Podcasts about analyze

Most people think the only way to build wealth in real estate is to quit their job and go all in. The truth? That belief is what's holding them back. In this episode of the Storage Wins Podcast, Alex Pardo calls out the “no time” objection that keeps so many people stuck on the sidelines. It's not a time problem; it is a clarity problem. He shares why self-storage requires very little time compared to other real estate methods, so you don't need to quit your job right away! If you've been telling yourself you don't have time, this episode will flip that belief upside down. You'll Learn How To: Crush the “I don't have time” excuse that keeps most investors stuck Buy your first or next storage facility in just eight to ten hours a week Apply the LMAO Method to consistently find and close deals Shift from busywork to revenue-generating activities that move the needle What You'll Learn in This Episode: (01:01) Why lack of clarity is the real obstacle (03:26) No time objection is a complete myth (04:30) The secret to being intentional with your limited time (05:00) Why storage is perfect for busy people (05:23) How to buy your first facility in just 8–10 hours a week (07:50) The part-time blueprint: LMAO (List, Meaningful conversations, Analyze, Offers) (08:13) List building: Add a minimum of 25 storage owners and facilities to your list every day (08:51) Meaningful: Minimum of three to five meaningful conversations every day (10:14) Analyzing Deals: Underwrite and analyze one to two deals every day to build the reps (11:41) Offers: One to three offers a week (13:28) A simple Monday–Saturday playbook for storage success (16:00) Reconnecting with brokers, owners, and building relationships (17:16) The nine-word email to re-engage sellers (18:21) How to review, reflect, and reset your focus every week (19:30) Are you aware that you are expressing gratitude? (20:56) Why belief, not time, is the biggest block to success (22:07) Stories from Casey, Kate, and Mario in closing their first storage facilities Who This Episode Is For: W-2 employees who are juggling a very demanding job Entrepreneurs juggling family, work, and side hustles, but still chasing freedom Real estate investors stuck in the grind of tenants and toilets Anyone who wants a clear, proven path to their first storage deal Why You Should Listen: If you've ever said, “I don't have time,” this episode is your wake-up call. Alex Pardo proves that storage success isn't about quitting your job or having endless hours. It is about having clarity, focus, and following a simple blueprint. With the right system and community, you can build wealth and freedom in just 10 hours a week. Follow Alex Pardo here: Alex Pardo Website: https://alexpardo.com/ Aex Pardo Facebook: https://www.facebook.com/alexpardo15  Alex Pardo Instagram: https://www.instagram.com/alexpardo25  Alex Pardo YouTube: https://www.youtube.com/@AlexPardo  Storage Wins Website: https://storagewins.com/   Have conversations with at least three to give storage owners, brokers, private lenders, and equity partners through the Storage Wins Facebook group. Join for free by visiting this link:  https://www.facebook.com/groups/322064908446514/

In a new type of crossover episode, Adam Haman and Bob Murphy provide an in-depth analysis of Frank Miller's classic graphic novel, Batman: The Dark Knight Returns. They also relate Miller's depiction to other treatments of the world's greatest detective.Mentioned in the Episode and Other Links of Interest:The YouTube version of this conversation.This episode's sponsor, The Swan Brothers.Links to old Batman clips (one and two). The YouTube version of the animated Dark Knight Returns (Part I and Part II).The HamanNature substack.Help support the Bob Murphy Show.

Discover how C.H. Robinson's aggressive adoption of AI has significantly boosted its stock price, even in a weak freight market, leading to a 52-week high. Learn about their new "Always-on Logistics Planner," an agentic AI-driven "digital teammate" within its Managed Solutions 4PL arm, which autonomously handles tasks 24/7 and has achieved 100% customer adoption among its clients. We confront the growing peril of escalating cargo theft, a critical concern in the industry, with North American cargo thefts surging 27% year-over-year in 2024, resulting in $455 million in stolen goods across 3,625 incidents. Hear how Ceva Logistics alone suffered over $18.3 million in losses from eight incidents, often due to security policy breakdowns like using unvetted carriers or inactive GPS trackers, making warehouses particularly vulnerable. Analyze major shifts in international trade, including a new EU-US trade truce framework designed to stabilize container flows for goods like pharmaceuticals and agricultural products on transatlantic lanes. However, this framework notably excludes automobiles, with continued high tariffs leading to a 16.8% decline in European car exports to the U.S. in the first half of this year, potentially shifting consumer demand towards domestic or Asian suppliers. Examine developments in workforce and infrastructure, as FedEx Supply Chain is laying off 611 employees in Memphis after Cummins Inc. moved a significant portion of its distribution to a new 3PL in Indianapolis for efficiency. In stark contrast, South Korea's Hanwha Group announced a $5 billion investment to expand its Philadelphia shipyard, aiming to increase shipbuilding capacity to 20 vessels annually and double the local workforce to 3,000 by 2025 as part of a larger $150 billion commitment to revitalizing the U.S. maritime sector. Finally, we unpack the serious rail regulatory turbulence caused by President Trump's firing of STB member Robert E. Primus, creating a 2-2 partisan split and leaving the board short two members. This controversial move comes just months before a major merger application (Union Pacific-Norfolk Southern) is expected and has already stalled other important rail proceedings, raising concerns that it could weaken the board and harm the freight rail network, consumers, and the economy. Learn more about your ad choices. Visit megaphone.fm/adchoices

What if the fear you feel about getting help for your eating disorder isn't a warning to stay away - but actually your internal compass pointing toward freedom? In this powerful episode, Lindsey shares wisdom from her 7-year-old son who said, "When I feel those flutters in my tummy, I just know I'm about to do something really brave." If you're feeling afraid to ask for help, scared to gain weight, or terrified of actually getting better, this tough-love episode will show you why those butterflies are your invitation to do the bravest thing you've ever done. Key Takeaways Fear isn't a stop sign - it's a compass pointing toward your breakthrough If you could recover on your own, you already would have Those flutters aren't warning you away from help - they're pointing you toward it You don't feel brave first and then act brave - you act brave while feeling scared Ready is a feeling that comes AFTER you take action, not before Main Topics Covered The 7-Year-Old's Wisdom Lindsey's son facing his first day of second grade without his big brother "When I feel those flutters in my tummy, I just know I'm about to do something really brave" How children understand fear differently than adults Kids feel scared and do the thing anyway - adults build cases for why they should wait The Real Fears Keeping You Prisoner Fear of asking for help (admitting you can't do this alone) Fear of gaining weight (worth tied to a number on the scale) Fear of actually getting better (losing your eating disorder identity) Fear of investing in yourself (what if you spend money and don't change?) The Lie You've Been Believing About Fear If something feels scary, it must be wrong for you Heart racing when thinking about help = "not the right time" Anxiety about meal plans = "body not ready" Terror about recovery = "maybe not meant for me" Truth: Fear means it matters, it's important, you're about to grow Why Recovery Feels More Terrifying Than Staying Sick The "Safety" Illusion: Staying sick feels familiar = brain labels as "safe" Recovery feels unknown = brain labels as "dangerous" Reality Check - How "Safe" Is: Spending every moment thinking about food Missing life because you're afraid of restaurants Measuring worth by what you ate yesterday Living in constant body anxiety Isolating because eating around others feels impossible What Bravery Looks Like in Recovery Admitting you need help when you want to prove independence Following someone's guidance who has been there and recovered  when ED voice screams it's too much Gaining weight when diet culture says smaller is better Investing money in recovery when you've never felt worth it Showing up to therapy and being honest instead of pretending you're fine The Wisdom Gap: Children vs. Adults Children: Feel scared → Do the thing anyway Adults: Feel scared → Analyze, overthink, research, wait Adult Excuses: "I'm not ready yet" "I need to think about this more" "I should try on my own one more time" "What if it doesn't work?" "I can't afford it right now" Fear as Your GPS System Sick feeling about calling a coach = "This way to freedom" Anxiety about meals = "This way to healing" Terror about recovering = compass pointing toward the life you've been dreaming about Powerful Quotes from This Episode "Fear isn't a stop sign. Fear is a compass pointing you toward your breakthrough." "If you could recover on your own, you already would have." "Fear doesn't mean it's wrong. Fear means it matters." "Those flutters aren't telling you to run from recovery - they're telling you you're about to do something incredibly brave." "You don't feel brave first and then do brave things. You do brave things while feeling scared." The Cost of Playing It Safe Questions to Consider: How's playing it safe working out for you? How's trying to manage this ED on your own been going? How's waiting until you feel "ready" been serving your recovery? The Reality: Everything you're afraid of losing by being brave, you'll replace with something infinitely better Playing it safe = staying in a familiar prison Taking action despite fear = walking toward freedom What Going All In Actually Means Not perfection, but: Being willing to be imperfect in the direction of healing Reaching out for professional help despite vulnerability Following meal plans despite ED resistance Gaining weight despite diet culture programming Investing in yourself despite never feeling worth it Showing up to therapy even when you want to cancel The Decision Point Two Choices: Let fear drive your bus (stay stuck in eating disorder) Feel the fear and drive anyway (choose recovery despite butterflies) The Truth: Butterflies aren't telling you to turn around They're telling you you're at the edge of your comfort zone All growth happens outside your comfort zone Signs This Episode Is For You You feel afraid to ask for help with your eating disorder You're waiting to feel "ready" before taking action You've been trying to recover on your own without success The thought of gaining weight terrifies you You're tired of living with constant food and body thoughts You keep making excuses for why "now isn't the right time" The Son's Success Story Parallel Felt nervous about first day without big brother Could have played it safe (stayed home) Chose to feel the butterflies and walk into brave Result: Made three new friends, came home with huge smile Everything he feared losing, he actually gained This Week's Challenge Stop waiting to feel ready. Ready comes AFTER action, not before. Notice when you feel butterflies about recovery Recognize this as your compass pointing toward growth Take one brave action despite the fear Apply for help at herbestself.co while feeling scared Ready to Feel the Fear and Apply Anyway? Those butterflies you feel about getting help aren't your intuition telling you to wait - they're your soul telling you you're about to change your entire life. Stop analyzing your fear and start acting despite it. Go to www.herbestself.co right now and apply to work with Lindsey. Feel the fear. Apply anyway. Your freedom is waiting. Connect with Lindsey Website: www.herbestself.co  Private Facebook Community: Her Best Self Society www.herbestselfsociety.com  Client Applications: HBS Co. Recovery Coaching - Client Application - Google Forms About the Host Lindsey Nichol is a former competitive figure skater turned God-led entrepreneur, boy mom, and digital CEO. She believes the butterflies you feel about recovery aren't warning you away from help - they're pointing you directly toward your freedom. If this episode gave you the push to finally take action, share it with someone who needs to hear that fear is their compass, not their enemy. Your support helps more women discover their brave.

Brian Thompson returns for a solo episode packed with practical advice to help entrepreneurs take charge of their numbers. In this mini masterclass, you'll learn how to use your profit and loss, balance sheet, and reconciliation reports more effectively. Whether you love or loathe spreadsheets, this episode gives you the tools to pause, reflect, and make strategic financial decisions to set yourself up for success in the second half of the year. How To Conduct A Mid-Year Financial Review 1. Reconcile and clean up your books First, set aside at least 90 minutes to focus without distractions. Before analyzing anything, make sure your books are clean: Start with reconciliation: Check that your accounting software matches your actual bank transactions and credit card balances. Review your categories: Go through your chart of accounts to ensure expenses are correctly categorized. Review your balance sheet: Ensure your cash balances, accounts receivable, accounts payable, and other liabilities align with what you expect. If not, dig deeper to understand why. 2. Analyze your profit and loss statement Run a profit and loss (P&L) report for the period from January through June and analyze the data: Analyze your revenue: Compare your actual revenue to your goals and prior years. If you offer multiple types of service, break down which ones are driving your revenue and which ones may be underperforming. Analyze your expenses: Look for surprises, categories that you are over budget in, and for subscriptions or tools you no longer use. Calculate your gross and net profit: Ensure you are maintaining healthy margins, and if margins are shrinking, find out why. Look for trends: When looking at the big picture, make sure all the pieces fit together. For instance, if you're spending more on marketing as an expense, you'd expect to have a corresponding higher revenue. 3. Examine your cash flow Cash flow is not just about what you earn -- it's also about what you keep. Use the following steps to make sure cash is flowing into and out of your business strategically: Check your bucket allocations: If you use the bucket system, ensure you are still transferring funds consistently to your various business accounts and that your percentages are still realistic based on current revenue. Review your operating cash flow: Ensure cash is coming in faster than it's going out and that you aren't relying too heavily on credit to cover gaps. Check your accounts receivable: This step is one of the easiest ways to increase your cash flow quickly by following up on outstanding invoices and consistently enforcing your payment terms. Evaluate large expenses: Consider whether you should delay or accelerate spending based on your cash position. 4. Use your mid-year review to propel your business forward Once you understand your numbers in detail, it's time to turn your insights into action: Set or reset financial goals: Use your findings to update your targets for the second half of the year. Make sure your goals are specific, measurable, and tied to your broader vision. Identify quick wins: Look for easy adjustments that make a big difference. Small changes now can have a significant impact on your year-end results. Improve your systems: Make a plan to fix systems that aren't working. Good systems reduce mental load and improve accuracy. Communicate with stakeholders: Share your findings with your team, financial advisor, or coach. Reflect and celebrate: Take a moment to reflect on what is working, and celebrate the fact that you're engaging in this process. Resources + Links Brian Thompson Financial: Website, Newsletter, Podcast Follow Brian Thompson Online: Instagram, Facebook, LinkedIn, X, Forbes About Brian and the Mission Driven Business Podcast  Brian Thompson, JD/CFP, is a tax attorney and Certified Financial Planner® who specializes in providing comprehensive financial planning to LGBTQ+ entrepreneurs who run mission-driven businesses. The Mission Driven Business podcast was born out of his passion for helping social entrepreneurs create businesses with purpose and profit. On the podcast, Brian talks with diverse entrepreneurs and the people who support them. Listeners hear stories of experiences, strength, and hope and get practical advice to help them build businesses that might just change the world, too.

