to find out why hence why katherine refuses to listen to any of them But sally thank you so much support. And i think saudi rights says notes from time to time and he's always lovely and we much appreciate it. Katharine still in her studio dressing room. She has left it since last time we spoke but she's back in it again because it's a daily thing this talking on tv about tenant so catherine's here all sort of done up for tv. It's different to what it normally is and trying to say but my standard broadcasting appearance david well normally single are finish that sentence norlin spotlight matches and right now in mino great. That's well this isn't it How you doing okay thank you. Yes soccer on the screen. And i'm talking to you about tennis so things that good art has been the most fantastic we have tended. Sofas and i mean these what is it a twelve day tournament or something like that or more. Thirteen day. Tournament started last tuesday. I think the day before you came on air. Your studio were catherine prime redoing coverage from the tuesday. And it's kind of hard to get your head around. I think these terms. Because i think because we're a bit out of practice. I mean usually. There's a month. Isn't there way you just cram in indian wells and miami and that she a month and and now we've had a year of it and it's it feels like we've been going on forever and we're still halfway through but it has been brilliant. What what is it felt like to you yet. Brilliant also don't think it's entirely our fault that it's difficult to get to grips with the goings on because it all is bit bitty on that front. You've got half of the draw playing on different days but men's tournament a different stage to the women's and then today you've got all of the women's round sixteen matches happening on one day. But you've got half of the men's draw playing round three matches and quite often when i'm winning through roundups and updates. I find myself say so. That's medvedev through to the next round because of on on the spot without the drawer in front of me in. The reminder is this mental gymnastics going on is just the nature of these once were weeklong events just kind of being expanded and stretched out but usually i'm not such a fan if the expansion in stretched out nece the right now. I'm i'm pleased that this is going on as long as possible because it's great stuff. Grove directness to matt because katherine is clearly biased about this because she works for prime video covering both the men's and women's tournaments back as somebody who commentated on the women's tour for six years when bt sport and the rights. And i loved every minute of it was great fun to do but just as a viewing experience matt to be able to watch. I think for the first time in my life watching tennis. Better watch this event on one broadcaster where you just put them in other because they do the menu system as well in europe. Choose which match you watch. I think tennis channel in the states of got something similar as well because they've got the rights to both tours. Now that is a real plus for the for the view is an intensive failing light this combines coordinated whole of over tournaments. Yeah it is. It's a real game changer. Actually having the men's and the women's event on the same platform with not had that in the uk for quite a while really with with these combined events and prime got the rights last year to the women's tour. Then there was barely any combined events last year. That ron prime so this really does feel different and elevated. And yeah i mean i must say there have been a few days where i sort of thought are then miami. I'm just watching. The women's matches one after the other because of the strength of that draw i am. I'm enjoying the different side to the to the men's event in miami this year. People listening to this podcast will no. I'm a. I'm a big defender of the big three and i've not really had big three fatigue and i'm sort of endlessly fascinated by them as characters and players but at the same there is something different and enjoyable about this them with some bit more unpredictability and in the men's draw. Take out two or three players and suddenly every match more relevant potentially in terms of who could go on to win the title. But then the women then i mean they've all shown up and they're delivering and you've got blockbuster matches from sort of the third round onwards and it's just it's just a who's who of exciting talent players to delivered on that talent and have over matches in one place is. Yeah it's is a real bonus. But i will die on the tennis events. Don't need to be longer than a week. Other than slams. I am enjoying it zone. Reason kathy yet keeping me for that reason. I'm enjoying it but get on with it. I do kinda thing. I'm loving firstly. I think maybe it's because of just had withdrawals really from this time last year when we were just in the first month of six months of nothingness other than tennis relived which was a joy in its own right for us personally but crikey. I'm a realized now. Just how much missed it. and a. she's doing a good job. Such as presented luke. Anyway the the other thing. I like about the facts. I don't say like about the fact that the big three in the men's side and not there because it's it's obviously a downer that they're not andy murray's not there but i also it's easy to say. Well it gives the the young men a chance to towns the spotlight. Actually think gone catherine what you gonna say. He so navy said next. And then didn't you and you're just a dude that's right. Why did you stop yourself well. Because i think it's time to move on from that. But no i mean i feel like this is a tournament where the women deserve the spotlight. And because you look down the draw and is just it's what's been bubbling up for eighteen months now or two years and it's all coming together because i think particularly because andress coups now fit again and playing and part of the whole story and all these other players of joined in her absence. This feels like the moment that it's all bubbled to the surface. And i don't want really them to not get the spotlight because they deserve it right now and i think the danger is that the federal dowell jackovitch are so huge. They're such important figures and they and they rightly command the attention when they're around as well but just this once because they're not the women. Get the highlight reel really. They're the ones that deserve the best staging and last night. There was a moment where maria was playing alina kaminskaya that a calendar scar and that was a crack in match and mcgrath came through and then this match between undress goo and amanda anisimov started and i think went to bed while i got through his sit and ended up. I set david. You were you. Were not present in the whatsapp group and did a good chap that you missing. I woke up to one hundred and fourteen hundred messages. That's not an exaggeration. Anyway i did watch the last two games of that set. Because you banging on about it so much i started to think i'm ready missing out here and go to bed because it's one of the morning for me. I've gotta get up at six thirty from my kid's school and you haven't so anyway what to fourteen hour day david and in my break. I was giggling. Indoor hammocks sleep. I sacrificed it friend rescue against labor so but anyway i still think the the problem i had was somebody messaged with got andrew. Skews cuts power. And we've got an over his backhand and at that point my device went on immediately and i had to watch a couple of games to just tide me over until the morning but tell us about that match what happened matt. Tell us what happened. The headline is that and rescue one in three sets. I think it's important to say that. I went into that match with excitement but slightly low expectations because we've not seen either player. Play brilliantly truthfully for over a year you know. Their best. tennis was in two thousand nineteen various reasons for that oversleep injury. A large factor in that so. I was nervous that maybe it wouldn't quite live up to how good it could be. But in the end it was everything i hoped it would be and more and rescue. I think is playing a lot better than she was in australia. She looks a lot physically. Strong There was a few concerns that she might have a backing jury in that. Second set sh-. I think she took some time outs. But basically she's playing really well which is just such a joy to see and then you add in an awesome over who has the purest smoothest backhand imaginable add in when she hit a forehand. Well that's a good stroke as well and you just had to exciting talent going up against each other and there were momentum swings and were gear shifts from both players and each was in the balance and it just. It was just three of absolutely wondrous tennis really. I'd forgotten how good how good it felt to get really embroiled in a andress q. Three-set matches we did so often in two thousand nineteen to to really fun fun experience to watch an undress tennis match. Why is that katherine. Why does she get people in that way. I didn't know you're asking to tap into my in a psyche there because she really gets. May i if. I had to choose one thing to be able to watch tennis at the moment. It would be bankrupt risky in a three center. I'm pro possibly being cressey full. Stop and i can tell you the headline reasons that you all that you both know. Probably everyone listening probably about why. She's great she's good to watch but still something else that i am not able to articulate. The makes just always need to watch tennis matches. I'm sure it's elevated amplified by the she's been away for years. There's a slight sort of novelty to it. All i i feel that. Let you with the soccer as well she. She plays a spouse essential than the other players. There is that feeling of ood a little bit of goldust being sprinkled and you know watching. Soccer comes close in a few other players. But if there's one thing it's undress coffee and i don't know whether that's specific to me that she has these character traits. That i so wish i had i just i want some of that. Let's go and come on and swag as put i think. It's an obsolete personality feet that she has all of that is an irradiating. I would usually be so irritated by that type of person. And i'm not remotely irritated by her. Just sort of want to be her. So yeah you've asked me to to try not late something that i am as yet unable to do. But it's a work in progress david. How much of it do you think is because she packages that into winning tennis. I find. I can forgive traits. That sometimes i would find annoying if it creates a wonderful tennis player. I don't find those traits annoying and undress q. but there are players. I mean the obvious example is nick. Carroll's i find him a lot more entertaining when he's winning. And if he's winning and the theatrics going on that's the kind of absolute sweet spot. An andress does manage to to win so offficial. If you're saying check me out and you're losing. It looks a bit crap. Yeah i mean without question bottles at like andrew has absolutely no problem letting you know all the time how much she wants it and how hard she's trying for it sometimes possibly too hard and that is a very significant distinction between her and her carol. I would say yeah. I wasn't trying to draw a comparison between andress. Good curious there. Just get the point. I'm just on an awesome over when you were wax on about her back in. A minute does tighten back probably about three years ago when i saw her beat patrick visible with that backhand and i. I still don't think i've ever seen a backhand quite sweetly struck that in men's or women's tennis but you also added matt if she's in position And i do feel that there is a question mark over whether she will ever have good enough movement to be in position enough in big matches when it matters because it really struck me when we were covering the french open and i i thought she would take alip again because she'd done it the year before and then to watch the match turn to watch a swing in through this ball and realizing that that's not enough because her movement doesn't allow her to compete toe to toe on a clay core. I just wondered whether is not the sort of movement that you are ever going to fully overcome. She so tall and strong. But she's she's looks cumbersome I remember mary carillo saying to us. That every great champion in tennis has always had great movement player can have different styles. But if there's one thing that unites everyone reaches the absolute top of the game. It's movement and i think in in anisimov case what it means. Is that if she's not playing particularly well if she's having a bad day she can't make up for that because she can't scrap and she can't defend and she's just going to make a lot of errors if she's having a great day and she's on. She will be close to unstoppable because the way she strikes. A bowl is so pure especially on the backhand but if she's a little bit off i do think she perhaps struggles Also think has serve is probably a little bit of a weakness and rescue israeli attacking that second serve. So i think we've seen some more areas where there are potentially some holes in her game. It's very easy to get swept up by that back. And i do get swept up by but if you actually dig a little deeper there are perhaps some elements of a game which which will hold a back. But i'm interested like you david to see whether whether she can improve the movement especially the serve. I think probably will come improve anyway but movement you know. There's there's a lot of players who have struggled and never properly managed overcome that by the way we by the time you're listening to this and erskine might be through might be out. She's against governor russa tonight no no rest for the wicked is the catherine's been trying to figure out if there's a way she can possibly fit that match into shedule this indo hammock queenie lead supposed to be asleep that time so we'll find out And the has to be a question mark over the physicality of and rescue disorder after that three hour match. But we shall see. Let's hope she's going to be okay soccer. We've just seen david doak. Oh whoa sorry talk. I was leaving that for katherine. Probably abou thirty thirty one hundred and fourteen messes about cocoa. Those soriano you own about who's a mascot. For the week more of oats later is out. Saddam as well but more off topic. Okay so tell me about coca is k. k. Is the dog that we're already familiar with the selfie. Where the run after. Yup yup the one and anytime i break it might have a is that he can win. Sportspeople policy. because it's not professional with for coco and rescue the dog who he came in tow with the andrew's parents who were utterly bewildered by what was going on and yet still charming. Still very very charming. Who is crazy women. And why is she touching dog prob- probably if we just let get on with us and it'll soon anyway coca. The dog is wonderful so well behaved. We sat front ray throughout that much really engaged of it as well. It's not like she sleeps through the matches and she knows she knows went to celebrate. She's really into it and she's a toy poodle. Which is half of what billie jean is. So we're we're very much if you did say that. Dogs kind of become a version of their owners and his own billie. jean sleeps all day. So you know where we are gene and the indo hammock. Correct ash. Party has beaten victoria azarenka today bonkers match lopsided to six one setswana piece and then bharti got the better of which most people i think would just edging towards answering this is. This is a good week for for bharti already. Isn't it given that these extraordinary crowds. I've been reading that. She she may end up on the tour for the whole year. She may not go back to australia. Certain until after the us open talk in six months. Maybe even longer matter. I mean that's i knew she was committed to this trip. I think particularly because of last year and the fact that she decided she just didn't want to be bothered saw last year. I think it's probably really ramped up the appetite for this this year and this is the way to do it. Isn't it with all the corinthian and everything but what a commitment and. I think that this is probably a really good start. Isn't it just just to have got some wins and be off and running and she didn't get those wins. I think when we were recording on thursday party might have been playing and she ended up having to save a match point in that first match against kucova over and then since then she's been more impressive against ostapenko she. She swatted her aside and she was good today against as earnkaro. Really interesting match. Catherine in your in your studio chat. You're focusing on had have different than back. Cans of party can use that slice and azarenka can can flatten out the back then and sort of hit with great depth and that felt the battleground for the match. But i thought what bharti was able to do with full hand was was really impressive pulling azarenka over the core and she looks comfortable at miami oversee the defending champion. She's now got reena sample inca in the quarterfinals. And if not wins that that will force asarco to win the title if she wants to overtake her as the world number-one at the end of this tournament which feels like it will come. If it doesn't come this week. It will come eventually for sarcoma to to slams in her pocket already. She feels the defacto number. One it's a matter of time before she gets there but be interesting whether barty can hold her off as we as we go into the portion of the season web artie will probably fancier chances against a soccer if they play on aol on grass so really fascinating and what a commitment to be away for the whole season especially ash party. Who who we know likes likes being home. And i think this'll be tricky for her. A real test. I hope she is okay really over these six months i think craig ties are her coach. It's going to with her the whole time. They just isn't time to go back and do a two week. Quarantine make a trip back to australia worthwhile. So this is it. If she wants to play on the tour she has to do this. And i think i was reading that. She's going to have a base. Potentially in london and then go out from there so really interesting period for hell. If it's just a short interlude from us to tell you about america's number one meal kit hello fresh. They've got a very special offer for tennis. Podcast listeners go to hellofresh dot com slash twelve tennis and use the code twelve tennis for twelve. Free meals including free shipping. David you like to think of yourself as a little bit of a culinary master chef. This is your way to even more delicious and nutritious food for the family or just nutritious delicious food generally because most of cooks terrible and this sounds very much like a stress free way of sorting out. So yes please yes. It'll save you time and stress. Much often missing. Crucial tennis matches due to time. Spent cooking and eating. This could be the thing for you. Yes absolutely mainly eating. I needed to do more cooking. And perhaps this would be a good way to do it to hellofresh dot com slash twelve tennis and use the code twelve tennis for twelve. Free meals including free shipping. What's not to like. I don't think i've ever seen the miami open. Look this heart fit. Looks really uncomfortably. Hot the last few days i mean. It's always hot isn't it. Is this players. You think just being a little bit kind of softened to the weather systems these days because it just played that much. Yeah i wonder if it is actually and it wasn't that hot in australian open remember usually most plays with played in something like these kind of conditions in australia. And i'm not sure there were any days that were intense humidity. You get miami. Sometimes the temperatures on paper in miami. Don't look that big. I think today's said twenty eight twenty nine but it's like ninety percent humidity a lot of the time and that's the humidity that is suffocating. I think is particularly difficult. For athletes and tv presenters in my experience. Yeah i mean. We've seen some people that you don't expect to see suffer with weather. Conditions really suffering with weather conditions q. Daniil medvedev chat. Were what happened the last night. Because i was i was kinda tuning in and out. I was watching that. And i watched the first six to nine. I said i said to matt. This is good. You wanna get this on popper and is saved three match points. He was a set in five. Three downey saved love forty on on his own serve. You managed to get tiebreak. Won the tiebreak. And i said to you. I think i'll probably in the best of this match. Now i'm gonna. I'm gonna watch line of duty and so i did and then the next thing i know i had to pause after thirty minutes because apparently a downer medvedev was walking around like an old man with a walking stick so i mean you can't not watch that can you. And but that is not an exaggeration and yet he was still winning. It is not in the tragedy of this. Is that neither of you. Know the listener will ever see impersonation that greg brzezinski was doing if the detail medvedev walk at that time. That's just a treat that i've got in my memory bank forever and you will have to live your lives without phone about the recall. I didn't i did it knows was too busy just enjoying it. In the moment the mental pictures will last time they will. I mean he wasn't backing away from it was. He wasn't pretending that it wasn't happening. He wasn't he didn't lose anything in his performance. Really i mean he's lost some of its movement and stuff and he continued at. What a main is. He was just still belt in the living daylights out of the ball. I even hard. It wasn't he was going for broke crowley. I found it really interesting to watch him under that sort of pressure. Because i've just seen it before and c reactive. Well i think he called it. The exact fraser us. But i think he said something like. This is one of the sweetest victories of my career. He did that was exactly the houston said he was cramping like hell and yeah he was. He was pleased that he was able to still win and said he was able to. I think crucially hit serves hard and he. I think he probably served the best served or match right down the stretch. But i mean we have seen him injured before and still still win. Cramping different because it was. He just couldn't couldn't walk. So how'd you play. He buddy was laughing about. He had a very good attitude to it. Actually but it did put me in. Mind that twenty nine thousand nine. Us open run where there was one man in particular i think against hugo de leon where i thought his tournament was about to be over because he couldn't couldn't function bodily and yet he went on to reach the final so i wasn't wasn't totally surprised that he managed to play through it and win. I think if anyone can do it he can. Yeah i mean even when it was becoming comical owes a bit like nobis. Do i mean the more the more injured e looks the more likely is to win and then again as you say cramping is different but i just kept on thinking about yeah that. Us open run when he was held together by sticky tape and suffering throughout the duration from acute. Clark of bicep is is of wilkes diagnosed. It and it's still reached the final enormous one thing so yes. The trump trump is different. He's had a day off today. The women that played yesterday haven't had the day off. And i do worry for them a little bit more but i think you'll be fine. I'm not sure that the normal rules apply alexi. Pop rin tell tell us about lexi popper him. Because i think he's twenty one years of age and this is the first time that i've sat up and looked at him in a different way. He's always been this tall gangly adolescent light frame. I've always store and just doesn't look a grownup yet. And i was waiting for him to play like a junior in the match and he didn't well. I think we've already seen that performance. The playing like genius against to new method of performance certainly matinee have we. We had we had completely unplanned visit to watch Pawprint against medvedev the australian open last year. We try to watch the match of the day if not the week between carriers and had been turned away. Matt's had to hold me back from getting involved in grave with a with a slightly over officious australian stuart and so we ended up. So i'm in a bad news and charging rhode labor arenas okay okay alexi peretz whatever it is and i mean it was barely contest was it. It was just it was nothing was mon against boy and medvedev. Would i know you've been. What twenty three. Maybe twenty three. I think the time say. I was surprised by what he showed us yesterday. he's working with dominik hrbaty. The slovak player is a coach and as asking taniela hantuchova little about him so she she slovak one hopping together. I think can go back a long way. And she said look he. He would not bother working with somebody that wasn't prepared to do whatever it takes. She said he is a toss como esta. She said she would have looked him in the eye and said you're going to give me everything before. He said yes to that. Coaching gig. Oversea oversee really got something about him and and the opportunity. Well actually i was going to say. The opportunity presented itself to him to show the essay. The opportunity didn't really present itself. It looked very much like it was going to be a vaguely competitive straight-sets wind from evan popper and forced it to be different. I'm sure he would like tavist time again. Facing a very hampered opponent got a massive for he rocked mid that four hundred. He took it off him for a while. You know you took the match away and dominik hrbaty is somebody. I got to know when i was on the tour as a communications manager. He was in this part of his career and yeah he was relentless as a player just a side to side type plan. Just come on. Let's duke it out from the baseline and and yeah. I can imagine how how hard he would get the guy training. And i think popper and clearly a very talented guy. But i've spent cash about him in the past and he. He writes him as a talent and he helped him and his volleys a little bit. But that i think he's probably also come from a fairly privileged background. I think he's some some money behind him family wise and yet it's it'll come out if if the desire the just desperation to be the best you can. And that's a good higher in that way. I think the jessica pergola men's tennis whose story goes on matt how many times she beaten caroline applicable now in the last three weeks three times a month. Which is the same number of times that love has beaten future vicks. I was trying to think of precedent. Then could think of was when federal sanga in three sundays in a row the end of twenty eleven. They met in the paris fino than the first day of the finals finals and then the final. Atp finals but it's been an absolute beatdown from peculiar and rube live on on fiscal. Fix month per gula place converse. Especially i think most people would expect rublev to beat fuca vicks every time they play. It's obvious the unfortunate for future. They kept drawing him and he actually said when they left the court in dubai. Hope are never play again this year and he had to find the next week. But padilla chris is. Is i think more glaring partly because of the scores. It was six three six one in doha. Six love six two and dubai and it was six one four one in miami yesterday. It looked like it was just going to be another thrashing and then. I couldn't really tell what happened. It seemed as though peculiar game just fell apart and suddenly discover was a break up in the third-set until peculiar got it back together and won the last four games of the match she. She looked so comfortable in that matchup. And i think one of the criticisms i would have discover is is. She is quite tactically inflexible. She is what she is as a tennis player. And it it strikes me that gula has totally figured out and she goes onto the court knowing what she's gonna get an thinking if i can execute my game which is quite a similar game. Hit the ball hard. hit it flat. If i can get that first strike in i can. I can beat her and she's doing exactly that she is. She looks better player than prescriber when when they both come up against each other and that's a real testament to how much cooler has improved in the last few months but also a indication of i think of his regression to be honest. I'm wondering about that. Sasha buying coaching relationship is he. There i didn't i couldn't see him didn't pay in miami if he is keeping a very low profile because i haven't seen him but there's a bit of the steve bruce's about that position at the moment. Say steve bruce. Pretty it doesn't it is the newcastle united manager. Who is on thin ice surely surely be the case. So who's my family just means after every loss the question comes up you. Will this be the loss that cost him his job. Will it be the inevitable next loss. Mike ashley is in the karen applicable world anyway. Moving on onstage managed to get a win yesterday over severe cannon. This i think was after jabber was on the ground in the previous round. I mean looking in a terrible state due to do cramping and and heat exhaustion. I'm just trying to remember who it was. That sherbert played. It was powerless. Dosa one seven six five seven seven five and then followed it straight up with this win over cannon. Which is a crack in win. Isn't it jabber now. Plays against sarah serie tormo. Who's who's been on a fantastic runner south recently. Yeah first time japa- had beaten cannon ever. She lost the last five matches. Never wanna set. So that's a really big deal for her and kenan didn't have her best tennis. She improved as the match went on and she was as you would expect and made it tough and competitive and actually had a break in the in the deciding set but it just seemed like chipper suddenly flicked a switch and decided right. Okay i'm gonna take over now. And she has an ability to inject pace on her forehand backhand fire off some winners and also dropshots as well. She's actually dropped shot. Returning the kennan serve which i always think is a bit of a. It's a bit of a troll and when players do that. I'm going to. I'm going to do that to control a serve coming to unintentionally. Yeah that's the best time. And when you least expect surprise your opponent and yourself correct. Yeah but jabbar makes it makes it a tactic. It's very fun to watch really day. She's one of the next round matches we've got in the men's is janik center against emil. Roussev fori who's a play with four us in his surname which is impressive. I think they play quite similarly. Idt false dot com Big forehand knin. Is that ninja-like. Tennis i put the man rebe love in that sort of ninja category roosevelt shepherd beats yes and is double backed it up. His last win was ever make all emma yesterday. In the nordic clash. He was the better player in that but he he had. He took three bites of the cherry to serve it out. It was. I was very invested in those bites at the cherry because my my finish time dependent on dependent on every time he failed My dinner gaunt. My dinner and gin and tonic and up poaching andrew time got just a little bit further away are found out about the contents of your dinner on the whatsapp chat messages as well Well i forgot to have. Dinner forgot slash. This was too busy to have dinner. I'm i'm just suddenly got. I'm so hungry and obviously in this situation oven. Chips is the natural solution. Say i i too perfect jenex bowl of oven chips and i watched andrew ski were anisimov over and i thought oh indoor. Hammock could make this better. You found one or thing Well it is a thing. It requires You need to have a beam to attach it to. You can't just put it in plastic as any ceiling. Come down so. I think what i'm gonna wind up with is a sort of indo some lounger right. What about bed. Essentially we're trying to achieve is a bed in a way to have a bed in my living room to beds catherine you've seen you've seen right through me. It's okay yes. I don't own in chips. You know david that is mental. Wrote my own and make your make chips. Some of us can too much time if you want quality Right now those results that we've had so far pretty much just just to have a quick look at some of the matches that that gives a stunning evidence against frances. Tiafoe is a rematch. I think one. I saw maybe the us open or one of the summer hardcourt tournaments which was one of the most one sided matches. I've ever seen tiafoe just completely lost it in that match method of was brilliant but really got himself gun. Hasn't he got a win. Over done evans in three cents from a set down the other day and it feels when we were talking. I think at the australian open. He pushed jock rich about how he's turned himself around. I think he's just sort of used. The period of the pandemic and looked set himself and thought it actually not happy about the results from getting really. I've got a. I've got a reboot here. And he did. That's one of the best matches of sending play the domenici. Play to be evans from a set down. What are you saying. Oh absolutely me too. It was a much that slightly reframed. The way i think of frances tiafoe read those quotes about him and his new perspective that yet seen a couple of matches whether it traces traces of evidence but i previously preps thought of him as a little bit flaky in terms of competitiveness and staying power at a much and there was just not a hint of that against on evans. I didn't give him much of a chance of a set down against evans and he just don't be turned it on and just it was really quite sensational. Actually the way. He just suddenly started hitting winners and seemed to get physically stronger. Is the much went on. I mean there's no dousing his his physicality and if medvedev is suffering just a little bit then then who knows. But i think he will. He will need it to be physical to challenge method and his moustache earlier. Medvedev's fun memphis. That's not fun. I endorsed the way he's talking about the mustache is i'm sort of sort of trying something he said. I'm not gonna do that. Weird thing where. If i win with the moustache keep it. Yeah he knows it looks bad. Yeah all the medvedev moustache which there is an entire article on the website if anybody wants further information about it yeah struggling stories without the big three. I was young in the eighties. Moustaches were a thing. That's what you had not. You had like a. You had a full sort of ian rush. They didn't eat. That's not what medvedev has tom servic. I mean those yeah method. I've just looks so someone's doodle on his upper lip alani jealous. Because i can't. I can't even manage that right. Okay well probably the most interesting matches in the women's in the men's draw in the women's draw. Take your pick including ashburn against arena. Sabah lanka in the quarter-finals thrashed von drew. Shiva drove at six one six to a little bit earlier today. Patrick of italy we're talking about the weather was was amazing against you. Hannah concert in a night match when it was nice and cool. She'll be two six one six two. She then won the first six to today against a lena. Selena and. I was really worried for patrick of health at the end of her match against switzerland or in the height of the heat because she lost the next two seven five seven five she was going medvedev style cramping and just i'm glad she walked off the court with a smile on her face. Not looking too bad anyway but fit and just it was her perfect type of match and she one through so so startling now faces either of or call new which is going on at the moment and sampling best-ever and bharti and then we've got jabber or saribas tormo against either mussa or and rescue. I mean there's just so many blend matches is awesome. Say many lemon matches three best tormo. Incidentally i mean this is a stop that could be up to date. By the time this even gets uploaded but the last person to beat naming soccer a really months ago. It's a good staff lot. A few other points of interest in sweden last spoke to you on thursday of last week. Which is when we we gave details of passaic meltdown on the court that was followed in the next day or so by several of the players who are members of pre the pga. The professional tennis players association janis. Ner said what happened with vasic. Pospisil was unfortunate emotions. Got the best of him and unfortunately that happens. Sometimes factor remains that he spent countless hours fighting on behalf of his colleagues on the hbo better days ahead for asheq and the players. This was with the hashtag players voice which is all the players who are commenting on twitter. Were using with their tweet. So this was clearly coordinated efforts of some kind ryan harrison said. He's a great guy with huge hearty spent countless hours and headaches on behalf of all players the stress of what you bring to the court can be overwhelming. and now that djokovic from his home thinking monte-carlo or maybe in serbia at the mountain not sure he said concerning matters at hand. I am not in miami. How russia pospisil is my good friend. And i empathize with him. Wholeheartedly players on tour would agree that. He's an individual of the highest integrity. Who cares about the well. Being of his fellow players are hopeful players. Recognize the importance of standing together. So they've all had their say they've all said very very similar things. Say we don't know exactly what happens between pospisil and gardens e andrea gannon's the show all chairman which seems to ignite the fury of pospisil on the court. But it's it's another stage of the discussion and i. I was somewhat taken aback. When i had my attention drawn to an article and interview with pospisil back in september and the tennis majors website. When he said. I personally really like andrea ganzi and massimo cavaliere. The i think they're really great. Guys men of principle competent and smart so things have taken a pretty dramatic turn for the worst in the last six months governor for him to turn in quite the way that he did. Yeah i mean. I'm interested to know you know which saying in his tweet. I empathize with pospisil's concerns. We still haven't seen a comprehensive detailed list of the concerns and what they hope to achieve. We now just have hashtag. That's that's the only development since the last time we talked about this. We have hashtag my now. He's orchestrating the hashtag behind the scenes. He's unifying effort. And i i would like to know And potentially worries me with the dot is a murky area. What i what i would say is excusing Pospisil behavior on the grounds of getting over emotional in the heat of the moment is is not a luxury that's always afforded to women or female tennis players or women of any kind ever So said that's just a point. I'd like to make an also searched. I i'm i'm a little bit to pick out individuals but i saw a tweet from from tara more. The british play this week trying to unite female players behind this pga has played voice thing and she. She's an a very unfortunate turn of phrase for me about not letting men fight your bustles and lithuania. She has a particular respected perspective. Being low lower ranked player feeling neglected by organizations. And that very well may be the case again. Let's let's hear the details of your concerns and the evidence to back it up but if you think pospisil's fighting women's tennis is battles for you. I think think you're probably mistaken about that. Certainly on the basis of the evidence. I've seen happening. He has said that he has reached out to the female tennis players. And ask them to be part of this the same. Cpa believe in equal prize money. Good question and it should be said that we. We haven't actually heard from either women about this this subject. We've had a lot of them saying the likes of aranka jump out to me. A lot of the making quite pointed remarks and venus williams things quite pointed smoothly drinking saying auto parts of that will certainly saying using perspective very pointedly and talking about unity and the need to unify. I think there have been some some timely pointed remarks in that direction. The date specifically reference the pta. I should say other. What are the sad things is that. I actually think that we've talked for many many years about the challenges. The structure of the atp and the wti provides in terms of being a jointly owned circuit and therefore it is difficult to to get to effectively competing groups players in tournaments in terms of the negotiations pushing in the same direction. That is that is difficult. If you are a combined tool and and it's it's it's something that they've managed to kind of trouble along with over the years one way or another and we we referenced. Andy roddick seth. Its success ten years ago to get extra prize so there may well be a very good case for having a players union players or as players association that does all the negotiating on the players. Let's hear the case. It's just that to do it right now. In the middle of a pandemic when the sport is bleeding struggling when everybody within it is struggling and to make it a big thing. Just just doesn't i don't know it just doesn't feel right to me. It's and look the they're not winning. Many friends i think around the world generally yes. The may be the bubbles of people that follow these specific players. But you know it does. It does concern me that. By the time they get their act together there may have just used up so much of their capital with people and goodwill that it may struggle to get much support. And i mean interesting as well. That tennis majors article vashem passer was asked specifically is justin gimelstob involved in this. Because of course he was previously a part of the atp player board before he stepped down when when his case was being hurt and he said at the time. This back in september said he's not included at all. I've had so many questions about this. He's not. I haven't had a conversation with him. I guess since he left the tour he's not involved tall. You might wanna ask novak. But there's nothing that i'm aware of so translate directly. No well i've heard from a few people that reckon. That may no longer the case and he may have some something to to some sort of role behind the scenes. That is is influencing. What's being said. And what's happening at the moment between concern. So he tweeted today to say he was quoting the novak djokovic. Tweet that you read out. he said. In the complicated relationship between ownership labor talent has always been as a fundamental disadvantage based on a lack of institutional knowledge disproportionate access to material info and the reality talent understandably needs needs to focus on performing if talent is not fervently an exceedingly competently represented. They will undoubtedly be steam. Steamrolled in any so-called partnership. Make no mistake. Transparent equitable partnership actually protects any partnership. And what is sorely missing in the atp tall. Antennas overall catchy. So i think. I think he's involved. I think he's also by the way. It doesn't feel that long ago. The they're having a go about. Andre ganzi campaigning for chris commode to be to be got rid of so so. It's all of a mess. I'm afraid and let's not forget the just again just a tweet. There's no no manifesto or detail evidence in that casual claim about inevitably in this setup. The week whatever the players will will be ousted world. It didn't simon. Simon briggs have a piece of war which detailed the devoting history on the board and actually more often than not. They did vote with the players. Chris komo said that to you david when he when you spoke to him he said that he at the deciding vote and most of the time he sided with the player's head of the tournaments. Yeah that's right so anyway. That's the latest We'll hear more at some point And we'll bring you up to date with it when we do so. Let's bring this one to a close We mentioned ama- is oats. Who is owned by rose mercier. Who's one of our longtime supporters. Thank you ever so much rose. A fourteen year old is it lasts less but he knows i don't know much about dogs but anyway catherine gonna present live tv rose so very very much politic for my failure to do justice however we will get more details from for newsletter which will be going out in in the next forty eight hours and you'll be able to pitch and his belt. Because i've already seen a picture. So i'd also like to say hello to roque who's sponsoring me Rogue is wonderful cat. Catherine is sponsored by zeus the magnificent canine matters got scalpels. Maricel billie jean. Got billie jean king. Which is the best and chris. How is executive producer and matt a believe we have shelters yes and i should say that in the last show when we did shout together david. We actually forgot to thank everyone. Thank you to all those people that i named and commentated on but didn't think so. We will be sure to thank the following peephole. They are judy singleton. Thanks judeh. Judy could be a top coach of a british tennis player. I know exactly way again with that. Catherine leap lazar. Oh my word tastic name as she fro that is that is catherine spelled differently to our katherine with a k. With the why as well but katherine leap blow. That's fantastic from catherine it's the best name And i think. I mean a play with a name light. That is winning the tournament in acapulco on a yearly basis why acapulco wa- and julie leave thought julie julie's commentator who is going to sit alongside me in the country box and talk about the latest goings on at wimbledon. She didn't know that but she is. So julie thanks so much. Jenny thanks so much for your catherine's guns talk about tennis on telly. Because that's what she does for living when she's not talking to us. We'll be back again on thursday with another update to miami which used to be going on forever. We don't care because we just sit here for now and talk about it in the aftermath and we'll be back then to talk to you. Thanks so much. Company lives a review on. I tunes if you haven't already tell you friends to listen and we'll speak to your thursday.
049 - Autoconhecimento (no) gera alta performance
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Otakunizados Podcast | 1X03 | Yakuza: Like a Dragon
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T3 | E4 Un semforo para aprender
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Cepa Delta y millones de vacunas que donar Espaa.
