Marketing Money Podcast 공개
[search 0]
Download the App!
show episodes
 
The audio companion to Bloomberg Opinion’s beloved Money Stuff column hosted by its author Matt Levine, “whose deadpan style mixes technical elucidation and wit” (NY Times). Once a week, Matt and his friend, Bloomberg News reporter and TV host Katie Greifeld, talk about Wall Street, finance and…other stuff. New episodes every Friday.
  continue reading
 
Artwork

1
Your Money. Your Mission.

Johnson Financial Group

Unsubscribe
Unsubscribe
매달
 
The show that helps you maximize your wealth by turning complex financial situations into actionable advice. On Your Money. Your Mission., we answer the questions you’ve been asking about -- financial planning, investing, retirement and everything in between. Whether you’re navigating the complexities of the market or looking for the best ways to save or spend your money, tune in to hear from experienced financial advisors with JFG. Walk away from each episode with savvy tips and financial t ...
  continue reading
 
Do you want to start your own business? Great! But how do you actually do it? Don't worry, we've got you covered on Shopify Masters, an official podcast from Shopify. Each week, hosts Shuang Esther Shan and Adam Levinter sit down with entrepreneurs and e-commerce experts as they share their experiences running successful online stores. Learn how to create social media ads that pay off, how to optimize your website for sales, what it takes to find the right supplier and so much more.
  continue reading
 
Hosted by Damien Fahy of www.moneytothemasses.com, the Money To The Masses Podcast covers a wide range of personal finance topics. Released every Sunday - Damien and Andy talk about a range of personal finance topics including Investing, Savings, Insurance and Pensions, as well as ways to make and save money and the scams you should avoid. Released every Wednesday - Damien discusses what is happening in investment markets and what to look out for. Each show lasts between 10-15 minutes and is ...
  continue reading
 
Artwork

1
The Side Hustle Show

Nick Loper of Side Hustle Nation | YAP Media

Unsubscribe
Unsubscribe
주마다
 
The entrepreneurship podcast you can actually apply! The award-winning small business show covers creative ways to make money online and offline, including blogging, online business, freelancing, marketing, sales funnels, investing, and much more. Join 100,000+ listeners and get the business ideas and passive income strategies straight to your earbuds. No BS, just actionable tips on how to start and grow your side hustle. Hosted by Nick Loper of Side Hustle Nation.
  continue reading
 
34-year financial talk radio veteran, Don McDonald and former host of Serious Money on PBS, Tom Cock, join forces to talk about real money issues. In each episode, they solve real money problems, dole out real investing (not speculating) advice, and really explain the financial issues that effect all of us. Plus, it's actually fun! Talking Real Money is a podcast designed to provide the real help we all need to enjoy a really great future. Call in with your questions anytime at 855-935-TALK ...
  continue reading
 
Artwork

1
Hot Money: The New Narcos

Pushkin Industries & Financial Times

Unsubscribe
Unsubscribe
매달
 
Hot Money is back. In this series, Financial Times reporter Miles Johnson investigates a mysterious murder in a small town that leads to a web of drugs, money laundering and state-sponsored assassinations stretching from Dublin to Dubai. At the centre is a cocaine super cartel that is revolutionising the global drugs market. This eight-part investigative podcast, published twice-weekly, probes the links between criminals and legitimate businesses, and between governments and gangsters.
  continue reading
 
Artwork

1
NerdWallet's Smart Money Podcast

NerdWallet Personal Finance

Unsubscribe
Unsubscribe
주마다+
 
NerdWallet’s objective finance journalists answer real-world questions empowering you to make smarter decisions with your money and help your finances thrive. The Nerds are your resource to make the most of your personal finances, while cutting through the clutter and misinformation of today’s economic news and advice. You’ll get clarity on strategies to help you build your wealth, invest wisely, shop for financial products, and plan for major life events. By the end of each episode, you’ll ...
  continue reading
 
A few years ago I was a broke, university dropout, at 18 I built an industry leading social media marketing company, and at 27 I resigned as CEO. At 28 I co-founded Flight Story – a marketing and communications company, and thirdweb - a software platform, making it easy to build web3 applications. I then launched private equity fund, Flight Fund, to accelerate the next generation of European unicorns. During this time I decided to launch 'The Diary Of A CEO' podcast with the simple mission o ...
  continue reading
 