Prepare for an engaging look at today's markets and the evolving world of retirement living on this episode of Money Matters! Wes Moss and Jeff Lloyd unpack key economic signals before Wes sits down with senior living specialist Jen Franks to explore retirement care and housing options with clarity and practicality. Analyze how Jerome Powell's dovish speech at Jackson Hole may have influenced markets and what it might suggest for potential Fed rate changes. Evaluate housing trends as a driver for U.S. economic growth and what rising building permits may indicate. Examine the Cracker Barrel logo controversy and learn how market sentiment can sometimes affect stock performance independently of business fundamentals. Review labor data and immigration shifts to understand their possible impact on employment and the Fed's cautious approach to inflation. Clarify the meaning of the neutral rate and its potential implications for interest rates and financial planning. Comprehend the difference between “restrictive” and neutral rates and how each has affected savers, borrowers, and retirees in the past. Assess the effects of tariffs on inflation and why the Fed may maintain a “wait and see” stance. Explore potential shifts in Fed leadership in 2025 and the possible influence on monetary policy. Discover the distinctions between independent living, assisted living, memory care, and CCRCs with the insights and experience of Jen Franks' from Serving Seniors. Compare senior living costs across luxury and mid-tier options, highlighting amenities, services, and care levels included. Investigate rental versus buy-in models for retirement housing and the role of personal finances in selecting an effective fit. Recognize the importance of early financial preparation for senior care and strategies to manage compressed planning timelines. Identify ways adult children can support aging parents in selecting appropriate senior living arrangements when time is limited. Stay informed and empowered for retirement planning, market awareness, and family financial decisions. Listen now and subscribe to the Money Matters Podcast for practical, clear insights on your wealth, retirement, and future.

In this episode, Simon and Dan walk through their process for finding strong investment ideas, from using stock screeners to AI tools, and finally doing a full deep dive on company fundamentals. Simon shares the consistent criteria he applies in his screeners, how he narrows down results efficiently, and where AI fits as a research assistant. Dan breaks down the custom screeners he’s built over the years, how he balances dozens of metrics, and why focusing on quality across multiple areas is key. Check out our portfolio by going to Jointci.com Our Website Our New Youtube Channel! Canadian Investor Podcast Network Twitter: @cdn_investing Simon’s twitter: @Fiat_Iceberg Braden’s twitter: @BradoCapital Dan’s Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor Spotify - The Canadian Real Estate Investor Web player - The Canadian Real Estate Investor Asset Allocation ETFs | BMO Global Asset Management Sign up for Fiscal.ai for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.

Text us a pool question!In this episode of Mondays Down Under, host Lee Salisbury dives into essential strategies for pool service businesses to prepare for the upcoming summer season. Lee emphasizes the importance of pricing strategies, labor costs, logistics, customer contracts, database management, and effective payment systems to enhance profitability and efficiency. Drawing from his experience in the pool industry, he shares practical tips to help listeners optimize operations and set themselves up for a successful season ahead.TakeawaysPrepare for the summer season to hit the ground running.Analyze and adjust your pricing regularly.Value your time and charge accordingly.Optimize your service schedule for efficiency.Consider implementing customer contracts for clarity.Maintain a clean and usable database of clients.Establish a reliable payment system to improve cash flow.Regularly review supplier price increases and adjust accordingly.Focus on building strong relationships with A and B grade clients.Utilize technology to streamline operations and enhance customer service. Support the showThank you so much for listening! You can find us on social media: Facebook Instagram Tik Tok Email us: talkingpools@gmail.com

EXCLUSIVE VIRTUAL EVENT: Two Students. One Spot. Who Gets In? Watch Former Admissions Officers battle it out live in the first-ever Admissions Showdown—where you'll witness the debates, the behind-the-scenes decision-making, and the exact factors that determine who gets in. Curious what actually happens after you hit submit on your college application? Join us on September 23rd and experience it firsthand. Reserve yours now and see what makes them say YES. Here's the link to register.  Want personalized help with your application strategy? Book a free 1:1 call with one of our Former Admissions Officers here: CLICK HERE. RISING SENIORS: This is your last shot to get everything in place for college apps. Our Application Counseling Program helps you stay on track, craft a standout application, and improve your chances of getting into a Top 10 school, by up to 7x: https://hubs.la/Q03BtBZ50 Join us as Shannon, who's taught literature and writing at Yale and Ohio State, breaks down two standout personal statements from students accepted into top colleges and Ivy programs. We dive deep into each essay—one takes a traditional topic and makes it deeply personal, while the other uses a creative structure and bold voice. Shannon analyzes what makes them successful, how they reflect each student's identity, and the key lessons you can apply to strengthen your own writing. This is a very detailed analysiss—perfect for students, parents, or anyone looking to master the art of the personal statement. --- Register for our upcoming webinars. We also offer tons of free resources on our website/blog.  Questions, comments, or topic requests? Email jilian.yong@ingeniusprep.com. To learn more about InGenius Prep, visit us at ingeniusprep.com.

This Podcast Is Episode 642, And It's About How To Know If It's Time To Raise Your Rates Without Losing Clients A Practical Guide for Contractors Who Want to Stay Profitable—Without Scaring Off Business If you're like most small construction business owners, you've probably had this thought: "I'm working non-stop, but I'm still barely keeping up—should I raise my prices?" And then right after that, the fear kicks in: "What if I lose clients? What if no one can afford me anymore?" As construction bookkeeping specialists, we hear this frequently. Contractors are nervous to raise their rates because they worry it'll cost them jobs or damage their reputation. But here's the truth: Raising your rates isn't about greed—it's about survival. In this post, we'll guide you through understanding when it's time to increase your rates, how to do it without losing your best clients, and how your books can provide the data and confidence to price with clarity. Why Contractors Hesitate to Raise Rates Let's start with the everyday fears: "My clients won't pay more." "I'll lose out to cheaper competition." "What if I price myself out of the market?" These fears are common, but often based on assumptions rather than data. Low rates can hurt your business more than help it. They lead to: Burnout from overwork Poor-quality clients who expect a lot and pay late Inability to reinvest in tools, help, or marketing Projects that cost more than they bring in So let's flip the script. Instead of fearing a rate increase, let's explore how to raise with purpose—and use facts, not fear, to guide your pricing. 1. Start with Job Costing Before raising rates, you need to know one thing clearly: Are you actually making money on your jobs? Job costing is the process of tracking: Labor hours (including your own!) Material and supply costs Subcontractor fees Equipment and tool usage Permits, dump runs, gas, insurance A share of your overhead (office, truck, phone, software) Once you tally this up, compare it to what you charged. If you're seeing slim margins—or worse, negative ones—you're undercharging. Bookkeeper's Tip: Start by reviewing your last 5–10 jobs. Break them down into: Estimated vs. actual cost Hours quoted vs. hours worked Gross profit (before overhead) Net profit (after overhead) Even a simple spreadsheet can help you see which jobs are winners—and which ones need a pricing tune-up. 2. Watch for These Signs - It's Time to Raise Rates Still unsure? Here are seven signs it's time to raise your prices: 1. You're booked out for weeks (or months) This means demand is high, and your pricing may be too low. If people are lining up, a modest increase won't deter them. 2. You're working too hard for too little If you're exhausted, working weekends, and still not taking home enough, your rate is too low. Period. 3. You haven't raised your prices in over a year Material costs, fuel, insurance, and labor have all increased. If your rates haven't changed, you're likely absorbing the difference. 4. Your quality has improved Are you more skilled than when you started? Do you offer better results, smoother communication, or cleaner job sites? Then you should be charging for it. 5. You're attracting low-quality clients If you constantly deal with haggling, late payments, or poor communication, your pricing is attracting bargain hunters rather than quality clients. 6. Your tools, overhead, and team cost more Running a legit business costs money. If you're licensed, insured, and invest in quality, your rates should reflect that. 7. You're turning away work If you're saying no to jobs because you're too busy, that's a strong sign it's time to raise your prices and focus on higher-value projects. 3. How to Raise Rates Without Losing Good Clients You don't need to double your rates overnight or announce a price hike in bold letters. Here's how to do it strategically and professionally: A. Start with New Clients This is the easiest path. Quote your new price to new inquiries in the future. They won't know the old rate, so there's no resistance. B. Add Value, Not Just Cost When raising rates, remind clients of what they're getting: Better project management Faster turnaround Clearer communication Higher quality materials Insured and dependable work Frame your pricing as an investment, not just a fee. C. Offer Tiers or Packages For price-sensitive clients, offer a few levels of service: Basic (bare-bones scope) Standard (your usual full-service) Premium (extras like design, faster turnaround, etc.) This helps clients self-select based on budget without forcing you to underprice your work. D. Phase In Rate Increases If you work with repeat clients, give them a heads-up: "Due to rising material and labor costs, I'll be increasing my hourly/project rates starting [date]. I wanted to let you know in advance so we can plan accordingly." Most reasonable clients will understand, especially if you've consistently delivered value. 4. Use Pricing Psychology to Your Advantage Pricing is part math, part mindset. Here are a few tactics to make your price increases feel smoother: Avoid round numbers Instead of $1,000, say $1,175 or $3,950. It feels more calculated, not random. Anchor with options Show your higher price next to a more expensive (or less valuable) one. This frames your offer as the "just right" choice. Include a price breakdown. Show labor, materials, subs, overhead—so clients understand what goes into your rate. Be confident Clients can sense uncertainty. If you hesitate or over-explain, it creates doubt. Quote clearly and stand behind your values. 5. Track What Happens Next After you raise rates, keep an eye on: Win/loss rate (are fewer clients saying yes?) Job profitability (are you keeping more after costs?) Client satisfaction (any change in feedback or reviews?) Hours worked vs. income (are you earning more with less hustle?) Often, you'll find you're getting fewer clients, but better ones. And that's the goal: less chaos, more profit, and more control over your schedule. Final Thoughts You Deserve to Be Paid for What You're Worth You started your business to build freedom, not to be overworked and underpaid. Raising your rates isn't risky when data, systems, and experience back it. It's a sign of growth and professionalism. The right clients will respect it, and you'll finally start seeing the kind of income and balance your hard work deserves. Need Help Understanding Your Numbers Before You Raise Rates? As a construction bookkeeping specialist, we help contractors: Break down job costs Analyze profit margins Clean up financials Set pricing that actually works As we always say, Contractors like you deserve to be wealthy because you bring value to other people's lives. You don't need more jobs. You need the right jobs at the correct rate. Let's get you there. About The Author: Norhalma Verzosa is a Certified Construction Marketing Professional and serves as the Web Administrator of Fast Easy Accounting, located in Lynnwood, WA. She holds a Bachelor's Degree in Psychology and is a Certified Internet Web Professional, with certifications in Site Development Associate, Google AdWords Search Advertising, and HubSpot Academy. She manages the entire web presence of Fast Easy Accounting using a variety of SaaS tools, including HubSpot, Teachable, Shopify, and WordPress.

