20 Episode results for "CLO"
16: The Jackal and the Crow
"From stories about animals and birds. Your details of kings and Queens. Let, your child. Listen to them on while gutter. The podcast that not only entertains, but also educates your child. The crew and the GIA call. Once across saw an old common eating some bread. The clue was very hungry. When someone was looking away. Cloak quickly snatched a piece of bread and flew away with it. The. Hungry Clo- flew to a tree in the woods nearby and sat down to eat this piece of bread. Thin. Ju Call came up from behind. Goal saw the crew sitting on the tree with the piece of bread in. The Jacuzzi. All was fatty cunning. And Greedy! He wanted to have the bread. The cunning Jakob all wanted to take away the bread from the crew so he could eat it. He taught fast and came up with a plan. He went over to the crow and started praising her. Want. To the woods. Never seen another pretty bud as you. At first the crew ignored the call. She knew that Jacoby was a cunning animal. But. Did you call did not give up? He breezed her even more. Your feathers brightly colored. You also have that. Beauty. After a while. The cruel, begin to feel flattered. She had never heard so many nice things being said about her. She even start believing the. Woods. That you call said. Sure about, ask priority as you can sing well to. The cruel listen to the calls woods of flattery. And started to believe that she could sing. and. She decided to sing. Stash. She opened Har- be. To Sing Read fans from her beak only to be snapped by the cunning to call. It was only then. that the poor cruel realized that she had been tricked by the Cunning Jacome. As, she looked helplessly. The Jacome Marta. And went away with a piece of bread. The Crow taught. Lows? If only I should not be carried. We by flattery. So what is the moral of the story? Flattery is the weapon of the cunning. Not Be carried away by flattery. Did you today's episode? If so we would love to hear your feedback. You could leave a review on your favorite podcasting oversight all visit. Bonn gotTA. Dot, com slash review they. You can leave us a message in or do video optics.
"Pinner hoping not to me. Take me already excited with a bland. If we turn back now we can still make a Chicago. She called me are not going to Chicago. Scott was not on the schedule and we are sticking to the schedule no matter what things are more important than the schedule nothing. Nothing is more important than the schedule going. No I broke your gets the handle anything it can make it through this losing our reach land. Y find some place but it just depends giant clouds piper. Police have to concentrate aren't giant cloud their mountain in Doc And a jolly good evening to you all tonight. My very special guest is none other than the head of the North Pole. Council Clementine Clo- the Chief of letters herself. Call me chief right chief. Now that the check it twice mission is on its way. It seemed like a good time to get your thoughts. I have every confidence offense and Piper and money. What about her? There seemed to be rumblings about her lack of experience. Her Work Habits. I'll be honest. Jolly Manny selection. Came as a surprise to me too but she cares about the kids who write letters and she has a good heart. The we've lost contact with the tracking system in Piper and many slaves somewhere over Canada. Excuse me I have to Jake with Piper. What did we make it? Is Everything hurt. And where are we. Let me put it this way. Don't look why not hyper. We're clip tip. I believe I can already take off and land somewhere flat. Did you hear that sound. I don't care anything exactly the RDX won't start must've been damaged on impact but we can fix it right. We can help. I'm a fast learner. Like you learn to disengage. The autopilot autopilot. Well yes and look where goddess sit still screen. Only one Hemi the toolbox. I see I can help out. Tools now found it. Can I ask Excu a question do you. What do you mean? Do I like Christmas Christmas. Oh I know your mission you like you mentioned you like schedules but didn't like Christmas. Of course it's all ever think about how to make Christmas even more Christmasy. How Christmas be more more Christmasy? I've got big plans the RDX in the letter scanner or just the stardom. I WanNa make everything faster more. Chris better you know just like bring back Naughty Nice I guess you guess no. I don't know like all the kids who must live in those little towns. We flew over in Canada. Maybe you oh great. Looks like the coordinates have been wiped out of the SPS. Wait it. I got it I enter it from the list poooest. What about? It did the basket damaged in the flight. No no the box in the box and looks fine. It's just the crash. must've knocked it open manny. Where's the list Piper? Try to stay. Here is the list. The list is gone. uh-huh
Ask The CLO 08/20/20
"Sometimes food is more than just food. It's part of our community. So this year discover is giving five million dollars to support black owned restaurants to places like back in the day bakery post office pies, and hundreds more learn how you can show your support at discover dot com. Extending. X. By is more than just fast. It's Internet that gives you peace of mind security because if it's connected. It's protected. Even. Your robot back you. Can Your Internet? Do that learn more at xfinity dot com slash by? Time now for asked the. You can go to Steve. Harvey. FM Dot. com. To submit your question for the chief love officer now Ceelo Clo- is time he calls you this one is firmly she's an online listener Lee says, I'm in my mid twenties and this question is to the men basically I've said standards for what I wanted man but my last boyfriend left me because he had standards to and I did not measure up. He was serious about me cooking for him weekly or having food at my house when he visited I don't Cook or have a desire to. I. Told Him that he's not entitled to Cook Meal, for me because he's not my husband he said I should at least try to act like I am wife material and Cook we disagreed and broke up how important is cooking to a man in a relationship. Well I mean. You have every right young lady to have you'll. Scandals. And you got him. But this young man has every right to have his standards. And if he wants a woman who can cook and you can't cook, then you ain't it what was, what's what's what's The matter with dad? If around. Yeah. Don't worry man that can drive and drives A. Car and and he don't have a car yet you. You'll not see him. If he were her husband she would could. Cook form because he's not my husband. Because, he got to know what he getting into hello. Hello. I don't think she should. If she you okay. Hold on hold up. So you. Dayton and you tell me your car broke down and I won't help you get the coffee. You Ain't my wife. I, know mechanic. Well. I'm just saying I don't think drop your own damn transmission. For sure. This. Man at all hell new chilly chill don't toe. named. Shirley. No tell me I would. All right. This is repaired in Philly CEELO. Terence's I'm forty eight years old and I'm married to a jealous hearted crazy woman that likes to hit me. She gets mad about the few times cheated years ago, and then she starts throwing stuff at me or she'll punch me when I least expected I don't think of it as abuse because it's my fault. But I'm sick of for hauling up punching me whenever she has a flashback she claims she has forgiven me but I can't tell we've been together for seventeen years and I haven't cheated in the past eight years will she ever get over this rally nuts? They got. That's dog that's not cool at all. You know even though he did say he cheetahs several times. But he's been good for the past eight years they've been married for made him. Nine but here's the deal though. If you are going to stay. Married. I wouldn't stay in relationships. Right. So, every time you think about it, you hit demand. Okay. He did what he did. He ask forgiveness he straightened up now. Have you WANNA keep punishing fort. I'm not going to sit there and let you keep punishing me for the same crime. Absolutely you came back. You guys have got to move on from this. Because I'M NOT GONNA stand here and you you just hit no me whenever you want to I'm I'm GonNa tell you right now we get a divorce. What's the point hit? We not go into counseling. My one right. This ain't, counseling. I don't need that kind of help I need help finding me another place. I don't need a council I need a real estate. The, the abuse physical abuse is not good I. Don't think women should hit men and definitely men shouldn't hit women. Their physical might their strength you know? This is wrong. All the way around right FRANKEN AUGUSTA CEELO says Steve I need your help brother. I met a beautiful sisters six months ago and we spent time together during the quarantine. I'm really feeling her and the sex is great. My only problem is how looks around the house? She has her natural hair and it's beautiful but she wears super long eyelashes and a ton of makeup withdrawn on eyebrows and eye shadow for days. I've never seen her in her natural state. I'm afraid to ask her if this is how new age dating is I'm fifty one and I wanna see the real thing. Sure you WANNA sell your show. You, you was afraid of something. I'm afraid to ask her of this is how new age dating is he might be afraid to show you. Now. With that BSA, at Bro. Why don't you just sit down and go baby look I think you beautiful the way you off. You don't have to do all this for me. You know you can say that but. When he met her, she had on makeup and lashes in. A yeah. I know Bro Preliminary some. Don't push this. You. Don't opd Miss Canada want you might not be able to. If she went in net doing cove it manfully you've know. When he said harsh, she had on makeup. I go have a problem with this man won't see her and I don't WanNa I. Don't have a problem with hope when makeup. You got a problem with a makeup brush. You'll like we're minute wear makeup. Then you start see somebody else right now he wants her she take it off though you might be able to see somebody else. Anyway. You don't see somebody somebody else under the. Same person she just visit here somebody else under when he met her she wore makeup and that was fine. Yes he's never seen without. I would just live with that doll. You know what is the big take women like to get up and make them Some women like that. Yeah, definitely not. You don't. Money and put some. Refresh. Cycle. We hadn't something coast. Or just waiting here. got. To Go CEELO, before we've not off, you won't be set my iphone for you. Coming up next and Tommy run that brings back right after this. You're listening to. Morning. Show.
Third Monday of August Show Intro
"Did you know GEICO's now offering an extra fifteen percent credit on car and motorcycle policies. That's fifteen percent on top of what Geico could already save you. So what are you waiting for your teenager to help around the house? Okay, mom I empty the dishwasher vacuum, the basement and folded the sheets out of the dryer what Oh and next I'm clean Mittens litterbox in some kind of prank show or something that's a camera is an there's never been a better time to switch to geico save an extra fifteen percent when you switch by October seventh limitations apply visit GEICO DOT COM for details. Ladies and gentlemen. Let me have undivided attention. What I'm about to do now is unplanned unrehearsed. Have given it no prior thought I don't do. So out whatever I'll do I only know what it is. You don't know be Biden's. You Noble. Noble know who me? No. You don't know. By. Off. You. Know Me. All we. All Guy. Ought. Surely. Stall. Earnings. Call Four. Did you call, Malone. Born named junior. Next, owned old as. Javan. Food. Somebody Domo. That all are being you. Few term. Knees E he. Time thinking on. Indigo. I just you know I told you it was unrehearsed unthought of eight worked it out A. Do. We know what I'd be. Like Donald. Even know what it is a deed. Lord I. Thank you. I'm gay. Weekend is over. Actually I'm actually having weekends again. Back work full-time family feud. To Cova test or week. Everybody that comes on that lot on that stage has to be Cova tested twice a week has to test negative and get a different color ban every day you get your temperature check, you can't even come into studio they not playing family feud, all the families tested all the families have to wear masks to game time. Podium is eight feet away from all contested and instead of going from side to side I stand in the middle in a gray area and talk to the contest from. Social distancing where we turn around to play fast money I. Don't touch people to mount him. See I'm eight feet away from. His. Breakfast. Donald Trump or. Call. All right. Coming up at thirty two minutes after the hour get ready it is that time you know what time it is asked the C. L O Steve's favorite segment the chief love officer Clo and Tommy calls it. We'll get into that right after this get ready Steve Harvey Stay Ready. You're listening to. Morning Show.
TPC: Listener Question Time: What Effect Would The Four Day Working Week Have On The Environment?
"Allow people's countryside. Environmental debate podcast. Thanks so much being with us. We really appreciate every. Listen we get My name is william clo- my co host is a ways. Is the mazing wonderful. Oh just shoot while. I'm on the phone recordings over. The phone is Were in second. English lockdown Early days isn't it. It's like with day to day to you too dirty two or we don't we don't know how long is this going to last in the second of december is what we're all probably fake right now but i remember having a conversation. How the last the last diet last evening of lockdown on this day we went to a local restaurant Our the name. Because i cannot sponsored by this restaurant but anyway he he was His thinking was that this lockdown going to last february next year that was what he was thinking But that was you know we don't know how long it's gonna last. Do we say right. Now we're at the start of it all in it together. We are in different boats. But we're on the same water as you said in the pasture. And richie sunai the chancellor's actually fairly scheme to march. Yes i wonder why If rush into december the second two thousand and twenty. We're not the only one saying this. I don the boris johnson is said the he probably won't get permission to extend it but I let's just see how this this this situation pans out and we got a question listening to question. Today william we said last time It was some listener. Shillingford's say that it's from mossy. A question you've been to schilling foot. Before william i happen to shillings would for four. Yeah i actually There's the there's a write in south walks business There's a i remember. There's a hotel right by the river. Anita hotel they've got a swimming pool. I went swimming their once and I decided to Jump off the bridge into the river. It's not a good thing to do a bright thing to do. Because it's you'd never know what under the water there. So i i wouldn't i would not do not do they scenario news. See any circumstances. I didn't the once. And i was like because i could see people doing it several times and i was like that must be in so i jumped off once and i was like. Oh well. it's just basically jumping off a bridge. She's not like so. I didn't do it again. I think the hotel called the kingfisher or something. Yeah yeah that sounds about right to me. okay so massey's question from schilling foot in oxfordshire her question. Is richie soon neck. The chancellor in the uk talked about a four day working week. What benefits would have on the environment families on life as we know it okay. The environment what benefit were the four day working week on the environment. But i was going to say that. Anecdotally i can talk about Sort of a four-day working week in some respects a my wife does thought already. She does three and a half days a week and we were talking about this this morning. Actually in how it she sees was the perfect work life balance there. We don't like talk about where life balance too much because of course and balances what it is right. You don't get balancing. Life is life is just what is there are there the positivity positive sides of aspects of a four day work and we would be longer weekends less well less work leading to less stress leading to more people going out and actually enjoy nature and then wanting to protect it. That's maybe the way of looking at it. Maybe we'll all remember ford. I three day working weeks in nineteen seventy s lives lost stress around then the punk. The punk scene music scene appeared out of that and i did see many punks walking around the country so it is very true. Yeah but we're living different. We are living in different times now. Though out me and the reason the reason for a four day workweek week is due to covid whereas the the three work and was due to bad management. Financial management bo-bottle governor. Say there are different situations. I don't think you can analogize those. Compare those situations to each other but the that's always going to affect us as long but what about the environment. What impact would four-day day working week on the environment etiquette question because really any. I don't know if it will have. Any effect could even have a naked some some ways negative effects. It depends on people's habits. Say if we look at the one of the biggest causes all pollution. Let's say climate crisis because so many people will be triggered by that but pollution is through the production of energy. Say if we are at work more often we're probably more might be more energy efficient because potentially the the businesses want to be more energy. So there'd be a lot more careful about how the how power is being used in their businesses potentially whereas when you're a high you might be a little bit more frivolous in some respects. Say if you will be an online a lot more you might be watching a lot more especially this time of year. Because it's documents evenings gets documented here in the uk. Especially you might be at home more often. You might be using the heating more often. You might be losing a lot more electricity. The oven no more often. I'm speaking from my own perspective. And the thing is the covid lockdown The yeah that might have had some impact on the fact that we were producing as much police pollutants when we would troubling less but four day working week. The why Massey's asking this. She's separating out from cave and it's just the four day working week. Would that have an impact on the environment. I don't think it would make a difference on on on it. Because even in our leisure time we travel and then allegedly can she even more in a because. If you're in office moving. Bits of paper around emotional actually be cons- producing much much rubbish. But if you. I mean legend john. You're eating more you buy more packaging. You buy more stuff online on afford. I work in week. Necessarily i is positive or negative. It's just So some in some ways. It's relevant to the environment. Because it's what you do on these days off. Yeah that's that's the one. I went through that time earlier. That was a very idealized timeline. That when we are home we want to spend more time outside. That's kind of what i'm saying. Maybe that's an action to think about. If you've got the free time that you've got why don't you spend more of outside the e mentioned in the in the episodes ago the letter was w for weather and he said wherever wherever the is outside go out doesn't matter what the weather's like. Just go out and enjoy nature. Say maybe that's an action straightaway. Right if he's writing pretty broadly up. Any other part of Massive question news. How will families be Affected what benefits would have On family or negatives on family life if we had four day working week while join covid lockdown people. Were pulling each other's hair out. Because i was spending time with each other the previous. They're moaning. They weren't spending enough time when each other. So i actually think the ban the biggest impact Before they work in we wouldn't ascend to be on the environment wouldn't necessarily be on daily life but it'd be on the fact that we're spending more time with different people i heard. Somebody compare compare lockdown to extended christmas aspects certain members of the family. That you just don't want to spend time with then you're forced to semi controversial about christmas. We don't know if this lockdown is going to end before christmas they say it will but the interesting thing is Every year. I hear people say god psycho just want to get christmas out the white because i have to spend time relatives. La can't stand him. Now there's an opportunity for people Not to have. Christmas spent telling me days people they don't Get on with that moaning. Slow Slow irony that she also toured. I'm not gonna comment on the value of christmas. The value family. I'm just coming in on the people who are moaning to me about. Christmas isn't gonna happen often. The same people may have to spend time with the relatives. I don't like the so all eat food at like or spend more money on presence than they want to. It's like well you still you still have the. Can you still have some control here. You're talking about somebody who who will complain about anything At ten this grab your person. Say it's too hot in the summer too cold in the winter right but i also think that a lot because i don't really have a family really You know mainly gone biology. Notice that I lost families of dodgy young coup that comes along at christmas So we'll see. Why would i want to spend time with. 'cause every family have go. I think what is called uncle. Nope had i think is the every everybody's got one. I'm not going to say mine is because you know we're recording hearsay. Yeah my mom's family. Were fuller knob beds. I should've i should've changed the surname. Right should we. Should we just wrap up the question. Say if you're listening. The norad clan. Happy christmas at me anyway. So we wrap this up. Yeah i think so. Just repeat the question again. Say listens can hear it again. Richie soon talked about four day working week. What benefits would that have on the environment families and life as we know it. We don't think as a huge benefit only environment necessarily families yes and life as we know it somewhere in the middle. Yeah i was gonna say as to. It was saying that question. How did you feel about that question. You know when you get in touch with us in let us know what you what your answer would be. I'm always on the lookout for your questions as well. It takes a while to get round to them because we are. We are being very democratic with the questions. We could quite easily. Just go pick and choose and cherry pick the questions. We want to answer but we want to challenge ourselves. We want to be what we want to challenge with every single question. We want to answer every question that has sent into us biggest challenge. We got without question. It was set boy mass even schilling food with an action or action. We give ourselves an listeners. I would i would say my action would be straight away. That were in lockdown. You might not get on with your family that well but what you try and find the root cause of that re that that friction and in spend more time actually eating together you know. Get around the table you might not even talk to each other but to just to be around the table and eat food together as great communal activity and do on a more regular basis and he might find that you actually less might not like each other more but you might be able to live in the space better more and if you are around the tiber community eat with your mouth closed. We don't want to see what you read anyway. we're gonna leave you with a letter where join explain this letter thing. We resurrected william. Yes let's we actually joined the last lockdown. We were doing a letter of taking a letter of the alphabet. Stir was taken was was criminal with the word to do with related but nature. And i was taking a letter word that was related to photography. Now this originally comes from our workshops that we do together we actually do alphabet workshops. Where we we go to walk type things guy walking local area. We did one in france parker in oxford very recently away. Recently this year and it we would actually go through the alphabet. Leeann every single were letter will come up with a word. We normally take them. Alternatively don't be the workshops but this one we the word to inspire you to go out and do do something and to the letter today. The nets today is the letter. Why say you wanna go a letter k. W. you a bit more time to work out what you're gonna say relatively new your planned Okay the william always hold onto my coat tails and piggybacks. Anyway let me you being nothing exactly anyway. The letter is why the word is yellow for me. Nature charn spot. How many yellows you can see out in nature. Go for a walk. Look out your window. Even if you can't see you you're stuck in a flat and you can't get out you know you can still see the sky is just see if you can see anything yellow. They're just focus shimon a little bit. We're told year while we're talking about in the northern hemisphere here aren't me as long. There is yellow around at the moment. yes they mine. My my word for the letter y is yours. Say make that. Make the photographs. You take your photos. Try to try to aim for your own style. You know you probably actually have your own stalin. Even if even if you feel that your you'll technique is not the best. I can help you with that. But the if your technique is not the best you take these sort of quirky photographs of different angles and stuff like that. That is your style you know. Don't freighters to to create your own style de have to go with the flow be bill or rebellious with your graphs and do what you want. Today make him make it yours. So that's why and on now it's called it's autumn heading into winter soon on os code and i've just said go out for a walk in to transport swimming yellow. Just go out in the cold and some yellow. Dc did that. now i didn't i. I a co pay co play fab. All right yeah. of course. yeah you got to explain it. It's not funny. No no it's not. I'm sure that it kind on a little bit of a downer on this podcast. And with william doesn't like coldplay. But i think there's like god's gift anyway god yes well that's entirely. Thanks very much for listening to this episode. You can get in touch with this by emailing us. What's email the email address. William is memorial is mark lane. Eat issue the south. Well done well done. So that's a marcus. Wrigley light so we've got to listen to. He also does cost messages to humanity. Just give him a shout-out. Hello you're listening. Yeah the hell that was email back was the address is the people's countryside at gmo dot com. So you can send now if you like all whatever you liked to send the send us. Throw into insoles us. I'm sure you would. Marcus send us a question with risks to debate. Yeah specifically will ask marcus right now just to send the question. Be interesting to see what you come up with. You can also find us on all the social media channels facebook and the an instagram as the people's countryside conscious. I tv on twitter. And yes we look forward to record another episode in the future and the next episode. Let me just look the next one on. The polio is going to be from good dolled. Somebody schilling foot. I think not schilling. We've done uh oh. Don't let it out frank from shrivenham. That's near the other place where they have six where the pig lives on a hill right. If you from swindon you know what we're talking about. I speak you say thanks very much.