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Exit Rich with Michelle Seiler Tucker
"Welcome to the dave thomas. Show the podcast that fives restores and awakens your innermost capability. You have the training and the talent to succeed but do you have the guts to fail. I love what i do. We love what you do. You want to be the best at it. Today is about the power you you will change to find your path to success through the journey of those who have succeeded and now your host. Dave pomme. Welcome back today. Promise show today. I have someone who is the founder and ceo of cedar cedar takata inc. She's also the best selling author of the book. Sell your business for more than it's worth and her latest book exit rich michelle cedar tucker welcome today palm. Show thank you. Thanks for having me david. Sa- pleasure to be here pleasure to have you here as well. Michelle pleasure to happy here. And i very we'd be two books you've just recent recently published one but before we talk about your telling me about is so how did you originally get into merging in acquisition. So i've always been interested in. Mercia i never. I never thought. Oh my gosh. Didn't get into 'em and i wasn't off. Connie really after it was it was kind of a transition but anyway. I've always been interested in entrepreneurship own different small businesses. I did work for corporate america. Recently i worked xerox lot of year and then after xerox transition into franchise sales stretches development francesa and salty and then i transitioned into selling businesses. I i started selling small businesses. I copy shops restaurants things of that nature very quickly. transitioned into selling businesses. Tim million dollars up purchase price and now we saw businesses. You know seventy five million up so we. We sell smaller businesses as well Relig transition into fixing business because most businesses are not sellable. Eight out of ten businesses will not sell according to steve forbes steve forbes also endorsed exit rich so i thought gosh if i i don't want to starve to death and you learn how to fix the businesses and get them ready to to sow so we really specialize in victim buying selling in growing either businesses and flip on my point business owners investment my time money expertise and putting them on the bill cellphone. Fuss all voted. I'm sure people have heard of of student. Sounds quite unique. What you do. You know very niche. I've only heard about houses being flipped to fixed and stuff like that. We've property but not so much business. I know business do need working on the obviously people in business especially in this time. Now we what's going on with the cove or some some are doing well. some obviously been affected unit. So it's quite interesting that you've done so have you always been interested in an actual flair for it too. You know what you're telling me or or did it just evolved that way when you go into business have always been in. What have you always been into in businesses fixing businesses. All i mean i kind of evolved into fixing selling businesses For about twenty. Twenty years now. Before that i was involved in and buying selling fixing growing franchisees man franchise consulting and friendship cells address transition into selling businesses. So i've been i've been for about twenty years. I personally have sold over five hundred companies and my team has saw more more the nats so my team along with me and sold over one thousand yeah fusion number so Your second books exit rich. Yeah my yes. My third book is exit. Reg all right okay. So you're so your business for more than it's worth is your is your second bullpen cherry. Business for more than it's worth is my first. That was only thirteen. And then i wrote a chapter in thinking girl rich. I look i wrote this not published yet and it's on the acquisition side except rich. I wrote in two thousand nineteen twenty twenty. Let's see let's see so. I mean we with these folks. Why did you write the book you present book. I like to ride. I've always been a writer as a kid. I think it's you know. I think it's it's good to to help. Educate business owners. You know that there is a better way to run your business. To grow your business. To build your business owes actually sellable not become a statistic. The business landscape has really changed dramatically. It used to be. When i wrote sorry business for working twenty thirteen startup you know the startup or had about ninety five percents go you right so does one to five years all the most risky and about ninety percent of those businesses. We'll go to business but then went on will exit rich in nineteen twenty twenty points at the exact same research and learned that the business landscape has really what so now only thirty percent of startups go out of business only thirty percent however out of twenty seven point six million businesses those businesses have been in business ten years longer seventy percents. Those companies will go out of business seven zero to see how it is and you hear about the public companies all the time like toys rasping business seventy five years business guy bar pier one kmart. Jc penney montgomery ward Our favorite chocolate godiva is in trouble closing down fifteen hundred locations but what. You're not hearing about other private companies. Run every street corner in every town. Every state across america and he's businesses are going to be forced into selling pennies on the dollar. Yeah that'd be a forest and enclosing. Your doors mawass filing bankruptcy and in america when you fall of bankrupt filed bankruptcy. You don't just lose your business. You lose your personal assets as well because most business owners pierced corporate veil. Because i take out personal guarantees are gonna take a mortgage out against their home. You know serious isn't it is quite sure i mean you do hear stories about some really going crashing down and all my slightly offering stories obviously to in june. The you know the last night and sixty. Now it's pretty ruthless these numbers. I'm giving you a cold dead the night so you know people have to wake up. I mean it's just shocking to me. How many people don't know that the history of another statistics shocking me. The business owners don't know that eighty percent businesses up from so long sell ishak immediate business owners don't know that seventy percent of businesses have been in business ten years longer it. We'll go out of business. I mean this is. This is business owners livelihood and they don't know the facts so see also and i mean. Obviously you're you're seems the answers we'd be bought in the work you're doing but what do i do. I do have the answers and the answers are an exit rich. And it's a step by step blueprint biggest answer to the biggest answer to to Being musalia business one day yep and is two things number one nine your exit from day one of starting buying your business so many business owners. Don't think about some business. Don't think about it. Like anisimov with the bank has occurred. Rather that's internal or external and you know all could be health issues. Ponderous boots divorce staff. Extra no colbrad. And that's a worst time to sell your business. Your business is going down. The best time to sell. The maximize profit is businesses in. Its prime so business on really. Have to think about their business as a business. Not as a baby ac- this must business owners like this is my baby ever. There is no such thing as forever down was whether we it's because there's this kind of power thing and it's kind like well. I'm the founder and blah blah You know i mean some people. It's almost like well. You still want to work for a living. It's kinda like they're doing it as if it's work still rather than being an entrepreneur which is like. Oh my start the opposite. Is that really so. I mean this different ways that people have their mindset around the business they start a business because it's oh this is just earning a living rather than you know. I'm gonna make a profit and is of stocks and shares. Isn't it really you sell. The ship then went but then when they're eight years old and are ready to retire and enjoy the fruits of their labor to sell a blast. It's too late because they never treated it like a business treated it as a hot Job and most most business owners who who think that they've created a business have really just created a glorified job than we should go to walk to for every day versus a business actually works for them so i just i just feel like entrepreneurs need to wake up. Wake up they needed. They need an extra rich. I talk about the st gps exit model. So what is what is an exit model. It's a plan. And that's that's the biggest thing that that entrepreneurs are lacking is the plan. Yes so they really need to start somewhere and and to me. The best place to start is this okay. What's my in game. You know when you want to drive somewhere and you've never been there. What do you do you pull out your phone. You go to google maps and you type in your destination right justification. Same thing with an a business owner. They need to type in their destination. Wants to drive to what their in game is with your desire pice tickets. Most business owners don't have plans. Were just driving around in circles. Down the joe hills to wind up nowhere are wind up out of business so really they should start with the end in mind and say okay. Well i want to sell my business for fifteen million dollars. Fifteen million dollars right now. We have a number not is relevant. What's relevant is to have a real action plan. No oh man plan exit plan right so that's completely different business. Play right. I say ok. Tedi things right. Okay narrates you government. Things that i say. This is what i want to sell. My company for. This is my game. This is my desire to solve spices destination. Which let's say it's fifteen dollars Pick a number then the next equation and the accident plan now that you know where you're going is typically out where you're starting frahm so that. Gps needs to know your location valuation. Most business owners been in business. You know i talked to business. Owners to spend a business forty years never had a business valuation that which is financial suicide. I mean we go to the doctors once a year to get up on. Get a physical checkup. We bring our cars to the mechanic to get a check checkup on our automobiles. But we don't take a business to get evaluation checkup. Which is insanity financial suicide. You always want to know what your business is worth every year because there are events that can cause your business to increase. Anarchistic can cause business to decrease kobina's caused a lot of businesses should decrease in value. All other industries has caused to increase in value. So you wanted to where you're starting from so if you want to sell for fifteen million dollars currently five million dollars well you gotta gain timberline dollars. Okay now you need to know in. Gps excellent what your timeframe. So now you know you want to sell fifteen fifteen million destination. You're court locations. Five million timeframe is ten years. Now what do you need to know ninety. No who's your buyers buyer but buyers spy types of buyers and not going to be a first time buyer because they can't afford a fifty million dollar company is not going to be a turnaround specialist because they buy distressed assets. So it's gonna be a pag a private equity group strategic clash competitor or serial entrepreneur. Then you need to know gosh following self fifty million dollars. What is my financial new-look art wars top line. Gross revenues need to be my profit margins most importantly my eba earnings before interest taxes depreciation amortization. Where does that number needs to be. So if you want to sell for fifteen million dollars you need to have a ebitda between two million two million dollars and then next in the equation is what are the buyers. Ristic's what are they looking for synergies. Are they willing to pay for. And so so. Then you need to build that business to meet them buyers financial you know financial Goes plus there are synergies that they're looking pay for suit. Since can you explain to us. Who the five different types of buyers are. While number one is the first time buyers ninety percent of business buyers a first time buyers they they by small businesses via copy shops restaurants by laundromats. And then you have terror specialists by distressed assets and they typically use the assets of the of the business leverage the buyout. So they're coming up with no money and then you have equity goes up. By based upon platforms adams a platform is less than they wanna get in the manufacturing space food manufacturing and are not into manufacturing right. Now they won't even consider a manufacturing company less. It has at least three to five million dollars. Niba saw three to five hundred dollars any but you'll never be considered for a platform. Now anatomies already in food manufacturing look into by out on so maybe they see may find a frozen food company. That's undermined dollars a year. But they'll look at smaller businesses for adam's then you have competitors in strategic competitor strategic skippy. Okay bye synergies. They're looking for their synergies. That will catapult their current existing location the current existing business tutor to the next level. So for instance. I a strategic might be Might be looking to to buy a company that has patents. Because they don't have any pounds. Or i might be looking to buy a company has a certain contract. I mean we want Appraised oil manufacturing business or nine point eight million dollars that had three patterns they had sixty five percent concentration into one client which was bp five hundred and fifty hours twelve allies. In this one veal. We found a strategic last competitor. Everybody else was fearful of customer concentration. This buyer was not fearful at all This bar wanted the bp contract. They have been Trying to get their products and services for decades and were never successful. So i figured if i buy this business that has existing contract with bp will be able to get our current products and services in that so they paid fifteen million dollars for a company that was for nine point eight million and Which was which was a hundred and twenty six thousand one hundred twenty six percent. More with the business was appraised for because they pay fifteen million for seventy percents versus nine point eight million four. I had to say so much maths. It normally figures on trying to keep up. Yeah so anyway. They bought the company because it was it was a strategic by to them. The last that type of our is severe sophisticated entrepreneur. There were industry agnostic. They chase cashflow. Okay so the one chasing cash flow overseas looking for just a live. Business is highly profit at a peak. You would say really just really really. I mean they're not gonna buy they're not gonna that's right. Yeah yeah yeah. By distressed assets the biffing and talk about the s t six p. method to sell so your business for huge profits can what the six ps are and why they're so important of course so the number reason businesses don't sal yes because businesses tied to the owner and the owner leads. There is no business perfect example genesis and business forty five years straight. Dental hygienists dentists. He leaves patients. Leave your so you need to. You need to build notch this business but you gotta be build people. You don't don't have business built on people build a business for you in with you. So entrepreneurs are had that habits a you everything themselves quite control rates so entrepreneurs really need to focus on their strengths and weaknesses. Focus on a string saw their witnesses and make sure you have the right people in the right seats and announced the who question who opens the door who does a customer relations marketing. Who doesn't quality control. Your mood doesn't legal team. Sammy manufacturing distribution. You know Logistics environmental the key. Here is years and never be next to the new roy. Because you need the business one without you. So dave name should never ever be next to any of the. Who's kind of that saying you can any busy. You want to be what can on your business you want to be working on your business. I've been saying that a thousand times. Now i to work on your business in your business. Most entrepreneurs work in their business and you never raw. You will never ever grow unless you let go of control run. It got control controller. Go sit says that. The i p over people people will ryo say okay. Yeah i and a number two is products right. So you got to ask yourself. Is your product your industry on the way up or no way out riding or dying. Do you have a blockbuster or do you have an amazon. So if you have an ambulance on your way of you have a blockbuster about the guate- business let's just kidding. Well blockbuster had the opportunity to purchase nap and sat back back. Did nothing to now. Yeah yeah now. That was a really dumb business. Move on behalf So panic very important. Because you're you could go on a business immediately if you don't have the right. Parts of the right industry nationalist happy. This was happening with record mortar locations. That's what's happening with restaurants because they lack another p which is pivot right. You have to always have the crowd. Virus isn't it was that this has been a big during the coronavirus pivot. It should it should always be a key word because even before cova it's businesses are going out of business has been a business ten years because business owners stopped doing what i call aim roy aim is always innovate and market always. Innovate and market day stopped. Innovating may stop marketing. They just became complacent. And that's why they're going out of business. Raw product is very important Therapy has processes you know. Most business owners don't think about processes just like i don't think about the exit strategy so they have to and processes should really be designed the beginning tweets as you go but they should be designed with the customer experience in mind meaning that the process should be designed to make sure that you've delivered how customer experiences at you always keep the clients. Happy because if you don't keep replying at somebody else will though processes are huge They need to be efficient they to be productive than need. Be well documented. You need have sap checklists and your employees should be trained on all and then the fourth is proprietary so proprietors probably one of the highest valued. Lovers by terry can can help you get a higher multiple often for your business. So most businesses are calculated of a multiple. The eba and under a million dollars in eba you know can be anywhere from one and a half to four over a million dollars and even us capably liven up and if you have certain synergies in place you can get six seven eight nine ten you know but you gotta abused proprietary proprietary those synergies. That buyers will pay top dollar for number. One is brandy have to ask yourself. How well branded is your company. The more well branded you are your business for as long as your brand is relevant in the mind of the consumers what you mean. Does anybody wanna pay any money for blockbuster. Anybody western brand in the world. Who do you think is the biggest brand it flicks guess no big brands. Sorry oh you've got me down on amazon valuable brand. It's another way apple apple two hundred. I wanted to turn forty nine billion two hundred eight nine billion somewhere. It's a b but yeah yeh me. And that's just for the brand that's about the acids real estate eba as just the brand alone so builder and you can save your business for a lot more money. Trademarks are also valuable especially in the united states But most business owners make the mistake when they opened a business. They'd just go get a state trademark. Like let's say the opening up in texas guess stay trained in texas but they never checked database and get a federal trademark. So trey monster huge. You always wanna make sure you protect your company name. Respect your intellectual team. Yeah that's the same thing with patten's protect your invention. Yes do you ever watch shark tank. What has steelers at kind of play. Flavors which has shark tank shark tank bake shop tungkang. Yeah i think you had to involvement with someone with sean de or now as involved in the pitch tank airs shark tank is a couple of investors and a tv show. They always ask you have a patent on his german. Patent painting have utility patents designed him. So you wanna get patents. Also contracts are very valuable. Just told his story wall or a client one hundred twenty six a buyer business mark pittance six percent more money for business because he wanted to be. Bp contract so contracts manufacturing distribution franchise all contracts are franchisees any exclusivity contracts client contracts are extremely valuable because buyers will pay a lot more money for that but you wanna make sure you have their transferability clause in those contracts run and and databases is another big big synergistic run and i i databases as in because you know. There's this big thing about data as one legal things around people's email addresses and finally. I know obviously you're talking about something much bigger but now i'm kalganov databases. I'm talking about clients right. Okay your crm your customer paramount. Okay yeah yeah based pay pays for paying nineteen billion dollars for whatsapp. Whatsapp was hemorrhaging money. But then olien users enter data base and facebook knew that can monetize all i that so your data is extremely valuable. Extremely yeah and The other thing is like it real estate anytime. You have a celebrity endorsement. Like say you have skin. Line oprah winfrey endorsed your products. That's huge Let's say that you manufacture furniture neuron one on wet. See i mean at sea not call spell. Eight ecommerce lies is huge. Fifty s patriots. This is your customer base in the united states. Most by most business owners follow the eighty twenty rule where eighty percent of the customers from from twenty percent of their clients. The problem with that scenario is if you lose a couple of clients you can literally be on a business that you want customers vacation not customer concentration and then the last is so i was gonna say everyone was talk about nation and having a target audience and things aren't so that's that's a customer concentration. Isn't it robby. you've been have a target audience. You need. I mean we i own. I own a company on partners with a company that says vehicle wraps graphics and bill carafes for first responders on customers are first responders. Roy customers are not companies so that we wrapped ambulances wrap the fire trucks who lap the police rina what we don't need a different customer base because there are first responders in every city in every state across america yes and plus then we can go to canada and we can go to other countries i was. I was his first responders. So companies in texas and so we have enough client base to keep us really really really busy. Roy and we can't expand and other cities and other states and even other countries necessarily have to expand into commercial. There's is so bad. yes but we don't have concentration because and we have sixty or seventy percent of revenue tied up with one in a playstation. Then yes that would be an issue but we don't. We have custody. Patient within our niche rights weaving. Ok p as popperwitz. Everyone's interested in that. They are always come to me and say michelle a prophet problem. I'm like no you don't have a problem. The other people problem right. Okay process problem officer. Never the problem. Lack apartments are never the problem. Lack apartments are always a symptom symptom of not operating on one of the other. Five beats. you don't have the right processes in place to guarantee you gonna lose money if you don't have the right people you're gonna lose money if you're if you're on a dying product dine industry. You're going to lose money so get the five p's right and then you'll make lots of money or never have a profit problem. Well that's the infrastructure to building a sellable business buyers will create a bidding war for you top dollar right so when you put yourself in being paid or wants to be paid. Can you walk us through. How a business can be evaluated before that and sorry. What did y'all can i way before. Yes so could you walk us through. How a business can get evaluated. Yes yup business owners shrugging evaluate as they should all have not a cpa cpa's donald not of all created equal. None of them. Not all of them. Know how value businesses you really wanna mergers and acquisitions professional experts. You do evaluation and do it. Once a year for you and The evaluation process. You know. it's it's it's it's really time. 'cause it's hard for us because most sellers are not organized. Meaning that the biggest time-waster for us is waiting on business. Owners to get financials together and some take six months game together. I've had them take over a year or longer. So you really want to have all your ducks in a row. You wanna have financials. That's that's step one so we always need to get tax returns. You know four hundred five years of tax returns statements cash flow statements if they have them balance sheets And and you know we also wanna get any personal expenses or nonrecurring that they're running through the business earning through a travel entertainment automobiles things of that nature. We're going to run all non-necessary business expenses back. This is normalizing the financials and then all non-recurring will so the ruining to get all the financials together and then the bigger issue is they don't remember what they're gonna do. Their business really should be keeping a month. Way annual spreadsheet each year every month and cavalli's under okay. This is how much mills is how much entertainment. This is a health insurance life insurance. This is our you know fall when cave. This is our This is our donations. This is our charity guard charge. You know and and write it all down because no one can look at. The tax returns italian business. Pnl's are not always clear either. So then we normalize intials and then you know we evaluate businesses on six different methods. Most emanate advisors will do two or three but we look at the asset approach. We'll get discounted cash flow market. Approach industry approach We also look at what we call the six pedes. Roy what we just talked about the show and then if the business housing over a million dollars need but i will probably go to market without a price because whenever you have that threshold over nine dollars in aid but i you have more buyers law. There's always more buyers good businesses in our businesses to buy see. Okay well How do you actually create bidding wars amongst buyers. Well of stuff. I've been talking about is number one going through the sixties with our clients to identify with those synergistic opportunities are and And then Going out to the buyers because we know the five types of ours we have over twenty five win eight thousand miles database and we know what bars are willing to pay. What for a certain synergy. So we'll we'll put it out there on the market and sometimes we just shrunk shins sometimes jones. It just really depends upon less than most important things are sellers and so we know that we're going to have hundreds of hours looking at one business. If the ebert million the higher the are the more buyers will typically have and then we And and then we get buyers. Just start putting in their bids. And that's how we could really one bar. Who wants it. the most will pay the most. Okay so what. Some of the key things. One should look for in a merger acquisition advisor. So it's really important when you hire an adviser you know. I've seen business owners hire real estate agents to sell their business and it's kind of like saying you know i need a heart surgery but i'm not gonna to get off heart specialist. Incest you wanna make sure you hire a true mergers and acquisitions advisor not somewhere sells copy shops restaurants or roy visa reenters. Nothing wrong with selling that that you know. And if that's what you have and that's okay that's what business walker visitors coker sell smaller businesses advisor so much larger transactions. You know typically like i said going up and so you asked adviser how much experience you have. How many does have you done. And what verticals i mean. We've done over thousand deals in every vertical you can think of and what verticals What is your crm. Look like. How many buyers do you. How do you evaluate businesses in a. Have you ever created anymore. Have you ever done structured auctions. You know Who who owns the business. Who makes the decision on advertising budget. Who decides how much money to spend. You know how many people are in your farm. How do i know my business will get the right attention who who is going to be working on my business. I mean there's this all these questions the you should be asking in and you know how what is your method of evaluation. 'cause a lot of visors are disorder. Takers client says. I want twenty nine dollars for the business and rounded up twenty nine dollars. But they're not doing a thorough evaluation and then do they create a semi confidential Information memorandum on your business like a perspective to they create that wrong now what how do they qualify buyers all they involved every step of the way because a lot of advisors must step back the attorneys and cpa's do everything and that's that's that's the wrong move because you need an advisor going to keep the cpa's and keep the attorneys organized. Keep them moving forward because time kills jails. Wow was she involved. they're trying to keep up. This is serious business. But obviously if i owned a small coffee shop we should do all but sounds like quite a lot involved but i suppose it shouldn't be. Should it really. There is a lot involved. Those tremendous amount of all. There's a lot of moving parts. Yeah there's a lot of pieces you know. There's a lot of balls to juggle near all at one time in run should never try to sell their own. Business is kinda like if you say. Gosh i have i need heart surgery gonna rip open your chest and grab your heart operate on your cell. What is on your own. business analyst. Sending a inexpensive property is easier for a broker or someone who knows i know says more complex with the business because the straightforward yeah no no poll market com to a broker. Most people will get someone to set it for them. They won't do it themselves most than what they know they don't scale you know you have to kiss a lot frogs and for you meet principal buyers owners. Don't wanna meet over. A hundred and myers check the property. Our obviously we're going to flip it then you want to know what networks need doing and stuff like that and it's kind of the same review you know a lot about how to fix business to turn it around and how to sell it so it's more complex than what we spoke about today so i mean for someone like me with a small coffee shop or someone we've larger business. How would they get hold. Lock yourself who who is next expert marching than acquisition. What yeah well. I encourage everybody before. We even take that step. I loud and we'd exit rich that's number. Yeah charade axa rich because you wanna make sure have a sellable business even if you plan on never ever selling if you have a business that people want to buy then you have a profitable company. You know So so put the steps in place and operate on all cylinders speeds. Because at least then you'll have a sustainable scalable business when you're ready. You have a sellable asset. So i encourage everyone to go to exit rich book dot com and purchase the book exit. Rich book com. Shown lecture is my co author. She won't poured out with robert kiyosaki. She's a part time new york times bestselling author shortage that yep as you're several months in napoleon hill foundation and She's a cpa financial literacy expert the advisor to many different presents including president obama and so she is my co author of look has been endorsed by steve forbes. Um you forward ripped my kevin said who was the original short on shark tank and many other testimonials so we're in the middle presell but you can buy the book on amazon but it's expensive at exit which book dot com that's exit which dot com. Okay i can book for twenty four dollars and seventy nine cents while email you the digital download immediately so you can start leading axa rich today and then any usa wall no you the hardcover without any additional shipping if you wanna mel it somewhere else or just have to pay shipping on top of that and also we will give you lifetime membership into the exit which book club for those video training and me doing deep dives and somebody's different techniques and strategies. Yeah there's also there's also documents all the documents you needs runner so your business are in exit. Which book club you and your download look like your s employee handbooks. Snark coppee organizational charts sample lead of intent sampled purchase agreement. Sampled you diligence. Checklists sample closing ducks these documents. Or what twenty. Five thousand dollars alone. Much twenty five thousand dollars alone so you can review them and download them for twenty four dollars and seventy nine cents. Plus we'll give you a thirty day membership into club. Ceos which entrepreneural Masterminded i started to do. Qna's hot seat so we can only help business owners survive and they come on. the other side is pandemic. Obliged you get rich. Well fantastic fantastic locker really really even our. I wanna probably website myself and and even though i don't really have a business complex enough to release anything but it's good if i do think of style him one even now to look at. I'll also you. Listeners can tax michelle two eight five to six five seven five zero. That's eight five six five seven five. Oh and this global shows so we'll have to the us code to get to them. S all they can just go to my website. Siler siler talker dot com roy. Okay well okay. Well anyone listening that the actual websites on the on the show notes so you can flip back to show now. Listen to this. Make sure experts dot com to please. Yeah okay yeah. I'll do that as well. Yeah excellent well. Michelle has been really enlightening. Everything too much about the exit is it. Seems like a new concept really. But obviously you've been around for a long time in the in this business anyway. So you probably new concept i mean more business owners are going to have to exit than ever before because it used to be. The businesses will be handed from generation generation generation nowadays. More neal's the kids. They don't want their parents missing. Go out there and create though masterpiece they don't all wanna walk at mommy or daddy let step so you really do need a you really do need to plan your accessed his son about mergers and partnerships. Like you said he's gave them a thing about facebook. Can and whatsapp. You know that kind of thing and there's a lot more of that going on this really so there's a lot of that going on absolute right here excellent. What show is really great. You coming in sharing information and really honored to have some lock your show all the big names and you are a big player out there in this in this Particular business so Great pleasure you come to show. Thanks very much. I speak also having me. That's all for this episode. Thanks for this thing and remember if you want to support what we do then. Sheer subscribe and hebrew view over on apple podcasts. For head over to my website. Dave parma dot com and click on rate show. What some of the now. The i'll see you in the next episode all that they polish follow us on facebook twitter and instagram's.
Slow Courts = Fantastic Tennis
"Support for this. Podcast comes from progressive. What would you do with an extra eight hundred dollars. Buy a plane ticket paid on your student. Loan treat yourself to those shoes. You benign with progressive. You could find out drivers who switch and save save an average of seven hundred ninety six dollars on car insurance get your quote online at progressive dot com and see how much you could be saving national average annual car insurance savings by new customer survey who save with progressive in two thousand nineteen. Welcome to the mini. Break your date podcasts. For the big storylines results and controversies from the tennis world. Today is monday march. Twenty ninth so many results for us to sift through from the past weekend of action. What we're going to do as we always try to do here to start our week. Reset things with all the action in miami. Of course it was a fantastic weekend in the college tennis world. The atp challenge tour never slows down. We're going to save those topics for our great shot. Podcast feed david. Gertler gonna join me later in the week to recap of the challenger action. Of course mance toco. Chris how the orest already joined me on the podcast. That's going to be released. Tuesday for all of your listeners. Recapping a wild weekend of college tennis. But what i want to do to recap all the action miami on part one or this. Podcast is gonna be two separate. It'll be a three hour episode. i'm gonna recap the weekend matches in miami. We're talking saturday and sunday. I believe that's back half round of sixty four front half round of thirty two four the men and then i think both round of thirty. Two's for the women. And then on part two of the podcast recap. Monday's matches round of sixteen four. The women round of thirty two for the men now. Of course you may have already seen those results and you know the impact of them on how i feel about the previous day's results to me. It makes no difference. I can be really excited about someone's performance in the round of thirty two round of sixty four. Whatever it may be. They can then lose their next match. I could still be excited about the previous mention. Of course there's a lot to be excited about. I don't want to skip any of that because again. We're just so excited to have tennis weekend week out day in day out amidst the pandemic we want to celebrate and take note of all the matches that are happening but again on today's podcast. Just gonna be me steering the ship part one. I'm going to recap all of saturday and sundays. Miami results To recap everything on monday so that were fresh to go. Tuesday night. Recapping tuesday's matches and so on and so forth. Of course the reason i'm able to do this day in day out here on the mini break. Podcast week in week out is because of all the support we get from all of you fantastic listeners. The support we get from our patriots subscribers and sincerely thank you to those patriots subscribers. It may be one dollar two dollars five dollars a month. It adds up and it supports all of the things. We try to do here at crack rackets and then of course i can do this day in day out here on the break podcast because of the support we get from our friends at midwest. Sports it's outdoor season folks. Update your gear so you can get your best performance for your return to the court. Go to midwest sports dot com where you can find all the best gear at all the best prices you used breast prices best prices. Hey great shot you use. Our promo code see are fifteen. You'll get fifteen percents off your order. Free two day shipping on all orders exceeding seventy five dollars and best of all a free can of wilson extra duty tennis balls midwest. Sports dot com. The promo code is c. r. Fifteen with that in mind. Do we have some tennis to talk about. Let's start on the women's side and for me. There are two big storylines may talked about them on the deciding point. If you listen to our great shot podcast feed. You may have already heard an abbreviated version of both of these story. One of them is the performance of the top seed to have been exceptional in miami. And i promise folks will get there but storyline number one the most feel good story and perhaps the most impactful story moving forward is the return of on acopia to an elite level in one thousand level event. For those of you who are unfamiliar with the name on coney twenty-three-year-old croatian is a former world junior number one who won the twenty thirteen junior australian open singles title. She followed that up playing a classic twenty thirteen. Us open girls singles final. I believe that match against tornado. Alicia black was seven six in the third battle back at the twenty thirteen. Us open again for me. That senior year of high school So that's right in the prime. When i'm following those things closest if you're asking why i remember that but let's talk about some of the other things coney as accomplished in her young career a she made her debut. Atp excuse me wti debut. Hey gray shot in two thousand fourteen at age sixteen. She made her debut in the top. One hundred in two thousand fifteen. She won her first wnba title in nottingham becoming the youngest player to win a main tour event since two thousand six she also reached a career. High ranking of number twenty in the deputy rankings in july of two thousand seventeen that came on the back of second round performances at the australian open and french open a fourth round the two thousand seventeen wimbledon and a quarter final at the two thousand sixteen. Us open you look at what. She's accomplished more granular throughout her career. Of course she had a couple of top ten wins. Of course. I mentioned the junior slam title. She's had in her career the top ten when she beat rudd wants to get at the us open in the fourth round. She beat content. Simple cova in twenty seventeen. She was on her way to be to establishing herself as one of the top young players in the women's game and then unfortunately injuries and off court setbacks have held her back. These past few seasons you look overall in twenty eighteen. She was barely able to play in total. She played six matches. She goes to and four in those matches. Twenty nine thousand nine hundred. She's only able to play five matches than twenty twenty. She's not played able to play at all until after the tour restarts in august. She goes twelve and five in primarily twenty five k. Level events makes a couple of semifinals. Wins ah w twenty five k. title. Inza grab to end the season and then here to start the year nine and six overall but most importantly you know. She plays qualifying at the australian open. Loses a three set match to irani qualifies dubai before losing to anisimov a loses. Second round of qualifying in saint petersburg but makes the most of her wild card here on the weekend and this past weekend she. She knocked off ecosphere contact. That was the big result on saturday. Six four two six six two comes on the back of her beating. Madison keys and katharina sin jaka in straight sets and i mean you watch konia play for ten minutes in. You're like oh yeah that and you find out. She's twenty three. You're like i bet. She was really good in the juniors because the ball just slowed off of iraq. It and let's start with a backhand because her ability to catch that backhand early go both cross court and down the line with tremendous power her ability to buy time on that wing. Elevate shots over the anatomy ability to catch that ball early and go short angle and it just makes sense why you know when you watch her. You're like oh yeah with that contact point with the way she swung. That ball should go exactly there. It just looked so easy for her on that wing and then the four handed an extreme grip. But she's able to produce heavy topspin changed direction create angle take the ball early. The ground strokes are really nice. In again you look for her performance here in her matches against veon tech. She makes sixty three point. Six sixty four percent of her first serves when seventy one percent of those points. Fifty percent of her second serve points saves four of the seven break points. She faced but he created fourteen break chances for herself only converted for them but they were the four. She needed she won over. I believe our she one fifty three point five percent of her second serve return points thirty seven percent of her first research points but about forty four percent for the match with the way she was holding serve. That was good enough and look you watch her play. It's clear konia's movement is not where it needs to be. Movement was never the strongest part of her game. But you she really hasn't played this level of matches in two three season so the fact that her footwork you know if you can get her stretched into the outer third. She'll either you know. Just say good shot. You win this rally. She's very good at conserving. Her energy or again she'll be stretched. Show hit a slice. And then you can go to the open court. You can go behind her things. Start to open up if you can get her on her back foot but you can say that about a lot of people and i think the most promising part for on a cognac is the fact that you know. She hasn't played a competitive match and three years. Give her two months of action. I promise you she will get back into the sort of match shape. She was two three seasons ago. That's the last piece that comes back when you're working from a long injury like this and the fact that the ground strokes look at as good as they do the fact that you know again in each of the matches she played this week. She won about seventy percent of her first serve points. She was over fifty percent on second. Serve points in two of her three victories. You have already seen her. She loses to sevastopol spoiler. Alert will talk about that in a little bit but on part two of this podcast but you know you watch konia and you can watch a lot of players in the top one hundred. The ball doesn't explode off of their rackets. The way does from her. She just has that talent. She's in that top point one point five percent of pro players who the ball just comes off the racket differently than everyone else and again patients will be the key even with her result here this week konia only at number two forty one in the live ranking so she she's gonna get some wildcards probably but she'll still have to play. I events hundred k's qualifying. She'll get a lot of matches under her belt if her bodies able to hold up but if her body is able to hold up she'll be in the top one hundred by the end of the twenty with the rankings protections. Maybe not this year. But i'd say the two thousand twenty two and she's talented. The ball she just strikes the ball to well. If you don't have weapons she's gonna hurt you if you leave a ball in the center of the court she's gonna punish you and even when you get her stretch she can do. Some special things on a konia was fantastic this week. Her win over beyond tech against six four. Two six six two was one of the matches of the weekend and again you know i thought it a really good job because she went down and break in that second set she could have just gone away. She didn't she bounces back. Takes the set six two but you know she just got a little tentative she koneohe through a lot of pace at her particulary at that forehand wing and she would leave a ball short in the center of the court and you know in the match. Her second serve sat up a little bit in these courts. In miami's playing so slow in that does help on konia for sure but you know the foreign. It was a little concerning because you do. It really wasn't concerning. I thought actually. She competed really well even though her game she didn't have her eight game on the day but again she did fight off ten of the fourteen break. Chances she fe. She kept this match super competitive. Coney just had the bigger weapons. I suppose that's the scary thing is if konia has bigger weapons and fiancee tech. She must be striking the ball well and she is. You know again. I found the forehand broke down a little bit in this match win pressured by pace but i thought she moved really well. She did a really solid job of withstanding. The first strike of co problem is second. Strike was just on on this day. And i think she fed the her backhand. It was just anytime soon. Teck hit to that backhand wing felt kona took control of the rally is really good performance from ana koneohe but again no concern from tickets. It's maybe her first. Round third. Like second round of thirty two atta masters event. This was not a bad loss by any stretch of the imagination. And by the way with this result xiantao's still putting points on the board for herself. She's gonna move up. I believe in the rankings. Her excuse me stay. Put number at number sixteen But she did gain points this week by making the round of thirty two in miami. Which of course is a little bit funny In the fact that she's a grand slam champion and still not ranked inside the top ten. But that was your big result from konia. That story nine number one story number two as i mentioned is the story of the top seeds continuing to show their form. Let's start with one of the less heralded seeds a topsy topsy to some people often. I don't wanna see some people. I hate attacking arbitrary straw man. It's fair to say alina s- fiddling upside is not as high as someone like a naomi. Osaka like bianca andrew rescue like an arena sample lenka even who when they're playing their best tennis simply we'll just hit their opponents off the court. Of course you wanna put kavita in that list mugabe. Ruth obviously a higher ceiling as well but alina s- fiddle. Lena is damn good in outside of simona halep. She's been the most consistent player in the women's game over the past seven and a half seasons. Don't believe me. Let's look at her record since two thousand fourteen. Thirty eight and twenty four forty one in twenty four forty one in twenty two fifty three in sixteen forty four and sixteen forty twenty one twenty one and nineteen. She's now thirteen in five to start the season here as she makes the quarter finals of this event this past weekend really impressive. Victory seven six six four over katharina alexandrova and it's a small thing because we all know. Certainly it's going to track down tunnel. Boss can make a bunch of extra shots. She's gonna move the ball well around the court she's gonna absorb your pace redirected but if you have the big weapons you can overwhelm her but fit alina. It's an i test numbers thing. Sort of matching up her first serve percentage on the season a little bit lower than it normally is. She's currently i believe at fifty point one percent for the season that's under her career average of sixty one point four however she's winning sixty eight percent of her first serve points that's greater than her first serve percentage of sixty six for her career. She's also at forty eight on the second serve. that's better than her career. Number of forty six. I think that's an testing. You can see. She's trying to be a little bit more aggressive on trying to create some plus when opportunities a few more free points in the match even if it leads to a slight dip in the first serve percentage. She trusts the rest of her game. And it's just can't she make things easy enough for herself over the course of a long match with a sample linka in osaka. Who eventually are going to find their rhythm right. And just hit you off the court for three straight games. Cance fiddle. lena do that to her. Opponents is the question that will determine respectfully whether she wins a grand slam in her career or not because she's so excellent at everything else again. A top ten mover in the women's game. I think forehand backhand wing. Neither is a glaring error. She's able to do all the things she wants. Shots go line go. Craw short angle. Elevate to crete time. She's got pretty good hands not great but good enough hands at the net in his able to recognize when the opportunity presents itself for her to move forward again. It's not the sexiest pick to say. Fiddling is going to make the semi-final of the event. But that's what usually happens. Whenever she's playing something like this at least the quarter-finals and again she just kind of worked alexandrova in this match through. A bunch of different looks at her never went in the same direction more than twice in a row. Because if you go in the same direction twice in a row alexandrov has got enough pop from the ground to hit through you. And she benefits from the slow core conditions as well gives her that extra half second to set her feet but fiddling just through a million different looks at her and again it was a really impressive. Victory for spin lena. To advance to the round of sixteen in ultimately will talk about her round of sixteen match again in part. Two of this podcast. Those were the two breakdowns i wanted to get. To from saturday's results. In terms of again the other matches kavita straight set. Wins over konta. It like this might be one of those weeks for her. She looked so outstanding has continued to be great here early in twenty twenty one sap elanca really nice victory over an informed. Rana cooter mathov again. Kuramoto veronica cooter montalva. Kuna tova is not going to be a top ten player. She just doesn't quite have enough of everything to get to that upper echelon but she's gonna beat a lot of top twenty top ten players throughout her career because when it looks good it looks really good for cooter matova. She's great athlete. She plays low flat tennis. And i think these courts were perfect for her settling. Just overwhelmed her with her. Power was one of those days four sample inca but caputo made her sweat and she was up. Four three in that first set tie-breaker linka serves cooperman. Topa miss two returns that she would love to have back because very makeable returns. But then sap. Lincoln hit a return winner. And i think a backhand down the line winner and that was the set. And that's when arenas apple inca will duty you great performance for her great performance for vk azarenka who i think moves to nine and one in her career ahead with angelique. Kerber kerber threw everything at azarenka in that first sadden in lead at multiple different times but just didn't have enough firepower to hit through as aranka again particularly on the slow courts azarenka. The run last year was real folks. She's back she looks great five and to win over kerber. You also had victories on the day from ashleigh. Barty who she you know. People questioned her deserving of the number one ranking. I'm not going to question. The merits of their questioning of her having the number one ranking because yes. She hasn't played as much tennis as a lot of other players. These past fifteen months but she's absolutely a top five player in the women's game her movement her ability to move the ball around the court her ability to absorb what you do. And take away thing you want to do. The most special folks and she just worked ostapenko to the corners in this match. It was a fun straight-set victory for her. Fortunately halla pulled out with injury against sevice stove. Hopefully we get her healthy for the french open. Run and then kevon drew of a three set. Win over belinda bench. Four six four six four. That match was fantastic. I'm not going to do a full breakdown. Because if i do this podcast will go six hours. But ventures about the lefty courts. Move the ball around. the court. Threw million different looks at bench. Bench is starting to play her best tennis again. Folks in that firepower can hit through anyone but von dirksen Work again was a really really fun. High level three three-set match. That was your saturday action. Let's go to sunday now on the women's side again just a cup. Nothing to christ for you in terms of the breakdown no conus fiddle lena epstein breakdowns but the sunday tennis across the board was fantastic. You had eight matches seven really given that osaka got a withdrawal from stoyanovich. Six of the seven matches go three sets on the day. And i mean let's start with the nightcap bianca and rescue seven six six seven. Six four over amanda denise. I'm over. I don't know how else to say it. Other than this. If healthy and rescues back she is that talented. She is that good that run to the us open title was no fluke folks and the level in this match was incredibly high and look a niece moments dealt with a ton of different injuries tunnel. You know off court things and we don't have to relitigate those right now but she's got so much. Talent does the young american. And i mean what. She's five eleven six foot. Her serve her groundstrokes the power she possesses one connects cleanly with the ball. It's either going to be a winner or it's going to set up a winner on the next stroke and you know i'm so sad. I didn't think of this comparison earlier. It reminds me of a modern caroliina. Plus cova a nissan elva a little bit more fluid. Leave a center in the ball in the center against her against plus cova. The point is over and they used their length to beat you to the spot. Take the ball early. Neither of them is going to be the most fluid moves around the court but because of their length they're able to a track down that ball and put it on your body before you're ready to hit it and you know i think i need a as really dynamic as well and in this match. She made seventy percent of her first serves one over sixty one sixty three point five percent of her first-serve points fifty six point. Eight percent of her second serve points fought off fourteen of the seventeen break points. She faced now. Why i say rescues legit and rescue got broken twice but those were the only two break points she faced. She was os to in terms of saving them but she was forty six fifty nine seventy percent on first-serve points twenty four second. Serve points whenever she was able to play plus one tennis or just get that return deep on the body of niece mova. She essentially won the point she whenever she was able to get stretched and she used her variety. Her dropshots her short angles taking the ball. Early moving forward hitting swinging volleys. She can do a little bit of everything and she moves really well and again she was able to withstand the overwhelming power of anisimov. A she didn't get too flustered. When an isam over would hit that kind of stretched out loop dover medvedeva stretch forehand down the line winner which can do because again. She's got that sort of firepower. But andrew skew throws everything at you and she's got that sort of firepower as well the jack of all trades. She's so delightful to watch so happy. She's healthy. she continues to find her form in. This is her best win yet as she knocks off a nissan over in three sets and now she's got our bean garuba who knocks off in three sets. Callen sky maruta but that was a great result. Count sky is the real deal folks. She's got that sort of firepower. That's what's so exciting about so many of these young players they all just hit the ball differently. Like it's just incredible. You can't leave balls in the center clara. Toss in saying sky. Obviously i just went on and on about amanda nissan. Mova i mean. I don't know if it's technology. I don't know if it's fitness. It's probably a combination of everything that the next generation of women's tennis is going to be. So so upstanding. There's so many talented young players accounts guy one of them. But that just too good credit to own your boot. Gets the first half ten of her win of her career. Three sets over her nemesis on the court. Sonia kenan this match featured so much variety so much fun point construction a far too many dropshots any humans liking but it was a really physical match again for kenan. No she you know. She usually wins this one. She didn't today but she's still finding her way back post-surgery posts many different things. So i thought it was a good competitive result for her. She really confident right now. Playing some great tennis. That's a great win for her. A well earned first top ten win of her career in terms of the highest quality match. I saw on the day. Lisa merton annette controversy mets. The alex can special. I talk about those players almost every week on the break. They're not the grand slam contenders. But they're the best of the rest. They're the ones who you can just pencil into your round of sixteen at each round At grand slam because unless you are significantly better