Amy Dietz - Podcast Details

Shows

The Small Change Big Gains PodcastEpisode 69- Downsizing your home? Things to know & considerThings to know before downsizing your home. Downsizing your home to save money and simplify your life? This podcast is for you....Things you wish you'd known before downsizing. - it will probably cost you more than you anticipated- you may need new furniture, new art, and there may be fees that you haven't considered? -you may not get the location you always wanted-plan as early as possible- 5 years before pulling the trigger is ideal -speak to a professional or advisor when thinking about downsizing 2025-07-2024 min

The Small Change Big Gains PodcastEpisode 68- What To Do If You Win $50 Million!Do not go buy a Lambo first thing...2025-06-2225 min

The Small Change Big Gains PodcastEpisode 67- Mad Money! What to do with your MONEY when you're madDon't let market chaos or political drama derail your investments! Learn why staying calm and thinking long-term is key to financial success in volatile times. Tune in for expert tips to keep your money rational and thrive! 📈💡 #investingtips #podcast#marketvolatility#staycalm 2025-06-0116 min

The Small Change Big Gains PodcastEpisode 66- Here is why you're retiring wrong. Retirement regrets no one is talking aboutSean, Amy, & Jalal discuss why many of us are not happy in our so-called "golden years" & what the top regrets are for retirees: 1) Not structuring your money to make you more money2) Not having a supportive social circle 3) Forgetting to dream 4) Retiring too early 5) Not keeping up with your hobbies They also discuss why the thought of going to the beach everyday, or travelling all the time, or spending our days golfing is not realistic and can get boring VERY fast. We're still human and we still...2025-05-2626 min

The Small Change Big Gains PodcastEpisode 65- What is happening in the stock market- Quick chat with our CIO, Martin Lefebvre📢 Had a great chat with Martin Lefebvre, Chief Investment Officer of National Bank Investments here at National Bank of Canada about the current market environment and what it means for Canadian investors and the public. Amongst the many things we discussed, we focused on questions that many of us are asking 🧐 1️⃣ Given the economic and political environment in the US, how do you see things playing out for Canadian investors 🇨🇦📊? 2️⃣How can investors be proactive in navigating the market turbulence we've seen in the last few weeks and in the coming weeks💡? Spoiler Alert…his words of...2025-04-2723 min $Colorado State University\'s The Next 150 With President Amy Parsons$ Colorado State University's The Next 150 With President Amy ParsonsThe Power of Student Leadership: ASCSU’s President Nick DeSalvo and Vice President Braxton Dietz on Advocacy, Leadership and life at CSUThe Associated Students of Colorado State University (ASCSU) President Nick DeSalvo and Vice President Braxton Dietz sit down with President Parsons to talk about their journeys to CSU and their experiences in student government. From tackling major policy issues like U+2 to balancing student life with big responsibilities, Nick and Braxton share what it’s really like to advocate for their fellow Rams. Plus, hear their plans for the future, surprising celebrity encounters, and their advice for the next generation of leaders and CSU students. 2025-03-2627 min

The Small Change Big Gains PodcastEpisode 64- How to set up your corporate structure and when to use a family trust?Are trusts and family trusts beneficial? What are the different corporate structures? Let's Dig In...We all love tax right? RIGHT???💡Easily one of my favourite recordings to date. Along with Jalal Midani & Ali Spinner of Crowe Soberman, I had a great discussion on the importance of correctly setting up a corporate structure if you're a business owner. However you choose, it will have a profound impact on your tax obligations, operational efficiency, and overall success📝. We learned a TON 🧠. Key takeaways were 🗝️: - As a business owner, ask yourself, did...2025-03-1135 min

The Small Change Big Gains PodcastEpisode 63- What are the Benefits of a cohabitation agreement and do you need one?.2025-03-0328 min

The Small Change Big Gains PodcastEpisode 62- What to do as an investor about the Canadian Tariffs?On this episode of Small Change Big Gains, we're diving into President Trump's proposed tariffs on Canada and what it means for investors. Tune in now for the breakdown 🎙️📈2025-02-0420 min

The Small Change Big Gains PodcastEpisode 61- What is SR&ED? How to access it? And How to use it?Our latest episode with Naren Balakrishnan at Doane Grant Thornton LLC talks about the SR&ED (Scientific Research and Experimental Development) program- highlighting key points business owners will find helpful! 📝There have been some recent updates to the program- did you know that capital expenditures are now eligible again? 🌟 🗝️Key takeaways:1️⃣If you are working on a problem in which there is no obvious solution, it's probably SR&ED eligible. 2️⃣It's not just for tech or startups; even very large established non-tech companies in Canada benefit from SR&ED.3️⃣Tho...2025-02-0231 min

The Small Change Big Gains PodcastEpisode 60- What is a cohabitation agreement? When to use it? Who needs it?No one gets into their car anticipating a car accident….yet we still buy insurance to protect ourselves…and to obey the law ofcourse :D No one moves in with their partner anticipating a break-up….(almost no one)…..so why don't we talk about financial protection enough? A fantastic discussion with Alex and Jalal on the importance of cohabitation agreements. 🏡 If you're thinking about moving in with your partner, a cohabitation agreement is key to ensuring both parties are protected.2025-01-2626 min

The Small Change Big Gains PodcastEpisode 59- How To Keep Your Inheritors Happy15M Canadians do not have a will. Estate planning isn’t just about passing on wealth—it’s about preserving your family’s legacy and avoiding costly disputes. In this episode, we dive into why it’s crucial to plan your estate well in advance to ensure happy inheritors and a smooth transition of assets.Learn how proactive planning can keep your family out of court, reduce litigation costs, and strengthen family bonds for generations to come. Whether you’re just starting or refining your estate strategy, this conversation offers valuable insights to protect what matters most.2025-01-1922 min

The Small Change Big Gains PodcastEpisode 58- New Year updates & what's coming in #2025In this special New Year’s episode, we kick off 2025 with a look at what Canadians can expect in the year ahead. From economic updates to key trends and insights, we cover everything you need to know to start the year informed and inspired.Don’t forget to like, subscribe, and let us know your thoughts in the comments below. Here’s to a fantastic 2025! 🍁#HappyNewYear #Podcast 2025-01-1208 min