Beto Calls It Quits
"If you like the Young Turks podcast I think you'll love a lot of the podcasts on the it network old school drop. Elizabeth Warren is out with our Medicare for all plan and then people are reacting or Joe Biden reaction and so that has been the big big mystery for the mainstream media was bay where trump Rudy Giuliani fun for everybody okay so lots and lots of show for you ben is out it's done he's up of things and acting decisively in that spirit I am announcing that my service of the country will not I see something high I get onto something but anyway he's been in this like six million dollars in the first forty eight hours and then I read a stat was what was it like the Washington Post maybe they mean hours no no it's definitely possible yeah yeah clearly defined buckets Biden Clo- are more conserved Democrats they say me Sanders Elizabeth Warren very those are very clear ends of the spectrum right and now this end of the spectrum that could have gone either way in the beginning of the campaign right they got in the progressive that's a small when you compare the twenty seven people that were in this race at different times Beto I have in the camp of well intentioned none of the rest of the media will talk about now that was absolutely decisive so at the beginning Organiz the volunteers and staffers to go out on knock on doors make phone calls they broke so he had it and that's why he raised the six million right in the beginning people in the beginning he is running as seems like not really Medicare for all and I was like Oh no John with Ted Cruz came back and was like these for Medicare for all right then an-and it's like he seems like he's leaning away from progressives now and I think that that was a critical says better you've got this you're the next Bobby Kennedy we're going to win this is so exciting so so he's like Oh bummer staffers that was legendary left Zach mallets Becky Bonn and all the people that Work Aso's people who believe in those Obama staffers now how did that work out for you yeah I and rhetoric was not an Obama and the staffers were young services that this Obama world had explored and again we've seen like the connection in this moment that's one thing and to it's interesting to me when candidates can't he got really close I didn't understand why people saw him as a frontline right he didn't really have any solutions for us besides the fact that he double down on other Democrats would not but there wasn't something spectacularly special about I just told them for the day and so there was a lane that he could've used to win if he came both those candidates are in their seventies and could then he sticks with his organizing team and then he would was Obama staffers. Yeah you know the idea that Obama's more charismatic I I charisma those are the two leaders Senate they can never unprecedented I don't WanNa give like run Mehta's side on this okay you have to have it but I think it's definitely reading saying that necessarily gets you all the way but it certainly counts for something and the confession speech that better win in the Senate but I want him somewhere on my team so look I don I don't WanNa get and so all the people that are focusing all the wrong reasons if they keep missing lifetime the voters care about policy they deeply deeply oppose standard milk toasts moderate to conservative policies and people like especially early on as you pointed out he didn't have a really strong identity since they decided to come in and like the first national introduction that a lot of people had was this vanity thing why you should be president and you you seem so sure of yourself that's a weird combination remember six months ago I'm talking about guns it seems like he talked about it and it did well and so he'd double down and I'm not saying he's like trump but trump does this talks about everything he sees gets applause did right he he's pretty good on their environment he was very good in challenging Donald Trump's doubling down on guns yes John could be right that he saw moment there especially with what happened cost selections and how dare you and he's like that's like your opinion man but this stuff's getting people killed it's okay so you have to give him credit for that but more even more important that he took no corporate pack money so there were some loophole issues at center but guys he led on that when no one else the the light side right force of good we'll have to see what he does now yeah I'm really good policies but he got wooed and and Seduce case fatal mistake and that he could go back to being a progressive and so in and if given the right leadership and guidance I think he comes back and plays percents from Buddha J. Show like I'm authentic and I've got some good instincts in some bad instincts and the war and took the progressive thing that I was planning to do but oh well I guess that's relates the judge and so anyway of course he wasn't going to win this is the right decision right now they're running even though they know they're not going to be president okay why don't we move onto another and what exactly it will look like and that is because Medicare for all is a at least proposal about our plan it's not the actual legislation but she does have a post it's like twenty really how much medicare for all is it. Well she says under my plan Medicare for all we'll cover the version that that Bernie has put out then is substantive Medicare for all that actually it is before we get into the financing and everything it is substantive healthcare yes that she was going to listen to advisers Oh gotta get closer to the Democratic Party and everything's she was at had at least some voices counseling her in that direction she didn't are we get all the benefits that John talked about and we would save money now Oh you know John mentioned some downsides I'm not even sure I see the downsides and this was so smart because now in the debates she can do and I agree this is Medicare for all but and say read the plan I put it out there and if you didn't do your job journalists to read he starts with is such a great story about her father and his heart attack and how that interrogate what is happening in this industry and how can we radically change it and you know the reason see for middle class folks she's closely with the Roosevelt Institute which is a think tank expect how detailed and how she was going to answer her critics in a powerful okay yeah and so I'm going to jump into how she's going to pay for I will say so who it is that is pushing for is going to be really important perhaps the most important to some people and I have much more faith in Bernie Sanders to have the the organizing ability is to say well it's really easy to write anything in a proposal counter by saying I've looked at a lot of the people in the democratic it'd be paid for the first option is the current system which costs like fifty two trillion dollars over apps for a number of reasons we'll get into she goes on to say the eleven trillion dollars in household insurance and out operations and the richest one percent of Americans and by cracking down on tax evasion and fraud not one appar get ready to ask that question million times but anyway so what does that actually mean she made references billion dollars then she adds stem risk fee on financial institutions with more than fifty billion ex- on foreign earnings her wealth tax now changes as a part all income and doing so on an annual basis rather than just when a sale is made to raise two a trillion dollars there's a little bit more which we'll get into but what I like about the financing is goals to finance that like
Robyn Annear and Christos Tsiolkas
"This is a three CR podcast and this is published or not. I'm going to start with my own story IDA garage sale in January. I found a course. It it was boned lacey. And in all Toba I had great delight in seeing get worn on stage as a costume by a bar girl in missile gone. I do like a garage sale. So what has the the story got to do with my order today. Well welcome Robin. Just use share an interest in secondhand clothes. Oh Yeah Secondhand. Anything and you'll book. Your book has the title nothing new and the subtitle a history streep secondhand right. Sartre secondhand means different things to different people. We get what yes sure it. Does I mean to to make you know it It it likes me up but Lots of people. It's anathema some such a stigma associated with it for many people either because of their own unexperienced when younger of having to rely on second hand and new not being a possibility for them. Or if they're the concept people who don't like dust and and and and germs Yep It seems to be something that they not comfortable with. So does am between those two. Those two polls is a fast spectrum. I always think we've got five op shops in the town. I live in but I always think of them. As you know. Two thousand shops they represent a different thing to every every person who walks in the door. They they kind of antenna achieved to something different every single person. And you just watch what people make a beeline for what they bring up to Canada. Because I work in the shop occasionally and it's just you know people look for in fine completely and use in different ways things that I just would never have off. AWW Book starts with the history of clause and I was surprised just how difficult it was for people to get close now. This is it kind of like a three hundred four hundred years ago. That truly difficult. Yeah there was a limited pool of stuff when you consider. Everything had to be handmade and the cost. That would've entitled other in time or getting tries person to do that. You can imagine why for most people Close what secondhand. Naturally the second hand the Dow might have been the second third fourth honor of that particular couch or whatever that had been either handed down class Walleyes and sold down or had been the Dan and remade for successive sizes of person from a woman's full-size dress and as it went under the uh-huh and so on It would be down to To suit a smaller person so yeah. Secondhand was the natural way of things when there was a limited pool of stuff it didn't own many close the not and so there was a business dealing in close off huge business so by by the nineteenth century secondhand clothes was a was a vast business. You look at somewhere like London and they had. The son had a stock exchange and a fruit and vegetable exchange an only a call exchange for these big commodities. There was a second hand Exchange as well where people the people basically the Reagan bind men but that will call L. climbing. Who would go crying illustrates Clo Clo? Wanting to buy your own club. I would bring back there of an afternoon. I bring back there banshee and sell it from an old clothes exchange they will. They were occupations that I've never heard of a club era by and the translator. That's right and h those each of those three branches of the the remaking and re purposing try that came out of the exchange would be either Mending as they were or remaking or the Club era was That was sort of illogic. Guile overhaul on cluber and love clobbering win onto she. Someone asked me the other night actually where the Australian Word Club for closed could have come from the clobber Elbruz. And I never thought of that. But I guess whom yeah maybe and even when close couldn't be one anymore. What will ray rags useful? All all those. Yeah the RAG man so Principally pipe cotton the cotton wool and silk. So cotton was mainly collected to Mike pipe before Piper was remade as paper before technology existed wall was shredded up to my new Wilson was shredded up by these big two machines call devils cried alone. Dust called devil's us. which would be used to make flock wallpaper as well as to line? The lungs of the work is work plans but that the would be ground up and mixed with a small amount of new woollen fi but to make cheaper quality wall which was very cheap purpose made clothing lots of people flocked to it and it was called shoddy and hints. That's where the words Sean he came. I'm from gives away the quality of the clothing. The the guys who had the uniforms shotty during the American civil war used to say that they would melt during A Jury Sheriff Ryan that would just return to the pulp whence they came so that was those an silk couldn't really be re remind. There was no way of recycling that fabric for anything apart from They use it a bit in not to make decorations on handkerchiefs. And things like this. But that's why at a costume collections and green costume collections. So full of grand so frocks because those were the things survived. Everything else was kind of shredded and pulped and ended up when all other use was Was Gone ended up his manure on the Broccoli fields or Some other sort of berries loved they called hold land rigs and the rags would end up there and be distributed across the fields. Now I'm GonNa get Robin near to read a little bit from one of her books from her book. This is nothing new because I. This was a bit of history that I didn't know and this is once again to do with all close. Okay it's from fifteen called mending versus ending in Paris Chris. During the First World War the British army had vast salvage depot served by a railway siding into which would roll wagonloads of soiled blood stained signed and tattered uniforms at the depot. Hundreds of French civilians most of them women were employed in sort sorting cleaning disinfecting and repairing the uniforms sending sending as many as possible back to the Max sudden soldiers at the front Uniforms arriving the depot side blood-stained or shredded. This to be passed repair was shipped off his rags to the shoddy mill. Still running Jews bring the elites in England the rest would be returned to a condition almost as good as new besides garments of wool and cotton the salvage workers had to revive coats lined with for or sheepskin and leather Jerkins and the long rubber boots worn in the trenches of the latter. Two thousand doesn't pay washed and dried dighly any that were too far gone. We used to patch the wrist. Many of the female salvage workers adopted as they work year. You All British army jackets complete with the stripes. Denoting rank look and we go on to find out in World War Two Collection of fat and Hair curlers Silk Stockings off immunizations. Now that we're going to have to jump quickly through this because it's just fascinating the whole business. We were looking at change. Greatly in in nineteen sixty s with new youth culture decided to dress differently and Mick Jagger wore uniform fancy dresses street with so we get this new hall thing about this opportunity shops tuning into people suddenly started collecting being anti vintage retro and And it just will have the opportunity show. It's the opportunity shop started not far from You'll fitzroy studio In Ninety two thousand five Simpson's hospital was Rising rising money to build a new wing and they had an empty building which John Rin had solved them very cheaply. It was circular. Had Been An all boxing in stadium and before that had been a place where pre movies had been shine And they had this building and one of the people on the fundraising committee whose name was lighting Milly. Milly tell us a former stage star had just come from monitoring holiday of Europe and the US. Yes with her husband and they had seen these bargains shops charitable bag and shops. And she thought we can do something like that. Not just a two day. Not just a two day jumble sale but a long lasting affair so They had a and she. Let's call it an opportunity shop. She the the shop she'd seen. In France recalled magazine Daca Xiang and Ocasio apparently can may not just bogging but also opportunity so she very very cleverly had a marketing brain and called them opportunity shops which is to my mind such a great improvement on the charity shops of the UK or the What do they call them? Thrift shops in the US. So both of those have a kind of a moral under time to them whereas opportunity just kind of sparkle's doesn't it just trolls you. In an in the first three hours opening it made three hundred pound. That's right yeah twenty five and and I just I would just sell out like that and other shop that I've been early on in the thirties near here Run by the Brotherhood of Saint Lawrence Uneven once or twice a month in a tiny little shop and a tiny little shop and the police used to have to attend those openings because so few people could fit inside and and so I mean I wanted to get in there that the crack cat crowd control was necessary. Look it's just not close spoken about in this nothing new. It's atom markets at. What did Henry Ford learn about? The desire for new car seemed goodall. Henry Ford. He had such I guess guess nineteenth century way of seeing the world that he thought people what people want would want in a car would be something that would last. I didn't even have to buy one Chi and it will. He took took pride in this. That's how we marketed. These these team or Ford will be the only kind you ever need to buy. Well rival comic comic as soon got the message that people were attracted kind of new blink in a better model and there was this kind of thing at work. Consumerism was really gaining signing steam during the nineteen especially the nineteen twenties and Indian. Even Henry Ford had to come around to creating new models. That might just have a few extra bells and whistles bats. what he learned of course was that as people bought. New Cars was second hand cars and he had not foreseen that Second hand cars rivaled new cars in popularity and He he actually proposed starting a plan or getting the government to start an operation way by all second hand cars head to head to be junked pulled apart and made into new disassembly. Lie this assembly line exactly so they would not rival the new ones but of course. Ah The used car market either took new market and yet you know this master businessman had not Had no I o industrial not for saying that look we go onto. Things is like Things that sold through the lost property or found object area stories of weird findings just fascinating. Hey to starve finding the diamond among the dross. Let's everyone's dream isn't it. Yeah absolutely I'd just as as we started with you and I Loving a garage sale. Hopefully it doesn't come to what happens in USA that you have to have a seventy five dollar permit Horrible so this is nothing new. It traces the history of secondhand the stigmas attached to it and the business that it continues is to be so. Thank you very much rubber near thanks to you. Thank you gene now. Christopher Steele takes us on a journey through the foundations the Christian church in his latest novel domestic so Chris. Welcome back to three It's always good to be back at three. Sorry it was a bit lead. I got caught in a terrible Jovan. Traffic Melvin traffic. You're on the road somewhere. Where Soul Paul on the road to Damascus? Now let's just has set the scene a little here with the significance of this man and this location. Look a poll sign Paul. He was born his Jewish name. I I was so And he was born in a place called Tarsus in what ease now in south east Turkey and he was A devout devout Jewish man. He was also a tent maker. Canvas Mica that's what he tells us in the letters he wrote and the letters former Paul's letters to various we wouldn't even even call them Christian now guys before the word was even coined these communities of a let's call it a heretical sect within Judaism that were across across the The ancient world The the eastern Mediterranean these letters form the core part a really core part of the New Testament of the Christian Bible and maybe the best way for people dug not about poll. These two side that he he was interpreter of a profit. Call Jesus who And so I- remembering grace Some time ago was talking to a very smart Friend of mine about about wanting to do this book. You know being fascinated by Paul and who he was and he's interpretation of Christianity and Yanni said to me I year. Paul Paul was was living to Jesus's marks. That's a good way of explaining to him to a non for people who uh really know who he is and Damascus was in the biblical story where he came to enlightenment. He was blinded by light and therefore enlightened like named any became then the soldiers. Yeah I'm Jesus okay. So that's the back on to yes. He's he's considered you know. In the in the Christian history is considered one of the apostles but he never actually knew Jesus so like he wasn't one of the twelve apostles he has has he goes to Damascus. He says that he's Persecuting these people because of their beliefs and he has this vision and basically this is where the story starts doc because he's been involved in bringing a girl to a stoning bicycling. She's a heretic. She's part of this new sect she's going to be stoned did it. And it is brutal. What you're offering us here and that brutality goes all the way through the novel in many ways because of the pagan beliefs and attitudes attitudes? But I would say sorry to interrupt again but also because you're also dealing with time with the Roman state. His is is quite brutal. In the way you know what Rahm did is one way. Was it granted you a citizenship to the To the empire but if view in any way disagreed or fell on the wrong side of the the kind of the the ledger about what it was to be a good who'd citizen than the punishments were horrific. But the same could apply. If you deny your Judaism that's right. That's the punishment was this but this is interesting because by szekely you are counterpoint. In this opening this notion of a purely because because immediately after the stoning soul by this because he wants to be an end to the temples as there is a blue jeans. But you've got this. I can't appointing of appearance which you know. This is the What we strive for and brutality which they're all perpetuating because of their beliefs so that the fundamental problem still exists in the church today? Many look I mean in writing this novel under the in the shadow of all these crises that are happening across the The Christian communities. But you know I I mean I've got the first thing to say about. This book is behind the APP. It's been such a pleasure because I've been lost in for five close to six years now and Philip of Student Hispanic saw be to to go back and go and always very very precise moment stick to the first century of the common era and and read about it and read philosophy and read theology and read the Bible. Will you actually take us through. Four generations news of the early Christian Church But then this also points out some of the challenges and coarsely precisely to your to your question before the David Look you know what it is you know this you know you read this. Read this history and you realize realized that there is some gripe beauty that came out of this period says something about greatest philosophy you know some of the the Great Virgil comes out of this period. But this there's a slight society for most people this was suffering and this was a five. That was speaking to those who were suffering and and the suffering offering was because people couldn't control the situations I mean had no right provide us with the stories of several people through this. Oh for example. Lydia who has through uh-huh bicycling abandoned her first child a girl because it's not appropriate. We want a boy. And you've got all of that notion of blood guy through this novel as well that was When I had has always structuring it I had the word blood on every section it does? It is bad because it is a bad blood in terms of the kind of violence that was in the world. But it's also about the notion of blood and what my polls words truly scandalous was that he. He said that this was no longer a Jewish faith. That you know being Jewish was no longer about blood right that this. It's the universal. The universal intas history in a letter that he writes to the Galatian. Worry very says we are not men and we're not woman we're not Greek and we are not Jewish. We are not master and we're not slave. We are one and the best of occasion. In many ways I think is Lydia media. Who gives up her life for her final child who is deformed female and deformed on yet but she gives up her own life life for that child in terms of sacrificing not physically going out to protect she makes us? Nick saw. This is a really difficult thing for anyone to do. Reengage in two thousand nine hundred difficult things are for a woman two thousand years ago to actually turn her back on family and community a huge accept Jesus throwing by over the wall to form to get rid of it. Is I mean lighter. Then you have the story of Rassas. A former Roman soldier and the opening of that chapter is blood because that's is an old pagan ritual consuming the blood of an ox that's being slaughtered in pit. It's in verses is actually she. He's a and this was quite common through the the Roman Empire amongst the soldiers that they were devoted to the sun. God you know that that was the that that was things the god of the of the soldiers and the the blood was well. Washing in the blood was a way of taking life into one self and yet the irony is that the at Christian sect if we can call it that and even though it's not quite that yet they're labeled as living off the blood and body of Yeshua is you call him here and it's a blood sector cabalistic sick. I'm in Brussels refers to it as difficult. I'M GONNA look for Made Damascus. He's both spacings. And one of them is is is a novel of ideas of ideas and of Bain challenged by At dealing women and fascinated by all my life lock from from very young kind of what is what is the meaning of life which is also what is the meaning of doubt Out Right and what is what is the idea of being good in the world. What had we had we do that? What is what? He's morality right and for me coming from a Greek Orthodox spectrum first introduction to that he's fruit Christianity so that's why I'm going all the way back but the elephants I am is a writer Haida fiction so head to Mike Exciting Rondo. Hatton market. Something that you would want to that one you to be challenged by the ideas as reading this novel but I also want you to think that these really flesh and blood characters ahead to Mike. Paul Real not assigned I had to create a woman because one of the things I found down in the In the in the research was that the history of the women in the early church has been completely erased. So I wanted Lydia Van Lydia. She she comes into the Canonical Bible. Well she's referred to in the book of acts which is half of the book of acts which follows the gospels in the Bible is the story of Paul. And he's and we're told that the first non-jewish Personally brings this five is a woman called Lydia and that was all I needed and I thought what is it. What would it be to make a woman? Mike these choice back then and I had to put myself in videos Beth shoes like a really the other thing I'm what and then reverses is I also but I have been wrestling with poll so many decades but I feel will a real tenderness team narrow almost protectiveness because he gets accused gets accused of many things. Get accused former phobia arm guy you know. That's the wrestling of Henri Paul or by live but I think the ethics that he is talking about a still relevant and really important. What but I can't get to sorry I just so much more to talk about this book? And it's and it's so hard to do it be compressed this but the thing that are on the Bridge Com Crossover Christianity and I think we've all monotheism but particularly Christianity Islam has today's awesome is this Separation between the body and the mind and the soul. You know that that the fish is able and spirit is good and and versus represents something different the raw. He's the pagan and there's something about the pagan that I respect. But he's coming trying to come to terms with the fatted calf this notion yeah of the lacob slaughtered for the child that was the prodigal and comes back. He can't understand that coming to terms with that you then have timothy another. WHO's basically a disciple of poll that then becomes a homo erotic relationship? But also you then introduce Thomas as well. We're not GONNA have time to discuss Thomas. And the agnostics all of these things I wish it could because Thomas became. I'm really important. It was when I actually discovered the Gospel of Thomas that the book that I realized I had a book because I had a conflict between Paul and Thomas and I'll be really quick in nine one thousand forty eight there was an amazing discovery Egypt A treasurer of books that had been hidden from us for Seventeen Hundred Years when the church Christianity became the official official religion of the empire. They were put. Some monks buried them under remonstrate dissipate facility and a hundred years and now we have them and the Gospel of Thomas is. Gospel is the teaching of Jesus With No resurrection. I'm when I discovered that and there's an apocryphal story that Thomas's Jesus twin brother so have made him the twin and it becomes an argument to go right back to your first question there. Debit how do we live these ethics in in a a world that is and how do we. How brutal is up yet in in a brutal willing to die in many ways we've got ethical decisions to make we are flawed characters? Your soul remains flawed. He is prone to jealousy and brought even at the end he's assigned as and therefore you've got to live with the human condition. This work that the the last part of the book does go into what I call the third or fourth generation because you know what sustains Lydia is the hope that Jesus east coming like not just in an metaphors that he's actually he's going to arise and this. This hellhole that she finds herself suffering is going to disappear with these coming and Jesus but he never comes and so how do you live those ethics wchs. It's really the way I talk about it. He's it's so to love the the stranger and the neighbor to to say we. I'm going to. I'm going to give up all my possessions and wealth and leaving communal life. They have beautiful ideas to not for the first time. All I think still really challenging ideas for me but how do you know it's easy to do that or say that when you think in two months Jesus is coming in a huge is coming. How do we do? I thought cool return which they wanted to believe in. But then there's a spiritual Thomas and that is what Thomas is saying. You do it in the here and now you don't worry sorry about the Kingdom is here. Yes but then. How do you justify the kingdom with all of this brutality evidence for that as I said Eh? You know. It's a dilemma Christianity. But you know I'm not actually. I'M NOT RELIGIOUS SO I've come to this. Well that's let's just I'm not a Christian right in the in the Traditional sense because I don't believe in the resurrection their K. things aspects but I am so so a profoundly moved and challenge Christian ethics. But that question you were asking David you could ask about politics you know. And Damascus comes up to you know I did a book a few sometime ago called dead Europe which was also a better loss of five in something communism. I write those questions that are in Damascus. Being I think we have to ask them as political things as well unworried in today's society especially amongst politicians who claim to be Christian. Chris respect all of us. All of us should be should not be worried about And we shouldn't be worried about asking quick discussion the the author Christopher Steele the novel Damascus. And it's an Alanon release Jan and I was thinking Robin near about nothing new at takes publishing probably should nothing new under the sun. Ecclesiastes these yes one of the next week. Thanks so this is a podcast and this is published owners. You've been listening to a podcast produced in the studios of independent community radio station three CR in Melbourne Australia for more information go to all the ws dot three dot org.