than them. You're not going to beat them. They can just do a little bit of everything they move. Well they put balls away. Variety forehand-backhand backhand serves returns. That's the mertens controversy story. And this match was physical. I mean our forty seven for a six two zero six six two you think. Oh those are. All lopsided straight matches probably Sets is probably quick match. But no i mean ten fifteen twenty ball rallies context kind of figured out. Okay i want to go to mertens forehand side because that's the more I suppose that's the side with more variants that fluctuate more than her backhand wing but mertens just through the kitchen sink at contraband. They both again move really really well. They both take advantage when the opportunity presents itself to move forward attack. A short ball change direction. This was just fun physical tennyson. You know mertens. The wti wins leader last year for recent. She's a really tough outright now. Concentrate just didn't have quite enough juice. And it really felt like after constantly won the first game of the third set that she was going to win in my opinion the set but then mertens just found a level raced out to a five one. Lead conduct kept fighting back. But you know it just felt like every game point broke mertens way in that third seven. That's a credit when you're confident things roll your way. A certainly are for. Lisa mertens right. Now she's into the round of sixteen your other three results cirrus re best tormo. Who by the way now. Twenty five in eleven in her la- excuse me twenty seven and eleven in her last fifty two weeks she's knocked off bernard para in three sets jennifer brady in three sets in now elena rebecca in three sets as she earns a six one three six six two victory. She played high percentage tennis. You know she makes seventy percent of her first serves now though serves are so attack in you know she only wins fifty seven point three percent of her first serve points forty five point three percent of her second. Serve points the good news for her. Her first and second serves are fairly similar. The good news is she's one forty nine point two percent of her return points over the last fifty two weeks. She puts about every return in play. Her backhand slice just gives people trouble and then she moved so well around the court. Obviously she's coming off a win in guadalajara semi-final in monterey. She's confident as can be and now with these results. Sarah serie best tormo. Who by the way only twenty four years old up to new career high of number forty eight in the rankings. And what's so scary. Is you know with her game style. She's gonna be really really tough out on the clay so for her to rack up this many points at the wto level this early in the season beyond the look up her to crack the top forty beyond the look for to potentially be seated. Come the women's french open. She's that well-positioned she's playing that well. Such high percentage tennis and she tracks everything. Down that backhand slice is going to give you difficulties. It was a fantastic victory for her three sets over again. it was just the perfect contrast. She broke the strike zone of her opponent. Six one three six six two elena china who again i continue to say another three-set loss for her. She's come so close so often. This season don't give up hope on rebecca but certainly start thinking confidently positive thoughts about sarah serie best home. She has been fantastic here in twenty twenty one and just quickly by the way. Because i'm talking about how fantastic these players have been by alot ranking the tennis abstract which again measures who you're beating not wear your when you're beating them. Sarah sirri best hormone right now. Number forty seven on their Rankings by yearly ila ratings. Which is again eli ratings. Who you're playing are who you're beating just in this twenty twenty one season. She's a number twenty player by tennis abstract yearly. Elo ratings. she's eleven and three on the honestly number twenty feels about right. She has been other. She's ahead of people like convince us. So that's not right jabbour. That's probably not right but again she certainly been a top fifty player. You could argue top thirty these past fifty two weeks. She's just now certainly starting to have the results to prove that ranking god. I could get lost in these year. Though yearly ratings cass aquinas. three right. now that's probably a stretch jessica. Big euless four right now. Is that a stretch given she's been caroline applicable now three times. She doesn't again six four in the third to advance to the round of sixteen. I don't know number four. Yeah that's a stretch. But she's been a top twenty player certainly here to start the year fantastic win for her over plus cova and then maria soccer continues to rock and roll. She's regained her rhythm. Owen one win for her over samson. Ova that's your round of sixteen on the women's side on the men's side again fantastic set of results and i you know. I think the title of today's podcast is going to be slow. Courts equals fantastic. Tennis that has truly manifest itself on the men's side. I mean you start to look at some of the players who have had success here this week guys like daniel galon who was so outstanding on the clay courts to end last season. And i think made a semi-final at one of the south american clay court fifties a guy like sebastian korda. Frances tiafoe quarter was a fourth round. French open tiafoe. Highest win percentage by surface for him is clay guy like daego schwartzman. Or even you know. The character of players. The mayor in chile of the world of taylor fritz's of the world to a avoriaz who are bad movers. But certainly on a quicker court. Their lack of elite movement gets exposed. Will you give them an extra half second extra second. Give him a high bounce like these courts in miami are giving them. They're going to go on runs because when they have clean contact with the ball hit the ball as hard if not harder than anyone and that sort of dictated the results. We've seen across the board here this weekend in miami. Let's start with daniel galon who with his victory over alex de minaur four six six three six four is now was twenty six and nineteen in his last fifty two weeks but reaches the round of thirty two at a master's first masters victory of his career. You look now in the live rankings with these results galon up to new career high of number one ten he is now about. Let's see seven eighty four seven thirty nine about forty six points away from cracking the top one hundred and he has been that good. I mean you look for him over. The last fifty. Two weeks qualified made the third round of the french open. He wins the challenger in lima on. Clay makes a semi-final the week after in yaas made a semi-final at the kerry challenger to start this season. He wins a match del. Ray beach and you know makes that semifinal in santiago he's been right on the border of being top one hundred player and you'll find someone who looks at you who loves you the way daniel galon loves to hit forehands and on these slow courts boy did he find four hands against alex de our. You know it's very kyle. Ed mindy in the way he dominates off of that wing. If you give him a forehand he's in control of the point and he's go inside out inside out inside out to open up the inside in forehand and his backhands not a weapon. But it's more than just a placeholder like he is confident with his backhand in rallies. He can move that ball around. He's hits a really really heavy kick. Serve and you look for him against demon our he wants seventy two percent of his first-serve points fought off ten of the thirteen breakpoints. He faced. I mean he just had the biggest weapon on the corden team and hours taken some tough losses over the past few weeks. You look for him now over his last fifty two. He's nineteen and thirteen but the finals he made are the title. He wanted. Intel you to start the season the final he made in antwerp and the quarterfinals in the us. Open a lot of the heavy lifting you know. He's now lost his last three matches all in three sets. It was three sets to nisha corey. Three sets to share d three sets to daniel on. He lost three sets about teesta guten. Atp cup he lost three sets tian center in sofia three sets to nil medvedev in paris. His fitness keeps him in every man. She plays in his speed the mount pressure he puts on you. That's sneaky athleticism that sneaky pop on the forehand. He's a good back to win a set in each and every match he plays the problem. Is you know the first serve is good. It's not great in the second serve sits up a little bit and you know again. He's going to be a top twenty top twenty five guy throughout the course of his career. Longest he's healthy. What gets him into grand slam. Contending range is can develop that weapon. Can he make that. I serve a legitimate sets up a plus one ball for him every time. Can he get more free points because he does make things so difficult for himself given his athletic. I mean that's what he wants but of course that is just a tough style of play. Three out of five sets for two weeks. i'm gallon. Had been weapons than him in this matching certainly concerning giving galon not a top one hundred player but on will be top one hundred players shortly. And he's only what twenty three twenty four year old colombian. But you know if you're demon our. You're disappointed you were so close in this match but if you're daniel on your elated because you have played that well of late in the results are finally starting to come together. These conditions were perfect for him and he made the most of them getting the three-set victory speaking of making the most of the conditions of the matches available to you. Sebastian korda moves to twenty eight eight. I believe in his last fifty two weeks as he knocks off fabio phonemes earning the highest ranked win of his career With with a one six six four six two victory over the number ten seed. I mean look quarters numbers. The last fifty two weeks. Twenty nate overall french open fourth round i two challenger titles of his career. I final of his career in delray beach now. He makes the first round of thirty two and spoiler alert first round of sixteen at a masters event of his career. You look at the live rankings. Now despite all the protection sebastian korda up to new career. High of number seventy six. You look in the elo ratings by the way by illustrating daniel on right now number one thirty two bi yearly elo rating. Let's see what daniel john is right now. By e yearly illustrating. He's one seven however sebastian gorka number twenty eight bi yearly yellow rating number thirty six overall by yellow rating. I had this debate last tonight with someone. I think he's top fifty player. And i think it's pretty hands down like i don't think anyone. Do you think fashion quarter top fifty player right now. You look at his results. And i think you have to say yes and i think you can go even higher than that. He really has been borderline at top thirty two player in the world. Like if i asked you. Who are you more confident in right now. Moving forward sebastian korda or alex de minaur because the fairly similar in age before this year no are before august absolutely. No one says corta. After his french open run there may be a few people who say court now now didn't is it fifty fifty. I mean if you're listening to this podcast and you feel strongly. Please tweet at me accurate. Shout pot court. Averse de minaur. Who do you feel more strongly about. Certainly court has got the bigger weapons. He's got the definition of your modern male tennis player physical profile and he's got the results of late as well yet. It's a hot take that. I'm not saying i feel that way. I'm saying i don't feel any better about sebastian. About alex de minaur than to sebastian court. I feel equal equally exceptional about fashion. Corta just seventy six percent of his first serves when sixty nine percent of those points fights off eight twelve breakpoints gets the four eight on his break point chances. He's just efficient. He's disciplined it. Look so easy. He'd do a little bit of everything. Sebastian korda fantastic result over fabio for niimi in terms of the rest of your saturday. Saturday results again. These were round of sixty four matches going to rapid fire through them. Straight set wins from seats. Poss- andrey rublev indego schwartzman all top five seed shop of all of of played a testy but ultimately very fund six seven. Six four six four match against ilia vodka to advance thought. It was great way up all the justed the way he slowed down. But i still think physically. He clearly looks like he's taken a step forward. This year i think melo's round. It looks really good this week. Tune one win over jordan thompson. These high bouncing conditions so great for the servant volleyers. And you know that's why you saw him win. We saw is ner. Have success as well you look across the board chile. Another guy beat christian garin seven six in the third got chile having his best week since probably the twenty nineteen season. Your other winners carrots have over cushman unbear- over so some seti making bete-noire payer bryce oppose allowing ben pair to go on in early vacation. Senegal mannarino her hurkacz nishikori. Phuc soviet very fun three-set match overton esi cook innocuous your other winners on saturday. Let's move now to sunday's matches. And again i know. It's a bit monotonous here. Just have a lot of tennis to catch you all on. I apologize if you're sick of my voice. Although i suppose at this point it is in everyday podcast. And i think on it every day so probably used to my voice so with that in mind stuck by the round of thirty two matches. A lot of these were fun. We had eight of them. I believe one two three four five six seven of on. That can't be right. One two three four five six seven eight matches of the eight go three sets and if you include the seven six seven six affair between is and faa against seven of the eight decided on the margins. You're one straight-set win. Sasha puplic who continues to ride his momentum you look at the yearly ratings and and yellow ratings book right now by elo rating number twenty three bi yearly e low rating. You look for but. Number forty three by general yellow rating. Look for him right now in. The live ranking sasha black number. Forty five other feels about right as it's really difficult to beat The big server or excuse me the big serving twenty-three-year-old from kazakhstan. You look at the results. You know medvedev was cramping against alexi properly at the end. That may be the story. You want the real story. Medvedev forty five or forty nine and first-serve points. I'll actually popper in his first serve his forehand their elite and he won seventy three percent of his first-serve points goes fifty. Four of seventy four. He saved. I believe seven of the nine point that he faced was only broken twice in the match. Against maybe the third best returner on tour second best returner right now. Individual medvedev But you know if you can get the ball to his backhand wing if you can prevent him from setting his feet in turning into a forehand. You're going to be able to have success against him. And of course mad. No one does better taking away the thing you wanna do the most then daniel medvedev who had just enough who placed his serves just well enough to escape in a three-set him cramping at the end. Victory and again alexi popper forehand that serve. They're going to them. A lot of matches in his career is coming off of the first. Atp title of his career. he's been really great of late but again these slow the inside out forehand return. He ripped clinch the set on set To clinch the second set on set point. That's sort of him in the nutshell when he does that. When that shots landing he can beat anyone but he can also very much that on that list of anyone includes himself and just you know again. Medvedev makes things so tough for him popper and fought but medvedev just a little bit too much in the end. The best match of the day on sunday on the men's side belong to jahic sinner. Who knocked off. Karen hatch nov four. Six seven. Six six four in an incredibly physical affair center just hits the ball at a different speed ed with just more velocity more pace more action than ninety nine percent of players in luck. He's twenty seven and eleven now in his last fifty two weeks. He reaches the round of sixteen at a major for the first time in his career end. You know his first serve now. He's winning seventy percent of his first-serve points fifty three percent of his second serve points. He's holding eighty one percent of the time he's breaking serve about twenty seven percent of the time. Which isn't quite jovic. Nidal prime of their career level. Good but it's better than prime roger federer and he's you know holding serve at over eighty percent which is a really really good mark and i just think physically he becomes a better and better mover feels like with every match that cross court little flick slice shot he off hatch enough dropshot to create a break point chance for himself at four. All in the third said that just a pity is is improving athleticism and again his ability to change direction hatch tried to play to his backhand wing but center was having none of that he was going down the line with his backhand cross-court with his backhand never hitting the ball in the same direction more than two times in a row in. Just you can't let him play. Plus one forehand tennis because his weapons are too big. You can't let them play. You know big on the return you have to make a high percentage of first serves because you just can't give them control of the point but you know as he gets into the outer thirds of the court. He gets better and better with each passing matches. Well he's just a stud. I'm all in on yanni's center. He does have grand slam champion type upside and i'm not saying i didn't believe that before but i thoroughly believe it now. Not just one slam. But i may feel better about him. I mean certainly. then he's probably above the. I really like court of late. But he's definitely above the demon our tear the church near the hatch enough tear. He's advanced at a man at a minimum into the shape of all of faa tear. He may even be amongst the group now. It might be the big four of you. Know i still really think cafe is going to win a grand slam one day so i keep them in that group but it's probably five names now seat see palace medvedev. Faa have and center. I those are the five guys. I would be shocked if they emerged from this era without a grand slam title. That's how good jahic center has looked of late. Of course again. There are so many other good matches on the day is ner doesn't lose tiebreakers doesn't lose in miami. He's gone the past three years champion finalist now round of sixteen s he knocks off faa. And what was a really fun. Seven six seven six at least as fun as an is ner match can be are. Ba continues to come through in the big moment for six six. Three six two win for him over. Strew f- frances tiafoe three-set matches are what he does and again the slower court the higher the bounce the better he is one six seven five six three victory for him over the do stu. Sunlight luggage taylor. Fritz really nice three-set victory for him over cam. Nori again that extra half second. The conditions in miami providing him gave him enough time to swing through that backhand. And i think he actually won the backhand. The nori lefty forehand exchanges. His serve. I mean you look at the numbers in the match taylor. Fritz makes only sixty percent of his first serves but he's forty to fifty seven makes seventy four percent of a win seventy four percent of his first-serve points saves three of the four break point chances he faces a meal. Rusev ori who talked about a little bit on the last mini break podcast but just continues his form. Four six six one seven five in the battle of the nordic states as he knocks off sweden mikhail again a really fund match between two youngsters. But that's your weekend action in miami. And i'm telling you the round of sixteen women's matches the front half of the round of thirty two from the men's side. It delivered the goods on mondays In on monday in miami. So you're absolutely going to want to stick around for our part. Two of this podcast. Where again. I'll talk exclusively about monday's results. That will have us all caught up for tuesday nights. Podcast which will recap tuesday's matches and then from there. We're good to go the rest of the week. Of course i will remind you if you missed any of the action you need the immediate synopsys. You want to hear more about college. Want to hear more about challenger tennis you can find out about it. All on our website cracked rackets dot com. Of course like rate subscribe review to this podcast. The great shot podcast cracked interviews podcasts. And all of our crack shows you need the more immediate updates twitter instagram facebook youtube. We are at cracked rackets message directly. Excuse me i am at great shot pod shadowed as always to our super producers. Max leader daniel stuff for the of any job. They do day in day out show as well to our friends at midwest. Sports go to mid west sports dot com use. That promo code see are fifteen one last shout out. My boy old blew my old microphone. She i call her my boy but she unfortunately has retired on us. She passed away officially of course again. Old blue is a microphone that i recorded the first one eleven hundred crack. It's podcast with however many we've done. They were all by old blue. And unfortunately i think she had heard enough of my voice in she was just ready to be done with it But she was great to me. We'll get a replacement mike. It's already been ordered. It's in the mail so my peace will stop popping moving forward but again it's official. Do twenty seventeen to twenty twenty one. She was fantastic to me. Studies thing. I had going unfortunately no more podcasts. For her but nevertheless again. That's really just my way of saying. I will have my new microphone in shortly. The audio quality will be back to where we want it to be with that in mind for my wonderful co co host my wonderful producers figuring westhoff our friends at midwest sports and all of us here at both craft rackets and the tennis channel podcast network. I'm your host. Alex ruskin we say that's the break and we will see all apart to thanks everyone else.
Entregue o seu melhor para o mundo. V em frente!
"John do more shekhupura piper to give us that bane. Give us give us same spirit. We give the ocean fuzzy. I'm went up whereas a buki your audio g villa. Sit the continue. Extensive won't give us but in do go five zero eight movie man. That saw ski. Fis are swiss thought of value. We'll say fiso party winters h. For the interview the moon moon do with complex. who academy swap parted. Those eastone bay bought is employ. She was set for dr the synopsis. In do i lose their thought. You might genus moving deal for us. You are my impeachable surfboard. The zillow data Lap dip into your kids know saturday but another consensus comunica them. That was fat. Phillip dig say name. Gina is as soyuz systemised foods. Show now but accuracy thrones yoursel muscle movable flex you poke suffice fis owen. Give us advice. Sewer patina developed by severe the put. He is a that vice party. This new who of say bullshit fuzzy fabric there the for those of wheel boob akilah those using so hiccups that back then being being their shots. Yes what bar to hit you with a body swap back to speed most mao daffy now the contest linda spoils lexus soviet spies. Igt that he thinks go to poke through. The mayor's as explains masan is pitiful. Is located films are seeing that has hiller science manasseh communica so been at also who were still the specialism. We'll see as guess. I'm aussies mazda. Held me seem to be proposed. Sabotage him seventy dollars sicknesses secon back from anisimov though imagine viva la vehicles singer simone. We'll get into this lucas de-classified recruiter opus us. Give going. But i i lose on the blues. They lead the you could buy pan. Live squid planning game. Let us were loose levy. So some put levy losing eleven travers lever more alive. You don't let us famous live. Yuck william mental eleven. there's a spilled muslim. civil thought does a split. Dad's was at they daughters as we stood say rangers ago variably more dea massages stairs. Necessarily the muslims revere. Silvo say sickly. Sita who seem as similar to hickory and see the pills offs of our thought saying this year miso grungy dnc study phillies jia norval.
"Welcome to bedtime history. Hello this is break first off. We'd like to announce a new bedtime history show in spanish. It's called d. Comey cantata de la story. Ah and includes ten episodes translated into spanish. If you also speak spanish or learning spanish listening to the new show is a great way to improve your skills and you can find it on apple podcasts. And on all the major podcast apps also include linked to it in the show notes. Next shouts our newest patriotic donors. Rosie from cork ireland. If you'd like to donate to bedtime history go to our website. Bedtime history stories dot com to donate the patriots donors also get access to our entire one. Hundred and forty episode cadillac of shutout pitch free episodes. No extra stuff just the stories you enjoy. This also includes an exclusive episode every month. Last month was an episode about cleopatra. Queen of egypt. This month will be a bonus episode about sarah thomas. The nfl's first female referee now onto our episode. Take a moment to cover your ears so you can hear anything. How does it feel to not be able to hear anything at all. It'd be difficult to know what was going on and to be able to communicate with others right tonight. We're going to talk about a very successful businessman and inventor who on his twelfth birthday developed hearing problems and became completely deaf in one ear. Thomas edison thomas alva. Edison was born in forty seven and milan ohio but in eighteen fifty four. His family decided to move to port. Huron michigan where he was raised. Thomas was the seventh child and the youngest in his family. He was home schooled by his mother and then attended public school but only for a short time for whatever reason thomas struggled in school so as teachers thought he wasn't smart enough and so his mother decided to teach him herself. She taught him how to read and write. Sometimes people who struggle in school don't have problems they just don't do well in a normal school setting. This was the case with edison and the genius. Albert einstein ran into the same problems after a while. Thomas developed a love for books. He read a lot and taught himself on his own as a child. He was amazed at technology and new inventions in started spending long hours working on experiments at home. Thomas loved to tinker and try new things. He would try different ways to solve a problem until they figured it out. This is called tinkering and one way that inventors can solve problems. When thomas was twelve he became completely deaf in one ear and develop a hearing problem in the second ear to but what was it i a handicap ended up being helpful to thomas. His hearing problem allowed him to concentrate on his work because he wasn't able to hear things properly out side. Noise was not able to distract him from his work. And as a result he went on to become one of the greatest inventors in history with one thousand and ninety three inventions. When thomas was young he decided to sell candy newspapers and vegetables on the trains running between port. Huron and detroit one day. A young boy was on the train tracks. Thomas spotted him and pulled him off the tracks saving his life. The train officials took notice and offered thomas the job of a telegraph operator. The telegraph is a device that was used to send messages at distances using a wire before the telephone was invented. Thomas was earning good money by the time he was thirteen. But most of the money went to buying equipment for his electric and chemical experiments. He had always been very hard working. He hit also been selling newspapers on the street and at nineteen decided to work for the newspaper newswire. He asked to work at night so he could spend the daytime hours on his experiments and reading thomas was so into his work he even did experiments while working on the job in one accident caused by sulfuric acid. He lost his job. Edison started his own company in october. Eighteen sixty nine next. Let's talk about some of thomas edison's world changing inventions at the age of twenty two. Thomas invented electric vote recorder. He also developed a multiplex telegraphic system which could send two delegates messages at the same time. Thomas is most famous invention came in the year. Eighteen seventy nine. when he built his first light bulb. It took a very long time to figure it out and he had many technicians working on the project. Until got it right. They tried hundreds of different materials until they found the best one for the light bulb. This invention famous inventor across the world and even today many people know edison for this invention alone. The light bulb anisimov was granted. A right known as patent for the motion picture camera known as the connecticut scope. This was one of the first devices for watching movies with this motion camera. Edison also had a film studio and made around twelve hundred films. Some of the film's names. Were fred ott sneeze. The kiss the great train robbery alice's adventures in wonderland. And the i frankenstein film in. Nineteen ten edison won several medals like the msci metal in eighteen eighty seven. It's an italian medal. Given to a person who is an expert in the field of physics and the edward longstreth melville in eighteen ninety nine for the encouragement of invention in eighteen ninety. He was chosen as a member of the famous royal swedish academy of sciences in the united states. Their buildings and bridges named after one particularly the town of edison and thomas edison state university both in new jersey. There's also a bridge in the state of new jersey. Florida and ohio named after edison author known as the edison bridges. Thomas edison invented many things but his work was not easy on december tenth. Nineteen fourteen in the evening. A massive fire broke out in his laboratory at west orange new jersey. Edison was called and quickly rushed to his lab. The fire was so fierce that burn more than half of the laboratory and it was very hard to put out. Edison stood and watched his years of research work. Burn to ashes. Everyone was worried. That edison would not be able to recover from the shock but instead edison peacefully walked over to his son and told him go. Get your mother and her friends. They'll never see a fire like this again. His son can believe it at went on to say it's alright. We just got rid of a lot of rubbish. Although i'm over sixty seven years old i'll start again tomorrow. True to his word the very next day. Thomas edison got to work rebuilding the lab to do incredible things. We need to be resilient enough to bear disaster and setbacks resilience means to get back up when we've had setbacks we've gotta love what we do in life we have to find happiness and everything that occurs because of edison's positive thinking he was able to start working again even with setbacks and create so many useful inventions sins life teaches us that everyone has challenges. But if we don't lose hope and remain confident enough we can move mountains. Remember thomas edison. Next time you have something difficult happen and you wonder if you can keep going. We hope you enjoyed this episode about thomas. Edison be sure to tune in next monday for a new episode.
Confinado charlando con Carles Lamelo en Onda Cero
"Bienvenidos how hundred poker on the over. Either one hundred four it. Can you alter the widow komo on it. That talk st louis that i will not be easy to work on that saito. Catalunia number with they want to vote on it and cove e stab hundred on winter. Snow out but then i must grow forever in martha. And he wanted to is the compared to competitors gallimard stippled. 'cause they hundred simply remove your phone. Motorist podcasts kamara. Explain commotion wherever you to be one hundred and let him food on it. Then go she later. How will hold online come on. Gran casual. defendant. Are meeting the homeless. Mr and you would behind him. Wicha audibles gusts had gone through hundred years. You gay. I said they come back news on the hour on the. I'm not owning be denaro interest and kick on that demo- imprint the on both gas catacomb catalysts narrow on the mutual news in the on. Which on us. yeah. They put him in the phone. Morgan put in the mood to land okay. We'll show in the early. We don't push a chat on petty and fiesta. Komo on me. Simple in the meantime in me and a handful on it But our body will not towards on tilt or the s one. Only say they're going into just w we didn't progress party or no. I'll call moondog arundhati. Sheila kind of that and local team. An automatic is increasing blah. I go to the bass about nubia put on it though. She told her daughter which simple we are again. At as second by god gopinath hindu boko to skip montauk akitas but for one eight t said he dot com as no she If you little nothing. I don't know i give you be more in okay. We most without knowing that says picking out of the you know. Let them on that. But i think. I us on the role that i had been worst him. We them on that particular is our nas benefit. Anto had anisimov valued poison in multiple podcasts. Or whatever but i think it you or other which until you're you're you're yeah that's particular when i on it and say can you. You must've we've done on you. But i think in mentors in multiple sushi. He told this house considered august two motive in it to win another vs. She don't pay for care when style It'd be that you want to study out why we didn't wanna espn. What's he no. No oughta nothing harrow. In ninety one those industry who you put on that have been looking at minosos salawah makino. She wanted india. I full doors at the end spectacle last k. On it she gets not happy to but be your enemies food wanna desperately non e also has she did not do nothing more than to say preliminary myopia push cremona necessarily. That's what i. But i'm not going to stomach in a few others but almost nothing bunions care gives me 'cause la put it because he didn't like the had enough who donate the competitive thera outta caravan caused poco different. She hit him by stunned. You're locate locate communism to talk on this. Eat some some my says much by yourself around. There's a law yemen manhattan. Most because he oh yeah. I'm not doing that but forty hours getting road. I can typically for stealing from style. North korean kissed you intro causing unloaded. i'll hand or in the air filming. Agnes karademir matthew. Mac no she she cheap. I mean when she must a y'all can't seem to happen theaters equal mccone. And you're talking eight at our mind. Decarava's deal was castle better. Anita i bought a similar. I mean there's not washed up to deal do owner or when nice. Still the other. Hand co- case dennis coney looking into those movies restock llamas senior. Ambien will put up with this guy. Doc beat is they had that. But i've got astle fifty gallo yet. I must community that. Brigham utah so their stem in love with juanita face. People that'll mean don't include many states alert meaning petronas guajardo say communities geico. Haina people. She she thinks they want to look in his damn. Norman and i put on my skin. He doesn't pay four hundred. Solo did have a lot of seem the of coverage casino people. There they meal nato's you know in the claiming very nica they are hitters in the upper with your personal the easiest with are they going to the local initiative she dealing domestically beyond the gas. Tevita debbie for gifts. Some of us have been out of the industry must be done. Gone into grinders squanders. Takebe he put out a bland baresi. The millenary are he continued the initial liberal studies plenty of random from. But i do this call. He history. As the people he maintained a whip sends earlier in an must. Fathi live month forum. All star edna be a hot Muslim community as pathetic as conroy. Us in norman. The hundred simpler boondoggle will dissimilar i. E production was one of the us. Kim kate academia l. program w jazz on the radio am galas lamelo.
144. El poder de la queja
"Kostunica you're integrating digital in colorado savvy. Millionaires arena because the ula famously. Former of what michael. Kara therefore amina either former athlete coverage is sending really integrating. Miracle has been julia of stories issues because because you are a remorse l. Poder so stunned. Your crosstalk stays guitar. Koschnick your monitoring danieli the undergrads or stamos and seven piero. Take me back up. Descend european talk with moore. Is the analogy berlin boylston. I forgot him. A horizontal coalition show does. But i think this is a long established reunion sea and siempre embassy impudence collaborative russia as forgive. You store squeezing kellogg weather regulatory like whether you're a toto pushy depot podcast and it must think contrast ambien and send your talk on april through Nagoya ending other she when the ending willing were eat ambient to quarterly alkalies. They must they show april pallor shop. Here the mash complete. 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The Most Wonderful Time of the Year | Ep. 177
"This episode of resin motherhood is brought to you in part by moody publishers publishers of the new book screen kids and grand parenting screen kids by jerry chapman and arlene pella cain screen. Time can be a battle for everyone. These new books provide parents and grandparents with the practical tools needed to make positive changes regarding screen time. Learn how to build healthy relationships with screens for your family in this digital age. Where so thankful for moody sponsorship. Motherhood is hard one second. We think we're doing a good enough job. And the next we feel like the worst mom on the planet which is why we need the refreshing truth of the gospel to be repeated over and over giving us in the every day moment. So mama whether you're sipping coal copy or do the sink full of dishes. We hope you'll find truth encouragement and laughter. Here this is the risen motherhood podcasts. Thanks for joining us. Welcome back to another episode of risen. Motherhood i'm emily here with laura hi guys and merry christmas. Merry early christmas we say that. Now now i'm a question. Laura is that the most wonderful time of the or is it the most stressful time of the. It's a toss up every single day. We're not quite sure. I think i have mixed feelings about this season every year as our kids get older. Because you know you've heard those like illustrations before put pennies in a jar and then every year you push over in look you're you're missing another year until they're eighteen and of a horrible. I know that you know what i'm talking about. And so every you're like oh no. I have not established all the traditions that i've wanted. This is not exactly what i wanted and so every year. I have to come back to what this episode is talking about that. We're going to be sharing with you and council my heart. What is the purpose of advent. What is the purpose of all of these traditions that we do anyways. The decorations do all the things and have a lot of business. It is to slow down and focus on christ absolutely. Yeah i i know that. I think i'm probably going to say this in the episode. But i still stand by it. And the fact that i love evans season. I love it so much. Because the moment that i started to understand what it really is was kind of the moment that it became far less stressful and i think as the kids get older i totally can understand that idea of like only word. I'm losing time. And i've got to build all the right traditions and things like that but there is an element of just. The one constant remains the same of getting to sit and enjoy our savior and the gift that he is coming to earth for us like. I don't know when. I started to understand the anticipation that advent builds getting to bring my kids into that every year and even a little bit different ways every year has just been a true joy for me. Yeah my consistent. Tradition will be that. I did something different every year. Then that but i i'll be honest. I am so looking forward to this year. Slowing down and talking about that with our kids. Because of the year that twenty twenty has been there is something. that's it's so wonderful to think about savoring this message this reality that jesus came to earth. Okay i totally get you up. Thought you're going gonna say his so wonderful. The twenty twenty is almost over. That you think you're already for it to be over. Like i just think we made it to christmas. Yeah like there's something so comforting about the lights and the tree and whatever the things are that you do in your house every year that it's like everything out. There is crazy but we still get to have this time every year whether it's singing together christmas traditional christmas carols. It's reading the bible or it's putting up the ornaments. Whatever it is that you can still say. God is still faithful. He cares for us. He is coming for us again. Praise the lord. Jesus yeah yes like. The sun rises every day. And we can look to that. And it's like. Christmas comes every year and whether or not. The whole world celebrates it as christians. We can celebrate the coming of our lord day of the year but especially on christmas day and of course leading up to it. It's just a really wonderful season so we hope that this episode encourages you to to remember what the season is about. And maybe if you've never heard of advent don't really know what it is you can experience it for the very first time this year so this episode comes out in at the end of november which does give you time to think about what you might wanna do advent and speaking of thinking of what you might wanna do. We have lots of resources for you to help you out with that. So many resources in fact we have a whole page that you can find in our show notes dedicated to products books. Little allender handles reese than all sorts of advent things. Yes the help. Make it easy for you to fill your homeless and these intentional activities. We also have a lot of episodes and content that we have devoted to advent over the years. I've risen motherhood and so again. If you go to our show notes you're gonna find episodes on tradition episodes that we put together. We've heard from other moms about what they do during advent and all of this is to encourage you that it can look different and they all have the same central theme so definitely check that out for more resources. Yeah so that'll be nuts. You can find that there. But i think that's about all we have for you so let's get to the show. Welcome back to another episode of risen. Motherhood i am laura and i have my sister-in-law emily here with me. Hey the dorkiest introvert done. That's okay we've done like seventy so there's no you're fine. We're excited for today's show. We are doing an adventure show. We are really planning ahead. I'm really proud of us. Emily for how far ahead. we're planning. Yeah we don't even have a christmas tree up right now. We're recording this. Yeah this is october. That's how far ahead we're planning. I'm proud of us. This is so that it gets to you nice and early so that you can plan for advent but anyway we'll get to the show in a minute first off. I just wanted to all of you guys know that every year we get a lotta lotta about advent resources. We like what traditions we do. How we keep things focused on christ all those good things and we have an entire resources page dedicated just to advent resources so there are a lot of great ideas on their some of the things that emily and i will be referencing will be on that resources page today and then in addition we also have all of emily nice favorite books for kids different cds and music. I don't know just any resources for training your children in the gospel. Lots for moms as well. So if you're looking for some christmas ideas or anything like that head over there check out the list. See what you like and hopefully you find some good stuff. Christmas totally and speaking of ashvin resources. I feel like maybe i'm wrong is getting to be like trendier or like cooler to do something for advocates and there is a lot more stuff out there than i ever remember. I mean growing up. I had like one of those chocolate advent calendars that you open one little everyday. That was that was the full extent. I like didn't even know that. What the word advent met until about five years ago. Maybe yeah so. I feel like it can be really overwhelming to try to discern. What in the world you should use with what stage of life and then there's a lot of pressure on like what if i picked the wrong thing and lake. Our family doesn't stick with it and i don't know at least i feel like that. Yeah no i agree. I think we have another show on advent that we did last year. So if you haven't heard of that one in your curious a little bit about traditions and the biblical concept of traditions and why we are big fans of traditions head back. There listened to that show will lincoln in the show notes but on that show. We do talk a little bit about emily. I have really different upbringings with christmas. She's like the tradition happy family. And we. I grew up with very very few traditions and very very few like the chocolate advent calendar. We did that like one year. I don't know. But i think there is just so much pressure on building these beautiful traditions that you're going to remember forever and your children will talk about some day when they come home from college do with their own families and the beautiful thing is. It doesn't have to be that way all but one thing that i have really enjoyed about learning more about ivan is that it really extends the season and it doesn't feel like it's just like one day a year were suddenly. You're like oh it's you know it's just it past if you like once i've learned more about what advent actually and i can focus on the true purpose of the advent season than i do feel like there's a lot of freedom in that and a lot of joy in getting to continually bring the children in the family back to getting excited about christ which we are going to talk about. Laura has an has done some awesome research to give you guys advocate in a nutshell. Yeah did a little research for you guys. As we're speaking of what does advent mean. What is advent. If this isn't a terminus familiar to you. Like i said i really just found out about it a few years ago. The word abbott comes from the latin word i am going to. I should have done one of those like where you listen on the internet. You know the little lady said that give you the robot voice version. Yes adventists and in greek. Good luck guys. I just going to spell for ya. Para para su'a emily's not even ryan. I feel p r. o usaa. I literally just spell differ you rise. You can look. But that's the greek term and basically it means it is the word that is used for both the coming of christ in human flesh and his second coming so it's sort of this both and it's looking backwards. It's looking forward. So we can look to that night in bethlehem. god became flesh and that's looking backward but then we're also looking forward because we all know that. Jesus we're waiting for jesus to come back as the conquering king and so. I've always appreciated this saying from john. Piper says it's patient waiting and hopeful expectation. It's really just changing our inbetween. This we live in this already but not yet. I think that's what this advent is all about. Typically it is on the fourth sunday. Before christmas day it starts and it started way back in the fourth century with the medieval traditions. They would fast during this time and they would go to church every day during this time and it was a time for them. Really just focusing on the return. Of christ like i talked about but then also focusing on christ who came as a baby fulfilling all the prophecies of the old testament so something that i felt was like a handy comparison. It's sort of like lent and easter you have lent and you have advent to prepare for more significant holidays. That are ahead. So it's it's a longer time to kind of prepare your heart for christmas. The biggest thing you guys all probably to note is advent isn't in the bible that means it's optional. So as much pressure as it can feel like christians put on this holiday or the season. I guess it's totally optional. And so it's a tradition from church. History that is wonderful but it is not a requirement and we want you guys all to just a big sigh of relief about that right now. An important thing to remember exactly like you're saying laura is that it's a chance to celebrate what god set in motion long before the beginning of time what he does in this whole creation fall redemption restoration story that we see all throughout scripture. That we talk about every week and risen. Motherhood we get a chance to spend five weeks. Is it right before we four weeks sundays. Four weeks really focusing on that. It's just an excuse to talk to your kids about the gospel basic. I like that so it's a perfect chance for us to be able to talk with our kids especially to help them to understand that we are not so different. From god's people in the old testament they were waiting for the coming of god in human flesh just like today we wait for christ to come back in to rescue us and so advent. It's a lot about the longing about a lot of the waiting. That's kind of what you'll hear people using those phrases for. I think we can look back and identify a lot with the people. In the old testament moses and the israelites to were seeking the one who would free them the judges waiting for the true to come and rain the kings who were looking for the final perfect king and the prophets who were looking for the one they prophesized about so all of these things we can. We can take this season of advent to kind of look back and know that we play a part in the store and we are really not any different from the people in the bible even though we live on this side of the cross. And and that's what i think. We can really drive home with our kids of of taking time to talk with them and reminding ourselves that we are embedded in the redemption story. We are part of it. Yes i wanted to pull this out. Because i thought laurie wilbert. Who recently wrote on the risen motherhood. Uk's should go back and check it out. it's so good. I wanted to put this quote. She said waiting is the whole story of scripture for the old testament believers waiting for their messiah for what god had promised them. This was their story and for the new testament believer. This is us. We are waiting for the second coming of our groom. The whole story of scripture is the middle the weight we know the beginning in the end but we exist in that hollow space. And so i think that this is like a really important concept to share with our children so hopefully you have heard a share the story of the gospel before but this is just again another opportunity to share with our families because our hearts become really numb to it and i think that's something i struggle with is just it is amazing. How hard headed we are like. I can say it as a recording an episode. I can share my children over breakfast and then like three minutes later. I am not living like those things are true and so it's just a really good excuse. Adamant is a wonderful time to rehearse it over and over and over again. Yeah so we all know as we kind of started out this show. We know how hard it is to really keep focused during the christmas season. And has emily just got done saying. This is a great chance for sort of a pause or a reset inter-christian mike to remember the grand story that god set into motion before the beginning of time so there are a lot of traditions as we also discussed. But we're only going to share three common ways with you today just to keep it real simple because we know how easy it is to get overwhelmed and to remember that the point is at all about what you do. It's not about the tradition at all. It's about your heart during this season. So we'll kick it off with the first one comment. Is abbott race or candles. Yeah i feel like this is something that a lot of people may know from like their church. This is something that is often done in corporate worship. But it's something you could do at home to anisimov. Essentially it's lighting a group of four candles and you won each sunday of advent and then some people out a fifth for the day of christmas up. That's where he was getting the five in my mind so they're special colors and you can do different arrangements. But the point is it's kind of a way to mark the passing and obviously lighting. Something light is a symbol of christ and we see more and more lights coming on. And i feel like if you google that it probably there's deep image for each capital. So you could get. You could get really into the thing and do not be surprised if your kids just wanna blow them out and have you relate them like okay so the next one is an advent calendar so these look like a million different ways if you do a quick search you're going to get just a vast variety of different calendar so i have one that we typically do and i can post a link on the show notes. We tend to do the jesse tree ornaments. We're not going to go into what that is on the show today but we will post links to things that sort of give you more information about it. But i've also seen people use advent calendars to attributes of god each day or maybe inside the calendar they have service opportunities or emily's pieces of chocolate whenever you can't gets kids every time so and we even do what we have done. The last few years simple paper chain as a visual instead of doing numbers because when all of our kids were three and under they didn't necessarily recognize the numbers they were having a hard time with the whole concept of a. We're going to sit and read this or that thing. Every day and so i would literally just take a piece off the chain and we would do a simple activity sometimes as simple as like reading a story or singing christmas carol together and then they could visually watch the chain gets smaller and smaller and smaller until they were freaking out because there was only one or two. So it's there's so many different ways you can do it which leads us into our final recommendation. For just a celebrating the advent season kind of doing a devotional or scripture reading so typically people will take a selection of biblical texts that hint towards the first and second comings of jesus. There are a lot of really really good ones which again we will post links on the show notes. I'm excited this year. For paul david trips. Come let us adore him. Deebo new morning mercies. I assume you'll like this one. I'm digging into that one. I had my. That's what i have on my shelf tutelage into some other ones of note. I think nancy guthrie has one let every art part prepare him room. Russ ramsey has behold the lamb of god. John paper has a really good one. also she reads. Truth has a beautiful advent. Devotional as well you can get off their website so there are just lots of them out there. We will link to some of favorites but for your kids though. One of our favorites is the jesus story bible. You've heard us talking about on the show. Many many times they released an advent reading plan for free so we will link to that. If you have that bible you've already got everything you need to work on that with your kiddos and there are again. There are just so many options. After a quick google search we were sort of sifting through the materials. Just like you are so we go out there and find what works for your family so anyways there have been a ton of things obviously created to help us celebrate advent but the main thing again is not getting caught up in like feeling burden and heavy lead in guilty like we do not need one motivation to guilty in december that we are not doing right. It's just so important to diss conveyed a message of true rest in christ to our families and this is a joy that we have this devotional time or do this little advent activity. It's meant to bring joy not to burden. Yeah i think as soon as i sort of switched my mindset avent being a time of arrest in peace and not like a legalistic crazy woman attitude. It really helped. Like i have started looking forward to evanston september. I'm like oh. I can't wait for the break comes with advent and christmas. That is some backwards. Thinking for our culture today is in it but that is something that over time as i've slowly sort of gotten comfortable of what our family is going to do and relaxed under the freedom of this advent season. It's really been free for me. So i hope that that is for you as well but a few final thoughts that are just helpful have held me in this thinking. I think the first thing is you may have to say no to things during the month of december. You know making sure that you add space because you are adding probably something new in Yeah i think just pick one or two simple ways to celebrate advent. Don't do all the adleman activities all at the same time. It is okay to just choose one small thing and try to be consistent and honestly even if you've missed several days it's okay. Just get right back on your kids. Don't know you skipped three exactly and that happens to us alive. But i still feel like even if you were to only do something. Let's say three days a week over the course of the whole month of december that is still going to make an impact in the culture of your family exactly and with that. Keep it fun. I think one thing that i often think about with my kids is that i want my kids understand the way in the -portant and and just the heaviness of the gospel because it is heavy like in a good way. I hope you understand what i'm saying. It goes backwards because the gospel is supposed to be light. But i want them to understand that god loves fun to he invented fund. He is humorous. He makes jokes. I mean he gave us those things that we image him in those things. And so emily and especially having really little kids we do not expect them to sit still for twenty minutes during our monologues. I mean we don't even really expect them to sit still for three minutes. We just roll with your family and know that stuff is getting in their goddess using that time he's using you and every little deposit you make is a true investment in their eternity yup and finally if you did something last year and it didn't work have to the same thing this year you can start something and change it up. Midway through the month there are no rules exactly. I think we're going to do something new this year. And so it's just yeah have fun. Be free celebrate. Jesus there you go. That's right there you go. There's all right so as we wrap up today's show we hope you guys will come and find us over on social media as we'll talk about that more this week. We are on facebook. Instagram and twitter at risen motherhood. Of course you can head to our website for the show notes doe i et. Www risen further dot com. Who says w anyway risen motherhood dot com head over there. You'll find the show notes and lots more resources and don't forget to check our resources page where we've neatly curated lots of things that emily and i really enjoy so have agreed advent. Yeah hi. I'm laura and donate to risen motherhood because i believe in the work that they are doing to spread the gospel around the world and has changed my everyday mundane moments parenting. And i'm so grateful for how they've helped teach me to apply the gospel to the every day moments motherhood lease join me in helping to spread the gospel around the world by supporting risen. Mother had risen. Motherhood is a crowd nonprofit which means that the majority of our content is made possible by women. Just like you around the world. We wanna ask you today to perfectly consider choosing to the work of motherhood and you'd like to join us and partner with us in this mission please had tourism dot com slash donate.
