Podcasts about Consumer

Consumer prices are never going to go back to where they were before the pandemic. This simple reason is they can't. You think that since they went up, they can just go right back down. That's not unlikely, it is impossible and I'm going to show you why with a very simple example. Now the implications of this economic fact are profound. In fact, it explains everything about the economy we have right now, from the labor market and the lack of jobs to, yes, affordability.  Eurodollar University's Money & Macro Analysis---------------------------------------------------------------------------------------------------------------------What if your gold could actually pay you every month… in MORE gold?That's exactly what Monetary Metals does. You still own your gold, fully insured in your name, but instead of sitting idle, it earns real yield paid in physical gold. No selling. No trading. Just more gold every month.Check it out here: https://monetary-metals.com/snider---------------------------------------------------------------------------------------------------------------------https://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

In this episode of Talking Sleep, host Dr. Seema Khosla welcomes three members of the World Sleep Society's consumer health technology task force—Dr. Michael Chee,  Professor and Director of the Center for Sleep and Cognition at the National University of Singapore who chaired the guideline-writing task force; Dr. Mathias Baumert, an associate professor leading the biomedical engineering discipline of the school of Electrical and Mechanical engineering at Adelaide University in Australia, and Dr. Cathy Goldstein, professor of neurology at the University of Michigan.  to discuss their global recommendations for the use of consumer sleep technology and wearable health trackers. Consumer wearables have become ubiquitous in clinical practice, with patients routinely sharing device data. While some clinicians have historically dismissed this information, attitudes are shifting as technology improves and rigorous research examines sensors, algorithms, and data quality. Dr. Chee explains that the recommendations are designed for multiple audiences: end-users, clinicians, researchers, and manufacturers, with specific guidance for each group. The conversation addresses practical considerations: the assumption that users have good perfusion, how bed partners can influence movement detection, and the fundamental truth that the best device is one patients will actually wear properly. The panel discusses recent FDA regulatory changes and clarifies whether guidance applies only to non-FDA cleared wellness devices or has broader implications. The experts systematically review various metrics from wearables. They introduce TATS (total attempted time in sleep) and explain what clinicians should know about sleep onset and offset detection. The episode emphasizes the call for standardized Fundamental Sleep Measures and greater transparency about test populations used in device validation. Dr. Baumert discusses the need to co-create benchmarks for measurement accuracy across different contexts—from persons with normal sleep to shift workers to those with sleep disorders. Whether you're skeptical about consumer wearables or seeking guidance on interpreting patient-generated data, this episode provides evidence-based recommendations for moving forward responsibly. Join us for this important discussion about embracing consumer sleep technology while maintaining clinical rigor.

Shoot us a Text.Episode #1257: Chinese automakers are taking real share in Europe, AI at NADA is growing up fast, and U.S. consumer confidence just hit a decade low. Chinese automakers just hit a milestone in Europe, capturing nearly one in 10 new-car sales. Fueled by competitive EVs and hybrids, strong battery tech, and rapid expansion, Chinese brands are moving from disruptors to serious incumbents across the continent.Chinese brands claimed 9.5% of Europe's total car market in December, a record share.Electrified vehicles are the growth engine, with Chinese automakers now holding 16% of Europe's EV and plug-in hybrid market, more than double last year.Europe's auto industry is under strain, with over 110,000 jobs lost in 18 months, as domestic brands face shrinking share at home and abroad.“The progression of Chinese cars in Europe is massive… It's a matter of survival for our industry,” said Roberto Vavassori, head of Italy's Anfia trade group.AI is everywhere in dealer tech talk, but 2026 is shaping up as the year it moves from buzzword to baseline. At NADA in Las Vegas, expect fewer “wow” moments and far more conversations about integration, maturity, and ROI.More than 40 AI-specific exhibitors are registered for NADA 2026, up from just 10 last year, with many more vendors baking AI into existing platforms.Expect AI centered on lead engagement, chat, marketing automation, inventory, pricing, service prediction and moreDealers are showing up with sharper questions, focusing on cost savings, productivity, and ROI, not shiny add-ons or disconnected tools.“Everybody has the same ice cream. It's just flavored a little bit different,” said Cox Automotive's Mo Zahabi, summing up what dealers should expect on the floor.America's economic mood just took a sharp turn south. Consumer confidence fell to its lowest level in more than a decade in January, with households rattled by rising prices, job anxiety, and geopolitical noise—setting up an uneasy backdrop for spending as 2026 gets underway.The Consumer Confidence Index dropped to 84.5, its lowest reading since 2014 and well below economist expectations, signaling broad-based unease.Inflation remains front and center, with consumers citing food, gas, electricity, insurance costs, and tariffs as top concerns.“The K-shaped economy is great for the top 20%, but many middle-class Americans are barely keeping up,” said Heather Long, chief economist at Navy Federal Credit Union.This episode of the Automotive State of the Union is brought to you by Amazon Autos: Meet customers where they shop: Join Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

What if your 11% success rate means you're absolutely crushing it? In this episode, Paul Kirchoff shares how he helps small growth businesses and their leaders accelerate success through EPX Global, a breakthrough AI-centric acceleration platform and ecosystem. As an avid entrepreneur, investor, and global adventurer, Paul is the founder and CEO of EPX Global, where members around the world drive faster business success, max out amazing experiences, and push individual performance to new levels. Paul is also the Founder and CEO of DominoOne, an impact accelerator and crowdsourced problem-solving platform. Paul built two marketing software/agency companies and multi-billion dollar business units at Dell Computer Corporation as an early employee. He's a member of the 113-year-old Explorers Club, DJs electronic music, wrote a corporate thriller novel (giving proceeds to cancer research), and made a film about racism. Paul is developing frontier-level expertise in operationalizing artificial intelligence across the enterprise in every department. Paul reveals two relationships that transformed him in ways nobody has ever answered this question before: a Mongolian eagle hunter he met in the far eastern corner of Mongolia, an older gentleman who had zero knowledge of America, spoke no English, and lived in a yurt with horses and golden eagles as pets, teaching Paul about authentic human connection beyond labels and systems, which became the core culture he built into his technology platform where single moms are valued equally with astronauts; and a police officer who arrested him at 32 after a casual happy hour (though Paul was sober), leading to community service at a center for the deaf and blind where he spent weeks rewinding VHS tapes while listening to thought leaders teach cutting-edge SEO and digital marketing, which gave him the advanced knowledge to start his marketing agency that became successful and sold 13 years later, ultimately leading to his trip to Mongolia and the realization he needed to build EPX Global.   [00:04:00] What Paul Does at EPX Global Tech veteran CEO with many startups, sold companies, shut down companies Early employee at Dell Computer Corporation before anyone in Austin knew who Michael Dell was Built EPX Global as AI-centric ecosystem for small growth businesses and their leaders Heavy artificial intelligence expertise helping companies accelerate success, health, and experiences [00:05:00] Making Everything Go Faster Helps accelerate time to best performance unique to genetics on health side Helps companies accelerate success with AI, connections, and knowledge Makes sure people don't forget to dance under the Milky Way because life is short [00:06:00] Living in Service of Others Used to be financial goals and status symbols when younger, none of that matters now Addicted to a blank sheet of paper, gifted to solve or invent anything Respect for fellow humans (all a unit of one on their own unique journey) Living in service of others by replicating himself with technology [00:07:00] Building a Top Marketing Agency Built and sold one of top demand generation agencies in world Controlled front page of Google, Facebook called asking how they converted traffic Always on cutting edge of deploying technology in marketing (technical + psychology) [00:08:20] AI Systems for Every Business Size Wanted to build AI systems for small businesses (missing factor for 10x resources) Also doing business transformation consulting for billion-dollar companies Helping bigger companies go from where they are to AI-first operations [00:09:20] The 60% Revenue Increase Every Month Networking ecosystem connects people to solutions for health, happiness, business, capital People battling depression got connected to biohacking guys, transformed their lives One client company 60-70% higher revenue every single month with zero change to headcount [00:11:00] Being the X Factor AI systems deployed handle support, become AI salesperson, become AI marketing team Small businesses can grow beyond traditional chains with 10x resources All about being X factor in people's lives or facilitating X factor with someone else [00:14:00] The 11% Success Rate Discovery Expert guest on platform said his success rate is 14% (very successful guy) Paul did the math on his own attempts, came out to 11% success rate Entrepreneurs put enormous pressure on themselves, need different perspective [00:16:00] Trust in an AI World Real meaningful relationships becoming more and more valuable with AI Building networking assistant governed by user (uses your reasoning to find value) Human connection and that magnetic field around our hearts makes us who we are [00:19:40] When Social Media Became Entertainment Facebook, Instagram, TikTok devolved into micro entertainment channels (not networking) Feeds filled with ads and sponsored posts, no actual networking EPX Global has no ads, every connection based on merit of what you want [00:20:20] Photorealistic Fake Content AI video (Sora, Veo) can create photorealistic content that's completely fake Consumer backlash coming for authenticity in connections Business will embrace AI efficiency (hyper-efficient usually wins) [00:23:00] Two People, No Names Never anyone Paul looks up to or admires or wants to be like who affected his life Been blessed to meet incredible people (Pope, Richard Branson's Island, etc.) Two people come to mind that transformed everything Both people Paul has no idea where they are or their names [00:24:20] Far Eastern Mongolia Was entrepreneur working 14 hours a day for decade plus, one-trick pony success Knew needed to desperately change something, chose adventure Took group to far eastern corner of Mongolia to ride horses with eagle hunters Met older gentleman in yurt who had zero knowledge of America or United States [00:25:40] The Man with Golden Eagles Man spoke zero English, wore fox neck tie, had pet golden eagles (40 pounds) Paul realized this is furthest from his life as tech guy (opposite side of life) Both excited to meet each other as new friends with zero in common [00:27:00] Single Moms and Astronauts Brought that spiritualness and core value into network he built Despite super achievers (swimming oceans, skiing Everest, gold medals), none of that matters Single mom raising five good kids might be more impressive than astronaut [00:27:40] The Saturday Night Traffic Stop At 32, coming out of casual happy hour, got pulled over Told officer honestly: "I had two drinks over last hour, I'm clearly fine" Officer said he seemed like nice guy but made him do sobriety test Got arrested and taken downtown (was actually sober, officer kept saying he was nicest person) [00:28:40] Community Service for the Deaf and Blind Offered to do community service to get charge expunged Chose center for deaf and blind, job was rewinding VHS tapes in warehouse Asked supervisor if he could listen to music, supervisor said yes [00:29:20] SEO Lessons in His Ears Instead of music, put in thought leaders teaching SEO and digital marketing For weeks on end, hours a day, learning cutting-edge techniques from pioneers After that, was so advanced in knowledge that led to starting agency Agency became successful and powerful, sold it 13 years later [00:30:00] The Chain of Events If officer hadn't arrested him, wouldn't have had that learning experience Wouldn't have had confidence to start agency that got him burnt out Wouldn't have gone to Mongolia and realized need to build network [00:31:00] In the Canyon Before the Summit At the time was devastated, seemed horrible (younger without perspective) Now incredibly grateful it happened When in the canyon, you're about to go to the summit [00:32:20] When Identity Gets Wrapped Up Greatest risk to mental health is when identity tied to something other than happiness If identity wrapped up in labels (AI whisperer, top guy), devastated when things go wrong Separate identity from accomplishments to stomach any ups and downs [00:38:00] The Leader in the Back AI exercise: meditate on what you look like as future leader Paul's image: crowd moving down valley, Paul in the back (slightly bigger) Leader in back can move crowds (not showing off Maserati or boat) [00:39:00] A Multitude of Miracles However someone gets through life (good/bad parents, heartbreak, etc.) shapes them Everyone made it to this one moment in time (mathematically massive miracle) When you respect everyone like that, you operate without ability to judge or be judged [00:39:40] Operating Without Fear When you don't judge or feel judged, you operate without expectations Without expectations means without fear of future negative ramifications Can be yourself, be present, love everybody, still compete   KEY QUOTES "I did the math and my success rate is like 11%. And I feel like I'm fairly successful, right? I've learned to not really give a shit about what your definition of success is." - Paul Kirchoff "There's zero in common, zero knowledge about each other. And it was one of the most remarkable moments because it shows you this level of connection that's possible when you drop labels and systems and passports and everything else." - Paul Kirchoff "If that guy wouldn't have arrested me, I wouldn't have started an agency, wouldn't have gotten burnt out, wouldn't have gone to Mongolia, and wouldn't be on this call today." - Paul Kirchoff CONNECT WITH PAUL KIRCHOFF 