Strong All Season: Using Essential Oils Internally | Brittany McDonald
"Welcome back to essential oil solutions with though Tara at this time of year when environmental threats are high. We know that many of you are looking for natural ways to help support your immune system so we're excited to bring you the strong all season education series. These episodes will be focusing on all the ways. You can keep your body working the best. It can so that you're able to stay strong all season. I'm remake them all the founder of frightening balance of terror diamond leader and really excited to be part of this wellness series with you today. I get to speak to you about taking the oils in Turnley. This is one of my favorite ways to use essential oils. Because it's a super simple add on to your daily health routine which is giving you some powerful health benefits so all of us are already taking essential oils internally without even realizing it. It's in the gun. Chew the food that we eat the things that we drink so for me was justice. Natural addition to use the terrorism Wales in turn only peppermint for example is one that I use every single day all day. It's Minty fresh in energizing my mouth one drop of government with wild orange water before a workout just makes me feel energized and allows me to take some incredibly deep breaths that three clump energy e slump crash that most GATT. This is what I like to add into my water again because it's just very invigorating. So I'm somebody who's always on the go. One drop of peppermint. Omay tongue really makes for good freshening of my breath if we go out to eat as a family or hang out and about and just picking something up if for having some things that are a little bit more processed or things that were not used to one drop of government in the water before or after we do eat that just makes for a really happy guts. And then a little of a kits tip. So if you take a drop of peppermint on a toothpick ans- rural the toothpick in glass of water for the kids. They can drink it in. It really is amazing in happy for the guts but has a little bit of peppermint flavor. But it's not so potent as it normally will be so a little bit of a breakdown about what happens when we take the oils in Turnley so are by is meant to metabolize these nuts comments essential oils are not full compounds so my mind it really just makes sense to support the Wadi by using them internally when we added drop of lemon to our water it goes into our GI tract in into our bloodstream and from there it can be delivered throughout the rest of the body to organs to be processed. So there's about forty different Dough Tara central oils that are approved and recommended for internal use. So if you're looking to figure out which ones are. It says right on the bottle whether or not they are approved and then it has a supplement sacked box on them as well so you. It's clearly shown which oils are safe in which ones are not safe. So let's talk a little bit more about safety. Not all oils are created equal. So when you talk about using them internally specifically talking about using the tarrant Wales just like when we use essential oils arithmetically in topically. They're super potent impure. So same thing goes one or two drops goes a long way now. We all know that some of the oils are hot and spicy or a little. Bit more caustic. So using some extra caution when we're taking those Maybe putting them in a capsule or taking them with some other sort of liquid so it's not so powerful something like Cinnamon Packer Mond Clo- though they're a little bit more oregano little bit more potent so even mentioned before with the water in the toothpick. That's great auction. So it's not you know that really really strong taste in that. Once one of the biggest reasons why we use oils internally is first simplicity in our busy day so simplicity is huge. I am always long ago. I've got three ways in all of our routines are all over the place. So we do have these regular morning and evening health and wellness routines that we do and find that taking the oils into Hurley. If you compare that with your routine it's much more successful than than you know that you are really boosting your family's health wellness. So part of our routine in the morning is to nourish your body for the day and take the supplements that we need so I keep the oils in our kitchen and in our supplement box. So it's like this daily reminder Okay this is what I have to take with us. So when you have those oils there. It's just a natural thing to put a drop of water into your water. Wales into your water bottle to put dropping her smoothies or coffee or drop under the tongue. A lab using FRANKEN sentence. It's just incredible underbid. Let's is huge afflict my top recommendation. Especially if you have kids you can just pop them in funding the house in the morning when there are because you never know what those kids are. GonNa come in contact with when your doors? So popping knows Inter Super Simple and helpful we love taking the oils internally. A really just makes sense so all vice systems can be targeted. Incredibly while by taking these oils internally. They really start to help support. The body's natural function so for example citrus oils. Like lemon in line remains in a glass of water they have this ability to specifically support the Wise Nutshell Immune response they support the respiratory system. It makes for some incredible easy breathing. They provide this antioxidant support. In in deep cleansing in the essential oils. Like apply in Frankencense are great at just supporting our guys natural immune response and they have this incredible common in supporting of the nervous system. It's like this call. Just comes over him. And he has reason why I am a big believer in using oils internally is for the credit vascular in the respiratory system. So I worked for years as a personal trainer and a fitness instructor. Nutrition coach and I know the importance of having a good functioning cardiovascular system in a healthy heart. The heart is that hard. It's the hardest working organ of our body K. and using some essential oils that cinnamon clove. Black pepper are super powerful at supporting a healthy circulation. And when I pair those with Carter Those are great for the respiratory system. Now my favorite combination is taking daily. Innovative capsule has been nineteenth. This in the morning and evening so Yaro home is one that has i. Don't know the most incredible benefits would you take internally so any oxygen support cellular support immune support calming of the body and the mind supporting our natural healthy metabolic function like these the vantage on and then Aguilar upon with Kubota grapefruit black pepper cinnamon in Turmeric and I find this. Just the best overall combination to support my don't create is calm but energize me. I can just move so freely in Nice throughout the day. My head is clear and it also supports my metabolism. And I'm all about simplicity like I mentioned before so what I actually do. Is they take all those oils in. I fell age robber bottle with equal parts of all those so that every time I am ready to put them in a capsule a don't have to open up every single bottle in drop them in awesome need to do is shake this up a little bit and the combos already done. I just have to drop them in to the empty capsule super simple so it hasn't I that that's one of our favorite race use the oils internally but for the kids do something a little bit different like I mentioned before the Angara. Let's all my kids take them. This is kind of one of our normal daily proactive. Immune habits that we've done but many of us are kind of feeling that rundown or traveling more or like are seasonal. Environmental threats are running really high that in order to give our wise natural immune response a little bit of a boost. We use the on guard. Soft gels so it's just a fabulous extra support anytime you need some of the other oils that we don't have the soft gels on hand than with economic of her own but using on guard. Frankencense black pepper fabulous ones that I find helpful. I was in the second most popular way because we use the oils. Internally is in things that we drink some kids taken oil they pick their own citrus oil in the morning before we go to school. They added in so it's adding flavor to their water. They're more likely to drink get but it also creates his dealing habit of supporting their gut health in promoting healthy in the emotion. Like I mentioned earlier. I have three boys at his so I know that they're at least getting some healthy boosts every single morning when they add those drops their water we also like to add lemon line cinnamon those types of oils into our smoothies and then I'm a coffee drinker. And so I'll add peppermint cinnamon or Cassia to my morning. Bulletproof coffee so delicious so supportive. Just the best. We've kind of kick off your morning the last way we use the oils internally on a daily basis would be in the form of a throat or mouth spray Flash so a MOUTHWASH WE USE on guard wild orange frankencense mixed with water violet. Fall and baking soda. And it's just a really gentle but incredible way that we can support our oral health and then in a spray bottle so you can reuse the hand hand sanitizer ones or you could get a little spray bottle. I like to use the kids. I Q a Mega supplement and I add on garden lemon to it. Shake it up spray the mouth. It's very soothing for the throat in the mouth. And if you can add peppermint to it. It's very refreshing to something that you can. Keep your purse towncar. Have it on the go or you know? Just keep it at home for those times needed a little bit more soothing on the throat so finished today by just saying that you just need to explore different ways that you can use essential oils internally. Get a lineup going in your kitchen. That's probably worth start using them. The most and use them everyday. Put them into the things that you nourish in high hydrate. Your body supplement your body. Keep it simple. Dumpy afraid to use them and just figure out in field power of how these oils worked when you actually add them into your daily routine on internal basis. They're very supportive to your body. Thanks for joining us. And congratulations on living a healthier lifestyle with essential oils. You liked what you heard today. Rate Review and subscribe wherever. You listen also if you want to try any of the products he learned about go to Tara Dot com or find a wellness at the kit near you to place an order today.
Moment of the Day (12/3/19)
"The name Pat Boyle got a lot of play today listeners. Certainly know who he is. Now after he did a little squatting and tumors office the over the weekend pop squad on the couch got himself some Z's and then instead of trying to get away with it Roach Nice little note complimented you with Profane language on the beard choice in your fridge which he joined us here on the show for quite an extensive period this morning and it seems when all was over and through. He didn't maybe quite learned his lessons matter. Who It is it? Shouldn't you should never walk into anybody's office. That happens to be mine you know. It's kind of interesting that my door was left open in the first place. That's a whole other discussion with somebody else around my bed. My bed. It's right. It is as bad but you know but you understand what's why we would be upset about this right. Yes I do understand and if you do have free time I'm all I'd like to take you to lunch or like that guy and changed the twitter picture your profile because you know what I did kind of sense that the Dushi imagery around it yes not. I didn't change the image. I changed the entire car no longer drive that car. I got a cheap instead. I figured tone it down. Mainstream Middle America. No big grab for them. Say Look like an entitled little. Hey Pat Boyle Rub just so such the wrong way to get you to curse on the air. We had to blame stream middle title America. We had a legit boomer out for moment of the day. That might be a first. Yeah look like Oh like an entitled Little Douche. Yeah I was going into the whole thing. I accepted accepted his apology and everything but then he just kept going. Oh Yeah No. He's just he's just that guy can't can't fix it bad form. You know he doesn't China's doing is rubbing trust me. He understands now to begin with like you said with the he tweeted already about the couch. Like he's yeah he's just that guy. He's milking this for everything. It's yeah I mean at a you've dealt with many many interns in part. I've seen the the attitudes change over the years. Yeah right this is a guy we would have gotten an email about from Eddie like a preemptive just a heads up every intern has its chatty CLO- intern two years down at WBZ in Baltimore Man. I was an intern cutting tape and that was back in a day. Cutting actually cutting tape. Did you sleep on. Oprah's couch oprah by the way was just she was he's just a local cub reporter at the time. But you know I was working for was Gail Gardner and she had nice office but no I never slept on her couch right now. Never even crossed your mind. No they just said cut this tape find these highlights and that's did boomers and he men of the people in your QB car exactly exactly right. CHIRP say I was the starting quarterback for the university where I wasn't aware okay but I was setting up my future. At least you know if I was going to be able the throw touchdown passes. I was going to be cutting tape somewhere. Do both you can cut tape year. Yeah we do we tape cutters. I don't know if you've heard Jerry needs help. And maybe you can get in a little earlier you can help Jerry. It'll better the program. Maybe I'll get another couch so he can sleep on that one it's online. What about one for pet batboy PAT?
Inside Labour's power struggles
"Just before we start listening to this podcast reminded that we have a special subscription he can at twelve issues of the spectator for twelve pounds as well as the twenty pound Amazon voucher the go-to You spectator dot com forward slash voucher if you'd like to get his offer Clo- unwelcome to coffeehouse shots action Pratt last time from south side this is totally normal and also something to be celebrated but of course there are lots of suspicions that actually being basically quite skeptical about backing remain immediately all those kind of controversial issues that we've seen play out recently she's on that side of things so beat definitely is more aligned to you know wanting a general election certainly before second referendum and but he he is loosening his grip to a degree and I think that that the the has been an appetite for him to have people around him he do listen to you data now that joining me today for special status of coffee how shots we'll be discussing all things labor and what's been going on this week now it's been quite invent especially around the top of Labor at the moment in the leaders office and it was announced all revealed that Cobain's longtime chief of staff very loyal to him has been moved out of the departure from Corbin's office away them Andrew Fisher leaving do you think we're sort of seeing a link-up thyroid's completely separate well I think if you look at Angie Fishes leader's office to work on elections now what do you think is happening what's going on behind the scenes who's benefiting from this movie thank so carry Murphy as you said university liked by everyone the Labor party would be beer kind way of putting it by think she's a divisive character and also quite quite bracing you have various this is a manifestation of the tensions that we've seen within lotter so carry mafias definitely a unite women just as Jimmy formby was as well and ah q rather than later the parliamentary office and of course the label line was this is this is a coup because I carry mafia worked on people say I think the Nazi German Kuban is now in a weak position I think how weak really I mean I think people expected to be pushed out before general election school director Jeremy's Annalisa Jay Bradley whose it acts as a liaison between trade trade unions and the Labour Party so there we're going to work from southside from now on so awesome suspicions there that it's to do with that we'll see and Casey DC links where I mean we saw a few weeks ago that there was another sort of high profile is retaining had job titles I to smooth wave this transition that all three of the office retaining the job titles chief of staff but as well I mean Jackson various members of the shadow cabinet the pop other people and they've h keys I didn't see it in the spirit of people who are very close to Kuban Hugh seen as being we spent focusing on pushing a policy agenda and instead she leaks in various places expect class wall didn't carry math is denser in the class war but there's definitely a sense right which has now been made its way into the public sphere and for his resignation or I think it was on one of the Kuban sites then disappear but not for other sore it talks about various figures in the leaders office he I think he was disrupted to the coups he lists various as far as not quite infighting but when he times kind of asking whether John McDonnell is undermining opens position on a variety of things particularly brexit of course because he has been the person the Andrew Fisher news break up there were divisive figures and Ron Jeremy Kuban shameless men being one of them and carry muff being enough Amman was just attending his but so many people on the left in this particular today is kind of come out even more lots of members are very suspicious basically about these tensions and and McDonnell and McDonald's office even though you know Jeremy's sunset works in McDonalds office and there are those links and it'd been friends for a long time that political allies all of that is he's been having meetings with people vote campaign for instance for quite a while now and was instrumental along with Diane Abbott for pushing that's become official party policy so you know there was criticism today those this Alice Campbell interview and came out with John McDonnell and he actually McDonnell did reveal a number of things in that interview which is is quite interesting just the fact that he would choose to do that interview is something that people controversial interviewer as well it's not that people are very suspicious of on the aft- ready but then the fact that he said in it that he supported Alex Campbell Returning Soleil Party is a member the fact that he kind of go out or or the total opposite well there's something that has been kind of bubbling under the surface for a while now which are these perceived tensions between lottery Corbin's office typify others and see how our momentum under the stove parts of the Labor Party on the Lhamo left side party fitting into this stuff supportive of them have carried grant is what comes first in terms of you know looking ahead we're expecting to know in the next week or so if the party if been picked up by the Labour left now they're kind of it more and more it seems like paps if not carbon himself but Kuban supporters gonNA attack McDonalds knowledge the law of Labor MP's people in Parliament as he said were skeptical about having election before referendum so various things that happen action there's some of the people pushing that having pushing for a very long time and that's because OTC stopping breakfast the most important thing figures Jeremy Kuban whole hog in the end a touch and go vote they decided not to do that I think now that battleground for the time being to one side the next about the fact that as to Campbell Astra McDonnell do you agree with me quite clear he was not say yes but do you agree with me that we shouldn't have an election next the numbers meaning that some people he wants to judicially in the second referendum first camp now at she think well my seat has the small majority party should be explicitly pray remain fatty big shift I thought from the party originally started that is now official policy to have a second referendum but some who wants to be a- and then hope in the meantime of having that the tourists move much further back in the post and you stop brexit and get to keep your seat so I think there's a growing view there Kathleen Crofton happened longtime with another referendum becoming policy as well it was the same sort of pattern he's a he he says it an interview and then unlocked Labor MTC having a Labor government as the most important thing when she had a Labor government dairy you can do lots of things including stop brexit if you so wish but does passed but there is some he will growing number in the Labor party he thinks the party would be best suited to having a second referendum before generally made a big pre-election speech this week talking about all the radical policies Labor agreed at conference and been developing since then an older kind of it should be a second referendum the German donal plays enough to the Party line by saying you know my preference is what we said many times she general election but he completely paves the way not am I better advised actually push for the second referendum gopher that prices is basically labor policy anyway to have a second referendum it's getting that much often on time ago now but even since then Labor MP's who people would think of is cold nights were saying the they would defy the whip to against clan that we've seen that from school books Andrew Fisher Memory King as full circle I'm going back to Brag Sake adding deacon this is the biggest riff we've seen so far with a potential supporting of saying he understands that argument and that's liquid the numbers in parliament look what's going to wear it and I think there was a bit of a pattern Greenpeace are saying about preferring referendum first that his position is firmly election I and that's the priority and I guess if there is a confidence votes I think gene manifesto policies that can be pretty important in that election and completely making it clear the Cubans position is absolutely whatever lots and lots and there are lots of goes on you know pushing for the positive very much remain position compared with Kuban well look I think the Big Sky Conference which is very well documented was whether or not is interesting but let g interview is really eye-catching comments such as you know Jeremy Corbyn screen to resign needs to have my fact vaccination but also took it looking at the polls in the heat of the fact the tour is so far ahead there are several polls maybe being slightly battered the past week but you have the lip dams and labor on really simmer yes we can do Jeremy Corbyn allies that Jeremy Cu ovens preference to me seeing this week is to have the Tories basic fools together extension and and Labour moderates who wants second referendum I for example would would have to sort of rain in Vo for German election is that you'll feel like I mean even since the very beginning of September which feels we expect in the next week or say if the government is going to get an extension Fukushima requested oh give them what's currently happening at this small chance that there's actually a brexit deals immediately after that secure cool confidence bring down the government and then have a general election I I think that is the planet yes certainly I mean I- Jeremy he's various late late office of John McDonnell missed seeming tick add living in an interview by going on the position but they actually believe is she big appreciable Jeremy Corbyn to consider a second referendum first because you d need labor votes to get free a general election heeded the fixed term parliament at still think the Labor Party and there are people in the Labor Party say will actually know J- Jones accepted he will never be the leader but he wants to get a female leader he don also announced the departure the potential departure of the Labour leader saying that if the Labor Party lost the next election both of them would stand down I mean that's quite unusual in you mentioned that failed to remove Tom what's in Talita but they did manage to change the rules in terms of interim leaders so if Jeremy Corbyn in steps down is Jeremy Corbyn himself pit on the Marcia has an unfortunate accident involving a bus you have a situation where it would be the national executive committee that would say over Hugh stepped in impressionist is the best choice there was a lot of criticism in the McDonnell interview today he he honest Campbell's set before now I thought you take pinch of salt when John McDonald says the next leader needs to be a woman because I still think there are plenty of people who think he has his eyes on being the next leader the leadership contest and I think people are looking ahead to what candidates they would have to go up against people probably like kissed armor to go against Emily Thornberry general election they felt that strongly about it not is only growing as a feeling in the parliamentary party. So it'd be very interesting and so Casey you touched on before as well the fact that with a continuing the woman discipline the Kuban my of Leeann things but I I sense that perhaps Joe McConnell would get behind seven like that but on since then that make sense of it to me but I think there was some coherence advocates helix his comments he made along with
Ask The CLO 09/30/20
"At American. Public University. We believe that higher education can unlock higher purpose. So we offer two hundred modern programs for those who want to make a difference and we believe education must adapt to students needs. That's why we've made it accessible through online classes and flexible with monthly program starts American Public University Within reach without limits learn more at American public you dot. com. Hey there it's mango hosa part time genius founder of Mental Floss, and like many of you I'm one of the twenty one million people that are picked gardening in the past six months. That's why I'm hosting the brand new podcast humans growing stopped brought to you by Iheartmedia and your friends at Miracle Grow. Join me on green adventure as we talk with experts, friends, and surprise guests and here gardening means to them listen to humans growing stuff on the iheartradio APP apple podcasts or wherever you get your podcast. Coming up at the top of the hour we're GonNa talk more about last night's first presidential debate in Cleveland. Steve Between Joe Biden President. Trump. We're going to talk about it all morning long of course but I it is time now for the CLO chief love officer Steve Harvey Are you ready Sir. Absolutely here we go. This one is from Lani. Lani is an iheartradio APP. Listener Lonnie says I am thirty three years old and I just proposed to my girlfriend only to find out she's been faking it with me in the bedroom we had an engagement party and she had a lot of champagne and started over sharing. She told her friends that she fakes it most of the time during sex, but she's not into it because she's not into it. Or she wants me to hurry up and finish I was shamed, and now I'm intimidated when we do have sex because I always assume she's faking it do a lot of women do this should it concern me at all? Don't. Don't don't. What are you worried about doing a lot of women do this she? Don't worry about. I, want you marry. ME. Tommy we've. Married. If, they've been fragrant with us a lot of years. Aged. Man. Now. You can fake going for you. Go We. Should you be concerned? I will. Total, girl she wanted to be over with. If you don't have a healthy sex relationship open, you get married though it's going to be hard to keep that together. Just tell you that pod. Cossacks is really important. Lana. WanNa your name. Boy Lana. Cod. One black names. All right. So you're you're telling me what? Problems is. Already, a prop. Longer. ENGAGEMENT TO WORK ON THEIR SECOND? You need to stay engaged bit longer than. Moving. which they you say don't worry about a UNCO Netto. Ellen in Teaneck New Jersey says I'm seventy three and I've been widow for four years my ex-boyfriend from over four years ago forty years ago found me on facebook and we started talking on the phone he lives in a neighboring why? Sighing already seen he he he lives in the neighboring city and when the pandemic restrictions lifted a bit, he decided to visit me his daughter drove him to my house and when he got out of the car. He was in a wheelchair. We had a great visit, but after he left, I, broke up with him because I refuse to take care of another man with health issues. I do miss him though was I wrong You said, no some. Who? You know. How many more news is coming back? I mean, Hey, like they just pulling they pull up pull up you know wheelchair one of them pull over the van with a lift only. One on some, you need to ramp at show how? To, me, you know you need to access need to widen doors on that bathroom and get some rails. This is what I think you ought to do. That toilet see where you're like you standing up while using it. You need to go get all that pretty. Because no hell. No. Because that's what I'm tied of Damn debate last night. Go a one of the regional kings comedies answering this question. Yes. You should feel bad and let him come back if he don't come back who else coming over there. Let's get some things done to your house. What else are you make? Need a route. That we saw. That, you can get older door senior. Get all that pulling. Thing Yeah you already seventy three. We all take care nobody. Asked me a couple of you how. It got all this extra stuff in there. You can't just have covered with food in you gotTa have medicine in. All these. Things. Countered appealed Monday. Tuesday Wednesday. Extra medical alerts Leeann rounding. Blouses and all. She wasn't she? Asked. Not a good answer. Nikki in Dallas says, I've heard you talk about the love after lockup TV show that you liked to watch. I have a real love after lockup life and I need your advice, my man came home from a minor stay in jail for probation violation. He was gone for over eight months and when he came home, he still violating his probation by smoking weed and I found out that he's cheating on me. I've thought about telling his peo- that he's still smoking weed but I know he'll go right back to jail and he might find out I told on him. Should I even talk to him about the cheating or should I leave this bad boy and move on why don't you just leave your move on his obvious you scared of him. Now. What did you don't need to do is tell on the man because he go find out. Just, break up you through he cheating on you. He. Steals Mulcahy. Go back. He violated parole of gear. He go back go back down there for Bro you go take one drug tests it his ass is go. That's true. You already know s coming get ahead of this. Well she thinks she even talked to him about his cheating. No. Go something wrong with he'll. Talk, what are you going? To Stop. We don't give a damn about parole. You think he cares about your feelings. So what you're saying. What did you say? All right. That's it. Yeah she I think she is a little afraid of them though save I, I really do agree with you on that one. Get. Another. This was going back to traditional. Probably scared to do that to. Keep way known him to come out enjoy the next eight months. But she is listener because she she heard you talking about watching the show love after lockup. All right. Thank you. C. L. O. is always coming up next the nephew and run that prank back right after this you're listening to. Morning. Show. Hi this is Malayan Virginia and this as a rally, we are co-authors of the book fast forward how women can achieve power and purpose and where co hosts of Seneca's conversations on power and purpose brought to you by the Seneca Women podcast network and iheartradio. Launching a brand new season of this podcast, which brings you fascinating conversations with leaders who are using their power for purpose to accelerate progress for women while building a better world. We're kicking it off with a special six part series called getting to equal these episodes will feature conversations with leaders like two time gold medalist author and activist Abby Wambach. Spoken Word Poet author and podcast Amina Brown, an actor producer and entrepreneur Justin Baldoni among many others, and we'll tackle topics ranging from women's leadership to equality in the home to the role of men in achieving gender equality and much more. So join. US every week for a new season of Seneca's conversations on power and purpose. Listen to Seneca's conversations on power and purpose on the iheartradio APP apple podcasts or wherever you get your podcast. Food is and always has been political. If. That wasn't clear before the events of two thousand, twenty this truth in a spectacular fashion. So this season were diving deeper learning about the nomadic roots of the people and the cultural significance of Matt Dining. We traveled to Palestine to taste the milky distict Iraq. And then to La Palma in the canary islands to drink local wine from a woman winemaker while considering the industry's male dominance. Or questioning the morality of meet. The politics of language and why we don't say food desert but rather food apartheid this season, we're bringing you into the policies that influence and shape our food system. And along the way. Drinking coffee with you while discussing, it's African. Origin from the makers of whetstone media its point of origin season three I'm inviting you to travel with me your host Steven Satterfield for another tour of the world of food worldwide. Listen to point of origin on the iheartradio APP apple podcast or wherever you get your podcast.