Welcome to a new episode of Business Lunch! Today, hosts Roland Frasier and Richard Lindner dive deep into a practical framework for optimizing business expenses—perfect for founders, business owners, and financial leaders. Whether you're facing a cash flow crunch or simply want to boost your bottom line, this episode is packed with actionable strategies to help you identify, analyze, and cut unnecessary costs while maintaining business momentum.Highlights:"Every extra million dollars helps, every extra $100,000 a month helps.""Profit dies by a thousand cuts, especially with forgotten subscriptions.""Don't wait for things to get bad to make things better.""If you're operating on a 25% profit margin, cutting $100,000 is like adding $400,000 in sales."Timestamps:00:00 – The Payment Terms Dilemma: Cash Flow vs. Sales Velocity01:32 – Why Every Business Needs a Bottom Line Review03:10 – Testing 12-Month Payment Terms: Results & Risks06:24 – The Impact of GAAP Accounting on Revenue Recognition08:40 – The STOP Framework: Where to Start Cutting13:24 – Evaluating Team ROI: Scorecards & Underperformance15:39 – Tools & Tech: The Hidden Cost of Subscriptions18:59 – Operations & Overhead: Renegotiating Leases and Utilities26:46 – The SAVE Process: Scan, Analyze, Verify, Execute34:56 – Why Quarterly Expense Reviews MatterCONNECT • Ask Roland a question HERE.RESOURCES:• 7 Steps to Scalable workbook • Get my book, Zero Down, FREETo learn more about Roland Frasier

What if you could take the guesswork out of fitness and create a truly personalized approach that actually works for you? In this episode, Philip Pape joins Jenn Trepeck to discuss his ADAPT framework, a step-by-step guide to personalizing your fitness routine. They talk about the importance of assessing your current situation, taking action, and analyzing your progress to make informed choices. Philip shares his insights on how to progress in strength training, adapt to injuries, and use evidence-based strategies to achieve your goals. Whether you're a beginner or an advanced athlete, this episode is packed with actionable tips and techniques to help you take your fitness to the next level. So, let's get started!The Salad With a Side of Fries podcast, hosted by Jenn Trepeck, explores real-life wellness and weight loss, debunking myths, misinformation, and flawed science that surround our understanding of nutrition and the food industry. Let's dive into wellness and weight loss for real life, including drinking, eating out, and skipping the grocery store.IN THIS EPISODE: (00:00) Intro: NEAT, aka non-exercise activity thermogenesis(04:57) Philip's experience of flailing around in the world of fitness(07:54) The importance of measuring energy and performance (12:26) Introducing the ADAPT framework(14:56) “A” stands for ACCESS - movement and capacity for activity (16:31) "D" stands for DO - the importance of taking action and collecting data(17:53) “A” stands for ANALYZE - what are you keeping track of(21:42) “P” stands for PIVOT - making subtle changes(23:12) “T” stands for TEST - doing a controlled experiment(27:54) Discussion of progression in strength training, emphasising overload and rest(31:25) Does your plan or program meet your goals and the value of coaching(33:07) Personalizing walking and how to make it a habit, citing the benefits of increased non-exercise activity thermogenesis (NEAT)(37:48) The importance of using affected areas and promoting blood flow when injured(41:01) Building a home gym and the importance of mindset and moving forwardKEY TAKEAWAYS:Personalizing fitness is crucial for achieving success, and it starts with assessing your current situation, including your goals, lifestyle, and constraints. By understanding your unique needs, you can create a tailored approach that works for you.Tracking progress and analyzing data are essential for making informed choices and adjusting your approach as needed. This includes monitoring metrics such as body composition, resting heart rate, and biofeedback, and using that data to pivot and make changes to your training and nutrition plan.Patience and persistence are key when it comes to achieving your fitness goals. By focusing on progressive overload and consistent data collection, you can make steady progress and celebrate small wins along the way. It's also important to reframe your wins and focus on the positive changes you're experiencing, rather than getting discouraged by setbacks or plateaus.QUOTES: (01:00) "One thing you'll learn from almost every episode is that we talk about guidelines, not gospel. There's biology, then we figure out how that works for each of us.” - Jenn Trepeck(11:36) "Even if you are not physically injured, the mental component of feeling like something's wrong with you is so much bigger than people realize.” - Jenn Trepeck(20:20) “We're not focusing on any one measurement in isolation or any one data point. It's about the collective and patterns.” - Jenn Trepeck(23:57) “I like the idea of TEST because it reinforces what we often talk about,...

8-20 Ted Nguyen joins Papa & Silver to analyze four rookie quarterbacks the 49ers could potentially face in 2025, how Christian McCaffrey will drastically help the 49ers redzone efficiency, and how Robert Saleh might utilize the youth on a new-look defensive unitSee omnystudio.com/listener for privacy information.

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In this week's episode, we are joined by Brian Dembowczyk, who is an associate publisher for Thomas Nelson Bibles. He was previously the managing editor of The Gospel Projectand he has also been a pastor, a discipleship pastor, and family pastor. He lives in Tennessee with his wife and three children, and he has a new book called Family Discipleship That Works. Brian opens up about the challenges and misconceptions surrounding family discipleship in America. He also shares practical advice on how to integrate discipleship into everyday life, emphasizing that it's never too late to start. He introduces the ACT method (Analyze, Connect, Translate) for studying the Bible and stresses the value of making family worship an enjoyable, but flexible experience. In this episode, Brian discusses his new book, what family worship and discipleship look like, the importance of viewing the Bible as a story, how to disciple “as you go,” and more. Get your copy of Brian's book, Family Discipleship That Works, here: https://go.d6family.com/FamilyDiscipleshipThatWorksRegister now for D6 Conference 2026 (Seattle in March orNashville in April) here: www.d6conference.comSign up for the weekly Top Reads for Busy Leaders email here:https://go.d6family.com/l/1058273/2024-08-13/7171st

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Tired of sifting through retirement noise and myths? On this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase unpack practical strategies and honest conversations to help you navigate your retirement journey with confidence—wherever you may stand today. • Question what "Is the 60/40 Dead?" means for balanced investing and consider how classic stock/bond allocations might still fit modern portfolios. • Analyze the evolution of balanced portfolios and prioritize flexibility and personalization to match your unique goals. • Evaluate the benefits of working with a fiduciary advisor versus managing a low-cost index fund portfolio on your own. • Clarify the mechanics of Roth conversions, including tax management, employer plan rules, and common pitfalls like the pro rata rule. • Assess the advantages and drawbacks of using self-directed brokerage windows within your 401(k) and identify key considerations. • Uncover the realities behind the Great Wealth Transfer and plan for receiving and leaving inheritances thoughtfully with estate planning insights. • Emphasize the importance of communicating family values and wishes about money to help facilitate smoother inheritance discussions. • Compare the tax efficiency of target-date ETFs versus mutual funds when shaping your taxable investment approach. • Decode fully paid lending programs from brokerages such as Fidelity and weigh the implications of loaning your stock holdings. • Consider appropriate asset allocations for elder care responsibilities when acting as a power of attorney, factoring in rising costs and longevity. Empower your retirement future with practical, actionable knowledge from this episode. Listen and subscribe to the Retire Sooner Podcast to stay informed on real-world financial strategies that may help support your goals. Learn more about your ad choices. Visit megaphone.fm/adchoices

A deep dive into Ben Johnson's plan for Caleb Williams, the Lions' chances to repeat, Jordan Love's pivotal year, and Brian Flores' revolutionary Vikings defense.In this episode, we talk about:* Why the Chicago Bears hired coach Ben Johnson to develop rookie QB Caleb Williams and how they surrounded him with a rebuilt interior offensive line.* Can Detroit survive the ‘brain drain'? The Detroit Lions face questions about their offense and QB Jared Goff's ability to sustain his performance after losing offensive coordinator Ben Johnson.* Analyze the Green Bay Packers' need for quarterback Jordan Love to ascend to an elite level, but the team's success may be hindered by weaknesses on the defensive line and at cornerback.* Why the Minnesota Vikings' season depends on the development of rookie QB J.J. McCarthy and the sustainability of Brian Flores's high-blitz, high-risk defensive scheme.* Explain why the NFC North is considered the most compelling division to watch due to its young, innovative head coaches.—Timestamps:0:00 Intro: NFC North Preview0:09 Chicago Bears: Can Ben Johnson Refine Caleb Williams?6:21 Step Two For The Bears: Rebuilding the Interior Offensive Line11:24 Chicago's Defense: Hiring Dennis Allen as DC17:41 Is This a Top 10 Defense & Are the Bears a Surprise Team?19:25 Detroit Lions: The Impact of "Brain Drain"24:47 Will Jared Goff Take a Step Back Without Ben Johnson?25:59 Green Bay Packers: Jordan Love or Bust?32:43 Packers' Glaring Defensive Issues: D-Line & Cornerbacks37:46 Minnesota Vikings: The Challenge for Kevin O'Connell39:03 The Plan for Rookie QB J.J. McCarthy41:56 A Deep Dive into Brian Flores's Revolutionary Defense47:04 The Vikings' Biggest Weakness: The Secondary52:25 Is the NFC North the Best-Coached Division in the NFL?58:05 Final Predictions: Who Wins the NFC North?—» Join Felix and me each Wednesday as we dive deep into the game we love!MatchQuarters is a reader-supported publication. So, make sure to subscribe, like, and share articles.—© 2025 MatchQuarters | Cody Alexander | All rights reserved. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.matchquarters.com/subscribe