In this episode, Donny discusses the concept of branding as it applies to various aspects of society, including politics, immigration, consumer confidence, and media representation. He highlights the impact of ICE on immigrant communities, the shifting public opinion on immigration policies, and the importance of global protests for human rights. The conversation also touches on the current state of consumer confidence and crime rates, the Oscars and Hollywood's influence, music's cultural impact, LGBTQ+ representation in media, and controversies surrounding sports figures like Bill Belichick. Takeaways The impact of ICE on immigrant communities is profound and troubling. Public opinion is shifting against harsh immigration policies. Global protests highlight the need for human rights awareness. Consumer confidence is at a low, affecting economic outlook. Crime rates are decreasing, contrary to political narratives. Hollywood continues to shape cultural conversations through awards. Music can serve as a source of comfort during political turmoil. LGBTQ+ representation in media is crucial for visibility. Sports figures face scrutiny and controversy in public perception. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to Nerd Alert, a series of special episodes bridging the gap between marketing academia and practitioners. We're breaking down highly involved, complex research into plain language and takeaways any marketer can use.In this episode, Elena and Rob reveal how 84% of purchases are decided before shoppers even start looking... and why that changes everything about how you should invest in marketing.Topics covered: [01:00] "How Humans Decide: What Drives Consumer Choice and How Brands Should Respond"[02:00] The two stages of every purchase decision[04:00] Why 84% of purchases are already decided[06:00] Who's easy to influence (and who isn't)[07:00] The touchpoints that actually change behavior[08:00] Three moves to reach primed buyers  To learn more, visit marketingarchitects.com/podcast or subscribe to our newsletter at marketingarchitects.com/newsletter.  Resources: WPP Media & Oxford Saïd Business School, Marketing Faculty. (2025). How Humans Decide: What drives consumer choice, and how brands should respond. October 2025.  Get more research-backed marketing strategies by subscribing to The Marketing Architects on Apple Podcasts, Spotify, or wherever you listen to podcasts. 

To kick things off, can you share a bit about your journey and what led you to your role at CMX, and what experiences have shaped the way you think about omnichannel media today?CMX is known for turning consumer intent into action. Can you walk us through how your team uses precision and scale to thoughtfully connect brands with customers across the entire funnel?You often describe CMX's approach as fueling meaningful shopping experiences. Can you share a case study that illustrates how full-funnel strategies have driven measurable results for a brand or retail partner?From your vantage point, how are omnichannel media strategies evolving, and what should brands be doing today to ensure they're driving both brand growth and long-term performance in such a fragmented landscape?When you look ahead, what excites you most about the future of full-funnel media and the role CMX is playing in transforming how brands connect with consumers?

Sun Raghupathi is the CEO of Veda, the leading DeFi vault platform, enabling crypto applications, asset issuers, and protocols to build consumer-grade cross-chain yield products. Veda's technology already powers many of DeFi's largest vault products and power more than $4B in deposits. Sun is also the co-founder of Seven Seas Capital, a premier quantitative DeFi investment strategist, offering institutional-grade funds and non-custodial yield vaults through proven market making and risk-mitigated strategies. Prior to founding Veda and Seven Seas, Sun was the Head of Research and Development at Sommelier, a protocol for decentralized asset management specializing in actively managed vaults. In this conversation, we discuss:- Vaults 101 - Onchain yield is a killer use-case in crypto - DeFi infrastructure and yield products - The Problem With DeFi Yield Today - Veda's Architecture & Design Philosophy - Consumer-Grade DeFi - Why yield opportunities are increasingly cross-chain - The future of RWAs - The Law of Collateral Inheritance - How Veda approaches audits and security - How incentives are aligned across users, builders, and protocols VedaX: @veda_labsWebsite: www.veda.techTelegram: t.me/+GfI_iZQ6wsZlZWNhSun RaghupathiX: @sunandr_LinkedIn: Sunand Raghupathi---------------------------------------------------------------------------------This episode is brought to you by PrimeXBT.PrimeXBT offers a robust trading system for both beginners and professional traders that demand highly reliable market data and performance. Traders of all experience levels can easily design and customize layouts and widgets to best fit their trading style. PrimeXBT is always offering innovative products and professional trading conditions to all customers.  PrimeXBT is running an exclusive promotion for listeners of the podcast. After making your first deposit, 50% of that first deposit will be credited to your account as a bonus that can be used as additional collateral to open positions. Code: CRYPTONEWS50 This promotion is available for a month after activation. Click the link below: PrimeXBT x CRYPTONEWS50FollowApple PodcastsSpotifyAmazon MusicRSS FeedSee All

Ninety-four percent of businesses are less than 2 weeks away from running out of money and going out of business.    Consumer and business debt is at an all-time high.    There are tons of people who have applied for loans that have defaulted on other loans.    They've had to cut salaries, employees, and shut offices.    If you've been going through the struggle over the last couple of years, you're not alone and here's the great news.    You still have a chance to figure it out.    Doing battle with the challenges, deficient bank accounts, and clients who left you.   If you got a good fuckening from the Force of Average, and kept going, congratulations on staying on track despite it!!!!!!     Best part is, it gets easier.    You'll be prospering because you plowed through the struggle.    About the ReWire Podcast   The ReWire Podcast with Ryan Stewman – Dive into powerful insights as Ryan Stewman, the HardCore Closer, breaks down mental barriers and shares actionable steps to rewire your thoughts. Each episode is a fast-paced journey designed to reshape your mindset, align your actions, and guide you toward becoming the best version of yourself. Join in for a daily dose of real talk that empowers you to embrace change and unlock your full potential.    Learn how you can become a member of a powerful community consistently rewiring itself for success at ⁠⁠https://www.jointheapex.com/⁠⁠   Rise Above

We all know water is essential, but most of us don't stop to think about what's actually in the bottle. In this episode, we explore the subtle details that affect taste, hydration, and overall wellness, from mineral balance to carbonation levels, and why they matter more than you might think. It's not about perfection or overcomplicating your routine, it's about understanding what makes water truly work for your body.Whether you're curious about sparkling water, looking for healthier everyday choices, or just want a cleaner, better-tasting sip, this conversation gives you practical insights and fresh perspective. You'll walk away thinking differently about what's in your glass and how small changes can make a real impact on daily life.→ Check Out Loonen: http://www.loonen.com/kelly→ Leave Us A Voice Message! Topics Discussed:→ What is the best water for hydration?→ Why does water taste different in different places?→ How much carbonation should sparkling water have?→ Can sparkling water replace soda in your diet?→ How do I choose high-quality drinking water?Sponsored By: → Function | Own your health for $365 a year. That's a dollar a day. Learn more and join using my link. Visit https://www.functionhealth.com/bewellbykelly and use gift code BEWELL25 for a $25 credit toward your membership→ Timeline | Don't let another year go by feeling less than your best. Grab 30% off your first month of Mitopure Gummies at https://timeline.com/bewell30→ Fatty 15 | Fatty15 is on a mission to replenish your C15 levels and restore your long-term health. You can get an additional 15% off their 90-day subscription Starter Kit by going to https://fatty15.com/KELLY15 and using code KELLY15 at checkout.→ LMNT | Get a free 8-count Sample Pack of LMNT's most popular drink mix flavors with any purchase at https://drinklmnt.com/Kelly. Find your favorite LMNT flavor, or share with a friend.Timestamps: → 00:00:00 - Introduction→ 00:01:09 - Researching water → 00:05:01 - Water sourcing & glass bottles→ 00:07:35 - Dangers of plastic bottles→ 00:14:56 - United States water regulation → 00:20:56 - Water production → 00:24:15 - Toxic load → 00:32:18 - Water worries → 00:37:43 - Naming Loonen→ 00:39:21 - Loonen packaging → 00:41:20 - Brand strategy → 00:43:27 - Water tasting → 00:46:43 - Minerals your water needs → 00:48:27 - Sobriety → 00:52:01 - Alluminun can downfalls → 00:54:40 - Consumer research Further Links: → 346: How to Protect Your Family from Everyday Toxins | Lindsay DahlCheck Out Clara:→ IG: @sieg→ Check Out Loonen: http://www.loonen.com/kellyCheck Out Kelly:→ Instagram→