Ask The CLO 10/12/20
"Pinhas is making his voice heard if you care about these issues and fear is a direct and fast way to articulate that, why are you voting and how are you going to make sure your vote is counted. There are lots of questions this year like how to register vote by mail and how to safely vote in person. That's why facebook created the Voting Information Center get information from election authorities and experts at facebook dot com slash voting info center, and don't miss the new podcast from iheartradio and facebook called why I'm voting iheartradio's Wyan. Voting countdown to Election Day your vote is your voice. At target, each item you put in your cart brings more good to life like a coffee brand that opens more is to black business natural laundry detergent that puts a lighter load on the planet wheelchair friendly Halloween costumes that said, make the lead in motion and make up at celebrates beauty and every shade here. The good you want is always within reach because at target we believe in good we can all afford. Steve time for your favorite segment. It's called ask the C. L. O. The chief love officer Clo as your nephew calls it are you ready sir? This one is from Mary in Queens. It says I'm forty one years old and I've been engaged to my man for. Slowdowns served notice that when you save. Mary. Let him breathe for minutes. Ahead. That's why did it quickly? So it could just when he's right by. All right. In Queens. I'm forty I'm forty one years old and I've been engaged to my man for six years and I won't marry him because I cannot stand his kids. He has three teenage daughters when we met I told him. He needed to start disciplining them while they were young. They will sneak out of the house, take his car talk back to him and they don't clean up. They had one chance to try me and I post one of them in the mouth. So they would no I don't play. How can I get him to take control? If he won't does it means he doesn't love me. Well it's not that he just doesn't how to parent he's. He's just he's how to handle them girls. He's a man and he doesn't know. He's afraid to discipline. His wants to be Disney Dad. Obvious. My question is, do you live with him? Oh I don't know what the situation is so. Really the bottom line is while we talk about this, you really gave six years not married because he won't discipline and they got teenage he not gonNA discipline. And looks like you not going to give marrying. Yup. Where we? Moving on I have no idea we yeah. Yeah, it sounds like she wants to make a choice to stave. Between her daughter's No. Good asked. These people skiers in. But you don't know what they did to her but still. Understand understand yeah. Is it. Right. I guess I should have person wouldn't advice segment on the radio but I'M NOT GONNA give? This part was when you. Often 100-minute Joan. We don't think necessarily violences away but something needs to be done and like you say it doesn't look like she's GonNa marry him. Coarse Linen Texas says I'm thirty two and my wife is thirty years old and she likes to shop at stores that sell skimpy and cheap clock. This started during quarantine and she ordered a lot trendy cutoff tops and super short short she dresses like this to run errands with me and I see how people look at her I. Thought I'd catch a break because of the cooler weather but she just switched wearing super tight leggings and short jackets a lot of the clothes or thin and see through and she's a little overweight. I'd tell her that she is too big for the styles without very carefully listen to this without hurting her feeling. that. Feeling why? What his no words for this. Has No. There's no. Way To save baby. I love you. I really do you wait and got out of hand as you wearing these tight and close in. Age, stretching fabric wings, e- skin and people starting to look at you and your ambassador is no way. Hey you know. Then I love everything about you. So you you you do. What was that? Daniel. No noise you. You know you close. You've been buying. Yes. I'm not I'm not a good or a bad or nominee. Tight. Think I. Have a nice think you're right. To, show it off will hey. Up. Okay, I'm going to read it one more time without hurting. Is No way that we really answer. There's no way to read without you getting. How can I saw that she is too big for these styles without hurting her feelings. Hurt y'all. You don't hurt her she going keep going Kate Dass round facts. Crush. Wife. Beijing's. Come on now people talking. To you looking at. Exactly Begin. The way she dresses puts him in a position where he might have to fight now. Bra You had to go on it just do it is not going to have to hurt. With House? Ain't no without. Okay, you're not getting out of this clean. I don't care how you do it. Say IT Zinni this is a problem and as IOS. Aright. You heard. Excellent you. Lamont in Gary that's a good name see Lamont. lemond. Gary. I'm sixty six and I was set up on a blind date with a sixty one year old woman we hit it off but on our first day. Three. Glasses remmy neat. She started slurring her words. So I ended the day I tried for a second date and that time she had three long either I t's at dinner I had a coke. I asked her if she was a big drinker and she said, she has a cocktail nightly to relax. It's hard meeting a woman at my age besides her drinking we had a good time. Should I leave her alone or try to make this work? I'll know the ten. As, hard meeting women showing. You mean wanted drank heaven. Three long and is that three long island iced tea and one every night to. Every. lifelock. Anybody drink every night to go to sleep. been around in the daytime, you'll know what she doing. Oh. So, should he leave her alone or try and make it work? No dog it ain't going nowhere y'all have a nice time. Just had a nice time. This ain't going nowhere. All right. All right. There you go. Thank you as always coming up next rough and snapped a sugar honey. ICED tea. Oh you scared me right now. It's Monday morning. So you know what? That means Reverend motown Deacon Jam in the building with Church complaints right after this you're listening to Steve Harvey. Morning Show Is, bobby bones I want to tell you about made up as we go. One of the cools podcast coming out this year brought to you exclusively by Unilever's nor and magnum brands and featuring original music by scarlet birth, creative director and executive producer and Co Creator Gerry Woodstock this is an incredible inside look to the behind the scenes, Nashville writing rooms in feature. Superb acting by Billy Bob Thornton myself and Miranda Lambert. There's a killer soundtrack. You can stream alongside original episode which dropped every week only on the IHEART podcast network association with media. I guess it is bobby bones I want to tell you about make as we go. One of the cools podcast coming out this year brought to you exclusively by Unilever's nor and magnum brands and featuring original music by scarlet burr Creator director, and executive producer and Co Creator Gerry Woodstock. This is an incredible inside look to the behind the scenes of Nashville writing rooms and features superb acting by Billy Bob Thornton myself and Miranda Lambert a killer soundtrack that you can stream alongside original episode which dropped every week only on the IHEART podcast network association with audio media.
Ask The CLO 08/26/20
"The world is shaped by the voices we choose to guide us. The ideas we choose to embrace what if we made the choice right now to create a new world with better outcomes for Morelos by listening to the voices of the world's most inspiring women, join us at PNG and choose equal for an equal future listen to Seneca's one hundred women to hear a new podcast by Seneca women supported by PNG on the iheartradio APP or wherever you get your podcasts. Dear young rocker season two is a raw honest strange and entertaining story about finding yourself in your early twenties and a lifelong relationship with music. It's hosted by me Chelsea arson executive produced by Jake Brennan of disgrace land. Dear. Young rocker comes to you from double elvis, productions and iheartradio. Listen to young rocker on the iheartradio APP apple podcasts or wherever you get your podcasts. Time. Now, for Steve's favorite segments called ask the C. L. The CLO- which stands for chief love officer. Steve Harvey are you ready, sir. Right this one's from Charlotte, in Dallas Texas. Charlotte says for the past four months I've been seeing a guy that lives an hour away from me. We see each other twice a month I've been to his house and he's been to mind. He claims to work a lot of hours as a dispatcher and when he's not working, he is resting I've hinted that I want to see him more because we are only an hour apart he says there's just not enough hours in the day. Is it too soon in our relationship for me to expect more of an effort from him or will improve he's interested from Jaap Clo. Listen to me an hour away and you really feel in somebody that ain't nothing. It may dummy hours in a day when a man won't something it ain't enough. It ain't no hours in the day he came fine. He's not working. He's resting that damn either you met the laziest damn man in the world. That our is just convenient because he got another life. If you're a our way of siege twice a month that's something wrong right there right is just one damn our day. I thought he was married Cielo, but then she says she's been to house and. She'd been a half. Yeah. You've been to apartment. Our way in the same city. Sisley. Zoo in Atlanta, you live for one into of in take out again. Shore. That's ridiculous. That's so ridiculous. All Right Marissa in Columbia south. Carolina. Says, I'm a twenty eight year old woman dating a thirty, two year old man that has a best friend that he calls his little sister. She's my age over the weekend she was in town and he led her stay at his house. I stayed over there too because I never trusted her Saturday morning she was walking around the kitchen with the t shirt and panties on I told her. She should put on some shorts or pants and my boyfriend said, it's no big deal. The girl smirked at me and went to her room. My boyfriend said, he doesn't have any romantic feelings for her. So it's no big deal. Should I trust him? Respectful though. His last sister get it. But his best friend Louis instant. Panties. t-shirt. Edina help. Our to to you lady but. You stayed over there as weird. It's look different relationship whatever your intuition tells you. That's what you should go with. That's all I can say. So. They could just be friends with walk around in Pan. is in, T shirt. Yeah That's crazy. that. She tried to send. You. Yeah exactly. She did the. Telling her to put something on I'm not mad at her for that at all. Hey. Hey You hear you'll draws. I'm you? No no ma'am. Ma'am. And then she smirked at her the other thing to push. Back. smirk me. Hey Donna Andrews plays on TV we in my house and you would do you do some other line with me. Please I ain't got no. Listen don't come to my house talking about political correctness none of that not at my house. I'll tell you what I won't save out here. If you want to. It's my house. and. Yeah. So to answer her question, should I trust him? You're saying trust your own intuition trust your. Ray Him is her. Trust him pants. That's That's why to say his segment. All right. Pather. Steve Harvey Fellow. In Monroe. Louisiana says been married for seven years and I have one child. My husband is a good dad but not a good husband in the past seven years I only get gifts and flowers on my birthday or our anniversary if I mentioned to him that I don't feel loved he tells me I'm fortunate to have a good man that's not out in the streets. He doesn't know that men come at me daily and want to spoil me but I'm faithful to him. It's not about sex but I WANNA connection with my husband I don't want to cheat. So how can I get his attention good one See I understand a man saying look you know you got the flowers and stuff on your birthday and anniversary but you wanna be spoiled in other ways and I can understand that and you have every right to walk that also understand why man say, Hey, look I don't know what's the matter with you. I'm a good man good husband I come home I now many streets I'm handling business I got that but the fact is you want more and you should have more. So you can have your man down. This cannot be done in anger. You're going to have to have a real conversation said honey. This is what I think could make us have a better relationship I could be more tolerant of this if you were this and I would love to know if there's anything about me can change to make you feel better and you gotta had a conversation while you're come, you think you'll listen though because she. Better. You ought to be glad you got a good man in industry. And that's the atypical response to push a little bit hard. To, push a little bit harder. She wants intimacy with her husband won't. You. Won't love. Song. Independent. They've been married seven years, seven years they have one child. To Push Harder Steve Yeah, you're saying push hard and do it I mean look you gotta you gotTa had conversation. It's only way to do it. You gotTA breach compensation. You bring up. He told you that you went on down. Yeah. All, right. Okay. All right. Well, thank you. As always for your wisdom. Now, coming up next the nephew is here to run that prank back right after this. You're listening to. Morning Show. Dear Young Walker season two is a raw honest, strange and entertaining story about finding yourself in your early twenties and a lifelong relationship with music. It's hosted by me Chelsea arson and is executive produced by Jake Brennan of Graceland. Dear Young rocker comes to you from double elvis, productions and iheartradio. Listen to dear young rocker on the iheartradio APP apple podcasts or wherever you get your podcasts. My name is Langston Carmen in Armagh Black Man who loves conspiracy theories that's why along with the beautiful oppressors at iheartradio and big money players have a brand new podcast called Mama. told me where each week me a special guest will explore all the twisted conspiracies that the white man keeping secret. So listen to my Mama, told me available on the iheartradio APP, apple podcasts or anywhere else that pods are cast.