The Small Change Big Gains PodcastEpisode 57-When to talk about senior care with your parents & loved ones!🎄The holidays are a great time for fun & laughter……It’s also a great time for paying close attention to our aging loved ones during our visits…. 🎅✨It’s a unique opportunity to listen, observe, and ensure their well being…. 🩺Beyond the laughter, joy, & shared meals…- 🕵️‍♀️Pay close attention to changes in diet, hygiene, social interactions, and mental health - 💬Recognize these clues, and start a semi-structured conversation maybe a little down the road- ❤️Approach any dialogue with empathy and understanding- that can make all the difference. The goal is to...2024-12-1730 min

The Small Change Big Gains PodcastEpisode 56- Last Minute Holiday Gifts 2024 #holidayseason #holidays🎄 Annual Holiday Episode Alert! 🎁It's that time of year again—our 2024 edition of "Last Minute Gifts for the Holidays" is here! Let's show some love to local and small Canadian businesses this season. We've curated a list of our top picks and shared a bit about what makes each one special.#SupportLocal #ShopSmall #CanadianBusinesses #HolidayGifts #2024Holidays 2024-12-0820 min

The Small Change Big Gains PodcastEpisode 55- Sell At The Top- When is the best time to sell your business? With April HarbottleWhen is a good time to sell your business? 📆That is the million-dollar question (no pun intended) 🧐Jalal and I recently sat with April Harbottle of Transition Architects to discuss M&A trends and high-level points regarding selling a business. The chat was as fun and engaging as it was insightful 🤯. Our top 3 takeaways: 1- The best time to sell is when things are going well 💥. Not when things are bad. If you see negatives coming, chances are a buyer does too. 2- Sales numbers are great. But keep your eyes on...2024-11-1621 min

The Small Change Big Gains PodcastEpisode 54- What Sectors Innovate? With Manish Goyal, Portfolio Manager at JP MorganIs innovation found in other sectors apart from tech? Admittedly, I was guilty of correlating innovation to just the tech sector- it certainly seems that way sometimes. But I recently learned that innovation isn’t just in tech. In our latest episode, Jalal and I had the fortune of chatting with Manish Goyal of JP Morgan and exploring how innovation is just as solid and thriving beyond the tech sector. Our top 3 take-aways from the discussion: 1) Look beyond tech- disruptive and game-changing initiatives are happening in healthcare, finance, industrials, and others. ...2024-11-1125 min

The Small Change Big Gains PodcastEpisode 53- How to get a bank to finance game development? With Matthew PersramWith MIGS 2024 right around the corner, we brought back Matthew Persram of the Creative Industries Group here at NB to talk about what it takes for a game studio to get a bank onboard to finance a game development or project. For some fun, we dived deeper, talking about issues in the gaming industry including the impact of monetization and gambling elements in games and issues surrounding the shift to digital content/games over physical formats. Specifically, we talk about what it means to "buy a game" in the online stores. Do you really own the game? 2024-10-2822 min

The Small Change Big Gains PodcastEpisode 52- What are the types of senior care, and how can our loved ones live their best life?Jalal Midani and I had another insightful discussion with Corey Obermeyer, President of HomeInstead, about senior care, addressing some common misconceptions and gaining valuable insight from an industry leader.Here are the highlights of the chat:🏡 Start thinking about senior care early: Planning ahead ensures you can make thoughtful decisions about your loved ones' future well-being.💪 Exercise is key to aging well: Physical activity promotes strength, mobility, and overall health, helping seniors maintain their independence longer.👥 Companionship matters: Social connections are just as important as physical care. Meaningful relationships can boost mental he...2024-10-2022 min

The Small Change Big Gains PodcastEpisode 51- What to Know Before Selling Your Business to Family Members- With Dr. Thomas W. DeansOverly thrilled and proud to have recorded this episode- business owners will find it intriguing.Sean Durkin and I chatted with Dr. Thomas W. Deans, best-selling author of "Every Family’s Business," on key considerations & questions when planning to sell your business to family members.Business succession is often complex, and the best transitions happen with long-term discussions and planning.If you own or are part of a family-run business, this one’s for you!!#BusinessSuccession #FamilyBusiness #Podcast #WealthManagement #SuccessionPlanning 2024-09-0920 min

The Small Change Big Gains PodcastEpisode 50- What we're excited about at TIFF 2024 with Matthew Persram.2024-09-0516 min

The Small Change Big Gains PodcastEpisode 49- The Value of a Financial Plan. What should a Financial Plan look like? Featuring Bryan Monchamp.The ‘90s called- and they want their spreadsheets back. At NB, we’re pioneering new ways of making financial plans more visual, understandable, and relatable. One that answers the question that buzzes in our heads- AM I OK?Not pages upon pages of graphs and numbers that get stared at confusingly before getting stored or thrown away.Having a clear and realistic plan for your finances can help you achieve your personal and professional goals faster and easier. A plan should be concise with a clear depiction of your ‘goal-posts’. It should easily be able to tell...2024-08-2525 min

The Reading CultureSurreal Talk: A.S. King on Validating Teen Trauma“I see my job as trying to soothe the trauma that teenagers don't know they have yet because everybody's so busy telling them that they don't.” - A.S. KingThe older we get, the more we understand that life is impossible to actually understand. Things are not often straightforward, and the more we do discover, the more we realize there is to discover. But when we read, we want to relate, to see the words on a page and have them reflect the world back at us in a way that makes it feel more digestible. A.S...2024-08-2041 min

The Small Change Big Gains PodcastEpisode 48- All Bets on Her- Featuring Tania D'Iorio of National Bank FinancialIn our latest All Bets on Her Podcast, we’re thrilled to feature National Bank Financial’s Tania where she delved into her financial journey.Tania shared her excitement about the pivotal decisions she’s made in her life regarding finances, and the proactive steps she took that she is most grateful for.Key highlights from the conversation:Embracing Early Action- She was particularly fond of taking charge early on to get a head start towards financial independence.Empowering Community- supporting other women in achieving financial independence by encouraging each other to tak...2024-08-0525 min