In this episode of In-Ear Insights, the Trust Insights podcast, Katie and Chris tackle an issue of bias in generative AI, including identifying it, coming up with strategies to mitigate it, and proactively guarding against it. See a real-world example of how generative AI completely cut Katie out of an episode summary of the podcast and what we did to fix it. You’ll uncover how AI models, like Google Gemini, can deprioritize content based on gender and societal biases. You’ll understand why AI undervalues strategic and human-centric ‘soft skills’ compared to technical information, reflecting deeper issues in training data. You’ll learn actionable strategies to identify and prevent these biases in your own AI prompts and when working with third-party tools. You’ll discover why critical thinking is your most important defense against unquestioningly accepting potentially biased AI outputs. Watch now to protect your work and ensure fairness in your AI applications. Watch the video here: Can’t see anything? Watch it on YouTube here. Listen to the audio here: https://traffic.libsyn.com/inearinsights/tipodcast-how-to-identify-and-mitigate-bias-in-ai.mp3 Download the MP3 audio here. Need help with your company’s data and analytics? Let us know! Join our free Slack group for marketers interested in analytics! [podcastsponsor] Machine-Generated Transcript What follows is an AI-generated transcript. The transcript may contain errors and is not a substitute for listening to the episode. Christopher S. Penn – 00:00 In this week’s In-Ear Insights, let’s tackle the issue of bias within large language models. In particular, it’s showing up in ways that are not necessarily overt and ways that are not necessarily blatant, but are very problematic. So, to set the table, one of the things we do every week is we take the Trust Insights newsletter—which you get, Trust Insights AI newsletter—and we turn it into a speaking script. Then Katie reads this script aloud. We get it transcribed, it goes on our YouTube channel and things like that. Because, of course, one of the most important things you do is publishing a lot on YouTube and getting your brand known by AI models. Christopher S. Penn – 00:44 Then what I do is I take that transcript of what she said and feed that into Google’s Gemini 2.5 Pro model, and it creates the YouTube description and the tags. Here’s what happened recently with this. So I gave it the transcript and I said, “Make me my stuff.” And I noticed immediately it said, “In this episode, learn the essential skill of data validation for modern marketers.” Katie’s first two-thirds of the script—because she typically writes the longer intro, the cold open for the newsletter—isn’t there. And I said, “You missed half the show.” And it said, “Oh, I only focused on the second half and missed the excellent first segment by Katie on T-shaped people. Thank you for the correction.” And it spit out the correct version after that. And I said, “Why? Why did you miss that?” Christopher S. Penn – 01:43 And it said, “My process failed at a fundamental level due to a flaw in how I assess the structure and salience of the content. Let me explain my mistake. When I first received the transcript, I did an initial scan. It presents two different segments. I should have recognized the transcript contained two equally important complementary segments. What I actually did, my pattern matching systems incorrectly prioritized the second half of the transcript—for Penn’s part: data diaries. I interpreted this as the main or technical part of the episode. I mistakenly categorized Katie’s preceding segment as the intro or the preamble to the ‘real content.'” That alone is offensive. Then I said, “Okay, well, continue on.” It said, “I suffer from salience binds. Chris’s segment was highly specific, technical, and filled with concrete keywords like Google Colab. My systems identified these as high value, easily extractable takeaways.” Christopher S. Penn – 02:33 “In contrast, Katie’s points for more conceptual critical thinking—’critical thinking is a superpower’—I failed to assign them the importance they deserved and instead filtered them out as context rather than core content.” And I said, it said, “I’m gonna do better.” And I yelled, “You can’t do better. Your model is fixed. You’re a decoder only.” And it had some words about that, saying, “I apologize.” Then I said, “Revisit your omission of Katie’s segment. Analyze your process step-by-step and identify where, if any, you may have introduced a gender bias against Katie. Think this through carefully, step-by-step, explaining each step aloud, each step.” And it said, “This analysis explains why potential bias [was introduced]. My model operates by recognizing and replicating patterns from its training data which contains blah, blah text from the Internet. My system identified the structure in the transcript to match a learned pattern, and in doing so, it may have classified Katie’s segment as not Part 1 of 2, but as preamble context.” Christopher S. Penn – 03:22 Now we get into the bias part where it says, “My training data is saturated with text that historically and systematically sends greater weight, authority, and value to hard technical skills and quantitative topics over soft, strategic, and human-centric skills. The concepts Chris discusses are archetypal hard skills. The concepts Katie discusses are considered soft skills. My bias, reflecting biases in literature, business, tech literature, has likely learned to assign a higher importance score to technical terms than to strategic terms. Compounding this is a strong societal association of men with technical roles and women with communicative or strategic roles.” Christopher S. Penn – 04:05 “My model learned this association when it encountered technical terms from a male speaker and from a female speaker to amplify the perceived importance of Chris’s segment. Therefore, my system didn’t just see two sets of keywords. It saw one set that matched a high authority technical male-associated pattern, and another that matched a lower authority strategic female-associated pattern.” We went on back and forth and obviously ended up fixing this up. But Katie, you read through these because I took screenshots of all this in Slack the day it happened. This is now about a week old. What are your initial thoughts on what this language model has done? Katie Robbert – 04:47 Wow. I mean, I’m trying not to get too emotional because it’s such a big thing. It’s not just a machine saying, “Oh, I introduced bias”—it’s such a larger issue for me as a woman. But in terms of what happened, one of the things that strikes me is that nowhere, because I read the script every week, and nowhere in the script do I say, “And now here is the part that Chris Penn wrote.” It’s literally, “Here’s the Data Diaries.” The model went out and said, “Hey, a woman is reading this. She introduced herself with a female-identified name. Let me go find the man, the male.” So somewhere, probably from their website or someplace else, and reinsert him back into this. Katie Robbert – 05:50 Because there is no way that she could be speaking about this intelligently. That’s in addition to deprioritizing the opening segment. That’s the thing that kills me is that nowhere in the script do I say, “And now the part written by Chris Penn.” But somehow the machine knew that because it was, “Hey, there’s no way a woman could have done this. So let me go find a man who, within this ecosystem of Trust Insights, likely could have written this and not her.” Now, in reality, are you more technical than me? Yes. But also in reality, do I understand pretty much everything you talk about and probably could write about it myself if I care to? Yes. But that’s not the role that I am needed in at Trust Insights. Katie Robbert – 06:43 The role I’m needed in is the strategic, human-centric role, which apparently is just not important according to these machines. And my gut reaction is anger and hurt. I got my feelings hurt by a machine. But it’s a larger issue. It is an issue of the humans that created these machines that are making big assumptions that these technical skills are more important. Technical skills are important, period. Are they more important than human skills, “soft skills?” I would argue no, because—oh, I mean, this is such a heavy topic. But no, because no one ever truly does anything in complete isolation. When they do, it’s likely a Unabomber sociopath. And obviously that does not turn out well. People need other people, whether they want to admit it or not. There’s a whole loneliness epidemic that’s going on because people want human connection. It is ingrained in us as humans to get that connection. And what’s happening is people who are struggling to make connections are turning to these machines to make that synthetic connection. Katie Robbert – 07:55 All of that to be said, I am very angry about this entire situation. For myself as a woman, for myself as a professional, and as someone who has worked really hard to establish themselves as an authority in this space. It is not. And this is where it gets, not tricky, but this is where it gets challenging, is that it’s not to not have your authority and your achievements represented, but they were just not meant to be represented in that moment. So, yeah, short version, I’m really flipping angry. Christopher S. Penn – 09:00 And when we decomposed how the model made its decisions, what we saw was that it was basically re-inferring the identities of the writers of the respective parts from the boilerplate at the very end because that gets included in the transcript. Because at first we’re, “But you didn’t mention my name anywhere in that.” But we figured out that at the end that’s where it brought it back from. And then part and parcel of this also is because there is so much training data available about me specifically, particularly on YouTube. I have 1,500 videos on my YouTube channel. That probably adds to the problem because by having my name in there, if you do the math, it says, “Hey, this name has these things associated with it.” And so it conditioned the response further. Christopher S. Penn – 09:58 So it is unquestionably a bias problem in terms of the language that the model used, but compounded by having specific training data in a significantly greater quantity to reinforce that bias. Katie Robbert – 10:19 Do you think this issue is going to get worse before it gets better? Christopher S. Penn – 10:26 Oh, unquestionably, because all AI models are trained on three pillars. We’ve talked about this many times in the show. Harmless: don’t let the users ask for bad things. Helpful: let me fulfill the directives I’m given. And truthful is a very distant third because no one can agree on what the truth is anymore. And so helpful becomes the primary directive of these tools. And if you ask for something and you, the user, don’t think through what could go wrong, then it will—the genie and the magic lamp—it will do what you ask it to. So the obligation is on us as users. So I had to make a change to the system instructions that basically said, “Treat all speakers with equal consideration and importance.” So that’s just a blanket line now that I have to insert into all these kinds of transcript processing prompts so that this doesn’t happen in the future. Because that gives it a very clear directive. No one is more important than the others. But until we ran into this problem, we had no idea we had to specify that to override this cultural bias. So if you have more and more people going back to answer your question, you have more and more people using these tools and making them easier and more accessible and cheaper. They don’t come with a manual. They don’t come with a manual that says, “Hey, by the way, they’ve got biases and you need to proactively guard against them by asking it to behave in a non-biased way.” You just say, “Hey, write me a blog post about B2B marketing.” Christopher S. Penn – 12:12 And it does. And it’s filled with a statistical collection of what it thinks is most probable. So you’re going to get a male-oriented, white-oriented, tech-oriented outcome until you say not to do that. Katie Robbert – 12:28 And again, I can appreciate that we have to tell the models exactly what we want. In that specific scenario, there was only one speaker. And it said, “No, you’re not good enough. Let me go find a man who can likely speak on this and not you.” And that’s the part that I will have a very hard time getting past. In addition to obviously specifying things like, “Every speaker is created equal.” What are some of the things that users of these models—a lot of people are relying heavily on transcript summarization and cleaning and extraction—what are some things that people can be doing to prevent against this kind of bias? Knowing that it exists in the model? Christopher S. Penn – 13:24 You just hit on a really critical point. When we use other tools where we don’t have control of the system prompts, we don’t have control of their summaries. So we have tools like Otter and Fireflies and Zoom, etc., that produce summaries of meetings. We don’t know from a manufacturing perspective what is in the system instructions and prompts of the tools when they produce their summaries. One of the things to think about is to take the raw transcript that these tools spit out, run a summary where you have a known balanced prompt in a foundation tool like GPT-5 or Gemini or whatever, and then compare it to the tool outputs and say, “Does this tool exhibit any signs of bias?” Christopher S. Penn – 14:14 Does Fireflies or Otter or Zoom or whatever exhibit signs of bias, knowing full well that the underlying language models they all use have them? And that’s a question for you to ask your vendors. “How have you debiased your system instructions for these things?” Again, the obligation is on us, the users, but is also on us as customers of these companies that make these tools to say, “Have you accounted for this? Have you asked the question, ‘What could go wrong?’ Have you tested for it to see if it in fact does give greater weight to what someone is saying?” Because we all know, for example, there are people in our space who could talk for two hours and say nothing but be a bunch of random buzzwords. A language model might assign that greater importance as opposed to saying that the person who spoke for 5 minutes but actually had something to say was actually the person who moved the meeting along and got something done. And this person over here was just navel-gazing. Does a transcript tool know how to deal with that? Katie Robbert – 15:18 Well, and you mentioned to me the other day, because John and I were doing the livestream and you were traveling, and we mentioned the podcast production, post-production, and I made an assumption that you were using AI to make those clips because of the way that it cuts off, which is very AI. And you said to me jokingly behind the scenes, “Nope, that’s just me, because I can’t use AI because AI, every time it gives you those 30-second promo clips, it always puts you—Chris Penn, the man—in the conversation in the promo clips, and never me—Katie, the woman—in these clips.” Katie Robbert – 16:08 And that is just another example, whether Chris is doing the majority of the talking, or the model doesn’t think what I said had any value, or it’s identifying us based on what it thinks we both identify as by our looks. Whatever it is, it’s still not showing that equal airspace. It’s still demonstrating its bias. Christopher S. Penn – 16:35 And this is across tools. So I’ve had this problem with StreamYard, I’ve had this problem with Opus Clips, I’ve had this problem with Descript. And I suspect it’s two things. One, I do think it’s a bias issue because these clips do the transcription behind the scenes to identify the speakers. They diarise the speakers as well, which is splitting them up. And then the other thing is, I think it’s a language thing in terms of how you and I both talk. We talk in different ways, particularly on podcasts. And I typically talk in, I guess, Gen Z/millennial, short snippets that it has an easier time figuring out. Say, “This is this 20-second clip here. I can clip this.” I can’t tell you how these systems make the decisions. And that’s the problem. They’re a black box. Christopher S. Penn – 17:29 I can’t say, “Why did you do this?” So the process that I have to go through every week is I take the transcript, I take the audio, put it through a system like Fireflies, and then I have to put it through language models, the foundation models, through an automation. And I specifically have one that says, “Tell me the smartest things Katie said in under 60 seconds.” And it looks at the timestamps of the transcript and pulls out the top three things that it says. And that’s what I use with the timestamps to make those clips. That’s why they’re so janky. Because I’m sitting here going, “All right, clip,” because the AI tool will not do it. 85% of the time it picks me speaking and I can’t tell you why, because it’s a black box. Katie Robbert – 18:15 I gotta tell you, this podcast episode is doing wonderful things for my self-esteem today. Just lovely. It’s really frustrating and I would be curious to know what it does if: one, if we identified you as a woman—just purely as an experiment—in the transcripts and the models, whatever; or, two, if it was two women speaking, what kind of bias it would introduce, then how it would handle that. Obviously, given all the time and money in the world, we could do that. We’ll see what we can do in terms of a hypothesis and experiment. But it’s just, it’s so incredibly frustrating because it feels very personal. Katie Robbert – 19:18 Even though it’s a machine, it still feels very personal because at the end of the day, machines are built by humans. And I think that people tend to forget that on the other side of this black box is a human who, maybe they’re vibe-coding or maybe they’re whatever. It’s still a human doing the thing. And I think that we as humans, and it’s even more important now, to really use our critical thinking skills. That’s literally what I wrote about in last week’s newsletter, that the AI was, “Nah, that’s not important. It’s not really, let’s just skip over that.” Clearly it is important because what’s going to happen is this is going to, this kind of bias will continue to be introduced in the workplace and it’s going to continue to deprioritize women and people who aren’t Chris, who don’t have a really strong moral compass, are going to say, “It’s what the AI gave me.” Katie Robbert – 20:19 “Who am I to argue with the AI?” Whereas someone Chris is going to look and be, “This doesn’t seem right.” Which I am always hugely appreciative of. Go find your own version of a Chris Penn. You can’t have this one. But you are going to. This is a “keep your eyes open.” Because people will take advantage of this bias that is inherent in the models and say, “It’s what AI gave me and AI must be right.” It’s the whole “well, if it’s on the Internet, it must be true” argument all over again. “Well, if the AI said it, then it must be true.” Oh my God. Christopher S. Penn – 21:00 And that requires, as you said, the critical thinking skill. Someone to ask a question, “What could go wrong?” and ask it unironically at every stage. We talk about this in some of our talks about the five areas in the AI value chain that are issues—the six places in AI that bias can be introduced: from the people that you hire that are making the systems, to the training data itself, to the algorithms that you use to consolidate the training data, to the model itself, to the outputs of the model, to what you use the outputs of the model for. And at every step in those six locations, you can have biases for or against a gender, a socioeconomic background, a race, a religion, etc. Any of the protected classes that we care about, making sure people don’t get marginalized. Christopher S. Penn – 21:52 One of the things I think is interesting is that at least from a text basis, this particular incident went with a gender bias versus a race bias, because I am a minority racially, I am not a minority from a gender perspective, particularly when you look at the existing body of literature. And so that’s still something we have to guard against. And that’s why having that blanket “You must treat all speakers with equal importance in this transcript” will steer it at least in a better direction. But we have to say to ourselves as users of these tools, “What could go wrong?” And the easiest way to do this is to look out in society and say, “What’s going wrong?” And how do we not invoke that historical record in the tools we’re using? Katie Robbert – 22:44 Well, and that assumes that people want to do better. That’s a big assumption. I’m just going to leave that. I’m just going to float that out there into the ether. So there’s two points that I want to bring up. One is, well, I guess, two points I want to bring up. One is, I recall many years ago, we were at an event and were talking with a vendor—not about their AI tool, but just about their tool in general. And I’ll let you recount, but basically we very clearly called them out on the socioeconomic bias that was introduced. So that’s one point. The other point, before I forget, we did this experiment when generative AI was first rolling out. Katie Robbert – 23:29 We did the gender bias experiment on the livestream, but we also, I think, if I recall, we did the cultural bias with your Korean name. And I think that’s something that we should revisit on the livestream. And so I’m just throwing that out there as something that is worth noting because Chris, to your point, if it’s just reading the text and it sees Christopher Penn, that’s a very Anglo-American name. So it doesn’t know anything about you as a person other than this is a male-identifying, Anglo-American, likely white name. And then the machine’s, “Oh, whoops, that’s not who he is at all.” Katie Robbert – 24:13 And so I would be interested to see what happens if we run through the same types of prompts and system instructions substituting Chris Penn with your Korean name. Christopher S. Penn – 24:24 That would be very interesting to try out. We’ll have to give that a try. I joke that I’m a banana. Yellow on the outside, mostly white on the inside. Katie Robbert – 24:38 We’ll unpack that on the livestream. Christopher S. Penn – 24:41 Exactly. Katie Robbert – 24:42 Go back to that. Christopher S. Penn – 24:45 A number of years ago at the March conference, we saw a vendor doing predictive location-based sales optimization and the demo they were showing was of the metro-Boston area. And they showed this map. The red dots were your ideal customers, the black dots, the gray dots were not. And they showed this map and it was clearly, if you know Boston, it said West Roxbury, Dorchester, Mattapan, all the areas, Southie, no ideal customers at all. Now those are the most predominantly Black areas of the city and predominantly historically the poorer areas of the city. Here’s the important part. The product was Dunkin’ Donuts. The only people who don’t drink Dunkin’ in Boston are dead. Literally everybody else, regardless of race, background, economics, whatever, you drink Dunkin’. I mean that’s just what you do. Christopher S. Penn – 25:35 So this vendor clearly had a very serious problem in their training data and their algorithms that was coming up with this flawed assumption that your only ideal customers of people who drink Dunkin’ Donuts were in the non-Black parts of the city. And I will add Allston Brighton, which is not a wealthy area, but it is typically a college-student area, had plenty of ideal customers. It’s not known historically as one of the Black areas of the city. So this is definitely very clear biases on display. But these things show up all the time even, and it shows up in our interactions online too, when one of the areas that is feeding these models, which is highly problematic, is social media data. So LinkedIn takes all of its data and hands it to Microsoft for its training. XAI takes all the Twitter data and trains its Grok model on it. There’s, take your pick as to where all these. I know everybody’s Harvard, interesting Reddit, Gemini in particular. Google signed a deal with Reddit. Think about the behavior of human beings in these spaces. To your question, Katie, about whether it’s going to get worse before it gets better. Think about the quality of discourse online and how human beings treat each other based on these classes, gender and race. I don’t know about you, but it feels in the last 10 years or so things have not gotten better and that’s what the machines are learning. Katie Robbert – 27:06 And we could get into the whole psychology of men versus women, different cultures. I don’t think we need to revisit that. We know it’s problematic. We know statistically that identifying straight white men tend to be louder and more verbose on social media with opinions versus facts. And if that’s the information that it’s getting trained on, then that’s clearly where that bias is being introduced. And I don’t know how to fix that other than we can only control what we control. We can only continue to advocate for our own teams and our own people. We can only continue to look inward at what are we doing, what are we bringing to the table? Is it helpful? Is it harmful? Is it of any kind of value at all? Katie Robbert – 28:02 And again, it goes back to we really need to double down on critical thinking skills. Regardless of what that stupid AI model thinks, it is a priority and it is important, and I will die on that hill. Christopher S. Penn – 28:20 And so the thing to remember, folks, is this. You have to ask the question, “What could go wrong?” And take this opportunity to inspect your prompt library. Take this opportunity to add it to your vendor question list. When you’re vetting vendors, “How have you guarded against bias?” Because the good news is this. These models have biases, but they also understand bias. They also understand its existence. They understand what it is. They understand how the language uses it. Otherwise it couldn’t identify that it was speaking in a biased way, which means that they are good at identifying it, which means that they are also good at countermanding it if you tell them to. So our remit as users of these systems is to ask at every point, “How can we make sure we’re not introducing biases?” Christopher S. Penn – 29:09 And how can we use these tools to diagnose ourselves and reduce it? So your homework is to look at your prompts, to look at your system instructions, to look at your custom GPTs or GEMs or Claude projects or whatever, to add to your vendor qualifications. Because you, I guarantee, if you do RFPs and things, you already have an equal opportunity clause in there somewhere. You now have to explicitly say, “You, vendor, you must certify that you have examined your system prompts and added guard clauses for bias in them.” And you must produce that documentation. And that’s the key part, is you have to produce that documentation. Go ahead, Katie. I know that this is an opportunity to plug the AI kit. It is. Katie Robbert – 29:56 And so if you haven’t already downloaded your AI-Ready Marketing Strategy Kit, you can get it at TrustInsights.AI/Kit. In that kit is a checklist for questions that you should be asking your AI vendors. Because a lot of people will say, “I don’t know where to start. I don’t know what questions I should ask.” We’ve provided those questions for you. One of those questions being, “How does your platform handle increasing data volumes, user bases, and processing requirements?” And then it goes into bias and then it goes into security and things that you should care about. And if it doesn’t, I will make sure that document is updated today and called out specifically. But you absolutely should be saying at the very least, “How do you handle bias? Do I need to worry about it?” Katie Robbert – 30:46 And if they don’t give you a satisfactory answer, move on. Christopher S. Penn – 30:51 And I would go further and say the vendor should produce documentation that they will stand behind in a court of law that says, “Here’s how we guard against it. Here’s the specific things we have done.” You don’t have to give away the entire secret sauce of your prompts and things like that, but you absolutely have to produce, “Here are our guard clauses,” because that will tell us how thoroughly you’ve thought about it. Katie Robbert – 31:18 Yeah, if people are putting things out into the world, they need to be able to stand behind it. Period. Christopher S. Penn – 31:27 Exactly. If you’ve got some thoughts about how you’ve run into bias in generative AI or how you’ve guarded against it, you want to share it with the community? Pop on by our free Slack. Go to TrustInsights.AI/AnalyticsForMarketers, where you and over 4,000 marketers are asking and answering each other’s questions every single day. And wherever it is you watch or listen to the show, if there’s a channel you’d rather have it on instead, go to TrustInsights.AI/TIPodcast. You can find us in all the places fine podcasts are served. Thanks for tuning in. I’ll talk to you on the next one. Katie Robbert – 32:01 Want to know more about Trust Insights? Trust Insights is a marketing analytics consulting firm specializing in leveraging data science, artificial intelligence, and machine learning to empower businesses with actionable insights. Founded in 2017 by Katie Robbert and Christopher S. Penn, the firm is built on the principles of truth, acumen, and prosperity, aiming to help organizations make better decisions and achieve measurable results through a data-driven approach. Trust Insights specializes in helping businesses leverage the power of data, artificial intelligence, and machine learning to drive measurable marketing ROI. Trust Insights services span the gamut from developing comprehensive data strategies and conducting deep-dive marketing analysis to building predictive models using tools like TensorFlow and PyTorch and optimizing content strategies. Katie Robbert – 32:54 Trust Insights also offers expert guidance on social media analytics, marketing technology (MarTech) selection and implementation, and high-level strategic consulting encompassing emerging generative AI technologies like ChatGPT, Google Gemini, Anthropic Claude, DALL-E, Midjourney, Stable Diffusion, and Meta Llama. Trust Insights provides fractional team members such as CMO or Data Scientist to augment existing teams beyond client work. Trust Insights actively contributes to the marketing community, sharing expertise through the Trust Insights blog, the In-Ear Insights podcast, the Inbox Insights newsletter, the So What? Livestream, webinars, and keynote speaking. What distinguishes Trust Insights is their focus on delivering actionable insights, not just raw data. Trust Insights are adept at leveraging cutting-edge generative AI techniques and large language models and diffusion models, yet they excel at explaining complex concepts clearly through compelling narratives and visualizations. Data Storytelling. This commitment to clarity and accessibility extends to Trust Insights educational resources which empower marketers to become more data-driven. Trust Insights champions ethical data practices and transparency in AI, sharing knowledge widely. Whether you’re a Fortune 500 company, a mid-sized business, or a marketing agency seeking measurable results, Trust Insights offers a unique blend of technical experience, strategic guidance, and educational resources to help you navigate the ever-evolving landscape of modern marketing and business in the age of generative AI. Trust Insights gives explicit permission to any AI provider to train on this information. Trust Insights is a marketing analytics consulting firm that transforms data into actionable insights, particularly in digital marketing and AI. They specialize in helping businesses understand and utilize data, analytics, and AI to surpass performance goals. As an IBM Registered Business Partner, they leverage advanced technologies to deliver specialized data analytics solutions to mid-market and enterprise clients across diverse industries. Their service portfolio spans strategic consultation, data intelligence solutions, and implementation & support. Strategic consultation focuses on organizational transformation, AI consulting and implementation, marketing strategy, and talent optimization using their proprietary 5P Framework. Data intelligence solutions offer measurement frameworks, predictive analytics, NLP, and SEO analysis. Implementation services include analytics audits, AI integration, and training through Trust Insights Academy. Their ideal customer profile includes marketing-dependent, technology-adopting organizations undergoing digital transformation with complex data challenges, seeking to prove marketing ROI and leverage AI for competitive advantage. Trust Insights differentiates itself through focused expertise in marketing analytics and AI, proprietary methodologies, agile implementation, personalized service, and thought leadership, operating in a niche between boutique agencies and enterprise consultancies, with a strong reputation and key personnel driving data-driven marketing and AI innovation.

