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While some things ARE better left UNSAID, this week we kinda say them all. January is a month for "preparation" if you will…and “nesting” if you're Danielle. And as we girl-grip our way into a new month, a few SURPRISES hit us! Let's just say, home ownership? Not for the weak. Renee Zellweger? Resembles someone out there…BUT it's not Danielle. It's a year of yes, it's in our name, we ARE in fact on the GO in Q1. Celebrating brides, hobby maxing (to the LITERAL max), escaping to somewhere warm, creating new bits (wAs It SoMtHiNg I sAiD??) and thanking Wellbutrin for this new found love of winter!! Look, the company is crushing Q1! Go to https://Nutrafol.com promo code GALS for $10 off your first month's subscription and free shipping.Visit https://BetterHelp.com/GOTG today to get 10% off your first month.GOTG LTK https://www.shopltk.com/explore/Gals_on_the_Go GOTG Newsletter https://gotg.substack.com/ Gals On The Go Instagram https://www.instagram.com/galsonthegopodcast/ Brooke's Youtube Channel https://www.youtube.com/brookemiccio Brooke's Instagram https://www.instagram.com/brookemiccio/ Danielle's Youtube Channel https://www.youtube.com/c/daniellecarolan Danielle's Instagram https://www.instagram.com/daniellecarolan/ Business inquiries can be sent to: GalsOnTheGoGroup@caa.comDanielle's LTK: https://www.shopltk.com/explore/daniellecarolan/productsets/11ee5d6284a6acf19fd50242ac110003 Brooke's LTK: https://www.shopltk.com/explore/brookemiccio/productsets/11ee5d662bea0b67931d0242ac110004 GOTG YouTube Channel (watch full episodes with video!) https://www.youtube.com/channel/UCkCy3xcN257Hb_VWWU5C5vASee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
The Smart Passive Income Online Business and Blogging Podcast
#913 We're more connected than ever, yet something like getting coffee with a friend feels nostalgic. Playing videogames in the same room with another person feels nostalgic. This is a weird thing to say in an age where we have instant access to everything and everyone. So how do we leverage our modern tools to combat disconnection and bring people together both online and in person? In this episode, I share the story behind my Podfest keynote and the lessons learned from not having things go according to plan. I stepped outside my comfort zone, only to come out with an even deeper appreciation for community and in-person events on the other end. I'm also diving into some of the results I'm seeing from people currently participating in our 30-day video challenge. There are definitely interesting patterns emerging and some important dos and don'ts that separate people reaching milestones from those who are struggling. Tune in! Show notes and more at SmartPassiveIncome.com/session913.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Ingrid Jacobs. A veteran enterprise leader, former HR executive, and Chief Growth Officer for The Revenue Retreat, a luxury boutique retreat for executive women who want to build profitable businesses without burnout. She and Rushion discuss her corporate background, her unique approach to customer integration, the challenges women face in entrepreneurship, pricing psychology, common business mistakes, age-related limiting beliefs, and the transformational design of her retreat program.
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Ingrid Jacobs. A veteran enterprise leader, former HR executive, and Chief Growth Officer for The Revenue Retreat, a luxury boutique retreat for executive women who want to build profitable businesses without burnout. She and Rushion discuss her corporate background, her unique approach to customer integration, the challenges women face in entrepreneurship, pricing psychology, common business mistakes, age-related limiting beliefs, and the transformational design of her retreat program.
Links & resources:To follow more info about the podcast@levelup.debbienealCheck out my personal instagram account@debbie_neal
SANS Internet Stormcenter Daily Network/Cyber Security and Information Security Stormcast
Detecting and Monitoring OpenClaw (clawdbot, moltbot) https://isc.sans.edu/diary.html/Detecting+and+Monitoring+OpenClaw+%28clawdbot%2C+moltbot%29/32678/#comment Synology telnetd Patch https://www.synology.com/en-us/releaseNote/DSM GlassWorm Loader Hits Open VSX via Developer Account Compromise https://socket.dev/blog/glassworm-loader-hits-open-vsx-via-suspected-developer-account-compromise
Prediction markets allow you to put money on everything from the US attacking Iran to Jesus returning. Saahil Desai explains their dizzying rise. Help support our independent journalism at theguardian.com/infocus
What does it really mean to give without keeping score? Brad Feld has built a career by answering that question differently than almost anyone in venture capital.In this episode of Remarkable People, Guy Kawasaki sits down with Brad to unpack the philosophy behind his new book Give First, a mindset that has shaped startup communities, mentorship culture, and long-term trust across the tech world. Brad explains why generosity isn't naïve, why mentorship works best when it becomes a peer relationship, and how founders can build enduring success without transactional thinking.This conversation challenges many of Silicon Valley's most sacred assumptions—and replaces them with something more human.---Guy Kawasaki is on a mission to make you remarkable. His Remarkable People podcast features interviews with remarkable people such as Jane Goodall, Marc Benioff, Woz, Kristi Yamaguchi, and Bob Cialdini. Every episode will make you more remarkable.With his decades of experience in Silicon Valley as a Venture Capitalist and advisor to the top entrepreneurs in the world, Guy's questions come from a place of curiosity and passion for technology, start-ups, entrepreneurship, and marketing. If you love society and culture, documentaries, and business podcasts, take a second to follow Remarkable People.Listeners of the Remarkable People podcast will learn from some of the most successful people in the world with practical tips and inspiring stories that will help you be more remarkable.Episodes of Remarkable People organized by topic: https://bit.ly/rptopologyListen to Remarkable People here: **https://podcasts.apple.com/us/podcast/guy-kawasakis-remarkable-people/id1483081827**Like this show? Please leave us a review -- even one sentence helps! Consider including your Twitter handle so we can thank you personally!Thank you for your support; it helps the show!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
We're living through one of the biggest shifts in the internet since it began: a move from building content for people to building content for machines, on behalf of people. On this week's episode, Jim Stengel is joined by James Cadwallader, Co-Founder and CEO of Profound, and Daniel Shin Un Kang, Head of Organic and Agentic Search at Expedia, for a thoughtful, practical conversation about AI search, answer engines, and what this shift means for the future of marketing.James founded Profound in 2024, raising $60 million and earning recognition from Redpoint Ventures as one of the most promising private AI companies shaping applied artificial intelligence. Today, Profound works with brands like US Bank, Chime, Expedia, and DocuSign to help them navigate the transition from traditional search to a world of answer engines, agents, and AI-led experiences.After building companies and investing in high-growth technology businesses, Daniel moved from the venture world into operating at global scale. He now leads Organic and Agentic Search at Expedia, where he's helping redefine how one of the world's largest travel platforms shows up in AI-powered search and discovery.Together, James and Daniel unpack how brands actually appear inside AI systems like ChatGPT and Gemini, why traditional SEO metrics no longer tell the whole story, and how CMOs should rethink visibility, content, and measurement in an AI-driven world.This episode offers a rare look at AI search from both sides of the table: the platform builder shaping the category and the operator putting it to work inside a performance-driven global brand. If you're a CMO wondering what to focus on now, this conversation is a strong place to start.—This week's episode is brought to you by Deloitte and the IAB.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Do Business. Do Life. — The Financial Advisor Podcast — DBDL
Every advisor wants more referrals, but very few have built a business that consistently earns them.In this conversation, I sat down with Duncan MacPherson to unpack what actually makes an advisory firm referable. Duncan is the founder of Pareto Systems and one of the most respected coaches in financial services, with nearly 30 years spent working alongside top advisory firms. He explains why the advisors who scale fastest stop pitching products, start positioning a clear planning process, and build businesses that get found instead of chased.3 of the biggest insights from Duncan MacPherson…#1.) Advisors Don't Need More Referrals, They Need to Be ReferableMost advisors focus on asking for referrals, but Duncan explains why that actually creates friction. The real breakthrough happens when clients clearly understand (and can easily explain) what makes your process different. #2.) The Best Advisors Don't Sell Products, They Position Their ProcessThe biggest shift in financial services isn't technology, it's philosophy. The most successful advisors have moved on from pitching products by effectively using branding and clearly articulating a proprietary process, creating deeper engagement, stronger loyalty, and a business that scales without becoming more complicated.#3.) A Business That Depends on You Is a Business That Limits YouOne of the clearest signals of a healthy business is whether it can operate without the founder's constant presence. Duncan explains why documenting intellectual property, empowering teams, and depersonalizing the business isn't about ego—it's about freedom, sustainability, and enterprise value. SHOW NOTEShttps://bradleyjohnson.com/154FOLLOW BRAD JOHNSON ON SOCIALTwitterInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies. TP02255163072See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Aujourd'hui, on se retrouve pour une nouvelle leçon du mercredi, un format dans lequel j'accompagne l'un ou l'une d'entre vous sur une question très concrète de démarrage entrepreneurial.Dans cet épisode je reçois Roxane Gentile, qui se lance pour la 1ère fois dans l'entrepreneuriat avec un projet ambitieux : une application de revente de cosmétiques de seconde main, pensée spécifiquement pour les contraintes de la beauté (traçabilité, hygiène, sécurité).Roxane a déjà fait énormément de choses : une équipe engagée, une version bêta imminente, une vision claire. Mais une question centrale la travaille : comment bien commencer quand on n'a ni réseau, ni codes, ni moyens importants ? Comment trouver les bons mentors, savoir quand lever des fonds et surtout, comment entrer dans l'univers des startups sans se perdre ?Dans cette leçon, je partage avec elle une conviction forte et des conseils très pragmatiques : le réseau ne précède pas toujours la réussite, l'exécution compte plus que le jargon, et c'est souvent le contact avec les premiers clients qui ouvre les bonnes portes.Une leçon de bon sens, d'état d'esprit et d'action pour toutes celles et ceux qui démarrent de 0 et veulent avancer sans se tromper de combat.Bonne écoute ✨CHAPITRAGE 00:00 – Introduction et contexte du projet02:00 – Présentation de Roxane et de l'application de seconde main beauté05:30 – Le mythe du réseau : pourquoi il ne faut pas se tromper de priorité09:30 – Exécution, produit et clients : ce qui fait vraiment la différence14:00 – Business plan, budget et bon sens quand on démarre sans moyens19:30 – Lancer imparfaitement, apprendre vite et durer dans le temps#LeçonDuMercredi #Entrepreneuriat #Startup #CréerSonEntreprise #LancerUnProjet #BusinessPlan #PremiersClients #MindsetEntrepreneur #SecondeMain #BeautéResponsable #PaulineLaigneau #PodcastBusinessNotes et références de l'épisode Pour retrouver le replay du Grand Live : Les nouveaux codes des réseaux sociaux en 2026Sur Demian.education Pour retrouver la formation “Energie Reset : Alimentation, sport, sommeil, apparence, clarté mentale”Sur Demian.education Vous pouvez consulter notre politique de confidentialité sur https://art19.com/privacy ainsi que la notice de confidentialité de la Californie sur https://art19.com/privacy#do-not-sell-my-info.
Feb 3, 2026 – When markets soar but Main Street struggles, what signals should you trust? In this episode, Peter Boockvar, author of The Boock Report, explores the implications of Trump's choice for new Fed Chair, the recent parabolic move...