The Leftover Pieces; Suicide Loss ConversationsA Chat with A.S. King; Coming Face-to-Face with Those Who JudgedToday I am releasing a conversation that I had recently with Amy King - Grace's mom. Amy also happens to be an incredible writer and award-winning YA author (psst... see down below) But the role she cherishes most in life, is being a mom to her two kiddos... she now bothers, like many of us, from both sides of 'the veil'. Gracie died by suicide in 2018. Amy's "other" episode _ Season 4 Ep. 3 "Suicide is Normal AND Tragic" And today, just a few things we chat about a...2024-07-171h 37

The Small Change Big Gains PodcastEpisode 47- What are Structured Products and How They Can Add Value To Your Portfolio.2024-05-2928 min

The Small Change Big Gains PodcastEpisode 46- Long-Term-Care, Retirement Home, At-Home Care- Your Options and the True CostsJalal Midani & I had an insightful chat with Corey Obermayer, President at HomeInstead, about the various options available for elder care—long-term care, retirement homes, and at-home care. Corey provided invaluable tips on how to approach this sensitive topic with elderly parents, ensuring that their needs and preferences are at the forefront of the conversation.One thing we absolutely loved is the 40/70 Rule, where if you're in your 40s, chances are your parents are in their 70s, and this topic might be worth bringing up. Whether you're just beginning to explore these options or are in...2024-05-2027 min

The Small Change Big Gains PodcastEpisode 45- 2024 Global & Political Chat with Angelo Katsoras, Geopolitical AnalystIn this episode, Sean and Jalal sit with Angelo Katsoras, Geopolitical Analyst at National Bank Financial, to discuss global tensions and issues pertaining to the modern investor. The dialogue was fabulous and enlightening. We delved into the Russia-Ukraine War, Israel-Hamas conflict, global electrification efforts, and China-Taiwan-US tensions. Now things may seem bleak, globally. But Angelo did a great job in detailing out a series of advantages and strengths that both Canada and the U.S. possess in their arsenal, setting them apart from other regions globally.2024-05-0837 min

The Small Change Big Gains Podcast2024 Budget- Quick Explanatory Video.2024-04-1911 min

The Small Change Big Gains PodcastEpisode 44- All Bets on Her- Featuring Katie Tabesh, Managing Director, NBFNational Bank Financial - Wealth Management (NBFWM) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (CIPF), and is a wholly-owned subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA). The information contained herein has been prepared by Amy Dietz, a Wealth Advisor at NBF. The opinions expressed do not necessarily reflect those of...2024-04-1628 min

The Small Change Big Gains PodcastEpisode 43- Philantra II- What is a donor-advised fund? Top 5 QuestionsNational Bank Financial - Wealth Management (NBFWM) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (CIPF), and is a wholly-owned subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA). The information contained herein has been prepared by...2024-03-2626 min

The Small Change Big Gains PodcastLa vision intégrée de Philantra - Une introduction par la FBNNational Bank Financial - Wealth Management (NBFWM) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (CIPF), and is a wholly-owned subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA). The information contained herein has been prepared by...2024-03-2604 min

The Small Change Big Gains PodcastEpisode 42- What is a bare trust? And does it apply to you?NBF is not a tax advisor and clients should seek professional advice on tax-related matters, including their personal situation. Please note that comments included in this letter are for information purposes only and are not intended to provide legal, tax or accounting advice. The comments reflect the opinion of their author only and may not reflect the views of NBF.National Bank Financial - Wealth Management (NBFWM) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is...2024-03-2125 min

The Small Change Big Gains PodcastEpisode 41- All Bets on Her- Featuring Jennifer Steckel Elliot“The rainy days do come”Check out Lagom Collections: https://lagomcollections.com/Jalal Midani and I had the wonderful opportunity to engage in a discussion with Jennifer Steckel Elliott for our new series, ALL Bets on HER. During the episode, Jennifer imparted valuable financial and life insights drawn from her journey.Jennifer discovered that a key to achieving success in financial and life choices is the effective communication and clear expression of one’s principles and values, whether it be with a spouse, offspring, coworkers, or others.Her transition from a thrivi...2024-03-1231 min

The Seed FieldBig Idea: Decolonizing Mental Health EducationAs mental health professionals grapple with racism and exclusion in some of their foundational texts and concepts, a movement of reformers is working to decolonize the field. But what does that look like? And how will it impact our communities? In this episode we gather the voices of seven different faculty members from across Antioch University’s counseling, psychology, and therapy programs—and hear their insights into this important work. This Big Idea episode pulls clips from interviews with Jude Bergkamp, Beth Donahue, Mariaimeé Gonzalez, Catherine Lounsbury, Mariela Marin, Amy Morrison, and Syntia Santos Dietz. We invite you to...2024-02-2822 min

The Small Change Big Gains PodcastEpisode 40- The Usefulness of ETFs, featuring Tiffany Zhang, Vice-President at National Bank.2024-02-2721 min

The Small Change Big Gains PodcastEpisode 39- The Young Women Student Mentorship program at National Bank FinancialAt National Bank Financial, the Young Women Student Mentorship Program is a passion for us. This program is designed to help young women students enter the financial industry and learn more about the different roles in wealth management with the goal of having more women in the industry. Over the years, the program has evolved and grown across Canada and our partnerships have grown to be with more than 42 universities from coast to coast. Learn more about our Young Women Student Mentorship Program at: Finding your way as a female investment...2024-02-0609 min

The Small Change Big Gains PodcastEpisode 38- Our President, Jonathan Durocher, on the future of Wealth ManagementWe were joined by Jonathan Durocher where we spoke about the future of the advisor-client relationship and how National Bank is carving new avenues to move from being the best-kept-secret to a more dominant player in banking and wealth management. Among the many things we spoke about, including AI, Jonathan delved into how the advisor-client relationship is evolving and where he sees it in the next 5-10 years. As an advisor, having access to a wider variety of data will increase client satisfaction because clients are coming to their advisor for a wide spectrum of non-financial inquiries. 2024-01-1523 min

The Small Change Big Gains PodcastEpisode 37- Best & Worst Holiday Movies.2023-12-1910 min

The Small Change Big Gains PodcastEpisode 36- 2023 Holiday Gifts- Suggestions for that Last Minute Holiday ShoppingIt’s that time of year where we’re all brainstorming hard and rushing to get those last-minute holiday presents and stocking stuffers.To help with some ideas, our yearly Holiday Gifts is now out for 2023!! Sean, Jalal, and I, rounded up our top picks for this holiday season. All items are Canadian, supporting Canadian companies and individuals: For those that love books, pets, and art:- Golden Love- J. B. Simon-- A Life Well Danced- Jane Gall Spooner-Want to get a young adult more interested in saving money and fin...2023-12-1814 min