286: Alanna Marshall
"You're listening to the revision path podcast a weekly showcase the world's blatant, graphic designers, web designers and web developers. Through in-depth interviews. You'll learn about their work their goals and what inspires the as creative individuals. Here's your host MAURICE cherry. Welcome to the revision path podcast. My name is MAURICE cherry, and before we get into this week's interview. It's talked about our sponsors Facebook design, Google, design and mail chimp. You know, there's three things that set designing Facebook apart from designing anywhere else scale variety and investment. Facebook designs work has impact at scale, including your friends and family or people from the other side of the globe. Facebook designed also works on a huge diverse range of problems, and they truly invest in design caring deeply about how their team might do their best work sounds interesting. The learn more at Facebook dot com forward slash design. Google design is a cooperative effort, led by designers writers and developers at Google. They work across teams to publish original content to do screen events and foster creative, and educational partnership that advance design and technology for more information on news, design resources and design podcasts. Check them out at design dot Google. Male chip is the world's leading marketing platform for small businesses. But really, it's a great marketing platform for all businesses male chip grows with us as you get bigger. They have more features for you when you're ready to use them. So whether you're just starting out or he want to take your business to the next level give male Chipper, try, check them out at mail, chimp dot com. Now for this week's interview, we're talking to a lot of Marshall and associate creative director in Chicago, Illinois. Let's start the show. All right. So tell us who you are. And what you do mean is Alanna Marshall. I'm associate creative director at ten thirty five an agency here in Chicago. My specialty is directions. Civically what's average day? Like for you at ten thirty cures kind of hear what it's like the agency side, I've never worked on on the agency side before so love to know about that. So agency side, I don't think there's an average day. There's a lot of different components to what we do. So it can be anything from concept. Tting you're at the beginning of a project, and we're all brainstorming together, our director working with copywriters or working with the larger group brainstorming. It can be designing sketches or cops to bring the is to Leif building presentation day, obviously, presenting and selling that work into clients, which is also a whole other part of it travel. For a shoot day actually going on production can be traveling where shoot be actually go out on production working with the offers or directors to bring that could be print out of home. It could be digital videos, TV even radio spots recording radio. We don't do that as much anymore. But that was a bigger part of it. When I first started reviewing edits retouching working with the retailer and giving feedback and making sure that the final product is exactly the vision that that you had for that work in the first place. So there's a lot of different kind of moving parts. So every day is something different. And that's part of what I really like about working advertising as well. You know, I was just saying as you were mentioning all of those I could see how someone might be doing each of those roles individually, but like it's all in one position where you're handling all these different things almost like, you're hurting. Cats in the you know, when these kind of things how did you first get interested in art direction? So I have always been really interested in visual art as a whole. So in secondary school embar betas wherein from you are able to can choose different route to the goals Rachel's digital art as when it may mean subjects, and so I knew when it was leaving school at wanted to do something in that field and initially wanted to do architecture. And so I had done are. Plus math physics technical drying. And it was kind of set on doing that. And one of my art teachers had great art teachers where it went to school. She found the catalog I think she was sent to catalog for scattered in Atlanta, savannah, college of our design, and so when I look through that there was all these different majors that they offered. And so I was interested in so. So many different things at found advertising. Design was kind of a balance between was graphic design by also loved creative writing and English literature and so at picked advertising design major, and you kind of have a period there where you can choose different classes when you first go to scat. And so when it did make first advertising class, you create a whole campaign, and you can't sell it in and and look at the insights and strategy behind and that really captured my imagination and think it utilize all the different skill sets that I had and so it was really sold on that in looking back. Now, I think I probably was not that interested in architecture. It just seem like a fancy job. Justify me going to art school. But yeah, that's how it got into advertising. Y'all would imagine, you know architecture advertising, that's like entirely different. I mean, they're both designed I guess in a way. But yeah. Yeah. One is certainly more visual and conceptual architecture. It's kind of like you're dealing with real world structures as it relates to that it. Yes. Two different kind of ends of it. There's the imaginative creative part of it. And then there's very much like real world sketching, oh, all those interior lake species and thinking about structure in electrical and all that stuff. But for me wanna make biggess issues, which wasn't really issue is that I was interested in so many different things. So I did technical drawing which is kind of the beginning of lake engineering a little bit at school as well. So I like that as well. So it was kinda just me trying to figure out what the best fit would be for major. So overall, though, what was your time? Like that's scared. Do you feel like you're prepared you once you've got out there in the working world? Most definitely I loved maintain that scat, I had really create advertising professors, and I think it did prepare you because at the time, I don't know if the program is different now at a time the advertising program was not the same as like, I think portfolio center man, I think you actually get paired up you're going in as a director, and you're working with the copywriter working with a strategist and different things to to put you the work together. It was almost like you had to work in all these roles to create your campaigns. So I did a lot of their very few people. I think who were there specifically for copywriting. And so I ended up doing a lot of copywriting for my campaign you end up doing it's a lot of work is very intense. And so you kind of you come away with the understa. This is why agency Leith is going to be late late. We're pulling all nighters, we're trying to get this work. Right. And to feel Ray. And to really communicate what you're trying to communicate sustainably is very it's very difficult cool through tons and tons of revisions and refinements I think there was a class where you did like a hundred thumbnail sketches to get to what you're trying to get to. And so when it went out into the real world and I couple inches. You know, people were very much like, oh my goodness. Thanks so much for being a trooper in lake sticking around. Oh, I thought this is what is to do. This kind of what I was trained to do this kind of be prepared to work really hard to find the rate solutions to sounds like it also kind of prepares you to be a a generalist in a way because you're doing so many different things in one role as opposed to just being. A specialist like just a copywriter just a designer something like that. I think so at least for me, that's what a took away from it. Like, I even had I feel like I had meetings after school where I think people didn't believe that it did all the work because usually you would rate credits rate like this personal the copywriter this person was the art director and so on and a it was me like I wrote it. And so I feel like I had at least one meeting where there were like so you did all of this lake. Yes. Written by Alana Marshall, designed by a lot of Marshall all of that. Absolutely. So once you left scan I'm interested to know kind of what their early moments of your career like what were those those early work experiences. Like because we said scat really kind of prepped you to know that the agency world is intense was that what those first experiences were like, so when I I left at first of all it was it's pretty hard to cry. It was hard for me to crack into the agency world, and so a focused more on the design site, and so I actually worked for while at captain planet foundation in Atlanta men is actually I don't know if you remember captain planet, the the team in our KOMO. And so did it allow work kind of giving grants to organizations who who work with kids, and we're promoting being kind to the environment and all of that. So that was a really great experience that got to do a lot of different things. They're working on web and digital. And they even did print presentation decks and stuff like that. And feel like every job that they had like, we're even though I was thinking they want to be an agency. It does come around to contribute to what you have to offer. In the end of the day. Also worked with the company that did more app design and web designing. And then it went to my first internship at Mullin in Boston. There are a really great agency to do a lot of great work. And that was a fantastic experience. It was of summer, internship, a whole class of interns work together. We did our. Own campaign, and we also worked with the general creative team for whatever they needed, and it was a lot again. It was intense. He worked long hours, but I think it solidified in my mind that that was I sure I wanted to do and pursue. I'm know if people realize how much of a I guess like a big design city Boston is I mean aside from a no. MIT? Is there Harvard graduate school of design and cetera? But even if you look at just the architecture and things like that every time I've been to Boston. I've been surprised by just how like robust the design culture is there. And it sounds like with advertising kind of plays into that. Probably as well. Yeah, there's great. There's some great teaser will. And now you've worked also at a number of other agencies before landing where you're at now at at ten thirty five for people out there that are listening that may want to go into the agency life, but don't know what it's like, and you kinda give I don't know like some pros and cons like what does it been like from from your experience, and we can't lay. Usually if you you have a job that has really amazing perks. There's probably a reason for that. You know, like if you go into the face Luker who campus, and they have lake, you know, amazing food and happy hours or whatever is probably because he gave it going to be working, really hard. It's the same thing for advertising lake. It's fun. It's really fun. You're around really creative people you're making work that you can see in the world is very cool to go and see like outta home at that, you dead or something pop up on your social media that you created and to be paid to to use. Your creative talents is very satisfying the cons, and it would depend on your personality. And what you want cons would be. You know, you have to work very hard to try to create some kind of work life balance because it can be kind of overtaking sometimes of your life. But you'll find a lot of people like a lot of different people that are in advertising already kind of obsessive workaholic people. So is not necessarily a cone. It's probably health ways. It might be a calm. But. How do you find that work life balance? I don't find there's a lot of it. But you have to kind of work at it. You have to stop yourself, and and have a life because that also adds to what you can you can deliver as creative if you're late in the world living experiencing another so while ago interview, the Omalie Lamont, I wanna say this was episode one forty seven or one forty eight or something and one of the things that she talked about that was important to throw them into what we're talking about. Now is about how designers and creatives kind of needs to find some type of like a balance like a wellness balanced, because it's often hard enough to be able to kind of conjure up your creativity to be able to deliver between I know say, the hours of nine to five or whatever because we know creativity strikes. When it does it's not clock that sort of thing. So it can be very strenuous physically mentally to kind of put all that out there. So she was talking about the importance of kind of having some balance to that after. So you can replenish yourself. So I totally get that. I feel like I'm starting to. I think I was better at it a year ago. And this is not to say before I started my job, which kind of did. But before I started where I'm at now, which is not to say, we don't have a work life balance. We do we have a pretty good work life balance. And they're very good about kind of pulling you to the side if they see like, hey, you're you might be doing a little bit too much right now. But. No, recently, I've been trying to sort of find that balance. So it can't be it can't be difficult. It's certainly something that I think we're all working at just trying. Yeah. Is definitely important. And I am better at it than it was like five years ago, something that you have to be aware of and know when he just needs to take that same fleet off replenish, so you have something to give you like I'll tell people before I get burned out that I'm I'm feeling a little crispy. And usually people know what that means my friends, what that means when I say that they're like, okay? Like, let's go out for a drink or something like that. Like, they get say that. So even I have to try to recognize that when it's when it's coming in. So I can try to do what I can in my off time to to stave it off. So one thing that I see designers do and honestly I see this from really entrepreneurs these are not necessarily folks that work in the advertising industry, but I'll see these terms of creative director and art director kind of used interchangeably. You being an art director, specializing in art direction. What do you see as the differences between those two roles? So. In my experience. So a creative director can either be a copywriter or director? So is just a creative that has basically moved up to rain moves up the ranks, and is no kind of managing the creative team. So at art director who's no moving into associate creative director mice. Specialty would be that. I would be more inclined to to give direction around the visual sight of it. But I should also have the chops to also look at the copywriting the head lanes in and the the messaging in heaven opinion on that as well. So in advertising, the creative director could be an art director copywriter, so they've got their hands multiple aspects yet like you're just kind of getting the overall vision and making sure that it's it's on the right path to what you. Think it should be to to sell that work in. So let's say you've got a new campaign. That's coming up. You don't have to mention any that you're actually working on at ten thirty five. But I'm curious, and I'm sure the audience wants to know as well, how do you approach a new campaign or a new project which your process like? So like if we're on a pitch for new business. It's a pretty intensive process. Researching working with the strategy teams to find the insight to understand exactly who we're talking to who our target is what they need what this product is is really offering what special about it. And so there's a lot of really wrapping your head around and understanding the need. And so then you're better able to to find what that solution is and to start creating that. So you really start from vary conceptual place, and some place of truth about what this can really offer in than than you go in and create the work, and that's the the longest part of it some long Nate's working on pitch decks. But yeah, so who are some of. Your influences like other people in the industry that you look up to that. You you've got to emulate in terms of your work ethic about looking up to people in advertising lake mind goes to kind of the advertising heavyweight Qena madman era Lee clo- apple Jorge Luis in terms of advertising. There is like a Ehrlich around the sixties like where they really developed this with he lake really interesting unique ways to to look at things versus just kind of hard sell so conic people and advertising campaigns are always kind of a benchmark like men would love to make something a conic that kind of makes this huge Mark on culture. But in general, I think also really inspired by not even necessarily people in advertising, but just people who are able to create their. Own lean build their own worlds. So that can be anybody from lake artists like a Hindi away Li like you created your own kind of very clear vision in space or somebody lake George r r Martin with game of thrones lake you really built out this world, there's maps and languages and and really intrigued and inspired by that. Do you have a dream project? Like that that you would like to do one day. You know, when I was a lot younger at wanted to be an author. I wanted to rate, and maybe maybe that would be dream project to kind of Bill some kind of staticy world bring that into the world do some kind of graphic novel or novel, but I haven't been making steps towards that. But I really appreciate it from the outside. You're doing the graphic novels on my like short bucket lists too. And I'm I'm starting to make small progress, but not enough I told myself this year, this is going to be the year that I've tried to make bigger larger strides towards it. Whether it's putting something out there publicly. So just other people can keep me accountable because I've been doing I've been doing so much of it sort of like just on my own off line like scribbling journals and stuff, but nothing that's actually out there that could get any sort of tangible feedback to improve. So I know what you mean. Sometimes you can get so caught up with your regular work that the thought of doing an additional project on top of that as a lot to to undertake. Yeah. But that that's important too late. I definitely think that being accountable and starting to share it with other people can keep you on track. What do you want to accomplish this year? Do you have any any big goals for the year? I think there's more general goals for me this year. I want to like actually what you just said to hold myself accountable. Create some kind of outlet weather is like a separate Instagram to create more of my own personal work personal projects. Like, I said, I was always very interested in art going up. So I would paint it was really into ceramics and sculpture jewelry making all these different things. And so I really want to make space and time to to create my own personal work was a big culture shock coming from Barbados to the states. I don't think it was a big culture shock because American cultures. Just so ubiquitous everywhere. So although, you know, you grow up with your very specific are Bidian, Caribbean culture nears soak music. Nick and all different types of food and all these different things. You also can't grow alongside American culture. So I think that all of the, you know, like sitcoms and movies and music, and you kind of grew up with that as well. So it wasn't a crazy culture shock. Interesting. I feel like maybe within the past maybe five to ten years. I feel like the concept at least here in the United States. The concept of of blackness throughout the diaspora has become a lot more multifaceted from people that are from outside like from people from the Caribbean. People from Europe people from countries in Africa, their influences, all that sort of stuff. Have you started to see that? I definitely think so I have a playlist called lake full island full island. Island afrobeat. Yeah. Like, I feel like there's a lot of different music. We'll see a lot of different even fabrics at African prints. Can't take claw being incorporated. More in just I think maybe social media has made it a lot more visible that there's all these other facets we black girl magic or black way. Joy when. Different. Yeah. I definitely see that from Twitter like, it's so interesting. I'll hear people talk about well, you know, South African Twitter saying this Nigerian Twitter saying that. And yeah, even like how they perceive means or, you know, just different things in pop culture. It's really interesting to see how much of that has changed. So so recently. He is the beauty of social media. Oh, yeah. I totally agree with that. Where do you see advertising going in the future? I mean with the work that you're doing an art direction. Where do you see it kind of going into the near future? I think it's an interesting space right now, I think in the past creativity was and these kind of larger than life figures were dictating to to the claims they were going to put a what was going to work, and because there's so many different aspects. Now that I think clients have to be aware of like you need to be aware of your social media presence you need to. Constantly create content. And so there's a lot more partnerships with a lot of different media, ends fees are creating content. So it's just it's a little bit different is kind of being redefined all the time like who were the creatives who's creating the advertising is not necessarily just agencies. So it'll be interested to see even within a couple years. How agencies are defined, and I think more and more agencies are trying to bring on more production capabilities and to be able to quickly Bill maybe building in studio able to quickly put oh, social media content. So yeah, I'll be interested to see where it's going. It's constantly changing agency models and how they what they offer. Have. You started to see more of the kind of reliance on popular social media trends, not necessarily reliance, but definitely taking into consideration. How you're getting this reach. You know, what I mean, it may not be TV anymore. It might be you partnering doing online series with social media influencers that are really relevant to your product. So definitely him more into account all these different facets that people are going to view your brand through. And they think definitely people are looking more at not necessarily advertising just talking to you. When hairs this TV Adams telling this in here's his print ad in selling this. But more of integrating themselves into what you're already viewing and watching and and not being obtrusive just kind of being trying to give you a reminder that this this the support this influence her and yeah. So if you seen either of the fire festival documentaries. I have not. But I heard a lot about about. Yeah. So the reason I wanted to touch him to that about social media is one of the things that I think we're starting to see recently about how there are these. I don't know I'm loath to call them agencies. But sort of like, these these social media companies are pop ups of some sort that are managing the work with much larger brands making thousands of dollars on social media campaigns, where they basically just lifted a medium or something from someone else, for example with the fire festival documented with both of them. Actually, there's a company called Jerry media. And then with that, they have I think the social media count is called fuck, Jerry. Yeah. And so basically what they're doing is. They're taking a repurposing memes are Joey they're they're like slightly shifting it soican fit in with Burger King or Wendy's or something like that like a big brand. And that we started to see backlash from it, particularly from comedians who realized that, oh, these people are stealing jokes. And that's not cool. So I was wondering if that sort of thing is that's something that has an art director or someone that works in advertising that you are kind of aware of is that something that clients like ask about like, oh, can we make this go viral that sort of thing? Yeah. Definitely aware that account, and yeah, people always want to make things go by role. But I think we definitely always start from place that we have to create our own content. Like that is just is messed up like we're not going to start with seeing this other video and either hopping onto that and trying to make the brand fit in there. I think specifically for me is all about kind of creating your own content asking to make something go viral is. It's a little bit of a like that's not how that works. Like you. You have no control over that. You try to make it added engaging as possible make as relevant as possible. Maybe you work in. We're with that influence to create contents and pay them to create that content. Yeah. Not cool. And I would say even what happens at the end of the day is that company may end up getting known for that viral success. But it's never the agency. Like, you'll always hear the company get lauded throw, they're they're saying this particular tone on social media something, but it's never hey, let's look at the ad agency. That did that unless you're reading at age or something I think the people would know who did it. But maybe the outside world would never know. What keeps you motivated and inspired to continue? I think that because in overall like I really love my job. I love when able to just. Sit and create because leg you talked about earlier like you're creating this from scratch from nothing. There's no formula for it. So every experience is different every assignment is kind of a new opportunity like this may be the next hugest thing. So yeah, that keeps me really motivated and excited abo- work. Just the the love of creating what advice would you give to anybody that kind of wants to take their work to the next level? Like, you have what would you tell them? I would tell them to to definitely there's portfolio reviews that happened. I think if you you look around your city, you could probably find them look at other people's books that are higher up the chain than you in advertising and see what about this makes this good. What a may may be lacking may be. It's presentation. Shen may be it's your kind of attention to detail lay. Really take a look at at how you're presenting yourself and also. Be confident present yourself confidently. Believe believe I think maybe fifty percent of it is believing that you are the hundred percent best ever and presenting yourself that we definitely the the presentation part is important. I think a lot of people have the belief down. And I'm just saying this from looking at resumes. A lot of people have the belief down presentation. Not so much rate. Neither work on the presentation. So yeah, I think those portfolio reviews are definitely a good idea. One thing that I tell designers is that it's important for me. Like if I'm hiring manager, for example, it's important for me to see what your design processes rather than just the finished product. So like sometimes, you know, you'll go designers website, and it's all like nice pretty pictures mockups. And it's like, okay, that's great. But you can see that anywhere. Like, what was the process behind getting to this point? Like, I wanna see. A case study, or at least a few paragraphs or in process work to get a sense of how you got from nothing to this not just here. It is. You know, seeing what that process is like, and how you thought about color choices or fawns or what considerations that you have to make because of the budget or because of time to get to this in result. Because you just see the end result. And it's like this nice. That's like it makes us knows that you're capable of doing the work. But it's really what I found is the thought process behind it. That's what will get you higher. That's what we'll have people talk about you in rooms where you're not, you know there. That's what makes people know your work when they can see kind of that process. And know that, hey, this is this is a lot of Marshall campaign like Kenji sorta. That sort of thing what advice is kinda stuck with you over the years. What's what's something that you've picked up? I think we we talked earlier about work life balance. But my dad always says everything in moderation that that kind of speaks to that as well where it's just they don't go overboard in anyone we Lague even with your job. You wanna do it? Did you want to do a good job? But you have to calm down. We're not doing brain surgery is not that the relaxed. I think sometimes it's easy to get really stressed though. And rarely overrun with a we have to do this. You have to do that. But everything in moderation lake have a little bit and do a little bit of work. Do a little bit creative exploration and just trae keep working and trying to find that balance for yourself in life. Do you feel like you're satisfied creatively? I think I definitely need. To make it a priority to work on my own creative pursuits, and I can't remember who said this. But it was a documentary about advertising any think maybe it was Lee clo-, but he definitely was late. Don't look to your job to satisfy you creatively. Because is not for you. You know what I'm saying? Like, you're doing this work to suit, the needs of this particular client, and that that's a whole other kind of process in his self. So if you wanna do work that suits your because we're not fighting artists, you know, like, you're not creating this work, and this is my vision. And this is exactly what I want your creating your vision using your skills and your talent to create work that speaks to this particular target and works on communicates. This message from this particular brand. But if you want to do work, that's all about you. And how you. You want to bring something to late. They you need to do that work for yourself used to create projects for yourself that you have complete creative control over. So. I think that was really good advice. Where do you see yourself in the next five years? So, hey, don't. Get her bat. I don't really have a kind of mapped out five year plan. The goal for me is always to keep growing keep evolving as a creative adding different skill sets and experience and to just be I want to be making work that I'm really excited about and so just to continue on a path where anything that you're doing or or work that you're taking on is something that you absolutely are excited about doing. And that's the only to get to a state where that's the only thing that you're doing is kind of the I think the overall goal and just to kind of wrap things up here where our audience find out more about you and about your work on line. So may portfolio site is Atlanta Marshall dot com. Also have linked in when a Marshall. So any updates will be would be on the website. Heard sounds good. We'll Alana Marshall I want to thank you so much for coming on the show. Thank you really kinda sharing. Just got him a peek at what it's like working at agency. And I hope that for folks that are thinking about agency life, or even that are like calling themselves aren't directors. But might not be kind of get a sense that there's more that goes into her than just a fancy sounding title. Like, there's a lot of work. There's a lot of preparation. There's a lot of moving parts that you have to handle. And certainly I think in the city of you've been able to kind of articulate that. Well and show people just, you know, not only how much goes into it. But your passion for being in our director at how much influence you creatively. So thank you so much for coming on the show. I appreciate it all stack. Neatly? Thank you so much for having me. And that's it for this week. Big thanks to Alana Marshall, and thanks to you for listening. You can find out more about Alana at her work through the links in the show, not glitch dot com forward slash provision. Also, thanks as always to our sponsors. Facebook design can design and meal. Chip. Designing a Facebook means more than just making pixel perfect prototypes. It's designing experiences like disaster relief, tools or get out the vote efforts. It's working on problems that transform a number of different industries. And it also means caring about the design community and giving back to it as well if you'd like influencing strategy and working alongside technical leads and engineers on a product from start to finish in Facebook design might be for you. Learn more at Facebook dot com forward slash designers. Giving designers cooperative effort led by designers writers and developers at. They work across teams to publish original content produced great events and foster creative and educational partnerships at advanced, design and technology. For more information on news design resources and designed podcasts. Check them out at design dot com. Mill trip is the world's largest marketing automation platform, this support millions of customers from small e commerce shops, the big online retailers and the support the creative community as well, including us make emails as landing pages and more all without ever leaving the site visit mail chimp dot com. Sign up for free account today. 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And we'll see you next time.