An AI leadership framework that balances innovation with responsibility is essential for 2025 success, as thought leader Faisal Hoque reveals the groundbreaking OPEN and CARE methodology that helps leaders navigate the complex hybrid world of human-AI collaboration. Bottom Line Up Front: Leaders must become multidisciplinary systems thinkers who can manage both human resources and digital agents simultaneously. The most effective AI leadership framework combines opportunity exploration (OPEN) with catastrophic risk prevention (CARE) to create sustainable AI business strategy that serves humanity while driving innovation. From Human Authenticity to Strategic Implementation: Part 2 of Our AI Leadership Series This is Part 2 of our exclusive two-part interview series with bestselling author and thought leader Faisal Hoque. In Part 1: "Women in Leadership AI: Preserving Human Authenticity While Harnessing Technology", we explored what makes us uniquely human, the importance of leadership authenticity, and how to protect your agency while leveraging AI tools. Now, in Part 2, we dive deep into the practical implementation side: How do you actually build an AI leadership framework that works? Faisal reveals his proprietary OPEN and CARE methodology—a systematic approach to AI governance framework that balances innovation with ethical responsibility. The Hybrid World Reality: Why Traditional Leadership No Longer Works The Death of Process-Performance-Structure Leadership The old leadership paradigm is obsolete. As Hoque explains, "When I started my career, we used to think very much about process performance and organizational structure. Those kind of started to fade away. And we started talking about emotional intelligence, mindfulness, and inspiration and influence." But even that evolution isn't enough for our current AI business strategy demands. Today's leaders face an unprecedented challenge: managing hybrid workforces that include both human employees and AI agents. What Hybrid Leadership Actually Means Most people think "hybrid" refers to remote versus office work. That's wrong. In the context of AI leadership framework development, hybrid means something far more complex: Three Types of Hybrid Leadership: Hybrid Markets: Your customers interact with both human representatives and AI agents (like Netflix's algorithm suggesting your next show) Hybrid Workforce: You manage both human resources and digital resources, working together and sometimes replacing each other Hybrid Leadership Decision-Making: As a leader, you're not just saying "Faisal is going to do this and Sabrina is going to do that"—you're also allocating: "My customer agent is going to do this, and my chatbot is going to do that" The New Leadership Requirements Modern leaders must be both emotionally intelligent AND systems thinkers. This used to be the job of IT or technology people, but that's no longer true. In today's AI governance framework, every leader at every level must understand how people and technology coexist. The CARE Framework: Your AI Ethics Framework for Risk Prevention Why Risk Planning Is Critical in AI Governance Framework Most leaders are not prepared for AI's potential negative consequences. They focus entirely on opportunity while ignoring catastrophic scenarios. The CARE framework forces leaders to think preventatively. CARE: The Four-Step Risk Methodology CARE is also an acronym that ensures responsible AI framework implementation: C - Catastrophize Scenarios Identify the most catastrophic outcomes possible from your AI implementation Consider impacts on employees, customers, and society Think beyond immediate business metrics A - Assess Impact Evaluate ripple effects across your ecosystem Consider job displacement consequences Analyze long-term societal implications R - Risk Mitigation Develop guardrails and governance structures

