Investec（天达银行）首席经济学家Philip Shaw：料英国央行可能会在2023年2月的下一次会议上，将加息步伐放缓至25个基点，因为预计由于抵押贷款利率上升，英国消费者支出将下降。我们怀疑，消费者支出将在明年继续受到打击，特别是随着固定期限的结束，400万家庭被迫以更高的利率为抵押贷款再融资。我们预计银行利率将上升25个基点至3.75%，然后在3月份升至4.0%


财经早咖啡【财经新闻】【Business News】

Investec（天达银行）首席经济学家Philip Shaw：料英国央行将放缓加息步伐；Investec Chief Economist Philip Shaw: Expect the Bank of England to slow down the pace of rate hikes

私の朝の習慣について話しています。皆さんは、朝の習慣何かありますか？
＊このpodcatは時差投稿です。

日本語でおしゃべり　podcast for Japanese learners

＃35 朝の習慣の話

Reenkarnasyon nedir ve ruhun evrim süreci nasıl işler? Geçmiş yaşamlar, ruhsal gelişimimize nasıl etki eder? Bu podcastta, reenkarnasyonun anlamını, etkilerini ve insanın ruhsal yolculuğundaki yerini keşfedeceğiz.

İlham Koçu

REENKARNASYON Nedir? - Ruhun Yeniden Doğuşu ve Geçmiş Yaşamlar Mümkün Müdür?

Jag talar om att resa och vill inspirera alla att våga resa, speciellt ensamma. Det kommer att förändra dig föralltid. Ursäkta för lite sämre ljudkvalitet. 

Tankar på svenska

Tankar på svenska : Att resa ensam förändrar allt

أنا سميتي مريم، عندي 34 عام. أنا من المغرب ،مزوجة عندي جوج وليدات
أنا كنخدم محامية، راجلي كيخدم أستاد 
شكرا بزاف 



Darija with karima 

نص الاستماع : مريم 

Intermediate Chinese Listening：酒店新服务——宠物陪睡
New Hotel Service — Pet Sleep Companions

Intermediate Chinese Listening

Intermediate Chinese Listening：酒店新服务——宠物陪睡  New Hotel Service — Pet Sleep Companions

It might sound like the worst start to your day — you get into the shower, and it's ice cold. But while you might not enjoy it, a cold shower could actually be good for your health.

Spending time in cold water is not a new idea — the Ancient Greeks used cold water as a form of therapy as early as 3,500 BC. And things like cold water swims and ice baths have become quite popular around the world.

Experts believe there are a few reasons cold showers could be good for us.

Corey Simon, a doctor at Duke School of Medicine in the US, told CNN that having one or two cold showers a week helps him be more mentally present.

He believes the reason for this is that he has to mentally prepare himself for something stressful: the cold water. But once he's in it, he feels like he's in control of that stressor.

In fact, a 2022 study found that participants who showered for a minute in 10- to 14-degree water every day for two weeks had lower stress levels than a control group.

Cold showers could also be good for our immune system. In a study done in the Netherlands in 2016, people who spent 30 to 90 seconds in a cold shower took 29% fewer sick days from work.

Cold water has also been found to improve circulation, and can reduce muscle pain after a workout. Research suggests that taking a cold shower often could increase your metabolism too.

But experts say it's important to speak to your doctor before taking cold showers often, because it could be dangerous — especially for those with certain conditions, like heart or circulatory problems.



Practice Listening, Reading & Comprehension

Why Cold Showers Could Be Good for You

Aprende árabe con Radia 

العلبة المسحورة

This is a story from earlier in my career when I was a struggling restaurant manager who had revitalize my establishment by fostering teamwork, communication, and a sense of ownership among the staff.  Through pre-shift meetings, a responsibility table, and a focus on the value of customer service, I was able to create a positive and efficient work environment that translated to happy customers and a thriving business.