So 2020 Did Matter?
"Welcome to the mini. Break your podcast for the big storylines results and controversies from the tennis world. Today is sunday january. Tenth of course actually wednesday january thirteenth. Or maybe even thursday january fourteenth by the time of your listeners are hearing this show in our quest at cracked rackets to help catch all few listeners up on the incredible on court action from the first week of course also in our quest to make up for some technical difficulties we had last week. We're catching you up on each day's events with a series. We are calling our changeover. Chapman so fun to bring this back. Of course i have broken down. Thursday friday saturdays play thus far today. I'm going to be looking at sunday's round of sixteen matches in then a podcast. You either here later in the day today tomorrow. Whatever it may be will be my final recap of monday's quarter-finals tuesday semifinals and then of course wednesdays finals from across the globe also on friday going to be talking to my friend in new crack racquets contributor dave gertler on the australian open qualifying results we saw over the past week. Of course that was one of the big events happening across the globe and you know a lot of those players now going to get the opportunity to either played their first grand slam or a significant milestone grand slam in their career so of course we will break down those results on friday. But of course. The reason i'm able to do this podcast. Day in day out is because of the phenomenal support. We get from listeners. Incredible support. We get from our patron family. And of course the help we get from our friends at midwest sports if you need help updating your gear finding that new racket that new string pattern maybe even. It's a shoe type. You wanna change. You can turn to our friends at sports the kindest staff they bring those midwest values to their operation again. The best deals the best equipment. The best prices all can be found on midwest sports dot dot com use. Promo code cr fifteen. You'll get fifteen percents off your order. Free two day shipping on all orders exceeding seventy five dollars and best of all a free can of wilson extra duty tennis balls midwest. Sports dot com. You use that promo code cr fifteen. You'll let them know that we sent you there as well so as always a huge shout out to our friends at midwest sports now. I know. I've talked a lot about the same players through these early. Changeover chat shows. I mean someone like maria. Soccer was just so impressive. Through the first. Three days in abu dhabi. You've got someone like arena sample lenka who obviously hasn't lost in forever. You've got a guy like sebastian. Corta looking so good in delray beach. But i wanted to change things up a little bit today. Talk about some of the players that i may be haven't mentioned yet. So far on these mini break podcasts. And the match. I wanna start with was a match. That was phenomenal on the court. And i think bodes pretty important. Or i should say bears pretty important result for us heading into the australian open. That of course was the seven six. In the third battle we saw between a lena's fiddling and katharina alexandrova on sunday again. It was fiddling capturing the match in the end she ends up drop She takes the first set. Six two drops the second set in abe raker seven six was trailing alexandrova multiple points throughout the third set but ends up coming back taking the two six two six seven seven six ten eight in the third set breaker decision over alexandrova. And you know it's so funny because about a year ago. Maybe eleven months ago. At this time i seem to remember a little bit of a collective panic about alina s- fiddling not that you know. We thought she was going to fall out of the top fifty. Top one hundred not a dramatic fall for her but the question was for someone who would lingered inside the top ten for two three years now. A what more was there left to see force. Fiddling had we reached her ceiling as a player. Is there more development still for her to undergo obviously lena's fiddling such an incredible athlete rights. Such a good mover so proficient off of both wings from the baseline so good at turning defense into offense not afraid to step up and hit approach. Move forward to the net as well just a really well rounded skill set such a tough out. You know last year to start the season. We panicked a little bit when she lost third round to At the australian open of course we learned a little bit after that that you know Garb that makes the final there. She's back in her top ten. Maybe even top five form. Of course then fiddling. A winter fed cup played a three set match against gina. Fat of croatia. Which obviously was not something you would expect from her and then You know loses in three sets to a net konta. They know convict goes on to have a fantastic year. But there's this three week stretch in february where fiddling a or i should say. Four week she goes from that fed cup result to joaquin where loses a straight set quarterfinal match to now have beano in beano is solid player. But that's not a match. Fiddling should lose. Of course the next week she lose to lose to a qualifier by the name of jennifer. Brady now obviously again. Brady goes on to have incredible success during the twenty twenty season. Amanda anisimov filling the next week in straight-sets in doha but we all know how talented amanda some over can be and then of course. Fiddling did followed up with a title in monterey but you look at her wins in that event you know sheets. Layla fernandez she beats marie. Boost cova in a three-set battle in the final. But you know probably not the most difficult tidal. She's one in her career. And there was this panic. Pre our i should say in the immediate aftermath of the season cancelling as have we seen all we need to see from lena's fiddling a yeah she's going to be really good but does she have the upper echelon talent to compete with the best of the best onto or can she be a grand slam champion in a time when there are fifteen twenty players in the women's game who are legitimately capable of if they're playing their best tennis winning the grand slam when they show up And i think that answer still has to be yes because you now extend for the play that began in august and of course. Fiddling didn't travel to new york but over these last fifty two weeks at least friendliness. Twenty four thousand nine right. She makes the quarterfinals of roland garros. She beats alexandrova. She beats carolyn garcia loss to potter rosca. Which in retrospect again not too shabby given how well ponderosa was playing at the french. Open now in nevada. She loses her first match indoors to maria. Socrates fiddling was the number one seed but we know how well soccer is played. I've talked about it in the three previous show. So i don't consider that a bad loss by any stretch of the imagination and it's just you know you look at the results. She had in strasbourg and immediate Restart of title. She won their sheets. Sabah linka should be teichmann she lynette and she beat rebecca in the final. That's a fantastic title for her. In rome she beats pavel chen cova coups nets of a before losing in the quarterfinals to through silva vendors of course the twenty nineteen. French open finalist. My point is only played really really well down the homestretch. Kinda you know stem the bleeding cut off the bleeding. Whatever you want to say. I don't know the exact term. I didn't make it pass. I suppose biology my freshman year of high school. That's when i realized i was done with the sciences early. Those sorts of sciences anyways You know analytical skills something. I thrive at an analytically. You look at the numbers. Fiddling has put up. She has regained the form of her previous seasons. And it was just you know to get this match against the alexandrova. No that was a big scene setter force fiddling and by the way i want to set the scene for alexandrov as well. That's why i chose this match. But she just does so many things well. On the courthouse filling you know again was the first. Serve percentage great in this match against alexandrova. Not it really wasn't image. He makes i believe something like fifty seven percent of her first serves win seventy two percent of those first-serve points when she was able to get into her patterns plate plus one tennis not allow alexandrova to slap flat groundstrokes from the baseline. Believe me alexandrova. When i say slap that's unfair because that makes it sound unintentional alexandrova. She's got one speed. It's hard flat drives through the court. And you know the forehand backhand she has weapons off of both of those wings and silliness athleticism. Just shine through throughout this match her ability to be in the outer thirds of the court and turn defense into offense. It's a really nice contrast to some of the power. Tennis we see from players like alexandrova reebok in a sample lenka asaka. And just you know in the end. That's what's fiddling. It did better than alexandrova in this match. She got her to the outer thirds of the court. She disrupted her rhythm. Played a little bit of slice on the backhand side. Move forward to take time away from alexandra. Look alexandrova had plenty of chances in this match. I mean the big number for me. You look at it Alexandrova where she struggled only made fifty two percent of her first serves only one fifty eight percent of those first-serve points. But you know she holds. Fiddle lena to fifty ons fiddling a second serve points when she was able to play plus one tennis be the aggressor again. Those groundstrokes for alexandrova shine through. And you look for alexandrova now. Twenty two and thirteen in her last fifty two weeks. Of course she won the title in shenzhen to start last season where she beat muka ruth the she beat redocking and she then goes to the third round of the australian open before losing to patrick of last year at the uso at the in the new york run. She you know she didn't bounce back perhaps the way she was hoping to. She ends up taking losses to christina mikhail at the western southern katie. Mcnally in three sets seven six and a third at the us open. I'm sure she wants those matches back. But you look at the way. She ended her season six. In the third loss to contemplate in ostrava seven five in the third loss to a lisa mertens and lynn's alexandrova has established herself as a top twenty five player on the hard courts. And it's because of her groundstrokes. It's because what those weapons can be. Now you look for alexandrova. The serve is something she continues to need to be more effective on you. Know she's never eclipsed forty four percent in or forty five percent on her second serve win percentage throughout her career tour level seasons and her first serve percentage has hovered around fifty eight percent throughout her career. Now there's big growth from her in twenty twenty you look at the previous season's twenty eighteen. She makes fifty five percent of her first serves twenty nineteen that numbers fifty seven twenty twenty that number sixty percent. If that's the trend we continue to see for cata katerina alexandrovna who by the way currently ranked number thirty three only twenty six years old. That's a really nice growth trajectory. That's low hanging fruit. Make sixty five percent of your first serve typically wins them throughout her career at at least sixty eight percent clip. You're gonna hold serfs a lot of times doing that. And that's going to allow her to take the big rips on the return of serve like she likes to do like she did here against italina but ultimately in this match and sometimes it really is the simple katharina. Alexandrova didn't make enough for serves in this match lena. Such good returner by the way didn't mention that in her game the depth she's able to produce the you know the pace she's able to produce against a spring athlete us. Felina just wore alexandrova down in this match. Alexandrova really only has the one speed and that is a concern. And that's why she has struggled on non hard court surfaces in her career but selena continues to show off a wide skill. Set can do so many different things again from different locations on the court. This was a really impressive. Win for her to advance to the quarterfinals. Here at this opening event and again really good results for alexandrova who. I think we have to take seriously now. in any hardcourt event. She is a threat to beat. Any player You know regardless of that opponents ranking. And i just think this one's fiddling again has shown a really high level of late makes sense that she advanced to the quarterfinal here in what was a really fun. Victory over a katharina alexandrova. That's match number one day match number to someone. I have talked about a little bit. But i haven't broken down. I don't believe on this mini break. Podcast at least depth of late during this twenty twenty one season alina rebecca who was playing a different sport in her six. Three six. four. Win over dr koss akina. And let's just be clear here for a hot. Second dari cass. Akina is still working her way back from injury when you know but the former twenty three or the twenty three year old former top ten player right and desktop and it wasn't like she was eighteen. Nineteen years old had one flukes result cracked the top ten. No she did it back in two thousand eighteen at twenty one off of you know the base of some really good results. During that season right. She makes the final of indian wells. She makes the final of dubai. She makes us windsor. I i believe. Wti title in our second deputy title in moscow as well and so the point is dairy. Sakina has an incredible skill set. She is a power player. She is someone who can move you to the outer thirds of the court. She's someone who's going to incorporate sliced ticket you uncomfortable. It didn't matter in this match again. Illinois rebecca toco to go back to this metaphor. it's not. I don't think she owns any property. In the osaka serena power tennis ville like. I don't think they have quite been like you know. There's this house for sale. At the end of the block sent the best house. You need to redo the front yard and honestly the basement could use some work as well and you're gonna to want to knock down that wall so you have a walk in kitchen but you know that houses for sale in the neighborhood and you know. They had a meeting sabah lenka now. Full-time member of the community. After her fifteenth straight wins blanco. Osaka serena came together. And they were like do we want to include elena In our neighborhood. And patrick uva. Who's obviously you know. The most beloved member of this community was sitting there like. Oh yeah. Elaine deserves to be in for sure. Look at her result of late. I mean look at what she's done over her last fifty two weeks alina. Rebecca has been an absolute stud to three and ten in her last fifty two. We should let her in. And i don't think she has quite well. Maybe she does as patrick. She's quite the athlete as the. Oc sokha sabah. Linka serena quartet but the power tennis she can play is a thousand percent on that tier. And you look in this match lena. Sixty one percent of her first serves which is good. It's not great but it's good but look at these numbers for on serve win percentage on her first-serve points. She goes twenty three of thirty on second shift points. she goes fifteen in nine of nineteen again overall. Thirty eight forty nine on service points. I mean she's winning. Seventy seven point six percent of those points. When you do that life becomes pretty easy for you as a tennis player. And it's just the plus one tennis she can play. I mean she swallows for hands on. You know she'll take your page. She'll swallow it inches. Absorb it right back dishes right back out to you with even more behind the ball. Just her forehand is it's delightful. She can go down the line heavy with inside in inside out her ability to open up the court with that short angle cross court forehand as well her confidence stepping into the backhands driving them cross corporate still opening up angles with that cross-court back her willingness to go down the line her comfort moving forward. He shows off pretty sneaky. Good touch as well and then again the ball explodes off of her racket during the serve. She just she can hit that top gear. That show few players in men's or women's tennis can't she. Has that elite power. She can play with that sort of power tennis and look only faced one break. Point in this match now was broken on that chance but also created eight break point chances for herself converted three of them. That's all she needed to do against catholic keenum because she was executing so well on the servant look cats kennedy uneven play poorly made fifty seven percent of her first which isn't good but it's not a horrible. She wants sixty six percent of her first points again. Good not terrible. Forty six percent of your second serve points not great but not horrifyingly bad and yet rebecca was just on her from start to finish. I mean with all due respect to cass akina. Who tried to hit big to corners. Who tried to play short angles. Who tried to disrupt redocking. His rhythm with slice. It didn't matter. Rebekah was just in the zone on this day and again i am so impressed by her performances past fifteen months. I mean again. You look at what she did. The believe midsection of twenty nineteen. Which when she won her first title in bucharest. Yes she of course makes another final in non chunk to end the season than than last year. You know final of shenzhen to start the year. She follows that up by winning. Hobart she then makes back to back finals in saint petersburg and dubai in february. Of course she makes the final on clay in strasbourg before losing in three sets to fiddle nina her power translates on all surfaces. I haven't seen her on grass yet. I just with the power she plays with. Can't imagine it's going to be a struggle for her. But i'm telling you folks elena rebecca twenty one years old currently nineteen in the rankings. She's the real deal folks. She is going to be a top twenty player. I think for the rest of her career because of the power she can play with. And i do think do i think i don't know i'm not ready to say. She's a grand slam champion. But i do think she can be in the mix in the australian open if the draw breaks right if she gets players who like i think sofia canyon cannon who were about to talk about in next. I think sony kennedy's worst nightmare would-be to play someone like now worst. Nightmares pro soccer sapling but rebecca falls in that category. Where you know kenan's gonna move the ball around the court. Of course play. Variety tried to disrupt your rhythm but rebecca's got that sort of fu power that it really wouldn't matter what cannons doing because if we're bachan has executing well she's just gonna hit kenan off the court and that is something worth noting To start this season so again really nice performance from elena enough for dario kesse keanae still thinks she's going to work her way back into the top fifty season With despite all the talented players out there. She's got as much racket talent as anyone But this was just a dominant performance from illinois rebecca to advance to the quarter-finals. as well. let me tell you power. Tennis played in the quarterfinals. Between her and sample inca will definitely be worthy of at least three minutes of conversation in our next mini podcast. One other match. I just wanna break down quickly and less context more so than just the actual match we saw on court. Sony canon rob played her best match up season in knocking off yulia putin save a three six seven six six four but it was tough sledding for the young american the defending australian open champion again in this match made only sixty percent of her first serves now with over fifty percent on both the first and second serve points and held Yulia putin save a to forty point four percent on her own second serve. But you know both of these players. Five breaks on twelve chances. It was just you know putin save ahead. A bunch of chances shoes outbreaks multiple points in this match up a break in that second set as well. I believe had opportunity. I don't know if she had match points but she certainly had a chance. I believe to serve for the match in just with all of the variety cannon plays with all the different things she can do to you and i asked her about this and you can go hear her answer in the from the press where we did from day one in abu dhabi she just. She doesn't have a go to weapon. Well the thing is her. Go to weapons her mind. That's the truth. And it is a goto weapon because her mind is as brilliant in his analytical as any out there in the game near her ability to you know incorporate a variety of shots short angles elevated topspin slice. Just drive down the line all different things. She can do her the judgments she can make mid magic how she wins matches but it's the spiderman meam watching putin savo who probably has a little bit better footage birth speed than cannon. Maybe not quite. Although she's got some pop. I don't think she has quite the arsenal of shots. Although she can do a lot of different things i just don't think she does them as well as canon. She's probably a slightly better mover slightly last variety and this led to some long points and again i just think for sofia kenan sonia cannon whatever we want to say how difficult She makes points on a match by match point by point basis. It's just not easy for her to win matches. She has to incorporate her variety. Now it's not hard for her to win matt. It's i should say it may not be easy to win matches for sofia cannon. But it's so hard for her opponent. Beat her because of all the different things we can do and of course. That's a fine line to negotiate in this match. Chief kenneth seven double-faults. She knew have to be a little bit more aggressive on my second server putin save is just gonna feast on it and then i'm moving around and playing on her terms and i do just worry with the mughal. Ruth does of the world the sap lankans of the world obviously osaka's of the world and rescue coming back. I mentioned him unlike reebok and they just have this overwhelming power. That canon doesn't have and so will we see a step back from kenan during this twenty twenty one season. It's something i've discussed with others throughout the tennis world. That's something we'll talk about in our stock up stock down. Stock hold podcast. We are doing next week. But i'm intrigued. I'm intrigued because putin did enough here. To make uncomfortable. She kept her out of the center of the court. Ask cannon was moving. Putin save around but putin save was able to dish back. Everything can was dishing at her. And we've talked about how well yulia putin save a has played of weight. This man late this match. Just it felt notable because ken feels very beatable right now and i know again i tournament of the year still finding her legs still finding her bearings you know in australia. It's a whole new sophia kenan. Going to be locked in in a way that she just probably wasn't here in abu dhabi and she was open about it before the tournament. I'm here because i'm restless at home. I need to get some matches in before. Australia's starts. That was her reasoning But her level of play leaving some balls short. There's just some again it's just. It felt a shade attack -able and that's not something you usually say about. Sophia can and so you know a great win for her bounce back here again faced the adversity ultimately poon save. It didn't have enough weapons to breakdown. Sonia cannon but there are a lot of players out there who do and so i found it very very interesting to see kenan. Yeah i think it's safe to say struggle against a putin save in this match. Nevertheless she advanced to the quarter-finals. Those are your breakdowns from abu dhabi. Wanna quickly just run through the rest of the results again. It's half the round of sixteen here or maybe the entire round of sixteen. It was the entire round of sixteen. So we've talked us. Fiddling and rebecca as victors. Your other winners on the day. Veronica cooder matobo who we will talk about in the next podcast. Three-set win for her over paula. Dosage bear you had maria soccer. Who talked about plenty looked so impressive in her win. Over guard muga russa. Dockery does have the athleticism where she moves. So well doesn't really matter. How hard muga. Ruth was hitting the ball. Soccer in the outer thirds in that match was just something else and so that was a really good victory for her really. Nice week for sarah serie storm. Who as i mentioned earlier is just the litmus test how good argue as a wti player. Can you beat serie tormo. If you can't you probably belong outside the top fifty if you can. You probably belong inside the top fifty. Just the you know. The discipline and her backhand slices. She'll throw at you her movement ability to start in so Really good win for her to continue her success. Here at the start of the twenty twenty one season arena sabah inca and we talk about all the time to and four over owned shapur talked about everything. Rebecca applies to sample inca as well. Ditto for marcus. Juku who that was. Probably her best performance against tomorrow's to dan six just didn't have the weapons to hang with cuss joke and cossacks. What eighteen nineteen years old. And you already have the weapons to knock off a tomorrow. Sedans who obviously had a really impressive results are early in the tournament when she beat jennifer brady. That's a great win for marcus. You again. it it's been such a fun in revealing Tournament in abu dhabi. So i look forward to continuing to discuss an and honestly i will watch the highlights as i get. My preparation underway for australia. But that is the big women's. I wanted just breakdown one match from the men's side quickly and it's a match we saw in delray beach frances tiafoe Who we've talked about quite a bit on this podcast and who actually did a match breakdown. For on page around for our patriots subscribers of for his i think it was quarterfinal. Yeah quarterfinal round against cam. Nori does look great over these past fifty two weeks. I mean he's nineteen thirteen overall. I believe he got the challenger title. Obviously in parma as well. So he's so that's that's wrong. I think tennis abstract is missing some events from the end of last season on the tour pressure. He was a little bit better than one thousand nine hundred thirteen. I wanna say he was like twenty two and fourteen or something like that during his last fifty two weeks but the point is you know he's really reset the course he makes that fourth round at the. Us open he win. And that's hard court event. He makes wind challenger on clay beating. A guy like lorenzo. Musetti federico del bonus as well he makes the semi-finals of nursultan at the end of the season where he really against should have beaten john millman but did beat jersey. Mov cast men a bitch and quarantine mood here. A three-set win for him over bjorn for tange loan. I just think for frances tiafoe. If you don't have the big serve the big weapon that can expose chiapas forehand. Or you don't have i mean or you don't have just again. The the killer movement discipline you can just kind of offset all the ways. He wants to try to attack you. Brits a really tough out man. I mean i know. He's not top thirty anymore but i believe he's at number sixty two currently in the rankings and that feels about right but it feels like frances tiafoe is on the rise the serve continues to prove itself as a weapon and i believe. I mentioned these stats. Maybe earlier in the week. I know it was on patriot on his first. Serve win percentage. Has you know it started at sixty eight point. Eight percent And has stayed up there. Throughout his career he's around seventy percent win percentage on his first serve his first serve percentage continues to improve as well as fifty eight percent back in his first full pro season. In twenty seventeen he has since risen sixty one point two in two thousand eighteen sixty five point four hundred twenty nine thousand nine. You combine what he didn't. Atp tour matches with what he did on the challenge tour. He was right around I believe sixty five percent again last season. And so you know. He's improving in the areas. That are noticeably knee. That noticeably need improvement and look for him against for tangible. Today i mean the first serve which where he thrived only made fifty six percent of his first-serve which again low hanging fruit for improvement But he went forty forty eight on those first-serve points when he can execute that i serve. He gets to play the plush. One tennis he gets to run around and has time to set up a big backswing on his plus one four hand he can serve and volley and just impose his variety in a way that it's really tougher opponents to I always say. Frances tiafoe you know. I think he's better three out of five then two out of three sets because physically what he's capable of doing around the court now. Your second serve was a struggle for him. He hangs hung some sitting ducks. And you know for tange. low a. holds diaw sixteen thirty seven on the second serve point but for instance o.'s. Been ito fritz. Jeff shown again. He i think he rushed onto the scene so quickly and then of course that quarterfinal in australia in nineteen expectations got a little out of whack for him. But i think he's working his way back towards the top thirty folks. I would be surprised. I mean certainly. I think he ends the season inside the top fifty but i think he's the guy who threatens to be seated at the twenty twenty two australian open. I know that such a far away is physically. What he's able to do the weapon. That is the served the variety he can play with. Frances tiafoe looks really good. Start the season. Ditto by the way for bjorn for tangible o who won seventy percent of his first-serve points in this match who obviously A guy who still coming back from injury who reached you know pretended i believe was a career high of number ninety nine back in twenty sixteen and then has had so many injuries disrupt his rhythm since then but look i. I can only say what i've seen with my eyes. Over his last three events in kerry he lost a first round match to jack sox six and three that was a legitimate. atp level match. I mean sock the serve. The forehand for tangible was hanging with him was redirecting pays. It's such a well rounded game right for tangible may not do anything great but he does a lot of things well He loses that match six three. But that was it was really high level and then he beats daniel galon in orlando the next week alon had played well right third round fourth round of the french open and was one of the challenge superstars in two thousand twenty for tangible. Beat him straight up three and three and that was a really good win for him. And then of course. He loses a three-set physical battle to mitchell krueger. But you can't you can throw that one out because of how well those two know each other's games former roommates partner practice partners etcetera off for him to come. The delray beach beat kevin king tuned to take a set off. Ti fo in the round of sixteen. That's a victory for bjorn for tangible and so again i just he does too many things well to be outside the top one fifty for long if he's healthy i think that's where he ends up this season. I really do think he ends up back in the top. One hundred if healthy again at some point during his career But of course. That was the match breakdown. I wanted to throw at you from dell rave in terms of everything else. That happened in both del ray. Beach and and talia nothing too crazy. Went down in the round of sixteen. You look again in delray beach. You had roberto cure rose. I quarterfinal for him of his career to in four victory over eve eve. Oh karlovic got good for the former. Usc trojan who has an atp forehand folks in the other parts of his game continued to catch up and this is just a great way to start his season. Cam nori continues to rock and roll. We'll talk about him more tomorrow in our next show. But two and five victory over adrian mannarino and then who be her. Cats starts off his season with a bang to two over. Daniel galon haircuts is your definition of a modern player. Folks and i know we'll talk about him more in a late in our next episode as well so a great start to the season for who be those. Where you results in del ray. In terms of what we saw in talia fairly straightforward folks bertini stroup boob. Like all seeds advancing. Jeremy jardine though did not off number three seed capital funding any seven six six seven seven six her d. struggled a lot during the two thousand twenty season of fabio fattening with injuries with health with various different ailments. That's a fun. Seven six six seven seven six match that no one will get to see because again intel criminally does not have a legal stream for their feed this week and hopefully that's the last time we'll say that here during this twenty twenty one season. But that's all of your action from sunday across the professional tennis world again. They're off the court storage. We plan to address in full over the coming weeks. We get a bit of a hiatus next week and by the way you'll see no. Gsp aces up the day. I'm happy to make. Itf picks for you but And if you want that please let us know when i'm happy to resume doing them but until we get the restart of atp w we may put that back on ice for the time being but of course again. We are now almost caught up on all the first week. Action quarterfinals semifinals finals breakdown. Coming up for you either later today or tomorrow depending on when you're listening to the show and of course plenty of other gases plenty of other things we have planned here at. It's to help. Prepare all of you and help you all enjoy which should be a phenomenal twenty. One season in the tennis world of course college tennis starting this week. If you missed anything from our college contender series. I believe this week. It's number two week. Force chris harrison. I talked to head coach. Tony bruschi matt. Chris breakdown the deeks on our great shot podcast feed and of course writes about them a little bit on our website. Crack dot com. Which by the way once you're there you'll be able to find all of our contents. Of course our podcast this one. Gsp cracked interviews. Inside out the sideline. Mike rate subscribe review. Share with your friends. You need those more immediate updates. Twitter instagram facebook you to act ragged wanna message directly at great shop. Pod shout as always to our super producers maxine. Continue west stuff for the job. They do day in day out. Shout as well to our friends at midwest sports. Good him in westport dot com. Use that promo code. Cr fifteen to let them know that we sent you there with that in mind for my wonderful super producers pflieger in west off our friends at midwest sports and all of us here appa crack attend the tennis channel podcast network. I'm your host alex. Can we say that the break and we'll see you later thanks everyone.