In this episode of Social Media Decoded, Michelle Thames breaks down how the pressure to perform online is weakening messages, draining creativity, and eroding authority. She explains the difference between performing for attention and leading with conviction, and why content has shifted from expression to output for so many entrepreneurs and creators. This conversation is a wake-up call for anyone who feels visible but disconnected from their voice and ready to reclaim clarity, confidence, and leadership in their messaging. Topics Covered How visibility turned into performance The difference between performing and leading online Why chasing engagement dilutes your message Content as output versus content as expression How performance erodes authority and trust Why leadership content feels calmer and more grounded How to reclaim your voice and message Building visibility rooted in conviction, not pressure Key Takeaways Performance-driven content leads to burnout and confusion Leadership content is anchored in clarity and conviction Authority comes from consistency of perspective, not volume Slowing down sharpens your message The right audience connects through resonance, not performance Who This Episode Is For Entrepreneurs feeling drained by content creation Creators who feel disconnected from their message Professionals building thought leadership Business owners tired of chasing trends Anyone ready to shift from performance to leadership If you want support building visibility rooted in clarity and leadership, explore joining the Collective for ongoing proximity, strategy, and community. Follow Social Media Decoded for daily conversations on visibility, marketing, and message clarity. About the Host Michelle Thames is a marketing strategist, podcast host, speaker, and community builder with over 15 years of experience helping entrepreneurs and professionals build sustainable visibility and authority without burnout. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
If you spend your life working hard enough to pay your bills, you are not actually successful. Most people are very good at making sure you get what you need. You can find a way every single month to come up with the money for your rent, your car, and your phone. Even when the month feels tight, you manage to make it happen.Yet is this what you really aim for? You have become accustomed to this life, but you have set your sights too low. You are playing a small game because you are only aiming for what you need to survive.In this Diamond Life Mentor Uncut episode, Balazs W Kardos shares how playing small does not remove the risks but keeps you away from your dreams and the life you want.You will hear powerful insights and motivation around:Pivoting to a better mindset, facing financial strugglesDefining real freedomRealizing how your job prevents you from becoming financially and physically freeDreaming bigger and working harderAchieving financial goals practicallyBalazs mentions that one of your biggest mistakes is waiting until you have the money to start dreaming. You will look at luxury travel websites once your bank account is "full". That is backwards. You have to dream first, then the money fills the gap.Most people have no idea what their dream life actually costs because they only see the fake version on social media. Research the actual costs, and that is what forces you to level up your work.If you want a life that is truly life-changing, you have to stop settling for enough. You need to reverse-engineer your life. Figure out where you want to live, how you want to move, and how you want to serve, just like what Balazs did when he set his mind to this business."So we have to look at this fine line between what we must do and only we can do in different areas of our lives, and then what are all the things we can take off of our plates and make this your goal." - Balazs W KardosIf you are ready to stop playing small and start building the life you actually want, listen to this episode and bridge the gap between where you are and where you deserve to be.Want a Personalized Plan for Business & Life Optimization?Book A FREE Call Connect with Balazs W Kardos:WebsiteFacebookThe Diamond Life CommunityLinkedInYouTubeInstagramThe Diamond Life Mentor Instagram
In this episode of the Healthy, Wealthy and Smart podcast, Dr. Karen Litzy interviews Dr. Aisha Akpabio D.D.S., a Detroit-based dentist and entrepreneur. They discuss the challenges and triumphs of being a female healthcare provider while running a business. Dr. Akpabio shares her journey from employee to owner of her own dental practice, the importance of design in healthcare, and the significance of representation in the field. They also address the balance between delivering high-quality care and managing business aspects, as well as the importance of self-care for longevity in the profession. Takeaways · It takes courage to bring people together in healthcare. · Transitioning from employee to entrepreneur requires a mindset shift. · Business education in dental school is minimal. · Delivering exceptional care justifies pricing. · Patients appreciate a personal touch over corporate practices. · Design can significantly impact patient experience. · Representation in healthcare matters for community trust. · Self-care is essential for longevity in the profession. · Balancing work and personal life is crucial. · Living in the moment is important for personal growth. Chapters · 00:00 Introduction to Female Healthcare Entrepreneurship · 02:58 Dr. Aisha Akpabio's Journey and Practice · 05:51 Transitioning from Dentist to Entrepreneur · 08:41 Navigating Healthcare Pricing and Value · 12:05 Competing with Corporate Dental Practices · 12:57 The Importance of Design in Healthcare · 16:49 Legacy and Representation in Dentistry · 20:02 Self-Care and Longevity in Dentistry More About Dr. Akpabio: Dr. Aisha Akpabio D.D.S. is a Detroit-based dentist, entrepreneur, and community advocate dedicated to smiles and systems of care. As the founder of Diamond Smiles Dentistry, she is redefining what it means to build a thriving dental practice rooted in wellness, accessibility, and neighborhood revitalization. A graduate of the Goldman Sachs 10,000 Small Business program, she leads with vision and heart, creating opportunities for growth in underserved communities while mentoring the next generation of healthcare professionals. Beyond dentistry, she is passionate about wellness, motherhood, and empowering others to build healthy, wealthy, and purpose-driven lives. Resources from this Episode: Diamond Smiles Dentistry Website Instagram- Diamond Smiles Dentistry Facebook - Diamond Smiles Dentistry Jane Sponsorship Information: Book a one-on-one demo here Mention the code LITZY1MO for a free month Follow Dr. Karen Litzy on Social Media: Karen's Instagram Karen's LinkedIn Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify SoundCloud Stitcher iHeart Radio
Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Ingrid Jacobs. A veteran enterprise leader, former HR executive, and Chief Growth Officer for The Revenue Retreat, a luxury boutique retreat for executive women who want to build profitable businesses without burnout. She and Rushion discuss her corporate background, her unique approach to customer integration, the challenges women face in entrepreneurship, pricing psychology, common business mistakes, age-related limiting beliefs, and the transformational design of her retreat program.
Ladies, it's time to start advocating for yourself and know your worth. In this episode, I explain the three main reasons you might be struggling with self-advocacy and share practical strategies for setting boundaries in business, dating, and friendships.Chapters:00:00:00 - Intro & Current Events Reflection00:02:39 - What Self-Advocacy Really Means00:04:54 - Breaking Free from Childhood Conditioning00:11:47 - Empath, Articulation & Inner Wounds00:14:26 - Know Your Worth & Don't Negotiate It00:17:04 - Setting Boundaries with Wrong Buyers 00:20:40 - Stop Accepting Last-Minute Invitations 00:24:47 - Use Doubt as Fuel, Not Fear00:29:07 - Why Perception Actually Matters in Business 00:32:21 - Hail Mail: Self-Awareness vs Self-ConsciousnessIf you enjoyed this episode, leave a review and make sure you SUBSCRIBE!To request Hailey to be on your Podcast, Radio Show, or TV Show, reach out to talent@pionairepodcasting.comFOLLOW ME:IG: instagram.com/haileygambaTikTok:@haileygambaYouTube: youtube.com/@haileygamba
Hosts Kevin Palmieri and Alan Lazaros expose why most people feel overwhelmed, stuck, or burned out, not because they are weak or unmotivated, but because their capacity has not caught up to their ambitions. Drawing from thousands of episodes and years of coaching high performers, they explain how discipline, identity, and long-term thinking shape how much pressure, responsibility, and opportunity you can truly handle.This episode cuts through surface-level self-help and offers a grounded framework for building mental toughness, emotional control, and sustainable success. If you want more focus, consistency, and confidence in your daily execution, this conversation will challenge how you think and operate.____________________Learn more about:Your first 30-minute “Business Breakthrough Session” call with Alan is FREE. This call is designed to help you identify bottlenecks and build a clear plan for your next level. - https://calendly.com/alanlazaros/30-minute-breakthrough-sessionTrack the Work. Earn the Results. To know more about the "Next Level Fitness Accountability Group," reach out via Instagram.Kevin: https://www.instagram.com/neverquitkid/Alan: https://www.instagram.com/alazaros88/Where learning turns into action. “Next Level Book Club” every Saturday:https://zoom.us/meeting/register/tJMkcuiupjIqE9QlkptiKDQykRtKyFB5Jbhc_______________________NLU is not just a podcast; it's a gateway to a wealth of resources designed to help you achieve your goals and dreams. From our Next Level Dreamliner to our Group Coaching, we offer a variety of tools and communities to support your personal development journey.For more information, check out our website and socials using the links below.
Creative teams struggle with approval bottlenecks and manual handoffs. Christine Royston, CMO at Wrike, explains how AI-led orchestration streamlines creative collaboration for 20,000+ companies including Airbnb and NVIDIA. She details automated approval routing systems that eliminate confusion over roles and responsibilities, centralized workflow management that keeps all reviews and commentary in one platform, and intelligent task orchestration that automatically routes work to the right people with clear deadlines.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
AI did not just disrupt consulting, it changed what it takes to survive. Steve Cunningham shares how AI nearly wiped out his business, forced a complete reinvention, and ultimately led him to become an AI native full stack consultant. The conversation explores why context, workflows, and AI ready deliverables now matter more than traditional expertise alone. If you are a consultant, agency owner, or service professional wondering how AI is reshaping your role, this episode makes the stakes clear and the path forward practical. Today we discussed: 00:00 How AI Wiped Out Steve's Business 03:54 What an AI-Native Consultant Really Is 08:11 Giving AI the Right Context 11:53 Choosing AI Platforms Without Lock-In 14:54 Deliverables for Humans and AI 17:37 Guardrails for Safe AI Work 20:22 Steve and SimpleConsultants Rate, Review, & Follow If you liked this episode, please rate and review the show. Let us know what you loved most about the episode. Struggling with strategy? Unlock your free AI-powered prompts now and start building a winning strategy today!