Silver and Gold – Still Going. Big week for earnings. Fed decision on Wednesday. Nat Gas price exploding higher. US Dollar drops hard over past few days. PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Warm-Up - What we learned from Davos - President Miyagi - tariffs on, tariffs off - January: stocks are trying to finish with gains - Small-caps flying - S&P  500: All-time highs going into earnings Markets - Silver and Gold - Still Going - Big week for earnings - Fed decision on Wednesday - Nat Gas price exploding - US Dollar drops hard over past few days Can't Keep Track Anymore -Trump has announced he is raising tariffs on South Korean imports to 25% after accusing Seoul of "not living up" to a trade deal reached last year. - In a post on social media, Trump said he would increase levies on South Korea from 15% across a range of products including automobiles, lumber, pharmaceuticals and "all other Reciprocal TARIFFS". - South Korea is planning on voting on the "agreement" with the US in February - KOSPI hits all-time high after being down 1% on the news - S. Korea President re-affirms their commitments Davos - 2026 - What we learned - Not much - Same bifurcated view of the world - Trump backed off the Greenland threats - Framework of a "deal" / "plan" - So, no tariffs - (Going to get a boy who cried wolf ....) Gold and Silver - Off to the races - Silver was up again in a big way Monday. Fell back down to earth (up 5% from up 15% earlier in the day - Hovering around $110 - that is impressive - parabolic move - GOLD! - Proving itself as a USD hedge and safety trade (Bitcoin in the dust) - Gold above $5,000 per ounce - - Plenty of reports that central banks are buying up| - USD weakness Economy - Still Strong - The US economy expanded in the third quarter by slightly more than initially reported, supported by stronger exports and a smaller drag from inventories. - Inflation-adjusted gross domestic product increased at a revised 4.4% annualized rate, the fastest in two years, according to Bureau of Economic Analysis data. - Consumer spending advanced at a 3.5% annualized pace last quarter, reflecting the fastest pace of outlays for services in three years, while spending on goods also accelerated from the previous quarter. Amazon - Trimming.... 30,000 jobs is plan - First half of that was in October and now trhery are laying off the remainder - CEO Jassey says that it is not financial of AI issues ---- Again - why so important to state that and make that a focal point? - Layoffs amount to 10% of the corporate workforce - Company still has 1.5 million employees Comeback? - Spirit Airlines is in talks with investment firm Castlelake for a potential takeover of the discount airline, CNBC has learned. - Remember, all started when Jetblue deal was blocked - Frontier tried - Spirit tried a few times to get head above water - nothing worked Booz Cancelled - Treasury Secretary Scott Bessent canceled department contracts with the consulting firm Booz Allen Hamilton, whose employee leaked President Donald Trump's tax records to The New York Times. - The department noted that between 2018 and 2020, Booz Allen employee Charles Edward Littlejohn “stole and leaked the confidential tax returns and return information of hundreds of thousands of taxpayers.” - Booz Allen Hamilton's stock price dropped by more than 10% on the heels of the Treasury Department's announcement. - Why does Booz have tax records in the first place? - Stock down 50% since end of 2024 Private Credit - BlackRock TCP Capital shares lower by 13% after it disclosed Friday night that net asset value declined approximately 19.0%; other private credit stocks falling in sympathy - The Company's net asset value per share as of December 31, 2025 to be between approximately $7.05 and $7.09, an anticipated decline of approximately 19.0% during the quarter ended December 31, 2025, compared to a net asset value per share of $8.71 as of September 30, 2025. - This decline is primarily driven by issuer-specific developments during the quarter. - The Company's net investment income per share to be between approximately $0.24 and $0.26 for the three months ended December 31, 2025. - Decliners: TCPC -13.40% OWL -3.07% ARES -3.30% KKR -2.08% BAM -0.41% CG -0.33% Zoom Communications - Valuation of Anthropic stake - The news is driving shares higher as analysts suggest ZM's $51 mln stake could now be worth between $2-$4 bln based on Anthropic's rumored $350 bln valuation, effectively acting as a "hidden gem" on its balance sheet. - From a fundamental perspective, the company's performance has also significantly improved, evidenced by its Q3 beat-and-raise report in late November where revenue rose 4.4% yr/yr to $1.23 bln. - This stronger financial performance is being driven by robust growth in the Enterprise segment, the rapid adoption of AI Companion features, and the scaling of adjacent growth businesses like Zoom Contact Center and Workvivo. - Consequently, the combination of high-margin operational rigor -- highlighted by a 41.2% non-GAAP operating margin -- and the massive unrealized gains from its AI investments has shifted investor sentiment firmly back toward growth. UNH and Health Stocks - DOWN 20% today - The administration's proposal (via the Centers for Medicare & Medicaid Services, or CMS) for Medicare Advantage reimbursement rates to rise by only 0.09% in 2027. This was far below Wall Street expectations of 4-6% (or higher), following a more generous ~5% increase for 2026. - The near-flat rate aims to improve payment accuracy, curb overbilling practices, and protect taxpayers, according to CMS statements, but it sparked widespread concerns about squeezed insurer margins, potential benefit cuts for seniors, reduced plan offerings, or market exits. - UnitedHealth has significant exposure to Medicare Advantage (roughly 30% of national enrollment), making it particularly vulnerable. The proposal, announced late Monday (January 26), led to a broader sell-off in health insurers: - - Humana (HUM) plunged over 20-21%. - - CVS Health (CVS) and Elevance Health (ELV) each dropped around 13-14%. Tech Earnings Microsoft (MSFT) Reports: Wednesday, January 28 (After Market Close) - Wall Street Expectations:  Earnings per share (EPS): about $3.86 and Revenue: about $80 billion - Growth: high teens year over year revenue growth - Investors are focused on Azure and broader cloud growth, particularly how much of that growth is coming from AI related demand. Microsoft has built a reputation for consistent execution, which also means expectations are high. The critical issues will be cloud growth sustainability, margin stability, and how aggressively management plans to keep spending on AI infrastructure. Meta Platforms (META) Reports: Wednesday, January 28 (After Market Close) - Wall Street Expectations:  EPS: about $8.15–$8.20 and Revenue: about $58–$59 billion - Growth: roughly 20–21% year over year revenue growth - Advertising remains the core driver, with AI driven ad targeting continuing to improve returns for advertisers. While topline growth expectations remain strong, investors are closely watching expense growth. The biggest question is whether rising AI and infrastructure spending can be managed without eroding margins or spooking investors, as Meta works through the next phase of its AI strategy. Tesla (TSLA) Reports: Wednesday, January 28 (After Market Close) - Wall Street Expectations:  EPS (non GAAP): about $0.40–$0.45 and Revenue: about $24.5–$25 billion - Trend: earnings expected to be sharply lower than a year ago - Tesla enters earnings with the weakest expectations among the major tech names this week. Vehicle deliveries declined year over year, and automotive margins remain under pressure. While the energy and services segments continue to grow, they are not yet large enough to offset slowing EV demand. - Investors will be far more focused on forward guidance than on the quarter itself—particularly updates on Full Self Driving, robotaxis, and the broader AI roadmap. Apple (AAPL) Reports: Thursday, January 29 (After Market Close) Wall Street Expectations -  EPS: about $2.65–$2.67 and Revenue: about $138 billion Growth: approximately 11–12% year over year revenue growth - This is Apple's most important quarter of the year. Expectations call for record revenue driven by the iPhone 17 cycle and continued Services growth. The focus will be on margins, China demand, and forward guidance—particularly how higher costs (memory prices and tariffs) may impact profitability. Apple typically beats expectations, but the stock reaction will hinge on what management says about growth beyond this quarter. Company Ticker Report Date Est. EPS Key Focus Area Microsoft MSFT Wed, Jan 28 (AMC) $3.92 Azure AI revenue growth & CapEx spending Meta Platforms META Wed, Jan 28 (AMC) $8.17 Ad monetization of AI & 2026 CapEx guidance Tesla TSLA Wed, Jan 28 (AMC) $0.45 Full Self-Driving (FSD) & Robotaxi updates Apple AAPL Thu, Jan 29 (AMC) Varies iPhone 17 demand & Apple Intelligence rollout ServiceNow NOW Wed, Jan 28 (AMC) $0.88 Enterprise AI software adoption rates IBM IBM Wed, Jan 28 (AMC) $4.28 Hybrid cloud and watsonx performance *AMC = After Market Close; EPS = Earnings Per Share (Consensus Estimates) Boeing - The company's airplane deliveries last year were the highest since 2018, helping drive revenue. Boeing brought in $23.9 billion in the last three months of 2025, a 57% increase over the same period in 2024 and topping analysts' expectations. Cash flow of $400 million was roughly double what Wall Street was expecting. - Boeing brought in $23.9 billion in the last three months of 2025, a 57% increase over the same period in 2024. The airplane manufacturer delivered 600 airplanes last year, up from 348 a year earlier. Another MoonShot - U.S. natural gas prices surged over 17% on Monday morning, climbing above $6 for the first time since late 2022. - It comes as Winter Storm Fern leaves hundreds of thousands without power and forces mass flight cancellations. - The National Weather Service has forecast wind chills as low as -50 degrees Fahrenheit (-45.56 degrees Celsius) across the eastern two-thirds of the U.S. this week. -Up 68% YTD - Nat gas is used in a whole lot of things - electrical grid 43% is fueled by Nat Gas Government - Not Again! - Seems like Dems are threatening a shutdown again - A partial U.S. government shutdown is set to begin on Friday, January 30, 2026. - The Senate is expected to vote on a funding package to avert this shutdown, with delays from a winter storm pushing initial votes to at least January 27, 2026 - The issue is being exacerbated with the ICE / Minnesota issues This is precious - Ex-finance minister Noda currently co-heads largest opposition party - He says that Japan unlikely to get international consent for intervention - Yen, bond selloff requires Japan to be in crisis mode, he says - Government must vow to restore fiscal discipline to end yen fall, Noda says - Japan must create environment allowing for steady BOJ rate hikes, he says - THIS shows us all that the whole thing with these guys/gals is all political. - NEVER EVER if he was in the role would he say anything like this.       Love the Show? Then how about a Donation? ANNOUNCING THE WINNER OF THE THE CLOSEST TO THE PIN CUP 2025 Winners will be getting great stuff like the new "OFFICIAL" DHUnplugged Shirt!     FED AND CRYPTO LIMERICKS   See this week's stock picks HERE Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter

Lemon Law lawyer Michelle Fonseca-Kamana discusses the seismic shifts in California lemon law—from the Supreme Court's decision in Rodriguez v. FCA US LLC (October 31, 2024) 17 Cal.5th 189 that effectively eliminated most used car claims, to the explosion in case filings (from 4,500 in 2015 to over 22,000 in 2023), to new legislative reforms under AB 1755 and SB 26 that impose strict timelines and mandatory pre-suit notice requirements.Michelle also shares how she pivoted from in-person networking to social media marketing during the pandemic, built a practice around one-way fee-shifting statutes, and navigates the asymmetric litigation battlefield against billion-dollar manufacturers.Highlights:Rodriguez v. FCA's impact on used-car protections: The Court limited manufacturer liability to certified pre-owned vehicles, leaving used-car buyers without recourse even when cars remain under manufacturer warranty.Why lemon law filings quintupled: Despite expectations that Rodriguez would reduce litigation, filings increased fivefold (2015-2023) due to declining vehicle quality, PI firm diversification, and political headwinds.New procedural requirements under AB 1755 and SB 26: Effective 2025, consumers must send pre-suit demand letters, wait 30 days, retain the vehicle, meet hard deadlines (one year after warranty expiration or six years from delivery), and navigate an "opt-in" system.One-way fee-shifting as equalizer: Song-Beverly allows consumers to bring claims without paying fees—manufacturers pay all costs if consumers prevail.Social media as practice-builder: Michelle built her practice through bilingual video content on Instagram, TikTok, and YouTube, generating clients and referrals without traditional marketing.Documentation mistakes: The biggest error is failing to keep itemized repair orders and contemporaneous complaints—gaps that become fatal under new requirements.Tune in for insights on asymmetric consumer litigation, the intersection of statutory interpretation and real-world consequences, and how procedural reforms quietly reshape substantive rights.

Thom Lambert (Mizzou Law) discusses the Trump II administration's new right antitrust regulators. Stay calm everyone, they just want the discretion to reward friends and punish enemies.Links:‘New Right' AntitrustNew Right vs. Conservative AntitrustThe Limits of Antitrust