525. Insights: Is insurtech the new fintech?
"Financial institutions are struggling to fast enough to compete with new players their legacy tech and processes are holding them back but there is an answer our new report titled rebuilding financial services from inside is a comprehensive guide to what tech teams in financial institutions. Thinking on what they want the rest of the business understand to help them move forward heads to bit dot leap forward slash eleven s rebuild to download it now. An a welcome to fintech insider insights. Miami thanks very adding day shown what we're going to be doing is focusing on ensure tax and tax and the industry's can attach learn from each other together and way in short is actually going to be the cost. Insure tech insider. Ease the goto place anymore about everything insurance and she'll related and you can find it over on eleven s dot com forward slash content. Or if you really want to just so true on your podcast provider and as it so happens. We have on the show today. Two of the hosts of insure tech insider to help us go through this narrative. And talk live aboard. What's actually happening in the industry so to get us going first up. We have sacaton ski. Who is the head of competitive strategy over. Eleven as sarah. How you been. I am good thank you. It's really nice to not be in the driving seat. Get to be a passenger today. I'm really looking forward to today. Show fingers crossed. I don drivers off the road here but let's see what happens You look at very nice. You got a haircut appears to have a haircut and almighty like lack of full the klay challenge shall we say in terms of myself. Then i just feel bit left out quite frankly. It's very kind of you to mention but for listeners. George knock this out. I had to tell this crew. What the heck out. And it's about four inches short that it was david's defense. David hasn't see before. While but nigel. Next sorry fellas stitched up but anyway nice to see you. Sarah and speaking of nigel wheels are have missed an wall series managing director for insurance ago. Now how's it going nargile very well. Obviously a host to be relegated to the back of the car so as driving. She's about jer. I'm now in the backseat verbally. So i guess the in the booster seat chelsea. I'm not sure which one let's see. I'm definitely sure you're going to keep asking his all. Be on you. it's but it's it's good to see you as well. I know that you've had a head. I'm not gonna comment on it but But you're looking fresh anyway so so from a perspective. We bought it in a few people who know as much if not more about this industry. Is we do so. I thought we have david fanatic. Who is the co founder and ceo ads. Anorak how're you doing david. Hello hi i'm fine. Thanks for having me narrow. Thanks coming on and To tell us a little bit about anorak guys going short initial take startup that gives everyone access to life insurance and financial advice. We make life insurance you go to the mass market and i guess it's a connection of insurance contextual later very very good we're lucky to have you on and lost absolutely no means least there. We have women. An investor over aren't anti-us. It's been a while sophie. how're you doing. I know it's nice asking real wall since i've been on fintech inside a so really excited to be back and this is like my favorite topic. The intersection event tech so. Yeah the fun. Things are happening there. I just wanted to say like. Oh my god says well also just especially for the well. Well now i feel bad then the after this but in the meantime let's talk about the subject matter because as you say that intersection is really interesting. Isn't it those loads of interesting things happening in in insurance loads of interesting things happening in in banking but overlap is. There's just such a flurry of activity between plays and will ensure that can learn from vinton fintech learned from insure tag and actually will be insurance. Industry can from banking and vice versa. As well maybe before we get started just to kind of delving in and a couple of the the the stats. Ziggy focused on the the uk market. Last year says twenty twenty really confident that it's twenty twenty one everybody. I'm not sure. I think it's because we've not had to. Actually roy take down yet. Then it's not really true but Lucia two thousand twenty. You can't sure tank. Companies received a total of investment amounting to three hundred sixty one million dollars size hundred and sixty million pounds and that was a rise of more than sixty percent from two thousand and nineteen. According to tech nation commercial mobility insure zego has been the. Uk's thurston schulte on raising one hundred fifty million dollars valuing the company at one point one billion dollars. I mean sarah nigel. Zico seems like a like a real sort of rising star. And you're going to write this on insurance ecocide. A couple of weeks go didn't you. Yeah i think zero is one of those Tax which is you know. Brian link some of the success. We've seen so one of the things that you look at the uk. It market has perhaps forum handle lag. Some of what's been happening in the us and actually to a certain extent in europe ego is really proving the leader in the trend than showing the uk is catching up fast. has done incredibly well and it's great to see in-hop-ido build up more to follow anisimov patent. What do you think. Joe i mean. It seems like the flurry in the market and the investment in the market seems to be bubbling up in quite a a an interesting way. Just only in shows excited to start with but equally on my intersection as well. Yeah if you think about the first half of twenty twenty zero zero net you start ups so the funding and the maturity of the organization. I'm sure safety will correct me if i'm wrong. But from the research. I saw the zero in the first half but the funding that was as you said have gone up which means we are now seeing a maturation which word wherever maturity or maturing of organisations. That are there we. We saw quite a few failures. We saw quantity you. Folks disappeared last year. Fortunately for for various reasons partly pandemic related partly the businesses at the right time but the likes his ego. There's many others in this space now. I've i've been with few over the last couple of months. That will announced raises rounds. Or whatever else. I could not be more excited for where we are and for too long. I think sarah said the same thing. I always worried that the uk market ensure tech specifically fintech never really raised enough at various series. They're always get five hundred k. Or a million or one and a half million whereas you look at the counterparts. In north america the be raising ten million in precede money. I never understood why whether it was the market opportunity or ambition or whatever else that feels like is now changing Now it's good. I mean the money usually precedes industry. Change doesn't it. And so if will come to you and that one and not just the treasurer for the entire to the industry on that side of things but ansa mrs clearly putting a dead on both sides of the spectrum but is there. A commonality between the industry's. Because i mean i feel like the sort of flurry of change that we saw in fintech initially know it wasn't just about in capital as great in a capital house. Money helps with everything really. Let's be honest but but actually the binder broth is between insured tech in fintech. It feels like there's a lot of familiarity between the purpose dry pursuit of changing those industries. And a lot about. I guess he's down to incumbent organizations maybe not really being progressive enough in terms of the the consumer experiences. But i i mean david a as somebody who's coming to in insurance and started to make those changes install to to really be successful making that happen. I mean what was your driving force for. Coming in what was your. Why was this passionate of yours. So i come from. The sofa will so come on. Come a long way sitting so fast. Unmade dot com so so my passion is about consumers and making digital experience. Grow very fast. I think the big difference for me between fintech ensure tech consumer engagement which means that image in fintech you can be. Services is that people will use on the day vase. Insurance is a very different product. Although you've got the big mammals and you've got the regulation and you've got the same amount of capital that you need to be an insurance company and appetite of your customers for your product is very very limited. Which means that each a challenge when you start looking at how you solve people's problem as i think that's the difference between the fintech initial take and this is why it's taken away before Got excited by some of them consumer facing in short proposition that they'll now. Yeah i mean definitely on the insurance side of things the level of capital that's required and obviously the banks thing they have legacy until you start looking at the read shirts space and actually like go down. Say seriously. I get on the process side of things but it's interesting i mean you've you've made that transition from you know Safest to insurance. Actually you'll solving a problem solving a real customers. Problem and penny. I think that's the the drive. Which is we've seen. A real is in entrances into insurance and banking financial services. Brutally of people here truly get how to deliver compelling customer experiences and that changes the game because really very much dramatically changes the big incumbents need to do in both of those faces but i see sort of both fintech and ensure tape being driven by real consignment problems. But what do you think. So i mean this is oh see an area that you guys are particularly interested in as well. So what's the what's the drool for you. Yeah i mean. I think it's a really really interesting time. Full insurance insure attack. Kite has been a real accelerate in digital transformation and not being able to do a lot of thanks to face to face kind of brokers really used to selling face to or having to sell by. These is these digital distribution methods and also having to think about lloyd's shot their underwriting room for the first time ever air econ positive Writing you having start teasing data and technology so. I think there are a lot of interesting trends. I mean nigel. I talked about this before you know. The the financial crisis was was really stall fintech. What is that trigger for you to really capitalize insurance insure short and i think we might have hit it in cave it and the other thing which is the reputational damage that happened to insurance During covid of them policies not paying out specifically within small businesses. A now insurance already having to react and think about that brand so i think in terms of the intersection between fintech show tech. I talk about this for like ages. And i think that'd be more to come but to really interesting examples that i've seen from a portfolio is one is a company called stable. They do parametric products that is based on commodity so hedging volatility of commodities for farmers and other food distributions and. What's really interesting about that. Is they wanted to do as insurance product or they actually had to merge a derivative products with an insurance product to be able to facilitate a really quick and easy use experience for the consumer but really really complicated back end. And now you're saying actually these products that's completely intertwined fintech ensure tech and. I think we'll see a lot more interesting for development coming out of that. I mean it's interesting. isn't it to customers care. Actually to your point is like we we. 'cause we sell pocus until about fintech. Insure tech stuff and the regulators care because they regulate individual silos of financial instruments but the documents from a customer's perspective like they would prefer to be in a situation where more of this stuff is being merged to actually meet their needs. Without all of those gaps say between would logically traditionally a kind of a financial instrument. That's really interesting. You point on covid as well. I mean nigel. Do you sort of showed that point with with regards to sort of covid being a an accelerator trigge. An autopsy definitely went looking at a financial crisis in going. We'll brilliant. this is going to be grateful for. Fintech would definitely not looking at coveting going will at least ensure tax good. But it could be as you say that catalyst for almost the if not now then when tight moments for changing technology and changing structure. Your let me just go way back though. 'cause i'm gonna bring these ago. Defiance high matoco fintech and in truth and together and i think the key thing here though is the thing i keep observed. They all operate different speeds. We check our bank. Cows daily weekly monthly check insurances. Unless you're fanatical about it like probably most of us on this podcast don't check it. That often and i think tiny things together. We're either hitching a caravan to ferrari. I should act to fintech or we're trying to level them up. But i think the point about lovely of the pandemic was actually over. This matted we've jumped from specialty commercial and icing with lloyd's of london and the being shut down to small business to individual insurance and there again they all operate at different levels and at different paces at different speeds. So it's very difficult. It would be like comparing retail banking wholesale banking and trading on the conversation. They are truly. Did joe jerry dividend industries. But i do think to save his point. The pandemic has been a on one hand. Big seront as in. Everyone's now leveled off. And i actually think it's negative for the ensure community negatives because now everyone has the same capability now. We're good enough inside the incumbent world where we've got to the stage of a traditional bank offering card freezing that it didn't do three years ago when someone else did it but they can do it now. Does that mean that your bubble by bubble ago pasta shoebox. Fox's are going to move to a neo. Bangkun sure so i do think covert has has been level up moment what we do that. Now is the big question do we revert back to the words as you'll have the officers every six months or so or do we use it to leap forward. Go those hundred years of legacy that you've got all our time for change doj we invent your world starring scratch in a surprise to absolutely nobody. I disagree nigel. Just because he's not you know. I don't think they have leveled up. I think you'll giving them too much credit. I think they have finally realized they need to level up. I think that's fair. I think that they were a lot of. He'll dragging before this. And i think that this has made them realize that they do need to invest more in systems and processes and actually looking what customers one. I think big thing about covert is customer awareness and win now appoint where insurers and ensure tax can really capitalize on the fact that a lot of people suddenly going. Oh my goodness travel insurance that something. I should really have the property cubs me. Oh my goodness health insurance. Oh my goodness life insurance mean i'm sure david scott some stats but i know that damore traffic insurance has rocketed because with this sudden awakening of consumers and particularly small businesses as well that all sudden is you're gonna need to pay attention to and i think that will help with the coverage gap but. Let's get into a debate. Because i feel to. Hey important because actually in an so. You mentioned the the financial crisis which is like. Actually it wasn't just the financial crisis it was a it was a catalyst of a number of things that led to the the weed and wonderful environment that allowed fintech to flourish and the thing that i think ensure attackers are was lacked. Competition really is neverland bad ideas. But it's lacked somebody in the market making it happen and it really does seem like it's actually post lemonades you know. Ipo you know the impact that has had now seeing real competition for customers in the market. Then actually it does feel like the tide is definitely sort of shifting on that. But i think it's a similar problem because we talk about this a lot ways with clients but when you look at the banking industry we took to paper and made them on a website and insurance took a twelve month policy. It was just on a piece of paper and made twelve month policy in a digital world. And actually that doesn't make any sense. So i think the the principal is very similar that we've go big incumbent organizations doing what they did an analog world in a digital format and we'd go digital startups coming along showing that there's actually a much better way the way that you doing. David is is different. And actually it turns up the The heat really on the existing incumbent. The existing players compete dolly really. I think we need to remember that the concept of bank and insurance working together so whether you could take Very old concept in the uk to cuff selling insurance proposition into banking environment is something that is very common continue to european in other geography like we just need to reinvent how goes forward investor but there is a lot of trump voters. I say a really good point because bancassurance has not worked in the uk. But it's not worked in the uk because it's a good idea. And i think a of people fail to see that the execution strategy for in most banks was awful. Like actually it was insurance was fighting for basically marketing placements with people who owned. Pnl's that were able to shout louder than them so we just never. It never worked ended up which is sorta no that that definitely doesn't help was sixty four billion in fines on that one. There's something to learn. isn't that expensive. I think it's i think is the industries are very very similar. The catalysts for change seem very very similar. But actually i think ensure tech and fintech this huge amounts of overlap and shoot huge amounts of thing but learning the banking to insurance insurance to banking. You know we we are seeing insurance companies really think about going into banking now and that is. That's something that we have seen happen a few years ago but it is fascinating and it seems like it's really pleased for big change. So if he what he's saying. And i think that they interesting cup competition I'm sure we were gonna come talk about anyways like if you compare a combined king. Mpa st to like how that's a spooned innovation and competition within the banking industry. And then you look at insurance and you really got that that same sort of regulatory pressure and although like you say insurance becoming modej told the whole kind of sharing data. An api standardization is is way behind in terms of the industry. And i'm will really. That's kind of stifling innovation because that's always the roadblock because you need to go back to the Provider to understand what the policy needs to be in to be able to a and we bought she sees a couple of startups trying to be the sort of stripe of insurance and going and building the connections to the api's but the april is just on even good enough yet. So i think that there is something that you ensure tech industry needs to learn from the banking industry to enable that sort of partnerships. Be more efficient and effective. I mean what what we haven't really seen as you say the api connie for insurance really open up. I mean cross sell enough settle has been a thing as you described before david. We have started to see. Not stalling probably led the way on this to start with intensive marketplace banking in being able to add capability and features. In fact actually david. You'll positive stallings marketplace on you. Yes we all other insurance companies and key talk to is a little bit of. Don't give any van boden secrets away. Like live on the podcast. She doesn't see that particularly calling lee and she will the me aggressively so But if you don't mind like whoa do you. Guys see the benefit of that into distribution. Is there you know. Is there say distribution strategy that actually works alongside the fintech spices. Well it's it's an interesting model it. I think he's still small. Let's not make it new revision shallow even for us but it's an interesting one because when it comes to ensure take is to meet the customers. Well they all in terms of distribution and we talk a lot about embedded insurance. I took a little bit and buried insurance jerry's and this is what marketplace is proving. The use a trusted brand. I studying and you people waste the right proposition that they may be looking forward just trying to discover and it's a great discovery journey for people to buy insurance product or to be connected to an analysis of very transparent and these works very well particularly when you can use data you pass data from a distribution player to a small inshore. Take that she these data to give you a very personal dot com. It's a very interesting model. Contributes to growth in steve found small as a as a distribution player. Because if you are reciting client you. We know that to find the marketplace. You'll really really to for it. But it's very interesting muslim. What what do you think. Sarah of that type of aggregation of services i know had making k would on a number times before when she was in an has stolen days talking about the the different levels of integration. It was sort of physically Handle to another play doesn't really do you know marketplace so real big service that fully integrated service into what stalin kit for that that feels like where the benefit could really come from. Yeah i mean i. I agree to david's point. The stalling doesn't necessarily promote its marketplace front and center and i think possibly bats because the full benefits the marketplace haven't been realized yet which would be that that sort of full embedded experience without a hand off. I think there is potential death muddled to really work. But i think we need to get a little bit further down the line where it's curated sevice because at the moment having a marketplace of offerings is great and it does bring new brands new brands to me. If i'm in the market for life insurance but also for whatever else happens to be in that marketplace but we're missing. The moment is that that doesn't help me a great deal further with knowing whether that's any better for me than a another provider or not so i think there's an extra level that needs to happen and i think that that's a combination in the hasn't happened is a combination of unique priorities. Allow these marketplaces have to choose where to focus. And if the marketplace is perhaps a second drill thing is offering may maybe stalling concentrating on that that banking offering and also their banking as a service very so there semi offering than the marketplace. Can they have to prioritize. They have limited resources. I think the other thing is possibly is that the technology particularly on the side of the insurance. And i'm not talking about david. But i'm talking about the big insurance because some of the partners that styling has are all big legacy players. It's just not yet for them to do it. So even if you gave the data they wouldn't necessarily be able to handle it. And maybe that's a that's marketplace's really need to head towards will not yet. But that doesn't mean they're all brilliant distribution methods where fintechs ensure tax working together. I mean i think one of the interesting ones that najd have spoken about his hiscox working with free agent Now he's isn't an insurer tech but the way they've gone about working with free agent the the accounting platform is a really interesting strategy and they've put a lot of kind of acid into making sure. Is that trudy embedded experience so they can pull in the data room. Provider astound quote So i think there are definitely ways that things can work together. A stigma about marketplace model isn't quite where it could be yet. Yeah i mean having a an aggregate you're at the side of thing rather than we took a little about embedded finance like the benefit is when it's really embedded into an experience isn't but sophie view on that. Yeah i mean you take me up right now. I was gonna say kind of bit. The kind of holy grail is to move towards sort of insurance. That's that's in context presented when you need it the example that is a bit overused is revolut and they using. Gps te when you're near an airport to ask you. Have you got trouble insurance. They're a examples. Potentially banking data could be used to to naci when you've made a sudden purchase or when you're doing some things to say. Have you considered this insurance. Maybe you're buying a house or you bought large product. And so you know the move to embedded insurance. I think is is an interesting one. I walks for certain lines of business. But i think it is an interesting angle and i think to tonight. Tonight's point before. Do people want to buy insurance or just do people just want to feel safe or taking care of and and actually left. Maybe less about all i got this product. Cited climate change is a really good one. Protect us protect my home. You know that means putting security in the insurance warranties excetera so i think the risk management sort of protection will become more interesting than just an insurance policy very much. Subscribe to that and literally would subscribe to that as an insurance service because you know from from my perspective he do. I feel really protects my house. Will it's actually nest. Guess google now rather than Nuggets don's for everybody on the cost because you'll entering so for me. Actually if they offered me an insurance product to protect my house given the access of information that they would have to know. I'm taking care of my house than that feels like that. That overlap really comes from it but we'll come back to that point because i'm not a no you'll have view but the on the digital banks being a sort of a distribution point for insurance i mean is that is that helpful right now or is it almost to my point earlier on around you know big banking doing in bancassurance didn't really work out the you don't want to. You don't want to look like it's not a good idea. Because the demographics of challenged banks and not necessarily the people buying all the different types of insurance that you would want them to necessarily the the risk profile that you would need them to be given the given the demographic connect so i mean i is challenged banks of distribution point without yes and i think sarah tweeted yesterday about seven hundred tweets of people raising money for it felt like seven year olds. They have no money so is why is the right sort allergy bank. We all back revolut journey to fifteen million or twenty million customers now with their potter choice insurance or another partner of choice they have is choke and then you take a traditional incumbent huge insurer that's booth protocol chug studio which basically legacy platform. Api the middle plug into distribution channel was is exactly what david in the marketplace has done a sterling anorak elsewhere so i think they are absolutely requirement to enable distribution back to my point earlier because they have the gauge point. You joke about nest right but nest in before. I joined the firm. Send me an email once a month. Going his young for your smoke alarm. It used to be a battery. That would die every four years ago. Change actually but now a month each check to go. your smoke. Logs are working. How many times has your ensure email. You probably not right. So a lot of his engagement. When it comes to engage with only two bancassurance as you think is making a huge comeback. Now we go to the how we dissect the globe because different countries. That means different things in different ways. Go back to sarah's favourite territory. Look at the the royal commission review australia and the reason that hasn't has challenged one you mentioned. ppi. The other of course is advice guidance. Right how advise your david. Willow is much better. Be versus commodity. I think sarah also if you touch minute ago. It's a straightforward travel. And we give you the keep action and straightforward way. Then it's a simple acquisition but outside of that if you're looking for guidance about context and what's right for you that you do need to have an amazing chat bought or digital experience all be the opportunity to speak to someone that can take you insights of put them into what's right for you. There is a tied with the person i mean. We were getting excited ten years ago when payments were doing things like oh payments it's fintech and that's great but it's like what about actual banking and insurance insurance. What we've all all my so seen is like the digital call on distribution but it hasn't really cool on the bit that's really important which is like owning the product servicing the product. I'm really that. Was well lemonade to his doing differently was it wasn't just how you bolted. It was about how you managed it. You'll point around. When i was a big insurance company before i went to a big bank outta killed like retail banking engagement. Because actually i any suma customer every year and that was usually when they were upset by then preview. Sorry it's like actually you needed to see them more frequently to create a relationship with people to be able to better serve them. So i think there is a again. It feels like history sort of repeating itself a little bit but i think with the detroit in grounds that we've seen in the fintech space. Hopefully and she'll take can can learn from that and do better as well in terms of the next chapter. Is sarah any thoughts on the last part of that. I mean we talked a lot about retail but oversee from an sme perspective and sophie from embedded. Everything in venice spent perspective as well. Then there's so much in that space for the sme's is in the yes. Absolutely i always think assamese all perhaps a better place to start when you're talking embedded insurance because then much bulat to have somewhere they go to already for all this episodes so i mentioned free agent but you could replace that with zero or injured quickbooks. You know anyone that is platforms at work even square. You already go their business. That's where you go for your payroll feel invoicing supplier management for your counting of those things. You already go to that place so why no at one. Most in and particularly in a given the those companies are morton companies new companies. Who have data about you and know how to handle it. They should be prime for being able to recommend you insurance products that suit your needs and you know denote notice point about engaging you will engage with that platform if not every day at least once every couple of days business because it's how you run your company so it's the perfect place for it. You know i think cover genius doing some really interesting things in this space over. In the states that that that quake product they just launched with quickbooks is really fascinating. And it's it's a specific product. The fills specific client need in a specific region that has been created based on data. They've gathered so if i was looking at the potential success. Places supernatural places where embedded insurance. Really take off. I then i would suggest essa me but i'm gonna handover to sofia because she knows a lot about that is not true. Sorry you know a great deal of this but yeah i just wanted to shout out one of our portfolio companies. Because i think they've made a really interesting transition from tech to fintech and cut the divide which is a company called And they started providing single invoice insurance on b. two b. marketplaces so protecting against a risk of default and have now started to offer a sort of buy now pay later products to those customers. So what's really interesting is. You're seeing eva. Fintech companies going in with a fintech wedge and then offering once. You've got your customer you know. You've got the brand reputation and they know they trust you. Then you build out the products and you go into insurance or you went in with an insurance products new build out into fintech products. And i think that's like sarah said. Sme actually is a really interesting this fall especially as a lot of the data is order. Digitised three these accounting platforms biking data. I mean that's that's fascinating. And i think the the trust point. I'm gonna come back to in a second but speaking of interesting transitions transition to a break. But can i say eleven. S is supported by banking circle. connect to the fastest. Most cost efficient and transparent payments solution available in the market trust in financial services has been increasing but with trusted technology companies decreasing the pandemic accelerating the shift to digital financial services. It's more important to actively build and maintain trust in association with mitek we've launched a report but explores the current trust issues facing financial services brands. And how they can be overcome head to lee forward slash digital trust report twenty twenty one to download it now so just to pick up so fuel not on that trust point then because i think it's sort of fundamental to everything isn't it really you keep going back to the point on the tax side. Actually i think the do pechiney t was was there. Because if i almost a bit of mistrust like safe from the financial crisis and actually you know maybe with everything that we've seen as you said with the new crisis with With everything that's cove then. Is that crisis. Trust y in she'll take potentially has more of an opportunity to acquire customers. Trust is such a shades of gray. Did a normal people on the street trust in texts enough yet in order to take those time to recommendations from them and i guess what is the the coal of the activity. That sort of gets them now. I i i often. Every time i talk about insurance. I ended up talking about competitive. Malkin cats because it's like it was just above the line spins that got them into the mainstream psyche. So is this just the cycle maturing a little bit and then people they'll be trustworthy sponsoring football team. They've got tv. Do you think yeah. I think it's a really interesting question. And i think as well i'm going to be able to buck. It's come on crystal ball. Pairing parents micro simple. So i think that they reputational damage that has been done to insurance through. It will have an impact of people looking for something else in something that you know another bronze that they can come hold onto. But i think the interesting thing is around the prevention aspect of it so a really good example vitality health insurance right so they all that really keep you fit healthy and people love that brands because you get a free pair train as year and you get a discount on new jim subscription and and really. It's like the idea that you're kind of building around someone's lifestyle and helping them do things that will make a better risk. And i think if you can apply that to other methods or other policies or types of insurance then you start to build you conscious. Expect them to be like well. We don't trust the big insurance that we are chopstick or somewhere. Let's put them in. The insurance ex like that. Trust obviously has to be gains. I think he's done just through more understanding of how people live and how they can support and help. Yeah i think vitality are really good example of a service leads insurance company because they are all as you say about managing reducing your risk but managing your life rather than just flagging you. Some insurance rocks. This is not an advocate for vitality. In case anybody was thinking but i mean what what do you think on that basis because i mean trustees multifaceted. There's an in terms of what it really means. Do you think there is enough trusting ensure tax david. I'm definitely gonna come to the u on this one because clearly your customers trust you will come to you in second but nine hundred think there is enough trust in the market. Yes and i'm contra. To safety said share in a piece of work shock. Did the survey they had dodd. Said something along the lines of trust in insurance during the pandemic had not declined and you can read two ways. You can read in okay. That's positive or that they were just the first place so you can read in either way. But if you young nigel. Did you expect to bank. So go starring zone or a brand new position that didn't exist ten years ago or life policy with anorak or lemonade brands. That didn't exist in. Probably it known but equally. We're curious and we're okay to try these new things so i was dealing with the financial day that sent me impossible communications in a former read and i just you know what it's not worth the hassle. I'm going ahead. So the ease of use was a massive. To anorak of i go to any of the new fintech. Ensure tech's won't thing they worked on straightaway seemed to be ease of use. And i think that's where the digitization and leveling up back to sarah's point in some cases that's a fair point hasn't come if they don't get that right we will trust that. I mean David from your perspective. Obviously you've you've entered the market. You're establishing a brand in the mall and gaining trust from the in the general public is is a big paul being able to distribute your products. I mean how. How are you going about that. Would been the the perch. It's always the same the same challenge mode. I you have no money. Some of the brand the experience and you as as nigel surrogate the the the terms. You try to to make a good job at what you do. And then you need to invest in this brand and on different channels. And i think trust doesn't come naturally and it comes as a lot of sweat and a lot of cash that you need to be between this to accelerate and i think shorts insurance start reserve default lack of trust which makes it even harder. I think to gauge interest in people. But i think the process is no different from any other consumer market down teasing interested in your view particularly on this on the david. Do you think that's my point is second ago around really. The the industry insurance has sort of been commodity. Sized are briley wrongly inserted slices of of the industry because of ankara gators so whereas banking sort of hasn't been in that sense because banking is more about you know with savings or mortgages. It's more about having it than as buying it. Is there a little bit of almost like to reeducate. Think a little bit around good insurance sees and actually walk being covered means and the things that you actually need to be looking for in the insurance base and that for me actually is a is an opportunity for ensure tax. Because actually if you'll if you'll seem to be Helping the community and being a little bit more virtuous in terms of the ways in which you're establishing those things in the way that actually i mean sophie fatalities really good example because for all of the things that they do then actually it should reduce their revenue rather than increase revenue in terms of the things that they do but it works in them model. So i mean david is that Do they mess a challenge with ensure that may be fintech doesn't face distribution is a challenge. So he should take a great company like marshmallows. Great product they distribute on price compression as well so you need to be a great product but then distribution. You just use what people want to use an. We've been extensive research when billion reich on people using price comparison website. Could we are thinking like candy. We gotta reinvent the way because people very keen to better understand their insurance and they don't care. I mean general insurance ready won't committee ties way price proposition that they can buy online easily. And if it's a great product that will like mush medal crop they won't bite distribution is always a challenge in life. Insurance is different because you can even care even less than that just a very quick. I would also say we are in a very mature market in the uk. Absolutely i'm learning rapidly about the north american market and other areas as well in much more detail about how how lucky how much sure the uk market is when it comes to pc ws or digital distribution laws and good stuff because other areas of the world. I'm engaging right now seem far behind or reluctant to move away. Better job at controlling the distribution the kinds world. That's the thing i think. The the places that are generally further behind because the stranglehold of the incumbent. Plews is stronger and actually sarah. You love the australian marquette. But they straight market the canadian market particularly. I think have been really bad in this space for really almost controlling the market in not quite monopolistic kind of ways but actually in a way that actually reduces competition which is ultimately naw great thing for customers and it's been hugely problematic in australia on financial services you know whether it's bank angle or insurance. They have the very few companies that just you know. Run them all care and one of the advantages. Australia had talk about the financial crisis is that they didn't really health one. So when the rest of the world was trying to pick up a piece in the banks back together and bail them out in. The bank had sort of sit there with their tails between their legs in australia of the financial services companies because they managed to largely avoid recession. Just sort of carry them rolling and what batman was that they could invest in massachusetts. So if you were trying to launch for example monzo in australia you would have found that it had feature parity with the apps to the big banks already had their present extend. That's true of insurance as well. Although arguably insurances further behind banking. because it's just a fact of life. I've yet to be convinced. Otherwise on that but yeah i think the dominance of big players in that market has really hit it and i think the interesting thing about the uk market of course as you say with quite unusual in that we have price comparison websites. But also not that. All of the rest of you we don't use brokers now brokers can act in the place for price comparison slide in in some places if you're looking for that point of contact the consumers goto to look for the product but obviously the difference. There is that exactly today but the point a price comparison website will drive you almost always towards was the cheapest is just generally what happens unless you very specific needs as you know you need. Abcd covered you will look for the cheapest way you can build loyalty there. I think is when you actually buy that product. As david says it turns out to be a much better experience. You're more likely to think okay when when you roll around. I'll stick robin twist. Particularly of sticking doesn't come with a penalty of an extra Quick year or whatever ridiculous field is that ensure received just chuckle Blue even though your circumstances have changed. Yes sorry went off in a bit for tangent nap but yes rent over. That would definitely also my question. No that was good. So i mean it's interesting. I guess if we if we may be turn turn off future to a little bit further forward intensive like where where we're gonna go with. It says you say no joe. I mean different geographies or getting in slightly different time zones. Will you know generations of progression on on that. In the way that i guess Has moved differently in different geographies as well. And that's kind of what we're seeing is. Always the new startups having to evolve very differently to to suit those different needs and different players in those different markets. But what do you think's going to happen going forward today. Are we going to see big insurers competing heavier weeds ensure tax in terms of capability functionality. Technology are we going to see big banks getting into insurance. So we're gonna see insurance getting into banking like ask you all of these. Things are sort of on the table. This point given the point in the market where crystal lower again. Where do you think this is going this nick. Safest crystal ball. The one thing you didn't mention was an i've he's just exulted before who's gonna build it. I the motor manufacturers. Get a build an insurance company before the start building ours as an example. Now we know the answer to that. I'm pretty sure that we've seen plenty of examples. But i also think we've seen enough affinity partnerships over the years i hey company x. positive company-wide to be the exclusive provider of something. I think we're going to end up with a marketplace marketplaces. What i mean by that is. We're going to see anorak on lots of different places. We're going to see starling embedded into some of the insurance ones. It's always going to be crossed. Further word is there's always going to be verbal everywhere and the real shift isn't product or function. The real shift is finally a shift back. The customer not say cake right so we keep getting all these gradients but we actually just want. The cakes are actually now. We're getting back to david's life of it. I got to my favorite ad for john. Lewis always be two thousand and ten which basically shows as i go through childhood through school through teenage years through dating becoming a bomb pair parent grandparent etc. How do i be there if you every stage of your life. No keep this which product by puerto biproduct. We have the insight we have the data. We have the capability to engage them. Frankly we should be rolling up the things that matter most viewed that time. So i think it's going to be a shift away from product and a shift back towards consumer or customer. No i agree. I agree with that and it sort of rolls into the trust point. We were making earlier on. It's hugh is going to be. Best positioned to be that point of trust and point of distribution. But david where where do you think the she's going in and we're going to see much more collaboration. And we're gonna see more of a has covid been exhilarating ration- point for for ensure tag and and fintech together Where do you think we're going. That is definitely taneja choice. Much more truncation between two south casino. Any for me. The next lemonade is remote. I think you'll see in issue month with cooking in insurance and it's gonna be huge. Basically beheaded one of the biggest shorted in europe to be their on. Mj company so yeah. I think definitely it's commodity gets that's a full shadowing foreshadowing look forward to hearing about Sarah what do you think where. Where are we going with the industry. I think sort of been on today. But i think we're going more towards holistic services that protect rather than cover if that makes sense so we're going boot towards the idea that you know it's not it's about buying a product for me on buying it said. Isn't that services you appoint david home protection or family protection. All you call car and the car comes with all the things. The financing and the insurance and the mo emmy automatic thing cools. the united. Like goes on nurse on your dashboard. And you've got to actually get a phone now and call the garage and get them to actually find an appointment. And then you to book need to put nearing calendar. Why am i doing that. The call can do with that for me so moving to with that kind of listrik opposition. And i think that's where you get be convergence at the fintech and the ensure working well together because the funding comes from an insurer tech the insurance countryman insure attack and then you've got kind of a holistic service provided that wraps that all up and everybody gets to focus on what they're doing well and me as a customer. I just get exactly what i want. Which is a call that is safe about bruns or a house is safe the icon keep paying a loan back on and actually i'm not paying too much because i've got some clever thing. That's also switching my bills for me while checking to flood and my contents is insured. I think that's where we're moving. I'm not sure we'll be there anytime soon. But i think we're starting to see elements of that come together. Yeah i mean there's this if anybody's listening there is at least seventeen good startup ideas that you know free to jump on those ones cut salary would be my advice. think we're going with it. Is it a sort of into woven services. sarah's described. yeah. I think i thought it's the drain and i think i guess my kind of two cents would be on the short to medium term. What needs to happen. Which is already happening already is just more kind of opening up the data digitizing of incumbent. So that these partnerships just walk better. And i think the easier that the ecosystems which we've seen from fintech rarely is easier the ecosystems can interact. Data can change than than the best of these services can be the end customer and so i still think there is walk to be done in the short medium around that face. I think for me Agree with everything. Evil said you know. I think we're seeing technology changed the industry. I think we're seeing regulation. Have an impact to the seeing competitors changed the industry. I think we're seeing new. Plays getting in. Teach the old dogs new tricks. And that's great. I think fundamentally the thing that hasn't changed all of this is is is all of you have said is our customers. Don't give a damn anything about financial services like we do. They is all of you have said they just wanna be comfortable doing what they're doing and feel that goes somebody from a providing them with services that is on their side and actually i think new innovations who were doing really well and the ones that are tapping into that and and providing it. And at the moment it's quite simplistic but are really subscribe to sarah's point of the future of where people want to get to you is something that's where companies taking care of them rather than insurance being something that i have to take care of so i guess on that note. We probably should wrap up. I know so you've got another three hours. Eight can talk about open. Banking and embedded finance and nigel. I know you can talk about everything which is great. But we're going to have to wrap this stage so thank you so much for joining us today. Everybody really appreciate you guys. Making time Where can you find a little bit more about you. So yeah you can find me on twitter at sofi win woods. My email addresses sophie dot if any interesting stops aw tackling. Any of sarah's big ideas would love to speak to you. Please give sarah some advisory sheds on site and yeah if you want to find more about the For david by can people find out more about you. And eric find more about iraq on lincoln technologies and you can email me. Shorts to took a bus revolut does he vanik yearly at anorak dot life very knowledgeable. Weck nih-funded about you and google. I mean i guess. Google shit stage right but i should say. Let me google that for you but probably should because it's a very funny sites. I'm on twitter at niger. Wash i am usually comparing notes with sarah about people scooters six in with lights and no helmets ridiculous and sarah can people find a little bit more about you and a thousand others audience. I'm sure you go well other than hosting enjoy tech insider or indeed fintech inside. Sometimes you can find me on twitter. Sarah jansky very good as you can follow me knocking on limiting dominantly so finally over there. Thank you so much for listening today. If you do like what you've heard then subscribe to this podcast. And don't forget to leave or review. It really helps the audience finance and helps us make the show a little bit better as well. Also if you have enjoyed listening to all of this stuff about insurance and ensure tack then why not give inside a listen as we mentioned earlier on you can find a over at eleven s dot com forward slash content. Or if you just search for ensure inside on your podcast client as a ways if you wanna join the conversation you can find his on. I think pretty much everywhere on social media at this stage and or can just email on contact stop calmness. Thank you so much for listening today. I i know we have good bye.