Contemporánea05. Maryanne AmacherCompositora, artista e investigadora estadounidense, trabaja su música desde un punto de vista científico. Estudiosa del sonido, caracteriza sus obras con el uso de recursos psicoacústicos, ahonda en el concepto de otoacústica. Creadora de “música de larga distancia”, está considerada pionera del streaming. Has escuchadoLiving Sound, Patent Pending Music for Sound-Joined Rooms (1980). [A partir de una instalación sonora]. Ellipsis Arts (2000)Petra: For Two Pianos (1991). Marianne Schroeder, Stefan Tcherepnin, pianos. Blank Forms Editions (2019)“Synaptic Island” excerpt “VM3 from ‘The Levi-Montalcini Variations’” (1999). [A partir de una instalación sonora...2023-12-1316 min

The Small Change Big Gains PodcastEpisode 35- A Tribute to Charlie Munger. A Legend Behind the One-Liners. 2023-12-0112 min

The Small Change Big Gains PodcastEpisode 34- Major Contributors to Inflation and the Difference between Core and Headline InflationAs inflation is seemingly coming down in October and November of 2023, what are some factors that contribute to the levels of inflation? What is the difference between headline and core inflation? How can individuals and investors behave in this inflationary period both from an investment perspective, and from a spending perspective? 2023-11-2024 min

The Small Change Big Gains PodcastEpisode 33- The Robustness of the Canadian Banking SystemIs the Canadian financial system in trouble? 2023 marked a significant year for the Canadian banking system. As we witnessed the downfall of a few regional banks down south of the border, many Canadians became concerned about the downfalls rippling through up to Canada. In addition, more concern and questions have been rising in the past few weeks as we hear of a few of the large financial institutions cut employee head count. In order to understand the difference between our banking system and that of our southern neighbor's, we invited Teresa Lesyk, Director...2023-10-2625 min

The Small Change Big Gains PodcastEpisode 32- Education, Inflation, and RESPsAs October rolls over, many parents have most likely just paid their children’s college education bills (looking at you Sean). And while inflation is the hot topic spoken about in nearly every grocery store, café, and news-channel- (I recently was sitting with a friend at a café and heard a couple on their first date talking about how the rising cost of groceries made them re-think their dating habits!!) - an interesting fact is that the rising cost of education has drastically outpaced that of inflation and wage-growth.For example, if you became a parent to a new...2023-10-0318 min

The Small Change Big Gains PodcastEpisode 31- TIFF 2023 and the Actor's StrikeLast week, Jalal and I invited Matthew Persram with the Creative Industries team here at National Bank to chat about TIFF and how the actor’s strike south of our border ties with this exciting event. In this insightful and engaging discussion, we spoke about what the strike is about and how there needs to be an evolution and modernization of the entertainment operating model to keep up with the changes of our times- specifically regarding the rise of subscription-based services. We finished off by chatting about what we’re looking forward to at TIFF and...2023-09-1219 min

The Small Change Big Gains PodcastEpisode 30- The 5 C's of Credit with Jonathan Khan of National Bank FinancialCorporate clients have been finding the new lending territory difficult to traverse. A recent survey has shown that a whopping 79% of large banks’ senior loan officers stated that their banks have tightened credit underwriting standards for commercial & industrial loans so far in 2023 and in 2H22.Jalal Midani and I invited Jonathan Khan with the National Client Group back again to sit with us and share his expertise pertaining to the 5 C’s of credit and how Canadian businesses are being affected by corporate lending in 2023. In a nutshell, the 5 C’s are:CapacityCapital CollateralCharacterConditions 2023-07-2419 min

The Small Change Big Gains PodcastEpisode 29- A Chat on National Bank's Philantra FoundationNational Bank's Philantra Foundation was founded to help individuals and businesses do philanthropic work in a way that is meaningful to them. Philanthropy plays an essential role in society and ensures the general well-being of the community in many business sectors. Whatever your philanthropic goal, the Philantra Foundation will help you incorporate it into your overall financial, fiscal, and estate planning.The Philantra Foundation’s vision is to make philanthropy accessible, simple, and beneficial for all:By helping donors support long-term causes close to their hearts By supporting charities achieve their charitable goals By ad...2023-06-1918 min

The Small Change Big Gains PodcastEpisode 28- How National Bank supports Canadian Creative IndustriesJalal and I had the pleasure of sitting with Matthew Persram to discuss Canadian creative industries and the unique role that National Bank plays in this space.From movies to T.V. shows to paintings to video game development, there is an experience that is uniquely Canadian. And we at National Bank of Canada and National Bank Financial are proud to be a part of the process in giving a voice to Canadian communities and producers to showcase our great Canadian culture, landscape, and talent. Here are a few ways that National Bank is helping i...2023-06-1318 min

You Made It!: A GoggleWorks PodcastAmy Sarig KingOn this week’s episode of You Made It! we are very lucky to welcome, highly acclaimed author, Reading, Pennsylvanian, and all-around bad ass- Amy Sarig King! A recipient of the Margaret A.Edwards lifetime achievement award for her contributions to young adult literature, Amy (also known as A.S. King), reminds us that it’s ok to not be ok and to ALWAYS live your truth. Get ready for one of the best episodes yet! P.S. If you’re also a Reading, Pennsylvanian and you’ve ever wondered what the Pagoda might sou...2023-05-2647 min

The Small Change Big Gains PodcastEpisode 27- Why should Entrepreneurs and Business Owners Hire a Financial Advisor?The Difficulties, Life, and Pleasure of an Entrepreneur!!Advisors can deliver value specifically tailored for entrepreneurs and their businesses to make sure all the strings are pulling in the same direction. As ‘entrepreneurs’ ourselves, we at National Bank Financial have a passion for creating a customized financial ecosystem to ensure that your personal and business finances are working together to meet your goals. Here are the top 4 ways we can add value to a business owner: 1) Longevity of relations2) Access- a greater variety of custom investment options 3) Integration- an ecos...2023-04-3022 min