When an organisation has lots of moving parts, coordination becomes a competitive advantage. Divisional rivalries, egos, "not invented here," and personal competition can quietly shred performance, while external shocks—regulatory changes, competitor M&A, natural disasters, and market movements—keep landing on your desk. The leader's job is to create solid alignment between what the company needs and what individuals actually do every day.  What is performance alignment and why does it matter in 2025-era organisations? Performance alignment is the tight fit between company direction and individual behaviour so the business operates like one smooth machine. Without alignment, internal friction beats you before the market does—teams compete instead of coordinate, priorities conflict, and effort gets wasted on "busy work" that looks active but doesn't move results. In post-pandemic business (2020–2025), this got harder: hybrid work increased miscommunication, supply chains became less predictable, and regulation shifts plus competitor consolidation raised complexity. In Japan, alignment can be strong once decisions land, but slower if consensus and cross-division coordination drags. In the US, execution can be fast, but priorities can splinter if each function runs its own agenda. In multinationals, the "moving parts" problem is amplified; in SMEs, a single misalignment can derail the whole plan. Do now: Write the one-line "main game" for this quarter and check every team goal against it.  How do vision and mission create alignment across divisions and teams? Vision and mission align performance by clarifying where you're going and what you will (and won't) do to get there. Vision is the window to a brighter future and the goals for where you want to be—and there's usually a macro company vision plus a unit-level vision that translates strategy into local execution. When teams can "juxtapose" their contribution to the enterprise vision, motivation rises because people can see how their work matters. Mission then adds operational clarity by defining purpose and boundaries, preventing scattergun activity. This is where big organisations often win: leaders at firms like Toyota or Unilever typically cascade strategy into unit-level execution targets; startups do it faster, but sometimes leave it implicit, which can cause drift as the company scales. Do now: Rewrite your unit vision in one sentence that shows exactly how it supports the enterprise vision.  How do shared values drive engagement and commitment (especially across cultures)? Shared values align performance because they act as the cultural glue that keeps behaviour consistent under pressure. Values aren't posters—they're the rules of the road for how decisions get made, how conflict gets handled, and what "good" looks like when nobody is watching. The hard truth is the personal value spectrum is extremely varied, so alignment doesn't happen by accident. Leaders have to make values explicit, visible, and reinforced through recognition and consequences. In Japan, values often support harmony and consistency, but can also discourage constructive challenge if not balanced. In the US, values may champion individual initiative, but can turn into silos if each team's "value" becomes their private religion. In both contexts, values determine whether people truly commit or just comply. Do now: Pick 3 values and define the observable behaviours that prove each one in meetings, customer work, and decision-making.  What is a position goal and how does it motivate teams to perform? A position goal aligns performance by giving teams a clear competitive target: where do we want to rank? That could mean market share dominance, profitability leadership, or rapid growth—inside your industry, sector, or even within your own global organisation. This is powerful because many teams feel isolated and assume their work doesn't make much difference. A visible ranking goal (top ten by revenue, number one in customer retention, highest NPS in the region) turns effort into identity and recognition. In large enterprises, position goals can be highly motivating because teams can see how they compare globally. In SMEs, position goals should be chosen carefully—too grand and they feel fake; too small and they don't inspire. Consumer sectors may chase share; B2B may prioritise margin and renewal stability. Do now: Choose one position goal for 2026 and define the single metric that proves it.  How do KRAs, standards, and activities translate strategy into daily execution? KRAs, standards, and activities align performance by turning "strategy" into measurable work that gets done consistently. Key Result Areas (KRAs) identify where results must be achieved and what matters most; constant measurement and broadcasting keeps focus. Performance standards then create objectivity—use frameworks like SMART (Specific, Measurable, Attainable, Relevant, Time-specific) so everyone knows what "good" looks like. Finally, required activities must directly produce the desired outcomes; otherwise, you collect "barnacles" of superfluous tasks that slow the ship. In Japan, standards can be strong and consistent, but activity lists can grow bloated if nobody challenges legacy tasks. In the US, activity can be energetic, but standards can vary if not enforced. Do now: List your top 3 KRAs, define one standard for each, and delete one "busy work" activity that doesn't support them.  How do skills audits and results reviews keep alignment strong over time? Skills and results close the alignment loop by ensuring the team can perform—and learning whether the system worked. A skills audit tells you if the team has the capacity to achieve the goals, what training/coaching is required, and whether you need new talent. The article notes that changing personnel can be difficult and expensive in Japan, which makes skill-building and coaching even more critical. Results then answer the leadership questions: did we achieve what we set out to do, what was the quality, and what did we learn? Even failure can be a learning experience that makes the next cycle stronger. Startups can iterate faster with shorter review loops; multinationals may need quarterly or annual alignment reviews, but should still build in regular check-ins. Do now: Run a quarterly skills audit + results review: capability gaps, coaching plan, and 3 lessons to apply next quarter.  Conclusion Performance alignment is not "soft culture work"—it's a hard business system that prevents friction, wasted effort, and internal competition from destroying results. The eight elements—vision/mission, values, position goal, KRAs, standards, activities, skills, and results—work like a checklist leaders can use to keep the main game in sight, even when emergencies and meltdowns try to hijack attention.  Next steps for leaders and executives Re-state the unit vision and mission in execution language.  Choose one position goal and one proving metric.  Set KRAs + standards, then strip out "barnacle" activities.  Audit skills and lock in coaching or hiring actions.  Author credentials Dr. Greg Story, Ph.D. in Japanese Decision-Making, is President of Dale Carnegie Tokyo Training and Adjunct Professor at Griffith University. He is a two-time winner of the Dale Carnegie "One Carnegie Award" (2018, 2021) and recipient of the Griffith University Business School Outstanding Alumnus Award (2012). As a Dale Carnegie Master Trainer, Greg is certified to deliver globally across all leadership, communication, sales, and presentation programs, including Leadership Training for Results. He has written several books, including three best-sellers — Japan Business Mastery, Japan Sales Mastery, and Japan Presentations Mastery — along with Japan Leadership Mastery and How to Stop Wasting Money on Training. His works have been translated into Japanese, including Za Eigyō (ザ営業), Purezen no Tatsujin (プレゼンの達人), Torēningu de Okane o Muda ni Suru no wa Yamemashō (トレーニングでお金を無駄にするのはやめましょう), and Gendaiban "Hito o Ugokasu" Rīdā (現代版「人を動okasu" Rīdā).  Greg also publishes daily business insights on LinkedIn, Facebook, and Twitter, and hosts six weekly podcasts. On YouTube, he produces The Cutting Edge Japan Business Show, Japan Business Mastery, and Japan's Top Business Interviews, which are widely followed by executives seeking success strategies in Japan. 

When an organisation has lots of moving parts, coordination becomes a competitive advantage. Divisional rivalries, egos, "not invented here," and personal competition can quietly shred performance, while external shocks—regulatory changes, competitor M&A, natural disasters, and market movements—keep landing on your desk. The leader's job is to create solid alignment between what the company needs and what individuals actually do every day.  What is performance alignment and why does it matter in 2025-era organisations? Performance alignment is the tight fit between company direction and individual behaviour so the business operates like one smooth machine. Without alignment, internal friction beats you before the market does—teams compete instead of coordinate, priorities conflict, and effort gets wasted on "busy work" that looks active but doesn't move results. In post-pandemic business (2020–2025), this got harder: hybrid work increased miscommunication, supply chains became less predictable, and regulation shifts plus competitor consolidation raised complexity. In Japan, alignment can be strong once decisions land, but slower if consensus and cross-division coordination drags. In the US, execution can be fast, but priorities can splinter if each function runs its own agenda. In multinationals, the "moving parts" problem is amplified; in SMEs, a single misalignment can derail the whole plan. Do now: Write the one-line "main game" for this quarter and check every team goal against it.  How do vision and mission create alignment across divisions and teams? Vision and mission align performance by clarifying where you're going and what you will (and won't) do to get there. Vision is the window to a brighter future and the goals for where you want to be—and there's usually a macro company vision plus a unit-level vision that translates strategy into local execution. When teams can "juxtapose" their contribution to the enterprise vision, motivation rises because people can see how their work matters. Mission then adds operational clarity by defining purpose and boundaries, preventing scattergun activity. This is where big organisations often win: leaders at firms like Toyota or Unilever typically cascade strategy into unit-level execution targets; startups do it faster, but sometimes leave it implicit, which can cause drift as the company scales. Do now: Rewrite your unit vision in one sentence that shows exactly how it supports the enterprise vision.  How do shared values drive engagement and commitment (especially across cultures)? Shared values align performance because they act as the cultural glue that keeps behaviour consistent under pressure. Values aren't posters—they're the rules of the road for how decisions get made, how conflict gets handled, and what "good" looks like when nobody is watching. The hard truth is the personal value spectrum is extremely varied, so alignment doesn't happen by accident. Leaders have to make values explicit, visible, and reinforced through recognition and consequences. In Japan, values often support harmony and consistency, but can also discourage constructive challenge if not balanced. In the US, values may champion individual initiative, but can turn into silos if each team's "value" becomes their private religion. In both contexts, values determine whether people truly commit or just comply. Do now: Pick 3 values and define the observable behaviours that prove each one in meetings, customer work, and decision-making.  What is a position goal and how does it motivate teams to perform? A position goal aligns performance by giving teams a clear competitive target: where do we want to rank? That could mean market share dominance, profitability leadership, or rapid growth—inside your industry, sector, or even within your own global organisation. This is powerful because many teams feel isolated and assume their work doesn't make much difference. A visible ranking goal (top ten by revenue, number one in customer retention, highest NPS in the region) turns effort into identity and recognition. In large enterprises, position goals can be highly motivating because teams can see how they compare globally. In SMEs, position goals should be chosen carefully—too grand and they feel fake; too small and they don't inspire. Consumer sectors may chase share; B2B may prioritise margin and renewal stability. Do now: Choose one position goal for 2026 and define the single metric that proves it.  How do KRAs, standards, and activities translate strategy into daily execution? KRAs, standards, and activities align performance by turning "strategy" into measurable work that gets done consistently. Key Result Areas (KRAs) identify where results must be achieved and what matters most; constant measurement and broadcasting keeps focus. Performance standards then create objectivity—use frameworks like SMART (Specific, Measurable, Attainable, Relevant, Time-specific) so everyone knows what "good" looks like. Finally, required activities must directly produce the desired outcomes; otherwise, you collect "barnacles" of superfluous tasks that slow the ship. In Japan, standards can be strong and consistent, but activity lists can grow bloated if nobody challenges legacy tasks. In the US, activity can be energetic, but standards can vary if not enforced. Do now: List your top 3 KRAs, define one standard for each, and delete one "busy work" activity that doesn't support them.  How do skills audits and results reviews keep alignment strong over time? Skills and results close the alignment loop by ensuring the team can perform—and learning whether the system worked. A skills audit tells you if the team has the capacity to achieve the goals, what training/coaching is required, and whether you need new talent. The article notes that changing personnel can be difficult and expensive in Japan, which makes skill-building and coaching even more critical. Results then answer the leadership questions: did we achieve what we set out to do, what was the quality, and what did we learn? Even failure can be a learning experience that makes the next cycle stronger. Startups can iterate faster with shorter review loops; multinationals may need quarterly or annual alignment reviews, but should still build in regular check-ins. Do now: Run a quarterly skills audit + results review: capability gaps, coaching plan, and 3 lessons to apply next quarter.  Conclusion Performance alignment is not "soft culture work"—it's a hard business system that prevents friction, wasted effort, and internal competition from destroying results. The eight elements—vision/mission, values, position goal, KRAs, standards, activities, skills, and results—work like a checklist leaders can use to keep the main game in sight, even when emergencies and meltdowns try to hijack attention.  Next steps for leaders and executives Re-state the unit vision and mission in execution language.  Choose one position goal and one proving metric.  Set KRAs + standards, then strip out "barnacle" activities.  Audit skills and lock in coaching or hiring actions.  Author credentials Dr. Greg Story, Ph.D. in Japanese Decision-Making, is President of Dale Carnegie Tokyo Training and Adjunct Professor at Griffith University. He is a two-time winner of the Dale Carnegie "One Carnegie Award" (2018, 2021) and recipient of the Griffith University Business School Outstanding Alumnus Award (2012). As a Dale Carnegie Master Trainer, Greg is certified to deliver globally across all leadership, communication, sales, and presentation programs, including Leadership Training for Results. He has written several books, including three best-sellers — Japan Business Mastery, Japan Sales Mastery, and Japan Presentations Mastery — along with Japan Leadership Mastery and How to Stop Wasting Money on Training. His works have been translated into Japanese, including Za Eigyō (ザ営業), Purezen no Tatsujin (プレゼンの達人), Torēningu de Okane o Muda ni Suru no wa Yamemashō (トレーニングでお金を無駄にするのはやめましょう), and Gendaiban "Hito o Ugokasu" Rīdā (現代版「人を動okasu" Rīdā).  Greg also publishes daily business insights on LinkedIn, Facebook, and Twitter, and hosts six weekly podcasts. On YouTube, he produces The Cutting Edge Japan Business Show, Japan Business Mastery, and Japan's Top Business Interviews, which are widely followed by executives seeking success strategies in Japan. 