The Super Bowl airs this Sunday and amid all the commercials, you might catch one for Columbia, the outdoor gear company. The makers of tough weather clothing partnered with Oregon' Breakside Brewery to create a lager brewed with… yup, you guessed it: bear poop. Ben Edmunds the brewery's founder and brewmaster joins the show to talk about what went in to making this lager. For more Drink Beer, Think Beer check out All About Beer.SponsorsDogfish Head Craft BreweryCalling all hop heads! Dogfish Head's 60 Minute IPA is a fantastically hoppy India Pale Ale that's beautifully balanced thanks to their unique continual hopping method. Delivering a pungent hop flavor that isn't crushingly bitter, 60 Minute is continually hopped throughout the boil for a full 60 minutes … starting to see where the name comes from?! Check out dogfish.com to learn more and to find some 60 Minute near you! Dogfish Head Craft Brewery, Milton, DE. Please drink responsibly.All About BeerAt All About Beer, we're honored to share the stories that define the beer community, and we couldn't do it without the generous support of our underwriting sponsors. Their commitment helps sustain independent beer journalism, allowing us to highlight the people, places, and passion behind every pint. Their partnership ensures these stories continue to inspire, connect, and celebrate the craft we all love. Join our underwriters today and help make an impact on independent journalism covering the beer industry.Host: John HollGuest: Ben EdmundsSponsors: Dogfish Head, All About BeerTags: Oregon, Scat, Lager, Marketing, Football Photo: Courtesy of Columbia Sportswear
This week on the Oakley Podcast, host Jeremy Kellett welcomes Keith Wilson, Tasha Rinehart, and Joe Vulpone from Arrow Truck Sales to spotlight the successful partnership with Oakley and Arrow. The conversation delves into their 75-year history, the process of sourcing and inspecting quality used trucks, and Arrow's customer-first approach. Key discussions include the impact of technology in truck sales, the unique advantages of Arrow's in-house financing through Transport Funding, and the opening of their new Little Rock location. Listeners will learn about the importance of building lasting relationships, post-sale support for drivers, adapting to industry changes for long-term trucking success, and so much more. Key topics in today's conversation include:Welcome to Today's Episode with Arrow Truck Sales (0:42)Stories About Family and Balance for Trucking Professionals (5:18)The History and Philosophy at Arrow, 75 Years in Business (7:53)Insight Into Used Truck Sourcing, Inspections, and Quality Control (10:37)The Process and Challenges of Buying and Selling Used Trucks (13:42)Lessons Learned from the COVID-19 Market Fluctuations (15:33)Technology's Role in Modern Truck Sales and Customer Experience (17:27)Competing in the Digital Age and How Customer Relationships Evolve (19:06)Creating a “Disney World” Customer Experience at Arrow (20:45)Service After the Sale and Standout Examples of Support (23:16)Handling Customer Issues and Going Above and Beyond Post-Sale (26:33)Arrow's In-house Financing and Benefits for Customers (29:27)The Critical Importance of Correct Truck Paperwork (32:04)The New Little Rock Store: Location, Strategy, and Benefits (35:21)Plans for Service Bays and Light Maintenance at Little Rock (38:19)Future Outlook: Sticking With Core Values While Embracing Change (39:42)Final Thoughts and Takeaways (41:06)Oakley Trucking is a family-owned and operated trucking company headquartered in North Little Rock, Arkansas. For more information, check out our show website: podcast.bruceoakley.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Most people don't realize they're building a job until it's too late. In this episode, I sit down with entrepreneur, investor, and philanthropist Candy Valentino to break down the difference between being self-employed and building a business that creates freedom, wealth, and optionality. Candy shares why so many entrepreneurs end up in golden handcuffs, how social media glamorizes entrepreneurship without telling the truth, and why intention matters more than hustle. Get ready to stop trading time for money and start building something that works for you. In This Episode You Will Learn The difference between building a BUSINESS and building yourself a JOB. Why many entrepreneurs end up in GOLDEN HANDCUFFS. How social media GLAMORIZES entrepreneurship while hiding the truth. The importance of designing your business with an EXIT in mind. Why LEADERSHIP is different from management. How jumping into “save everything” trains your team to NEED you. The mindset shift from instant gratification to LONG-TERM WEALTH. How investing in REAL ASSETS creates freedom beyond income. Check Out Our Sponsors: Shopify - Sign up for a one-dollar-per-month trial period at shopify.com/monahan Quince - Step into the holiday season with layers made to feel good and last from Quince. Go to quince.com/confidence Timeline - Get 10% off your first Mitopure order at timeline.com/CONFIDENCE. Northwest Registered Agent - protect your privacy, build your brand and get your complete business identity in just 10 clicks and 10 minutes! Visit https://www.northwestregisteredagent.com/confidencefree Resources + Links Get Candy's book Wealth Habits HERE Learn more about Candy's work: candyvalentino.com Call my digital clone at 201-897-2553! Visit heathermonahan.com Sign up for my mailing list: heathermonahan.com/mailing-list/ Overcome Your Villains is Available NOW! Order here: https://overcomeyourvillains.com If you haven't yet, get my first book Confidence Creator Follow Heather on Instagram & LinkedIn Candy on Instagram & LinkedIn
TV host, producer, author, and UN Goodwill Ambassador Padma Lakshmi joins Rapid Response with candid advice for business leaders on speaking out, showing courage, and staying true to themselves, particularly amid the Trump Administration's violent immigration crackdown. A passionate voice at the intersection of food, culture, and identity, Lakshmi shares how she's shaking up food media with her new series America's Culinary Cup, and offers a refreshingly human take on modern work life, including why she chooses to take zoom meetings from the comfort of her own bed. Visit the Rapid Response website here: https://www.rapidresponseshow.com/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
What do you do when hope feels completely out of reach?In this episode of The Mark Divine Show, Mark sits down with Dr. Robyne Hanley-Dafoe, award-winning resilience researcher, educator, and known globally as The Hope Scientist, to unpack what hope really is—and why it's not just wishful thinking.Dr. Robyne shares her remarkable story of dropping out of high school, navigating addiction, surviving a near-fatal car accident, and rebuilding her life from the ground up. Together, they explore why so many high performers feel burned out, disconnected, and stuck—even when they “have it all”—and how hope can be trained as a science-backed strategy for mental fitness, leadership, and long-term wellbeing.You'll learn:- Why traditional motivation fails when identity doesn't change- The difference between optimism and real hope- How stress, burnout, and hyper-arousal shut down clarity- Why belonging is the missing link in performance and fulfillment- How to build daily systems that rewire the brain for resilience- What to do when life forces a complete resetThis conversation is for leaders, parents, entrepreneurs, and anyone navigating uncertainty who wants to reclaim agency, purpose, and calm—without bypassing reality.Hope isn't passive. It's a practice.Join the Community & Go DeeperSubscribe to the NewsletterGet weekly insights on leadership, resilience, mental fitness, and purpose-driven living.
In this engaging conversation, Donny and Stephanie Ruhle discuss a range of topics including the importance of kindness in criticism, the role of business leaders in political discourse, immigration reform, and the impact of AI on the economy. They explore the current political landscape, the influence of wealth on politics, and the need for a more compassionate approach to leadership. The discussion also touches on the future of American politics and the importance of listening to constituents' needs. Be sure to check out the On Brand with Donny Deutsch YouTube page. Takeaways Stephanie Ruhle emphasizes the importance of kindness in criticism. Criticism can be constructive when it comes from a place of love. Business leaders need to step up on immigration reform. Everything in politics is interconnected and impacts the economy. Immigrants play a crucial role in the healthcare industry. The political landscape is shifting, with a potential return to the middle ground. Trump's grip on power may be weakening as public sentiment shifts. The influence of wealth on politics is significant and concerning. AI will change the way we work, but we need to prepare for it. People are inherently good and can drive positive change. Learn more about your ad choices. Visit megaphone.fm/adchoices
What does it really take to photograph celebrities and musicians and build a photography career that actually lasts?In this episode of The Portrait System Podcast, Nikki Closser sits down with Jim Wright, a renowned photographer who has worked with iconic musicians, A-list celebrities, and major publications. Jim pulls back the curtain on the real business of celebrity and music photography - beyond the glamour.You'll learn:How Jim broke into celebrity and music photography without a traditional planThe truth about licensing, usage, and work-for-hire contractsWhen (and when not) to shoot for exposureWhy relationships matter more than portfoliosHow personal work, family portraits, and commercial projects can coexistWhat photographers misunderstand about pricing and sustainabilityWhether you're an aspiring photographer or an established pro, this conversation is packed with honest insights about longevity, creative integrity, and building a career on your terms.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
SANS Internet Stormcenter Daily Network/Cyber Security and Information Security Stormcast
Scanning for exposed Anthropic Models https://isc.sans.edu/diary/Scanning%20for%20exposed%20Anthropic%20Models/32674 Notepad++ Hijacked by State-Sponsored Hackers https://www.rapid7.com/blog/post/tr-chrysalis-backdoor-dive-into-lotus-blossoms-toolkit/ https://notepad-plus-plus.org/news/hijacked-incident-info-update/ Insecure Websockets in OpenClaw https://zeropath.com/blog/openclaw-clawdbot-credential-theft-vulnerability Malicious OpenClaw Skills https://www.koi.ai/blog/clawhavoc-341-malicious-clawedbot-skills-found-by-the-bot-they-were-targeting Exposed OpenClaw Instances https://censys.com/blog/openclaw-in-the-wild-mapping-the-public-exposure-of-a-viral-ai-assistant
In this episode, Olympic medalist Molly Seidel reflects on the aftermath of success at the highest level of the sport. She discusses the pressures of elite marathoning, why that model became unsustainable, and the personal decisions that led her away from the roads. The conversation touches on injury, identity, sponsorship, social media, and the early stages of her transition into trail running.Timestamps:00:00 The Influence of Business School on Personal Growth03:02 Redefining Success in Running05:52 The Unsustainable Nature of Elite Sports09:01 Navigating Pressure and Performance12:01 The Challenge of Public Perception14:54 Building a Life Beyond Running17:56 The Artistic Side of Sport20:40 Transitioning to Trail Running23:54 The Business of Being a Professional Runner26:41 The Impact of Social Media on Athletes29:49 Comparing Media Coverage in Running35:46 Training Philosophy and Mental Game38:54 Nutrition and Gear for Trail Racing41:45 Looking Ahead to Future RacesPartners:Raide - Making equipment for efficient human-powered movement in the mountains (https://raideresearch.com/singletrack)Precision Fuel and Hydration - use code SINGLETRACK at checkout for 15% off your next order (https://www.precisionhydration.com/planner/?utm_source=partner&utm_medium=podcast&utm_campaign=singletrack)Norda - check out the 005: the lightest, fastest, most stable trail racing shoe ever made (https://nordarun.com/)Janji - premium trail running apparel (https://janji.com/)Support the show
What if growth isn't about pushing harder, but about letting go more skillfully? In this episode of Why Isn't Everyone Doing This?, Emily sits down with coach and author Suzy Ashworth for a grounded, activating conversation about identity shifts, pivots, and what it actually takes to receive more in life and business. Together, they explore why true transformation doesn't come from strategy alone, but from who you're willing to become in your body, your nervous system, and your sense of self. Suzy shares how the most powerful pivots in her life and work didn't come from forcing outcomes, but from releasing attachment to timelines, outcomes, and the need to prove. They unpack the difference between desire and striving, why pleasure and joy create magnetism, and how detachment becomes a superpower when it comes to manifestation and receiving. This conversation reframes success as an internal orientation first, and an external result second. This episode is for anyone standing at the edge of a change, sensing that the next level requires less effort and more trust, and learning how to open themselves to receive what's already available. KEY MOMENTS: 00:00:00 — Identity as the starting point of transformation 00:03:15 — Setting the energetic field: invocation, coherence, intention 00:07:00 — Why the pivot matters more than the plan 00:11:20 — Joy and pleasure as stabilizers for growth 00:18:10 — Choosing who you become when life forces a reckoning 00:24:30 — Resilience, failure, and expanding emotional capacity 00:27:00 — Detachment as a manifestation superpower 00:31:00 — Faith plus action: alignment without exhaustion 00:34:00 — Identity before income and external results 00:46:00 — Integration: when the work becomes how you live About Suzy Ashworth Suzy Ashworth is a coach, speaker, and bestselling author of Infinite Receiving. She is the founder of the Quantum Leap Your Life & Business certification and works with leaders and entrepreneurs who are ready to shift identity, expand capacity, and build success that is both profitable and sustainable. Suzy's work focuses on embodiment, nervous system alignment, and redefining success as something that is lived, not chased. Learn more about Suzy and explore her work:https://suzyashworth.com Follow Suzy on Instagram:https://www.instagram.com/suzy_ashworth For Those Ready to Hold More The themes in this episode, alignment, capacity, faith plus action, and leadership without burnout, are exactly what Level 3 is designed to support. It's where the work stops being something you do in moments of stress and becomes the way you lead, decide, and steward what you're responsible for. By working at the level of the nervous system, state of consciousness, and capacity to hold more, Level 3 supports the kind of embodied leadership Suzy speaks to in this episode, abundance that lasts without exhaustion.