The Small Change Big Gains PodcastEpisode 26- Play Ball! How Baseball is a lot Like LifeBaseball is a lot like life. And in our context, it's a lot like investing. Even the best ranked teams could lose to the worst ranked teams in any given game. Similarly, even the best portfolios could have negative days. Generally, no one game determines the fate of the team- losing one game does not equate to the end of the world. Investing is similar in that if a portfolio is properly diversified, one holding does not determine the outcome of the entire portfolio. In baseball, you could make all the right choices and still...2023-04-1725 min

The Small Change Big Gains PodcastEpisode 25- Growing My Team. Your 4 Step Process to Successful Recruiting, Hiring, and Continuous ImprovementIf you're looking to grow your team, here is a 4-step toolkit to enhance the impact of growing and managing your team.Step 1) Identify the BUSINESS NEEDStep 2) Establish the ROLE NEEDStep 3) ATTRACT the ideal candidate and LEAD the interviewStep 4) Onboarding, INTEGRATION, and continuous improvement 2023-04-0320 min

The Small Change Big Gains PodcastEpisode 24- What's the Fuss about SVB?What is SVB? What happened with SVB? And is it indicative of a deep financial crisis like that of 2008? What protections are there for Canadians in the event of a bank collapse? In this episode, Amy and Sean explain what happened with SVB and whether or not its collapse affects Canadians in general. Tune in to also find out what protections there are for Canadians in the case of an insolvent bank. 2023-03-1619 min

The Small Change Big Gains PodcastEpisode 23- How to Hire a Good AccountantWhat qualities do you look for in an accountant? Filing taxes can be one of the most nerve-racking responsibilities of the year. The more complex your situation is, the more nerves can fire.BUUUTTT- working with a diligent accountant, can relieve MUCH of the stress.Wealth Advisors get asked a lot as to what to look for when hiring an accountant. Or the infamous, “Do you know a good accountant?”The answer is subjective because everyone’s situation, needs, and wants, may be a little different. When vetting an accountant here are so...2023-03-0724 min

The Small Change Big Gains PodcastEpisode 22- Psychology of Money by Morgan Housel- Book ReviewTo kick off our book review series, we chose Morgan Housel's, Psychology of Money, first released in 2020. An excellent read, Housel's work is short yet full of insight. Rather than talking about the technicalities of investing, Housel instead introduces a narrative element to each principle in order to show that success in investing is dependent on the psychology of the individual more than the numerical foundations/details of the market or of specific investments. For those not interested in reading about money or financial growth, you may still find Housel's principles and rules important and...2023-02-2023 min

The Small Change Big Gains PodcastEpisode 21- Lean, Mean, & Efficient- Optimizing Working Capital with Jonathan KhanBusinesses in 2023 will be facing much turbulence. Credit is contracting and inflation is high. They will be forced to optimize their structure to be more efficient. In order to leverage opportunities and effectively grow, businesses may want to look into optimizing their working capital or cash flow. Amy sat down with Jonathan Khan, Relationship Director with the National Client Group, to get some details on how optimizing cash flow can aid a business in becoming leaner and more efficient. 2023-02-0723 min

The Small Change Big Gains PodcastEpisode 20- 2023, Show Us Love2022 was full of surprises and, frankly, nerve racking experiences. As for 2023, while some analysts are optimistic about the markets, others are not. So, in response to concerns regarding how 2023 is going to look like, Amy & Sean sit to give their thoughts about how 2023 may shape up to look like and share what other firms are speculating for the year ahead. 2023-01-1826 min

The Small Change Big Gains PodcastEpisode 19- Reflections through The Rear View.2023-01-1121 min

The Small Change Big Gains PodcastTimeless Wealth 2022 Holiday Special- Let it Snow!It's all fun and games until the truth and "fibs" start getting clever! In this 2022 holiday special, Sean and Amy thought to test each other on who knows the other better. The game is "Two Truths and a Lie". If you're a pro at never have I ever, you gotta try it.If you're thinking about what to play with your friends and family over the holidays with some drinks in hand by the fireplace- give this game a shot. It's a ton of fun. Up the stakes and maybe the loser of each guess...2022-12-1922 min

The Small Change Big Gains PodcastTimeless Wealth 2022 Holiday Special- Timeless Gifts'Tis the Season! The holidays are a "timeless time" (pun intended:) to give back and support local. From supporting your local cafe or brewery to the local candle maker to the Canadian author, it's the season for joy and community. In this 2022 holiday special, Amy and Sean thought it would be a clever idea to share some local and unique gift-giving ideas for the holidays! Tune in and you be the judge!! We hope you enjoy the show:) Gift Ideas in the episode: Kids Books:www.amooseinamapletree.com 2022-12-1918 min

The Small Change Big Gains PodcastEpisode 16- Find Your Retirement Purpose.2022-12-1323 min

Engineering The FutureEpisode 26: Exploring Investing and Risk Management ProfileJerome James is joined by Amy Dietz-Graham, Senior Wealth Advisor & Portfolio Manager at National Bank Financial to explore investing and risk management profiles, encouraging investors to ask the right questions of their advisors.2022-11-2416 min

The Small Change Big Gains PodcastEpisode 15- No One Pays for the Business in Your Head- with Alex ParkerIf you're a business owner thinking of selling one day, you gotta listen to this. A lot of times, some parts of the business may be in your head. Perhaps it's that "special recipe" you use for your main dish in your restaurant. Or it's some special supplier for the oil you use for your bearings when manufacturing machinery. If you are looking to selling the business one day, these things need to be jotted down and documented for the buyer. In other words- no one pays for the secret moving parts that you keep...2022-11-2422 min

The Small Change Big Gains PodcastEpisode 14- Sassy, Teenagers, and The Cash- Part II think we all LOVE teenagers, RIGHT? What's not to love. We can all agree that “THEY’RE THE BEST”! That “I know it all” attitude is ‘charming’.That being said, it can prove challenging to teach them about money (anything for that matter)- especially when they want to be buying $400 shoes. In this episode, Amy and Sean give some insight on how to approach your teenage children with the money topic and what to keep in mind when trying to pass on certain values and habits. 2022-11-1317 min