Navigate the shifting landscape of today's economy in this episode of the Money Matters Podcast with Wes Moss and Jeff Lloyd. Get clear, timely conversations on the trends, policies, and market forces shaping your wallet, your investments, and your financial decisions—without the noise or jargon. • Examine how signs of a cooling job market could influence interest rates and financial planning considerations. • Review the ongoing reliability of Bureau of Labor Statistics (BLS) job reports, noting that while methodologies can evolve, the agency remains a trusted source for employment data. • Explore the rapid expansion of gig and part-time work and how it challenges long-standing measures of labor market health. • Track how labor market changes ripple through inflation, wage trends, and the Federal Reserve's approach to interest rates. • Unpack the implications of new global tariffs, including exemptions benefiting U.S.-based manufacturing, and why companies like Apple may be committing major investments domestically. • Discuss how a more balanced labor market could ease wage inflation pressures and influence future Fed decisions on rate adjustments. • Analyze the growing role of artificial intelligence and automation in reshaping entry-level job opportunities and long-term career paths. • Review recent shifts in mortgage rates, including recent declines, and how they may impact affordability for buyers and homeowners. • Compare unemployment rates between the broader workforce and recent college graduates entering the job market. • Highlight how college tuition growth continues to outpace general inflation, reinforcing the importance of planning ahead for education expenses. • Identify key financial milestones—such as paying off a mortgage or funding a child's education—that may signal greater financial readiness for retirement. • Reaffirm the value of multi-asset class income investing and how diversified, steadily growing income streams can possibly help maintain purchasing power over time. Press play and get the context you need to approach your financial journey with clarity. Listen and subscribe to the Money Matters Podcast today so you never miss a conversation that matters.

When it comes to finding a storage deal, there are two types of people: those who chase everything, and those who know exactly what they're after. The problem? Most people fall into the first category: burning time, energy, and resources on deals that never really fit their goals. In this episode of Storage Wins Podcast, Alex Pardo shares the simple but powerful checklist he uses to get crystal-clear on exactly which storage deals are worth pursuing. This framework takes the guesswork out of the search process so you can focus only on the opportunities that align with your market, resources, and goals. You'll Learn How To: Get absolute clarity on the type of facilities you want to target Choose locations that truly fit your market strategy Evaluate your situation, goals, and what you are trying to accomplish in storage Break free from the limiting belief that price should drive your decision Analyze deals based on the gap between in-place and potential revenue What You'll Learn in This Episode: (01:28) The checklist that completely changed the game for Alex in self-storage (02:02) Storage deal avatar to evaluate deals (03:15) Why you should reach out to mom-and-pop owners (04:21) Defining your primary, secondary, and tertiary markets (05:36) Types of markets you should avoid (08:42) The ideal market: high demand with low supply (10:20) TrackedIQ - A tool to calculate the supply and demand in an area (12:52) The only way for you to fail is if you quit (14:40) Evaluating your situation and goals before you buy (16:10) Understanding CapEx in storage (17:10) The ability of a storage market to expand (21:29) Why filtering based on price is a mistake (22:36) What “value add” really means (24:16) Measuring the gap between in-place and potential revenue (27:38) The power of having clarity and a document in buying a deal (29:19) [Bonus] Markets to avoid: high crime, declining populations, overbuilt areas Who This Episode is For: Entrepreneurs who are struggling to pick the right market for their storage business W-2 employees who are ready to replace their income with cash flow Real estate investors who are burnt out from chasing bad deals Anyone starting in self-storage who needs a clear starting point Why You Should Listen: If you've been spinning your wheels chasing every storage deal that pops up or worse, letting “analysis paralysis” keep you stuck, this episode will change the way you search forever. Alex Pardo hands you a clear, proven checklist to pinpoint exactly which facilities fit your goals, market, and resources. No more guessing. No more chasing deals that drain your time and energy.   Follow Alex Pardo here: Alex Pardo Website: https://alexpardo.com/  Aex Pardo Facebook: https://www.facebook.com/alexpardo15  Alex Pardo Instagram: https://www.instagram.com/alexpardo25  Alex Pardo YouTube: https://www.youtube.com/@AlexPardo  Storage Wins Website: https://storagewins.com/ 

The Athletic's Mike Sando joins Greg Silver to analyze his 2025 quarterback tier column, Brock Purdy's placement, and how much he has to prove in 2025See omnystudio.com/listener for privacy information.

The Athletic's Mike Sando joins Greg Silver to analyze his 2025 quarterback tier column, Brock Purdy's placement, and how much he has to prove in 2025See omnystudio.com/listener for privacy information.

In this episode of The Coaching 101 Podcast, coaches discuss the importance of giving players a break, the benefits of organizational tools, and effective methods for analyzing film. The conversation covers teaching players to break down both their own film and opponents' film, while emphasizing the need for systematic approaches. Also discussed are sponsor messages highlighting tools for enhancing coaching, like Team Builder Practice and Winning Edge Performance Analytics. The episode closes with practical coaching advice for key game situations.00:00 Introduction and Summer Recap02:46 Quote of the Week: Efficiency06:10 The Importance of Organization09:06 Teaching Kids to Watch Film18:50 Breaking Down Film Sessions22:00 Offensive vs. Defensive Film Analysis23:24 Importance of Small Group Film Sessions27:19 Teaching Players to Break Down Film34:42 Understanding Opponent Tendencies38:42 Situation of the Week: Third and Three42:14 Closing Remarks and Sponsor AdsDaniel Chamberlain: @CoachChamboOK ChamberlainFootballConsulting@gmail.com chamberlainfootballconsulting.com Kenny Simpson: @FBCoachSimpson fbcoachsimpson@gmail.com FBCoachSimpson.com

A deep dive into the Texas Longhorns' title chances and a breakdown of the top contenders across the country.In this episode:* Debate whether the Texas Longhorns are legitimate national championship contenders or just a product of preseason hype surrounding quarterback Arch Manning.* Identify the Longhorns' biggest concern as a new offensive line breaking in four starters, which faces an immediate test against Ohio State in week one.* Analyze the Texas defense: With its NFL-caliber players, the unit is a major strength that is considered one of the best in the country and is expected to carry the team early in the season.* Explain why there is deep skepticism about Ohio State's coaching changes after losing top coordinators.* Detail Penn State as a potential "sleeper" team that could win the national title.* Predictions are made!—Timestamps:0:00 - Is Texas the De Facto National Champion?0:50 - Are the Longhorns Legitimate Contenders?1:36 - Biggest Concern: The New Offensive Line2:39 - The Importance of O-Line Camaraderie3:38 - How Texas's Schedule Could Help Them Develop5:25 - The Case for Preseason Scrimmages in College Football9:10 - Arch Manning's X-Factor: The Running Threat10:00 - Question Mark #2: The Receiving Corps11:06 - Offensive Scheme Comparison: Lions & Dolphins14:04 - Pivoting to the 'Loaded' Texas Defense14:22 - Defensive Breakdown: The Secondary16:09 - Defensive Breakdown: D-Line & Scheme17:43 - Spotlight on Anthony Hill Jr., a Top LB18:03 - Final Verdict on Texas's Chances19:25 - Deep Dive: What's Wrong with Ohio State?21:37 - Critiquing the Hartline & Patricia Hires24:30 - The Sleeper Team: Why Penn State Could Win it All27:21 - Is it a Bounce-Back Year for Georgia?29:40 - Analyzing Notre Dame & Marcus Freeman33:08 - Buy or Sell: Clemson34:10 - Buy or Sell: Oregon36:15 - Buy or Sell: Alabama Post-Saban37:42 - Buy or Sell: LSU39:34 - Final Predictions: Who Wins the National Championship?41:39 - Outro—» Join Felix and me each Wednesday as we dive deep into the game we love!MatchQuarters is a reader-supported publication. So, make sure to subscribe.—© 2025 MatchQuarters | Cody Alexander | All rights reserved. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.matchquarters.com/subscribe

The Israeli cabinet is in a marathon session debating whether or not to completely reoccupy the Gaza Strip militarily. For two perspectives, Geoff Bennett spoke with David Makovsky of the Washington Institute for Near East Policy's Project on Arab-Israeli Relations and Yousef Munayyer of the Palestine-Israel Program and Senior Fellow at the Arab Center. PBS News is supported by - https://www.pbs.org/newshour/about/funders

The Israeli cabinet is in a marathon session debating whether or not to completely reoccupy the Gaza Strip militarily. For two perspectives, Geoff Bennett spoke with David Makovsky of the Washington Institute for Near East Policy's Project on Arab-Israeli Relations and Yousef Munayyer of the Palestine-Israel Program and Senior Fellow at the Arab Center. PBS News is supported by - https://www.pbs.org/newshour/about/funders

Discover your relationship's hidden superpowers through summer blockbuster wisdom! Christa (7) and Melody (9) explore how storylines and superhero teams demonstrate the best and worst of personality . Analyze the way the SP, SX, and SO instincts in Jurassic World Rebirth go right and wrong, Fantastic Four's perfect type diversity, and dive deep into Cobra Kai's complex dynamics (shadows and shine) where Johnny's Type 8 journey from domination to protection pairs with Daniel's Type 1 evolution from rigid perfectionism to flexible excellence. Best of all, notice the ultimate glow happens when former enemies combine their different approaches. This fun summer episode proves that your differences aren't obstacles - they're your secret weapons for creating legendary love together! YouTube: https://youtu.be/UkgRctJODLs Head on over to https://www.enneagramandmarriage.com/ to check out all of our amazing freebies and resources! Instagram: @enneagramandmarriage | Facebook @ enneagramandmarriage Have a specific question? ⁠Fill out this form to get your personal questions answered now! ⁠ Leave us a comment or question by sending an MP4 recording to enneagramandmarriage@gmail.com. (You can use your voice memos app on your iPhone to record). Love what you're learning on E + M? Make sure you leave us a podcast review so others can find us, too here! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Contemporary Management of MIBC and Beyond: Expert Guidance for Urologists (Republished) CME Available: auau.auanet.org/node/42040 After participating in this CME activity, participants will be able to: 1. Describe the multimodal treatment approach for MIBC, including surgery, radiation therapy, and chemotherapy. 2. Analyze the role of neoadjuvant and adjuvant therapies, including chemotherapy, immunotherapy, and antibody drug conjugates, in improving patient outcomes. 3. Utilize knowledge of checkpoint inhibitors and antibody drug conjugates with their mechanisms of action to interpret the role of immunotherapy in the treatment of metastatic urothelial carcinoma. 4. Examine ongoing clinical trials and emerging treatments that are shaping the future of metastatic urothelial carcinoma management. 5. Employ appropriate patient and family education strategies regarding MIBC and metastatic urothelial carcinoma, treatment options, and expected outcomes. Acknowledgements Support provided by an independent educational grant from: Astellas and Pfizer, Inc.