AI is transforming the way work gets done—but great leadership still comes down to people. In this episode of The Career Contessa Podcast, Lauren McGoodwin welcomes back Julie Zhuo, author of The Making of a Manager and co-founder of Sundial, to discuss how managers can lead effectively in the AI era, beyond productivity metrics and tools. You'll learn:Why AI-driven productivity doesn't equal team success—and what leaders should focus on insteadThe leadership skills that become more valuable (not less) in an AI-powered workplaceHow managers can maintain trust, purpose, and meaningful work as AI reshapes rolesShow NotesWeekly Newsletter Sign-Up: http://bit.ly/37hqtQW Guest Resources:Website: https://www.juliezhuo.com/Book: https://www.juliezhuo.com/book/manager.html Substack: https://lg.substack.com/ LinkedIn: https://www.linkedin.com/in/julie-zhuo/ X: https://x.com/joulee Career Contessa ResourcesBook 1:1 career coaching session: https://www.careercontessa.com/hire-a-mentor/ Take an online course: https://www.careercontessa.com/education/ Get your personalized salary report: https://www.careercontessa.com/the-salary-project/ See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
This week's episode of Wealth Formula features an interview with Claudia Sahm, and I want to share a quick takeaway before you listen — because she's often misunderstood in the headlines. First, a quick explanation of the Sahm Rule, in plain English. The rule looks at unemployment and asks a very simple question:Has the unemployment rate started rising meaningfully from its recent low? Specifically, if the three-month average unemployment rate rises by 0.5% or more above its lowest level over the past year, the Sahm Rule is triggered. Historically, that has happened early in every U.S. recession since World War II. That's why it gets cited so much. And to be clear — it's cited a lot. The Sahm Rule is tracked by the Federal Reserve, Treasury economists, Wall Street banks, macro funds, and economic research shops globally. When it triggers, it shows up everywhere. That's not by accident. Claudia built one of the cleanest early-warning indicators we have. But here's the part that often gets lost. The Sahm Rule is not a market-timing tool and it's not a prediction machine. Claudia emphasized this repeatedly. It was designed as a policy signal — a way to say, “Hey, if unemployment is rising this fast, waiting too long to respond makes things worse.” In other words, it's a call to action for policymakers, not a command for investors to panic. What makes this cycle unusual — and why talking to Claudia directly was so helpful — is what's actually driving the data. We're not seeing mass layoffs. Layoffs remain low by historical standards. What we're seeing instead is very weak hiring. Companies aren't firing people — they're just not expanding. That distinction matters. And this is where I think the big picture comes in — not just for understanding the economy, but for investing in general. When you step back, the big picture includes a government with massive debt loads that needs interest rates to come down over time. It includes fiscal pressures that make prolonged high rates politically and economically painful. And it includes the reality that if the current Fed leadership won't ease fast enough, future leadership will. History tells us that governments eventually get the monetary conditions they need — even if it takes time, even if it takes new appointments, and even if it takes a shift toward a more dovish Federal Reserve. That doesn't mean reckless money printing tomorrow. But it does mean that structurally high rates are unlikely to be permanent. And when you combine that with investing, the question becomes less about this month's headline and more about what's positioned to benefit when the environment normalizes. That's why I continue to focus on real assets that are already deeply discounted — things like multifamily real estate — assets that were repriced brutally during the rate shock, but still sit at the center of a growing, rent-dependent economy. This conversation with Claudia reinforced something I've been talking about for a long time:The biggest investing mistakes usually happen when people zoom in too far and forget to zoom back out. I've made this mistake myself. If you want a thoughtful, non-sensational, data-driven discussion about where we actually are in this cycle — and what the indicators really mean — I think you'll get a lot out of this episode. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com. Welcome everybody. This is Buck Joffrey with the Well Formula Podcast coming to you from Montecito, California. Before we begin today, I wanna remind you, uh, listen, we’re back in, uh, back in the saddle in here in, uh, 2026. I know it’s takes some time to get used to it, but we’re, gosh, we’re at the end of the month actually by the time this plays. I think we’re in February. It’s time again to start thinking about investing. And so if you are interested in potentially using this year, which I believe and which many believe to potentially be the last year, uh, big discounts, uh, in real estate and, uh, various other types of offerings. Make sure. To sign up for the Accredit Investor group, our investor club, as we call it wealthformula.com. You do need to be an accredit investor and then you get onboarded. An accredit investor is just defined by who you are. If you make over $300,000 per year filing jointly, or 200 by yourself, every reasonable expectation to do so in the future. Or you have a net worth of a million dollars outta your personal, outside of your personal residence, you’re an accredit investor. Congratulations. Join the club wealthformula.com. Interesting podcast. Today we have, uh, Claudia Sahm She’s a Big Deal, Claudia Sahm. You may recognize that last name som, for this som rule. And what is a som rule in plain English. You actually have heard of the som rule multiple times from other economists who’ve been on the show. The som rule looks at unemployment. And asks a very simple question. Now, has the unemployment rate started rising meaningfully from its recent low? So specifically, if the three month average unemployment rate rises 0.5% or more above its lowest level, over the past year, this som rule is triggered. Now, historically, that has happened early in every US recession since the World War ii. That’s why it gets cited so much. It gets cited a lot. By the way, the sum rule is tracked by the Fed treasury economists, wall Street Banks, macro funds, economic research shops globally, and when it triggers, it shows up everywhere, and that’s not by accident. Uh, Claudia has built one of the cleanest early warning indicators we have, but here’s the part that often gets lost. The som rule is not a market timing tool, and it’s not a prediction machine. Claudia, uh, emphasized that repeatedly. It was designed as a policy signal, a way to say, Hey, if unemployment’s rising this fast, wait, waiting too long to respond makes things worse. In other words, it’s call to action for policy makers, not a command for investors to panic per se. So what makes this cycle unusual and why talking to Claudia directly was so helpful? Well, it’s what’s actually driving the data. We’re not seeing mass layoffs. Layoffs remain low by historical standards. Um, what we’re seeing instead is very weak. Hiring companies aren’t firing people, they’re just not expanding, and that distinction matters. This is where the big picture comes in, not just for understanding the economy. For investing in general and when you step back, the big picture includes a government with massive debt loads that need interest rates to come down over time. It includes fiscal pressures that make prolonged high rates politically and economically painful. I’ve mentioned this before and it includes the reality that have to fed, fed, uh, if the current Fed leadership won’t ease fast enough. I am likely the case that future leadership appointed by. Donald Trump himself, uh, will, so history tells us that governments eventually get the monetary conditions they need, even if it takes time, even if it takes new appointments. And even if it takes a shift towards a more dovish federal reserve. Uh, that doesn’t mean, uh, reckless money printing tomorrow, but it does mean that structurally. High interest rates are unlikely to be permanent. Okay? And when you combine that with investing, the question becomes less about this month’s headline and more about what’s positioned to benefit when the environment normalizes. Okay? That’s really, really important, and that’s why I continue to focus on things like real estate, right? Real estate is currently. Not for long, in my opinion, but deeply discounted things like multifamily real estate, um, that were repriced brutally during the rate shot, uh, but are still at the center of a growing and, and rent dependent economy. And again, uh, this conversation with Claudia reinforced something that I’ve been talking about a long time, which is the biggest investing mistakes usually happen when people zoom in too far and forget to zoom back out. I’ve made that mistake myself. I am not immune. I have made lots of mistakes, and that’s one of them. So this is a great conversation. Hopefully you’ll enjoy it, especially if you want a thoughtful, nons sensational data-driven discussion. Where we are actually at in this cycle and what these indicators really mean. I think you’ll get a lot of this episode and we will have this conversation for you right after these messages. Wealth formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net. The strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own bank to invest in other cash flowing investments. Here’s the key. Even though you borrowed money at a simple interest rate, your insurance company keeps. Paying you compound interest on that money even though you’ve borrowed it at result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit Wealthformulabanking.com. Again, that’s wealth formula banking.com. Welcome back to the show, everyone. Today my guest on Wealth Formula podcast is Dr. Claudia Sahm. Uh, she’s an American, uh, macroeconomic expert, uh, known for her work, uh, on monetary and fiscal policy and real-time economic indicators. She developed this som rule, which I think, uh, people have mentioned on this show before, so this is a great opportunity to talk to her about that. Uh, it’s a widely, uh, followed recession signal based on unemployment. She’s also a former Federal Reserve economist and senior policy advisor in government. Um, so welcome, uh, Dr. Sahm. Great. Happy to be here. Thank you. Well, let’s, let’s kind of start out with this som rule because, uh, you know, it’s funny, we, we have had a few different people, uh, at various times bring up the SOM rule, and I think one had actually said that it was triggered, but I don’t don’t think it was at any rate, let’s, let’s start with that. What is the som rule? Lemme start with why is there a som rule, and then we’ll then we’ll get to specifically what the, what the rule is itself. So when I started out on the project, it wasn’t so much about. Calling a recession, like there are some really fancy technical ways that economists like look at the tea leaves and the data and either try to forecast a recession, which is incredibly hard, or even just say we’re in a recession in real time. So like that’s a useful endeavor. But what actually was behind the development of my recession indicator was more of a call to action. How do we develop policies that, that the Congress can put into place very quickly if a recession comes? So these kind of what are referred to as automatic stabilizers, so they’re decided upon ahead of time, but then you do need a trigger that says a recession is here. So now that enhance the unemployment benefits, send out the stimulus checks, whatever it is that we kind of have as our typical tools that are used in recessions, we could have those ready to go as kind of guardrails. Then like you, you turn the policy on. So that was really my emphasis was on how do we do better policy and recessions, get the support out quickly. ’cause that’s the best chance of kind of stabilizing the situation. And then it’s like, well it was in a, it was in a policy volume that they asked for, like a really concrete proposal. So if I’m gonna say an automatic stabilizer, I need to have a proposal for what a trigger could be. So that’s really where the som rule came. So I think it is important. It’s definitely important to me to, I always remember like what the kind of reason for it’s sure. Now that also guided what the indicator itself looks like. So again, it was gonna be in, in fiscal policy. It needs to be simple, it needs to be something that we track it and it needs to, I felt it was important that it capture the reason that we. Fight recessions, why there’s such a bad, uh, you know, outcome. And so it looks at the, the unemployment rate. I use the national unemployment rate, take a three month average. ’cause we wanna smooth out, like there’s bumps and wiggles in the data from month to month. So you kind of, you know, three month average. One way to smooth it out. So you take that series of three month averages, you look at the current value, you compare to the lowest value over the prior 12 months, if you’ve seen an increase of a half, a percentage point or more. Which is really pretty modest, but half a percentage point or more. Historically, we have been in the early months of a recession, so it’s not a forecast. It’s supposed to be like we’re in it. Let’s go. It’s an empirical pattern. It’s one that’s worked in the United States. It reflects kind of our labor market institutions, the way unemployment rate moves and recessions. It historically is the case that once you get past a certain threshold of increased unemployment rate, it tends to build on itself. And in a typical recession, we see increases of. Two, three or more percentage points in the unemployment rate. Uh, so that’s, that’s what the summer rule is. And in fact, it did trigger in the summer of 2024. At that time I had said like, look around, we are not in a recession. GP is still expanding. Job creation is still happening. We don’t see the other hallmarks of a recession. And pointed to the fact that we’d had a very disrupted labor market after the pandemic in particular. You know, there had been a lot of immigration at that point. The unemployment rate is the total number of unemployed. So people who don’t have a job but are actively looking for one out of the labor force, right? And so these people that have to either be employed or looking for jobs, and so we actually saw from the pandemic. Both with the pandemic and then later with the surge and now the reversal in immigration. We’ve seen a lot of movement in the, in the labor force, which makes unemployment rate a little tricky to interpret. And then I’d also argue, we saw early in the pandemic, the unemployment rate dropped very rapidly. We even had labor shortages. So in some ways unemployment rate rising and it has risen over. I mean, it continued to rise last year in 2025. A lot of that’s also normalization. We’d had a very low unemployment rate. So I think the, the pandemic recession has a lot of features that were very unusual. We’ll talk probably more about the labor market continued to be kind of unusual. So the, you know, the somal was not the only recession indicator to fall flat on its face in the cycle. Um, but I think it’s still a useful, useful guide and I, and. You know, even if it’s not a recession, the, the unemployment rate is a full percentage point above, its low in 2023. So, I mean, that, that could, that could be a reason for policymakers to respond, even if it’s not responding to a recession. Right. That was the first time that it, that triggered and, and actually didn’t. End up in a recession, right? There’s some back in the 1950s, earlier, but it’s, it’s the first time where there’ve been some false positives in the past or, or near false positives. Like in 2003. It was kind of close, uh, is like the unemployment rate rises a little bit and then it falls back down. What we saw after it triggered in 2024 is it stabilized. Then last year it continued to rise. So this the pattern that we’ve seen since the pandemic of rapid recovery dropping unemployment rate and then it’s like gradually rising and yet has risen a full percentage point that you go all the way back in the post World War II period. We don’t see anything that looks like that. So that is a very unusual. Paris. So something’s more is going on in the labor market than just our typical business cycle, boom, bust, recession type dynamics. So what is that? What is the thing that’s happening that’s unusual right now in the labor market? Right? So the thing that is driving the unemployment rate up, I think this is a good lesson, a reminder to all of us. It’s not about layoffs. The rate of layoffs in the United States is really quite low. You look at unemployment insurance claims, they’re also quite low. What’s been pushing the unemployment rate up over the last two and a half years has been a very low rate of hiring and, and it’s, and it is something that over time will at least gradually put upward pressure on the unemployment rate and frankly. Until hiring