"Hello welcome to stories podcast. I'm your host Amanda Walden. Today's story is called. I'm bored unoriginal. Story Co written for you by myself and Daniel Hynes today. We'd like to say a special thank you to Anika and Julian Home Guard and their family in La Paz. Bolivia Jude McIntyre and his family in Somerville Massachusetts Daniel and his family in Nashville Callahan and his family in Baton Rouge Matteo Stella and Zora and their family and Layla and McKenna Cass Meyer and their family an Eagle Rock. Arkansas thank you so much McKenna. Leyla Zora Stella Matteo Callahan. Daniel Jude Julian and Annika. You are part of. What makes it possible for us to continue to produce fun new stories for our listeners? If you'd like to support stories podcast and get every episode Ad Free Head over to Patriot dot com slash stories and join for just one dollar a month if you'd like access to all of our e books or to receive a thank you in a future episode. That's also available at patriotic dot com slash stories. Don't forget to follow us on instagram stories. Podcast if you send us a drawing of your favorite character or seen we'll share it on our feed now. Here's a word from our sponsors. Thanks enjoy the episode. I'm bored aiden slumped over the kitchen table spreading his schoolwork in a pool around his face. He peaked up at the clock on the wall. Hoping that maybe it would be time to take a break for lunch. But it was only nine thirty. How was that even possible? Eight an estimated that he'd been sitting at the table doing work for at least maybe seven or twelve years but actually it had only been about an hour and a half. I'm going to be doing this forever. He groaned into his hands. They'd been stuck at home for a month now an entire month at first it had been kind of fun. There was home. School home recess home movies and home arts and crafts and home. Pretty much everything. The mornings were nice and relaxed because no one had to hurry and get dressed and then run for the bus sometimes. Eight and even stayed in his cozy pajamas all day. Long and lunch was way better. Yummy grilled cheese that eight and got to help make which meant lots of extra Cheddar and cutting on the diagonal so he could have triangle pieces instead of square eight and even got to do as karate class still. He just did it from the living room while his teacher taught from home sometimes she even used silly backgrounds that made it look like she was teaching karate from space or a beach in Hawaii. That had made eight and Giggle a lot. At first it felt like vacation but now the shine had worn off. Aden was sick of staring at computer screens all day. And he wanted to do karate in the actual karate building not the living room. He was sick of not having anyone to play with except for his little brother. Tommy who couldn't play any fun games because he was only three and a half. He was even sick of triangle grilled cheese and cozy pajamas. Aden was sick of staying home. How's the school going? His mother called in from the other room. Mom seemed to have no problem being home all day. She was always doing laundry or gardening or singing songs with Tommy or bread and taking pictures of it or working at her computer. She never seemed to get bored like aiden did. Are you making any headway aid and looked at all the homework papers? Strewn about most of the questions were only half answered and most of those answers were only half right It's going okay. He shouted back and picked up his pencil. He'd been working on a match sheet all morning and he looked at it again trying to concentrate. He did a couple fractions but then got stuck on a hard one. The numbers swam on the page in front of him and eight and felt like he couldn't grab on long enough for them to make any sense. I don't WanNa do this. He said to himself math was hardest subject by far and he always needed help from the teacher in class. His friends always helped him out. To Jamie was really good at fractions. He could always explain stuff to eight. And in a way that made sense and Clo- was pretty good at math too but most of all. She was just really funny so no matter what they were working on together. Clo- could make it a good time but right now it was just aiden no teacher. No Jamie no Clo-. He threw down his pencil. Math was boring. Being home was boring. He was bored. Mom I'm bored. Mom was in the living room with her laptop on her lap and she looked up when eight and walked in the TV was on low and playing some little kids. Show for Tommy. Who was half watching in half playing with some blocks? Your bored mom asked. How can you be bored when you have schoolwork to do because it's math and it's too boring eight and said I can't do it anymore? Mom Put aside her laptop and looked up at him. Oh Kid I know this is a tough time but you need to learn stuff even math. I don't WanNa be sitting here working but I am and I need you to work too but this is so boring. Eight and said holding up his worksheet. Is it really boring or is it something else? Mom asked ruffling his hair in shrugged. Do you think we could figure it out? Eight and said not trusting the direction of the conversation. So when you got bored you were doing math. What were the thoughts you were thinking when you were working? Well I was thinking about this one problem and I couldn't figure out the answer so then I was thinking about how math is really hard and how if I was at school. I could ask for help from the teacher or Jamie but I'm not at school so I guess I'm just never gonNA figure the problem out aid said letting out a sigh. Mom nodded with a knowing smile. Yeah it's hard when you don't get something and you feel like no one can help you. It sounds like maybe you weren't quite board. Actually maybe you were really frustrated. Yeah I was frustrated. I guess Aden said nodding. I still don't want to do my math homework though. Mom laughed Yeah I get. That math was never my favorite subject. Either here's an idea. Why don't you take a break from the worksheet for now and we can email your teacher and let her know that you need some help with fractions. Maybe she can set up a time to go over it with you later today or tomorrow so you won't get stuck anymore. Does that sound like a plan? Yeah that would be good eight and said feeling a little better. Can I be done working for the day? No but nice try. Mom said then. She taps some keys and opened his homework schedule on her computer. It looks like other than math. You just have to read for half an hour. We've got lots of good books upstairs. Are there any you've been wanting to get to? Oh Yeah Eight and said remembering a book. Jamie had given him his last birthday party. It was about a kid who got stranded in the middle of the woods and had to survive with only a hatchet. Jeanie said it was awesome. I'll go right now. He said and ran up the stairs. Thanks mom he called behind him. You're all come. The book was just as good as Jamie said afterwards. His teacher video called him and he finished his math work for lunch. He made himself a peanut butter and fluff sandwich his other favourite besides triangle grilled cheese and eight with his mom and Tommy while they watched youtube videos after that she had to do some more work but Aden was done school for the day so he and Tommy went out to play in their grassy little backyard. Eight and tried to teach Tommy how to throw a football so they could pass it. Back and forth. But Tommy's hands were way too little and he basically couldn't catch at all so it wasn't that fun Clo- was really good at playing catch and also did goofy stuff like throw the ball under her leg or jump and spin around before she caught it which always made aiden and Jamie laugh next. Tommy tried to get aid into play a game with him where Aden guy and pretend to come catch him but it was hard to follow along because Tom kept changing the rules and telling eight into do different stuff. That's just how little kids play. Jamie always made up the best weirdest games to play like dinosaur tag or aliens vs princesses and they all took turns playing the heroes and the villains so nobody had to always be the bad guy. Eight was relieved when it was time for Tommy to go inside and take a nap at least now. He could play whatever he wanted without having to entertain his little brother but nothing seems that fun to do alone Janey and Clo- and Aden always played together every recess at school before when everything was normal they used to have play dates on the weekends and sometimes even sleepovers. They'd go to the park near Jamie's house and take turns on the monkey bars or they'd ride bikes enclosed neighborhood. Not Anymore though eight and hadn't seen them in weeks sometimes they chatted on Messenger but never for very long and it just wasn't the same aid and heaved a sigh. There was nothing fun to do in the backyard. Somehow even his free time was making him board mom. He called out walking back into the house. She was on her computer working and held up a finger to shush him eight and peaked and saw she was on a video conference call. She was using the space background. Aden's favorite. He kicked off his shoes and threw himself on the couch more bored than ever until he finally heard his mom. Say Goodbye had to finish my meeting. She said plopping down next to him. What's going on. I'm bored eight and said lying back on the couch dramatically. There's nothing to do. His mother put an arm around him leaning close. Come on now. There's plenty to do. She gestured at all the blocks and action. Figures and gain strewn about the living room. No one had been great at keeping things picked up lately. But maybe you're not feeling great so none of it seems fun. I feel fine. I'm just bored. Eight in grumbled okay. Well what were you doing when you started to feel bored? I was outside with Tommy playing with him and I love him in everything. But he's so little and he can't play the Games I WANNA play. He can't really play dinosaur tag because he's too easy to catch and aliens vs princesses would definitely be too hard. Because he wouldn't remember all the rules. I could've played by myself when he went in for his nap. But I couldn't think of any good one person gains sounds like you're feeling a little lonely mom said you must be missing your friends a lot. Yeah I wish they could come over for a little but I know they can't. Oh Yeah I definitely know that feeling. Mom said it's hard to be away from the people you care about. Eight and nodded and mom gave him a squeeze. They sat there like that for a little bit. I have an idea. Mom said after a minute. Why don't you grab your art supplies? Why asked Aden well? I was thinking you could make cards for Jamie Enclo- you could tell them all the things you want to do when you hang out again and all the places you WANNA go. Okay said Aden I can ask Jeannie if he has any game ideas and clover any jokes and then maybe they'll write me back. I think they probably would alright. Is it okay? If I get the pains out to eight and asked already rushing to the cabinet. Yeah that's okay just put on a smock and try not to make a mess. I have to do another conference call so I'll be in the other room. What background should I use? This time. maybe Eiffel Tower eight and said as he started to cover the kitchen table with newspaper. Good idea mom walked into the other room but Aidan wasn't even paying attention. His mind was already spinning with ideas. He'd make Jamie's cards shaped like a robot and he'd do close like a heart they all had the same favorite color orange so he'd used the orange paper and paint on blue decorations. He just learned about complementary colors in his home art class. He got all the stuff out and happily got to work. He started with two cards but then ended up making a bunch more. He used paint and glitter stickers. And he knew that Jamie and Clo- would love them when Tommy woke up from his nap. Eight and helped him make some pretty finger paintings that mom could hang on the refrigerator after that? Aden and Tommy and mom all work together to clean everything up. An aide input two of the cards ones that had dried off enough into the mail to get sent out the next morning. It was a pretty good afternoon soon after that dad came home from working at the grocery store and they all cooked dinner as a family. Dad Did the shopping mom. Did the saw taking an eight and broke up lettuce tomatoes for a salad. While Tommy Shukan the crumbled fettuccine after dinner. It was time for Tommy to go to bed and then it was just mom dad and Aidan. Can I interest you in a game of Crazy Eights asked Dad I dunno. He was feeling that feeling again where everything just felt kind of Iq and nothing really seemed like it would be that fun back. When they still had school he'd be thinking about seeing his friends tomorrow. He'd be thinking about funny jokes to tell Clo- and getting excited to tell Jamie about reading the book he'd given him thinking about what to wear and if the weather was nice enough for his new spring sneakers he'd be thinking about crowded lunch lines and busy playgrounds. He wasn't going to school tomorrow. And the worst part was that aiden didn't even know when he'd get to go back. It kept changing and they kept having to stay home. He'd stayed home yesterday and today and tomorrow would just be more of the same. It didn't feel fair. It was like he was grounded but he hadn't done anything wrong. It wasn't fair every day now was so similar and they were all so boring. What's up aid? Dad said looking with concern at his son. You look like you're feeling a little bummed out. No I'm just bored. Oh all right. Dad said well. You could play cards with us. He offered again cards. Are Boring aid sulked. Do you think we should watch something on? Tv Mom asked no. I don't want to watch a show where play cards. I don't WanNa Watch TV or listen to music or read a book. I'm bored of everything eight and has been a feeling bored a lot today. Mom said to dad. What were you thinking about when it started this time? I don't know I just ate and sat down. Tier starting to gather in his eyes. T- Felton angry feeling deep in his belly like he was mad at someone but there was no one to be mad at everything was just so weird. I just want things to go back to normal. He finally said and surprised himself when he started to really cry. His parents hugged him for a while. Not Saying anything just helping him calm down for a second. It sounds like you're feeling really sad. Mom said that's okay. We get it. This is hard for us to it is eight and asked surprised. Yes said Mom and dad together nodding their heads. I still have to go to work. But it's different now and we have to be so careful said Dad. It's hard when things change. All of a sudden there are so many new rules to learn and just a lot of stuff to get used to and I love spending so much time with you and your brother said mom but I miss your aunt Carol and my Book Group. I even this going into the office. I even missed my commute. I even miss math class. Eight and said smiling a little. It's normal to miss things. Dad said. It's especially normal to miss feeling normal. Yeah eight and said. I'm mostly miss my friends. I wish I knew when we'd get to hang out again. That makes sense. Mom said you went from seeing them every day to not seeing them at all. Of course you miss them. She looked away for a second and picked up her phone. You've been doing a great job. Eden Dad said giving him a hug. Your all caught up on your work and you're helping to take care of your brother. This has been really hard but it's important and it won't last forever one day you'll be sitting in math class and you'll be wishing for a day off to bum around. The House aiden smiled. He knew that would definitely be true. One day I just texted Jamie close parents. Mom said looking back up again. I don't know when you guys are going to get to see each other in person again but I do know that tomorrow afternoon. You three are going to have a video hang out for a good long while really asked Aden. His friends finally really said mom. We should have done this awhile ago. It's important for you to see your friends. Thanks for telling me how you feel today when I know that you're having a tough time. I can help you figure out how to feel better. She gave him a kiss on the forehead. Alright Kiddo you have about an hour until bedtime. Dad said if you're still bored why don't you make a list of all the things you want to talk about tomorrow with? Jamie and Clo- that's a great idea eight and said already tearing back up the stairs to his bedroom he needed to ask Jamie for some games and he had to tell. Clo- about this new comedian. His Dad showed him pulling out paper. He spent the next hour writing down all the things he'd wanted to tell his friends about for the past few weeks he fell asleep happy and the next day he got all his schoolwork done really fast so he could see his friends his mom set him up on the video call and just seeing. Jamie and Clo on the screen. Put the biggest smile on his face. I miss you both so much. He said me too said Clo- me to laugh Jamie. I've been playing game where draw me's with sidewalk chalk and I have to hopscotched through it and it's pretty fun but I wish you guys were here to try. That's sounds awesome eight and said I'll have to try a my house me to said Clo- I've missed you guys so bad. I've been out back acting crazy trying to get the squirrels to like me. How does acting crazy mega squirrel lake? You Jamie asked. They have to think you're a not close said and they all broke up. Giggling EIDAN laughed and laughed with his friends. And they all talk together until bedtime. It wasn't boring at all the end. Today's story I'm bored was an original story co written for you by myself and Daniel Hynes and perform for you. Buy Me Amanda Weldon Stories. Podcast you can leave us. A five star review on itunes get free episodes and more at Patriotair Dot com slash stories. Check out all of our merch available at stories. Podcast DOT com slash shop? Follow us on Instagram at stories. Podcast or simply. Tell your friends about us. Thanks for listening.
Ask The CLO 06.04.20
"I'm Katie couric both Saint John I'm an award winning journalist and I'm a trail-blazing marketing executive, and we sound kind of full of ourselves, but together we're hosting a brand new podcast to help us look beyond our pandemic presence. It's called back to Biz with Katie and votes. Each week will interview the leaders and big thinkers in industries from Tech Education to fashion and pop culture to find out how they're adjusting to this new way of life. Listen to back to Biz. Kadian foes on the iheartradio, APP Apple, podcasts or wherever you get your favorite shows. Steve on this break. Let's try to make people laugh. Okay, that's what you're the best at ever this. We're GONNA do a quick fast round seal. Oh okay all right. You can submit your questions to Steve at Steve Harvey FM DOT COM. That's to the CEELO this one. Steve is from jewel in Norfolk Virginia Jewel says I've been married for only three years, and my husband has one flaw that irks me. Me Whenever. We're out. I can be in the middle of a conversation and he staring at a woman with a nice body walking by he also will smile and nod his head at a woman if he gets her attention, he says he's from the south, and that's how men and women greet each other. It really messes up my self esteem when he does it. How can I get him to stop this? Well I mean I don't I. Don't know how to tell you. Give him a stop it, but let's talk about what you just wrote in i. You said what Irks me is I could be in the middle of a conversation. What is he conversations about? Because? Obviously, he ain't paying attention, Oh okay. Alley No, no, no! I'm not no I'm not saying she's doing anything wrong. You Boeing ask compensation. Cheek? Now, the other reason and the real reason is. The reason he does it repeatedly is caused are no consequences for doing it. All they do is irk you. You, he has no consequences and UPN. Our guess what to tell you I'm from south. We gentleman we speaks to women. Were male. Is that the true Hail No. I'm telling you that's what he told her. If you eat enough to go with that, we from the south. Everybody on this show from the South But we are wives, male student module module from south to that's Today on problem. That would work call from south desk to other damn. Crap. Surely, country from the soccer. She really for mogs. Stop along the Chicago. People wouldn't from Chicago. All! From Arkansas. Okay. All right here we go with another question. This is from Sarah and. Terrible Texas. She says I am a forty four year old woman dating a thirty six year old man. And a woman called me recently and said she has been having unprotected sex with my man. My man acted shocked and said his crazy ex. Playing Games needless to say we had sex since I. got the call called his ex in invited her over, so we could talk, but she swears she didn't call me should I. Keep trying to get to the bottom of mess or tell this man to go find someone his age to play with. You, call somebody to come. Get, to the bottom of IT Steve. delayed. He said it didn't have sixty. She's supposed to take her word all right. We gotta go coming up next the saints quarterback drew. BREES is in hot water. We'll talk about what he said. These ball team don't be safe, super, students. Right after this you're listening to. Morning, show.
Ask The CLO 10/06/20
"At target each item you put in your cart brings more good to life like a coffee brand that more is to black business natural laundry detergent that puts a lighter load on the planet wheelchair. Friendly Halloween costumes set make believe in motion and make up at celebrates beauty in every shade. Here, the good you want is always within reach because target we believe in good we can all afford. What's it like to drive the Volvo xc ninety plug in hybrid? The thrill of four hundred horsepower t eight twin engined. The joy of impromptu tramps. And Serenity. Of Electric power in pure ECO mode. visit. Volvo retailer today to experience the xc ninety recharge plug in hybrid for yourself. All right. It's time now for the. Clo- are you ready? MR chief love officers. Ready. All right. Here we go. This one is from demarcus Carl. Bed Name you like autos name. demarcus. This one is from demarcus in Tampa. My girlfriend said a traffic I fell right into it. I cheated on her before and she doesn't trust me. So she had one of her coworkers approach me at a restaurant while I was out to get right to the point that girl was beautiful. We flirted exchange numbers and I called her that night I told her that I was single and lonely and asked her if I could come over and get to know her a little better. It was one o'clock in the morning she record the conversations for my girlfriend. I'm single now for real. How can I fix this? Dog. Fix this. Bond you get a new girlfriend who start over. How? He is Did he say he didn't say how old he was Steve Yeah. They they set you up dog you got to get out you'll never be right which oh girl. This girl living trusts you. And why would she take you? Right? Right. She did one thing to see if you was true and you failed it. Ninety managed off because you you want it to look fine. When defined thing places So I don't know what to tell you. You know. That A. His real is. Louie yeah. One Not. On that I would not him he to would you say? How could he lie? Dementia rose, and my, family. When I was talking to I thought it was you. See, you have an apple by the way national eat fruit at workday. But anyway, let's move on cliff in Nassau Bahamas. Glimpse says, I'm thirty six years old and I've been staying with my dad to help run his business after he got the corona virus, he was in bed for a week and so. Then he started getting better he asked me to stay a while longer because he's still week I've been sleeping on his couch and from what I hear every night he is totally fine now and back to normal his girlfriend comes to see him often and they sound like they're making porn in there I hate it when they're using me hated that he's using me to do all of this work at the store while he's putting in work at home. Would I be wrong to Lee? Really Lisa Dan Look I've been man. Seem like you are. Just. Seem like you but I gotta get back to my life. And I appreciate you man and tell a phyllis. To Guess Gone, just keep. The girlfriend to grow. Old. Geraldine. Hailing. My beloved mother's name. You Know Harriet. To Jerry. Balancing while not take. So, he wouldn't be wrong to leave. He wouldn't data's. All right. Wow Okay All right. So this was from t t in conyers Georgia. Says my fiance and I have a blended family. Am I am the and I'm the only one that's trying to make it work. He has two daughters and I have a son and we're all living under one roof. His children's mom is a big problem. She shows up at our house unannounced in he refuses to confront her she talks to us through the girls. So it's usually put your daddy on the phone and then she goes off on him. He has told me that I'm the woman of the House, and I, need to get her straight. That's his responsibility. Am I right or wrong? you the woman at a housing you need to get straight. Okay. So what's demanded house? Part in this as seen as hot as he is X. and she don't call and say put your step mom on the phone she called and say put your daddy right. Then he walk his ass over there and get on the phone. So now is his responsibility to check her. And she can't show up at the house. Now now now now I would stop her from showing up in my house because your house. I would definitely stop up from showing up at. Exactly Oh yeah. Yeah. Oh you liked surprises. Okay. Can You Bring you over here again. Surprise. Yeah, she's bitter in upset. Yeah, she's bitter. I mean she should be happy. They're all. They're all living under yeah. They're all living under one roof trying to make a family trying to make a go of it. You know she's just they're causing confusion the X. because she's allowed to True. Yeah. You know that's right. Can Stop to this. Every action, you deserves an equal and opposite reaction. Okay, social. Her action was put your daddy on the phone and she went off on him. So which what should happen after that? He busy. I'm sorry I thought I thought they said, put your mammy on the phone. You've got someone say. What can I do for you? Okay. So He. Goes through this. You. Trying to say, right? I knew what you meant. Yeah. Because there are a lot of blended families in the world there there really are, but you're right Steve He should definitely get her straight, but she is the woman of the House. Once he gets her straight than she could take it from there. For. Dad, there's no allowable disrespect in the house own anybody's part from the exit not at the House you can facebook and post and say whatever you. WanNa say I can't stop that but you're not coming to this house with right. How long does if she was that bad, your girls wouldn't be over there anyway if she was that bad of a step mom. All right. Thank you. Great advice as usual coming up next the nephews out. But you know who will be here holding down junior. With the run. Their. Prank. Back. This you're listening to Steve Harvey Morning Show. Curious about how the corona virus impacts our climate WanNa know who's crushing it on Tiktok and also giving back to our hashtag healthier rose. Can you guess what's the one thing everyone's missing most in quarantine? Hi I'm Bethany Vans Elfed, and this is the ten news ten minutes of news and fun for the new generation of curious thinkers. We may even throw in a couple of fun facts to. Did. You know before nineteen thirteen parents could mail their kids to grandma's house through the postal service I can think of few places like myself right now just think in less time than it takes you to speed run Super Mario Brothers we'll make sure keep you informed and entertained listened to the ten news on the iheartradio APP apple podcasts or wherever you get your podcast with new episodes, every Tuesday and Thursday. France are going to be talking about tomorrow. Imagine. You've been playing football for years dreaming of going pro. And then it happens. Life is you know it changes with a phone call. They call it the real. Goal. This is Keegan Michael, key and welcome to drafted. This podcast series follows eight players as they enter the twenty twenty NFL draft. This is their real life as it unfolds in real time and each player tells his own story unfiltered. I'm not a first rounder, not even the top three rounder. This is something I've been dreaming and now I've been doing this. We, go behind the scenes before during an after one of the biggest stage of their lives, and we relive every detail from the players perspective. please. Join me on the first step in their journey the greatness. Welcome to drafted listen to drafted on the iheartradio APP apple podcasts or wherever you get your podcasts.