The Small Change Big Gains PodcastEpisode 13- The Hunt for Red OctoberIf you were betting on October '22 to drag the markets even lower than September, then you'd be disappointed. Markets gained this time around. Historically, October has been a bad month for markets. But in 2022- of the approx. 70 percent of the companies on the S&P 500 that reported earnings, nearly 72% of those beat analyst estimates. More companies increased dividends and share buyback was also on the rise. The month certainly disappointed analysts, but rewarded investors (at least just a bit).2022-11-0625 min

The Small Change Big Gains PodcastEpisode 12- All About the IncomeIf you were told you can get paid to own shares in a company, while keeping all the gains from the shares, would you believe it? Welcome to the world of 'dividends'. Not only will select dividend-paying shares increase in share price (over time), but the dividend income derived from these shares have historically nearly always outpaced inflation- and by a long shot. Incorporating dividend-paying investments in a portfolio is an excellent strategy to solidify its strength. You can also compound the growth by turning the income around and automatically reinvesting it! 2022-10-2424 min

The Small Change Big Gains PodcastEpisode 11- A Chat about FraudWe've perhaps all received those phone calls alleging we are in trouble with the CRA or that Immigration Canada wants to deport us. As the world gets complex and sophisticated, fraudsters up their game. No- the prince of Nigeria is not trying to reach you. In this episode, Amy and Sean sit with Teresa Lesyk, Director and Head of Cash Management, to discuss, first, the different ways fraudsters have come up with to try and trick individuals, and second, what you can do to stay safe and not fall victim to the various schemes. 2022-10-1723 min

The Small Change Big Gains PodcastEpisode 10- Engineering your Financial SuccessEver wonder if engineers make great investors? Did you know engineering and investing share some overlapping attributes, while simultaneously butting heads in key areas? Amy sits down with Ontario Society of Professional Engineers' very own Jerome James to answer some crucial questions regarding engineers and the investment world. 2022-10-0515 min

The Small Change Big Gains PodcastThe Global, The Macro, & The Money- Durkin Dietz LIVE Event with Angelo KatsorasIn this LIVE Event, we invited National Bank's geopolitical analyst, Angelo Katsoras to give us deeper insight into major global and market-influencing events including the Russia-Ukraine war, Europe's energy crisis, and the global transition into green energy. His conclusion? That these are very challenging times- times that demand reanalysis and re-strategizing.2022-10-0344 min

The Small Change Big Gains PodcastEpisode 9- Emergency Insights- September-End RemarksIn response to the lows of September, and more top economists arguing for the heightened probability of a recession in '22/'23, Sean and Amy thought it would be a good idea to sit down and discuss a few things. Why are the markets behaving the way they are? What would a recession in '22 or '23 look like? What can investors and individuals in general do to leverage and take advantage of a possible recession? 2022-09-2828 min

The Small Change Big Gains PodcastEpisode 8- Talk Money with your KidsAmy and Sean take money even deeper by relating it those tiny humans that keep parents awake (literally and metaphorically) at night. Yes, we’re talking about KIDS. From swear jars to gummy bears and treats, there are a few ways to embed ‘discipline’ in your children so that the concept of “currency” becomes a consideration in their life afterwards, increasing their chance and intelligence to attain financial success.2022-09-2711 min

The Small Change Big Gains PodcastEpisode 7- 3 Secrets to Successful Investing- Part IIIFiiiiiiinally- the moment we've ALL been waiting for. Sean and Amy set out to discuss the 3rd secret to successful investing- WEALTH TRANSFER. In the final episode of the series 3 Secrets to Successful Investing, we talk about how wealth transfer builds on the first 2 secrets to become a crucial factor for successful investing. 2022-09-1316 min

The Small Change Big Gains PodcastLet's Talk Inflation- LIVE Event August 17, 2022How does the BoC measure inflation. What is a "basket" and does it have easter eggs or goodies? How does inflation affect the stock market? AND FINALLY....ARE WE HEADED INTO A RECESSION, IF WE'RE NOT ALREADY IN ONE". In this live event, Amy and Sean seek to answer the burning questions we all have regarding inflation, the lag of inflationary numbers, and any relations to the equity markets. 2022-08-2327 min

The Small Change Big Gains PodcastEpisode 5- 3 Secrets to Successful Investing- Part IIIn the second of three episodes Sean and Amy discuss the second "secret" to successful investing- TIME. Much easier said than done, a characteristic of successful investors is giving yourself, your portfolio, and your investments, time to develop to grow. Start early, stay invested, and don't forget why you started investing in the first place. Stay on track, and don't lose sight. 2022-07-1139 min

The Small Change Big Gains PodcastEpisode 6- Let's Talk MortgagesWith interest rates rising, should you be getting a variable rate or fixed rate mortgage. What determines the rate of the two types? Should you be using your cash to pay down debt or take advantage of the market right now? Side-stepping a little away from investments, Amy and Sean seek to answer questions they've been getting regarding mortgages and paying down debt in light of anticipated interest rate hikes. 2022-07-1119 min

The Small Change Big Gains PodcastHere we go again- LIVE Event June 22, 2022In our first ever LIVE Event, Sean and Amy sat down to answer questions and provide insight and thoughts regarding interest rate hikes amidst extreme market volatility, market uncertainty, and decades-high inflation. 2022-06-2724 min

The Non-ProphetsThe Non-Prophets 21.25 06-19-2022 with Teo El Ateo, Scott Dickie, Richard Gilliver and Kelley LaughlinThe Non-Prophets 21.25 for June 19th 2022 with Teo El Ateo, Scott Dickie, Richard Gilliver and Kelley Laughlin.On this weeks Non-Prophets the panel talks about the connection or lack there of between ACB and the founder of the People of Praise, a secretive charismatic Christian group. They agree that skeptic hats should be worn when evidence is lacking.A bible is your friend in prison because it won't be taken away from you. We talk about how bibles are commonly used to keep important information with you when being re-assigned to another facility.Teo tears...2022-06-191h 20

The Small Change Big Gains PodcastEpisode 4- A Thought on ExpectationsIn this episode, Sean and Amy talk about expectations of investing. Financial planners and investment advisors always get asked "What return will you provide for me"? The idea here is that absolute dollar and percentage returns are not the only way to measure returns on investments- and in some cases, they may not be the healthiest standard either. Listen in to get the full rationale. 2022-06-0835 min