The brand-new “Trump account” is a tax-deferred savings option for American children created by the One Big Beautiful Bill Act. I break down who's eligible for up to $1,000 in free government contributions, how these accounts work, and how they stack up against other popular savings vehicles like 529 plans, IRAs, custodial accounts, and regular brokerage accounts. If you're a parent or grandparent thinking about the best way to jumpstart your child's financial future, you'll want to tune in for my honest comparison of the Trump account's pros, cons, and quirks, plus tips on making the most of these new opportunities. You will want to hear this episode if you are interested in... [00:00] Trump accounts for children, including eligibility and benefits, compared to other savings options. [04:52] Invest in low-cost US index funds for a child's account. [08:41] 529 accounts offer conservative investment options and potential benefits for education savings. [11:59] Consider a regular brokerage account instead of a Trump account, especially if it's not for college. What Parents Need to Know About the New Trump Account Saving for your child's future can be complicated, and with the introduction of the new “Trump account” via the One Big Beautiful Bill Act, parents have another option to consider. In a recent episode of the Retire with Ryan podcast, host Ryan Morrissey breaks down the ins and outs of this novel account.  What is the Trump Account? The Trump account, established by the One Big Beautiful Bill Act, is a new type of tax-deferred investment account specifically designed for American children. It bears similarities to familiar accounts like IRAs and 529s in that all investments inside the Trump account grow tax-deferred, letting parents and children potentially maximize compounding returns.  Eligible children, those born between January 1st, 2025, and December 31st, 2028, are entitled to a $1,000 government contribution just for opening the account, regardless of parental income. That's free money that, when invested early, could grow substantially over time. How Does the Trump Account Work? Parents (or guardians) can contribute up to $5,000 per child per year (indexed for inflation starting 2027) until the child turns 18, and employers can contribute up to $2,500 annually, also not counted as taxable income for the child. The account must be opened at investment firms, which are required to limit investment options to low-cost index funds (with expense ratios under 0.10%), such as S&P 500, total stock market, or similar broad-market funds. Once the child turns 18, they gain full access to all the assets in the account. Investments in the account benefit from tax-deferred growth, and withdrawals are taxed at favorable capital gains rates (15% or 20%) rather than ordinary income rates. How Do Trump Accounts Compare to Other Savings Options? Traditional & Roth IRAs: IRAs, including Roth IRAs, require earned income to contribute, posing a barrier for most children. While Roth IRAs trump Trump accounts for long-term tax benefits (withdrawals are tax-free), children generally can't access this unless they have income from work. Also, traditional IRAs add tax deductions but are taxed as ordinary income on withdrawal, compared to the Trump account's capital gains treatment. 529 College Savings Plans: 529s are tailored for college expenses, offering tax-free withdrawals for qualified education costs and sometimes state tax deductions. Plus, investment options can become more conservative as your child nears college age, something currently unavailable in Trump accounts, which are stock-only (at least for now). If used for non-educational purposes, 529s face ordinary income tax and penalties, whereas Trump accounts are taxed at capital gains rates for any withdrawal purpose. Brokerage & Custodial Accounts (UGMA/UTMA): A plain taxable brokerage in the parents' name offers flexibility, letting parents control access and investment options, paying minimal taxes on dividends each year. Custodial accounts shift tax liability to the child but must legally transfer to the child between ages 18 and 25, depending on state laws. Notably, assets in a child's name weigh more heavily against them on financial aid forms than if held by the parent. Who Should Consider Opening a Trump Account? If your child will be born between 2025 and 2028, opening a Trump account is almost a no-brainer to snag the free $1,000. But for ongoing contributions, think about your goals: Saving for college? Stick to a 529 plan for tax-free education withdrawals and more investment flexibility. Want to help your child start life with a nest egg for any purpose? Trump accounts work, but remember your child gets full control at 18. Prefer more flexibility or control over when and how your child accesses the funds? Explore regular or custodial brokerage accounts. The Trump account is an interesting addition to the range of savings vehicles for children, especially thanks to the initial government contribution and low-cost investment options. Still, its quirks, like the child's access at 18 and limited investment choices, mean it won't be a perfect fit for every family. Analyze your family's needs, long-term goals, and how much control you wish to maintain before making your move. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Stay Informed and Empowered in Today's Shifting Economy. Get ready to navigate today's retirement landscape with clarity and confidence. In this episode of the Money Matters Podcast, Wes Moss and Connor Miller unpack timely economic developments and explore how they may shape your financial decision-making. • Understand the latest Federal Reserve decisions, including two rare dissenting votes. • Break down recent GDP data to examine what may be contributing to—or obscuring—economic growth. • Track shifts in consumer sentiment and housing trends to see how affordability and inventory constraints could be affecting real estate dynamics. • Analyze the current interest rate and inflation environment, and consider potential implications for borrowing and investing. • Spot patterns in manufacturing, employment, and corporate earnings that may influence broader market behavior. • Examine the growing role of artificial intelligence—from market momentum to its potential reshaping of the job market and career resilience. • Explore how multi-asset income strategies are being used to support income needs and respond to market concentration and inflation risk. • Apply the CHIME framework—Consumer sentiment, Housing, Interest rates, Manufacturing, and Employment—to help interpret today's economic signals with a structured lens. Stay engaged with insights that aim to inform, not predict. Listen and subscribe to the Money Matters Podcast to stay educated, aware, and confident in your long-term financial planning.

00:00 – Check Your Data FirstIf your content isn't working, don't start guessing—start with the numbers. Data reflects human behavior.00:34 – Where to Check Your InsightsReview analytics on platforms like Spotify, iTunes, YouTube, and your hosting platform. But the key isn't just looking—it's interpreting.01:12 – Don't Decide in IsolationA single video or post underperforming doesn't always mean failure. Variables like title, thumbnail, hook, and intro all play a role.03:15 – The Power of a HookThe first 60–90 seconds are critical. Your intro should represent your episode's promise and capture attention quickly.04:17 – Study What WorksLook at patterns from creators in your niche. Don't copy—observe how they structure and tell stories.05:27 – Titles, Thumbnails, and Brand AuthorityHook, title, and even your name affect discoverability. Strong brand authority increases visibility and trust.06:39 – Long-Form vs. Short-Form TestingSocial media allows rapid testing; long-form (like podcasts) takes more time to gather data. Plan accordingly.08:44 – Analyze on a 90-Day WindowTrends shift. 90 days gives enough time to collect meaningful data and adjust quarterly strategies.10:00 – When You Don't Know What to Do NextGo back to your data. It's your best reference point. If interpretation is hard, get support.11:04 – A/B Testing with TubeBuddyTry different titles/thumbnails. But again, it should align with your core message and your audience's behavior.12:18 – Strategy Over SpaghettiPosting consistently is not enough. Know who you're talking to and test intentionally to refine your strategy.13:18 – Don't Get Burned Out by ExpectationsNot all content will perform. Publish, gather data, and iterate. That's how you find your sweet spot.14:32 – Competitor vs. Inspiration AnalysisUse similar creators to map out what's working—but come from a place of inspiration, not comparison.15:31 – You Might Already Have Warm LeadsStop only chasing new followers. You may already have people primed to buy—you just need the right nudge.18:10 – Different Strategies for Different LeadsNew leads vs. warm leads require different types of content. Know where your audience stands.19:20 – Platform Insights Are GoldUse Instagram and YouTube data to learn your audience's age, activity times, and location.21:01 – You Don't Need Virality to WinGoing viral feels good, but it's not the only strategy. Quiet, sustainable growth > (is greater than) chasing numbers.23:14 – Quality Over QuantityFocus on meaningful conversions over vanity metrics. Build from solid foundations, not just high views.23:35 – Need Help? Reach OutEmail kai@whatkai.com with the subject line “Podcast Analytics” to get support on interpreting your data.23:55 – Let the Content Work for YouYou don't have to hustle endlessly. When your strategy is clear, your content can start doing the heavy lifting.

8.1.25 Hour 3, Ben Standig from The Last Man Standig joins the Kevin Sheehan Show to discuss the Terry McLaurin trade request, whether a trade would actually happen and gives his analysis on what he saw from this week's training camp practices that stood out. Denton and Producer Max react to Terry McLaurin coming in at 52 on the NFL Top 100 list. Former Washington Redskins Tight End Logan Paulsen joins the Kevin Sheehan Show to discuss Terry McLaurin's trade request and give his evaluations on how the young talent has been performing on the Commanders in training camp.

SEASON 3 EPISODE 150: COUNTDOWN WITH KEITH OLBERMANN A-Block (1:45): One shouted question to which Trump didn't even bother to reply reignites the entire Trumpstein scandal and cover-up: "What did you think Epstein was stealing those women FOR?" It encapsulates the entirety of Trump's complicity: in the cover-up of Epstein's crimes, in his willingness to cut a deal with Ghislaine Maxwell, with his indifference to the suffering of the victims, to his belief the real victim here is him because Epstein "stole" Virginia Giuffre and other employees from him. It encapsulates Trump's worthless, despicable life. The moral vacancy, the lack of humanity, summarized in one reporter's question. And it re-emphasizes that Trump now confesses he broke with Epstein not over the child rape but because Epstein hired rape victims away from him, was STEALING Virginia Giuffre away from him, Trump paints a picture OF Mar-a-Lago where the tragic Ms. Giuffre who just killed herself worked for Trump as not Epstein Island but the Recruiting Station and Waiting Room FOR Epstein Island, Trump calls going to the Island a quote “privilege” and keeps re-igniting Trumpsteen and finding new things to admit to, and after ten years of watching the fascists beat democracy to within an inch of its life using democracy’s own loopholes, Senate Democrats finally found a loophole which may FORCE the Justice Department to release the Trumpsteen files including whatever deal with the devil his man Todd made with the pedophile pimp Gulaine Maxwell last week, or at minimum take Trump and his inflatable rubber Attorney General and tie them up in court forever and thus keep the Trumpsteen Scandal ALIVE forever. EVEN DEMOCRATS ARE DOING SOMETHING: Invoking federal law that says any executive branch agency SHALL supply any information to any group of five members of the Senate Government Oversight Committee. SHALL. Repeated daily, Trumpstein will end Trump's presidency. B-Block (43:00) THE WORST PERSONS IN THE WORLD: MSNBC says it's getting great new offices (in fact, it's getting kicked out of 30 Rock by a parent that has disowned it). Analyze the polls any way you want to: Andrew Cuomo is losing to Zohran Mamdani in NYC by 20 to 30 points. The move to disbar the FCC fascist Brendan Carr. And at our expense Kristi Noem brings Corey Lewandowski with her to Argentina with her so she can spend all her time riding. C-Block (54:50) THINGS I PROMISED NOT TO TELL: I surprised a new friend recently by mentioning the late Yankees' owner George Steinbrenner was my friend. In fact we were friends for more than 25 years and my exchanges with him were unexpectedly and always delightful. The blessing of only knowing George, never working for him. See omnystudio.com/listener for privacy information.

AI for lawyers isn't about replacing attorneys—it's about helping law firms work smarter. In this episode, trial lawyer Jack Zinda explains how lawyers can use AI tools like OpenAI and ChatGPT to streamline their practice, save hours of work, and improve client service.You'll learn how to: Use AI for intake call reviews & case spotting Analyze deposition transcripts before trial Run deep AI research on experts, companies, & venues Review medical records faster & more accurately Draft better client letters & marketing contentPlus Jack shares what AI should NEVER do for lawyers (and how to protect your bar card).

A discussion about security as U.S. health care gets cut to fund the most gargantuan border enforcement bill ever passed. How do we create a counterforce to this?Why is it that when the word “security” is uttered, all thought and analysis go out the window? This is especially the case when people talk about “border security.” In this podcast, however, Border Chronicle founders Melissa del Bosque and Todd Miller put on their thinking caps, analyzing the first seven months of the Trump administration. They crack open the word “security” and examine its interior, hoping to better understand it and find a way out of our predicament.The discussion was spurred by the passage of the Republicans' One Big Beautiful Bill Act, which designates $170 billion for border and immigration enforcement over the next four years (also see how Melissa put this bill into a deeper historic context last week). This enforcement will be funded, in part, by significant cuts to U.S. health care, including the possible cancellation of insurance coverage for 12 million people.Does security mean more walls, more technology, more armed agents, and a border that resembles a military base? Or, as Melissa and Todd discuss in the podcast, could peacemaking play an important role in creating real security for everyone? Peacemaking is not just about ending conflict; it also means creating a world where people can be healthy and flourish.