picks up and we really don’t have many signs of it. Even as we enter 2026 unemployment rate’s gonna probably keep drifting up ’cause we’re not keeping job creation’s, not keeping up with, you know, people coming into the, into the labor market and, and that what’s, I think the puzzle right now is that hiring has been very low. But what we’ve seen in terms of consumer spending, business investment, so the kind of the big pieces of GDP, they’ve really held up pretty well, so. Business. It’s not, again, not that recession of the customers have disappeared. And so we’re not hiring, or we may even be firing workers. The customers are there for the businesses, but they’re choosing in this environment not to add, uh, to their payrolls. And that’s slowly pushing up down point rate. Yeah. Um, you know, it, it’s interesting what you’re, you’re talking about, but essentially you’re, people aren’t getting fired. They’re just, when they retire or leave, they’re just not replacing those. Individuals, you know, makes me think a little bit about what’s going on in the big, you know, in the tech push with artificial intelligence and that kind of thing, and increased in efficiency. Certainly you see that in the larger companies like Amazon and all that, where they’re just becoming massively more productive and cutting expenses essentially by, you know, using tech. Do you think that this is sort of an early indication, potentially of that kind of movement? So it. It’s possible, but I think we’re at the very front end of AI disrupting the labor market. This low hiring rate that we’ve talked about. You see this across all kinds of industries, including ones that don’t show high levels of AI adoption, and frankly, a AI adoption is pretty low. I mean, there are some sectors like tech and increasingly finance and some professional services have higher adoption rates. Uh, but in terms of it being able to explain the low hiring. I think it’s pretty tough ’cause the low hiring is such a, such a broad based, um, phenomenon. Now, AI might be, I think, indirectly contributing in that one of, one of the hypotheses about why, um, businesses have been, uh, not hiring despite, you know, economic activity. Continuing to push ahead could be that there’s a lot of uncertainty. Now there is a long list that we could draw of, of factors that might be causing businesses to be uncertain and hesitant to add to their payrolls. Uh, a lot of times you talk about things with tariffs or, you know, economic policy, regulations changing, you know, so there’s a lot going on there. But it could also be, there’s a lot of uncertainty about what this technology means for the future. Maybe you don’t need to bring on more workers because your ability to kind of use and adapt this technologies coming online. And so like that could be part of it. I think there’s another piece, you know, we have a lot of discussion about ai, but I do think that there’s, there could be a, a technology angle to this that’s, that is. Not in the AI technologies, but maybe just some of the more basic kind of automation is again, right after, you know, the, the pandemic recession as we came out of a, you know, very rapid recovery, uh, there was, there was a lot of hiring or that, ’cause businesses had done a lot of firing and they needed to bring back workers really rapidly and we actually had a period of labor shortages. There were workers moving around a lot and there were, that also put a lot of pressure on some employers, particularly in service sector, to automate more ’cause they just couldn’t get the workers, so they needed to bring technology. Online to help, you know, fill the gap. And over time, you know, businesses though, they haven’t done as much hiring, they have been firing. So the workers, they have longer tenures, have more experience, they’re probably more productive. So maybe businesses can kind of, you know, get away with not doing more hiring. ’cause the people they have there can kind of keep up with it. Um, and they’ve done some more automation. I don’t think those are sustainable. I think we’re going to need to see hiring pickup in terms of, of staying with, um, you know, as expanding, uh, demand from customers. But I won’t pretend to know what AI means for the future of the labor force. Right. So like there could be, I think that’s a big conversation about we’re headed, where we’re headed. I think it’s probably a pretty small slice of explaining. Where we’re at right now. You know, it’s interesting because obviously there was a lot of concerns about rising inflation, and particularly in the context of, you know, tariffs and, and among those types of things that were, were, um, coming down the pipe. And as it turns out, inflation seems to be coming down. How do you explain that from where you sit? Because it, it, it seems sort of to contradict a lot of what, you know, many economists believe to be likely. So when thinking about the effects of tariffs on inflation and this, this idea that it didn’t end up being as much of a factors we had really feared, uh, you know, a year ago. I think there’s a few things to keep in mind. One, the announced tariffs, uh. Didn’t come to pass fully. Right? So there’s a big difference between some of the, the, the initial announcements, whether it was on Liberation Day, April 2nd, or the initial kind of retaliation tit for tat with China, where we ended up with some triple digit, uh, tariff numbers. Those didn’t end up being where we, we ended now tariff, the effect of tariff rate. Is much higher than it was before. Right. Uh, president Trump came into office for the second time, so like, I don’t wanna minimize the, the, the increase in tariffs and the US government collected about $200 billion last year in, in additional tariffs. But there is a, there’s a good bit of daylight between what was announced and where we actually ended up. Businesses also proved very capable of trying to avoid those tariffs and not in like a. Illegal kind of way of avoiding them, but, but using inventories like trying to get ahead of them. We know the tariffs are tariffs. There’s been some evidence that, that it’s businesses are gonna start passing on the tariff cost increase when it’s actually tied to the inventories that they’re putting out in front of customers. And for some of our goods, like say apparel or things that have long seasons or come from, you know, all across the world, it actually takes quite a bit of time from the inventories being what actually shows up in front of customers. So there’s been the ability to. Kind of get around the tariffs ’cause they were rolling in. And so do be smart in terms of your inventories. And then it just takes time for those inventories to be, you know, um, to come down. Mm-hmm. By, there’s been several studies at this place, at this point that, that demonstrate that the, the tariffs, the cost of the tariffs is coming into the us. So the, it’s always the importer that pays the tariff, like literally writes the check to the US government. But it’s possible that the foreign producer could say, reduce their prices on what they’re, you know, paying or what they’re asking to be paid for that, uh, imported good. And then that would be a way of the foreign producer sharing the cost of the tariff. But everything that we see from the M Court data suggests that a very small fraction, probably less than 10%. Of the total tariff burden is being born by, at least at this point, born by the foreign producers. So it’s coming into the us. It’s sitting with either US businesses that are importing the goods or have the goods at some point in their, you know, in their supply chains and, and with us customers, the consumers we have, we’ve seen. I think you can really look at the inflation data. You can see the goods prices, which often are kind of a drag on inflation that they did turn around. They’re, they’re putting upward pressure on inflation. It’s not massive. It doesn’t explain all of these, you know, 200 billion in tariff costs, but then it is, it’s sitting with businesses. The effects still, it’s still just not that long enough to really understand. You know what, what the implications. It’s possible. I, I think that’s true with any, with any big policy change. Like it doesn’t happen overnight. I think that’s one thing that a lot of, a lot of economic models that, like, they’re, they’re very sensitive, right? Like as soon as a policy change happens, the models will kind of tell us something pretty dramatic in terms of adjustments. But this last year was a reminder, like when there’s, when there’s a big cost, there’s gonna be a lot of attempts to adjust around it to try to minimize that cost and then. It takes time, like in the real world, like the interactions are much more complex. You know, inventory lags all of the, like, it takes time to move its way through. So I think we’re not done with the pass through. I think we’ll probably still see more come to consumers, but businesses could decide to bear that cost. They, they could, you know, with profit margins. I mean some of, some of the inflationary environment in the pandemic did allow. There were very broad base increases in prices. You did see some companies be profitable from that because it was, there was a, you know, some of the costs were more targeted, but the, you know, the, the price increases were broad. So it could be a time where businesses see that, you know, consumers are more price sensitive now than they were in 21, 20 21, 20 22, so they’re not passing as much on it. Could be that that’s part of where. Like the cost businesses are dealing with that cost by maybe doing less hiring as opposed to passing it on to consumers. Uh, you know, they could be taking a hit with their profits. They, you know, so like, it doesn’t have to go all the way through to consumers. There are different levers that can be pulled. I do think we’ll still see some pass through in the, in probably the first half of this year, and that’s assuming that our whole tariff regime. Sit still, right? It looks like once again we might be, uh, increasing those tariffs, but, um, so yeah, I think it’s just tracing, you know, the tariffs through the system is really complicated. And one last thing I’ll say about the tariffs is they’re not just tariffs on goods that go to consumers. These tariffs have been broad enough that we’re also taring imported goods that are used by our manufacturers used for our, by our businesses in their production. So then it can take a really long time for that to end up with the, you know, the end customer could be a business to start with, and then it moves its way down. So I think these are just, you know, the costs are real. We can see the tariffs have been collected, the costs are there. We can see in the import data, there haven’t been import price data, there haven’t been a lot of adjustments by the foreign suppliers. So then it’s just a question of, we have these costs. Where did the cost go? I believe the last GEP was 4.3% and, uh, inflation was around 2.6, 2.7, or at least core. You’ve obviously, uh, worked at the Fed. Um, give us a sense of the situation that the Fed is trying to figure out here. Like what do they do with these numbers and, you know, all of the issues that surround them. The work at the Fed, I mean, it, it’s laser focused on the, the response, the mandates that the Fed has. So with maximum employment and price stability and with maximum employment, that’s not something that can be easily defined. It’s not like it’s a particular unemployment rate, it’s not a particular payroll number. But I mean, broadly speaking, it’s, you know, do, are, you know, the people who wanna work, are they working? In such a way that it’s not putting pressure on inflation, right? Like labor shortages that end up with wage increases that just, you know, end up with inflation. Like that would be a situation where the Fed would actually want to kind of help restrain some of the. Uh, employment growth. And we, we saw that in this cycle. I mean, the Fed raised rates a lot in 2022 and 2023. Uh, so that’s the maximum employment on the stable prices. The Fed has set a target of the 2%, uh, year over year PCE inflation. So a little different than the CPI inflation, but very much related. And, and it’s one, I mean, that’s, that’s the goal, right? And it, uh. So it starts with those two pieces and, and what’s been, I think what’s been challenging in say the last year as the Fed was, you know, trying to figure out what it was gonna do with interest rates was the fact that it, there was pressure on both sides of the mandate. Mm-hmm. Um, and not necessarily the, well, I mean, inflation itself has, was above the 2%. It continues to be above the 2%. Target has been. Since 2021. Now the Fed’s policy doesn’t have a look back, but I mean, they do worry that the longer inflation stays closer to three than two businesses. Consumers are gonna start to kind of embed three into their actions, their expectations. Then you kind of get stuck there. So like that, that both, you know, they were missing on the inflation mandate and there were, there were concerns that the, that we might see inflation get stuck above the mandate and the way you dislodge it if it gets stuck. Could end up risking a recession, right? So the Fed doesn’t want that to happen. So that’s a real concern. But then on the employment side, you know, we started out talking about the small rule, the rising unemployment rate. We’ve seen the unemployment rate rising. And then last year in particular, it wasn’t just the unemployment rate rising, we saw job creation just really take a leg down. Um. Some of that probably is less immigration population aging, so less supply of workers, which isn’t something the Fed would react to. ’cause that, I mean, if you don’t have as many people that wanna work, you don’t need to create as many jobs. But the unemployment rate was rising, so it’s clear, like there just wasn’t, there wasn’t enough job creation to keep up with, um, the workers who were there, uh, to work. And, and there was a concern that this could, could spiral out. Those small increased unemployment rate that, that very low level of job creation. And frankly, if you look at, I mean the, I mean, we have multiple months and probably more after revisions of declines in payroll employment. Mm-hmm. Like if you looked at the labor market data, you’d be like, aren’t we in a recession or like on the edge of one? Again, that’s not where we’re at, but it, it certainly gave that, that risk. Things could be slowing down. And, and the, the last piece that was really important in the Fed’s decisions was where, where’s the federal funds rate? Where are the interest rate, the policy interest rate they control? And it was still relatively high. For, for recent history, right. Not in the long history of the Fed, but mm-hmm. And so, like the Fed had raised, they’d raised interest rates quite aggressively to fight the inflation in 2022. They’d very gradually lowered it. Some was taken out in 2023 because made some pro, made quite a bit of progress on inflation in, or in 2024, they lowered the rates in 2025, the 75 basis points of cuts that the Fed did. It was out of concern. Of the labor market unraveling a risk, not a, not saying, hey, the labor market is unraveling, but saying the risk that the downside risk to employment are larger and more worrisome than the upside risk to inflation. So this inflation getting stuck, is that still the case as a going into 2026 here? So, you know, even, even last year we saw, we listened to Fed officials, there’s quite a bit of disagreement. Because it was a tough situation to read. There are some Fed officials that were more focused on inflation, some that were more focused on the employment side. Uh, and it really was just a matter of kind of reading the economy and trying to figure out this, a very unusual situation, like where, where was this headed? What did the Fed need to do? In the end, the consensus on the Fed was to do the rate cuts, kind of front load them. They talked a lot about it as insurance. They’re taking out insurance against the labor market deteriorating. And I think with that approach, in all likelihood, and there’s been certainly signaling of this, that when they meet at the end of January, it’ll, they’re unlikely to move again. That this is, this will be an opportunity to hold steady, be patient the Fed has, has taken out their restriction. So they don’t have the higher rates, so they’ve pulled rates down. We also know that early this year there’s various kinds of fiscal support that are coming online or tax cuts to households and to businesses that should give a little extra lift, uh, to the economy. So I think it’s a period of the Fed waiting to see what the effects of their policy changes are, seeing what the effects of the fiscal policy with the expectation this will be enough to stabilize the labor market. Even help get it back on track and really what the Fed would like. I mean, we’ll see what they get, but they’d really like the next cut to be a good news cut. Like inflation. Oh look, it’s moving back down again. We’re making clear progress back to 2%. I think that’s probably gonna take maybe even till the middle of this year to build that case. A strong case for the disinflation. Mm-hmm. But that’s, that’s what they