#065 (Rebroadcast): Digital Analytics from a Psychological Perspective with Dr. Liraz Margalit
"Welcome to the digital analytics. Power michael mode. Tim and the occasional guest discussing analytics issues of the day and periodically using explicit language. While doing so find them on the web at analytics our dot i And on twitter at analytics our and now the digital i don takes power our hate him. Hey michael do you feel the excitement building. I is that you're starting unexcited and i was. I was a little little high. Don't know we're about a month away from being back we'll be back back and there's it'll be better than ever so yeah. Only one month left a couple. More rebroadcasts will get the whole team back together. Can a hit the ground running in july with some exciting new episodes and content. So i'm pretty cited but we're here to talk about a rebroadcast that we did. This show was back in two thousand seventeen. Our guest was dr laura's marge elite with that time She was with click tale. And i think she doesn't work there anymore. She's now like a chief behavioral researcher at Mula topics topic acts or topics anyways but click tale also has since been acquired by content square. So the world changes all two thousand seventeen crystal tell doesn't even work at click tale anymore. Exactly right exactly anyway. I was going back and rea listening to this and just thinking about this episode. When i first discovered web analytics back in two thousand four and just started for google it and put my arms around what it was. I was sort of intrigued. By the idea of like a group of people. I was trying to figure out what their intention was by what they did. And the sort of the social psychological aspects or on the show. You kind of mentioned you know behavioral economics into sort of like another side of that coin. Maybe i don't know but i was always fascinated by that and so this shows really cool because we actually got to talk to a real psychologist that topic so there this one is always been really fond. One in my. I don't want. I don't remember how or where we found her but she definitely was one of the. I mean just utterly brilliant and delightful people to listen to i. I'm not sure how much we've cherry pick. Our rebroadcast episodes for people. Who are like that person was just passionate about their field and really fun to talk to but she certainly certainly was well and she knew her stuff and i i liked how practical and how fought full kind of the way. She was trying to help people think about what to do and their stuff that sort of like we know so much better today You know obviously this episode Dana conman came up and The michael lewis book. I think it just recently come out. The unknowing. Object doing undoing project. I've always. I always get that wrong. I don't know why. I always pick one of the wrong words on what untidy and then obviously thinking fast and slow by dino conmen which i'm attempting to read this year twenty twenty one and you just pick it up at every time just like mind blown one more time. I don't know how you can put my arms around this. But that's that's what was so cool as her stepping through kind of a lot of really cool concepts in ways to think about things and how to do that it pays to have maybe a psych las doctor of psychology on staff. If you're going to be a fully featured analytics department maybe yeah teaching them how to do tagging well rate them make them wish they had never accepted that job. I mean that's the beauty of the emerging no code movement. You don't have to have any technical skills to be able to do any sorry. I can't even finish it with a straight face all right any other thoughts or should we just let which is probably a head onto the old show all right well with all that said we know what you're thinking you want to get on with this show so this is episode sixty five. Have you ever stopped for a second as you hovered over that order button. Does anyone care how you feel right now. No data collection in digital is ubiquitous. For what led you to this point. How can what i know about you as a marketer helped me influence others to take the same action certainly optimization of the existing data helps drive the 'cause forward but while it may seem at this point it also remains true. The behavioral data we collect about consumers gives a strong signal about what has happened. Leaves a lot of murkiness around. Why so on this episode. We should talk about that a little bit so obviously i'm joined mako co host. Tim wilson tim. How are you feeling today. I'm feeling fantastic. Okay well let's analyze that statement just a little bit because on this episode. We're talking about the psychology of digital analytics and obviously to help us. Avoid the union slips or the freudian archetypes or whatever we've got some help dr liras elite. She is a web. Psychologists is keynote speaker and head of behavioral research at click tale in her work there she integrates cognitive and behavioral economic perspectives analyze online consumer behavior and deliver actionable insights for stakeholders. She was awarded. The online business excellence award for two thousand sixteen and her consumer behaviour research was awarded with the best of neuro marketing. Two thousand sixteen. Her research studies can be found in a top business magazines entrepreneur tech crunch and forbes and she also writes an ongoing column on the psychology today blog named behind online behavior. Welcome to the show liras. Hey thank you so much. Thank you for having me. So i think the right out of the gate. The first thing our listeners are going to want to know is what is tim's deal no know classes for the end of the episode. And oh yeah maybe that's right exactly so let's lean back. No but how did you get into this intersection of digital behaviors and psychology. And what is your work. Kind of led. What led to that point. Okay so actually. This is a very interesting kind of a funny question. Because i when i came to click to the new Looking for someone that will help them. Analyze the data because at the end of the day although this film belongs mostly to analyst and consultant we are dealing. We'd human behavior if you think about all the interactions that we have the clicks disqualifying. This is a way to express what we think. This is a way to express different thought processes. If you scroll fest or if you scrawl slow so these these are two different ways to express what you have in your mind. So then they were smart enough. Think that okay in order to really understand just answering the what in order to really understand the why behind behavior. We need to have someone. That has a clue about the y. And this is how. I get into this spot into this position. So were you. Recruited was click tale or previous. Were you with somebody convincing you that this was a space. You should happen to or was this something that you are looking at saying. No one is actually doing this or maybe kind of the neuro marketing was already there. I'm still it seems like like an area that is not talked about so often and yet somehow you landed in it. Yeah so actually to be honest with you. Don't know any other with coaches in the same position knocking israel wherein best and not abroad. And the way i could the position this is kind of a research position and my rocket clicked actually incorporates. Two different parts. So i are closely with our consultant and allies to provide answer to the question. Why why visitors behave the way they do. What motivates their behavior. I try to encourage the decision making processes conscious and unconscious because they truly believe that better understanding leads to better experience and we all know that today. today's business we are not selling products nar services at the end of the day. We are selling experiences and got a part of my work is to work closely with our innovation team data science team so we have the scientists in behavioral engineers and behavior analyst and together what right to do is to take all the to experience. The has gained over the years and two product. Is it so if you think about it. Our clients can have action behavioral insights into website. Is if they have their own qualities so this is a research position an integrated week product away to think differently about the product. So it's almost like you were. It was an economics. Is you're talking. It's it's kind of the field of behavioral economics kenna crops up where it's like. Economists used to think that everybody behaved rationally and then they came along and said oh wait. They're human beings involved so that whole field as it's exploded it is kind of that complimentary aspect of saying we wish it was that clean. We wish we could just make the button larger. And because we've done that it is more visible and therefore people will click on it more often and you're bringing i hate to say it's not the softer side is just more the human psychology side. So exactly and gotta think about it today. Today's businesses every company that respect itself. We'll have they assign answer innovation team. Whatever you like to call it. But i think the program today with all these innovations is that they rely on the data to provide them with answers and we have many many types and sources of data different sources of data. This is what we like to call big data today so we have that too late to social media likes and shares and user type of device how many clicks we have tones of data today. But i think that if you're only going to paul linear regression this is not going. You provide you the insights if you're looking for and i can give you a very simple example. So let's say that your data scientists discovered that that all man coming from us then to purchase more in the morning hours so if this is actually a what they discover if this is the finding so the recommendation will be to provide more promotions for men in the morning hours. But then if i add another piece of information to story. And i'm going to tell you that i observed the store and this is actually a brick and mortar store and i can see that man to back purchase more in the morning our because there is a friendly and very attractive serve spasm and this is the actually the confounding effect. So my recommendation will be completely defend. I will recommend you to in their friendly attractive salesperson john in the afternoon so this is why it's so important to understand the why am not only relying on the data to provide us with answers. Feel like a lot of what you're saying right now. Sounds a lot like what. I've been kind of lectured and learned over the years from the voice of customer from the foresee or opinion lab. Cata saying the same thing that that you can measure behaviorally. What people are doing. But if you're not asking them why they did it. Is it sort of a cousin to that. I think there is one major difference between the voice of customer. And i see an and research that i conduct here and i think the different is to relying on the text meaning that i don't think that asking our customers. How did they feel in a certain direction. I don. i don't believe in this idea and explain why so i. We know that it's not scalable. So you can ask each and every one of your customers but let the live. This reason aside dury's more fundamental reasons and one is the. There is a big gap between what people will say and you'll motivators behind people behavior. It's not that they liked to. Of course they don't y- that we just don't know don't have clutter so many factors that influence our behavior for example. We know that we are affected by environmental cues and by our emotions about if you had a bad day will think differently about. The seasons does not relate to the reason that you had a bad day for example and of course we have cognitive biases and we know that if we see an older guy will think differently than we see a younger died. We've certain caller you see red when think. Defendant if we see blue-collar sodas so many factors influence our behavior and people are not aware of these factors so i don't think we know that people are not aware for the reason in the motivators behind their behaviors. So i don't like asking people for their motivators like to just observe their behavior. I think observing their behavior can give us the perfect answer and there is one more reason and that is that recently. Many studies that were conducted on this area found that most over day to day interactions raised almost entirely on nine rebel signals on non verbal. Cue it's not about what you say it's about the way say it's your digital. It's about your body language or facial expression the does that we have from one another. So let me give you an example quick example so i ask you guys if you like to have dinner with me today tonight and of course you'll see is because you are being polite but from the way you say i can infer to actually mean that you don't like to have dinner with me so it's not about what people say it's about how say so what i discovered in my studies of the on interrupting. Is that the same way that in face to face interaction we have nonverbal signals. We have those nonverbal cues in the digital arena. And i think that if will be smart enough you'll be able to capture those signals. So i mentioned this squall fast or if squall slow so this make difference and if we're going to nail these differences what they like to call digital body language. Then you'll be able to understand his mindset and how he actually feels without having them so it is still it. Is it's behavioral but looking at the hero with more of a nuance from is that of. They did click. But how quickly did they click. Or how quickly did they scroll or but was the mouse hovering still. It's still inherently imperfect. Get in a perfect world. You're you're getting it's so funny. That one of the seat the guy the founding technology guy. I'm blanking steve. Something at ella. I think he wrote a book called digital body language but In his that world was trying to say we need to go beyond. I'm trying to think what his he was talking about. Lead scoring and bbc. So i think it was still much more mechanical of the specific actions whereas you are really saying you want to be able to look at. What can you do without looking at. Somebody's hands and face and expression but their behavior with more subtlety. And you're still trying to look at it kind of in in mass or aggregate segmenting. Yes but you're you're still. You're still trying to use a proxy. For what would in a perfect world you'd watch everybody in a literally observe you'd be tracking their face and every aspect of their body. Is that right. It's still into interface in the face to face interaction. we have a special for in our brain. That whole is do all its functionality is to infer what other people feeling ask what other people about other people's emotion actually so this is what part of the brain amp to do and by the way just an fyi. We noted today with all the screen time that kids are exposed to their problem for kids in the rations to actually detect facial expression because in order to develop these parts of the brain. We need to be exposed to Face to face interaction. So what i'm saying that. This is really major part of the way we understand people and we think about what we say but the most important part is how we say so i just say okay so you drive to develop jet bots and you tried to develop a but you don't capture one important thing that the mindset of visitors so that's imagine that you are going to develop a board that will guide you in at our website so you want to buy a flowers to the funeral. And then he's he wishes you fantastic day so i think that this is something that is very wrong about how he tried to develop chat bots. We try to base all understanding or knowledge on the text on how people and on what people say and we should actually emphasize how they're saying it. And i can tell you that. Only with this type of information we of nato how people interact with each other i can infer a lot about their actual mindset so i can automatically detect in then after a few seconds there. They lend underpaid though. I think that's really good and actually one concepts lara's you put into some of your writing is kind of this idea of a conversion cycle versus version point and so how do you suggest that marketers kinda start to configure or build that kinda concept into how they do measurement so fast we need to realize is that could variant is not an action. It is not something measures. So i have to tell you that when i was. Let's tweak in usally had different round tables and there is one question that they started with. And this is what is your average conversion rate and we know that typically for most clients and i'm not only talking about retailers. We're talking about between three to ten percent. And when i'm talking about conversion conversion is defined as a prospect of completed the all process from beginning to end would ever dispose maybe doesn't have to be transaction. You can define conversion however you wish to finding so then i had with and so if you ever conversion rate is about three percent what about the either ninety seven percent can we actually say something about their experience. What a negative or a positive. Can you actually unfair from this piece of data that ninety seven percent of the visit us the didn't convert had negative experience. Now of car snowed in the discussion about conversion is always yes and no black and white converted convert and a think that we have been differently about conversion. And here's why. Let me share a personal story. So my has been wanted to buy me a gift for seven years in adversary. So he entered these really fencing delivery websites and he sees there this amazing what but the watch was extremely expensive so he decided to wait until i come back home. And in the meantime he left the website now. The evening i came back home and we both entered the website together. And i so these washed. It was truly an amazing. What but then. I told him. Listen tomorrow we're going to take the day off anyway to celebrate our anniversary. So why don't we go through this together to the mall and purchase the watch there so he agreed of course because he has and the next day we went to them all and reports the what so. If you take a lot of what do we have here. We have to perfectly successful interactions but if we are to measure those interactions using the all classic conversion rate we will analyze or classify. Those interactions is negative only because the visitors didn't convert online. So we know that sometimes to execute duration for the visit to convert and sometimes vivid journey on the website in complete his journey or history direction on a begin. Marva stor so we really have to start thinking about convergence of and not about conversion rate and in your work. Are you working with people to actually break that down because obviously to the concept i think is really great. The technology is a little bit problematic still in terms of actually allowing that kind of measurement that happen. Is that some of the stuff that you're working with or doing today through exactly. This is what. I'm working on right now because you know what's the problem. The problem is that we always talk about experiences. Think about it. We talk about user experience in customer experience and we already defined the euro experiences. But i did you ever stop to think what is an experience. What is the definition of an experience so in order to actually measure in evaluate experience. We have to think about the definition of an experience and we know that the formal definition often experienced from a psychological perspective is the direction we established it. Anisimov lose that is influenced by personal interpretation. So it's not about the visit to our customer and it's not about the layout design it's about happens in the interaction between the two. It's about what the person brings to the situation with him. He's personal background. You set of expectation. He's mindset is that way and that's why do people can interact with the same steamrolls and they can have two completely different stories to tell about their experiences. So for example do people can go to the exact same party and for one person. He can described experiences fun and enjoyable. And for the i'd apprentice on the womb was to smoke it too. Noisy didn't like the people are the food was bed so people can interact with the exact same steamrolls. They can have two completely different stories to tell about dirks and the same goes for the online experience for the online interaction through people can interact with the exact same side and they can have two completely different stories to tell so. This is one aspect that we need to measure and there is a mattress bec- that is even more important and that is the one single experienced is made up of many many smart of experiences so take a visit to disneyland for example so we can go to. Disneyland began going around coster we can spend online. We can shake hands with mickey mouse. We can visit the disney store. Experienced is made up of many many smaller experiences and we cannot possibly remember all the experiences. Because we don't have enough capacity in a brain. Think about anything. Juan day even in one hour we have so many experiences so there was an evolutionary mechanism that was developed that is functionalities to compress the all experience to one general feeling of how he felt about the experience. So after a while if you are to be asked about your experiences you're going to say we have nice. Experience had a wonderful. You're not going to remember it. All so what i'm doing now in my work is to find a way to differentiate the different experiences so i discovered every page trigger defend type of experience for different types people so as i mentioned previously if i if i'm able to automatically detect the vetoes in pen so i can also understand if they interruption was positive or was it meditative and i am able to come up with an inexperienced. Kerr can measure how visitors felt about experience but even more important. It doesn't matter what happened in every single moment. What matters is the remembered value. What matters is what you're to member from my experience. And there is an example that they really like to use the conman. He's an israeli. Americans psychologists and you want stalled this example. He was telling about a man listening to a symphony and he really enjoyed himself and he has been listening to the symphony for twenty minutes and at the end of the symphony the was an awful scratching sound and this man described this as it. Roy is whole but he had had experienced and still. It doesn't matter what matters is what left what carry over after the experience already ended so we need to take all these pieces of information all this notice that we have to the interaction with the website so back to earlier. It does seem like. That's the sort of thing that you would want to say towards the end of the experience. I totally get that. If you ask people what's your likelihood to what's your purchase intent asking them to predict what they're doing in the future is maybe or might do in the future would be unreliable but would it still be unreliable to say. How was your experience to day to get that sort of level to be able to then go back and segment that other data that you have to try to figure out what what looked like what was the equivalent of that scratching sound for this group that reported they didn't have a good experience and i guess that's still doesn't factor in one. They were coming or what their emotional state was when they when they arrived or is is that not it still seems so tough to get to that good or bad experience based on just observed behavioral data. I'm still struggling there. Yeah i can see what you say so. My answer has two parts so fast. I don't think that we can actually ask people how you felt this. Because now this evolutionary mechanism the remembering south takes time to remembering so to figure out and to consolidate the memory. So it's useless to people so this is one part it's useless. Ask them right in the moment but in theory if you could ask them two days or a week later how was that experience. I mean i definitely recognized that myself. We had a vacation. What we're saying the day we get back may be directly where we wind up. But it's really six months later you know. How was that trip. Or how was that experience is. That's that's where you're saying that evolutionary mechanisms consolidated it inc rate is part of it yet because we have to defend south we have the experiencing south and we have to remember itself and the experiencing self is part of the brain. That can answer the question. How do you feel right now. Are you happy right now. And there is the remembering so it can answer the question. How you live or satisfied with rife is part of the brain that keeps scores in documents. The story over life as you said. And i cut you off. There was a second the second more important point that i interrupted their more important blinded a now that it sounds very difficult. But let me describe you something. So let's say that you see someone is calling up and down. You can see many direction changes and you can see a very few stops so you can actually understand. There is a visit to her. For example that highly motivated to find something but he just finding so this is one of the mindset one of the behavioral patterns that they called disorientation or the confusion and in order to validate a. I took this recording session. Replay because i wrecked mouse move of the visitors or the in touch enabled device this four and then i take these recording and i asked different. People tabbies recording to tell me what they think and then not a qualities that just regular people are regular students and it turns out that different people. And we're talking about hundreds of people will have the same interpretation of this specific regarding so this means that we can actually be different algorithm that will capture dame tenth of the visitors. This is exactly what we did so We observed many many visitors interactions across different industries across different verticals different devices. And we find out that there are five. You have a patterns that repeat themselves over and over again and that we figure does behavioral patterns. Those are to use his way to communicate during intent with us. This is what we like to call the digital body language over visitors and then we have developed five different algorithms five different models for each pattern and in order to validate those morville. We do these algorithms. We read on thousands of entirely you. Interactions and deadly founded weekend automatically and stan and discovered visitors intent in an accuracy level. Eighty five percent so this is possible. That's okay that's cool. That's where you were starting was if it's kinda like cinnamon analysis when one of the ways they'll test that is say let me give you know one hundred one hundred people read this tweet and see how many of them agree that. This tweet is negative or positive. And then if you can you match that up to the machine sentiment analysis and say look if this many humans just like i guess it's the same as if you show them just static pictures of people's faces and say is this person angry sad and then if you can get to where the machine is smart enough what is it it is. I'm it started the pipe bulbs starting to come on for me that it's a much more nuanced version i'm is you're talking about scrolling. How often we get the request to say l. Can we measure scroll depth. But it's literally checkmark of where we're going to capture and google analytics or adobe analytics that what percentage of the users got to the eighty percent spot on the page. The problem is what that's totally missing. Did they get there. Because they couldn't find anything and they're they're scrolling a date. They scrolled back up because they got gotten the scroll to the bottom and they weren't fighting what they look for in and they scroll back up and somebody got there because they were totally engaged in they were like. This is awesome and amazing. Exactly what i'm looking for. Somebody else hit that same micro conversion because they couldn't find what they're looking for at all and they wound up being incredibly annoyed. And if i was just watching those two people who both hit that little hit that little threshold. I'd say. oh yeah clearly. This person is annoyed. And it's a mess and this other person looks like they are like totally deliberately scrolling down and consuming the content. Exactly this is exactly my point. And you know i really happy that you said it because there is a tendency of analysts today to analyze behavour relation meaning that they try to correlate different metrics we'd conversion just to give you an example they can say higher click through rate in a certain area correlates highly or netted positively or negatively we'd conversion and. I think that this is wrong. Attitude around approach to to analyze interaction because behavior and not be analyzed in in isolation as we say we need to add attribute and we need to add the following action and quick example. Let's imagine that we're browsing in amazon in our smartphone and then we detect scrawled photoed by in at a school or the same the exact same score followed by a clip. So in the fast example the visit or just kept on squally because there was no interest in the content but in the second example the wasn't interest because the visitors fall he clicked on something. So it's all about analyzing the hall behavior. The behavior as a whole on not defend not relying on different metrics because metrics are not behavior human behavioral cognitive processes a much more complicated than to be analyzed in metrics. One question i had was to. What extent need to be aspects of that individual's behavior that is known about that person. So things like who they are you know because so much of digital as anonymous do we need understand like things like is it a man. Is that a woman is at someone who is wealthy. Someone who is uneducated. Are those attributes things that are necessary for us to make appropriate conclusions about someone's motivations at that point in time though. I like to differentiate between demographics that were found to have very little correlation to conversion and between personality traits so what we talked about earth the mindset visitor is oriented defeat the browser these are mindset. These are a state of mind that can change from our our but there are neither are there is another factor. That is expecting burden here. This is the personality traits. So actually i developed a model for his asia and is called the online behavior model. Anything integrates between really defend elements between the context of the decision was made in the digital platform is the type of visitor. The type of website type of industry and there is the mindset if his goal oriented if he just came to browse and there is the personality traits and there were two personality traits to found to greatly affect visitors purchase decision making and these personality traits are democracy miser versus the satisfies her when i'm talking about maximizing for example if a visitor has a list of options so the maximize will go through search through all the least one option one by one and coast and conducted coast beneficial relation. And he couldn't decide until searching for all the different options in after an even after his going to decide in we. Steel never satisfied with his decision and he keeps thinking maybe there is another option better for somewhere and if you think about it you can actually detect these sporadic it rates if you detect visitors interaction and there is the satisfies her and dissatisfied. If the person. I'd have to call the good enough. Because if he has these folk xi'an he's going to the first option quick area and he's linked to three good about this option and about himself and these are the people in general that heavily leave their life without being battered about the fact that there is made the might be a better option for them. Somewhere there's not the third option that is the seven year anniversary trying to get my wife something appropriate watch. that's not a third. that's not a third type so so just a this. This all makes a a ton of sense from a coloring and informing. I'm just trying to think through what the what the pure the pure data scientist or the somebody focused on kind of reinforcement. Learning could say. And i don't know what the responses you know. All that stuff doesn't matter if we've got the machine pointed at just the behavior and we can figure out there's reinforcement learning or deep learning or something going on where we're swap and stuff out just to seeing to figure out what works better than it doesn't really matter why a part of it feels like well. You may not get to that point like it would be way more helpful to actually have an understanding of the to kind of guide that that learning because what you're talking about does have very much a heavy analytical component when you talk about these these five models and we were able to to build the machine to kind of recognize and identify these patterns. That was informed. Starting from everything we've been talking about at just wonder. Will there be listeners. Or other people in the industry who would say you know what all that all that doesn't matter just keep changing stuff and figure out what works and we don't need to know about why like i feel like i've heard those cases may not necessarily as a counter and is that horribly flawed. In some way that you can put your put your finger on. Yes so. I i use it a lot actually and i think that today if you are going to focus on personalization for example and about what about the data science development in this specific area because this is the holy grain how to personalize the experience and in order to change in order to actually that different type of experiences. Two different type of visitors right so today we have two main approaches purpose entities. Ation that is than those different approaches and even on data so day approaches are using user approach and then itemize him for so very quickly. When we're talking the user user approach this don drives to find seaweed. Artie based on visitors preferences. I ordered the movie dirty dancing and the movie picking woman and is another user that order the exact same movies so if the next movie i'm going to always is going to be ghost. This algorithm is going to offer the movie. Also the other visitor twice to understand the visitors preferences and there is another approach that i can. I can reproach so these algorithm tries to find similarities in different product ristic. So if i ordered a metal and an rn so decelerating thinks of okay and they're pretty much in the same prize vote tasty and they're both seem the served so the next item to offer her is going to be an orange for example so those are practically successful so they were able to make some changes in the conversion rate back the change is very very limited and the problem of these algorithms is the. They are based on a wrong assumption. And this is that our best scripture says our pets behavior can predict future behavior and cordis. I can safely shoe. The assumption is wrong because in order to really understand and predict visitors behavior there are different elements that we have to take into consideration and one very important element is the context of which the decision was made so for example. I'm not going to behave in a party. The same way to behave in my workplace different context equal different behaviors in another thing is the visitors. Mindset that we already discussed so that's why if you are not going to ignore it. All this ecology defectors going to make some changes in the conversion but only to a certain point. So you'll be you'll be optimizing within a an unfortunately narrow and possibly slightly faud you may get to say. Oh we've reached optimal because we've watched the are whatever this thing is get better better slowdown get better. Now we've achieved the state and now we're gonna we kind of sounds like you're the risk. Is that you wind up. Perceiving your your maximum success of the experience you're delivering being a lower lower point than it could be if you factored in the got it. Okay so this is really good. One of the things you love to try to do is try to bring it back to. Where can people do some things tactically. How do they get started down this path. The one of the first few things. You'd recommend that they start to try to do to kind of move toward a model. That's kind of more encompassing of thinking about the person's experience as opposed to the the point of conversion still. i. I would suggest to you analyst. Start thinking like a psychologist and doubt everything. Meaning that very quickly. We found out that people usually and you started with this team. People are not rational you and being are not cross from al so we need to understand what type of factors involved in their decision making processes and we know that if you're talking about purchase or purchase decision making a purchase decision making are found to be based on emotions. It's how the product make you feel and not if you really need so. There is to level mechanism so the first thing is that your limbic system besides that it wants these specific product and second thing is that there is rationale mechanism. They'd start making excuses. Why we actually need to purchase this product and two different so when we optimized experience think about how people to feel about a product how people are going to feel about delay layout of about the design and then going to actually write to feed her the way their decision making process works we. Dan need to provide them ways to rationalize their decisions idea so we need to have emotional content in rational content and we have to keep thinking like psychologists asking the why behind the behavior and not settle for only the wet so on that front. Is there a variation of how much the degree that the emotional and feeling side comes in. When comparing types of industry you know i could see you know buying a luxury watch or apparel or a retail consumer stuff all the way to maybe a very considered purchase b. to be mechanical. Is you are. There are there cases where there is much less potential. I'm thinking about some past companies. i've worked for as well as some current clients where it is a much more anita product to fulfill a need and does is there a level where that plays in less i could see. There's no place that that the experience and the mindset and the emotion and the feelings don't matter at all but does it vary in degrees as the how much based on the industry and the type of product and the target customer. Close when we're talking about insurance or financial product of course we are applying for rationale qualitative process. But we have to understand that there are different types of products and there are nice to have products and their functional products. So when i'm talking about nice to have products for example. If i have closed dresses i don't really need and i address our purchasing because of it makes me feel when i picture myself wearing it but what. I'm talking about functional products. We purchased them only because of the function. They make us feel anything. Like like barb or usb different type of connections so we really have to understand the type of products we try to cater and another thing. Is that if we really understand that. We have different types of people. We really have to stop us. That the concept best practices. Because if we think about it what are best practices. That's practices actually means. The dairy is a common denominator that can be applied to different types of people. But we try to actually think differently about people and personalization actually the realization that we have different types of people's we need to provide different types of experiences. So if we actually agree on this. I think we all can agree on what is perceived as asian. And why we need to be in that place. We really have to stop use. The term best practices and we have to understand the type of for audience and for different type of audience. We like to provide Different types of experiences and another thing is the different types of people really fair in how they create different type of product. So for example for me i can think of computers as a functional product. And you can think of of something to wear as a function on product to really need to understand how different visitors interact with different products. That's really good. I liked that statement about best practices as well. It's all too often. People tend to try to shoot down the middle. They leave a lot of good things out but one of the best practices that we have here on. The show is to go around and do a last call where we talk about things that we found in the last couple of weeks that we think are interesting. This has been really great conversation. Dr margot and thank you so much for that but Why don't we kick off less calls. Do you have a last call that you wanna share. Sure they'll actually if there is one book that they really enjoyed. And i think that can be really rare to all the people that actually to under to better understand the ecology and the decision making process is how we decide by junior and i highly recommend the book and i think the will much different negative things that people actually said about this book that there are some inaccuracies there but i think in general if you read this book certainly it can change your perspective about how we make decisions. That's general area. Who had a little bit of a threat that you're saying it's good content. Even though i mean he got kind of in all sorts of hot water based on his poor behavior from a journalist perspective right. I know but you know how people to like. The dinner is the book because you agree. What he did was very by. You can find very good content. there. I don't think that got if it's good content. I actually remember hearing hearing him reading him. Something kind of his. He reflected on what had what had happened. Because i think he wound up being tough. He was young taveres industry kind of or his career kennedy trashed. But how we decided almost was going to ask. Is there a good book. Somebody could read. Because all i could think about is like the predictably irrational which is more the behavioral economics side of it. The how we decide. Sounds like an awesome awesome way to kind of think a little bit different about this this whole area right and also thinking fast and slow by kong. Oh yeah that's on my list which actually brings up my last call. Which is a book. I just finished recently called the undoing projects by michael lewis which actually talks a lot about the life of mr. vergerski and daniel And their work also couple of israeli psychologist so it there. That book is really interesting because obviously walks through a lot of what they came up with but it also goes into a lot of depth about their relationship and collaboration over the years which is really profound so anyways really enjoyable book somewhat tangential to what we just discussed but still very interesting. And so if you're interested in that they they that is definitely a great book to read. Because they i mean basically the founding fathers of behavioral economics in the work that they did in the seventies around sort of proving that we are not rational are in decision making so anyways really good stuff anyways. Tim what about you. They were very very different personalities. Right l. work. Yeah very very different from each other. Oh my god. I really need to finish my my last reading assignment so i can move onto this other stuff. I know right now. So just in case People are saying no. I don't wanna. I don't wanna read six books. I'd rather take a. I'd rather take a course my last call which is a little ironic or is came across opposed on medium. This called every single machine learning course on the internet ranked by reviews and it just kind of. It's a long post that it's is. I've sort of keep thinking. I need to sorta it just understand what this whole machine. Learning world is kind of nice because it actually has a pretty good little. Write up of you know what are. What's the approach this coming at it from. Oh this is this covers. Analytics and machine learning. Of course i'm mike. Ask don't fully understand the difference between the two They've been talked about. Tools are used in the course. Oh i'm not claiming that. I am going to sign up and take one of those especially now that i have four books that i need to read. That are not down that path but It's a good post for people who are maybe looking to dive into some open course ware on that that topic. No that's great and thank you for that and again. This is a really interesting conversation because so much of what we do and digital analytics. We often described as art and science. But actually there's science to apply to the what we would call sometimes the art. She's knowing who the customer is and applying good thinking to them. So thank you very much. Dr marguerite it's been a pleasure having you on the show as you've been listening to the show today and if you've heard things that you are interested in learning more about or would like to ask questions please don't hesitate to get to us on our facebook page or twitter account or on the measure slack and we would love to hear from. You would love to gather your questions. And i'm sure lleras you probably would love to hear from folks to if they have questions about any events so i don't know if you're on the measure slack at all but we highly recommend it. It's a place to understand the psychology of analysts. But anyway it's heavy on thank you very much. Thank you for having me. I really enjoyed the conversation. Thank you for my co host. Tim wilson remember keep analyze. Thanks for listening and don't forget to join the conversation on twitter or in the measure. Slag we welcome your comments and questions visit us on the web at analytics. our dot. Io on twitter at analytics our.
11/27/19 Episode 32 Solving Your Divorce Puzzle With Forensic Accounting: Part 2 With Irina Anissimova, CPA, CFF
"Welcome to the women and Welt podcast with Esther Szabo. Esther is is a respected leader in the field of personal financial advice with over twenty five years of experience after going through her own significant and challenging life changing changing events she overcame fear and self doubt to launch her own successful advisory firm. Now Esther is ready to share her practical and personal smell experiences to help other women clear. There hurdles and brave lives transitions in this way. She inspires women to lead fulfilling and confident. sident lives hello. Welcome to women and wealth with Esther Szabo from Gates Pass Advisors. Good Morning. Good Morning Eric. I am doing great great today. I'm so excited that we have another opportunity to hear from Irena. We had a great time the last time. And I'm just looking forward to more. Yes it and this is part two and I would say that just in my opinion I learned a ton in part one. And if you're listening to this the very first time is your first podcast stop up go back and listen to part one because that was a wonderful podcast you're going to get to know arena really really well and The basically the foundation for everything. They're gonNA talking about today so that mind I'm just going on over to you okay. And we're speaking today again. This is number. Two with Irena Anisimov. She is a CPA. She's a two certified in financial forensics and she is also accredited and business valuation relation and those are complexities but they apply very specifically to those who are considering and moving through the process us of divorce and today again. I'll agree with Eric. I recommend going back to the first one because we talk a lot more about laying the foundation when one is considering during divorce arena Weena. Excuse me how are you doing today. I'm doing very fine. Thank you very much. Hester good to see you again. So today we're going going to talk more. About helping. How a forensic accountant such as yourself helps determine spousal and child support? So let's kick it off with you spoke of it in the first podcast. But this issue of variable compensation and how your services services in your expert work helps individuals determined spousal and child support well My primary role in in this is determining the income that is available for child and spousal support. This is not always a simple. Oh tough because when you have what we call variable compensation that means that there is obeys celery that someone on one is getting on a monthly basis by seldom dollars per month. Ten seldom dollars per month. That will be paid every month at a certain date Variable compensation comes on top of it when we're talking about variable compensation it's usually bonuses Commissions and different awards bonuses and the words are usually once or twice a year but to commission is something that you can imagine varies aloft. You can get a little bit one month a lot the next month and maybe ebbing nothing in the second in the third month and fourth month and then again a lot in the fifth. So how do you handle this situation. Because Charleston import in spousal support is paid on a monthly basis The reason way to handle the variable compensation of course because usually There are court cases that addressed the issue and usually the tables that one can use to deal with variable compensation part but but the difficulty here is to determine what should be used to calculate child and spousal support and were the variable. Compensation is were the base. Compensation is and maybe the results of equity compensation which presents a different kind of difficulty because equity compensation although stock options that are so popular novel Valley or this restricted stock Equity Compensation Is Part of the W. Two income because once a restricted stock doc vests the amount goes on the W. Two income as part of regular compensation. But what there are shares of the company. So it's not the money that gets into the pocket of the employees. It's the stock that gets deposited into a brokerage account and that's talk may be later sold or not sold and Becomes part of property division. So we have something hybrid like it's like a mermaid like a mermaid. Yes not really a person and not really fish so how do you. How do you deal with that? The row of course ways and means to Calculate income available for support when an equity compensation is involved and to calculate elite. All of the difficult is All the difficult parts of property division related to that and I will not go into details but this is part of my work because this is not something obvious. This is not that you can just take the number and divide by two right and then how do you know if somebody somebody is when you're talking about Commissions for example. How does one determine if one is in the process or will be receiving receiving a commission three months from now six months from now? But it's not in front of any data that you have a W. Two I mean through a pay stub well The commission is reflected on a pay stub as a commission and In some situations I need to read actually The agreements agreements that govern the calculation of the commission and other things one other part of that is tricky is has deferred compensation arrangements. And I'm not talking about for a one K. 401k easy but there are other deferred compensation compensated Arrangements were they. Mount can be deferred for example for three to five years. It has just put into kind of a sub account and then it is paid later. So this Kind of compensation arrangement is another complication to figure out what is available for child and spousal support now and what it isn't and that sub account can become part of the property division as well. So that's where you need an expert. That's where you need a person who can Dan Look at all the details Read all the necessary documents and actually knows documents to request and so ooh and I think in the two thoughts one is. This is one of the things that you were speaking of in the first podcast about why it is important. Horton to have an expert rather than south represent. Representation is because you are neutral party in this. You're not representing one side or the other and if someone chooses to represent just themselves. There is a challenge. Should it go into a court. The preceding will yes. Although I'm being hired usually by one party my goal is to provide this party I am. This party's attorney with a clear. Understanding of what the financial situation is a what options the Party House ause and lead they turney arguable. The legal implications This is one important part Dan. Once I'm put on the witness stand. I can testify to what procedures are used an. I'm not a someone. The judge edge s seen in custody fight. I haven't lost my credibility was the judge and I m perceived as a more neutral party party and I think also I would imagine that your background as CPA. You now have the twenty years of accounting experience that that also helps in your research and your wariness of the documents that you're looking at and things like deferred COMP executive com restricted stock units stock options. It's all of those have different tax implications as well as an implementations can keep that in the podcast implications as well and so your background and experience really helps give you an awareness of what it is. You're looking at and looking for yes and it especially comes into play when I am dealing with income for support available from a business because once you have business involved once you have a family business that is or has has been providing income for the family for a number of years you cannot help but you have to hire an expert team. Need an accountant who we'll be able to go into the details of the counting for the business operations and you're also that's your AB accreditation tation. You're accredited in business valuation. So let's shift gears a little bit and talk about those households where there is a business that's providing providing the income. Well the business complicates thinks. It complicates things magnificently. Surely when the business business provides all income that the family used during marriage. It's not unusual. A A win for example one Partner in the marriage is professional and the journey is p a doctor at dentist test. Earning a lot of money split the business and that's that's basically all incumbent. The party that the parties get cheering marriage. So the difficult to here is this first of all what income is available for support in second is what value does business have because if The business will start at during marriage and grew during marriage. A this is a community us but this is not a simple kind of asset. Like a house right where you can look at Zillow and see the rise in market value or at least what they consider market value. The business is a living organism organism. It's an entity that has its own Its own particular ways or running a and growing I do business valuations for divorce purposes. Only and Mostly I deal with a professional practices and small businesses. Meaning the are owned by The parties were for example. Someone owns Connecticut Practice Or something else blake the body shop. Maybe explore what. It is a difficult here in what requires an expert. Here is the tax reporting for the business income does not always four. I would rather say most or hardly ever right well depends on the owner of the business of course born in any event. The tax return doesn't really reflect The money that comes into the family it used to come into the family from the business and that doesn't mean that there's something illicit going on. It's just the structure of how the return is done. And how things are reported boarded know there may be nothing illicit at all but for example If the business is an ASS corporation Jim Business doesn't have to be doesn't necessarily have to be very profitable to provide good cash flow to the owner because is there can be distributions which are not necessarily currently your income and the the first thing that comes to mind is They just moments for the influence of tax laws on the reporting of business operations. And I'm talking here about amortization depreciation so those are heavy words Tell us a little bit more when you're looking at things like amortization depreciation she ation those things that show up in business tax returns how does that fallout in terms of spousal and child support determination. Well will imagine a situation where the business has a taxable loss and you look at the business tax return the income is negative the bottom lioness d-minus. It's on the first page. Do you take this as the fine. The there is no income to support. The children know. You'll go looking into details and you realized that this business deducted a huge amount in depreciation or amortization that when it chested for the real economic depreciation nation or real Cashflow suddenly makes the business profitable instead of non-profitable. So you're basically saying there's things that one can legitimately do in accounting that can make the tax implication more beneficial to the Owner of the business but that it may look like something like a loss but actually there's good cash flow. There's good ways to provide for support art. Where at first glance it may look like? Oh my gosh. I'm looking at the tax return and we're operating at a loss. We'll actually if you dig a little bit deeper. It's not what it might first appear of course and An example of this perfectly legitimate tax deduction that can convert a business income into new business. Loss is seventy nine Depreciation deduction it is allowed on new equipment purchased in this tax year. And you can expense the cost of this equipment so in one year and so that's like buying new things like new computers new. Oh think about something more expensive okay. Computer building Not a building actually can't do that in one year. Okay you cannot to you. Let's assume we're talking about Professional practice and ophthalmology practice in they just replaced their equipment. You know all those fancy machines ellen. Look into when you Get your prescription glasses. That's right you look in and there's a balloon and and those machines they are expensive and when they are bought. They're not replaced every year. They may lost seven ten years. And that's why the cost essentially as to The money for the purchase has to be accumulated over a number of years and this is a legitimate business deduction the allowance for the replacement of Assets which is another name for depreciation but the tax depreciation they can expense the cost of these expensive machines all in one year so instead of deduction save for fifteen thousand. They take a deduction