Auto news on Youtube Jan 30 2019

The company Spotify is a very interesting case study.

The amount that Spotify pays the creators,

by way of the record companies, for the licensing of the recordings

for streaming, as well as the publishers--

the people who license the public performance of the song--

amounts to about 70% of their revenue that they

generate from selling advertising, or from their subscriptions.

And they are continuing to increase the number of paid subscribers.

So as they make more strides for attracting

more paid subscribers for their services,

it's creating a situation where they are making more money,

but can they survive and become profitable

on the 30% that they are left with?

The margin just isn't big enough.

So what Spotify has decided to do, and just did recently,

was renegotiated their agreements with all of the major record labels.

The record labels used to get about 58%--

I mean, we talked about 70%.

12 of that would go to the publishers.

58% would go to the record companies for those recordings,

to license the recordings for the streaming services.

And Spotify decided to, and did, renegotiate all of their agreements

with the three major record labels, and even

the association of independent labels--

Merlin-- where they reduced those payments, based on the initial payments

that they're paying now.

So they went from about 58%--

it's been said, these are confidential agreements-- down to almost maybe

52% with some of the labels.

However, the labels have agreed, and Spotify

has agreed, that the more subscribers they get,

the royalty rates will come up, because the more money

they are going to be able to make.

Which is a very, very interesting development.

Another interesting development is that Spotify

is finding that there are many, many artists, independent artists, that they

feel that they can do direct deals with, and may not

have to pay that 52% or 58%.

The major labels demand it, and they have to pay it.

But if there are some independent artists--

Chance the Rapper, or other independent artists--

that they can make a deal directly with them.

They could possibly play those artists less.

Why?

Because the artist, if they're signed to a major label,

the major label is making 58% of the revenue,

and they're paying the artist on the artist's royalty

rate of 15%, which is what?

Maybe 7% of that?

So Spotify feels that they can go directly to the artists,

have them license their recordings to them,

they could pay the artists maybe 40%, rather than the 50%

they're paying to the major labels.

So that they're going to be able to benefit more.

Spotify has done that on occasion, although they

don't want to create any problems with the major labels, or they

they're really trying to not do that on a broad level at this point.

But you have to figure there's more and more independent artists that may not

even be interested in signing with a major label, might be interested

because streaming is really taking over, and doing deals directly with Spotify.

So the future for Spotify and streaming is going to continue to grow,

and it's going to be a very fascinating subject for years to come.

For more infomation >> Music Industry Revenue Streams: The Advent of Spotify and Music Streaming Services | Berklee Online - Duration: 4:07.

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The Mark of a Great Opening Pitch Selling Merchant Services - Duration: 5:46.

Hi, my name is James Shepherd.

Today I want to share with you the mark of a great opening pitch, when you are selling

merchant services.

You are going into a small business walking in or you are on the phone and you are trying

to come up with a great opening pitch.

What do you say when you first meet the merchant.

How can you tell if you are having success with the opening pitch?

Well, one thing I've really come up with lately is I've been working with agents

in our 6 Week Jump Start Program and trying to help them with their pitch, trying to help

improve it.

I've come up with an interesting metric that I use with the opening pitch and that

is how many times, what percentage of the time do people ask you a question after you

finish your opening statement?

How many times does the prospect, what percentage of the time does the prospect ask you a question

following your opening statement?

You should really be getting a good 30 to 50% of people after your opening to ask you

a question.

Let me give you an example of a couple opening pitches that I've been talking to sales

people about and things lately.

Let's say that we are selling cash discounting for instance.

One agent I know uses a pitch similar to this, where he goes in and says, "Hey, I know

you get all kinds of people coming in here pitching you merchant services and so there

is always that constant barrage.

The reason I am here today is not to talk to you about any traditional processing or

anything like that, but the reason I am here to talk to you is I have a program that is

$89 a month.

There are no transaction fees.

There is no percentage fees, no other monthly fees.

There is nothing.

It is just an $89 a month program.

Whatever you are paying in credit card processing fees right now, it would just be $89."

He just stops.

It is very important what you do at the end of that.

You could add something onto the end of that opening pitch and really ruin it by saying

something like you know, "Is that something you are interested in?"

Well then, you are asking them for a response.

You don't want a response.

You want a question at the end of your opening pitch.

Okay, so if you can get a good question at the end of it, that's a great opening pitch.