would, would like to do. But they’re gonna keep an eye on the labor market. But nothing we’ve seen in the most recent data suggests that they gotta get moving like that. There’s some, you know, real pressure building. Um, in fact, the labor market looks a little bit better probably than when they met in December and inflation. Showing some signs of progress, but it, it’s pretty bumpy in terms of, there’s a lot of noise in the data at the moment. You mentioned, um, the Fed’s mandate and you know, certainly that’s something, um, that, uh, you know, that, that we know the Fed looks at these unemployment numbers that look at inflation. I’m curious though, that there’s, you know, there is this push and pull with the treasury. In particular, you know, looking at the amount of, of, of, of bonds that need to be refinanced, that kind of thing. I mean, presumably that’s one of the reasons why the Trump administration is pushing so hard, uh, on the Fed to reduce, um, you know, to reduce rates so that you know, this sovereign debt can be refinanced at a, something a little bit more palatable. How much of that actually. I know it’s not supposed to play a part in the Federal Reserve’s actions, but in reality is there, is there that kind of, you know, thinking that, you know, they have to, they, they may try to play ball a little bit with the, with the situation, with the debt. Yeah. There, the, the Fed is not playing ball right now with the administration. Uh, but, but there have been, there have been times in our past. So during World War II, there was an explicit cooperation between the Fed and the Treasury. The Fed kept interest rates low. Both the federal funds rates, so the short term interest rates, they also did, uh, some purchases of longer term to help keep longer term rates down. Right. So I mean, the, the Fed really, they, their policy was oriented exactly on this objective, keeping the borrowing cost of the US government low because it was financing the war effort. So, so there have been times where the Fed has cooperated with treasury. Now, when they came out of World War ii. What happened is, you know, treasury wants to keep interest rates low. This is good for, you know, the economy, good for growth, but it was, it really was creating a lot of inflationary pressures and it took until the early 1950s for the Fed to kind of regain its kind of operational independence from treasury and then go back to pursuing, you know, inflation as a key goal. And then also in the late seventies and maximum employment was added as an explicit goal. So we’re in a place now where. It’s employment, it’s inflation, it, there was quite, um, I mean, president Trump and some other officials have been, you know, very open about saying rates should be low to help with the deficit, with funding the gov. So like, it’s, it’s been in the discussion in the air. But that’s not, that’s not a mandate that Congress has given the Fed. That’s not what they’re pursuing. It does, you know, but things can change at the Fed. We’re gonna see a change in leadership this year with a new Fed chair. Um, the Fed always, I mean, Congress created the Federal Reserve. It’s changed its abilities, its responsibilities over time. I don’t wanna say that we’ll never get back to a place where the Fed thinks about. Its effect on the deficit. I mean, they’re watching it, they know, right? They’re tracking all these aspects of the economy. But in terms of what’s driving the Fed’s decisions about what the, the federal funds rate should be, that’s not part of the calculus right now. Yeah. Um, you know, another, just another question is for clarity. You know, the, the, um, officially right now there’s, there’s no quantitative easing. However, there is. Uh, you know, I’ve been reading, uh, about even, I think even today, there was a, a fair amount of liquidity, uh, being injected in by the Fed. Can you, for people who don’t understand the mechanics of this and what the difference in terminology is, can you explain to us maybe what the difference is between quantitative easing and what’s being done right now? So just as for context, where quantitative easing even came from. So if we go back to the global financial crisis in 2008, the Federal Reserve, in response to that recession, pulled the federal funds rate all the way to zero. Cut rates to zero And as sure many of us remember that that recession was a very deep and long recession. So, and the unemployment rate was, you know, 10% and inflation was not a problem. So the, the Fed would want in that environment to do more to support the economy. But when the federal funds rate is at zero, that’s, its, that has been its primary tool. Well, that’s, that’s. Stepped out. So then as a question of, well, what else could we do to help support the economy? And, and there, there were. Different possibilities. Uh, some European central banks looked at, you know, they actually did negative interest rates or tried to pull their policy rates, and that’s not what the US did. What was done was to do purchases of, uh, treasuries. Uh, there’s also been purchases of mortgage backed securities, and this is where the Fed is. I mean, and, and they’re creating reserves. So the fed, I guess, secretary, uh. Treasury doesn’t refer to it as magic money. Um, you know, they create reserves and then they’re going out and they’re buying tr so they’re pushing that liquidity, that demand into markets. And if you’re, if there’s a lot more demand for treasuries, well, the price of the treasuries will go up. The yield comes down. Interest rates go down. Yep. Interest rates go down. So they. They were, the Fed wanted to support the economy more. That was the tool that they used to do it. So when, when the Fed talks about quantitative easing, it’s not just the tool, the asset purchases, it’s also the intent, right? They wouldn’t do quantitative easing right now. ’cause if the Fed thought they really need to stimulate the economy more, they’ve still got like. More than three percentage points they could cut from the federal funds rate. Like if the issue were right now, we need to like get the economy going, they’re gonna like cut the funds rate and do it that way. They wouldn’t be pur like purchasing assets, purchasing treasuries to do that. But what what happened is between the global financial crisis, the Great recession, so all the asset purchases done then. There was some, some runoff of the balance sheet, but then again, in the pandemic there were a lot of asset purchases. Uh, the Fed has a really big balance sheet, and it has, uh, it, it kind of changes the way that the Fed can even just move around the federal funds rate. Like, I don’t wanna get too much into the, the technicals, but it’s, it’s just, you know, when the Fed says, well, we wanna lower the, the funds rate to 3.5%. In the old days, they could kind of do, you know, with the bank reserves and they could like, make these small purchases and it would, it would make that stick. Now with, there’s, uh, banks have a lot of reserves, so they’re not as responsive. And so just to kind of, there’s like the, the technical, the tools, the Fed has to just make it happen. In terms of operationally, it means that they have to do some purchases now and then they call their, I mean the new name they have for these are reserve management. Purchases. So it’s really about operations. It’s not about, but it does mean they’re purchasing assets. So if you’re just focused on like the Fed’s purchasing assets, they’re putting liquidity into the system. Yes, they are doing that, but it’s not with the intent to kind of push the economy to run harder. It’s just enough liquidity to keep. The federal funds rate stable at the level that they wanted to be at, to just make sure that all these operations are short in the very short term lending markets amongst banks, that it’s all kind of working as mm-hmm. As it should be. So it’s more about operations and it’s about stimulus policy. Right. A lot of our, um, a lot of our listeners are real estate owners, investors, and they’re, you know, they think about, um. Mortgage rates and that kind of thing. There was recently a, a pretty significant, well, I don’t know how significant it really was. I think it was about, was it maybe $250 billion worth of mortgage backed securities purchased by Fannie Mae. Um, that ca can you talk about the purpose of that and really the, you know, what kind of effect that would actually, we could actually expect from that. It’s certainly been, I mean it’s, it is clear. You know, we talked about one reason that the administration would want interest rates down. It’d be like financing the deficit. Right. Another reason that very much pulls into kind of the affordability debate is we want interest rates lower, one of them lower for consumers. Now the White House has put a lot of pressure on the Fed for them to lower rates even faster than they have. Has not played ball with that. But then the Fed has lowered its rates. The Feds rates are very short term rates, and the federal funds rate is like an overnight rate with between banks. Right. So it, and it has an effect on, you know. Credit card rates, short term rates, but it’s not one, it, it has an effect, but it’s really not like driving necessarily 30 year mortgage rates or you know, some of the longer term rates. There’s a lot of other factors that go into that, and so in this kind of, you know, push for lower mortgage rates. Pushing on the Fed is not the only lever to pull, right? The administration has other levers that they could potentially pull, um, in trying to influence mortgage rates. Now, there, I’d argue the administration’s tools here, like the, the $200 billion, Fannie and Freddie purchase that you mentioned. That really is about trying to reduce the spread. Between mortgages and treasuries. So in some ways it sounds similar, like, oh, fed and Franny, which are, you know, GSEs. So part, part of the, you know, government right now, at least they were privatized during the global financial crisis. You think, oh, they’re going out and purchasing this Sounds a lot like the Fed going out and purchasing. There are there, there’s some parallels, but we need to remember, Fannie and Freddie don’t create money. The Fed, when they start, when they start the process of their quantitative easing, they’re creating reserves like they’re actually creating liquidity and money supply. Fannie and Freddie have authorization to be able to make these purchases, but they’re not like the fed. They’re not creating reserves, but they can, so I don’t wanna think about them like bringing down the whole set of interest rates, but they can affect this spread between mortgages and say treasuries. Right? And so, because again, if you’re, if the. If the GSEs are going out, they’re purchasing mortgage backed securities, well that’s increasing demand for those, and that can push down the rates, that can like squeeze that spread. And, and while the announcement has been made, you know, I mean they’re, they’re in the early stages of putting that in place, but we even on the announcements, saw a response in financial markets and you’re seeing some movement down, uh, in mortgage rates now. It was. Pretty modest, right? And, and 200 billion while, you know, not nothing, uh, really pales in comparison to like the scale of say, the quantitative easing that the Fed did. Um, and there are probably other, but the, you know, the administration’s not done. It doesn’t necessarily have to be that Fannie and Freddie do more purchases. The the spread between mortgage rates and treasuries is pretty substantial. There’s other places where, you know, the fees that go into getting a mortgage are quite a bit larger than they were before the, the global financial crisis. So maybe they go in and try to chip away at the fees and, you know, so there’s, there’s different levers. And I fully expect, and I think we’re gonna get some announcements here again soon on the White Houses. Housing affordability agenda. So there may be other, other ways that they’re trying to, uh, influence, uh, the mortgage spreads. But that’s, that’s what that is all about. And it, it should have, and it looks like, you know, it’s having some effect in terms of bringing rates down, but it likely, it’d be modest, like in the 10 basis points, maybe 20 if they ramp up the program some. But like, it, you know, it’s, it, it, you know, every, every bit counts. But this is not a. Uh, this won’t be enough to, you know, move rates down, dramatic mortgage rates down dramatically, uh, when you, when you look at the economy. Um, and I, I, I think just, you know, one last question. I mean, I just in terms of, you know, the people listening to this are. They’re, they’re people, you know, with jobs and who are trying to invest their money, and they’re trying to, you know, build long-term wealth, but they’re, you know, everybody’s worried about what’s happening with the economy. What, what, what do you think, like, just as, um, um, you know, perspective for people to understand or try to have some framework for how to look at what’s going on in the economy. How they should judge it. Like what would you suggest, like just for mom and pop investors trying to, what is happening with the economy? I’m not an economist. What, what are the, what are the things that you think they should consider studying up on, looking into a little bit? One challenge for a lot of investors, I mean, frankly, it’s, it’s been a challenge that I try to deal with too. Uh, we’re, we’re in an environment where there’s just. There’s so much news coming out of DC uh, with the White House and policies and the Fed, and you know, I mean, like, there’s just, there’s a lot. The headlines are big. And like I talked about with the tariffs, we had like really big tariff announcements. The really scary numbers were, and then it like dialed back and then we pushed through it and it’s like, and it’s this remembering that, um. There’s always a tendency to have this idea that the, the president really runs the economy. I mean, that’s not just about this administration. That’s like a longstanding, you know, the president gets, uh, blame or credit for the economy when really, right. Like we have a over 33, $30 trillion economy, hundreds of millions of workers, tens of millions of businesses. Like this is not about one administration. And so we always need to be careful about. Putting too much weight on the policies coming out of dc. Uh, and you know, last year if you really just listened to all the, you know, we’re cutting immigration, we’re raising tariffs, we’re doing, you know, all, there’s a lot of uncertainty in Doge. Well then you might have missed, like, there’s a bunch of AI investment happening and we’ve got a lot of growth in the economy and while consumers are still pretty resilient, so you, it’s kind of like. Tuning down the volume, some coming out of Washington, especially the like every twist and turn. Uh, and then kind of focusing in on the fundamentals. I will say, you know, you don’t wanna turn down DC too far because we, we do have some like big picture events that could play out over many years. Right. So kind of keeping an eye on it, but for the long game. As opposed to reacting to every twist and turn, every policy announcement, because a lot of this clearly is more of a negotiation than it is like, we’re gonna actually do this. So, you know, as investors, you don’t wanna get whipped around by the latest headline, but you also can’t put your head in the sand. Like you gotta kind of try and find a way to pull the signal out of the noise. And it is really. It’s really hard. Yeah. Like this has been a challenging time and the, the US economy’s been doing things that are not typical. We talked about some of the things with the labor market and we are running some policy experiments that haven’t been run in a long time, so things could change pretty dramatically. But I think it’s just trying to absorb the information, not get too wound up about it, but like also keep an eye on like what’s good for long-term growth. Yeah. Because it’s good for long-term productivity. Thank you so much Dr. Sahm. It’s uh, it’s been a pleasure talking to you on, uh, wealth Formula Podcast today. Great. Thank you so much. You make a lot of money but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concept. Here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealthformulabanking.com. Welcome back to the show everyone. Hope you enjoyed it. It was Claudia Sahm. She is, uh, she’s a very, very smart lady. And, uh, just a reminder, if you have not done so, uh, I, I don’t frequently ask to do, do this, but, uh, make sure you give the show. Five stars and a positive review because that’s how we’re getting, you know, really high quality people like Claudia on the show, I’ve been around for a long time. It helps that the show is, you know, like over a decade old and all that stuff too. But, uh, anything you can do to support would be very helpful. And also one more reminder, uh, if you have not done so and you weren’t a credit investor, make sure you sign up for that investor club. At Wealth formula.com. That’s it for me. This week on Wealth Formula Podcast. This is about Joffrey signing out. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheelwright and Ken m. Visit wealthformularoadmap.com.