A personal finance and investing podcast on money, how it works, how to invest it and how to live without worrying about it. J. David Stein is a former Chief Investment Strategist and money manager. For close to two decades, he has been teaching individuals and institutions how to invest and handle their finances in ways that are simple to understand. More info at moneyfortherestofus.com
  continue reading
 
Artwork

1
TLDR

Devin Friedman, Sarah Rieger, Matthew Karasz

Unsubscribe
Unsubscribe
주마다
 
Money isn't just money. It's culture. It's news. It's being able to retire. Every Wednesday, the TLDR podcast catches you up on everything going on in the world of money that you didn't know you actually cared about. Hosted by Devin Friedman, Sarah Rieger (business reporter) and Matt Karasz (resident capitalist/head of Wealthsimple trading). Subscribe to our newsletter: http://wsim.co/tldr
  continue reading
 
The Market Your Message Show is hosted by a professional blogger, Jonathan Milligan, who loves helping messengers (bloggers, writers, speakers, and coaches) rise above the noise so they can get paid for what they know! The podcast covers topics like web traffic, SEO, email list building, platform building, growing an audience, marketing funnels, making money blogging, creating online courses, launching membership sites, creating great content, and more!
  continue reading
 
Artwork

1
Frugal Friends Podcast

iHeartPodcasts and Jen Smith & Jill Sirianni

Unsubscribe
Unsubscribe
주마다+
 
Controlling your spending is hard to do. On every episode of Frugal Friends, we'll try to help you gain a little more control on one aspect of the countless directions your money is being pulled toward through frugality and a few laughs. If you're trying to save money, spend less, adopt minimalism, pay off debt or reach financial independence, we think you'll like the show.
  continue reading
 
Chat With Traders is your key to the minds of trading's elite performers. Start listening to learn how a diverse mix of traders went from zero to hero, how they successfully trade markets today, and get their best tips 'n pointers for profitable performance, plus much more. Note: You are responsible for your own trading decisions—this is not financial advice.
  continue reading
 
Stephan Piscano founder of The Real Estate Networking Group the largest real estate group online interviews experts in real estate, finance, sports, motivation and more as we use common sense concepts to give investors insights on financial markets and have a lot of fun talking sports, politics and business motivation as well!
  continue reading
 
Artwork

1
Money of Mine

Mineral Media

Unsubscribe
Unsubscribe
주마다+
 
An ex-underground miner, a couple of ex-investment bankers, and an ex-equity research guy breaking down the mining news that matters in markets. It's a bit of entertainment, information, and occasionally some alpha.
  continue reading
 
Artwork

1
Why Not Mint Money

Mint - HT Smartcast

Unsubscribe
Unsubscribe
주마다+
 
Discover the Why Not Mint Money podcast for financial success. From savvy money-making strategies to expert tips on maximizing your savings, we've got you covered. Join us on this journey to unlock your financial potential. This is a Mint production, brought to you by HT smartcast.
  continue reading
 
Artwork

1
Millionaire University

Justin and Tara Williams

Unsubscribe
Unsubscribe
주마다+
 
We believe that ANYONE can start and grow a successful business, so we created Millionaire University to help you achieve just that. At Millionaire University, we follow a proven process that has been used to create successful businesses time and time again. Do you want to start a business or currently have a business you want to grow? Do you have a skill you want to turn into a business? Do you want to learn from other successful business owners and connect to like-minded entrepreneurs? Do ...
  continue reading
 
Artwork

1
How to Money

iHeartPodcasts

Unsubscribe
Unsubscribe
주마다+
 
Best friends Joel and Matt are the co-hosts of How to Money which is all about providing the knowledge & tools that normal folks need to thrive in areas like debt payoff, DIY investing, and crucial money tricks that will provide continuous help along your journey. We believe that access to unbiased and jargon-free personal finance guidance is more necessary than ever before. When you handle your money in a purposeful, thoughtful way that works for your lifestyle, you can really start living ...
  continue reading
 
Artwork
 
Motley Fool Money is a daily podcast for stock investors. Weekday episodes offer a long-term perspective on business news with The Motley Fool's investment analysts. Weekend shows are a mix of investing classes and longer-form interviews. The show is hosted by Dylan Lewis, Ricky Mulvey, and Mary Long.
  continue reading
 