In this episode of Excess Returns, we sit down with TG Macro founder Tony Greer to explore why markets are increasingly signaling a loss of faith in institutions and what that means for investors heading into 2026. Tony lays out a framework that connects inflation, central bank credibility, political risk, global regime change, and shifting consumer behavior into a coherent macro narrative. From gold and precious metals to miners, commodities, cyclicals, and the evolving role of AI, this conversation bridges big-picture macro themes with actionable market insights for both traders and long-term investors.Topics covered:• Why gold is rallying as trust in institutions erodes• Central banks, inflation, and the long-term consequences of monetary policy• The shift from a 60-40 portfolio to alternatives and real assets• Precious metals versus technology leadership in a changing market regime• Gold miners, industrial miners, and uranium as core themes• Consumer inflation, food prices, and purchasing power on Main Street• Big Food, Big Pharma, and the broader trust breakdown• Legal, political, and geopolitical risks shaping investor behavior• The end of globalization and the rise of domestic supply chains• Copper, energy, and natural resources in an economic recovery• AI, semiconductors, and signs of a leadership transition• Prediction markets and new tools for understanding market expectations• Financials, airlines, and overlooked cyclical opportunities• How to think about risk management when macro regimes changeTimestamps:00:00 Introduction and the collapse of trust in institutions02:00 Why gold is responding to credibility loss, not fear05:00 Central banks, inflation, and monetary excess08:20 Purchasing power and real-world inflation pressures11:00 Big Food, Big Pharma, and consumer awareness14:00 Healthcare, fraud, and institutional breakdown16:30 Legal system risk and political credibility18:30 Global factors, sanctions, and the shift away from globalization21:00 Precious metals, miners, and natural resource leadership25:00 The three mining themes driving performance29:00 Stocks and gold rising together in a new regime32:00 Gold market structure and long-term trend analysis36:00 Japan, global bond markets, and gold demand39:00 Investing versus trading precious metals43:00 Copper, supply chains, and tech partnerships47:00 AI leadership, capital rotation, and market risk51:00 Financials, airlines, and cyclical signals57:30 What would break the thesis and risk management signals

In this episode of Next in Media, I sit down with Kiri Masters, host of the Retail Media Breakfast Club podcast, to explore the biggest shifts happening in retail media advertising. We dive into the recent announcement about ads coming to ChatGPT and what that means for brands trying to meet consumers where they are. Kiri shares her perspective on whether AI-powered shopping will truly disrupt the retail media landscape - and why she's optimistic that LLM-based ads could actually be more relevant and less annoying than traditional formats. We also unpack the Walmart-Google partnership and discuss what it signals about the future of conversational commerce.Beyond the AI conversation, we tackle some of the industry's most pressing questions. Will we see consolidation in retail media networks this year? Can shoppable TV finally gain traction? And what happens when offsite retail media faces competition from platforms with their own transactional data? Kiri brings both historical context - including a fascinating story about Piggly Wiggly's self-service revolution - and forward-looking insights about how brands and retailers need to collaborate differently. Whether you're a marketer navigating this space or just curious about where AI and commerce intersect, this conversation offers a clear-eyed look at what's real, what's hype, and what's coming next._______________________________________________Key Highlights 

On this episode of HALO Talks, host Pete Moore sits down with Hunter Ziesing, founder of Longevity Health, to dive into the rapidly chaing volving world of preventive health and personal wellness data. Bringing decades of experience from Wall Street, athletic pursuits, and nonprofit work, Hunter shares his inspiration for moving into longevity and healthspan solutions after seeing friends and family struggle with preventable health issues. He discusses Longevity Health's mission: Democratizing access to clinical-grade health data and AI-driven recommendations. . . basically what elite practitioners charge six figures for, made accessible to the masses. Learn about how he aims to empower individuals to truly own their health data, integrate information from wearables and medical tests, and leverage AI for personalized action. This episode also explores the business of building scalable solutions, collaborating with fitness chains, and balancing the desire to revolutionize public health with mindful entrepreneurship.  On affordable (preventative!) health care for all, Zasing states, " My mission is to really give people the Peter Attia. You know. . .what he charges $150,000 for, for as little as 30 cents a day." Key themes discussed Leveraging personal health data for prevention and longevity AI integration in health management and recommendations Consumer ownership and use of health data Partnerships with fitness clubs and labs for testing Transition from nonprofit to for-profit health ventures Scaling health platforms through technology and collaborations Challenges and vision for democratizing preventive healthcare A Few Key Takeaways:  1.Data-Driven Personalized Health is the Future: Hunter is building a platform (Longevity Health) that brings together personal health data—from wearables, medical records, blood tests, and more—to help guide individuals in preventative health and wellness. His mission is to democratize access, offering "Peter Attia-level" insights at an affordable price. 2. Behavior Change is Achievable and Measurable: Through previous ventures like the national cycling series supporting Livestrong, and his work at Paceline, Hunter  demonstrated that motivating people with goals, teams, and rewards (even as simple as a dollar for hitting your heart rate target) can create real, lasting behavior change. 3. AI-Powered Recommendations Enhance Preventive Care: The company is beta testing an AI engine that analyzes your consolidated health data, gives personalized recommendations, and will eventually act almost like a virtual doctor. For now, a human clinician still reviews and oversees the AI's conclusions, ensuring safety and accuracy. 4. Consumer Ownership Over Health Data is Key: Both Ziesing and Pete discuss the importance of individuals owning their own health data. Regulatory shifts (even tech giants like Apple and Google are getting behind this) are beginning to empower consumers, rather than siloing data within companies. 5. Partnerships and Integrations Will Drive Scale: Rather than trying to own every piece of the ecosystem, Hunter emphasizes the strategy of partnering with gyms, health clubs, and existing testing providers. The vision is to make Longevity Health the connective "last mile" that ties together disparate data to deliver actionable insight—potentially white-labeling the tech or integrating with large fitness chains for scale. Resources:  Hunter Ziesing: https://www.linkedin.com/in/hunterziesing/ Longevity Health: https://www.longevityhealth.me/  Integrity Square: https://www.integritysq.com Prospect Wizard: https://www.theprospectwizard.com Promotion Vault: https://www.promotionvault.com HigherDose: https://www.higherdose.com

Christian Medical and Dental Association's Dr. Brick Lantz talks about how GLP-1's are often missused and talks about the lifestyle changes that are needed.  He also addressed research showing the addictive and weakening effects of ulta-processed food.  Consumer advocate Dale Cardwell, author of "Don't Get Scammed. Get Smart!" addresses the common ways scammers target you and how to avoided being scammed.   The Reconnect with Carmen and all Faith Radio podcasts are made possible by your support. Give now: Click here

This episode provides a high-level recap of the major regulatory compliance themes covered in 2025. Dean highlights intense regulatory volatility, especially around CRA and Section 1071, including rule freezes, proposed repeals, litigation, delayed compliance dates, and the CFPB's move toward an interim final rule for small-business lending data collection. The discussion also revisits key fair lending, redlining, and data-analysis topics, along with rising operational risks such as BSA/AML/KYC modernization, third-party risk management, and expanding concerns around AI, data governance, cybersecurity, and privacy. Consumer protection issues featured prominently, particularly Regulation E error-resolution failures, elder financial exploitation, and recurring flood compliance violations. The takeaway for compliance and risk officers: conduct a CMS health check, document lessons learned from 2025, and proactively brief senior management and the board with a clear 2026 risk and compliance plan focused on these evolving priorities. Brought to you by GeoDataVision and M&M Consulting

Think consumers just don't get supply chain? Think again. Nearly half belong to personas that see its impact – and that awareness is changing how price increases land, how trust holds, and what “value” really means. On this episode, VP, Data & Analytics Cody Stack sits down with Chief Research Officer Kevin O'Marah and Director, Data Science Julia Dahlgren to break down what Zero100 learned from our survey of 14,000 shoppers across seven countries. For leaders still anchored to shelf price alone, this conversation offers a clearer view of what shapes consumer decisions as prices rise – and practical moves to use now.The big question: Can supply chains under pressure keep customer trust? (01:15) Inside Zero100's 14,000-consumer survey – and where the data surprised us (02:23) Breaking the myth of “the customer”: five emerging personas (04:21) What shoppers are trading off and what's keeping them loyal (11:54) Keeping customers in a higher-price world: High-impact moves for supply chain leaders (18:36) Where supply chain awareness goes next (22:27)

Consumer confidence has plummeted. What does it mean for the economy?    The Conference Board Consumer Confidence Index® fell sharply in January, from 94.2 in December to 84.5. Consumers' assessment of both current business and labor market conditions, and their short-term outlook of the same, fell by 9.9 and 9.5 points, respectively, to 65.1, well below the threshold of 80 that typically signals a recession ahead.    Write-in responses showed a continuation in references to prices and inflation, oil and gas prices, and food and grocery prices. Mentions of tariffs and trade, politics, and the labor market also rose in January.    Join Dana M. Peterson and guest Erin McLaughlin, Senior Economist, to find out what's behind consumers' thinking and the current state of US trade.    For more from The Conference Board:  US Consumer Confidence  Forecast for the US Economy  Global Economic Outlook 

There's a lot going on in the world. Here are my thoughts on crisis management for social media management clients, as well as promoting your own business during times like these.0:00 - Why I'm making this video1:18 - Should you promote your business right now?7:05 - Performative activism11:53 - Potential consequences of speaking up15:32 - Offline activism17:53 - Potential financial risks19:40 - Consumer choice22:15 - Keep creating!

In this episode, Eric Malzone chats with Verdine Baker, who shares his inspiring journey from being a professional athlete

It has been said that we don't have “big data” in healthcare, but instead a large amount of “small data.”In this episode, Halle speaks with Kyle Armbrester, CEO of Datavant and former CEO of Signify Health (acquired for $8B), about why healthcare data still moves the way it did decades ago and what it will take to modernize it at scale. Kyle reflects on building and leading large health tech companies and explains how fixing data flow could reduce administrative waste, improve security, and make care easier for patients and providers alike.We cover:Why healthcare billing still happens after the fact and how that fuels administrative wasteHow missing data standards led to fax-based workflows and brittle systemsWhy healthcare data is such an attractive target for cyberattacksHow clinical data can be shared digitally without being owned or resoldLeadership lessons from scaling companies through IPOs and acquisitions—About our guest: Kyle Armbrester is Chief Executive Officer of Datavant, a healthcare data platform company with a mission to make the world's health data secure, accessible, and actionable. Datavant operates the largest and most diverse health data exchange in the U.S., connecting more than 70 percent of the 100 largest health systems, all U.S. payers, and 300 plus real world data partners.Previously, Kyle served as CEO of Signify Health, where he led more than 200 percent revenue growth, took the company public in 2021, and guided its acquisition by CVS Health in 2023 for approximately $8 billion. He later served on the CVS Health executive management team, overseeing healthcare delivery strategy and interoperability.Earlier in his career, Kyle was Chief Product Officer and Head of Corporate Development at athenahealth, where he helped scale revenue from $320 million to $1.2 billion and launched the company's partnership marketplace. Kyle has served on multiple healthcare boards and holds an MBA and AB from Harvard University.—Chapters:00:01:20 Introduction to Kyle Armbrester and his journey in healthcare00:03:58 The impact of Athena Health on healthcare innovation00:06:20 Datavant: Revolutionizing health data interoperability00:08:15 The role of Datavant in reducing administrative burden00:12:20 Understanding Datavant's value proposition across stakeholders00:14:00 Consumer products and data accessibility at Datavant00:18:25 The scale and impact of Datavant in healthcare00:19:35 Cybersecurity challenges in healthcare data management00:23:57 Bridging the gap in healthcare regulations00:26:13 Unlocking the value of untapped healthcare data00:29:25 Challenges of value-based care models00:33:23 The reality of being a CEO in healthcare00:37:00 Navigating IPOs vs. Acquisitions00:39:44 Innovating healthcare incentives for better outcomes—Pre-order Halle's new book, Massively Better Healthcare.—

The holiday shopping season is always the perfect petri dish for how consumer behavior is shifting, and the data from their journeys should be listened to. Daniel Reid, Principal Insights Analyst at Similarweb, joins the podcast armed with that hot off the holidays data that highlights the extended consumer shopping journey, and how earning confidence and trust early and often can get you in that shopping cart early, and make your promotions more impactful when your meaningful shopping seasons arrive.

PAJAMA PODCAST! We're going to let the chat take the wheel, but there's a TON of news out about the raging dumpster fires our social media have become. Plus, why is Apple working on an AI pin? Let's get our tech week started off RIGHT! -- Show Notes and Links: https://somegadgetguy.com/b/4aN Support Talking Tech with SomeGadgetGuy by contributing to their tip jar: https://tips.pinecast.com/jar/talking-tech-with-somegadgetgu Find out more at https://talking-tech-with-somegadgetgu.pinecast.co This podcast is powered by Pinecast. Try Pinecast for free, forever, no credit card required. If you decide to upgrade, use coupon code r-c117ce for 40% off for 4 months, and support Talking Tech with SomeGadgetGuy.