Today I'm joined by Brian Hoang, CEO of Mia. We dive into why dealerships are moving beyond fragmented SaaS tools toward AI-native platforms that automate real work, not just conversations. Brian explains why consolidation is inevitable, and how dealers are already driving real revenue by offloading high-volume service tasks. We also get into where most dealers go wrong with AI adoption—and what separates winners from noise heading into 2026. This episode is brought to you by: 1. Uber for Business - If you're headed to NADA, you already know that dealership operations are complex. Uber for Business helps make them simple by streamlining operations, improving CSI scores and keeping parts moving—all while delivering a better customer experience. Visit Uber for Business at NADA at Booth #7944N and get started @ https://businesses.uber.com/CDG. 2. CNA National - CNA National is the premier F&I provider for dealerships nationwide. With more than four decades in the industry, we've earned a reputation for service excellence. Plus, we are backed by one of the largest insurers in the U.S. If you are looking for stability, consistency and experience, look no further than CNA National. Register for your commitment-free F&I profitability analysis by visiting @ https://www.cnanational.com/NADA. 3. Mia - Your 24/7 AI receptionist who speaks like a human, not a robot. No more "press 1" - just natural conversations for sales, service, and support. She handles everything from car shopping to appointment scheduling in multiple languages, while integrating with your systems. Never miss another lead. Learn more @ https://www.mia.inc Check out Car Dealership Guy's stuff: For dealers: CDG Circles ➤ https://cdgcircles.com/ Industry job board ➤ http://jobs.dealershipguy.com Dealership recruiting ➤ http://www.cdgrecruiting.com Fix your dealership's social media ➤ http://www.trynomad.co Request to be a podcast guest ➤ http://www.cdgguest.com For industry vendors: Advertise with Car Dealership Guy ➤ http://www.cdgpartner.com Industry job board ➤ http://jobs.dealershipguy.com Request to be a podcast guest ➤ http://www.cdgguest.com Topics: 03:19 Why was "Mia" created? 05:35 How can dealership tech be simpler? 08:26 How does AI help dealerships? 13:33 What are "Mia's" plans? 27:01 What are some success stories? 33:27 What is the future for "Mia"? Car Dealership Guy Socials: X ➤ x.com/GuyDealership Instagram ➤ instagram.com/cardealershipguy/ TikTok ➤ tiktok.com/@guydealership LinkedIn ➤ linkedin.com/company/cardealershipguy Threads ➤ threads.net/@cardealershipguy Facebook ➤ facebook.com/profile.php?id=100077402857683 Everything else ➤ dealershipguy.com
Live events should be the fastest way to create customers, business builders, and momentum.So why do so many events feel inspiring in the room…but fall completely flat when it comes to conversion?In this episode, Emily breaks down the real reasons live events don't convert—and it has nothing to do with energy, excitement, or how “motivated” your audience feels when they leave.You'll learn: • Why inspiration without structure creates emotional highs—but no action • The biggest mistake most leaders make when they expect events to “sell for them” • How unclear messaging quietly kills momentum after the event ends • The difference between connection and conversion (and why you need both) • What must be in place before, during, and after an event for people to actually say yesIf you've ever hosted or attended a live event that felt powerful—but didn't translate into sign-ups, sales, or growth—this episode will change how you think about events forever.This isn't about hype.It's about systems, clarity, and leadership.Press play if you're ready to turn live experiences into real results.Enjoy,XOXO Emily Want to ask me a question about something you're learning here on the podcast? I do free live calls every Tuesday and Thursday and I'd love to talk to you there! Click the link to register below and I'll see you there:https://emilygibsoncoaching.as.me/free-training?template=monthly&field:14540704=emailJoin my FREE Facebook Group here: https://www.facebook.com/share/g/ReCojKBctwCEAr4v/?mibextid=K35XfP
Summary In this episode bvc of Essential Ingredients, Justine Reichman speaks with Cindy Anderson, founder of Manny's Choice, about her journey in creating gluten-free products based on European heritage wheat. Cindy shares her personal health challenges, including a battle with breast cancer and gluten intolerance, which inspired her to seek clean, nutritious ingredients. The conversation explores the importance of community support for entrepreneurs, the future of clean eating, and the challenges of sustainable packaging in the food industry. Cindy emphasizes the need for transparency in food sourcing and the growing trend towards health-conscious consumer choices. Takeaways Cindy's journey began with a personal health crisis. The concept of 'good gluten' is based on European heritage wheat. Clean ingredients are essential for health and wellness. Community support is vital for entrepreneurs. Perseverance is key in overcoming business challenges. Listening to your instincts can guide decision-making. The food industry is moving towards clean and sustainable practices. Cindy emphasizes the importance of transparency in food sourcing. Future trends will focus on health-conscious consumers. Manny's Choice is expanding its product line to meet consumer needs. Sound bites "I can't pronounce half of these things." "Believe in your instincts." "I need the CPG community." "Clean eating is going to be the big trend." "We have a special 10% off everything." Chapters 00:00 Introduction to Essential Ingredients Podcast 00:24 Meet Cindy Anderson and Manny's Choice 01:19 The Concept of 'Good Gluten' and Its Origins 02:46 Cindy's Personal Journey with Health and Nutrition 06:00 The Challenges of Finding Clean Ingredients 10:12 Lessons for Aspiring Founders 12:33 The Importance of Community in Business 17:01 Future Trends in Clean Eating and Food Innovation 20:10 Sustainability in Packaging and Business Practices 22:21 Upcoming Products and Innovations from Manny's Choice Keywords Manny's Choice, gluten-free, clean eating, food innovation, sustainability, health, nutrition, entrepreneurship, community, European wheat
Feb 2, 2026 – On today's edition of the Lifetime Planning segment on the Financial Sense Newshour, Jim Puplava welcomes Jennifer Stevens from International Living to talk about their newly released Best Places to Retire in 2026...
For the resources and links mentioned, go to: https://simplysquaredaway.com/154 What happens when the life you worked so hard to build no longer fits and everything falls apart anyway? In this episode, I'm sitting down with Tara Hunter, internationally renowned business and mindset coach, bestselling author, and host of the Thrive in Life and Business podcast, for one of the most vulnerable and powerful conversations we've ever had on the show. Tara opens up about what it really looked like to hit rock bottom after leaving her marriage, walking away from a life that looked perfect on the outside, and realizing she wasn't thriving, she was surviving. We talk candidly about depression, rebuilding trust in yourself, and the moment she decided she was done letting life happen to her and instead committed to creating the biggest comeback of her life. From there, we dive deep into how a cluttered mind impacts your results, why most people sabotage themselves in the first waking hour of the day, and exactly how Tara uses simple mindset practices like journaling, brain dumps, and intentional focus to rebuild clarity, confidence, and momentum in her business. This episode is honest, raw, hopeful, and deeply practical. If you've ever felt stuck, overwhelmed, or like you've lost yourself somewhere along the way, this conversation will remind you that it's not over and you get to decide what comes next. What you'll learn in this episode: What thriving actually means and why you get to define it How to recognize when you're surviving instead of living Why your first waking hour matters more than you think How to declutter your mind when everything feels overwhelming Tara's simple journaling and mindset routine that changed everything Why brain dumps work and how to do them correctly How to rebuild confidence after hitting rock bottom The power of one decision and why nobody is coming to save you How to prioritize goals without trying to do everything at once
Kay Rawlins didn't just follow a calling, she helped transform a city. In this episode, Allison sits down with Kay Rawlins, co-founder of Orlando City and Orlando Pride and Senior Vice President & Club Ambassador, to unpack what it really takes to build something from the ground up, earn community buy-in, and lead with confidence in rooms that underestimate you.Kay shares her unconventional path from dropping out at 17, to owning preschools, to launching a professional soccer club that became a Central Florida institution. They talk about building “the plane while flying it,” guerrilla marketing and community advocates, why women must be over-prepared (for now), and how finding your tribe can carry you through the hardest seasons. Plus: Kay's mentorship philosophy, the power of boundaries, and the simple shift that changes how we check in on people.Connect with Kay Rawlins on LinkedIn
As social media seems to descend into a dystopia of tech overlords dominating algorithms, our attention, and our self-esteem, it's worth asking: should we really stay on these platforms... and why???KP Pilley — the social strategist behind the popular "Nine Grid" offer — joins me to talk about taking your power back on social media, building ethical content worlds, and making it stupid-easy for people to hire you without posting 30 Reels a month.Themes from the episode:The Nine Grid: Your Digital Bulletin Board (Not Your Full-Time Job: Instagram's become this weird proof-of-existence thing, but the nine grid lets you treat your profile like a coffee shop bulletin board — nine strategic posts, then peace TF out. You don't need to live there 24/7 to run a successful business.Instagram's Chokehold on Our Worthiness: Let's be honest, Meta is making money off our insecurities. KP and I discuss how to use the platform on your terms and drive people to owned media where Zuck can't deplatform you for posting a caption with the word "sex" in it.Pain Point Marketing Is Dead: That girl boss panic-inducing marketing where you scare people into buying? It attracts nightmare clients who feel buyer's remorse the next morning. Real marketing talks to someone's most regulated self, not their freaked-out swipe-my-credit-card-at-midnight self.Your Editorial Stance Beats Any Algorithm: When you have a clear worldview, content becomes easier because you're not trying to rage-bait —you're just showing up as yourself.Relationship Marketing Isn't Transactional (And That's the Point): Orbit jumping and showing up in people's worlds doesn't always result in immediate sales, and that's okay — sometimes you're just planting seeds or having a good conversation.If you're ready to ditch performative posting and build a presence rooted in your values (not Adam Mosseri's latest metric), connect with KP for more resources — and maybe even a social media presence that finally feels like you.Connect with KP:WebsiteInstagramContent Constellation Waitlist (aka the Supernova is a thinking lab for visionaries building frameworks that transcend algorithms. Through salon-style conversations & deep research sessions, you'll craft a school of thought that people recognize instantly. Enroll HERE. Your mind needs a room for its depth. Supernova is THAT rooConnect with Chelsea:
This week on Catalyst, Tammy Soares speaks with Prashant Hinge, Chief Information and Transformation Officer at MSIG USA. Prashant has been working in the insurance industry for 20 years and is an expert at building teams to create solutions that improve the user experience. Prashant discusses the importance of unlearning siloed ways of working in order to unlock collaborative and cross-functional creativity, a skill that's especially important in the insurance industry. He also explains why in the current world of AI, we all need to become triathletes - meaning we now need to understand the business, need to know basic AI tools and need to develop core skills. He also talks about the opportunities that AI is unlocking for the insurance industry and how change management and ensuring you have good processes, data and people is key in ensuring success at scale. Please note that the views expressed may not necessarily be those of NTT DATA Links: Prashant Hinge State of AI in Business in 2025 Learn more about Launch by NTT DATASee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