Artwork
 
Ever notice that we will talk about everything before we talk about money? Sex? No problem. Politics? Bring it on. Money? Totally taboo. But not for long! Nicole Lapin— the only financial expert you don’t need a dictionary to understand, New York Times best-selling author, and host of Money Rehab— is here to rehab your wallet, so you can get your financial life together once and for all. Episodes are just ten minutes-ish... no frills, just bite-sized tips and tricks so you don’t waste any ti ...
  continue reading
 
Artwork

1
Investing With IBD

Investor's Business Daily

Unsubscribe
Unsubscribe
주마다
 
Welcome to Investing With IBD, a weekly podcast for investors who want to sharpen their trading skills, learn how to make more money and take control over their investment success. From insights into stock market trends, timeless investing tips and fundamental and technical analysis of top stocks using stock charts, this is where you’ll find the expert guidance you need to maximize your gains and minimize your losses. New episode every Thursday.
  continue reading
 
Money goes where it's treated best. That simple truth is a big reason why more and more money—trillions, in fact—flows into a powerful, low-cost tool that's quietly transformed investing in recent years. Exchange-traded funds, or ETFs, let you invest in everything from the stock market to gold like never before. This biweekly podcast will demystify them—and delight you in the process.
  continue reading
 
Artwork
 
Mo Money is where we bring you practical tips, hacks, strategies and knowledge to help you save more, invest smarter, and maximise your money to ultimately replace your salary by investing faster and easier. In this show, Ben Nash, finance expert, best-selling author, speaker, and award-winning financial adviser along with Will Cant, a Financial Adviser at Pivot Wealth, will help you cut through the noise.
  continue reading
 
Artwork

1
Your Money, Your Wealth

Joe Anderson, CFP® & Alan Clopine, CPA of Pure Financial Advisors

Unsubscribe
Unsubscribe
주마다
 
Making fun of finance. A "Top 10 Personal Finance Podcast" and "Top 12 Retirement Podcast" (US News & World Report, 2023). One of the "10 Best Personal Finance YouTube Channels" (CardRates, 2023). “Best Retirement Podcast With Humor” (FIPhysician, 2020, 2021, 2022, 2023). Learn strategies that can help you retire successfully. Financial advisor Joe Anderson, CFP® and certified public accountant Big Al Clopine, CPA answer your money questions and spitball on your 401k, IRA, Roth conversions a ...
  continue reading
 
Artwork
 
Welcome to the 360 Money Matters podcast where Financial Planners, Billy Amiridis and Andrew Nicolaou talk all things Financial Planning. This podcast aims to increase your knowledge and confidence with all thing’s money. Each week we will cover topics such as investing, cashflow and budgeting, saving, passive income, debt management, and much more so you can live life on your terms without limits.
  continue reading
 
6 Figure Creative is a podcast that helps freelance creatives earn more money by doing what they love. If you’re trying to avoid the never-ending grind of a 9–5, or just want to earn more money doing what you do best (creating), 6 Figure Creative is your new favorite show! Join host Brian Hood and his guests as they explore topics such as mental health, finances, sales, marketing, time management, the digital nomad lifestyle, and more.
  continue reading
 
The Standard Deviations podcast is a weekly production that looks at money, mind and meaning, all through a psychological lens. Each week, psychologist and New York Times bestselling author Dr. Daniel Crosby interviews a fascinating new guest, experts in everything from finance to literature to wellness. Each guest provides listeners with three concrete ways to apply what was learned that week, ensuring that weekly listening becomes part of a path to a richer life. Episodes are brief, resear ...
  continue reading
 
Welcome to the Money Mentor Podcast. Graeme Holm, Australia's original Money Mentor and his wife Rebecca speak about all areas of finance in this informative, yet entertaining podcast. Not only will you improve your financial literacy, you might just have a bit of a laugh as well.
  continue reading
 
Loading …
show series
 
Kimberley Dondo, digital content manager at Money Marketing, chats with Catriona McInally, Investment Specialist at M&G Wealth, about the complexities of long-term investing in today's market. They explore how advisers can guide clients through volatility, prioritise "real" returns over short-term gains, and adapt strategies in a changing investmen…
  continue reading
 