So by just stopping there, what is merchant going to say?

Well, they are going to probably say something like, "Well, how do you do that?"

That is a really good opening pitch because you are getting that question at the end of

it.

That is really, really powerful.

Let's say that you are selling traditional processing and you are talking to maybe a

larger merchant, or maybe a multi-location merchant.

You go in there and say, introduce myself, "Hi, my name is James Shepherd.

The reason I stopped by today is I'm a consultant and what I try to do, I try to help people

reduce or even cut potentially 20, 30% off of one of the largest expenses on their profit

and loss statement, on their income statement."

You just stop right there.

When you say that, what is the prospect going to say?

They are going to say, "Which one?"

You know.

The agent I talked to, I didn't come up with that one.

That was actually an agent came up with that and shared it with me yesterday.

He is using that pitch and he is getting a lot of people to say, "Which one?"

He said, "Sometimes they'll even joke with him a little bit and say, "Well, yea,

how about my payroll?

Can you reduce that one by 50%?"

You know and kind of joke about it.

Then they ask, "Which one are you talking about?"

Then he goes into "Well, I'm sure you noticed on your statement how big your payment

processing fee is relative to even your rent.

A lot of people pay more to process credit card payments than they do for their rent.

My goal as a consultant is just kind of review that and see if there is something we can

do," and the rest of the spiel.

Think about that.

Now there are definitely other opening pitches that you can utilize.

I used an opening pitch for years that got a controlled response.

It didn't actually get a question at the end of it.

For years, I used an opening pitch where my question at the end of it was about their

processor.

I would say, "Do you know who you are currently processing with?"

No matter what they said, I already had my response prepared for that, but what I've

noticed is that over the years as the market has gotten a little bit tougher to sell in,

you actually don't want to put all your cards out on the table in your opening pitch.

A lot of times you want to make that opening statement without ever even mentioning merchant

services, without ever mentioning credit card processing, especially if you are in one of

these metropolitan areas.

You are in Dallas, Texas, or New York City, San Francisco, LA, that kind of thing.

You don't really want your opening pitch to be all about merchant services, because

you are going to get to the end of the opening pitch and they are going to say, "I'm

not interested.

Get out of here."

So instead of a response, try to restructure your opening so that it elicits a question.

The reason that is so important is because when a prospect is asking you a question,

there are two things about that, that are very important.

#1.

Asking someone a question means that you expect them to give you a reply.

If you are doing your opening pitch and somebody says, "I'm not interested."

They don't want you to say anything else.

What they want you to say is, "Okay, have a nice day," right?

So you are really going against the grain to continue the conversation.

When someone asks you a question and says, "Well, how do you do that?"

Or "What do you mean?

Which expense item is it?"

They are expecting a response and so now you have another chance to say something.

If you can kind of keep that process going where the prospect and you are engaged in

a back and forth conversation, it's really going to help you out a lot.

My challenge to you today is really, really simple.

Think about your opening pitch.

Okay, when I say opening pitch I realize there is usually a little bit of small talk when

you first walk in, or on the phone, but once you start talking about what you are selling

and you get done with that opening statement, that 15 to 30 second, maybe 45 second pitch

that you have, or presentation you have and then you get to the end of that statement

and you stop.

The merchant has a chance to respond.

See if you can come up with a pitch that's going to get them at that moment to instead

of giving you a yes or no response, or some kind of response to instead give you a question

to allow you to continue the conversation.

Try that out.

I really think it will help you.

Again, my name is James Shepherd.

Thanks for watching and listening.

For more infomation >> The Mark of a Great Opening Pitch Selling Merchant Services - Duration: 5:46.

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Bill calls for more funding in mental health services for incarcerated people - Duration: 1:41.

For more infomation >> Bill calls for more funding in mental health services for incarcerated people - Duration: 1:41.

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Outlook for Financial Services: Key Global Trends in 2019 - Duration: 2:59.