If you could see one number that reliably predicts where property prices are heading next, would you want to know what it is?   Well, today, you're about to find out — and it's not what you think.   You see…most investors think population growth drives property prices… but today I'm joined by Stuart Wemyss, financial strategist and founder of ProSolution Private Clients, who's done some fascinating analysis showing that the real driver of housing price growth is lending volumes — not population growth or money supply.   Our conversation highlights the need for long-term strategies and a focus on fundamentals to achieve sustainable growth in property investments.   Takeaways  ·         Property price growth is influenced by various factors, not just population growth. ·         Lending volumes can be a better predictor of property price movements than population growth. ·         Investors should be cautious of markets driven primarily by speculation. ·         Consumer sentiment plays a crucial role in lending and property prices. ·         Economic factors like interest rates significantly impact lending volumes. ·         A high proportion of investors in a market can signal potential risks. ·         Understanding market cycles is essential for long-term property investment success. ·         Focus on long-term fundamentals rather than short-term trends. ·         Successful property investment requires a coordinated strategy across financial services.   Chapters    01:46 – Why the Last Five Years of Property Data Can Mislead Investors  04:40 – Lending Volumes vs Population Growth: What Really Drives Prices  08:20 – Cash Buyers, Investor Ratios and Market Stability  11:38 – Sentiment, Employment and the Factors Behind Borrowing Power  15:23 – State-by-State Differences and Why Markets Move Out of Sync  17:55 – How Lending Trends Predict Cycles and Help Time Your Entry   Links and Resources:   Michael Yardney – Subscribe to my Property Update newsletter here     Stuart Wemyss – Prosolution Private Clients     Read Stuart's article here: https://prosolution.com.au/why-property-investors-shouldnt-trust-the-last-5-years-of-price-data/   Stuart's Book – Rules of the Lending Game & Investopoly   Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au   Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/

In Week 4 of our Follow Me series, Pastor Dave Mudd delivers a challenging message on the vital role of biblical community in the life of every believer. Drawing from the calling of the first disciples in Mark 1, we see that Jesus never walked alone—and neither should we. This message dives deep into the heart of discipleship, exploring how interdependence within a church family is God's design for our healing and transformation. If you've ever felt isolated or struggled to find true Christian fellowship, discover why moving past your "blind spots" and into authentic relationship is essential for spiritual growth.Key Takeaways:- Community is God's Design: Discover why isolation is contrary to God's nature and how the Gospel creates a people, not just individual converts.- Healing Happens Together: Learn why confessing our struggles to one another is a relational act that leads to true freedom and healing.- The Cost of Discipleship: Understand why true community demands forgiveness and patience, proving to the world that we are followers of Christ.- Overcoming the "Consumer" Mindset: Move from being a spectator to a family member by shifting from independence to biblical interdependence.

In this episode, Bethanie Stein, PharmD, Segment President of Pharmacy at Humana, discusses how employers are approaching GLP-1 coverage and why partnerships with manufacturers like Eli Lilly and Novo Nordisk matter now. She shares how CenterWell Pharmacy is using transparency, clinical oversight, and adherence focused models to expand access while managing costs.

Chris Markowski discusses the current political and economic landscape, emphasizing the importance of understanding the realities behind the headlines. He critiques the media's portrayal of national security threats, arguing that the national debt poses a greater risk to the U.S. than foreign adversaries. The conversation delves into consumer spending patterns, inflation's impact on purchasing power, and the misconceptions surrounding real estate as an investment. Markowski also highlights the significance of financial preparation and the risks associated with private equity investments, urging listeners to be cautious and informed in their financial decisions.

NBC's Steve Kornacki breaks down the facts you need to know for the upcoming NFL conference championship games. Plus, NBC News chief consumer investigative correspondent, Vicky Nguyen, gives tips to tidy up your digital clutter. And, Dateline correspondent, Andrea Canning stops by to share a preview of the upcoming episode highlighting a wife and mother accused of hatching a murder plot. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Carel van Wyk is the founder and CEO of MoneyBadger. MoneyBadger enables easy bitcoin payments at 650 thousand stores in South Africa. MoneyBadger on Nostr: https://primal.net/p/nprofile1qqsz85k206vm3vqdmlvcy9l4kyfqchlnf4hnctasxufa3ph0ck9decgpk49rf MoneyBadger on X: https://x.com/MoneyBadgerPayWesbite: https://www.moneybadger.co.za/EPISODE: 189BLOCK: 933542PRICE: 1112 sats per dollar(00:03:26) What is Money Badger? Mission and merchant focus(00:05:13) Paying anywhere in South Africa(00:05:27) 650,000 locations(00:07:04) Leveraging existing QR payment rails and the Pick n Pay breakthrough(00:10:01) How the flow works: bridging proprietary QR to Lightning(00:11:18) MoneyBadger app as translator vs. using any Lightning wallet(00:13:04) Fiat settlement, volatility handling, and business model(00:17:07) Why no Money Badger wallet? Integrations with Blink, Zeus, Aqua(00:20:20) A clever LNURL/Lightning Address pattern to decode merchant QRs(00:23:39) Pragmatic, a bit hacky, and works across wallets(00:28:04) Replicability beyond SA: Kenya's M‑Pesa, Ghana, Latin America(00:32:10) Creating demand: Bitcoin Ekasi as proof-of-use for Pick n Pay(00:35:15) Real usage: growth to ~5k tx/month and $200k volume(00:39:40) Who spends Bitcoin? From cash users to OGs and ideologues(00:42:34) Incentives and the challenge of moving the middle(00:43:42) Tax context in South Africa: capital gains thresholds(00:46:59) UX talk: tap-to-pay vs. QR, hardware realities and patience(00:49:12) Beyond POS: treasury, suppliers, and stablecoin pull(00:51:03) Bitcoin vs. stablecoins in SA usage; Luno/Binance integrations(00:55:07) Wild flexibility: paying with almost any token via partners(00:57:46) Urgency to prove Bitcoin as money before it's siloed(00:58:00) Hypothetical: Square/Cash App design vs. bridge approach(01:03:41) Consumer friction at checkout and signaling acceptance(01:07:38) Tipping, bridges to Venmo/Cash App, and cash realities(01:09:19) Call to action: spend Bitcoin to create demand(01:11:08) Wrap-up: plans to visit SA, links, and farewellmore info on the show: https://citadeldispatch.comlearn more about me: https://odell.xyz

Precious metals continued a stunning week-long rally into Friday's session. Consumer sentiment offered a bright spot for soft data as the FOMC readies to make its interest rate decision next week. Marley Kayden & Sam Vadas turn to their top takeaways after the final closing bell of the week. ======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

This episode introduces the idea of the Post-Hype Consumer, a demographic that has become disillusioned with brands that prioritize speed and hype over authenticity and trust. Gavon emphasizes that these consumers are not anti-consumption but are instead cautious buyers who seek brands that resonate with their values and beliefs. They are influenced more by community and shared experiences than by flashy marketing campaigns. This consumer necessitates a shift towards community-driven consumerism. He highlights how consumers are now self-regulating, protecting their identities from brands that fail to deliver on their promises. The episode explores the importance of building trust through consistent, meaningful engagement rather than relying on quick, attention-grabbing tactics.Follow Our Substack: https://righthype.substack.com/publish/home

In this episode, we meet Chris Hobson, President and CEO of Rare Beauty Brands.‍Rare Beauty scales challenger brands with expertise in innovation, marketing, and infrastructure across various channels. ‍In this episode, we discussed  retail, e-commerce, direct-to-consumer channels, and how to build and scale an omnichannel brand in the beauty industry.‍‍Topics coveredOmnichannel distribution strategyStarting in luxury retailersThe rise of Korean beautyUsing retail for profitable trialImpulse purchase price pointsImportance of social  media contentCollaborations with influencersTips for sell-through across channelsFocus on productRetail associates‍TakeawaysThe company has since expanded internationally, partnering with distributors in different countries to reach a global audience.The channel strategy has evolved over time, with a focus on expanding into new markets and reaching a wider customer base.The brand decided to initially focus on the assisted sale channel to gain credibility and educate consumers about their product category.Amazon is viewed as a place where consumers can learn about the brand and check ratings and reviews.DTC (Direct-to-Consumer) channel is used strategically to engage with consumers and gain insights.The different channels work together to reinforce each other and provide a seamless brand experience for customers.While retailers may share high-level consumer information with the brand, there is a limitation to the depth of data they can access.Building a successful business requires both online and offline presencePlease let us know your thoughts about the episode!‍Where to find Chris Hobson:Linkedin: https://www.linkedin.com/in/christopherhobson/ ​Website: https://rarebeautybrands.com/ ‍Where to find Kait Stephens:Linkedin: https://www.linkedin.com/in/kait-margraf-stephens/Website: www.brij.it ‍SUBSCRIBE TO THE OMNICHANNEL MARKETERwww.theomnichannelmarketer.com