for two hundred fifty solemn. And here you have a loss by Another example is the motivation for Intangible assets intangible assets stem to beat song costs that were paid in the beginning when the business started the business may have been purchased and The owner paid something The owner paid a purchase prize. Is that exceeded the value of the intangible assets again. Let's talk about this. After Molla. Just who purchased the practice. There was stomach weapon there but he paid much more than this equipment would have cost him. Had He bought it in An auction or as used services of equipment so then difference is cold goodwill and it is paid for the goodwill accumulated by the practice location. The the assembled workforce and everything else the client base. That's coming in that's coming in but it's a substantial amount of money that was paid maybe five. Six years ago the money a tax code allows amortization of such things and It usually allows for fifteen years so for fifteen years. The doctor who purchased the practice will be writing off amortization motivation and deducting it from his eerily income but the money was paid longtime ago. So it's not a deduction induction that reduces actual cash flow from the business bright. And we're talking about child and spousal support today so it is looking at all of these things that young going to bring us back full circle to where we started that. It's one of the things if whether somebody has been served with a petition for divorce or if one is gosh you know so many times it happens so I'm just going to use this as an example were one discovers that one spouse hasn't been faithful and that's such a shocking thing to find out and they're contemplating divorce can you. We talked about this in the first podcast. Let's come back to that in terms of what should a woman do in either situation. Well I think a woman needs to do is to get a consultation from an attorney even if she was served with a petition. It doesn't mean necessarily that she needs to sign it right away and file it the response to the petition. doesn't need to be signed immediately on the same day so the first thing that the woman should do would be to go to an attorney and get a consultation and I know so so much as a and I think it does happen more with women than with men is that we feel like we have to do something something has been put in front of us and we have to respond onto that thing whereas what you're saying is very difficult to receive allowing oneself to get information an and not feel compelled to respond immediately that is correct And it is even more important in a situation when Dan A woman discovers that her husband is cheating while he doesn't really know that the this truth is already out. There is absolutely no need to confront both situations with an immediate action the consultation with attorney and then if the woman doesn't really have a much knowledge about the financial situation of the family. Emily then she needs to think about how to get this knowledge because of course She may not be the one who who filed the tax returns that has been may have been responsible for that but she is a party on a joint return she can cold colder. Irs and ask the IRS to send copies of the tax returns. She may not want to receive those copies of the House House. But it's easy to rent a Po box another thing if she thinks or discovers after looking at the tax tax returns that the res Managed Account to manage financial account like a brokerage account or an investment account of course then when she can contact the brokerage and find out who is the financial advisor on the account and discussed the situation with this person because she will need all those documents who later on. When you say discuss the situation it can be as simple as Oh? I just need to see a statement. Ain't meant of our recent activity. Can you said that to me. That's what you mean right. They don't have to disclose. I've just discovered something. No it just getting the information absolutely known and I would caution off Disclosing the you're considering divorce to anyone except upped your attorney and immediate family member who you need for support by the way. Do not listen to family members advice these are they are the worst sources of Advice Iverson. What types of things have have been suggested that you kind of makes you shiver well for example example? Kick him out of the home and changed the long Well yes you may want to kick him out of the home. That's an legitimate desire her. But that's your community property and before doing that and changing the lock. You think how you're going to pay for it because because once who kick him out he's probably not going to pay the mortgage and two litters and all the rest of everything else that goes in the property taxes they insurance and that's such a challenging thing here in this area as I as well as in many areas around the country where one can't simply just start to households. It's housing is Berry very expensive. Yes and of course you need to consider where the children will go to school and so on so if you are in a situation and That requires all these considerations will keep the information to yourself for a while until you figure out what he wants to do you. I want to do it and then proceed with caution now a few weeks ago we had on Can Spark she's a certified divorce financial chill analyst a C. D. F. A.. And can you talk a little bit. About what your approaches in your professional capacity versus hers I as a CD. Fa of course I had a very interesting discussion with Kern Some time ago and we kind of compared notes and We determined that she usually gets involved in the divorce process on an earlier or later stage each. She usually works with couples right in the beginning when they are trying to figure out how they're going to leave they're going to divide their assets and They are discovering. Would they have. What kind of attitudes they have with towards the property division process? She can be More imprecise than I can be. She can and do the work with the result. That would be an estimate not something that she would be able to defend in court for example We sometimes do the analysis of community interest in a property that according to the title belongs to one on party for me. It's enormous work because lots of times. I just cannot find enough documents to calculate this community interest precisely enough to be defendable in court. This is not an obstacle for CD. Fe they they will provide an estimate to the couple because the couple is at the early stage of their divorce process and they needed to negotiate settlement I come around the Middle Win Attempts at resolving the divorce amicably and with mediation Fail and parties proceed to litigation. That's where I start working and occasionally originally I involved CD phase in The final process where the parties are dividing their assets and the raise. A question of what to do with those assets. How can we go on living our lives after we are divorced and In this situations I occasionally call CDs and ask them to help the clients to figure out what they want out of the divorce resettlement and how they want to proceed Quite recently I had a situation where the CD helped us to settle. Title very contentious case where the parents of the parties were about to litigate to the hilt and then someone said stop. They don't have the assets to go on the indulging in litigation. You need actually to look around and see what you can do the to remain in this area. You have three year old child union to figure out how you can find enough money in the property. Division Vision Two along the other spouse both spouses to have policies in this area Very good good. I I really appreciate that. That You there's ways that the different professionals work with others and their skills and services can overlap lab and we all connect with each other in our communities and I am so grateful and appreciative that you have spent this time here or two sessions arena and I trust that the audience can understand why two sessions were needed. So thank you so much thank you. The pleasure was all mine. I know that there's so much more that we could talk about. If somebody needs to reach you Irena. Would you recommend that they do so. I would suggest starting from my website where I have information about different types of work I do and I hope fairly a clear explanations would these types of work involve the website is www divorce succumbed dot U. S.? Put it. It's easy to remember very good. Well thank you again Irena. Thank you to everyone. Everyone listening today. I in a way I help especially because I'm newly married. It's kind of a ironic topic. But I really hope that our intent what these podcasts is really to give access to resources that can really support somebody and making good decisions for themselves their families and for their future. Thank thank you so much again. Thank you guys both so very much. This was very educational and it definitely could have had a third podcast. Probably a fourth podcast with you. You guys run a role so thank you so much. You're very welcome. Thank you eric. It's great to speak with you again to you. Bet Your and thank you for listening to the women and wealth podcasts with Ezra Szabo if you have not subscribe to the podcast yet please click the subscribe now button below this way when esther comes out with a new podcast. It'll show up directly on you're listening device. This makes it much easier to share these podcasts. Cast with your friends and family again. Thanks for listening today for everyone at Gates Pass Advisors. This is Eric Johnson. Reminding you to live your best day every day and we'll see next time. Thank you for listening to the women and wealth. PODCAST be short. Subscribe to the podcast. So you receive leave notifications of new podcasts as they become available check out the website at www dot gates pass advisors dot com for more information. This content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax. Six or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed a material provided offer general information and should not be considered a solicitation for the purchase or sale of any security
Meet Me at the Mall
"Hi i'm scenario clinton. Let me paint a mental picture for you. The year is nineteen eighty-four. We're in a mall. A man dangles child over the second story railing of the busy food court. And just as he's about to drop her. There is a crash a dark haired woman smashes through the glass skylight swings from golden lasso and carries the child to safety remember. What shopping was like. Y'all i am talking about wonder woman. Nineteen eighty-four the movie now. They filmed it three years ago at a dead ball and alexandria virginia the landmark mall and while the film crew was shooting. That scene in the food court nearby. In the old macy's department store very different kind of rescue mission was unfolding. We have veterans. We have domestic violence survivors or people currently going through it. We have people who this is their first time being homeless because they had some sort of tragedy or illness that just took all of their savings two and a half years. All those people live in the mall in a temporary shelter set in an old department store this shelter and wonder woman gave a dead mall a completely new purpose a chance that renewal but about the rest of the malls well even before the pandemic malls across america were dead or dying and experts predicted. One out of every four malls will close as more shopping online. Now months of lockdowns heaven help on this episode of now. What's next and original. Podcast from morgan stanley. We're asking how our shopping malls adapting and how is the pandemic forcing that change. This is a shopping mall. The is light years ahead of ninety nine percent of the other malls in this world. May passively i hate shopping malls. I never go to them. It was really about building a building for people who might not actually like shopping malls as well. I think it's great to have that space used again. Because his right in the middle of the community mazar dead long. Live the mall now. Let's go shopping. I definitely had a good thirty minutes this morning. Getting dressed because like i'm gonna meet ill cement check. I can't like come looking like a do okay. I don't mind dad at all. Note that she said she didn't mind my outfit. They'll symmetric mindue is a legend in the fashion industry for over seventeen years. She worked her way up from being an assistant to becoming a designer cheated owning her own clothing manufacturing company which he eventually sold and then became the head of the california fashion association. We've been around for twenty five years. I've been around for twice that. I've been a designer. I've been manufacturer. I've managed two hundred and fifty thousand square feet of the california mark and one of my functions is to know what's going on now the do that they'll symmetric goes to a different mall every single week and i wanted to get her take on a newer shopping experience so we went to platform in culver city. Just outside of los angeles when you think of a mall. Nationwide in the united states. This is not what you think of. This is a structure that was really primarily for one kind of consumer a contemporary shopper contemporary clothing contemporary barrel. It's not a general mall. no it isn't. It's got a lot of pop up. stores open. Air walkways cruel seating areas and a courtyard very urban area instagram friendly but for l. Set now more than ever malls need that extra special something to draw folks in. I went to a mole last weekend. Fifty miles out of los angeles. The stores looked dated. They still had a t shirt with a pair of jeans in the window. There was nothing compelling about bringing all of these eyeballs into the store. The people will be back in the malls. Now it's up to the retail and they're jask beginning to come to grips with this problem before the pandemic as a country we will over retail too many stores too many stores too many malls and brands that used to be popular in malls had been closing or failing right now. We're talking about two million loss jobs. You don't have to be a legendary fashion designer to know that all malls are not the same they fall essentially into categories amol swell. They make the most money thing. High end restaurants and apple stores be balls. Those mid range malls sees a pretty much over. Those are the ones that are blank spots now because they had jc penney. Sears may company or fees and in the middle. They had all the same brands. That you can find anywhere else and anything that you can buy. Anisimov online with the pandemic's booming online shopping. You would think that malls are more dangerous than ever but fifty percent of what is brought online goes back is returned. The bloom is off fat. Pumpkin you'll buy online. What you know will stick with you. What fits what you know but for new stuff to be excited to be engaged in. What's happening you have to get out. You're not going out to the mall with your wallet in your hand and seeing what even by. I think that's not what i'm all for anymore. I'm all social experience. Now for many of us especially at anyone born in the suburbs after the seventies the ball has always been social. And it's likely where you got your first taste of freedom. Yes see from my junior high years through high school. Ask my parents to drop me off there and then spend the day watching a movie and then waiting for other friends to show up and then just walking around the ball. It's not really necessarily shopping. And then it was very very excited. Just lots of people buzzing ground. That's howard low. He grew up in the suburbs of orlando florida. But the mall. he's describing is actually every mall. And i remember it was a cross shape so all four ends of it was anchored by one of the major department stores. There was a sears. Actually yes i remember going to sears over there when i was growing up now these days howard low spends a lot of time in a very different mall on the other side of the world. Okay so i give you exact sensation of what it feels like when you walk in into jewel if you ever watch the opening scene of jurassic park and you know it's kind of flying through the clouds or coming to the island and then you see the first dinosaur and you've got this like newsweek swelling. In the background howard low is describing the jewel and opulent ball. Attached to singapore's airport. Now i'm not talking to regular airport. You know i may have left my heart in san francisco but atlanta's airport stole my soul. Changli is heaven in comparison. It's been rated. The best airport in the world. Howard moved to singapore in two thousand and three and while working fulltime at microsoft. He opened a japanese-style sushi bar where he met his wife and future business partner. They took that sushi bar and grew it into a group of restaurants and bars called empire. They chose to put two of their places in the jewel. Because well they knew it was going to be a hit when you come in from the main insurance as soon as you walk in. It's grand like there's just so much space says the hallways are so wide but street and fun of you. Who is the amazing rain vortex. That is the world's largest indoor waterfall dropping down from the glass ceiling. And it's surrounded by a boris that stretches over five stories. They're also guard. Mazes climbing nets eight museum movies lots of places to eat bars and oh yeah shopping. It's an all day experience and you don't have to be inside the travel part of the airport to go that you it is open to everyone even before jewel. The locals have always gone to just hang out at the airport. But you go there and you'll see the students using the restaurants hang out and study at. You'll see families coming in with their kids. Since there's all kinds of rotating exhibits in road shows that are going on at the airport now. During the pandemic with most travel suspended changi airport has taken a huge hit passenger. Traffic dropped near eighty three percent. But howard's notice the locals have embraced jewel even more. I think it offers a little psychological escape the fact that you do go to the airport to go to this ball helps trigger those associations one's mind that they're getting away then once they're in lebov because it is so different from the other shopping malls out here. It feels like a comfortable mini vacation. And while howard says jewel is light years ahead of balls around the world there are signs is changing stateside as well. Probably the best example is the grove in los angeles which is sort of like Theme park with restaurants shops. Live events the tape. Tv shows and specials there they have valet an concierge services their fountains and juan's even a trolley that goes developers have been forced to experiment. Heck they should have been experimenting. All alon especially with traditional mall tenants leave now last fall. The gap which owns old navy and banana republic. Said essentially is moving out of the traditional mall. It's moving eighty percent of its stores out of indoor shopping centers over the next two years. Now this part is huge at the most successful malls to keep the existing tenants and attract new ones malls are offering smaller spaces and short releases. They're replacing the old school department. Stores and food courts with bars gyms art installations and most importantly pop up stores and restaurants. They're fighting to stay alive and they could take a cue from singapore where extremely competitive real estate means. Developers have to make it work right quick and in a hurry. There've been a few examples. Where of all that was. Maybe only three or four years. Old parts of it didn't seem to be as popular as babies. Developer wanted it and they would just totally got the inside. Redo it within a couple years and that will work. And i think for the most seem to have that pressure where they need to do that. They don't just let it kind of fizzle out fizzle out. That's exactly what happened to the exciting mall from howard's teenage years in florida. It was very sad to see that this that was so iconic in my youth is now this almost empty shell of a large building. It makes me feel a little bit sad. Every time i go because you know balls have been very romantic. Place i think. Especially merica and the development of american towns american city life. Let's take a moment and try to put this in a bit of context while howard may be nostalgic about the good old days of the american shopping mall. shopping malls actually are kind of new. The designer the first fully enclosed indoor shopping mall was victor. Gruen he was an austrian jewish architect. Who fled the nazis during world war two. Eventually he settled in los angeles. Bruins malls are postwar. Were to invention and like a lot of mid-century designers gruen was looking to solve social problems with good design in his own words. Shopping centers can fill an existing void. They can provide the needed place and opportunity for participation in monitored community. Life that the aging greek agra the medieval marketplace and our own town squares provided in the past. Oh architects always dreaming but you can see bruins influence in almost every corner of the us and some of his mall still break records for foot traffic and sales. That's something grew in came to regret toward the end of his life. When he said. I will like to take this opportunity to disclaim paternity once and for all i refuse to pay alimony to those bastard developments. They destroyed our cities the irony or maybe the tragedy is that during his lifetime. Grins malls veered far away from his core ideas became car. i detail firs huge rigid structures. That didn't always meet the needs of pedestrians the community or the environment. Now let's head to a mall. Where those are the priorities. So why don't you give me a little bit of a tour. Absolutely one thing where was standing here. I'm not sure we can hear it. But there's a soundscape of native birds indigenous this area every entrance of the building that you walk in. You have this sense you can. There's a soundscape is a smell scape so in this particular entrance to smell of burning eucalyptus trees. That's architects steven choi. He's giving me a tour of the bird would brickworks a shopping mall. He designed in a suburb of melbourne australia. Like victor gruen and so many other designers and architects steven choi is a dreamer. If i'm on his view. When i took on the idea of building shopping mall could generate. Its own energy recycling so more to be foods no toxic materials and then many many other things. She was impossible. I really didn't think it'd be possible but here. We are just inside the entrance looking up at a rid ceiling covered in black and white waves arrows and other shapes designed by a local aboriginal artist so the ceiling. Actually about telling us where we are in the world. This mall built ten years ago would have been more like a casino. You can't find your way in. You can't find your way out. You don't know what time of day is you. Don't even know if it's raining outside in here. We try to flip that on its head the bird would brickworks up in a lot of things we assume about how malls operate for example. The kind of stores that go win so there's a pharmacy just in front of us. Just above that black sign you see. There is a medical center. There's a large supermarket or grocery store fast fashion or luxury shops here. Mostly just services and there's a butcher shop and then just above and behind that but you shop where you see the timber in the far end childcare center and the prime real estate the north facing wall with the afternoon sunshine pouring in features a giant staircase. So that when you come here you're encouraged to take the stairs relative lift so say that the of energy but it's really about people's health and wellbeing so we're gonna walk up those stairs and then we're going to go up to the first floor now. Why was that important is. You're walking up about sustainability. we're only often. We're just talking about energy. water materials. Waste bachelor the most important thing is that we're healthiest people and so emotional. Health is important. The stairs relate to fiscal health. The ceiling relates the spiritual health and often. We don't think about health about buildings that's really important. Here's something important to know about. Stephen shore penalty. I hate shopping malls. I never go to them. How does a guy who believes sustainability and doesn't particularly like Shopping malls getting into making the shopping. Mall business is a great question. Because i i'm an architect. And i realized that you know everything that was doing was actually not helping. The world is actually just making it worse. And so i embarked on this adventure. Try and change it. Now when stevens says making it worse he's referring to a whole slew of environmental problems. We're facing water. Pollution habitat destruction air quality global warming and course climate chains. Now remember ill. Symmetric are mall expert. From the beginning she might object to a mall without fashion. But she and stephen share a common vision of how a mall needs to be forward looking people build malls based on. What's coming they. Don't build them all based on what is global warming and climate change. Are here not just coming so every time you build. A building makes a lot of those environment permits. I mentioned much worse so we wanted to build a building. That wouldn't do that and also a building that was completed accessible to everyone in society. That's the key for steven choi building a green building or every walk now usually ultra green. Buildings are private homes or corporate spaces but generally for the everyday. I never get to interact with a building. Doesn't just do less damage to the environment that is in but could actually regenerating the architect and dreamers steven show wants this building and the lessons that went into making it to be easily replicated and improved on so he sharing the plans and the data with other architects. That used to be unheard of light. We end our tour at stevens. Favorite spot in the mall was standing on the roof of the shopping center. It's an urban farm up here. So there's thousands and thousands of scruffy of food that's grown and say there's chickens quails bees butterflies and many other. Insects don't control many other insects. You can't control these. Yes take this opportunity to remind you that we are on the roof of a shopping mall and his kids playing and people eating food that was grown right next to them and then those people when they go home and about this every day they start planting the same crops or they come to the farmer and they start talking about what they should do about their chickens or whatever that they are in. And i think that's happening at the community level and it's happened at the industry level and seems like your work has been focused on a couple of these ideas one the environment and to bringing the ideas sort of off the mountain is that over oversimplification. And that's a really lovely analogy. I didn't have affordable that way if you think about the things that are here medical center childcare yoga cinema grocery store cafes and so they're not really part that same consumers coach that you normally get in the retail environment. They really about how people connect to each other and for me is just that the i've wanted to do from the less green gardens of melbourne australia to the cobblestone streets of alexandria virginia and that temporary shelter in the landmark mall since the mall was shuttered and had been for a while. We had to actually go in and retrofit the building for the shelter. I mean like our offices in ladies active wear section and we are the administrative offices. Were you go through a door which will take you into the mall. It was really really kind of interesting dark scary when we first got there. I'll be like. Oh we would go out and i would look and see if i could find. The diamond is something. Venise quickly was looking around for signs of life. She's the director of development for carpenter shelter and was one of the people in charge of finding temporary space for the shelter while its new permanent home was being built when she found out they were moving into the landmark mall. Hours like we're moving where minnie's new landmark in. Its better days. It was her first shopping experience after she moved to the area in the ninety. S was booming. That's where all the high school students and people hung out. movie theaters. Busy hub bringing all kinds of people together because this was central in the community until it wasn't demographics shifted in the neighborhood and shoppers shifted to the newer upscale malls. Redevelopment plans for the landmark fizzled in two thousand and eight. When the financial collapse bankrupted the owners retailers started closing one shop after another. And so all that was left was the sears along corridors of well not and in two thousand seventeen the landmark mall went dark as the owners finalized new development plans renegotiated with the community. They agreed to let the carpenter shelter. Have the old macy space rent free. It was interesting to hear some of the residents stories in the fact that many of them had shopped at the mall when it was a mall some of them have even worked in the mall. When it was a mob. I think bears repeating some of them have even worked in the mall when it was a mall so how did living in it as a homeless shelter. Go over well. I think they will a little happy in one aspect because since everything was brand new they were getting brand new rooms brand new beds and mattresses but it was also for some reminding them of where they had been previously is there a more tangible reminder of your towns better days than an abandoned mall but there were bright spots and one point we had a carnival that lasted about a month which was right outside because think about it. There's lots of parking. The children were all excited but sheltered. Didn't have the funds to cover the tickets and then a donor came through and paid for everyone ago. It was really nice to people who were experiencing a crisis. We're able to just let the children children for you. Know two hours and not have to worry about how the ice cream would be paid for with rides. They could get on the carnival left as they always do. And a christmas tree vendor showed up in the law only says there was always something going on was kinda like we came in then. Life came back to the mall because at that point it was kinda like nothing really much going on but it was like we bought the community back to it so that was good. We brought the community back to it. Can you hear that. Victor one of the things. We often forget about malls that they weren't built with flexibility in mind. If the people move away or the people change then the mall can move. It's there the mall can move. People can move but malls can reinvent themselves to meet. The changing needs of people carpenter shelter moved out of the landmark and into their forever home last november and early this year landmark developers announced a plan to turn the mall into a hospital campus with mixed use housing retail and greenspace designs and things of that nature might have to be tweaked. But i think it's great to have that space used again because it's right in the middle of the community and that makes it very valuable valuable real estate. Some of these dark balls have already become offices. Colleges recreation facilities senior housing complexes even churches. Some have become amazon fulfillment centers. I think that's called the irony. Here is a huge opportunity. Here and developers are always trying to find the most financially rewarding solution. They need to make money. That's case scenario. They're going to be the social framework of community. Everything will be re purposed but they will be the centers of the community. I was thinking about by conversation with l. symmetric. The only thing that i bought in a mall the whole year of the pandemic is a refurbish army jacket. That has a giant image of muhammad ali on the back about it from local artists in pop up shop that definitely wouldn't have existed at a mall a few years ago. Now to be honest. I might go back and see what shows up their next as elsom metric would say fashion and malls are about being relevant. And what's more relevant at this moment. Thank community the mall is dead. I guess long them all on our next episode. We study up on how the pandemic has created opportunities to rethink college. I'm starring linton and this has been now what's next and original podcast from morgan stanley. Thanks for listening.
Los ornamentacin en la Eucaristia
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What's Happening In The UK's Mental Health Wards Right Now?
"Mentally oh focus on your mental health. You show regrets mentally entity then men today today. We're going to be trusting to john. Barry waldren is a staff nurse at some time trees. Healthcare and the host of the podcast. This is actually the second time we've been chatting to him. We had shot to him back in september last year. If you want to listen to that original one it's called working in a mental health facility. So today we're going to be talking to him about what life is like in a secure psychiatric hospital during the pandemic the patients and stuff. You've been before but for those listeners. You didn't hit last episode. Could you start by telling us about your work. What you d please. Yes so. I was this time last year. Which seems like a long time ago but i'm by memento health nurse. I work in a secure mental health facility looking off. The patients have been sectioned. And i've been lucky enough to be involved in a podcast that features then patients and the stall on the story. The whole idea of the podcast is to try and reduce the stigma around mental illness particularly men with hospitals. So i think there's a lot of of misapprehensions and confusion of what happens in these places and people tend to focus on the kind of the hollywood hollywood version of what the faces a lot. Robin reality of them is so. Can you tell us a bit about what it's been like in those until this past year i've might from the start Gung three to the lockdowns and now sort of looking voted the next year well I think it's been tough like tough for everyone but particularly knows what was. I think we're now in the second. Look down on me. Personnel found the second. One way harder i think the first one we of really what we were gonna get inform. People didn't really know what was going to happen but this one we knew what was going to happen has been incredibly tough. So how's it affected patients. Because i think people might assume that if people weren't hospital denied it it might not necessarily be kind of affected by the pandemic. But can you tell us a bit about how they have been what i suppose we had kind of two facets of the immediate one really overseas looking off the wellbeing of the patients that physical health. So you know. Everybody has to wear malls because we had a look off to the physical wellbeing of the patients. You don't want the gaining tibet involvement. And i was very lucky. I war that there was no patients directly affected card but we were affected by the measures. The lockdown and its patients can leave But i think probably the two main aspects of the first aspect we had was we do have a lot patients that have Delusions and sometimes they're paranoid nova see if they see installed coming burn. Mosques can be quite scary and quite doing it for though i mean. It's scary in doing for us seeing someone with a moscow initially So the people that may be all struggling with a mental health. It could be worse. I realized myself how. How often i use my show expressions to kind of one thinking and you can't do that in a mosque and it's really really tough. And so that was that was really hard for the patients trying to cross that kind of aspect of it. And obviously i'd say. The secondary aspect was the lockdown measures. So law of patience. They used to have leave. You know these out to town visits a lot and during the first lockdown that will stop and that was really difficult. Yeah i'm sure Because when you're in a unit you do really rely on may be seeing parents or friends foes into kind of keep going. Don't you absolutely. I mean typically all patients. Sometimes i might be quite far away from where they original hermes and then like maybe once a month maybe once every couple of months and to have that taken away that that's really hard obviously we can still use video links and phone calls on things but it. It's still quite saying. See the person in real life. How's it been in terms of things like bed that sorry econo- shoe member if it's a is it a private hospital or a through pass the yes it is yes. So it's like a charity hospital. You have the Most of the patients in may be in patients. Yeah yeah i think. I mean plus. I've this whole thing i've been reading quite worried about Sort of the long term effect on people's mental health. But also just as it's been going on whether people have been able to to get into units house. Have you had any sort of by dave. That's all od. Just sort of. Have your sets number changed. I literally just read some interesting stuff about this yesterday. And i think admissions to mental health units things will actually be reduced over the the pandemic think they done some research where they found that people In the stolen so many initially happening people tend not to Who have a boost sometime in the mental health. But i think before and after it is where. We're really gonna see fakes. So i mean we were very lucky in terms of all admissions. Everything slow down a bit. Really because i guess What you call it. Mental health workers going to see patients megawatts. You'll maybe people weren't being referred much as much the emissions actually reduced so we were lucky in that case. But i think we're gonna see it now. I think now particularly when we're gonna see the surge if you like in people having these forums. If you're on the lockdown and maybe like the the great effect for us i guess was on staff in soci- we had some stuff to go sake one of the featured in the podcast is very well. Some stuff goes eight. Some self self is and so that means a reduced number of stuff so that meant it was very difficult to kind of keep going and off the patients get one colorado around. Yeah how did pandemic effects staffs mental health. Do you think he was. I mean it must have been. I think he's been hard on everyone this year but Yeah is there anything in particular that came you. Yes obviously You know can't really She'll get company. We work with patients accepting a well and sometimes they they do get aggressive and sometimes they can so home and things like that and these kind of precious kind of all kind of exasperate but by the lockdown read it because they couldn't leave the would so initially we had some patients that would say like they they sometimes off the wall and goes at the gm will guy for ron or something like that like we do kind of steam. And when you can't do that that's very difficult and the staff have to deal with that and then trying to manage situations and it's hard when there's maybe not as many as usual some of the most sacred something so far is laying some shielding so it was difficult. Yeah it's a tough time. Yeah def you mentioned Someone on the staff as she got to that i suppose everyone was quite scattered around that time in particular particularly the stars because nobody really knew what we dealing with. I think people. I remember vividly coming in and i will wear a mosque and i was like this is available for the top. Ian this is a this is a bit much but then realize no no. This is like a serious thing only to also. We will have to wear masks now and it's just become something we do but it still doesn't mean an uncomfortable silver paint wear them but The the sign about the psychological impacts both on the style and patience. I think he's gonna be like. I don't think we know the mini. I think long term. It's going to be who knows what the effect is gonna be. 'cause we're going to have over. I think there's going to be people Out in the community that might be accessing services and services really kind of stretched before the pandemic. so how are they going to manage now. Other you mentioned about the admissions bus. I think i'd probably assume might take them out would be yellow people of maybe not being able to to access them because gp's adjusts evade wanna phone at the my wounds and allows the mental health of groups that i sort of know distance at a friend's trying to access them let thickening like to sort of shut down but they've just done things like video not so basically not the usual support that there'd be given yes. I wonder if we're in a few months time. I we're going to seeing the kind of repercussions that somebody who people on accident services as much as they would be. But i i think i said to you the first time we we spoke the When gets the problem is when when there's enough access to resources in the community people tend to live longer than get sicker and then when they end up in all places in the us and they would have been previously so. I think that is an issue yet. Impulsivity that will happen The government should be doing in general to help people with mental health like if they have a long term and help the issue or just generally if it's like at one point during the pandemic there was sort of doing a kind of quite token into intensive we should how Let you want so that must not meet you. I think the Fortunately the government not government. It's kind of previous governments. Well they will tend to talk very what about mental health and everybody seems to be more willing to talk mental health. Would you great. But then when it gets to the seriously you say long term and is the money and the fundings just not there and people Tend to have access to services that they need. And so you saying what do the first thing is. Just put the money and really. We need more nurses in the community mental health teams in the community being able to do to what they need to do And i think. I've said this before to someone else but i was saying that i think ironically in order to keep people out with host but we need to build more hospitals more beds because the ones that are in the host was stretched gonna from my consent say i think because host both become conservative. It's getting to be sectioned and you have to be at the extreme end of a of mental illness. I think it should be a lot more accessible to people to kind of an and then that way they probably wouldn't need as long in hospital in definitely there's definitely defeating Nothing really seems to get until you at crisis point. At the moment. I mean that might be a bit bleak Maybe lamented at being postcode lottery. As well you know in some places actually people do have the food on a really. I mean if you if you are wealthy enough you can afford taxi services and pay for a good therapist. You know folks. that's the way the welcome afraid. Utah positives and as far as we should try. Because i think there is some positives out the The pandemic in in the sense that i think there is a bit more of a sense of community and people are more aware of while people are dying. I think people get a little bit more specific. I've done it. We'll see all since like the how things Working now in terms in terms of the hospital intensity units people I mean can people even leave the moment in terms if they said they sort of get better. They've obviously been a bit sick and they get better so it has announced. Sorry very yeah that that was always quite an issue trying to get people back in community because obviously the key said the communities quite stretched. I'm placements for patients that we have is is quite limited so you can imagine over the course of the pandemic they kind of start slowing down law. So campaigns discharge is quite tricky anyway during the storms even trachea. The big thing is the way we would always assess patients and how well we're doing is having them have leave the going out or going to town or accessing services lob reasons imposing things after. They can't do that because everything shut down. So it's very tricky for us to kind of Would be if they were out. So it has has taken a toll. And like i said most of the Aspect one of my patients. She said to me the Jimmy costa i don't even like kofi said you just miss his going out and being able to go into the community because that's the important thing when they're in hospital was to get them back out even if it's just for a day or just a couple of hours is making it. Normalized go into the community. What's christmas like on woollard. Since we assume up that christmas and new yes it. How was it like well in a normal. We get many of them home as we could say family's poor and sometimes they go even night leaves a family but The ones that don't we try and we want a special dinner. We have prison somewhere. We try to keep it. Make it like a special day really. Yeah so i guess this year is going to be that. I think so because this is the other thing is what we have to go by the government guidelines so we we kind of white in just like everybody else to see what they announce so i can't even remember what i think. We're in a two on. But they were talking about having a. What's it called five day. Window of christmas was like people could go and mixing household. So we're hoping that maybe some of the patients guca hung's that that short window But it's very it's very unsettling just like as any of us unsettling if we don't know yes we can go it's unsettling patients and then to be told that must be the halt for them. Still i mean we got Twenty twenty one indexing. Look yeah that's a. As i said before the was has been some pose. A field of the patients will anisimov. We will kind of gathered round and kind of everybody rallied round particular when they knew it was quite serious so i think initially the patient very annoyed because i thought it was maybe us so they put a lot of the projection onto the stall. We would who is them guy now. We want to open the guide for cigarette or whatever the thing might be. But it wasn't it was it was like across the country and and so i think once that realization kicked in the actually. This is like a thing. It's a global thing. I think they will also they will willingness and we will this we need to kind of do based to get through and there is hope because we call it the vaccine now and if you feel like there's like the end of the tunnel because of that audio as well feel like more harmful that maybe next year things get a little bit normal but there's no such thing as normal but hopefully we'll get back to. We can stop doing stuff going out and you know i was thinking. Imagine like the first gig something when people are able to go out and mix. It will be amazing. 'cause you think off on the holidays the patients around the holidays musclebound odyssey's there's no definitive date so if they were to say okay so made the first whatever it might be can go back how and back to. You could always get to that point. It's when it's when you don't know when the indies. That's that's the hardest thing you mentioned it earlier You'll podcast on the ward We talked about this time. You were on bit. Can you tell us a bit more about that. So why Chest up and you latest series. Ekos out yes. The first series the initial was to try to demystify bit of the mental health hospitals and mental patient. So the audio was trying to humanize the patience and stigmatize the units. Because i think people have in their heads. I still prevalent now feel jerker that movie that that was another one that featured like a mental health patient and at the end there was a hospital in host but was always the sign the wiscon- of what padded sales and everybody wearing white coats. Those people in straitjackets. I think people have that image in their heads. I wanted to of get people might think of it not like that. Come show what he's really like. Yeah we don't see the enough actually what it is actually like. I think i'm saying there was a tv thing. Awhile back possibly with stephen fry's and going into a natural unit. You're not really nice sort of commerce. That she would like. Yeah yeah. I think i think you're right. Then kind of documentaries do have a bit of an issue with Mccoy him out. But you know louis through. And stacey dooley great. They did ones where they go into mental health units like you say and they of into patients and they kinda show a little bit what the hospitals like by fell a little bit. That's con one series to look like. They showed the patients as victims. Almost like to be kind of pissy. Like look this poor person here. And i wanted to share that you know the patients that we have doing great things. They've volunteer in helping patients. They're doing jobs that great music. And all i want to show the other side you know yesterday in hospital and they do have a sears mental health there will still live in their license still doing great things again. Although the country's countries for just today i guess focused on the the kind of people The thing i mean it's yeah it's difficult because there s still what she said rubbish in the media in terms of say films in particular seem to get completely wrong even if even if it's things while you know it's meant to be sort of set in the past it's always sunny suitable for lend dramatic dingy and yeah. Well i'll start watching. is it ratchets. The the one about yeah. So of thing is very very stylized and it's really good. It's really well done but that's not what it's like and some people might take away. Oh is that for mental health nelson. Who's like But that's actually. That's what i was thinking of it when i said it because it is very stylized is the guy that makes that show. He's is very much his in terms of the bright colors and stuff which i kind of liked but at the same time and it's very obvious that it says in the past as well but at the same time watching it in in the president. You do Does i guess might you think about. We all went to healthy units. And you you might pick up next if things about not just the under the the rooms that people staying in when the act but also things about maybe done dynamic between the nazis and patients and yeah. It's it's weird one. I think that one in particular it did better than the others. Because one of the great things with ron mafia. I think i think he is my net but some dense to sort of show different sized things so it was quite obvious that some of the patients were a whole sane than the nicest type thing and That was great. But you know. I think it was a great piece of art but under how close really was an analog. Said some people will understand that you know. That's a long time ago and then some people think that's what it's like now an so. That'd be worry new if someone does not want to. Cause i don't wanna be noticed by us ratchet. The i've seen can coming sort of vaguely to reality is Gun interrupted even that that was particularly. It wasn't a pleasant film. is it because it is. It's based on sort of a real person's experience so it wasn't. I mean these pleasant when you go into mental health unit so obviously it wasn't totally doesn't story and it was. I think that was slightly dingy bit at the same time. It was mostly normal in times of the surroundings. At least it's actually the one the one i work a women patients and they often mentioned that one and say that's the closest one that's got to what's actually likes know bits of it. I mean i was in A young person's. When when i was younger it was i was just describe it as a youth club. Ns because it's my gut interrupt is just kind of a bit light that way it is that you you go in and will kind of in that with different people and you do make some friends and then if you don't get on with and it's yeah i mean you're in a bit of a weird place mentally oviously is your in very well but I knew the wonder about like You must be re difficult and challenging for the patients to live with the patients. You know so. Everyone's kind of embarrassing they for reason and you know there were different. Levels of mental health must be quite tricky. I find it kind of interesting just in the fact that is it's all a mix of people lots of different issues going on that makes sense. So for instance. When i was that the feud of the people with eating disorders sensitive anorexia things I sort of made friends with mexico. We sort of have nine. But at the same time. I didn't really relate at that time to that yet And then yeah your issues too. Yeah the. I don't know what it's like on you'll but particularly sort of the young person's one Very hesitant to diagnose anyone so it makes it even more complicated so you can't just like nobody asks anyway. That's one of the sort of rules like if anyone wants to ask why you would that i wouldn't build. I've got bipolar disorder. Because i wasn't actually diagnosed until i was twenty full. Yeah you said the does it look code. Wait on all. Is that true. When i think it was when i was in the getting like nobody asked why in that basically so you just you obviously knew that people had had an issue had been sick but nobody actually came out and said i was depressed and i let you hit. Bits of their stories in groups are up in stuff. And if you made friends with one of them you might have worked out that they had sociale unleashing sorta. It was quite rare for well. I guess it's just what route to go to a new person. You you in four type thing. That's right yeah. Yeah i suppose we have similar things in all but the patients will at the moment seemed to get quite well and i said i think the pandemic kohl's paper to because the only people that had would have mentioned in the first series that the whole thing that they will most of the patients will grant that they like a need. It was like the human connections just talking to people and having someone regular an three one. In the patient's inside have occupations install but one of the places outside during the community will still have that human connection. Yeah it's going to be a struggle for lots of people people have him into healthy she's But also people who might not have struggles with them into health before. I think people have been having issues with like 'isolation and just you make a huge thing and us a huge factor in people's mental health and There's a lot of people. I suspect a public quite lonely. And we haven't felt that for a while. I think that's human connection thing is it doesn't have to be like a massive. You know to one with someone. One of your best friends it could just be silo to someone of the boss. Would sign load to the guy works in the news agency and it doesn't have to be reading debts just that able to record another human being like me out. Yeah that's good advice. Thank you and that reminds me of the chop. We have with captain tone when he was on his his things about you know giving people often sort of smiling when you see them saying hello and yeah just giving them a little nod and i realized actually how good that can be for you. I mean it's lovely for the people as well but it's become be really nice just for you guys eight because we lost so much connection in are just everyday lives you not going into the office you having your conversations over email or whatever. Yeah i guess like a you know you guys at the table. Whatever the someone's struggling to get help with a suitcase or what have you feel. Good is what is seen good. You know because you feel that could dates of the day. But it's interesting you sign about. The lack of human interaction was reading a little bit about Cam service children's service and they were saying that actually children. I don't know where the study will also give me. I said jones exhausted actually gone down to the pandemic and i was wondering if that's possibly if schools and things Pressure on kids. I think and i remember when a worked to placement incomes and this is about four or five years ago. I remember the kids coming in. Then you know they talk about the issues that they didn't see a distinction between friends. They had rule life and the friends that they had online so they friends online. We'll just say in. This day frightens. And i was quite an old concept for old people to get these people like you know. They just thought the that in line with their friends they add doesn't matter if they didn't see the new rule if they still count them as friends. Oh see so actually. Yeah you'll still search online. It's going against best friend was lives in canada. He said he's never met him before he counts his best friends in the who've never physically meeting so what. If the kids are so young people. I would cope with the wilbur who've been confirmed into the maybe the rest of us. Maybe that does make me feel. Because i guess because i've been missing the whole seeing people face to face and hugs and the i was such a terrible hauge until list started. I was just like wow like one hug in a year. I mean i think the thing about look on his knee in people. The property knows that you know if you go to a ball or any chance someone about something random You don't get that now because you have to plan everything so you're going out for meal you know you can meet six people if you have to know them I found that very hard. Yeah well you just end up doing some stuffing just end up not going up the yeah lisette ordering the zim quizzes. I think that's one of the reasons. I found it so hard. The second time is that we didn't realize how much of a zoom quiz was until the second time i do enjoy them. But there's only there's a limit to not you can do so before we finish up. Is that one. He thinks you'd like to add a tool. Just you couldn't some good actually. I just wanted to mention quickly about the secondary so the reason we got series to. Yes we did the first areas that whole idea of that one. Was you know. Reduce the stigma of mental health units. The second series. I really wanted to focus on the patients and the staff. Because i think both patients and staff been cut hall done by press and media and i want us to show kind of the human body both in so that's why i kind of want to see the second series analyst ways to get a little bit of what looks like pre lockout post lockdown the patients in a mental health unit city school Listen to it because the wherever you find your costs apple podcasts spotify. If you're very busy you can do on the ward podcast. And it's the first one comes up okay with chose event mentally. If you've been affected by any of the issues have been chatting about today. Please give the smart censoring on one one. Six one two three or you can go to their website. We should samaritans dot org if you're interested in joining us online. We have a lovely facebook group which is also called mentally yours. Boykin chat to us on twitter at mentally. Why are s. See next time guys.