Many of the conversations I'm having today are about

what should we do next as a company

I think for us in Asia the outlook is

gonna actually be quite positive

One thing the markets demand from financial institutions:

I want to see growth and I want to see profitability

A lot of institutions are struggling with that today

So in order for KPMG to

continue to be relevant to our clients

to continue to drive our growth

we need to be very focused on all the disruptors

happening in the marketplace

And examples of disruptors range from

the cloud, blockchain, fintech, digital

Digital can mean lots of things

It's also about extreme automation and

really challenging your model around

what can we truly automate and

what does that mean about current workers

full-time versus contingency workers

talking about the role of bots

Whether it means automating processes

whether it means the user interface and

how banks interact with their customers differently

right through AI which is

going to be a very significant disruptor

It allows banks to process data much more quickly

I think for us in Hong Kong

with the virtual banks coming in

there's gonna be some real excitement

bringing new innovation

From a fintech standpoint we expect to

see more fintech companies turn into

digital banks as well as incumbents look at

launching their own digital banking propositions

I think there's a recognition for all of us

and I think to be aware as regulators now

get more pronounced in Asia to really look at

this market and look at it very very carefully

to ensure that people get the opportunities they need

because like anything there's always risks

One of the big challenges the industry faces is around trust

One of the ways the industry is really dealing with this

is to really put a lot more emphasis and much more

embracing the concepts of sustainable finance and responsible investment

Against the backdrop of that technology change

the shifting customer demands

they're taking a look at an increasingly

volatile global financial services marketplace

and trying to decide how best to be competitive

on a go-forward basis

That includes a reexamination of

what they're in the market for

what's their strategy

who are they serving

what products and services they

want to offer to the marketplace

And talking about how you evolve your whole culture

to really respond to that change in the culture

It's the growth, trust and compliance agenda all put together

Profound change in the backdrop but a lot of

time being spent from a strategy and

from an institutional vantage point who do we

want to be and how can we be better than anybody else

One thing that's really positive is we're in

the best part of the world

I mean Asia is still growing substantially

there's some great growth rate

As long as you play to the niches

that you play very well with

I think it's going to be a very good year

For more infomation >> Outlook for Financial Services: Key Global Trends in 2019 - Duration: 2:59.

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Upholstery Cleaning Services by Great Plains Chem-Dry - Duration: 1:09.

We spend 90% of our lives indoors- plenty of time

for dirt, grime, allergens and bacteria to build up.

Fortunately, our sofa, other upholstery furniture and carpets

act like air filters, trapping allergens and bacteria,

and keeping the air in our homes healthier.

But to remain effective, they need to be deep-cleaned.

Chem-Dry's unique Hot Carbonating Extraction Cleaning Process

uses a safe, green-certified solution, called The Natural,

that harnesses the power of carbonation.

Millions of tiny bubbles release dirt, grime and allergens

trapped deep in the fibers so they're easily extracted.

In our healthy home package we add a bacteria killing sanitizer

and a protectant that creates a stain-resistant barrier

around upholstery fibers helping prevent resoiling.

An independent lab found that our hot carbonating extraction process

removes an average of 98% of allergens from upholstery

and 89% of airborne bacteria when a sanitizer is added.

Chem-Dry: we clean for your health like no one else.

For more infomation >> Upholstery Cleaning Services by Great Plains Chem-Dry - Duration: 1:09.

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REACH Services 6 Live Shot - Duration: 3:00.

For more infomation >> REACH Services 6 Live Shot - Duration: 3:00.

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McGill Counselling Services - Well Week - Duration: 2:57.

Intro - Pathways to Support - An initiative by the OSVRSE as part of McGill's Well Week Campaign

McGill Counselling Services

Hi, my name is Norman O'Brien and I'm one of the Associate Directors at Counselling Services.

At Counselling Services, we support the mental health and well-being of students on campus by offering a variety of different services.

We offer follow-up appointments with clinicians, we offer groups, workshops, and online forms of support on our website.

If you're interested in accessing any of our forms of support, you can come visit us in person or go to our website (www.mcgill.ca/counselling) We have a lot of resources that are available up there.

For example, you can register for workshops or access therapy assisted online, [those are] two forms of support directly on our webpage.

But you can also come visit us in person to schedule an appointment (3600 McTavish St.) or you can book one over the phone (514-398-3601).

What to expect at a Counselling Services appointment...

If you'd like to meet with one of our clinicians you can come to one of our consultation appointments, we have 2 types of consultation appointments available.

The first are pre-booked appointments, you can book those by coming in-person or calling us up over the phone.

You can book those anytime between 9 AM and 4 PM, any week day.

You can request to meet with a member of our pride team, a male or female clinician, or a clinician that practices in English or French.