Our Global Chief Economist Seth Carpenter joins our chief regional economists to discuss the outlook for interest rates in the U.S., Japan and Europe.Read more insights from Morgan Stanley.----- Transcript -----Seth Carpenter: Welcome to Thoughts on the Market. I'm Seth Carpenter, Morgan Stanley's Global Chief Economist and Head of Macro Research. And today we're kicking off our quarterly economic roundtable for the year. We're going to try to think about everything that matters in economics around the world. And today we're going to focus a little bit more on central banking. And when we get to tomorrow, we'll focus on the nuts and bolts of the real side of the economy. I'm joined by our chief regional economists. Michael Gapen: Hi, Seth. I'm Mike Gapen, Chief U.S. Economist at Morgan Stanley. Chetan Ahya: I'm Chetan Ahya, Chief Asia economist. Jens Eisenschmidt: And I'm Jens Eisenschmidt, Chief Europe economist. Seth Carpenter: It's Thursday, January 22nd at 10 am in New York. Jens Eisenschmidt: And 4 pm in Frankfurt. Chetan Ahya: And 9 pm in Hong Kong. Seth Carpenter: So, Mike Gapen, let me start with you as we head into 2026, what are we thinking about? Are we going into a more stable expansion? Is this just a different phase with the same amount of volatility? What do you think is going to be happening in the U.S. as a baseline outlook? And then if we're going to be wrong, which direction would we be wrong? Michael Gapen: Yeah, Seth, we took the view that we would have more policy certainty. Recent weeks have maybe suggested we're incorrect on that front. But I still believe that when it comes to deregulation, immigration policy and fiscal policy, we have much more clarity there than we did a year ago. So, I think it's another year of modest growth, above trend growth. We're forecasting something around 2.4 percent for 2026. That's about where we finished 2025. I think what's key for markets and the outlook overall will be whether inflation comes down. Firms are still passing through tariffs to the consumer. We think that'll happen at least through the end of the first quarter. It's our view that after that, inflation pressures will start to diminish. If that's the case, then we think the Fed can execute one or two more rate cuts. But we have those coming [in] the second half of the year. So, it looks like growth is strong enough. The labor market has stabilized enough for the Fed to wait and see, to look around, see the effects of their prior rate cuts, and then push policy closer to neutral if inflation comes down. Seth Carpenter: And if we go back to last year to 2025, I will give you the credit first. Morgan Stanley did not shift its forecast for recession in the U.S. the way some of our main competitors did. On the other hand, and this is where I maybe tweak you just a little bit. We underestimated how much growth there would be in the United States. CapEx spending from AI firms was strong. Consumer spending, especially from the top half of the income distribution in the U.S. was strong. Growth overall for the year was over 2 percent, close to 2.5 percent. So, if that's what we just came off of, why isn't it the case that we'd see even stronger growth? Maybe even a re-acceleration of growth in 2026? Michael Gapen: Well, some of that, say, improvement vis-à-vis our forecast, the outperformance. Some of that I think comes mechanically from trade and inventory variability. So, . I'm not sure that that says a lot about an improving trend rate of growth. Where there was other outperformance was, as you noted, from the consumer. Now our models, and I don't mean to get too technical here, but our model suggests that consumption is overshooting its fundamentals. Which I think makes it harder for the economy to accelerate further. And then AI; it's harder for AI spending to say get incrementally stronger than where it is. So, we're getting a little extra boost from fiscal. We've got that coming through. And I just think what it is, is more of the same rather than further acceleration from here. Seth Carpenter: Do you think there's a chance that the Fed in fact does not cut rates like you have in your forecast? Michael Gapen: Yes, I do think... Where we could be wrong is we've made assumptions around the One Big Beautiful Bill and what it will contribute to the economy. But as you know, there's a lot of variability around those estimates. If the bill is more catalytic to animal spirits and business spending than we've assumed, you could get, say, a demand driven animal spirits upside to the economy, which may mean inflation doesn't decelerate all that much. But I do think that that's, say, the main upside risk that we're considering. Markets have been gradually taking out probabilities of Fed cuts as growth has come in stronger. So far, the inflation data has been positive in terms of signaling about disinflation, but I would say the jury's still out on how much that continues. Seth Carpenter: Chetan, When I think about Japan, we know that it's been the developed market central bank that's been going in the opposite direction. They've been hiking when other central banks have been cutting. We got some news recently that probably put some risk into our baseline outlook that we published in our year ahead view about both growth and inflation in Japan. And with it what the Bank of Japan is going to do in terms of its normalization. Can you just walk us through a little bit about our outlook for Japan? Because right now I think that the yen, Japanese rates, they're all part of the ongoing market narrative around the world. Chetan Ahya: Yeah, Seth. So, look, I mean, on a big picture basis, we are constructive on the Japan macro-outlook. We think normal GDP growth remains strong. We are expecting to see the transition for the consumers from them seeing, you know, supply side inflation. Keeping their real wage growth low to a dynamic where we transition to real wage growth accelerating. That supports real consumption growth, and we move away from that supply side driven inflation to demand side driven inflation. So broadly we are constructive, but I think in the backdrop, what we are seeing on currency depreciation is making things a bit more challenging for the BOJ. While we are expecting that demand side pressure to build up and drive inflation, in the trailing data, it is still pretty much currency depreciation and supply side factors like food inflation driving inflation. And so, BOJ has been hesitant. So, while we had the expectation that BOJ will hike in January of 2027, we do see the risk that they may have to take up rate hike earlier to manage the currency not getting out of hand and adding on to the inflation pressures. Seth Carpenter Would I be right in saying that up until now, the yen has swung pretty widely in both directions. But the weakening of the yen until now hasn't been really the key driver of the Bank of Japan's policy reaction. It's been growth picking up, inflation picking up, wanting to get out of negative interest rates first, wanting to get away from the zero lower bounds. Second, the weaker yen in some sense could have actually been seen as a positive up until now because Japan did go through 25 years of essentially stagnant nominal growth. Is this actually that much of a fundamental change in the Bank of Japan's thinking – needing to react to the weakness of the yen? Chetan Ahya: Broadly what you're saying is right, Seth, but there is also a threshold of where the currency can be. And beyond a point, it begins to hurt the households in form of imported inflation pressures. And remember that inflation has been somewhat high, even if it is driven by currency depreciation and supply side factors for some time. And so, BOJ has to be watchful of potential lift in inflation expectations for the households. And at the same time, they are also watching the underlying inflation impact of this currency depreciation – because what we have seen is that over period workers have been demanding for higher wages. And that is also influenced by what happens to headline inflation, which is driven by currency depreciation. So, I would say that, yes, it's been true up until now. But, when currency reaches these very high levels of range, you are going to see BOJ having to act. Seth Carpenter: Jens, let's shift then to Europe. The ECB had been on a cutting cycle. They came to the end of that. President Lagarde said that she thought the disinflationary process had ended. In your year ahead forecast and a bunch of your writing recently, you've said maybe not so fast. There could still be some more disinflationary, at least risk, in the pipeline for Europe. Can you talk a little bit about what's going on in terms of European inflation and what it could mean for the European Central Bank? Because clearly that's going to be first order important for markets.Jens Eisenschmidt: I think that is right. I think we have a crucial inflation print ahead of us that comes out on the 4th of February. So, early February we get some signal, whether our anticipated fall of headline inflation here below the ECB's target is actually materializing. We think the chances for this are pretty good. There's a mix why this is happening. One is energy. Energy disinflation and base effects. But the other thing is services inflation resets always at the beginning of the year. January and February are the crucial month here. We had significant services upward pressure on prices the last years. And so just from base effects, we think we will see less of that. Another picture or another element of that picture is that wage disinflation is proceeding nicely. We have notably a significant weakness in the export-oriented manufacturing sector in Germany, which is a key sector of setting wages for the country. The country is around 30 percent of the euro area GDP. And here we had seen significant wage gains over the last year. So, the disinflationary trend coming from lower wage gains from this country, that will be very important. And an important signal to watch. Again, that's something we don't know. I think soon we have to watch simply monthly prints here. But a significant print for the first quarter comes out in May, and all of that together makes us believe that the ECB will be in a position to see enough data or have seen enough data that confirms the thesis of inflation staying below target for some time to come. So that they can cut in June and September to a terminal rate of 1.5 percent. Seth Carpenter: That is, I would say, out of consensus relative where the market is. When you talk to investors, whether they're in Europe or around the world, what's the big pushback that you get from them when you are explaining your view on how the ECB is going to act? Jens Eisenschmidt: There are two essential pushbacks. So, one is on substance. So, 'No, actually wages will not come down, and the economy will actually start overheating soon because of the big fiscal stimulus.' That, in a nutshell is the pushback on substance. I would say here, as you would say before, not so fast. Because the fiscal stimulus is only in one country. It's 30 percent. But only 30 percent of the euro area.Plus, there is another pushback, which is on the reaction function of the ECB. Here we tend to agree. So far, we have heard from policy makers that they feel rather comfortable with the 2 percent rate level that they're at. But we think that discussion will change. The moment you are below target in an actual inflation print; the burden of proof is the opposite. Now you have to prove: Is the economy really on a track that inflation will get back up to target without further monetary stimulus? We believe that will be the key debate. And again, happy to, sort of, concede that there is for now not a lot of signaling out of the ECB that further rate cuts are coming. But we believe the first inflation print of the year will change that debate significantly. Seth Carpenter: Alright, so that makes a lot of sense. However, looking at the clock, we are probably out of time for today. So, for now, Michael, Chetan, Jens, thank you so much for joining today. And to the listener, thanks for listening. And be sure to tune in tomorrow for part two of our conversation. And I have to say, if you enjoy this show, please leave us a review wherever you listen and share Thoughts on the Market with a friend or a colleague today.

In this episode of Talk Fantasy To Me, Kyle dives into the latest developments in the entertainment industry, focusing on Netflix's acquisition of Warner Bros. and the implications for Hollywood. The discussion covers the potential impact on consumer choice, the future of theatrical releases, and the role of AI in content creation. Kyle also explores Paramount's counter-offer and the broader industry dynamics at play.   Takeaways Netflix's acquisition of Warner Bros. could reshape Hollywood. Paramount's counter-offer adds complexity to the deal. AI's role in content creation is expanding. The future of theatrical releases is uncertain. Consumer choice may be impacted by media consolidation. The entertainment industry is at a crossroads. Regulatory scrutiny is expected for the Netflix deal. Paramount's all-cash offer is seen as superior by some. The merger could lead to significant industry changes. Hollywood's traditional model is being challenged.   Sound bites "Netflix's acquisition could reshape Hollywood." "Paramount's offer adds complexity." "AI is changing content creation." "The future of theaters is uncertain." "Consumer choice is at risk." "Hollywood is at a crossroads." "Regulatory scrutiny is expected." "Paramount's offer is seen as superior." "The merger could change the industry." "Hollywood's model is challenged."   Chapters 00:00:00 Introduction to the Episode 00:03:00 Netflix's Acquisition of Warner Bros. 00:09:00 Paramount's Counter-Offer 00:15:00 AI's Role in Content Creation 00:21:00 Impact on Theatrical Releases 00:27:00 Consumer Choice and Media Consolidation 00:33:00 Regulatory Scrutiny and Industry Changes 00:39:00 Conclusion and Future Outlook    

Sam Levine, commissioner of the Department of Consumer and Worker Protection (DCWP) talks about his priorities in his new role, including the mayor's executive orders related to plans for "rental rip-off" hearings, banning junk fees and regulating delivery apps, which he says are depriving workers of tips.

After World War II, the U.S. government worked with industry to create a single-use, disposable consumer culture as a way to ensure ongoing market prosperity.  Who benefited? Consumer product companies like Coca-Cola, and the fossil fuel industry, whose petrochemicals are at the source. The result? Plastic pollution is now found in virtually every living organism – including humans – and is one of the worst threats to ocean ecosystems. Now, a global resistance movement is rising to abolish petrochemical plastics and to shift to a zero-waste, circular economy. Anna Cummins, Deputy Director and Co-Founder of the Five Gyres Institute. With more than 20 years experience in environmental non-profit work—including marine conservation, coastal watershed management, community relations, and bilingual and sustainability education—Anna is an expert in the field. Credits Executive Producer: Kenny Ausubel Written by: Monica Lopez and Kenny Ausubel Senior Producer and Station Relations: Stephanie Welch Host and Consulting Producer: Neil Harvey Producer: Teo Grossman Program Engineer and Music Supervisor: Emily Harris Production Assistance: Claire Reynolds This is an episode of the Bioneers: Revolution from the Heart of Nature series. Visit the ⁠radio and podcast homepage⁠ to learn more.

If you want to be a successful online business owner, there's a vital shift you need to make: you must move from consumer to creator. Most people start as consumers—scrolling, reacting, signing up for other people's offers—but building an online coaching business requires stepping into leadership, prioritizing creation over consumption, and being willing to go first. Today, Jill walks through the tangible behaviors that separate creators from consumers, including setting boundaries, focusing on big needle-moving work, creating before consuming, and working on the business instead of constantly working in it. It's both a mindset shift and a practical self-audit for anyone who wants to stop waiting, stop reacting, and start fully owning their role as a creator and business owner.   Get on the waitlist for FBA: https://jillfitfree.com/fba-waitlist/   Jill is a fitness professional and business coach who effectively made the transition from training clients in person and having no time to build anything else to training clients online and actually being more successful. Today, Jill helps other coaches to do the same.   Connect with me! Instagram: @jillfit | @fitbizu Facebook: @jillfit Website: jillfit.com

The CPG Guys are joined in this episode by John frost, Chief Customer Officer at Chobani, Find John Frost on Linkedin at: https://www.linkedin.com/in/john-frost-20963155/Find Chobani on Linkedin at: https://www.linkedin.com/company/chobani/Find Chobani online at: https://www.chobani.com/Here's what we asked John:John, let's start with your journey. What path led you to Chobani, and how has your experience at Frito-Lay and PepsiCo shaped your perspective as Chief Customer Officer?The Chief Customer Officer role is all about building deep partnerships. How do you define retail customer centricity at Chobani, and how does it show up in your day-to-day?Chobani has grown from disrupting yogurt to becoming a modern  food and beverage company. How do you balance staying true to the brand's roots while  expanding into new categories?Innovation is at the heart of Chobani's DNA. How do you align with retail partners to ensure that innovation lands successfully with shoppers?Chobani has always led with purpose, from food made better to community impact. How does that purpose translate into customer partnership and retail collaboration?Consumer today demand more authenticity & transparency from brands. How is Chobani meeting those expectations in ways that build both brand equity and customer trust?Looking out to 2026, what excites you most about the future of food, beverage, and retail partnerships?For emerging leaders in CPG, what advice would you give on building trust, driving results, and being an effective customer-first leader?CPG Guys Website: http://CPGguys.comFMCG Guys Website: http://FMCGguys.comSheCOMMERCE Website: https://shecommercepodcast.com/Rhea Raj's Website: http://rhearaj.comLara Raj in Katseye: https://www.katseye.world/DISCLAIMER: The content in this podcast episode is provided for general informational purposes only. By listening to our episode, you understand that no information contained in this episode should be construed as advice from CPGGUYS, LLC or the individual author, hosts, or guests, nor is it intended to be a substitute for research on any subject matter. Reference to any specific product or entity does not constitute an endorsement or recommendation by CPGGUYS, LLC. The views expressed by guests are their own and their appearance on the program does not imply an endorsement of them or any entity they represent. CPGGUYS LLC expressly disclaims any and all liability or responsibility for any direct, indirect, incidental, special, consequential or other damages arising out of any individual's use of, reference to, or inability to use this podcast or the information we presented in this podcast.