Matt and Katie discuss the price of garlic, anticompetitive price disclosure, the private credit gold rush and (allegedly) downloading quant models and fleeing the country. Become a Bloomberg.com subscriber using our special intro offer at bloomberg.com/podcastoffer. You’ll unlock deep reporting, data and analysis from reporters around the world, p…
  continue reading
 
In last week’s Autumn Budget, Rachel Reeves announced a raft of changes that will impact first-time buyers, movers and second home owners. But were there any announcements that will actually benefit people? Which? Money’s mortgage specialist Stephen Maunder & Aneisha Beveridge, Head of Research at estate agent Hamptons explain what the Budget means…
  continue reading
 
How do you make extra money in a low-risk way? And one method I keep coming back to is the idea of starting a consignment business. So you're selling other people's stuff and just taking a percentage. They get paid, you get paid, and you've got no upfront inventory risk like you'd have with a traditional physical product business. Sarah McAffry of …
  continue reading
 
It's open enrollment season, and a great time to explore coverage options to protect your income, such as life insurance and disability insurance. Hosts Sean Pyles and Liz Weston discuss the importance of insurance coverage, highlighting statistics around how many people are underinsured or lack adequate coverage. To dive deeper into different type…
  continue reading
 
We’ve got 2 big ones today, starting with MinRes shutting Bald Hill until lithium prices recover, as well as the board admitting they should’ve shared numerous related party transactions. Our second story is all about M&A drama in the small cap gold space, involving Brightstar, Patronus & Alto. Chapters: (0:00:00)Introduction (0:00:30)MinRes shut d…
  continue reading
 
He scaled Google from startup to $2 trillion success, can Eric Schmidt now help save humanity from the dangers of AI? Eric Schmidt is the former CEO of Google and co-founder of Schmidt Sciences. He is also the author of bestselling books such as, ‘The New Digital Age’ and ‘Genesis: Artificial Intelligence, Hope, and the Human Spirit’. In this conve…
  continue reading
 
Tune in to hear: Examples of when emotional connection can play a decisive role in sales. How, practically, can advisors shift their focus a bit from the technical to fostering deep, emotional connections with their clients? What is motivational interviewing, what is based on and what does it look like in practice? Where does the discovery process …
  continue reading
 
Michael Washington revamped LA's outdoor scene with USAL Project. Learn how he built a thriving community through accessible adventures and smart branding. Subscribe to the Shopify Masters YouTube channel for the video version of this episode: https://www.youtube.com/channel/UCLicUpeWYLe0zSCiIdZKv_g저자 Shopify, Benjamin Gottlieb
  continue reading
 
Weekly Property Market Update with Australia's leading Independent Chief Economist Dr Andrew Wilson of My Housing Market and Infinity's Lachlan Hammett. *Discover Our New Tool: What’s My Rental Home Yield?* Money Mentor YouTube Channel: youtube.com/@moneymentorau Link to Dr Andrew Wilsons LinkedIn: linkedin.com/in/dr-andrew-wilson-79b70058/ If you …
  continue reading
 
Joe Fahmy, managing director at Zor Capital, joins the “Investing With IBD” podcast to discuss common missteps investors make when bracing for big news events and the importance of trusting the market action. Plus, we take a look at high-flying AI stocks that need a pullback to be actionable: Nvidia (NVDA), Vertiv Holdings (VRT) and Tesla (TSLA). L…
  continue reading
 
In part one of our two-part special: 0:33 Introduction to Myths, Lies, and Mistakes 4:26 Myth One: I Got a Guy 5:21 Myth Two: The Future Can Be Predicted 11:00 Myth Three: Starting Too Late 14:47 Myth Four: Wealth Without Risk 19:02 Myth Five: Believing in Individual Stocks Learn more about your ad choices. Visit megaphone.fm/adchoices…
  continue reading
 
Cava stock is up nearly 270% since the start of the year. Does its valuation make any sense? (00:13) Tim Beyers and Mary Long discuss: - The difficulties in valuing Cava. - Why the fast casual restaurant doesn’t want to lean too far into digital channels. - How Toast is able to keep growing despite macro headwinds. Then, (17:40) Fool Contributor Ri…
  continue reading
 
We explore what strategy and systems are and how we craft and change them. We consider how investment strategies and financial systems have changed over the decades and why this matters to your financial decisions. Sponsors LinkedIn Jobs – Use this link to post your job for free on LinkedIn Jobs Delete Me – Use code David20 to get 20% off Insiders …
  continue reading
 