Ask The CLO 07/30/20
"Did, you know GEICO's now offering an extra fifteen percent credit on car and motorcycle policies? That's fifteen percent on top of what Geico could already save you. So what are you waiting for your dentist to actually believe you and your flashing every day? Absolutely great, and you're cutting down on your sweets, of course. Wonderful. Then I don't even need to look in their great see in six months. There's never been a better time to switch to geico save an extra fifteen percent. When you switch by October seventh limitations apply visit GEICO, dot com for details. Hi, I'm Caitlyn Durante and Jamie Loftus, and we're the host of the Bechtel. Bechtel cast on iheartradio each episode we invite Comedians Writers and film critics to bring their favorite movie and analyze it and sometimes tear it to shreds using an intersectional feminist Lens and the Bechtel test as a jumping off point for discussion, it's the funny comprehensive movie analysis podcast of your dreams recent episodes include space Jim Harriet the spy and set it off new episodes of the Bechtel cast. Come out every Thursday listen on the iheartradio APP or wherever you get your podcasts time now for Asa. C L, O C L O in the building. That is the chief love authored the one and only Steve Harvey Ready Mr Clo. Right here, here we go. This is from Lucia in Gary Indiana. She says, my brother-in-law's dating a new woman that no one in the family can stand. We've tolerate her because we love him this woman sell sex toys for a living, and she doesn't have the best reputation. She walks around in shorts and rampers with her booty cheeks hanging out the bottom. It's tasteless class lists disrespectful to walk around my husband and teenage boys like that. A female relative talked to her about how she presents herself and she got very confrontational. How do I enforce some boundaries with this woman with out her trying to jump on me. More. Jogi. Jumped all. Women who walk around with their booty cheeks out have jumped on capabilities. You have to be prepared. Because, you are dealing with the person who has no problem showing as so nowadays. You think. That she ain't no ACA food. If you say some tools give, she has her booty out for a reason why her specialty is showing. That's right. This is go. Don't worry about this this angle. Laszlo. You sell sex toys. And you walk around looking like a six toy. Business. It's a billion dollar business, but she ain't getting the whole bill you. Got? The booty, but not. Don't worry about this too shall pass. Angel Port Arthur Texas says I'm a twenty, five year old single mother of a two year old, and I recently broke up with my child's father. I've started dating again and I met a ninth. Scott. Online. We talked for two weeks before I told him. I'm a single mother. He said, he didn't WanNa talk to me anymore because my child is young and he's sure there was a little drama still going on with my child's father. He's correct, but I have it under control. Should I wait until my daughter is older to start dating or? Issues with her father are totally resolved well is is two things you gotta do foot number one. You got to try to get the issues resolved just for your own peace of mind. That's for starters, and secondly, you talk to mayor for two weeks before you tell him, you have a child. He don't look what the reason he gave you because I'm young and I'm sure steal some problems. He'll well no problems but. The some man, you twenty, five years old, just don't want a young child into pitcher. So you talk to a man, I think early on is important to let them know who you are. The child is never going to go anywhere and that that ain't. Now you surprise a person with. Hey, have i. told you I got a baby. We've been talking for two weeks. What the Hell you mean have? I. Told You Hell. No, you ain't told me so it could be product. So I would I would be a little bit more forthright in your dating. Because, a lot of me ain't got no problem which you have in a child. But when he don't WanNa data woman, it's got a child. Didn't didn't ask on beady excuse, but you need to work out your situation which a gag get the problem solved. So you for your peace. So how should she say it how you said tell them right away? What should she say? Hey. Tell me a little bit about yourself. One of twenty, five years old. I have two year. Old Son. I'm single. Week, Desi. It's To. All right. She She thought. Could you own the phone so good. All right now, how you doing what you got off? To. School. Could already. Got, the lightstone what you got on, we're like A. Nobody thinks goat. All right. We're moving on. This is something you can relate to wealthy biggie in Charlotte north. Carolina says I'm fifty. biggie. In. Charlotte. said. biggie. Gigi? No. Big. BE IN CHARLOTTE. Big E. I thought you said big you to know. I'm a fifty year old divorce man and I'm in love with the woman that likes to be spoiled. When I met her, she had a nice car townhouse fine jewelry and she was well traveled I own several insurance companies. I, was initially attracted to her beauty, but I love that she's financially secure. I don't mind buying her nice things, but I hate it when she asks for things and expects me to get them. She said I should give her my credit card. So she doesn't have to ask me to buy her stuff. I would love love her I would love to marry this this woman. But this is this a red, flag. ME. Or the money read flake. Is. Plain in. Play. Cardboard destined Christian louboutins building. Flag, there was the red bottles, red roof career walls run. He'll man partner, you should give me your credit. Have to ask you for money. To do that which you know thinking ahead. Come we. Dayton. What. He. Said, he would love to marry her. Go here. Go here. Don't get mad. He'll go ahead. Is that a red flag, you go believe how big this flag is. A. Pass on this one partner. Probably. Just wants a couple of. Begging then why she begging for the car? He didn't say begging says. Donald. Date most people in a position to just give you a credit card. Let you go do what you WANNA do now. Is Very. Very few people that got dead. I know really really well off dues married that house. Some real problems when that credit card get out of hand. All right, well, coming up next. Thank you. CEELO nephew Tommy in the building with the prank phone call. After this, you're listening to Steve. Harvey. Morning Show. Made by women is a new show brought to you by the Seneca Women podcast network and Iheartradio, we bring you inspiring stories in shared learnings to help you successfully navigate today's environment benefit from the experiences of legendary entrepreneurs, as well as everyday women in business who have found success their own way. Considerate your real world NBA designed for the new. Now, I'm Kim as early, and you can listen to made by women on the iheartradio APP apple podcasts or wherever you listen to your favorite shows. Hi. This is Lee. Rooney. End Mike Rimba, and we are very excited to announce that we are finally doing a podcast. Yes, and the name is scientology. Fair Game Everybody Scientology Fair Game. And thank you to all of you because we tweet it out like, should we do a podcast? Overwhelming. Yes. Amazing response. Listen to Scientology Fair game on the iheartradio APP apple podcast or wherever you listen to podcasts.
Are Banks Safe?
"Welcome the money for the rest of us. This is a personal finance show on money how it works how to invest it and how to live without worrying about it I'm your host David Stein, episode three five. It's titled How Safe Are Banks. Last month they had several plus members. Share an article with me. That was published in the Atlantic titled Becoming Bank Collapse. The subtitle was the US. Banking System could be on the cusp of calamity this time. We might not be able to save it. Article was written by Frank Partnoy. He's a law professor at UC Berkeley. That's a pretty ominous title. We WanNa look at the article as well as the state of US banks and banks around the world. Should we be worried given the pandemic is the banking system poised to collapse. I was especially interested in the article, because it came out right after I had increased my allocation to stocks and added a preferred stock et after the money for the rest of US plus model portfolios. The particular preferred stock after us by shares has about twenty six percent allocated to banks and banks are on the cusp of this calamity that does not bode well for preferred stocks. In the article, Partnoy is particularly worried about banks exposures to an esoteric security. A collateralized loan, obligation or see Elo. We Discussed Sea Ellos back in episode two six in May twenty eighteen. collateralized loan obligations are asset backed securities issued by special purpose vehicles or s peeves. The S P V purchases leveraged loans which are non investment grade bank loans that have been syndicated. A, bank will make a loan to a Non Investment Grade Company, a higher risk company and then sell that loan into the marketplace. Many of those purchasers are Clo's is over a trillion dollars of leveraged loans outstanding. and. Most are held as part of these collateralized loan obligation structures. The way it works. Is that s? Cells, debt and equity securities that comprise to see yellow. Those securities are backed or collateralized by the leveraged loans. The CEELO has multiple layers tranches that are sold separately. The debt layers are rated by credit quality, so the senior layer is triple A.. There are lower rated debt layers known as mezzanine layers, and then there's an equity layer which is unrated. The payments on the underlying leverage loans, those payments are pooled together and flow in order. The first payments go to the senior AAA layer then to the lower rated layers, and then finally to the equity layer. That is known as they waterfall. The debt tranches are over collateralized debt ACL Oh might have issued five hundred million dollars in debt securities as part of the L O that are backed by six hundred and twenty five Million Dollars Worth of leveraged loans with the Additional One, hundred, twenty, five million in loans funded from selling the equity trunch. Each Cielo about one hundred and fifty to two hundred and twenty-five loans. And because the leverage loans, themselves are floating rate notes. Their interest rates will fluctuate as short term. Interest rates change the debt tranches within a cll are also floating rate, so there's some protection if interest rates rise. Now because of this waterfall structure, the equity tranches takes the first losses, then the lower rated debt tranches, and finally if it gets to that this senior triple, a. rated debt trench suffered losses. That hasn't happened before. The SNP does a global Cielo report looking at default rates. From Nineteen ninety-six to twenty, eight eighteen overall default rates for CEELO's was zero point five percent. The worst vintage year was sea ellos issued in two thousand eight. there. The default rate was one point seven percent. There have been no defaults in CEELO's issued between two thousand, nine and two thousand eighteen. And from that one, thousand, nine, hundred, sixty, two thousand eighteen period, there has never been a default for the triple eight trunch, and only one default for the AA trunch. Now as you know, we are in a pandemic and defaults within the High Yield Bond and leveraged loan space is increasing. Fitch estimates the twelve month default on leveraged loans is four percent, and that more than two hundred billion dollars of leveraged loans will default through year end twenty, twenty one. Adequate to a two year cumulative default rate of fifteen percent. Just because leverage loans are defaulting doesn't mean all the different tranches of a coo is experiencing a default. So a report on the wall, Street Journal from mid May that showed about ten percent of Cielo managers have been diverting cash flow away from equity investors and going to the debt tranches, which means there have been default that are starting to impact that junior equity trunch. What is different from this cycle, though is leveraged, loans are more risky and we discussed that in episode to a six. The covenants on these loans are less restrictive. The credit quality is lower. The financials are weaker and so we should expect defaults to increase. Question is will see a low default and other defaults and other loans impact banks to where we should be worried about our savings or investments that we might have in banks. In banks securities. Including their common stock and their preferred stock. Before we continue, let me posit share some words from one of this week. Sponsors simplify. A lot is up in the air right now especially when it comes to our personal finance. I suspect your spending. Habits have changed just like mine, but despite these changes we shouldn't let our personal finances. Get us down. Simplify is here to help. Simplify quicken makes it easy to see the big picture. Stay on top. You're spending and save like a pro. Say Goodbye to surprise charges from subscriptions. You forgot you signed up for simplify. Makes it easy to monitor all of your spending, so you'll never in the dark. simplifies all about balancing today and tomorrow. Other financial APPs primarily track what's happened in the past, but was simplify. You can find the right combination of today's small pleasures while still working toward your financial goals. And get personalized tips and insights help develop healthy long-term habits and stay on top of your finances now in the future, other financial APPs feel guilty for not meeting your goals. No judgments here simplify won't overwhelm you with everydollar you're off by. So Start Your thirty day trial of simplified today. When you download the APP or visit, simplify money dot com slash David. That's S. I m. p. l. i. F. I. Money Dot. COM Slash David. How much exposure to banks have to CEELO'S The, Bank for International Settlement estimates that across the globe banks hold about to fifty billion dollars worth of CEELO's at the end of twenty eighteen and the financial stability board estimated that for the thirty lovable systemically important banks average exposure to leveraged loans and CEELO's. So not just CEELO's. was about sixty percent of their capital or their equity. I will explain bank capital in more detail in a few minutes. The, Federal Reserve last month estimated that depository institutions and bank holding companies own about twenty eight percent of the three hundred and thirty nine billion dollars of Cayman Island. US issued CEELO's. Many CEELO's are originated in the Cayman Islands. More than half of US CEELO's. Fed Reserve estimates that ninety five percent of the exposure that banks have CEELO's is to senior tranches, the triple A. rated tranches. Partnoy recognizes that in the article he writes. Since the mid nineties, the Highest End Default Rate On leveraged loans was about ten percent during the previous financial crisis. If ten percent of those loans default, the bottom layers will suffer, but if you own the top layer, you might not even notice. Three times as many loan could default, and you'd still be protected, because the lower layers would bear the loss. Now. He points out that leverage loans are risky. They're not triple eight. The average credit quality single B. and the risks are high. But due to this collateralized loan obligation structure with different tranches in the waterfall concept and the over collateralisation. The AAA Tron has been historically a very safe place to invest. CLO's lows are run by professional money managers that are selecting the bonds to be included. One of their assumptions is what is known as default correlation. will all the different loans in different regions of the country in different sectors? To what extent will they default at the same time? Partner always worried that correlation of default will be much higher than estimated. He also wrote a report by the Financial Stability Board, which is an international body that monitors and makes recommendations about the global financial system. This was a report on CEELO's, and they wrote moreover limited information on the indirect linkages between banks and non banks makes it difficult to assess possible risks from spillovers and Inter connectedness and there systemic implications. In other words, if junior tranches have CEELO default. Is there some linkage between that and exposure that banks have? That might even be related to owning a CEELO trench. There are a lot of unknown when it comes to CEELO's. Partnoy is worried that defaults will be significantly more than they have ever been because of the pandemic. He believes banks even despite the new regulations are taking way more risk than is recognized. I don't necessarily agree with that. If we look at the new regulations that have been put in place for banks since the great financial crisis, these systematically important banks are monitored very closely by the Federal Reserve and we're going to go through that regulation and the stress tests that are done because it's important understand. How is the banking system regulated and is it safe? Can we feel confident about the bank's? John Walters, the Federal Reserve Bank of Richmond Road, a very good paper on the regulatory framework for banks. He pointed out that a bank's capital is the difference between the value of a bank's assets and liabilities. He wrote if the organization encounters financial troubles that reduce the value of its assets. For example, some of its loan customers default on their loans. The Bank can still repay its liabilities meaning, avoid insolvency and continue operating. As long as the decline in acid values is smaller than the amount of capital. If a bank has a higher capital balanced that reduces its risk of failure, because the capital acts like a cushion to absorb losses including losses from collateralized loan obligations. Banks are measured by their capital ratio. How much capital did they have relative to their assets? Capital consist of common stock, some preferred stock and retained earnings. Banks. Prefer to use debt. Capital be deposits or straight up borrowing money because the interest expense debt is tax deductible. Where's dividends paid on? Capitol are paid from after tax earnings. So equity capital is more expensive. The higher the leverage a bank has a greater its profits, but the risks are greater because in bad times loan default can increase in that can potentially lead to bank insolvency if there are enough losses to wipe out a capital. There are a number of capital ratios are formulas to look at how much of a capital cushioned as a bank cap. The first one is called the Common Equity Tier One, and it's common stock plus retained earnings and some convertible bonds, so that can be converted into common stock known as cocoa's divided by, risk weighted assets. Different assets have different risk weightings. The way that that risk weighting is calculated is a percentage is applied to the particular acid, so cash for example has zero percent risk. And he cashed. A bank has as an asset that's multiplied by zero. And as a result, a bank with a bunch of cash would have lower risk weighted assets. When you divide the capital by those risk weighted assets, it would have a higher capital ratio. Loans get one hundred percent risk weighting, but past due loans. It's one hundred and percent risk weighting, so if a bank has a lot of past, due loans that will mark up the value of it, risk weighted assets and reduce its overall capital ratio. Public, stock or equity exposure that banks have it gets a risk weighting of three hundred percent, so considered very risky. What about CLO's. They fall under a category called securitisations and the risk weighting ranges from twenty percent to one, thousand, two hundred and fifty percents. Generally, it's at twenty percent. If it's senior AAA. Rated CEELO gets a twenty percent risk weighting, because as we pointed out to faults have been very very low. But banks also have a due diligence requirement, and if they're not able to satisfy their bank regulator that they understand the risk and the performance of the Cielo. If it's starting to underperform, they have to take a higher risk waiting. In other words, these are not ignored. CEELO's are factored in to the capital ratio calculations of banks. Before we continue. Let me pause in share some words from this week sponsors. Shopping for life insurance can raise a lot of questions. How much coverage do you need? Which Insurance Company is the best one for you? How much should it even cost? In time when it's more important than ever to have life insurance, the pandemic is making it a little more complicated to shop for it. That's where policy genus can help. As a life insurance marketplace backed by a team of experts policy. Genius is keeping track of all the changes in the market. So you don't have to. They'll find you the right amount of coverage at the best possible price without the headache. Policy Genius compares quotes from the top life insurance companies in one place. It takes just a few minutes to compare quotes from the top insurance defied your best price. This doesn't just save a lot of legwork. You could save fifteen hundred dollars or more a year by using policy genius to compare life insurance policies. Once you apply the policy. Dina's team will handle all the paperwork and red tape for free. So, if you hit any speed bumps during the application process, they'll be there to take care of everything. So. If you need life insurance, but you're not sure where to start head to policy genius dot Com. Policy Genus will find you the best rate and handle the process completely. They'll get you and your family protected and hopefully give you one less thing to worry about. Try it today. This risk weighted approach to managing banks was first adopted in the US in Nineteen ninety-two as part of a global bank risk framework called Basel One. Basilan set the tier one capital to risk weighted assets, including balance sheet assets to four percent of assets and total capital had to be eight percent. I mentioned that the Common Equity Tier One is common stock plus retained earnings and some convertible stock. Overall Tier one includes preferred stock so common stock preferred stock retained earnings and some convertibles. Basel two was adopted in December two, thousand, seven. It went into effect April first two thousand eight, and it required banks to provide more detail with regard to the risk weightings, those asset risk weightings, or more refined with the same capital ratio requirements. After the great financial crisis there were new Basel capital standards called Basel Three. This was implemented as part of the Dodd. Frank Wall Street Reform Consumer Protection Act of two thousand ten and began to be implemented in twenty thirteen. It raised the tier one capital amount to six percent from four percent. Total capital to risk weighted assets was still eight percent. There were some additional requirements a capital buffer for US banks with more than a billion dollars in assets. This was above the eight percent total capital, another two and a half percent. So banks had had an additional two and a half percent capital conservation buffer that if they fell was the trigger was an early warning, they had to be into limit what they could pay out in distribution from retained earnings. In other words reduce their dividend payment. In addition, the Federal Reserve adopted what is known as countercyclical buffers. Depending on the macro economic environment that if the economy was getting worse. The? Federal Reserve could require an additional buffer and just did that last month they performed stress test on banks, and the banks did fine, and we'll go into detail on that in a minute, but the Federal Reserve also said that banks had to suspend share repurchases and cap their dividend payments. They couldn't pay a dividend in excess of their average quarterly earnings between third quarter, two, thousand, nineteen and second quarter of twenty twenty. So banks have to conservative and more capital in fact Wells Fargo announced today that they were cutting their dividends. They had a loss and couldn't make the dividend payment. Other banks are not increasing their dividend payments. Last month, the Federal Reserve announced the results of a stress test, so banks run risk models. They're analyzed by the reserve to see how they would perform is known as they severely adverse scenario. For example GDP, the output in the economy falls by eight and a half percent from the pre recession peak. An employment increases to ten percent. Interest Rates Fall for treasury bills. Two zero percent equity markets fall fifty percent volatility as measured by vicks jumps to seventy. Investment grade corporate bonds spreads, incremental yield for corporate bonds increases to four and a half percent. So a severe economic environment and in that environment banks run models to see how much they would lose. How much would default increase on their loans? And what would their projected losses be? In addition, they ran this time. Some additional stress test based on the coronavirus pandemic. With unemployment rate peaking between fifteen point six and nineteen and a half percent so even more severe. What were the results? Well losses obviously would be huge. With the standard severe adverse scenario, losses across thirty three biggest banks in the US were projected to be five hundred and fifty two billion dollars, and that obviously would impair their capital, but their capital ratio. The Common Equity Tier One capital ratio, which was twelve percent. The, minimum is four percent according to Basel. Three. Standard? Twelve percent at the end of Q. Four, twenty, one, thousand, nine hundred. Under the stress tests scenario, the minimum it got was nine point, nine percent and the minimum of the tier one capital, which includes preferred stock eleven point four percent. And total capital. The minimum was fourteen percent. And again the ratio for that the minimum is eight percent. In, the additional even more severe stress test the losses for those biggest banks got as high as seven hundred billion dollars, and the total capital ratio fell between nine and a half percent down to seven point seven percent. That's seven point. Seven percent would be below the eight percent minimum. But the banks wouldn't be going bust. They would have to raise more capital. The economists did a report and looked at these new Basel. NHS and they looked at the stress test, and they estimated one. If the old rules have been placed, Basel to and these severe economic scenarios were used. And they estimated that this capital ratio could have dropped for some of the banks to as low as one and a half percent. So they would. Be Insolvent very close to it under the old framework, but with this new framework with the higher capital ratios, the buffers, the ability of the Fed to demand banks not increased their dividends. Banks are safer. Banks are. Being run more conservatively. Banks already provisioning for losses based on what's going on with the pandemic. J. P. Morgan announced this week that they set aside ten and a half billion dollars in the second quarter to cover potential losses their CEO. Jamie says this is not a normal recession. The recessionary part of this you're going to see down the road. Wells Fargo set aside ten point six billion dollars. Her future loan losses in the second quarter. Citigroup seven point nine billion dollars. Now I looked at the Federal Reserve for delinquency rates, and they only have data through Q. One, and that was just released a mid June. Total delinquency rates at banks in USA's one point five nine percent. That's past due in non-current. It got over seven percent in the great financial crisis. There will be more default, but banks seemed to be prepared. We don't know what the default rates will be with leveraged loans Fitch has made estimates. We don't know what they will be for Clo's. Frank Partnoy is convinced that there's things lurking on the balance sheets of banks that will come out. He might be right when we compare the way. Banks are regulated now how they're run. They're much lower levels of leverage. Things are going to have to get really really bad to get to what we saw with bank failures during the financial crisis. During that two thousand, eight, two thousand nine period, there were bank failures every week, hundred and sixty US banks failed just in those two years. Last year across the US only four bank failures and we've had only one in twenty twenty. As depositors in banks. We have protection. We have FDIC insurance. Other countries have insurance for bank deposits, and so your deposits, if you keep it under two hundred, fifty thousand, and they're not at risk. The risk if banks get into trouble is your investments in banks. Do you own their common stock? Do you own preferred stock? Preferred? Stock dividends paid before common stocks. And if the dividend is not paid in most cases, it's cumulative it so that dividend just a cruise, and then it has to be paid before the common stock dividend has been paid. If the economic recession gets worse than preferred. Stock will sell off which means deal to go higher, but that doesn't necessarily mean you're going to lose all your money because that would require the banks to go insolvent. We'll see parties right. I am cautiously optimistic, but the pandemic has to get under control in the US. Some of the early indicators, real time data is showing. People are acting more cautious again. They're not willing to go out as much. Some of the mobility data that you see partially due to renewed lockdowns partial lockdowns in some of the states partly just concern. The US seeings some of the worst covid nineteen confirmed case numbers on absolute basis the worst in the world, and some of the worst on a per capita basis. Hopefully by wearing masks and social, distancing the pandemic spread can be slowed without. Down the entire economy again. The doesn't seem to be an appetite for that and I don't think it has to happen. So our banks safe. Yes I think they are. But we'll see as this pandemic progresses. That's episode three or five. You can get links to a number of articles that he referenced in this episode at money for the rest of US dot com while you're there. If you please sign up for my free insider's guide, this is weekly email I send to that list with links to that weeks episode as well as an essay on money investing in the economy. Some the best writing do each week just goes to the email list, and you can sign up for that money for the rest of Dot Com. Everything I should with you in this episode been for General Education Not considered your specific risks situation, not provide investment advice. This is simply geno education on money investing an economy. Have a great week.