The Small Change Big Gains PodcastEpisode 3- Adapting Businesses to a scarier futureIn this episode, Amy and Sean speak about the unique obstacles facing businesses in post-Covid times. Businesses and their executives need to learn to adapt to a riskier future by pro-actively planning and strategizing for the inevitable societal and global problems of the future. In other words, the ingenuity of executives and, more broadly, of humans, will be put to the test. 2022-06-0225 min

The Small Change Big Gains PodcastEpisode 2- 3 Secrets to Successful Investing- Part IIn this first of three episodes, Sean and Amy share their first "secret" to successful investing- namely, buying when an apocalypse seems to be in the air and everyone is selling. Listen in to hear about strategies and thoughts about this secret that investors such as Warren Buffet and Charlie Munger swear by. 2022-04-0120 min

The Small Change Big Gains PodcastIntroducing Timeless Wealth with Durkin DietzAn introduction to the Timeless Wealth Podcast. 2022-03-0244 min

The SpaceTop Tip: Frustrated? Try a One Word RantIf something is giving you the UTTER shits, we’re going to teach you a tip from vocal leadership expert Tina Dietz called the One Word Rant. We guarantee it’ll help you release your frustration AND move onto solving the problem at hand. LINKS ‘Problem Solving in 10 Minutes’ by Tina Dietz - https://bit.ly/problemsolving-book-tina. ‘Two Vocal Techniques To Help Immediately Reduce Your Stress’ Tina Dietz for Forbes.com - https://bit.ly/3AAMB6V. Tina Dietz on Instagram - @thetinadietz - https://bit.ly/tina-dietz-ig. Follow The Space on Instagram @thespace_podcast and https://bit...2021-10-2303 min

The SpaceOne word to solve your problemsIf something is giving you the UTTER shits, we’re going to teach you a tip from vocal leadership expert Tina Dietz called the One Word Rant. We guarantee it’ll help you release your frustration AND move onto solving the problem at hand. LINKS ‘Problem Solving in 10 Minutes’ by Tina Dietz - https://bit.ly/problemsolving-book-tina. ‘Two Vocal Techniques To Help Immediately Reduce Your Stress’ Tina Dietz for Forbes.com - https://bit.ly/3AAMB6V. Tina Dietz on Instagram - @thetinadietz - https://bit.ly/tina-dietz-ig. Follow The Space on Instagram @thespace_podcast and https://bit.l...2021-10-1803 min

Truer WordsA.S. KingIn the 60th episode of Truer Words, we speak with A. S. King about writing EMOTIONS, respecting teens, and astrology. Amy is the author of multiple middle grade and young adult novels, including her newest, SWITCH, which comes out May 11th. Amy can be found on Twitter @AS_King and Instagram @as_king. Her website is as-king.com. Mentioned in this Episode: Jacques d’Amboise Jacques d’Amboise in China: The Other Side of the World Jacques d’Amboise dancing “Apollo” Jacques d’Amboise in the dream ballet in Carousel...2021-05-101h 25

Without Your HeadJAMES BALSAMO director of IT WANTS BLOODWithout Your Head with James Balsamo director of It Wants Blood! Get "It Wants Blood" today on Vimeo! https://vimeo.com/ondemand/itwantsblood Get "Hanukkah" on Amazon https://amzn.to/2Sz2lXK James went over: - "It Wants Blood" - Joe Castro's FX - Eric Roberts - "Lita" Amy Dumas - Eileen Dietz and more! Hosted by Nasty Neal, Terrible Troy and Treacherous Trista! Subscribe to the Without Your Head newsletter to receive weekly updates on our schedule, guests and more! Watch us...2021-05-0355 min

The Warrior School PodcastEpisode 67: Birth trauma with Ashlee BlackfordEpisode Notes “My birth affected my identify and how I lived my life” This is what we chat about in the ep: What is birth trauma Ash shares her birth trauma story and how she is still grieving the loss of what her body could do before her birth How we could prepare better for birth What the healing journey looks like Why pelvic floor specialists are KEY before, during and after Where can you can go to get support, resources or information You can find the links to all the stuff w...2021-03-231h 22

Total Movie RecallTMR 052 – Cabin Boy This week on Total Movie Recall, Ryan gets his hipster comedy credentials revoked after Steve makes him pay $3.99 to watch the 1994 not-so-classic comedy, Cabin Boy. Ryan simply cannot understand the cache this movie has in the “alt-comedy” world, or as he likes to call it, the “non-comedy” world (now that’s funny!). Steve would explain it, but you just, like, don’t get it man. Cabin Boy (1994) d. Adam Resnick Starring: Chris Elliott Ritch Brinkley James Gammon Brian Doyle-Murray Brion James Melora Walters David Letterman 2021-01-041h 42

YOUmedia Podcast NetworkSpeak On It: A. S. KingJoin us as we welcome award winning author A. S. King to speak live on all things writing, creating and geek out on books and more. King is the author of highly-acclaimed novels including 2020 Michael L. Printz Award winner and LA Times Book Prize finalist DIG, Still Life with Tornado, I Crawl Through It, Glory O'Brien's History of the Future, Reality Boy, Ask the Passengers, Everybody Sees the Ants, and Please Ignore Vera Dietz among others. She also writes Middle Grade fiction as Amy Sarig King. Speak On It is a program series connecting teens and authors virtually to have...2020-12-0437 min

SLP NerdcastAAC Basics Part 2: Barriers to and Strategies for Effective ImplementationGet .1 ASHA CEU hereAs promised, here is our second episode on AAC Basics. If you have listened to any of our other episodes you already know that we are passionate about AAC Implementation. As we covered in our Implementation Plans episode, you could have the most appropriate set of AAC tools in the universe, but if they aren’t implemented in a way that supports the needs of the client / student then they are at risk for being abandoned. Our goal for this episode was to try and unpack some realistic barriers to effective implementation.2020-07-201h 08

SLP NerdcastAAC Basics Part 1: Terminology, Roles, & ResponsibilitiesGet .1 ASHA CEU hereYou just found out you have an AAC user on your caseload - congratulations, get ready to have some fun! If it has been a while since you’ve worked with somebody with complex communication needs (CCN), if you’ve never worked with somebody with CCN, or if you just want a review of the basics - this episode is for you! In this episode we will provide a quick overview of some key terminology and intervention strategies - as well as load you up with resources where you can learn more. This epis...2020-07-131h 07