In this episode of Set Lusting Bruce, host Jesse Jackson welcomes Mike Gendler to discuss the world of tribute bands, podcasting, and their shared love for Bruce Springsteen. Mike, a lifelong musician and entrepreneur, shares his journey from playing the piano and drums in his Philadelphia home to founding a successful entertainment company and starting the Tribute Band Sessions podcast. Learn about Mike's unique experiences, such as playing at a private party for Pink Floyd and the nuances of recreating the authentic sounds of iconic bands. They also delve into why tribute bands have gained popularity and the importance of both musical fidelity and live performance energy. Tune in for engaging stories and insightful discussions on the art of tribute bands. 00:00 Introduction and Guest Welcome 00:39 Mike's Musical Journey 02:49 Early Career Highlights 04:18 Family Influence and Musical Inspirations 08:48 Tribute Bands and Podcasting 09:31 The Business of Tribute Bands 19:03 Surprising Moments and Celebrity Encounters 22:00 The Passion of Rock Stars 23:07 The Popularity of Tribute Bands 24:32 Setting Up the Perfect Set List 28:10 Mimicking the Original Band 33:17 Bruce Springsteen Stories 39:31 Final Thoughts and The Mary Question Learn more about your ad choices. Visit megaphone.fm/adchoices
Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/Our most successful credit heroes don't just fix credit, they put it to work.Star Ericka, founder of The Millionaire's Table and author of Millionaire Secrets, shows how she turned her own credit journey into a thriving business.In this episode, we talk about how she transformed her credit challenges into a real business, what most people get wrong about using credit to build wealth, and how she helps her clients go beyond good credit to actually make money with it. We also cover business funding. If you've ever wondered what's possible after credit repair, this episode will open your eyes.Tune in!P.S. Join the #1 event to grow your credit repair business: http://creditrepairexpo.com/Key Takeaways:00:00:00 Intro00:01:33 From Credit Struggles to Millionaire00:09:48 Expanding Into Education and Business Funding00:15:16 How to Scale Past 100 Clients00:26:37 How Ericka Built Her Audience00:35:04 Ericka's Best Credit Repair Strategies00:38:23 Client Success Stories00:46:26 Advice for Aspiring Credit Heroes00:48:05 Rapid Fire Questions00:50:24 OutroAdditional Resources:Check out Ericka's Business: https://www.themillionairetable.com/Check out The Millionaire Table Academy: https://themillionairetableacademy.com/Get a free trial to Credit Repair CloudGet my free credit repair trainingHow Patrice English Built a Million-Dollar Credit Repair Business from NOTHINGMake sure to subscribe so you stay up to date with our latest episodes.
The Thinklings Podcast — Episode 282 The Thinklings Podcast — Episode 282 Huswifery and Holy Imagination Welcome to Episode 282 of The Thinklings Podcast! In this episode, the Thinklings begin with Books & Business before Josh leads a discussion on “Huswifery” by Edward Taylor. Together, they explore how Taylor's poetic imagery helps shape a biblical imagination—drawing connections between craftsmanship, sanctification, and the Christian life. Thanks for tuning in to this week's conversation!
Precision over guesswork. In today's episode, Kevin and Alan break down what it really takes to build consistent progress in your health, habits, and personal discipline. They challenge common fitness myths, explain why most people stall out, and show how small daily choices quietly shape long-term results. This conversation focuses on structure, standards, and self-leadership. You will learn how to think in systems instead of shortcuts, how to measure what actually matters, and how to stay focused when motivation fades.If you are serious about weight loss, performance, and building a body and mindset you can rely on, this episode delivers practical clarity without hype. Stop hoping for change. Start operating with intention.____________________Resource Mentioned:WolframAlpha: Data Without the Guesswork - https://www.wolframalpha.com/____________________Learn more about:Track the Work. Earn the Results. To know more about the Next Level Fitness Accountability Group or get directly connected via Instagram:Kevin: https://www.instagram.com/neverquitkid/Alan: https://www.instagram.com/alazaros88/Your first 30-minute “Business Breakthrough Session” call with Alan is FREE. This call is designed to help you identify bottlenecks and build a clear plan for your next level. - https://calendly.com/alanlazaros/30-minute-breakthrough-session_______________________NLU is not just a podcast; it's a gateway to a wealth of resources designed to help you achieve your goals and dreams. From our Next Level Dreamliner to our Group Coaching, we offer a variety of tools and communities to support your personal development journey.For more information, check out our website and socials using the links below.
Crypto News: Banks and Crypto industry met at the White House today to discuss stablecoin yield and clarity act. Binance buys dip with first $100M Bitcoin purchase from $1B SAFU fund. A metric tracking the health of the US economy has just posted its highest monthly score since August 2022, and crypto analysts say it could signal a turnaround for Bitcoin.Brought to you by
Dave Weisberger, Author of the upcoming book Million Dollar Fratboys! & Co-Founder of Coinroutes, joined me to discuss the crypto market conditions and if Bitcoin and Altcoins will recover. Recorded 1/20/26Topics: - Crypto market outlook - are we in a bear market? Have the Bitcoin 4 year cycles been broken? - Crypto adoption by TradFi institutions - Crypto market structure legislation - Trump Coin and Memecoins - Tokenization market Brought to you by
Creative teams struggle with approval bottlenecks and manual handoffs. Christine Royston, CMO at Wrike, explains how workflow management platforms eliminate these friction points through intelligent orchestration. Her team built automated approval routing that assigns specific reviewers based on asset type, sets clear turnaround times, and routes requests to backup approvers when primary contacts are unavailable. The system centralizes all feedback and approvals within a single platform, preventing conflicting input and reducing project delays.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
325 - What if the thing you think will finally make you feel secure, confident, or successful… doesn't? In this episode, we unpack why “getting there” rarely feels the way you expect — and what actually creates the feelings you're chasing.What to Listen ForWhy “there” always feels better than “here”The feeling you think money will give youWhy success excitement fades fastIdentity versus strategy in business growthWhat photographers are really chasingHow goals quietly create anxietyWhy confidence doesn't come from arrivalThe danger of checklist dependencyHow obstacles build invisible equityThe question that changes everythingSuccess doesn't feel better because of the number attached to it. It feels better when your identity catches up. Tune in to rethink what you think you want and why that matters right now.Learn More About Elevate: https://flourishacademy.mykajabi.com/elevateSign up for Elevate now before price doubles on February 1st. Register here!JOIN THE PARTY: Connect with us on Instagram Explore valuable pet photography resources here Discover effective pricing and sales strategies for all portrait photographers. Ready to grow your business? Elevate helps you do just that. Check out our recommended gear and favorite books.
In this episode, Zach Loppnow, DVM, shared the results from a recent survey of early-career equine veterinarians conducted by the AAEP Early Career Committee in June 2025. Respondents were AAEP members who graduated from 2015-2024. Loppnow discussed some common pain points the survey revealed and other relevant insights.The Business of Practice podcast is brought to you by CareCredit.This information is shared solely for your convenience. You are urged to consult with your individual advisors with respect to any information presented.Business of Practice Podcast Hosts, Guests, and Links Episode 132:Hosts: Dr. Amy Grice and Carly Sisson (Digital Content Manager) of EquiManagement | Email Carly (csisson@equinenetwork.com) | Connect with Carly on LinkedInGuest: Zach Loppnow, DVMPodcast Website: The Business of Practice
What if the reason you haven't reached your next level isn't strategy — but subconscious programming? So many driven leaders do "all the right things," yet still feel stuck, unfulfilled, or disconnected from their purpose. The missing piece often lives beneath the surface. In this episode of The Business of You, we explore the powerful relationship between mindset, purpose, and success — and how rewriting the mental scripts formed early in life can radically change both your business and your personal fulfillment. Eli Bowman is a top-selling author, certified Aspire Tour Speaker, and 7-figure entrepreneur who scaled a startup to a multimillion-dollar valuation after transforming his own internal programming. As a certified expert in Neuro-Linguistic Programming (NLP), Eli helps leaders identify unconscious beliefs and replace them with empowering frameworks rooted in authenticity and intention. In this episode, Eli breaks down how subconscious conditioning shapes outcomes, how to move through deconstruction without getting stuck, and how you can begin rewriting your own program. Understanding the Programs That Run Your Life Eli explains how our earliest experiences shape unconscious beliefs that quietly dictate our decisions, behaviors, and tolerance for risk. From birth through early childhood, the brain is highly impressionable — absorbing messages about safety, success, and self-worth that often remain unexamined well into adulthood. For entrepreneurs and leaders, these hidden programs can show up as fear of failure, chronic self-doubt, or resistance to growth. By developing awareness and learning to observe these patterns without judgment, leaders gain the power to choose differently — rather than repeating inherited scripts. Through neuro-linguistic programming, Eli shows how becoming conscious of these internal patterns is the first step toward reclaiming agency and building a future aligned with who you truly are. The Path of Purpose: From Deconstruction to Impact Eli introduces his framework, The Path of Purpose, guiding listeners through four stages: conformity, deconstruction, enlightenment, and impact. While deconstruction can feel uncomfortable — even painful — Eli reframes it as a necessary foundation for authenticity and lasting fulfillment. Rather than identifying with being "broken" or perpetually healing, Eli encourages completion — acknowledging past conditioning, releasing it, and consciously choosing new beliefs. This shift allows leaders to move forward with clarity, confidence, and creative energy. When purpose becomes clear, impact naturally follows. Eli's journey shows that fulfillment isn't found by chasing success — it's found by aligning internal truth with external action. Enjoy this episode with Eli Bowman… Soundbytes 15:28 – 15:56 "In order to really shed borrowed values, we have to go through a deconstruction period where we take everything apart. This can be really painful. This could look like rock bottom. It could look like despair. No one wants to experience that, but sometimes rock bottom isn't a place where you arrive — it's a foundation upon which you can build. For me, rock bottom was necessary." 35:48 – 36:35 "We create as we speak. Here's the framework I would give someone. The self-talk that we participate in must be positive, uplifting, hopeful, edifying, and creative — not destructive, not critical of ourselves. The way we talk about ourselves to ourselves is so powerful and it directly affects our day-to-day life. We say the words, or think them, to ourselves. Our unconscious mind retains that. And our unconscious mind is responsible for the patterns we live, day to day." Quotes "Rock bottom isn't where you end — it's where you rebuild." "We create as we speak." "Borrowed beliefs will always limit authentic success." "Your purpose is found when you choose who you are — not who you were told to be." Links mentioned in this episode: From Our Guest Website: https://elibowman.com/ Connect with Eli Bowman on LinkedIn: https://www.linkedin.com/in/elibowman Facebook: https://facebook.com/eliotbowman Twitter/X: https://twitter.com/elibowman Instagram: https://instagram.com/eli.bowman Connect with brandiD Find out how top leaders are increasing their authority, impact, and income online. Listen to our private podcast, The Professional Presence Podcast: https://thebrandid.com/professional-presence-podcast Ready to elevate your digital presence with a powerful brand or website? Contact us here: https://thebrandid.com/contact-form/
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