I like foreplay, not penetration - Paulette
"Welcome to good girls. Talk about sex. I'm sex educator and sexual communication coach Leah Kerry and this is a place to share conversations with all sorts of women about their experience of sexuality. These are unfiltered conversations between adult women. Talking about sex. If anything anything about the previous sentence offends you turn back now and if you're looking for a trigger warning you're not going to get it from me. I believe that you are stronger than the trauma you have experienced. I have faith in your ability to deal with things that upset. You sound good. Let's start the show. Hey friends today. I'm excited to introduce you to Paulette. Our lived experiences are radically different. She's in her seventies. I'm in my forties. She's African American. I'm white. She was raised Catholic. I was raised in a non practicing Jewish home. She had a thirty eight year marriage. I've never been married and yet paulette and I connected deeply experiences of body image. How we experienced turn on and so much more. This is part of what I love about these conversations while the details will be different for each of us. We can see and recognize each other through our stories about sex and sexuality. Paulette is a seventy two year old SIS gender female who describes herself as African American and Hispanic straight monogamous single since the death of her husband and postmenopausal she describes her body as thick. I am so pleased to introduce Paulette. I am so happy to be speaking with you and thank you because to be honest I have been having challenge finding postmenopausal women to speak with me so I was absolutely thrilled when you said yes. Thank you for being here. You're so welcome. So let's just jump right in The first question that I ask everyone is what is your first memory of sexual pleasure. That's a great question I WANNA say when I was young. Believe it or not I was curious about it and I'm not sure where that curiosity came from. But I remember liking a little boy and being around him felt great and then all of a sudden we started kissing and I loved it. Do you know how old you were approximately? I might have been about eight Eight years old. Did you have any idea what kissing sort of meant you know like that? This was a thing or was it just sort of the natural evolution of absorb that the two of you were with each other felt as though it was something that we were sneaking to do and that we couldn't allow other people to know that we were doing because we were young. Yeah how long did this go on for I would say for a long time. Yeah for a long time and not just with him but as I think back that has always been my preference in terms of interaction with the opposite sex. When you say that's your preference deeming kissing. Yes okay see. You knew from an early age. What felt good to you. Yes and at. What point did you begin to decide to desire hands on body contact? I think I was a little older and kissing became more than just lips touching They was being taught how to back in my day French kissing. That's what we call too and I did it liked it and became very good at so in those earlier days when you were eight or nine before you learn to quote unquote French kiss. What type of kissing was it? Was it dry packs or was it something more than that but less than tongues lips touching and for long periods of time It wasn't just a pet. Yeah it was like. Ooh I like you. I'm like what we're doing or You're my girlfriend your boyfriend. That's what it felt. Yeah do you have a sense of it being like when I hear you it brings up this feeling of sort of sweet innocence for me? Does it feel that way for you? It felt that way at that time but I also knew it was something that we weren't supposed to be. Don't yeah and so because of that. I was very very diligent in keeping it a secret. And at what point did you become old enough that it didn't need to be a secret anymore? Like what was the quote unquote appropriate age from you to be having contact with boys? Well that's tricky. Because although I knew that I wasn't supposed to based on parental guidance I did it and I remember I thought Oh well at sixteen lot of my friends have boyfriends and their parents knew it and so I want some mother and I said Oh can I have a boyfriend and she looked at me like I was crazy. No you're too young not might too young. Well how do I have to be and for her? It was like eighteen? Nineteen twenty years old. But there was also an undercurrent of girls not being too promiscuous girls not messing around with boys especially in a an African American family and west Indian family. You know you don't WanNa bring shame on the family And so they didn't talk about birth control. They didn't talk about that so all that I knew I had to learn on my own. And where were you learning that from Owen with my friends? Which is super reliable information? I'm sure so. You mentioned that before. We started recording. You grew up in a Catholic comb. What were you learning or hearing in your church about relationships and sexuality if anything Not very much again I I just don't remember sex being discussed openly. Sure there was a real tabu around it but I do remember that my brother he was able to have more latitude than May And it just takes me back to when I start it mentioned I was in elementary school and it was a hot day and all the sudden I felt very whit between my legs and I didn't know what it was and I went to the bathroom. Was All this blood. Where's this coming from? So I had my girlfriend. Go get my brother. He came in the bathroom. I told him what happened. I say go tell Ma because we live like two blocks away from the school so he went home he came back and he says my said just puts on toilet paper between your legs and come right home so okay so I did and I went home. It was now you're young lady and this will happen once a month and during those five days you have to be extra extra clean and you must be. She sent my brother to the store to buy me some Sanitary Napkins Keep your legs closed in your skirt down and that was the end of it. Wow it sounds like you had not been pre prepared for this at all at. Wow so like not even the the class in school where they separate the boys on the girls and they say all. Wow how must've been pretty shocking and horrifying to look down and find yourself bleeding and have no idea what was going on it was. Did you think you were dying? I didn't think I was dying but I did. I do remember feeling that there was something wrong with me because I didn't know anyone else that had their period so it was like what is going on and then when go home I thought oh I'll get a little bit more explanation Est. What's going on and when I look back I didn't wow. I still didn't know anything. Yeah so you didn't. Was there in that conversation with your mom. Did she go into the birds and the bees and like now you're dropping eggs which means you could get pregnant or was there any explanation of how those things go together. No He'd be a legs Clo- skirt now. You're a young lady now. So how did that leave you feeling about getting a period and being a young lady I didn't like it never liked it and I always felt that that time a month. I was being punished for something. Yeah to this day. I mean I remember as I was growing up and you go into the doctor in the first question they ask is. Oh when was your last period and I never knew because I would always black it out. Oh Wow and I realized that in order for me to be treated properly I would need to know tablets information. It seemed that it was vital information because I was always being asked. What was your last area and I would always like a dummy. Well did you get your period? Mom Yes but you don't know and I didn't thought I started writing it down at some point in here. Did you start becoming interested in having more serious sexual contact with the boys who had been fooling around with what I realized? I never really enjoyed sex. And that's penetration. Yeah and I never knew why but as I grew older and thought about it it was four played that I enjoy. But I didn't enjoy the penetration and I think that that had a lot to do with the constant Not having sex my mother telling me that not to have sex because you could get pregnant and you don't WanNa shame the family and Yada Yada Yada and I think that had a deep by a logical impact on sure. I didn't realize it at the time but as I look back I think it did. I wonder if so something that I hear somewhat frequently from women that I talked to. Is this sentiment. That I don't really enjoy the penetration. Enjoy the touching. That happens before the penetration and often the IT. Turns out that part of the problem is they don't enjoy penetration because the touching gets rushed. And so they don't get fully turned on and therefore they don't have enough lubrication to enjoy the penetration. It always felt that it was too short. There wasn't enough emotions like I just found with four play. It could be just you can manipulate it for as long as you want it and I'll give you an example of that. I fell in love with this guy when I was about sixteen seventeen years old and I mean at the time. I knew that I liked him a lot. But I didn't realize that it was love until fifty years later. You know they go through your entire life and you're still thinking about this person and the kind of pleasure that that person brought to you. Fool you and I remember one night. I was going to a party and he was going to a party but of course to different parties but we have this electric connection to each other that whenever we ran into each other the evening was stopped. Whatever we were doing and we would be together and I remember this one Friday night going to house and being in his basement the entire night and all we did was kit. And we never had sex we jus- kiss the entire night. And for me. I left his place dripping. Wet But let me tell you how naive I didn't even realize that I was having Oregon. Okay I just knew that I was drenched but it was an evening of just full pleasure and it never stopped and every time I was with him. That's what would happen and I just. I dubbed it as we could make love just kissing. How lovely. Yeah at this point in the conversation Paulette and I dive deeper into the relationship with our first lover and how it felt when they progressed from making out to penetrative sex if you've ever felt desire to go further and then a creeping dissatisfaction. When you do you'll appreciate this conversation. We also talk about politics marriage to her husband and of course the extended lowdown QNA. Audio Extras are free to all at Patriotair Dot com forward slash. Good girls talk about sex regardless of whether you're a patron if you have a few dollars to pledge in support of my work each month of course I will gratefully accept but if you don't I completely understand and honor you for taking care of yourself. Remember you can access the audio extras patriot. Dot Com forward slash. Good girls talk about sex to access the audio extras for free. Click the link in the APP. You're listening on now because my material is age eighteen plus. You can't use the search function on Patriots to find it created Patriot log in and follow my account to get updates when I post new audio stress. If you're a financial contributor you'll also get a special RSS feed in your account so the audio extras show up automatically in your podcast APP. You can find out more here the audio extras and become a community member at Patriotair. Dot Com forward slash. Good girls talk about sex and remember if your finances are tight but you still want to support the show. Please tell a friend to listen. Send them your favorite episode and invite them to chat about it with you. Use The show as a jumping off point to deepen your own conversations around intimacy and sex. Now let's get back to the conversation with Paulette. What was your first experience of penetration. And how did you decide that you are ready for it? I'm not sure if I decided I was ready for it as much as it was. I was going out with this guy and I kind of figured out. What the Hell. Twenty twenty one I mean. How much longer are you going to hold onto virginity thing But in the back of my mind it was. Yeah but if you have sex you'RE GONNA get pregnant. Yeah and I couldn't do that to my mother yeah. I couldn't embarrass her. I so I'm not sure if that was part of why I didn't enjoy it to Karen a lot of that And you know during that period. No one talked about birth control. I was just GONNA ask. What kinds of protection were you using? If any during the worse things because you couldn't nobody talked about it you didn't know where to go get it yeah So no did you get pregnant. I didn't I didn't at that time I didn't at that time. The the funny thing is okay so fast what with I'm sexually active and I know I don't have any so I've gotta get some birth control and I want to say that it was during the time when birth control head just not just come out on the market but it started being talked about as a way another means of birth control. Anyone who's easier for you to get and I was an adult at this point so I started taking birth control pill But I had this aversion to taking pills so I would always forget as small as they were. I would always forget and I'd have trouble taking them and of course I missed the couple of days or whatever and I did get pregnant and I was terrified. I was terrify and there were a couple of things going on in my head one. I wasn't marry to. What would I tell my mother I would be this big disappointment? Yeah and the other part of it was. I couldn't endure that he birth giving her and I think I became so traumatized of the knowledge that I had a miscarriage. Oh wow how old were you. I was Maybe twenty two Twenty Two twenty. Three and having had that pregnancy and miscarriage did that. Change your relationship with sex at all. No matter of fact I got pregnant again. Ah I was in a relationship committed relationship and again I got scared out of my mind. I thought about giving birth in paying that that would conjure up and I had an abortion. And how old were you at this point In my thirty. And what was that experience like for you? It was okay stage but I don't recall going through any guilt trips about it. I just knew that I could not deal with the pain of giving birth. That was one aspect the other aspect was again. I wasn't Mary and it was like I can't do this. I cannot do so in your thirties in your generation to be in your thirties unmarried strikes me as somewhat unusual. Is that correct? Yeah but when you're that wasn't a priority that was not a priority to me I was very independent. I knew that getting married. I'd have to give up some of that in and and that was scary for me. That was very scary. I can relate to a lot of that but I'm from a generation where it's much more accepted manure. Yeah So during this time you're you're in your We've moved from your twenties. Into your thirties. you're unmarried. You're sexually active are you? Did you have a series of monogamous relationships? Or where you someone who had sex outside of relationships. No had to be a relationship. I I couldn't just we with anyone I had to hear about them. And so as you got into your thirties. How was sex feeling to you? Had the experience of it changed at all. No no still really enjoying the kissing and touching but less so the penetration. Yeah Yeah and so now my girls and the my girls spiritual daughters and you know they'll say well you know don't you WANNA companion. Don't you WanNa be with someone and it's like no I'm good. I'm good full of a variety of reasons. I don't WanNa be in a another relationship at my age because I don't miss the sexual part of it. I don't need that the companionship. I like being on like my company. So it's seventy two. Yeah so we've skipped over a portion of your history here because I I know that you were married and you also told me that you have two children and soon they biological children are adopted. Adopted Okay so you never have gone through the birth experience no. You're not surprised not by way. This conversation has gone up and so at what age did you get married Want say thirty five and what made that relationship different that you decided you were ready to make a commitment? What happened I settled down? I stop partying hard. I had my first son and I thought okay. I WANNA do life a little differently. And I met someone. And unbeknownst to me feelings for him grow and I wasn't even aware of it my friends were and they would tell me about it and I would tell him. No you're wrong. He's not the type of person that I would fall in love with. I'm not even attracted to and then I found may feeling certain ways when I didn't see him and then before you knew it full blown relationship spending a lot of time together. I didn't want my son to be around a lot of different men and so it became real serious real fast. And so we were dating may be Five Year then we got married and I assume based on what you've said that your experience of sex remained the same in terms of not enjoying penetration. Did you have that really enjoyable sensual experience with him now? Did you miss it I did and I thought that I could teach him what I liked him. What I wanted him but he wasn't teachable And you know when you're talking about a black man that's kind of like an attack on their ego Because they already know they think they do And and for them during that time that era it's not about the pleasure ing their pleasure. They get what they want and for me. It was. The woman was secondary and so for me it was like I wasn't getting what I want it. I can even teach him how to kiss me the way I want it and I would try to demonstrate. But because he wasn't used to that wasn't it wasn't pleasurable and so I found that the more. I tried to get him to do it the way I wanted. It created a chasm between a and so rather than deal with that. I just shut down in terms of NAP. Getting what I want it. Where you continuing to have regular sex Yeah but then I would always find ways not to and I was okay with it. What about Him He was okay. He was okay because I think the other part of it too is that he was older than and so. I think he kind of enjoyed the fact that I wasn't all over him all the time. Although I do remember during the beginning of our relationship Oma God. It was non stop. We were like rabbit. But after I realized that I wasn't going to get what I needed in want it then economy slowed. Down how did that lack of fulfillment of your needs and desires effect? The emotional aspect of your relationship. Did it bleed over into other areas of your relationship I don't know answer that except I would become distracted with my boys putting more time and effort and energy into them then the relationship if that makes any sense and you think that if there had been more of a sexual connection that you might have spent some of that that attention energy on the relationship yes How long did that relationship last thirty seven years? It's a long. I feel unsatisfied. Yeah curious hearing you say that you enjoy your company and you don't you don't need any of that and I am not questioning that. I absolutely believe you. I also wonder if someone showed up. Who wanted to kiss you and pleasure you in the ways. That are really pleasurable to you. Would that change your mind like would you be like? Yeah maybe I will have some of that. You know it's interesting that you should ask that question because I want to stay in the last week so my thought process has been going on thinking a lot about okay. We're going through this pandemic a lot of things the slowing down a lot of things changing. I feel it in see it insensitive as spiritual awakening and I thought about that and I said you know suppose you did run into someone going to the mailbox that you felt an attraction to would you be open to explore that and I don't know I don't know and and sometimes I question myself M. I okay because I feel that I need to be okay or am I okay because I'm afraid to become vulnerable again and not get what I need. Is it worth it? Yeah so I do ask myself those questions so there are two topics that haven't come up yet that I want to ask you about the first is masturbation. Is it something that you did and did it? Provide you the kind of sexual pleasure that you weren't from partnered sex. I've never masturbated which you believe really I have never ever and I think the reason why I didn't is because I didn't grow up in an era where women pleasure themselves and to masturbate meant. Something was wrong with you and you know I think about all the things that you grow up with that you don't know at that time is GonNa have a major impact on your life but it does subconsciously at seventy two. I will not sleep news. I've tried when I was younger. You know while I'm grown. I have my own apartment. I'm in here by myself and it's hot and I can sleep nude if I choose to and so I would start off that way. I'd get out the shower and feel good and I get in bed and Nick ways through the night. I'd be up count or Pajamas. Wow well I'm going to go to bed but I don't need any covers. I don't have to cover my body. You know I have a sheet on my bed and I pull it up here now and I cover vice slow and and I realized that all of that is stuff that I heard as I was growing up because you know I my my son my youngest son I remember we were talking one day and he says well you know when I come home from work you know. I like to take my clothes off. I sleep noon and I'm like what you do what I'm telling you. I said what he says. Yes we knew we get out of here. I really he sits there. I suppose there's a fire. He's it's put the clothes on. I said get out but whiteness of my sell my mind I was like Yes yes go. I'm so proud of you because that's how I raised them not to. I raise them to appreciate their body in not look or refer to their body is something. That's not beautiful and healthy. Well so that's an excellent segue to my other question which is about your relationship with your own body. How have used through your life felt about your body. Not Good not good. It's not yet really not could I've always been thick from a little girl. I've always been there and so I would look in the mirror and I'd see my messages and it's like Oh my God disgusting terrible if I could only just get rid of this and I've never really embraced in loved my body but I knew when I had my boys I didn't want them growing up with hangups about their body and about other people body and so I would bring them in the shower with me. Of course they were age appropriate. Were like two three years old and you know I would have them shower with me and you know they would ask will what is that. Oh that's my breasts. But what is that? That's my vagina. Oh was that that's your penis. Oh what's that so? They grew up not being ashamed of their bodies. And I've got to say that I'm really really proud of that piece for me. Because like the younger boy. He gained a lot of weight and he was dating. Well he's married to a now but I remember him saying. Oh she's sick and he says Oh and she sleeps nude I said really you know. It wasn't so much the new as much as it was. Oh my God. She's thick but she she'll she'll she'll actually lay in the bed with the light on new and he goes to bed nude and he's the. Will Mama you know we need love to and I said you know you are absolutely right and I was so proud of him because he was able to be and do what I couldn't. How did your feelings about your thickness affect your willingness to get naked with the men who you are sleeping with away in it played a big Ro Most of them never saw with. Yeah I would always have to be in the dark There was one guy. I allowed him to see me news because I knew he loved me more than I love to and trust. Yeah Oh yeah and I knew that. It didn't matter what I looked like. He loved me anyway so it was okay. The others you know. Yeah I think they do but I'm not quite certain. And if they see my body all these role you know they couldn't see him anyway because you know. I disguised them really really well. It has always astonished me how different might concept of my own body is from the concept of seemingly. Anyone else looks at it. You know like I've been so self conscious about my body and the roles and the jiggles you know all of that and yet it occurred to me at some time in the last few years when I was going through my period of sexual healing and and body reclamation and it occurred to me that I had never once taken my clothes off in front of someone and had them say. Oh never mind. Put your clothes back on Which was of course? My fear literally saw my money. They would be less interested in me but never once did that happen So you know what I speak. Oh absolutely without question. Yeah and again that feeling that fear of am I gonNA look weird. I might gonNA smell weird. Am I gonNA taste weird and yet I've never had a partner look down there and be like? Oh yeah you know what this will look Ryan? Yeah we as women. I think we've been we've been dealt a load of bullshit about how we look and how we're going to be perceived that doesn't actually match up with reality most of the time Very true we all have a basic needs to be touched to have some physical contact with others. Some people's touch need very high. Some people's touch Nita's very low but we all fall somewhere on that scale so since your husband's passing. Have you been able to get your touch? Need met without having a partner. That's an interesting question. Prior to the pandemic I I believe how the touch sensory was being met for me was by my by my tribe by the village that created My girls my son other friends but in terms of intimacy. It's strange I don't feel it except sometimes in this is so weird Sometimes I'll be embiid and all of a sudden I get this feeling as though I'm being in the being being prepped. This way can describe it and I remember the first time. This is all happened since my husband's is and I remember the first time it happened. It frightened me and I immediately dismissed the feeling I wouldn't even allow it. Allow myself to feel the pleasure and then it happened again and I sit. Oh my gosh what what's going on. And then I attributed to the guy that I was in love with at sixteen seventeen and we would make love kissing. He has died hi to my and he was the only one who could make me feel that way so when. I did feel that way I'd say okay. Okay leave me alone please. And then the next time it happened it would be more intense and longer because now Allowing to myself to feel the feeling to feel the pleasure of it And that that happened. That happened And so what I've given myself. A mission to do is to feel the pleasure of those reef seconds. How lovely. Yeah remember how fun. It was to have teenage sleepovers where we do each other's nails and braid each other's hair and gossip about kissing and relationships. I'm lucky because I still get to have those conversations on a regular basis. But I know that a lot of you may find it hard to make the time and space to have those intimate connecting conversations with your girlfriends and during this time of social distancing figuring out how to spend time with our nearest and dearest can be an even bigger challenge. So I've created a space where you get to have that same sleepover fund again. It's an adult PJ PARTY. It's a whole luxurious. Talk with your besties. I'll lead you in a no-holds-barred conversation about sex relationships toy is kink orgasms. Anything you can think of. We can talk about it. We'll do it on zoom so we can preserve social distancing while also giving you a night of connection and intimacy with your best besties or if the idea of opening up about sex to your friends to intimidating. You can also join party where people don't know each other and advance so you can be completely open and honest without worry so let me help you create a space where the conversation can be easy and fun and Sexy Visit Leo Carry Dot Com for slash. Pj Party for all the information and to book a party for you and your friends. That's Leah Carey Dot com slash. Pj Party and now it's time for the low down the things we're dying to know but would usually be too polite to ask any good girl wet belief. Did you have about sex as a child or teenager that you wish you could correct her on now than it was bad and it was nasty and good girl in doing. Yeah I think yeah. That's the biggest one for me. Because I think that had a lot to do with why I didn't enjoy it yeah. Did you ever feel like there was a possibility of a breakthrough to enjoying it or was it just something that was not didn't seem available to you? I don't think I gave very much what to to thinking about it. Being Pleasure uh-huh I don't think that I gave much energy to my one day. Finding this thing that just blew my mind and you know talking to my girlfriend's who were doing it and enjoyed it and loved it. I would kind of look at them like crazy like really and they just thoroughly enjoy it and it was nothing that I ever enjoy except kissing. Well I'm glad that you had that piece of it that you enjoy and those memory pilot. I have asked you all of the questions that I have thank so much for being here today will thank you for giving me this opportunity to kind of think about and go back to the parts and pieces that help create who. I am today and I'm really grateful for that because sometimes I think about who I am. How did I become who I am if I could do it again? Would I do it this way or how I would change it and I liked that opportunity because all though there were some pieces that were missing I think for the most part it was good. Thanks for joining me today. On good girls talk about sex. If you'd like to be a guest on the show please email me at Lia at good girls talk about sex dot com. You can also find me on facebook. Instagram and Youtube. At good girls talk. I was only able to step outside my good girl box when someone I respected told me it was possible to do it if you'd like to step outside a box. That's no longer working for you. I'm here to tell you it's possible and I'd love to work with you. Join my mailing list to receive tools. That help you name your desires and communicate them effectively to your partner or potential partners. Sign UP AT LEAST CAREY DOT com. I'm Leah Carey and I look forward to talking with you again next time. Here's to your better sex life.