Beckett’s Babies23. INTERVIEW: How Meaning is Made with Jenni Page-WhiteLiterary Manager (and fellow Iowa alumn) Jenni Page-White joins us on this episode to share her experiences as both a dramaturg and literary manager. This is a great episode for our listeners who are interested in dramaturgy and have been thinking about literary management as a profession! Jenni gives us some thoughtful insight into the world. We hope you'll enjoy it! Jenni Page-White is the literary manager at Actors Theatre of Louisville, where she curates and develops new work for the Humana Festival of New American Plays. Her dramaturgy credits at Actors Theatre include The Curious Incident o...2019-07-0856 min

88 Cups of TeaA.S. KING: On Identifying The Author's PurposeIf you’d love to keep 88 Cups of Tea going strong, please consider supporting us through our Patreon membership. We added EARLY ACCESS TO INTERVIEWS for our Super Storyteller patrons in the $8.88 tier. Your kind support at any level of our tiers is so helpful. A heartfelt thank you in advance. https://www.patreon.com/88cupsoftea --------------------------------------- How do you define success as a writer? What does it mean to trust your gut during your revision process? What are some ways we can create an impact with our stories? We talk about it all...2019-03-211h 40

The Future of WhatLeveraging Your Data: LIVE from Indie-ConEpisode #102: The rise of streaming has bestowed the music industry with a wealth of data, but how can labels and artists leverage that data to sustain themselves in this brave new world? On this episode, recorded live from Indie-Con in Adelaide, Australia, Portia moderates a panel on streaming and data with Amy Dietz (INGrooves), Henry Compton (The Orchard), Maya Janeska (UNFD), Jane Slingo (Young Strangers), Ben Godding (AWAL/Kobalt), and James Limon (ABC). Music: Standing in the Way of Control - The Gossip We Think She’s a Nurse - Kinski The Arrival - Filthy Friends 2017-11-171h 00

The Mortified Podcast111: Drama Club KidsRe-live all the show tunes, melodrama and backstage gossip that is the school theater as Mortified pays tribute to the Drama Nerd. Featuring Amy Dietz & Kevin James Doyle, etc. Binge all episodes @ getmortified.com. Mortified is a proud member of Radiotopia from PRX.2017-10-0130 min

head/voiceEp. 27: #AcaOpen Special [Part 2] (w/ giveaway annoucement!)This week, it's the thrilling conclusion of our #AcaOpen special, with 5 amazing groups and an announcement of the winners of the giveaway! We talked to Courtney Jensen and Amy Whitcomb from Jane (Utah), Lisa Forkish and all the members of Vocal Rush (Oakland, CA) in a classroom to boot, Giorgia Renosto from Women of the World (Boston, MA/The World), Rob Dietz of Legacy A Cappella (Los Angeles, CA), and Sofia Berg and Anthony Rodriguez from the Nor'easters (Boston, MA). ~SHOW NOTES~ Intro/Outro Song: "Easier II" by Erin Bentlage https://soundcloud.com/erinbentlage/easier-ii More about The Open...2017-09-1300 min

Connecting Winnipeg with Hal AndersonMackling & Megarry - August 21st ECLIPSE EDITIONMackling & Megarry with Tristan Field-Jones - Monday, August 21st, 2017 00:00 - Tristan Field-Jones is at the Manitoba Museum for the Solar Eclipse, and the clouds broke JUST IN TIME! 08:01 - While we only had a partial eclipse here (76% covered, not bad!), Nebraska got a TOTAL eclipse. We head down there to speak with Scott Young, Manager of Science Communication and Visitor Experiences, and Astronomer in residence at the Manitoba Museum, in the Science Gallery & Planetarium 18:28 - More on the eclipse / audio from Tristan's interviews, then Tristan returns for the final segment 37:47 - "...2017-08-211h 41

The Future of WhatThe Future of Indies: Molly Neuman / Bruce Pavitt / Christiane Kinney / Kevin Breuner / Amy DietzEpisode #22: In this episode, Portia moderates a SF Music Tech panel entitled "The Future of Indies," that was chock full of laughs and indie stalwarts of the past, present and future. Her panelists included: Molly Neuman (A2IM, Lookout! Records, Bratmobile), Bruce Pavitt (Sub Pop, 8Stem), Amy Dietz (INgrooves), Christiane Kinney (LeClairRyan), and Kevin Breuner (CD Baby). The panel discussed their individual introductions to music and the music industry, and provided advice to both musicians and tech entrepreneurs from their unique vantage points inside the industry. GUESTS Molly Neuman (A2IM, Lookout! Records, Bratmobile) Bruce Pavitt (8Stem) Christiane Kinney (LeClairRyan) ...2016-01-1553 min

SF MusicTech SummitThe Future of IndiesSF MusicTech Summit XVII on November 10, 2015 Hotel Kabuki, San Francisco, CA www.sfmusictech.com PANEL TOPIC: "The Future of Indies" MODERATOR: Portia Sabin , Kill Rock Stars www.killrockstars.com SPEAKERS: Molly Neuman - A2IM www.a2im.org Amy Dietz - INgrooves www.ingrooves.com Christiane Kinney - LeClairRyan www.leclairryan.com Kevin Breuner - CD Baby www.cdbaby.com Bruce Pavitt - Sub Pop Records / 8 Stem www.subpop.com ************************* Recorded by Media One AV www.mediaoneaudio.com 2015-11-1656 min

SF MusicTech SummitWhere's the Cash for Musicians Today and BeyondSF MusicTech Summit XVI on November 11, 2014 Hotel Kabuki, San Francisco, CA www.sfmusictech.com PANEL DISCUSSION: Where's the Cash for Musicians Today & Beyond SPEAKERS: MODERATOR: Zack Greenburg, Forbes www.forbes.com Dave Cool, Bandzoogle www.bandzoogle.com Kristin Thomson, Future of Music Coalition www.futureofmusic.org Wade Metzler, SoundExchange www.soundexchange.com J Sider, BandPage www.bandpage.com Amy Dietz, INgrooves www.ingrooves.com ************************* Recorded by Media One AV www.mediaoneaudio.com 2014-11-111h 00