Bachelor | Season 25 Episode 5 RHAPup
"Hey everybody and welcome to the bachelor up podcast. I'm amy as always lovely haley strong haley. How're you doing tonight. I just. I can't imagine you taking any other podcast co host. Because i'm so talented. And hugh and fun and loyal and smart and gray and i have great fashion sense and i don't think anyone else in this room can compare to me like i just i can't i mean i'm not in a room with anyone else. You bring the most joy to the room. We'll be really sad if he left that room. When you're doing. This is an interesting one. This was a resolution to last week and looking forward to finishing up. These victoria impressions. Let go but not without having her last word i guess. What is the pricing victoria. Can't leave room without lasser. These like how mad just didn't say anything like you were saying that we just wouldn't even mention her. This week i feel like we have to at least allude to her exit since then create some of the storyline on the way out such as we may not want to. Yeah i. I'm looking forward to never having to talk to her again until the women to all right. She tries to come on and tone for her behavior. And this isn't who she has and anisimov say this isn't who she is and etcetera etcetera etcetera. Yeah have an instagram statements. By either these two. I actually thought anna deleted her instagram. I have listed. Don't cyberbullying these people don't comment remote comments on their things. Don't tweet at them. Don't do anything literally. Just ignore them. This person was on tv. Now they're not any are more green for both of us. Just move on. Don't don't tweet me things to people exactly. Don't think to their level right. I was just thinking if they like. Come out with any statements or anything or if they're just like leaning into it at victoria didn't like lean into it on the way how. She actually acted as though she didn't do anything. But i don't like. I'm not of the camp racing. Victoria was playing it up for the cameras right. I think that's just few she is so you think it didn't register with her. That she was to that degree or she really thought it was playful or she was just trying to cover her. I think she just like thought it wasn't going to get back to her if she'd like She could say whatever she wanted without consequences and she was just trying to backtrack when she realized that what she said was viewed as not. Okay right right. There's a lot of doesn't like i get. It sometimes feels jokey but like some of it doesn't and if you're throwing out those things to people that you haven't developed a close bond with thin it doesn't come off his comedy. Right when you took off catalina crown. That doesn't just read is all playful militia. So it was. Yeah and something. That wasn't very little. Her and catalina had that look in her eyes of like. Oh shoot himself into And we've learned something that she said to ryan. That was not shown before. But we find out from ryan what she said directly to her. So yeah there's not like one. Little thing that could maybe be misconstrued. It was like an ongoing thing and the episode. I think opens with was victoria. And i walk into victoria and kit kit. Okay so Still talking about you know. Oh she's trash. And i tried like. I guess i wouldn't say kit tried to be neutral and say that she was like like care who's listening or whatever right right. They're coming this way kind of thing. So yeah it was more than one person kind of engaging this kind of two main offender is it seems like so. We opened open episode with that sort of leading in and start off right away with a cocktail party doesn't really become a cocktail party. It's more of an investigation. So matic's statement to the group kinda comes in more somber greets the group and says you know heard some things about a toxic environment and some rumors being spread that could potentially ruin someone's life we see his face like she knows immediately that her but we also see some other people looking a little bit guilty looking around the room and then he grabs brittany i to talk so i think that if an didn't are you know then she knows It looks like victoria's is trying to pin everything. And i'm like oh okay so you know it's you lets you that and right. So what did you think of the different reactions in the room. It felt like people who didn't want the blame placed on them even though they may have had a hand in this situation kind of asking around kind of like. Where'd this come from. I don't think it's toxic. Seem like there's a lot of curiosity out who said it and then other people seemed like at least a couple of women that made me were like unaware. I don't know how you could be like totally unaware of the environment. Guess you're not living in exact same house but We did see Serena p speak up. And i appreciate what she said about like had. No idea was to this degree. I'm really sorry guys felt that way didn't seem like she was ever involved wasn't on a group date kind of on that offending week. I don't think so there probably were few people that were really like. On the periphery of it. I think it's hard. I think it's harder like you say because there's not really a house like i don't think They're spending as much time in common areas. as other seasons. It feels like the common areas are for like scheduled conversations. And that's it. It seems like the girls are more like going to rooms and hanging out or going for walks and stuff like it's not and if the people you're hanging out with will then you're not really hearing that you're not really getting into it. Seems like there's a couple of women who are just like getting involved with us. I'm not talking to them. Like i'm not messing around here. Yeah they weren't hang out with people or they weren't yeah it does seem like they have their own now that we saw that kind of walk that they had kind of groups of two going around you'd think about like probably have a gym that they can access and they're not all going to be there at the same time so if a lot more freedom which is maybe one of the perks of the season. When you don't get to travel that at least you get some privacy. But then the downside is that they're not it'd be having the distraction of fun place to go and it's reading the really toxic environment so talks to brittany and she talks about what anna said so he knows So i don't think katie cabinet name any names of people Except brittany right up. The the rumor was about britney but didn't say like who was saying it but Britney engines what anna had said And i really liked his reaction. He could see that she was like a different person. Like get it really really affected her for her time there and that he wanted to get to the bottom of it and then he did he call anna or does she like go up to. I'm right away after. I think he called her. Yeah because she was like strategizing. Like what i do. What should i say. But she was immediately remorseful did you. I've seen people kinda praising how she handled it in the like her apology. And kind of like taking responsibility for it. I'm glad she took responsibility for it. And i i really believe. Or maybe i really hope that anna is going to learn a lot from this experience. She going to take this as a teaching moment. And i don't feel like she's going to try and play the victim in it like she's going to be like this is a bad. I made now. I have to lay in it. And that's what i hope at least. Yeah yeah i mean. She said it was an utter character moment. She regretted it as soon as she said it. The one thing that made me like gave me pause is that it wasn't just like a one time thing she said and then like stop saying you know like. We saw kind of multiple times laughing with victoria about it. So i think maybe she was still thinking about like okay. This is the one time. I said it when the whole group heard but she did like explicit to the whole group in front of brittany i think is what britney had said so everybody knew but i think probably watching back. Last week's episode would make her even more aware of the extent of it How did you think. Matt handled talking to anna. I thought he handled it. Pretty well. Can you do right like i. It's really easy to just pretend like nothing's happening. But i think he really does care about the women the house and wants to make it a good environment for them and i think he liked data and obviously not enough to look passes and you know to kind of user as an example like. Hey if you're like this you're not going to stay He showed some grace to her. Like saying you know you're you're not a horrible person. I've done things. That i regret are things. I regret And learn from them. But like i want to keep this a safe space for everyone A good experience for everyone. And so i don't see us moving forward anymore. I don't think she was going to be you. Know his final rose either way But yeah it's not worth like exploring more with You know people are going to feel uncomfortable and something that she can learn from but yeah they're not they're not in the right they're not like each other's person right now. No but yeah. I you know i hope. The best for anna. Hope that she she looks at it. Looks at this experience in a in a in a manner in which she she learned a big lesson. And maybe like you know. Be careful who you're talking to. And because i don't doubt for the second because i i heard that i think her her name is kaley she kinda like back this up. She was maybe the original person to be like. Oh yeah i heard sees. She's an action so yes they're all kind of in the chicago close because anna also Bottle girl at chicago club. So they're kind of all in this little weird semi circle. I don't know i just. I don't know. And i feel like she could be easily manipulated by the producers. Maybe she's not the mostly reality. Tv savvy we. We didn't really talk about it. We meant to. We forgot around the top but dylan from hannah. Hannah's season count brown. yeah And he would only get twitter rampage a couple or a couple of days ago. It's all deleted now only goal. I'll answer everything about the bachelor. You wanna know he didn't get at it hot info like nothing. If you've been watching the bachelor like none of this is new information to you. I'll just kind of saying. Oh it's all like manipulating and you sure you say things but they make you say the above flood Got screwed over the at it. He didn't cheat on. I actually did nagas screwed over in the senate. And he's like oh he cheated. He didn't cheat on hand. Know we all know who didn't never jaded with her name. Haley yeah yeah and then katherine low on her. instagram stories. Today was answering questions and a lot of people were kind of referencing this twitter thing and she was like listen. Yeah they'll keep asking you things and try and get you to say something but if you don't play into it dale stop asking you and you know they can't make you say anything that ler put on. Tv anything that. You didn't say they can't do that sort of things. They can take him out of context. But the i think she was kind of like you. You're all adults can make your own decisions about what you answer. What kind of things you want to instigate or not So i just. The whole thing was so funny that it was dealing from an problem. Seasonally cares about delay. He was so invisible and then also he is like a success story of the show. He never had a bad at it. He was like the sweet guy. That was a waiting around for energy and was like smitten with her right away so he actually like gotten edit in vip for being totally invisible so he should have nothing against the producer's like they call them back for not being memorable and he is engaged to you know energy so i had heard it was like to promote like that. Jed has a podcast now. Or something i mean. Are they just giving them away. Apparently anyone can start one. Really be as we started here. I don't know it's just strange. Little after nation news story that came across. It's it's hard for me. I don't know. I think we've just been in this for such a long time. And we've we've had the absolute delight of talking to people who've been on reality. Tv and not just one show but a couple of different shows in kind of yachting their perspective in like we were very early on by our good friend. Randy that like the producers are trying to mess with you. That's what their job is. So you can either play into. You can just go all like that's not my business. That's okay if you're not there for screen time then who cares right. You don't. I mean if you are there to find your relationship with this person. You're not going to try and get the screen timer. Say something to you know. Get the producer's like excited and put on tv like you know. Yeah and i mean a lot of people. Are there for that screen time. So that's one thing that dylan i did see that he said was like you're rewarded with screen time if you play into it. So that's what you're there for then you can't get upset When they show a bad side of you when you presented one factly so anna is the one who gets sent off in the car. So i think in that car. She's just like it's all sinking and like oh god. This is how. I can't believe how this is ending like it's ending like this. It was more like this. It's not gonna be good for me. Whereas with victoria. She just pissed just wanted to have her last word with matt on the way out but he i talks to ryan and that's where we learned that victoria called ryan a ho because she's a dancer. Yeah and i guess if you are in close group of friends and you are all like. I don't know how do i. How do i go about this him. I called one of my friends. A host sure on. Is it malicious now. Is it It's with people that you can't joke like that with. I mean you probably said that like night one. Oh you're dancer must be like it just in especially probably these girls seeing how victoria's acted with other girls are hearing about it. You hear that from victoria. You don't think it's fun and playful. Yeah yeah so. That's hard to watch ryan's reaction And just letting matt know about that. So then his conversation relation with victoria. Meanwhile we had seen her like melting down while she's being and after she talks with him and We see her talking to producers and she's like in total disbelief but she comes in there. Like i just really proud of how you're handling the situation That's really great. I just want to her piece and you see his face crack a little bit. Okay thanks But here's where the issue is. I don't know it's just like i don't know how he can keep a straight face talking to her. I think he's just so tired. And so i don't want to have this conversation. Said because he did say like oh. I thought victoria had like a big heart. Like i enjoyed her right. Do you think he didn't send her out right. Then is producer driven like what flutter spin out a little more kind of thing. I would say so so that she can be the last like potentially the last rose called again. Because everyone's like okay. He can't keep victoria know. She's been the last rose for so many times that they wanted. Like keep you guessing. I think but this time she is not. He calls brittany and ryan. I and everybody picked up his choices. I'm glad he did. And i wish he also had called catalina to just for one more day. I was bummed about that. Because i think she's thinking like okay. Well you didn't call me third so so heavily. I didn't go palmos. I talk about the crown being taken. Maybe she did. We just weren't so brittany than ryan than rachel answering. He megi kit. Mj mj. like i don't know her name was thrown out there yet Katie abigail chelsea serena. See that kind of surprised me. As the last choice. I was thinking lauren or mari. Where two people that he had had really caught his eye before. But they were both eliminated with catalina. And then victoria is. The last one is really surprised about lauren. End mari yeah yeah. I don't think we've seen much of a collection of serious. And she was kind of in that group of people you know not being cool with the new women as well So i wonder to one thing i think dylan confirmed but we already knew producer. Picks like maybe they have. They're like well if getting rid of victoria. Mj you know his. Why not keep. Murray and lauren who aren't like bringing a ton at least mari. We haven't seen a lot with but he obviously likes. Like i thought he was super interested in murray. She get like the one of the. Didn't she win the one day even though her team loss like she and then she was like the one where he was like. Oh i couldn't even speak to. Her like was stunned when she got the limo. So it's weird to like show all that and then like she just fizzled out Then we see victoria just tells them off at the end like i cannot believe that you would. I feel bad for you because you believe hearsay over someone. So she's kind leaves on that note then special. Never date another matt in her life. Okay then make sure enjoy summer onto the new dates. We get a couple of toasts toast to better things. Britney gets lead. The toasts help. We're turning a new page and then we find out so it's going to be one group day two one on ones so we're switching. It's the halfway point. We're getting to those deeper connections still. There's a lot of people i'm like. Why haven't they had a one on one yet. Most surprised housing. Got a one on one. Yet abigail yeah. I think she is to feel bad. Stink because colon kinda talked about it in his npr podcast where he really liked casts. Your you really liked hannity. And he wasn't getting dates with her and he realized and then once he started liking cassie more. He realized that he still had to play up. Hannity was as number one. So i wonder if that's like pudding. Abigail is one of his high ones interesting. Yeah but he went not like not like to do it for strategy. He'd just be like okay. I wonder why i think because he is. He's always asking the women. Like what can i do to reassure you. It seems like he was kind of that way with rachel last week. He probably like put her up at the top. And then you know. She doesn't get a date this week Surprising that's interesting. Because that's i another thing. I did see with shannon catherine. It's like you don't really have a say in. Who gets your the one on one dates. We always thought they had a little more. Say on that but So rachel the stereotypical spoiling date. How do you feel about these kinds of dates. Like i feel like they're always setting the person who gets them up for failure. But if i was on the bachelor i'd want this one because obviously knocked pick me at the end because i don't think they have a good track record. Well becca coo. Fran got it but you know she got picked then wasn't big so that i like rivalries or jealousy. I love things. So i would absolutely want to be honest like like i'd be like all that stuff. I'll be like hey. Bss in the house. Here's a saying. I'm not going to wear this like orange tube dress here you have. Yes though cough or anything to have that type of date said it was like so not like her. What was funny to me is that he was like. I love her confidence in her story with ms i. I'm not confident. I was kind of a big thing. I picked up on. It didn't seem like it seems like they're really into each other. But it's not exciting me. How do you feel right there with the other. They're both kind of bland. Yeah there's not like particularly exciting. Yeah like i'm more drawn an with his chemistry with michelle or how we can relate with three. I don't know. I just didn't see like a ton of like even with sarah who's gotten alec have total chemistry. Who was really good Let's get the princess date so they do the style thing where there any efforts especially like no they seemed a little like i like the black and white dress. But not really my thing. I don't love being. Yeah yeah seemed golota. Rush shoes are probably the most exciting part everybody in the bottom. The red bottoms and then they already said charity. Said she's falling in love with him and he says it back yet. I i can't say for sure joy but and they got a horse-drawn carriage onto nima colin. So that was that date. She comes back girls like we're not like they were jealous like mad at her. No they're really sweet. Mp was like you. You know just like joking. I think rachel was like seems very sweet. And unassuming about like. She knew like she kinda wanted to like sneak. In kind with I don't think she was a tape that to flaunt it. I still think it would have been hilarious if kit had gotten it because she'll be like no i'm okay i don't wear so then everyone's waiting for the group date card. They because it will reveal who is getting the next one on one. So i was kinda surprised that it revealed that kit was get in the second one on one. Did you think there was a chance of making it out one on one day. I didn't. I thought like i dunno. Kit surprised me. I thought she seemed really down to earth. But that's it's kind like nine one. We have one side of kit and we got one impression of her and then sort of went away like remember. When chelsea ari season she was like a villain one. Choose the mom and saying all these like weird things and then she was never sorry sorry and she was like mild-mannered. Nice so maybe if that was the case like she just was sort of they portray her one way from her soundbites night. One but you know. Maybe she's just sweet. I don't know. But i thought she was being set up for like okay. We're from two different worlds I'm not going to fit into your lifestyle or just like something like that and be. Yes person sent home but yeah a data nice nine. Yeah so every to have the farm date another staple seemed like they actually went to a farm off the property or does the mccowan have its own farm. That is something. I have not researched nor will i research. Who is farmer tie. Is he a producer or did they make a farmer a cova test and quarantine mccollum for week. Ooh good question. I guess you could quarantine of his own farm but like yeah so he said matt said that he grew up in north carolina so he worked on a farm on ios younger. And it wasn't like the chris souls level of what they had to do but it didn't seem like they were properly dressed for this. I don't know. I'll be okay with this kind of is again. It's not like daring. I think i could get through it. But i don't know i'm not feeling particularly excited particularly excited about watching at this. How do you feel yeah. No i'm with you there. I don't know i am over. Let's make the girls like hanging out and it's go on my just. I'm kind of whatever. I did like kid state like i it. You know if you're not traveling to some extravagant location. Let's hang out in your cool condo or whatever it is your cow is the whole thing. Yeah yeah we always like those days support for this. Podcast comes from mcdonald's. Spicy chicken mcnuggets are back which means spicy tempur. Breading is back in the age. Cayenne and chili pepper blend. Also back how about the mighty hot sauce. Yup that to that strange delightful tingle right before the sweat starts beating on your forehead. Oh it's all back but only for now so you might wanna get them before. They're gone mcdonald's spicy chicken mcnuggets. They're back at participating. Mcdonald's for a limited time support for this podcast comes from progressive. Saving money on your car. Insurance is easy with progressive. It's an average savings of seven hundred ninety six dollars for customers who switch and save in fact. Customers can qualify for an average of six discounts on their auto policy with progressive including discounts. Just for starting a quote online or owning multiple vehicles get your quote online at progressive dot com and see how much you could be saving national average annual car insurance savings by new customer survey who saved with progressive in two thousand nineteen discounts vary and are not available in all states and situations on the farm. Date of surprise me. It was so. Mj was like acting up or someone was speculating that maybe she was acting up a bit to the camera that she was afraid of chickens or doing things. It's just kinda like chasing matt. And then he runs through a barn and he sees piper in doing an interview and she's like oh you're going to hurt my interview and he just like makes out with her. I thought it was kinda steamy. Ooh because i feel like paper is one of those ones who's really looking for some light just like a string to hold onto. Yeah and that really gave gave her one there yeah. I like their street to like. He was so excited to see her. It was like i don't care what these producers like. whatever let's make out. Yeah another like newbie move. I feel like that is refreshing. I think like nick fi all like. Oh there's every happening over there. Go to this camera over here. Get my angles right. So yeah oh. That reminds me that was another. I did hear that. He like sort of like instagram official. But like has a girlfriend. I think so and then hannah brown has also been spotted with tyler. Cameron look alike. Have you seen like the side by side. Easy so yeah. Some re blossoming relationships. I really liked that did that. seems like having fun. He's living it up and leading the women no does like so now we know. Okay hyper of their on. That list Some even other on. That's like they're stringing. These one on one dates out way too far is getting to one on one. Next week i would hope. So hyper and abigail. I think those two i am looking for. Yeah so later on after the group they have kinda there we go to. What must be a restaurant on property. I'm really liking. How it gives that feel. They're like in la going somewhere whatever city they made traveled to so they can really make it. Look like they're going to a new place so they walk in there all dressed up coats on and he made like a little moment outside by the fire for chelsea. What'd you think of that. I really liked it. He really likes chelsea pulled her away right away. He was like and chelsea. Let's go I like that where it's like. Hey he's calling someone. I instead of like the women all punching deciding. I'm gonna be the one that grabs him. So yeah that little thing planned Abigail we saw a lot of her feeling really worried that she's like fading into the background. And i think rightfully worried because it is strange for the first impression rose person to not be like get a date at least three so But she opens up to him about her dad. Walking out on their family seem like when they're really young us devastating like because they are does wasn't that way because it sounded like it was after like just after they got their cochlear implants. Yeah and she opened up about feeling worried that he might worry that their kids could be daf so it's something to be aware of and he really appreciated that she opened up and she does eventually get the date rose and then another interesting development. I feel like because usually we talk about that first one on one date but because the women came in late michelle is like another person that has that same experience. Only have the one on one and she's like oh group dates. What's this like. She was having a hard time. Yeah i it sound like the girls wanted to hear both problem. You just got your one on right away. Walston here sympathetic to it but yeah it makes sense to like just come and you have this great date and then you're like wait a minute. So yeah maybe because breeden seem to be as effective about like okay. Let's see if we can recreate this. Somebody else how do you think michelle is gonna handle it for the rest of how long she's there. I think she'll i think he'll be fine. I think silicon of the find her bearings and beachill and then matt calls m j to talk to her. Because i need to find out. Like i've heard her name a little bit So i wanna find out if she was involved in this so it could've been that he heard about it at the cocktail party before And just decide to like give her a chance later on but it was just like all over the place. She's the one that i'm most surprised about from you. Know we just take our first impressions based off of their bio and their picture. But chris harrison had called her like hype woman so i thought she was going to be like the supportive woman. That's like yeah. Go enjoy your date and kind of just like everyone's bff and like she just like struck me as you know. She's the hair stylist. I thought she was just going to be but yes. She's not taking kindly just any a- saying anything about her to mad that she started the. Jv varsity comment which isn't even that bad. But i found. I found md to be kind of like vicious. Yeah like way too defensive about it and then just like not just not reflecting on anything not admitting to anything just a really intense. Yeah vicious. I think i lead by example. I don't even know what that means. What does she will turn example. She did the classic thing of Later when they get there like weird to on one okay. I'm over this like impromptu monday. By the way to like the producer that came up with this is probably like this is genius. They it is great dafur yet and we don't need this anymore on one nothing but it make it a date card a real date card not meet us an hour before i'm over it. Yeah it very was the same llosa wear day like went on for twenty minutes about how she leaves the example etcetera etcetera right. And then when just say okay. Fine turned to talk. Here's my no no were just trying to right. And then like in her like you picked the wrong woman mess with kind of attitude. And how did you hear my cat scratching. Yeah ok close them out trying to get in the event. Oh i thought maybe if. I left the door slightly open. He's like come in. Lay on my lab in snuggle. But there's event. Can i be in just want to know the hot grass going on on the bachelor trying to us. Yeah so we this lame to one that we'll see later but yeah we don't really see matt talking to just any at all which i thought was interesting so i don't know how much longer we'll be seeing just any a- but what's your prediction for this to on one is he gonna let them both go. Is he gonna pull up. Peter i just feel like just send. You didn't really do anything no she didn't do anything wrong. I'm thinking from that standpoint. Like around for a while. So kit state. She was really excited when she got the kind of emotional actually when she got the date powered like come to my place. she's like. Oh what if. it's cooking. Because i told him that cooking is the thing that my mom. And i have together and she called it like. That's the date that he had planned for her. Yeah wonderful budget time baking. He says he has dessert. I from a looks of his shirt. Kutaragi boards that. He's been putting together scenes that way as well. Like he's got the little debbie's appetizers going on last last night. Do you advocate for that as well in a restaurant. I'm probably not going to order dessert. I what i get subway. Do get the eminem cookies in ate them alongside mice up. Yeah but i do. I do believe. I get to have dessert after every single meal. Me to definitely including breakfast deserve so. That's where the eating dessert. I could be a problem because then i could be like. Oh but i need the dessert after the meal to what it is all southern as mid afternoon desert and then i won't have anything after dinner. Now we have covers. Here's custard like custard fast food places. It's like a hamburger place but then they have. Instead of soft service weren't like little richer i guess have their homemade custard at but if you go through the drive through and you get custard. They'll give you that at the window and then you pull up and wait for your food. So it's like okay. I have to eat this now. Like oh interesting. that's okay eat the custard i. so that's always beat. That one seems to me. Yeah i think mcdonalds would do the same thing you have but they just give you all your food so you have ice cream right away. Yeah so the only thing. I'd say about this though is like something seemed off in like their conversational like seem like heating. Get when she would say something like she said something like he said like what does that look like and she said tonight and he's like no i mean like they didn't quite like conversationally connect like he didn't understand what she was saying A little bit. Maybe that is a little more crunchy with them. And we didn't see a ton with them but they are also like making out on the counter. So he's enter. I forget she's twenty one. I read an interview and she's like a university senior. Wow yeah that's crazy. I mean she talked about being like being in the public eye. So i mean. I had never heard of her. I've heard of her mom would think in those circles. She's definitely in the public eye. So does make sense. I like cooking. It's like the thing that's okay. This is the thing i can have with my mom and nobody else is like trying to get hurt pension. Yeah yeah she definitely seems older. Comes off older and more mature. So i'm like turning around on her. I wasn't sure about her night. One it does seem like she you know she was kind of involved in the bullying but i think she released some kind of apology like and seem like she did a lotta. These women were apologizing after matt like made his announcement but she seemed like more sincere about it. Not sure though. We'll see to be totally sold on her yet But i really like looking at her face. So then we get the date card and says m chania. I need to know the truth. So they have whole lake stage thing of them walking out. I don't even know just both working separately rolling their suitcase and going to like the death master or something and just given the car on either side faced and just kinda yelling at each other. Mainly i'm jay and just saying okay. You lied about it and we'll see how this goes and it's to be continued cookie esa matt in. I don't know i. I think it'll be like it's like a noah bennet like the one who's going to be like more i think energy is going to go and just sunny. I'll stay so again this. These are a little awkward when we don't end on rose ceremony but just seems to be the rhythm of what they're doing Let's get into questions from the audience. So we have we'll herrington where does in what context would calling someone a hobie acceptable to be taken in rank among great one liner my mic. Drop such as. I had sex and jesus still loves me. I do like this. And i liked. That matt was so quick with it and he was serious with it and it kind of caught her off. A cough victoria off guard because i think he was right. It's like okay. We'll tell me the context that you say. I heard it out of context. What's the context. Tell me right. Yeah very quick with it. I think hannah e still have the better line but mackenzie beyond say harms grading. Is the shopping date. Just intended to make other girls jealous. It seems to serve no purpose in terms of furthering their relationship as a couple but they always show the woman coming back with tons of shopping bags with other women women just sitting there having to watch it happen also. Can you imagine a greater nightmare and having to try on clothes for someone. You're just starting to date. Yeah i'd be in the other room. Well choose everything thank you. Yeah the problem is it's like it's not fun really for the guy like we're not seeing like all the waiting time like takes awhile to get some of those ups and then you know making sure i'm sure some of those didn't fit her exactly right and so they didn't show those ones and it's like not a great date activity. I think they did it well on heaters season when it was like a runway thing all the women that had to pick their outfits and then it was like. Oh who's going to win a drama with cana and winning. So i think that works like she got to take home close and you know. I think that's probably the way to do it. Because they're always going to create ways that they give them binoculars in their room so they're always trying to make them jealous. But i don't think we get to see as much of a connection in a because it's not like he's in there like helping her try them on. Sean mikhail is there any possibility that producers realized after proceeding to force matt victoria arose week after week which led to the toxic environment that the mansion became. They maybe should back off a little bit on the manipulation. Let some natural love of form through or will they just revived victoria next week and look like hypocrites for having met forced out anna for at least admitting her faults it will say i am like as much as day probably was involved. All i'm annoyed. Now that victoria's gone it's like okay. Let's be mad at nj. And then she leaves than than who are week then. Who's going to be the new on. Like i don't need villa done zealand's i'm done with it. There's enough like chelsea of like and drama from just like who the front runners are and things like that like. They tried to make nick the villain for just trying to get time so they can do it with other types of other ways we can read through it and say okay this person's not really a villain but yeah we don't need someone just being mean either picket did you guys consider yourself the varsity squad or jv. I think we can both agree that we're gedi. I thought i would say leg is the rest of us. Jv yeah don't say we're bullying anyone else on ups but it's not the main seed like we're you know. We can come on the main feed at certain times. The land inch in yeah. We'll come off the bench. We're not on the bench or playing or nail down our backpacks yet. So we can't be on the -versities flood owner of the jv. We're like smoking the back safe. Like oh wait. We didn't graduate still here. What do you mean. I'm on six years. Seniors just feinberg who had a worse experience the night of group date. Mj because she got labeled an antagonised or the other thing that she was called or rachel because she had to spend an entire day in a hotel only kit to talk to city fair. I feel like you also riverside with kid. Only having rachel to talk to because like they're both alone but i feel like it would be more interesting to talk to yeah. They seemed like they were getting along. So i'm kind of curious. Sekou the the friend groups really are. Yeah they're both not really like that bad like an antagonistic. I don't know. I guess that's worse than coming up with the term. Jv versus versity. Also dahmer tune haley. We need you to comment on matt's chicoutimi report skills. I mean it's hilarious to me that he liked took this joke and now he's running with it this week. I believe it was him right. He had like the actual board itself was a giant cookie. That said learn to your eyes. Close right that's hilarious to me. Yeah ham and like i think every week he's spells lakesha kutaragi like more ridiculously. He's having fun with that a lot. Let them have a nice time. Yeah so then. Let's see if we have any. Don't even really wanna see but we do have draft results so mark talks too much at talks too much leads with one or two but only gained seven points and lost to see. She's holding steady though. She came out really strong. Lost to people mari so lost mari And let's see who else did she have. I think she born to know you had lauren loss. Laura and victoria. Oh toria ana victor. Because you you'd get points from her a satisfying point. Yeah now that. We know that she wasn't just like ridiculous. I mean i didn't lose anybody. Wow i you go. Twenty one points and seventy six points. You lost two people and you're up eighteen points to reach you and i are neck and neck for that second. Second second spot. I don't know if listeners gain much sir twenty five so deadly looks like they're gonna get someone else on their team to previews white car. Drives up toxic ingredient to talk to chris harrison immediately and heather from colton season. Why i'm so bored. Yeah i don't think we need all this. Like all these interruptions. How many people do you think they contacted to say like. Hey do you wanna show up the season. Secure down to heather. I don't i. I'm not even cherry. Did she reach out genius. Are you interested to see like how she kissed anyone else. Is this like. She's going for her second kiss. Or is i never saw heather again. I wouldn't remember. I really is a faculty. Yes so that's where we are adds to get any takes from doug this week. He did have a few all right. Hopefully dexter to join the episodes more now. That like victoria's don hopefully all of us it'll be a warmer experience for all of us involved. He said my first day for the week is just above idea that any hosting you being all this spring characters. Jasper as it for the bachelor. Although i have heard now that might be in jeopardy going to jasper lodge. Why because candidates new rules on c. We'll say he says i've been to the. Jpl dusing disqualifies needs to be contested on this season the bachelorette absolutely doug i feel like there's no better time than the present at application and get it in. Yeah it'd be great if everyone who said mean things that had to admit to getting. Assad rash like anna did a rash so bad i feel things either. Your ass. jess nervous. Yeah definitely attention to it. I would argue a scarf. You'll look at me. What's more believable. That matt purchase any of the guests for rachel or that farmer. Todd is not just an intern. He is an inter. I mean you have farmer. Revives wasn't like hamming it up but he was probably it will probably work on. Hey sean you're from ohio prove yourself. Here's a new definition of privilege. You consider your life to be hard because of the wealth and fame. You have grown up with you then feel. It's tough for you to drop your walls with eligible partners because you're always in punk side so you get your designer mom to pull a few strings and get you on a prime time dating show and then when other people faced a real consequences of bullying. You offer an apology. That sounds like it was delivered by syria with no consequences whatsoever. I mean everybody's going through their own thing but it was a little tough to hear kit say our life was hiding. Everyone say their own things. So right did anyone else notice the half. Pipe ramp aside matt's house. When are we getting a skateboard date. Do you think men tried to pitch produces at having the entire season at woodward camp which is also in pennsylvania. I did notice the half pipe both season. I like What's that xiaomi moves. Is the week where he's like. Well chris. Harrison's playing on my dates now matt was like ok skateboarding and they're like no you kill you almost killed on the. Yeah yeah his skateboarders and he. I guess so. Yeah what doesn't he do. And then looks like tyler is their next week. Didn't look like you fall. He was just like playing with them. Like he's just like crashing on the house again. Your did you think maybe he was never going to be seen. I knew he was reported being seen there. So i have to think that there. They would show him but it was like i would surprise. It wasn't like early on. Yeah what do you think. Do you think he'll come around for a date or is he just going to be in the background hanging with background. I you don't want the girls being like. Can i date right exactly but i think now we see that you know of this buddy buddy pair. I think matt is who i'd go after pressure. Ooh interesting though. I don't know all right. We'll see we'll see what happens next week. But i think that could be interesting though if he did host sedate to kind of like give his impression. Chew and see how the girls are you know. Can they hang. Can they be call. There're can they not ask about g g. yeah last. i'm trying to explore some of the more interesting corners of my wardrobe for mid morning zoo meetings at work. Do you think i could ever pull off. The outfit. Tight hunters racking. Doug i don't see why the heck not yeah or the jacket matt was given to like. I aggressively hated them to going on there. It was like they had the like the waste singer. That drag queens use. It wasn't like it didn't look days. Yeah just strange. I don't know. I don't know what they're going forward with that. I'm glad he didn't have to end up wearing that to the anywhere. All right healy anything else from this episode that we didn't get to anyone giving you a bachelorette vibes anyone who we saw more of no. I'm i'm not yet willing to commit to a bachelorette pick. Yeah there's still like once. I would really like so. It's always nice when there's more than one that you could see. Yes yeah unlike last year when we were like who god who is great who is saying. Yes yes exactly. Yeah so. i'm looking at marias. Top two picks presuring he. I would love either of them. Hail you have chelsea is your top. Pick to use. Who like i'd like breeze cerita kayla. Let's get her back eliminated l. C. abigail megi lay out to be a fun season. He really fun. let's get a leash. Aback professional ballet dancer. Let's hear back. Yeah exactly missile. If they don't end up together. I don't know i feel like there's there's a lot of options here definitely. Let's hear me. Oh size leads. Hey we're still in quarantine so let's have five leaves and and instead of like five people coming late let surprise the men but i know we didn't like it when it was caitlyn and that was only because one of them was going home at the end like all the power was in the guy's hand if got a whole season if caitlyn brent. I'm fine maybe. I'm just looking back on that with Revisionist history might be more. Okay with it. Yeah i think socio. While healy where can people find you. Have you had any other appearances lately. That people should check and last week. But i think this week i think i'm doing the jordan kayla's show twist the competition. I thought he had a new talk. Show for a minute there. Maybe maybe he can look into Maybe i'm being pumped up about it. I don't know what else i think matla. Gory and brian scally and a standard for colin are gonna record something on friday about the challenge we want. Oh jeez cast. And then. I think next week. I'm gonna be on curse mckenna's livestream on thursday about dating. Ooh so some sun was really fun. I heard rumors that you are going to be on another podcast. This week i am. I'm going to be on the lab. The movie ladder. Podcast with zach brooks and gonna be recording also to podcasts. Sweet watt yes. Each and i are going to be recording about married for excited. Yes so exciting. I'm like can't wait to listen to those. Yeah i can't wait to figure out out watts. This is a lot of stress. I'm thinking i know the homework. Having to watch him the into all this is like classing me up a little too much like watch like a classic movie like a top one hundred list. What but because it's a romantic comedy. I said okay. I can do it. Yeah so and maybe also just. Maybe i'll suggest another round calm. Maybe they'll speak another come next week and then i'll say hey give haleakala. Because he i will say is active. Give me a call and say hey. Do you want to do this. And i said check with me later right. And he checked tommy later and he. And i said i'm not watching a movie before wednesday. My friend yup. I'm movie averse. I know i know so. I'm going to think about my suggestions. Because i know the only types that might get you to do it so yeah it preferably one. I've seen before. July plan animal crossing crossing the movie l. in the movie. What a great time. How would be Your screenplay yes so yes. Stay tuned for that everybody. The movie letter podcast And then sometime this week on their feed. We'll have a at for site check in on how seasons are going so far. Everyone actually got married. So they've gone that far again. I'm so excited. Listen to this podcast and then decide if you want to send that ain't gonna get no. I'm probably gonna be like yeah. I'm gonna watch it and get addicted. I don't i don't have like a middle ground. I only happened on and off switch. We started superstore like a week or two ago. We've got we're on season three. Yeah where i'm like. I'm just not gonna start yet. Because i know like i don't want like i can't commit to that right now. Yeah so tendency to just barrel who things. But i've started like a list in my phone. That's why like when we share like. Here's some things to watch because i get them eventually or i'm like okay. I'm in the mood to start something new. And i feel like i have this thing to kind of keep me where i'm not going to get to that place of last march or april and everything was horrible. What am i gonna do figured out like okay. I always have a list of something i can go to. That will be people. Say as good or you know so yeah or that. There's podcast waiting for me about it. You can always check it out but yeah so what. Have you been watching lately or have you. Has it just been crossing. Yes so super. Superstar have been playing a lot of animal crossing. There's a couple of seasons of america's next top model on american net flicks. There's just something about america's top model. I cannot stop watching it. And have you watched these seasons before and you just go back to them or ones. I have not only seems to be chew. seasons on. Netflix had not watched either of them. Mice fixing show like power through. I like you can like the visual thing to judge against. Plus all the drama. It's that was my favorite. No wonder at such bad self-esteem. Because i watched america's next top model canada's next top model australia's next time next time model. That was a heyday of all. This hedy shows being on youtube without like the coffee. Right claims right. Yeah and then it's like okay. You're gorgeous but we have to give you a makeover shit makeovers i just. I can't stop watching that show. What else do we watch. Just like the usual british panel show circuit is watch you know. Oh oh. I did watch Five episodes of the new season of drag race yesterday on ice so mall cut up on that. The cast is great. I have been keeping up with drag race. Uk that's a thrill for me. I love in english accent. Yeah nice. I've been watching the hostile. I'm still into that and rob and taryn did a podcast about it. So that's fun And it's kind of like that. Who done it kind of but a trivia thing and then watching the masks but kind of just fast forward. And i just wanna know like who is in the mass at the end but then of course listening to whenever puja liana about as well the kind of doing little check ins here too. I heard that. Elizabeth spar was one of the mass danseuse. What stock. I know crazy crazy. I hope she's doing well man. Yeah i mean that was that was intense to like. See that like okay. Felt a little exploitive. Hope she wa- she made the choice. You want something fun. Yeah i was listening to weekly. They were talking about that. And i guess they called her and she thought that they may a mistake and accidentally called her. Instant of calling jillian huff. 'cause there's only three people in utah who now it's a different blonde that you maybe wanted interesting. Yeah the all these clues like the white house and stuff. At first i was like i was convinced was monica lewinsky in that kind of made more sense to me because i had a scandal and like i mean it seemed like it seemed like a scandal. Like well yeah. It was like. I guess it was headlines. But it's like. I just want to think about it in that way. Yeah yeah Others and then they had. Brian mcknight like someone that they always guess on masked singer but so he was like well. I didn't want to be like obviously guest on the dance instead. Well it's an interesting way to go about it. Because i don't like when they're obvious and then they have the guy from jersey. Shore vinnie vinnie. Yeah he's my shockers. Yeah he was fun. It was a fun. Hammerhead shark god. Yeah so it's so weird. Seems like a fake show. Mass bachelor mets. Mr personality isn't it was done before and hosted by monica lewinsky. So it all monica lewinsky. H- haley. well where can people find you on social media. You can find me on twitter and instagram h strong underscore and you can find me on twitter at rit. Recap thinks everybody.