What do Rihanna, Justin Bieber and Post Malone have in common? Dylan Eckardt, real estate agent, star of Selling the Hamptons and "Prince of Montauk." Dylan has become a staple of luxury real estate, and today, he tells Nicole everything we want to know— plus, where he gets his confidence.저자 Money News Network
  continue reading
 
This is a free preview of a paid episode. To hear more, visit www.theflyingfrisby.com Today, we are going to look at gold, bitcoin, and our way of playing it, MicroStrategy (NASDAQ:MSTR), which has now 10xd (!) since we first covered it last year. Amazing. Finally, there'll be a short update on gold miners. Remember them? Let’s start with gold. Gol…
  continue reading
 
Safeguarding yourself from fraud is now a crucial aspect of financial security. In this episode of “Your Money. Your Mission.”, we tackle the ever-evolving threat of fraud with Todd Shaffer, Chief Risk Officer at Johnson Financial Group. From phishing emails and smishing texts to complex scams like pig butchering, Todd unpacks the tactics used by f…
  continue reading
 
Since last week’s election, the U.S. stock market’s been hovering around record highs. On this week’s TLDR, we look at what the market seems to think is coming from the Trump administration. Plus, we try to anticipate what U.S. tariffs could mean for Canada. And, one of Matt’s former colleagues made a killing betting on election markets. He breaks …
  continue reading
 
In today's episode we discuss what we refer to as the hour glass phenomenon. Every business owner goes through it. Big ideas, overwhelm, dead ends, walls and life altering break throughs. We also give an update on some big life plans, podcast growth plans and how to get traction in your business. Check it out! (Original Air Date - 5/3/23) What Just…
  continue reading
 
Real estate investing is a topic that we don’t spend nearly as much time discussing compared to the early days of the podcast. And even then we were both less enthusiastic about it compared to a decade ago! Back before we started the podcast it was pretty much all that we talked about but does it make sense to continue investing in real estate toda…
  continue reading
 
Explore life insurance as an investment tool, understand variable and infinite banking, and consider complex insurance choices. What’s the right life insurance policy for you? What is “infinite banking” and how hard is it to set up? Hosts Sean Pyles and Sara Rathner discuss the intricacies of life insurance as both a protective measure and a financ…
  continue reading
 
Struggling with high customer churn and not sure how to fix it? Ever wondered how to keep your customers engaged and coming back month after month? If these questions resonate with you, then today’s episode is just what you need. In this lesson, Omar addresses a crucial challenge many businesses face: customer retention. He dives deep into actionab…
  continue reading
 
In this week's episode of Which? Shorts, we reveal the home insurance providers and policies we recommend: our Which? Best Buys. Read all of our reviews of the 75 home insurance policies & sign up to our free weekly Money newsletter. Join our campaign to end the insurance rip-off. To read more from the Which? magazine, become a Which? member for 50…
  continue reading
 
The e-commerce giant is proving that growth can forgive past valuation sins. (00:26) Jim Gillies and Ricky Mulvey discuss: - Why investors are cheering Shopify’s latest results. - An automotive supplier that can provide a ballast for portfolios. - Why excitement about the market right now isn’t quite a mania. Then, (16:24) Alison Southwick and Robe…
  continue reading
 
Inspired by the impact of predictive analytics on sales at Sam Miesse's tech company, he became interested in applying quantitative analysis to the small cap market. Spending nearly 2 years collecting data and observing how money moved into and out of many small cap stocks convinced him that there were repeating patterns which could be statisticall…
  continue reading
 
Welcome back to another episode of the 360 Money Matters Podcast! We are back again with our monthly ‘Market Wrap’ segment. In this episode, we talked about post-US election market impacts. We start off with the positive response of the U.S. stock market, which reached all-time highs, and discuss the soft economic landing, resilient labor market, a…
  continue reading
 
The markets continue to surge to all-time record highs, driven in no small part by expectations of a massive productivity boom enabled by artificial intelligence, otherwise known as AICorporate America and Wall Street are clearly shrugging off the warnings that science fiction gave us about AI taking command of the world's technology to eradicate h…
  continue reading
 