When you have that appointment, you'll be meeting for about 50 minutes with your clinician, and they'll listen to you and hear what they're going through.

And the two of you will talk together to come up with the Collaborative Wellness Plan, which will be your plan going forward to support your mental health.

That plan consists of all the different resources we're going to have available on campus and in the McGill community.

That can be follow up appointments, groups, workshops, peer support resources, online resources or different resources in the Montreal area.

Depending on your unique needs it will be structured based on that.

The second kind of consultation we offer are drop-in appointments, those are shorter appointments who don't feel the need to have a comprehensive, holistic wellness plan, but just have something practical they want some support with.

Like insomnia, ways to manage their stress or anxiety.

Those appointments are available from 10 AM every weekday, on a first come first served, drop-in basis

In this appointment, you'll meet with your clinician, like I said before, but the goal of this appointment is a bit more structured to focus on helping you cope better and manage specific issues you're bringing in on that day

So, regardless of which kind of appointment you'd be interested in, please visit our website, we have a lot of great resources and a lot of information.

So please, check it out. Thank you.

Outro - 3600 McTavish Street - 514-398-3601

For more infomation >> McGill Counselling Services - Well Week - Duration: 2:57.

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Harini Laundry Equipments & Services, 9912486993, 8096900777, 7995511303. - Duration: 0:55.

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For more infomation >> Harini Laundry Equipments & Services, 9912486993, 8096900777, 7995511303. - Duration: 0:55.

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Meet CX Hero Kate Kuehn with Crisis Services Canada - Duration: 3:13.

To just listen and hear someone and be there in that moment with them is

the most powerful thing.

About 7 years ago I hit my personal rock bottom.

I was really struggling with suicidal ideation

to the point where I decided to drive myself to the hospital.

I was feeling very alone in that waiting room and there was a volunteer

for whatever reason he decided to come and sit beside me.

That connection with another human being who wanted to share that small moment of my pain

that really stuck with me.

That really mattered a lot.

That person sharing the worst day of my life, that's why I became a volunteer.

I wanted to pay it forward.

And I've been doing that through involvement as a responder on the Canada Suicide Prevention Service Helpline.

The mission of CSC is incredibly compelling.

We're talking about people who are in despair.

And it's not people you think of as having grown up disadvantaged or advantaged.

Suicide has touched virtually everyone.

Since its launch in 2017, CSC has participated in 217 active rescues.

Every responder is allowing themselves to

be exposed to very emotionally difficult situations and

and that takes great courage.

Anyone who calls the help center and gets Kate is a very lucky individual.

She's got the skills to be a responder.

She's got the skills to help us build the organization and she understands what it's like from

every possible perspective.

A success for me is making someone feel like they have been heard

and that they're cared about.

I want to be in that space with someone and share that moment with them.

I think about the man at the hospital almost every time I volunteer.

If he was sitting across from me, I would...

say...

thank you so much because...

that moment of humanity colored the rest of my life.

I have an amazing life.

I have an amazing marriage.

I have amazing friends.

And that's because I was reminded that those connections do exist.

And that they're so powerful.

If someone is brave enough to seek out support and call a number

or text a number

or open up a chat

that is not going to go unanswered.

You're not going to experience that moment alone.

There will be someone there.

For more infomation >> Meet CX Hero Kate Kuehn with Crisis Services Canada - Duration: 3:13.

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Alphalyse | Analysis of Protein, Peptide, Antibody | Characterization Services - Duration: 1:40.

When Ejvind Mørtz and I created Alphalyse in 2002

we had a clear vision of taking mass spectrometry

and use it for analysis of biologics.

Over the years we have been involved

in more than 1,000 projects

dealing with protein characterization and quantification.

Since each project requires a special design

we always assign a principal investigator (PI)

to take hand of the project, help design the project proposal,

and also handle the sample, the analysis, and the final reporting.

Our PIs are PhD level scientists, with multiple years of experience

within protein chemistry, bioinformatics, and mass spectrometry.

As a client you get access to our hands, but also to our brains.

We have obtained a lot of knowledge over the years through our many projects.

This knowledge we use to solve the project,

and also to explain the data.

As a customer you are always welcome to contact the PI directly

to discuss details about the report, either by email or by phone.

If you have a project you would like to discuss

then please send an email to: info@alphalyse.com.

We will take care of your request and set up a TC, if needed,

to discuss the project in more details.