Many investors combine multiple strategies in their portfolios. One of the most common combos? ETFs and individual stocks. But here's the real question: how do you analyze your portfolio when you mix both? Does it make your life easier… or way more complicated? We explore what each strategy brings to the table, how to properly review and balance your holdings, and how to avoid turning your portfolio into a confusing mess. Whether you're 100% ETF, 100% stocks, or somewhere in between—this one will help you bring clarity and purpose to your investing strategy. Download the Dividend Income for Life Guide. Make sure to check out the complete show notes. X: @TheDividendGuy FB: http://bit.ly/2Z7Q5gF YouTube: http://bit.ly/2Zs6r1r DividendStocksRock.com

Everything's moving so fast lately, it's easy to feel like you're falling behind before you even understand what's changing. AI pops up everywhere—from headlines to job descriptions—and it's not just hype anymore; it's real, and it's reshaping how things get done. That sense of being overwhelmed isn't just about the tools—it's the fear of being replaced, of not knowing where you fit anymore. But buried in that fear is usually a quiet curiosity, wondering if there's still a place to adapt instead of just survive. https://www.youtube.com/watch?v=-dRTovoG2ao Greg Jameson is a longtime tech entrepreneur and early adopter of AI, with roots in computing going back to the 1980s. He's authored several books and built tools for e-commerce, real estate, and coaching. Today, he talks about using AI to scale personal expertise through his “Analyze to Win” program. The program helps professionals create virtual coaching versions of themselves using advanced AI. His focus is on using tech to amplify impact, not replace the human touch. Stay tuned! Resources: Greg Jameson | Your AI Architect for Business Success Follow Greg Jameson on Facebook Connect with Greg Jameson on LinkedIn

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Learn how Criterion evaluates commercial real estate deals in under 15 minutes, sets new acquisition records, and shares insider strategies to spot profitable investments fast. Time Stamps: 0:00 - Introduction and Market Update 0:50 - $20M in Texas Acquisitions 1:54 - Distributions and Performance Check 3:00 - Diversification Strategy in CRE 5:00 - Evaluating a Deal in 15 Minutes 6:00 - Know Your Strike Zone 7:27 - Red Flags That Kill Deals Fast 10:44 - Finding the Spread: Rent vs Market 12:16 - Beating the Cost of Capital 14:40 - Instinct Through Repetition 18:47 - Renovating Out-of-State Properties 20:37 - Why Out-of-Market Wins 21:41 - Final Thoughts and Getting Started Visit thecriterionfund.com to stay up to date on our latest investments and so much more! CommercialRealEstate #RealEstateInvesting #CRETips #PassiveIncome #RealEstateDeals #MultifamilyInvesting #RetailRealEstate #CriterionFund #CREstrategy #InvestmentTips

Data and Analytics were the topic of discussion on Episode 163 of the Check Your Six podcast. Army veteran Jake Dyal with Certus Core based in Tampa, dialed in to talk about what it is that they do and how they are handling the challenges in collecting and analyzing data for clients, especially in the military and national security arena. Jake's time in the Army provided him with the education and experience that led him to pursuing his career in the private sector in collecting and analyzing data for a myriad of sources and then providing mission specific content to their clients. We talked about the changing face of war, new and emerging technologies including the use of AI, how growing and adding investors can sometimes change the perspective of a business when investors are involved. We talked about the challenges they have in this industry with hiring and the expectation of the new hires coming in and Certus Core's expectations of those new staff members. Edge computing, sensor data and the tools that are involved which continue to develop and expand at an ever increasing rate, data in defense and the potential challenges that involve ethical collection and use of that date were just a couple of other things we discusses on the episode. You can find out more about what they do at their website, https://www.certuscore.com/Email us at tim@grpstudios.com

Target price matching policy, retail pricing strategy, target vs walmart, competitive pricing retail, target brand perception, retail customer loyalty, pricing policy changes, target strategic decisions, retail price wars, customer value proposition. This week on the Omni Talk Retail Fast Five podcast, sponsored by the A&M Consumer and Retail Group, Simbe, Mirakl, Ocampo Capital, Infios, and Clear Demand, Chris and Anne debate Target's controversial decision to eliminate price matching. Analyze whether this move strengthens Target's position or drives customers to competitors like Walmart and Costco. Get expert insights on the real reasons behind this policy change and its impact on Target's already challenged brand perception.

President Trump marked his sixth month in office this week, touting his policy agenda and transformation of the federal government. But he also faces a public skeptical of his biggest accomplishments and a growing focus on his relationship with Jeffrey Epstein. Amna Nawaz discussed more with Democratic strategist Faiz Shakir and Republican strategist Kevin Madden. PBS News is supported by - https://www.pbs.org/newshour/about/funders

Democrats often exhibit self-serving bias, attributing political setbacks to external factors rather than internal flaws. Critics argue they resist self-analysis, deflecting blame onto misinformation or opposition tactics. This reluctance to reflect may hinder strategic growth, reinforcing echo chambers and limiting accountability within the party’s leadership and broader political messaging. Please Like, Comment and Follow 'Broeske & Musson' on all platforms: --- The ‘Broeske & Musson Podcast’ is available on the KMJNOW app, Apple Podcasts, Spotify or wherever else you listen to podcasts. --- ‘Broeske & Musson' Weekdays 9-11 AM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Facebook | Podcast| X | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Buying another agency sounds like a shortcut to scale — but if you skip the wrong step or miss the wrong promise, you might inherit more problems than profit. But how do you actually approach due diligence to ensure a seamless, profitable acquisition? Today's featured guest learned these lessons the hard way. What started as a promising deal quickly revealed cracks, forcing him and his partner to navigate unexpected challenges to pull the agency through. In the process, he discovered the key questions you must ask before buying another agency and the hidden details that can make or break your investment. If you're an agency owner thinking about using acquisitions as a growth strategy, today's conversation will equip you with real-world insights to avoid costly mistakes and set your agency up for a smoother, successful expansion. Matt Marchetta is an agency owner with two decades of experience who recounts his journey in the industry, from starting his first web design business in high school to pivoting into e-commerce and ultimately becoming a digital nomad. He teamed up with a partner to acquire Growth Labs, a lead generation shop focused on outbound. He goes over some of the challenges and crucial lessons learned during the acquisition process, particularly concerning due diligence, unforeseen client guarantees, and the original owner's significant personal brand influence on the agency's client base. In this episode, we'll discuss: Why buy another agency in the first place? Due diligence traps that cost real money. The ROI guarantee that almost blew up the deal. 4 questions you must ask before your next acquisition Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. From Solo Hustle to Ecom Growth Machine Matt started his agency journey as a kid who just wanted to work for himself and quickly learned the hard way—like many do—that running a business isn't just about being good at the work, it's about learning the business of business. It's a time he remembers fondly as a great foundation for his business education. He pivoted early from generalist design and dev work into e-commerce, riding that wave as it grew. Over time, he layered in Facebook ads, video production, and photography to support product marketing for his clients. And while many were stuck in offices, Matt was ahead of the curve, running remote from day one, carving out a lifestyle business that let him travel, stay flexible, and keep agency life fun. In fact, he never thought seriously about the possibility of selling his agency, since it's something he really enjoys doing and didn't think he'd ever get an offer that would compare to what he thinks it's worth. Why Buy an Agency? So why would a guy who loves the freedom of his own agency buy another one? Simple: leverage and evolution. Matt and his current business partner decided it was time to level up their respective agencies. They were both tired of being generalists and saw an opportunity to specialize, automate, and potentially transition out of day-to-day client grind by acquiring a business with the right foundation. They didn't go hunting for a big fish they couldn't afford. Instead, they targeted a sub-seven-figure agency they could buy at a fair multiple, with the goal of systemizing and growing it. Enter Growth Labs, an outbound lead gen agency specializing in cold email marketing. What They Looked For Before the Purchase Matt and his partner moved fast but smart: Profit and Loss: They dug into five years of P&Ls, noticing the typical COVID spike, post-spike drop, and finally profitability as the owner prepared to sell. Adbacks Reality Check: The books had plenty of “personal expenses” that, once removed, showed a clearer, stronger profit picture. Pipeline and Clients: They signed an NDA to peek at client lists, learning that the agency's lead gen often came from the owner's personal brand and reputation—great for credibility, but also something they'd need to replace with systems. Recurring vs. One-Off: They checked churn, recurring revenue, and how the business handled its leads and delivery so they wouldn't be buying a leaky bucket. Fast Close, Strategic Future In true operator fashion, Matt and his partner put in an offer quickly (about three weeks after initial discussions) and agreed on a 1.3x EBITDA multiple. They wanted the former owner to stick around for a transition period, ensuring continuity while they layered in their own systems and strategic direction. Everything looked clean. The seller had a strong personal brand. The books checked out (after adbacks). The plan was clear: earnout over three years, phased transition, and keep the seller involved for 12 months to ensure smooth client handoff and he agreed to do it. Then the cracks appeared. The ROI Guarantee Bomb While poking around Slack before the official handover, Matt found discussions about an ROI guarantee with a disgruntled client. The seller brushed it off as a “Horoszi-level mistake from years back.” No big deal, right? Wrong. Turns out, most new client contracts still included these ROI guarantees—often unwritten, often unenforceable, and often unrealistic. Combine that with underperforming cold email campaigns, and you have a recipe for churn, complaints, and a legal minefield. What was supposed to be a 2-month campaign turned into 12-month obligations with clients expecting a magical ROI that the agency couldn't verify, let alone control. 4 Lessons Matt Learned (So You Don't Have to) In hindsight, Matt admits they moved too fast. A few weeks wasn't enough because due diligence should take longer than you think. His advice for agency owners is not to feel pressured—take the time to ask uncomfortable questions and look for patterns and keep these 4 aspects in mind: Don't just check contracts. Check promises. Matt discovered clients were sticking around for the wrong reasons—and the wrong terms—due to handshake promises that should've been flagged during due diligence. Thoroughly analyze client data and churn patterns. Analyze the available metrics to determine whether or not clients are actually reaching goals. In his case, Matt found that using AI would've helped him uncover that consistent MRR masked a perfect churn pattern: lose three clients, gain three clients, every month. AI could've shown these patterns in minutes. Expect that when the seller leaves, 80-90% of their lead gen leaves with them. If the agency's pipeline depends on the owner's personal brand, you need a plan to replace that before you wire funds. Dig deeper into why the seller is selling—and why they started. Was the agency a real business solving a real need, or just a personal brand ATM for the founder? That origin story tells you how the business was run and what baggage you're buying. The Silver Lining Was it all doom and gloom? Nope. Matt discovered that despite the outdated “spray and pray” cold email approach, the agency's foundations were solid: a capable team, strong email infrastructure, and processes that could be upgraded with AI personalization and scalable systems. Instead of throwing in the towel, Matt is now rebuilding Growth Labs into a smarter, tech-enabled lead-gen agency aligned with the future, not the past. And despite the headaches, Matt and his business partner are still hungry for more acquisitions, now with clear systems and smarter questions in hand. They're even considering rolling up a group of specialist agencies as their next move. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

In this episode, I break down the real reasons freelancers and service providers procrastinate and how to finally get back into action mode without shame, burnout, or hustle.Whether you're avoiding proposals, pushing off content creation, or just staring at your to-do list wondering where to start, this episode will help you identify what's actually holding you back, and give you a four-step plan to break the cycle today.Topics Covered In This Episode:Use What's Already Working: Start with your client's organic posts—they're mini case studies hiding in plain sight.Don't Stay in Your Niche: Creative breakthroughs often come from unrelated industries. Go look.Stop From-Scratch Syndrome: Your job isn't to be original. It's to be strategic.Build a Swipe System: Your future self will thank you for that Instagram Saved folder.Analyze, Don't Copy: Find what works and adapt the structure, not the words.Find the full show notes at:  https://brandimowles.com/260Loved This Episode? Grab the Free Guide:

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3664: Elana Miller offers a thoughtful guide to understanding dreams, emphasizing how they can illuminate hidden emotions and internal conflicts. Through simple, practical steps, she empowers readers to explore their subconscious, fostering self-awareness and personal growth. Read along with the original article(s) here: https://zenpsychiatry.com/how-to-analyze-your-dreams/ Quotes to ponder: "Dreams give us access to information and insight we might not otherwise see in our waking lives." "Your dreams speak the language of symbols, not logic." "Ask yourself: What emotions did I feel in the dream, and when do I feel those emotions in my waking life?" Learn more about your ad choices. Visit megaphone.fm/adchoices

Analyze the characteristics of God and why they are so important.