Send us a text https://youtu.be/4nIXGNyw2ho Try VectorVest Risk-Free ➥➥➥ https://www.vectorvest.com/YT Looking for the best stocks to invest in this week? We've got you covered! In this video, we break down our top stock picks that are showing strong potential for growth based on the latest market trends and analysis. Whether you're a seasoned inve…
  continue reading
 
Most people who follow or watch my content are parents, so I know you can relate to this. As parents, we're not just raising sons and daughters. We're raising future husbands, wives, fathers, and mothers who will shape the next generation. Being a parent is one of the most important things you'll do since your kids are the legacy you'll leave behin…
  continue reading
 
When should Jack and Swan in Florida pay off their home, retire, and convert their savings to Roth for lifetime tax-free investment growth? Jennifer in Colorado wonders whether she should take taxes into account when calculating her expenses, and whether she should pay off her home to be debt-free in retirement? That’s today on Your Money, Your Wea…
  continue reading
 
Imagine pulling in $130,000 a year as a freelancer… And still struggling to make ends meet. Sounds crazy, right? But it’s happening. And I’ll tell you why. The truth? Income is just one piece of the puzzle. If you’re not focused on profit, that big income number means nothing. In the latest episode of 6 Figure Creative, we dive deep into why chasin…
  continue reading
 
Money can’t buy you love… but it sure can cost you a relationship, because financial conflict is a huge source of tension for many couples. Today, Nicole is joined by entrepreneur and author Jason Tartick about how to not let money ruin a relationship. Plus, Jason talks about his experience being scammed, which companies he’s bullish and bearish on…
  continue reading
 
It doesn't matter if you're living alone or with your family, the most challenging question of the day is always what to eat for the next meal. If cooking isn't your strong suit and you find yourself stressing about what to eat for the rest of the day, then this is for you. In this episode, Jen and Jill are joined by Mandy Klentz of PlandyMandy to …
  continue reading
 
Today we spent a while dissecting and discussing Paladin’s latest update which saw the stock crater some 25%, before picking through a potential value play with a colourful history in Kingsgate Consolidated. Sign-up for the Director’s Special Please read our Privacy Policy and Disclaimer here Thank you to our Partners: Mineral Mining Services – You…
  continue reading
 
Weekly Property Market Update with Australia's leading Independent Chief Economist Dr Andrew Wilson of My Housing Market and Infinity's Brenton Hawes. *Discover Our New Tool: What’s My Rental Home Yield?* Money Mentor YouTube Channel: youtube.com/@moneymentorau Link to Dr Andrew Wilsons LinkedIn: linkedin.com/in/dr-andrew-wilson-79b70058/ If you en…
  continue reading
 
Kyle Widrick of WIN Brands Group acquired brands like Homesick, Love Your Melon, Gravity, and QALO, and multiplied their sales. Here's what he has learned as owner and operator of direct-to-consumer brands and more than a decade of experience in ecommerce. For more about Kyle's journey: https://www.shopify.com/blog/win-brands-ecommerce Subscribe to…
  continue reading
 
On this episode of the Mo Money podcast, we talk about how to get ahead if your income is below $100,000 a year. Basically, the formula that you need to follow if you're in this position to create options for yourself, and exactly how you can tackle setting things up so that you create the right foundation to make what comes later easier. This epis…
  continue reading
 
When companies or crypto go parabolic, force yourself to think: what does normal look like? (00:13) Tim Beyers and Dylan Lewis discuss: - Bitcoin blowing past $800 and setting fresh all-time highs, and how investors should manage the expectations being built into crypto and companies like Robinhood and Coinbase. - Axon also feeling the euphoria – u…
  continue reading
 
Send us a text Join us for an insightful conversation with the iconic Matthew Lesko, the man behind the famous question mark suit and renowned as the "free money guy." Discover the myriad opportunities he unveils for real estate investors, including substantial government grants that could significantly impact your investment strategies. Matthew sh…
  continue reading
 
To start a new week: 0:27 Safe Investments Unveiled 1:16 Meme Stocks and Market Risks 3:18 The Fragility of Commercial Real Estate 5:27 The Illusion of AAA Ratings 7:52 Investing Beyond the Illusion of Safety 11:32 The Dangers of Chasing Yield 12:41 Financial Planning vs. Target Date Funds Learn more about your ad choices. Visit megaphone.fm/adchoi…
  continue reading
 
Loading …

빠른 참조 가이드