Your customers aren't unmotivated—they're scared. Consumer psychology expert Matt Sucha explains why addressing fear outperforms aggressive selling every time. One bank's free insurance offer flopped until they tackled customer skepticism head-on. The result? A 167% conversion increase without changing the product. The secret lies in subconscious decision-making. When a water heater salesperson started presenting two options instead of one "perfect" choice, his conversion rate nearly doubled. Why? Choice reduces anxiety and creates empowerment. Sucha's breakthrough: communication changes three things—what people feel, think, and do. If you can't define all three outcomes before your pitch, you're guessing.

The a16z AI Apps team outlines how they are thinking about the AI application cycle and why they believe it represents the largest and fastest product shift in software to date. The conversation places AI in the context of prior platform waves, from PCs to cloud to mobile, and examines where adoption is already translating into real enterprise usage and revenue. They walk through three core investment themes: existing software categories becoming AI-native, new categories where software directly replaces labor, and applications built around proprietary data and closed-loop workflows. Using portfolio examples, the discussion shows how these models play out in practice and why defensibility, workflow ownership, and data moats matter more than novelty as AI applications scale. Resources:Follow  Alex Rampell on X: https://twitter.com/arampellFollow Jen Kha on X: https://twitter.com/jkhamehlFollow David Haber on X: https://twitter.com/dhaberFollow Anish Acharya on X: https://twitter.com/illscience Stay Updated:If you enjoyed this episode, be sure to like, subscribe, and share with your friends!Find a16z on X: https://twitter.com/a16zFind a16z on LinkedIn: https://www.linkedin.com/company/a16zListen to the a16z Podcast on Spotify: https://open.spotify.com/show/5bC65RDvs3oxnLyqqvkUYXListen to the a16z Podcast on Apple Podcasts: https://podcasts.apple.com/us/podcast/a16z-podcast/id842818711Not an offer or solicitation. None of the information herein should be taken as investment advice; Some of the companies mentioned are portfolio companies of a16z. Please see https://a16z.com/disclosures/ for more information.  A list of investments made by a16z is available at https://a16z.com/portfolio. Stay Updated:Find a16z on XFind a16z on LinkedInListen to the a16z Show on SpotifyListen to the a16z Show on Apple PodcastsFollow our host: https://twitter.com/eriktorenberg Please note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. a16z and its affiliates may maintain investments in the companies discussed. For more details please see a16z.com/disclosures. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this special episode of Nichel Anderson Short Stories And Beyond, host Nichel Anderson takes listeners behind the scenes with her Director's Clip Notes, offering an exclusive look into the creative journey behind her acclaimed MOLIAE short stories. Nichel shares the inspiration, writing process, and emotional depth that shaped each episode, revealing how the characters and storylines connect to her book, “Mitsrayim: Memoir of A Past Life In Ancient Egypt.” As MOLIAE (Moments Of Love In Ancient Egypt) evolves into a theatrical production, Nichel discusses how these stories serve as the foundation for her vision to bring her book, of the world of ancient Egypt to life on film. She provides key insights into the themes, lessons, and character arcs that tie back to Season 1, Episode 1 "Before The Time of Princess Aamina", giving listeners a deeper understanding of the creative universe she continues to build. Explore the featured episodes: Episode #66: Rulen Responds to the Position of King Mahlon's Speech and an Orion Sets a New Path https://nichelandersonshortstoriesandbeyond.podbean.com/e/moliae-short-stories-rulen-responds-to-the-position-of-king-mahlon-s-speech-and-an-orion-sets-a-new-path/ Episode #65: King Mahlon Speaks of Disloyalty and an Orion Is Born https://nichelandersonshortstoriesandbeyond.podbean.com/e/moliae-finale-show-season-6-epi-65-king-mahlon-speaks-of-disloyalty-and-an-orion-is-born/ Episode #64: Hanee Sends a Letter to King Mahlon https://nichelandersonshortstoriesandbeyond.podbean.com/e/moliae-hanee-sends-a-letter-to-king-mahlon-episode-64-season-6-2022-2023/ Bonus Review: Any Day Can Be a Supreme Day (Season 1, Episode 24) https://nichelandersonshortstoriesandbeyond.podbean.com/e/moliae-clip-snippet-any-day-can-be-a-supreme-day-episode-24-season-1-2017-2018/ Nichel also shares exciting updates on the relaunch of her PMTR (Pyramid Mystery Temple Reunion) NFTs on February 23, 2026—a date honoring Dr. W.E.B. Du Bois' birthday. Support the M-Film Dream and explore the expanding MOLIAE universe: Shop MOLIAE merch and Nichel's first music album at MOLIAE.com/shop Discover the extended beauty line at MOLIAEBeauty.com Learn more about the NFT collection at MOLIAEWorld.com Mint your NFT at MINT.MOLIAEWORLD.COM Support the DTC (Direct-to-Consumer) movement and be part of the creative legacy of MOLIAE—where storytelling, music, and purpose unite. In this special episode of Nichel Anderson Short Stories And Beyond, host Nichel Anderson takes listeners behind the scenes with her Director's Clip Notes, offering an exclusive look into the creative journey behind her acclaimed MOLIAE short stories. Nichel shares the inspiration, writing process, and emotional depth that shaped each episode, revealing how the characters and storylines connect to her book, “Mitsrayim: Memoir of A Past Life In Ancient Egypt.”

With the American republic hanging in the balance, Ralph calls on Democrats to pressure Republicans in the House and Senate to impeach Trump before the midterms or suffer the consequences. Then, we welcome Dino Grandoni, co-author of a Washington Post report on the surprising ways various species of animals and plants help advance our own health and longevity.Dino Grandoni is a reporter who covers life sciences for the Washington Post. He was part of a reporting team that was a finalist for the 2025 Pulitzer Prize in National Reporting for coverage of Hurricane Helene. He previously covered the Environmental Protection Agency and wrote a daily tipsheet on energy and environmental policy. He is co-author (with Hailey Haymond and Katty Huertas) of the feature “50 Species That Save Us.”The Democrats—while there are people like constitutional law expert Jamie Raskin (who has said a shadow hearing to publicly educate the American people on impeachment “is a good idea”) he's been muzzled by Hakeem Jeffries and Charlie Schumer, who basically don't want the Democrats to use the word impeachment. So who's using the word impeachment the most? Donald Trump—not only wants to impeach judges who decide against him, but he's talking about the Democrats impeaching him, and he uses the word all the time. So we have an upside-down situation here where the opposition party is not in the opposition on the most critical factor, which is that we have the most impeachable President in American history, getting worse by the day.Ralph NaderIf the founding fathers came back to life today, would any of them oppose the impeachment, conviction, and removal of office of Donald J. Trump, who talks about being a monarch? That's what they fought King George over. Of course, they would all support it.Ralph NaderWhat we have in these cards and in our stories at the Washington Post here are examples of the ways we know, the ways that scientists have uncovered how plants and animals help us. But we don't know what we don't know. There are likely numerous other ways that plants and animals are protecting human well-being that we don't know and we may very well never know if some of these species go extinct.Dino GrandoniI'm always eager to find these connections between human well-being and the well-being of nature and try to describe them in ways that are compelling to readers that get them to care about protecting nature. And also finding those instances (because I want to be objective here) of when human well-being and the well-being of nature might be in conflict, and that might involve some tough decisions that we as a society or policymakers have to make.Dino GrandoniNews 1/16/25* Our top two stories this week concern corporate wrongdoing. First, Business Insider reports that the New York City Department of Consumer and Worker Protection has released a new report which estimates Uber Eats and DoorDash, by altering their tipping processes in the city – moving tipping prompts to less prominent locations after checkout so upfront delivery costs would appear lower – have deprived gig delivery workers of $550 million since December 2023. As this piece notes, that was the month that New York City's minimum pay law for delivery workers took effect. As a result, “The average tip for delivery workers on the apps dropped 75%...from $3.66 to $0.93, one week after the apps made the changes…The figure has since declined to $0.76 per delivery.” This report presages a new city law that “requires the apps to offer customers the option to tip before or during checkout. Both Uber and DoorDash have sued the City over the law, which is set to take effect on January 26.” Whether the administration will stick to their guns on this issue, in the face of corporate pressure, will be a major early test for Mayor Zohran Mamdani.* Meanwhile, the Wall Street Journal reports UnitedHealth Group “deployed aggressive tactics to collect payment-boosting diagnoses for its Medicare Advantage members.” As the Journal explains, “In Medicare Advantage, the federal government pays insurers a lump sum to oversee medical benefits for seniors and disabled people. The government pays extra for patients with certain costly medical conditions, a process called risk adjustment.” A new report from the Senate Judiciary Committee found that UnitedHealth had “turned risk adjustment into a business,” thereby exploiting Medicare Advantage and systematically and fraudulently overbilling the federal government. Due to its structure, advocates like Ralph Nader have long warned that Medicare Advantage is ripe for waste fraud and abuse, in addition to being an inferior program for seniors compared to traditional Medicare. This report supports the accuracy of these warnings. Yet, Dr. Mehmet Oz Trump's appointee to head the Centers for Medicare & Medicaid Services, is a longtime proselytizer for Medicare Advantage and this setback is unlikely to make him reverse course, no matter the cost to patients or taxpayers.* Yet, even as these instances of corporate criminal lawlessness pile up, the Trump administration is all but abolishing the police on the corporate crime beat. In a new report, Rick Claypool, corporate crime research director at Public Citizen, documents how the administration has “canceled or halted a total of 159 enforcement actions against 166 corporations.” This amounts to corporations avoiding payments totaling $3.1 billion in penalties for misconduct. This report further documents how these corporations have ingratiated themselves with Trump, via donations to his inauguration or ballroom project, or more typical revolving door or lobbying arrangements. As Claypool himself puts it, “The ‘law enforcement' claims the White House uses as a pretext for authoritarian anti-immigrant crackdowns, city occupations, and imperial resource seizures abroad lose all credibility when cast against the lawlessness Trump allows for the pursuit of corporate profits.”* In another instance of a Trump administration giveaway to corporations, the New York Times reports the Environmental Protection Agency will “Stop Considering Lives Saved When Setting Rules on Air Pollution.” Under the new regulatory regime, the EPA will “estimate only the costs to businesses of complying with the rules.” The Times explains that different administrations have balanced these competing interests differently, always faced with the morbid dilemma of how much, in a dollar amount, to value human life; but “until now, no administration has counted it as zero.”* Moving to Congress, the big news from the Legislative Branch this week has to do with Bill and Hillary Clinton. NPR reports Congressman James Comer, Chair of the House Oversight Committee, issued subpoenas to the former president and former Secretary of State to testify in a committee hearing related to convicted sex offender Jeffrey Epstein. In a letter published earlier this week, the Clintons formally rejected the subpoenas, calling them “legally invalid.” The Clintons' refusal to appear tees up an opportunity for Congress to exercise its contempt power and force the couple to testify. Democrats on the Oversight Committee, who agreed to issue the subpoenas as part of a larger list, have noted that “most of the other people have not been forced to testify,” indicating that this is a political stunt rather than an earnest effort. That said, there is little doubt that, at least, former President Clinton knows more about the Epstein affair than he has stated publicly thus far and there is a good chance Congress will vote through a contempt resolution and force him to testify.* In the Senate, Elizabeth Warren, Chris Murphy and other liberal Senators are “urging their Democratic colleagues to pivot to economic populism by ‘confronting' corporate power and billionaires, warning that just talking about affordability alone won't move swing voters who backed President Trump in 2024,” per the Hill. Senators Adam Schiff of California and Tina Smith of Minnesota also signed this memo. The Senators cited a recent poll that found Americans “increasingly cannot afford basic goods such as medical care and groceries,” but they also warned that “Bland policy proposals — without a narrative explaining who is getting screwed and who is doing the screwing – will not work.” Hopefully this forceful urging by fellow Senators will move the needle within the Democratic caucus in the upper house. Nothing else seems to have driven the point home.* One candidate who seems to understand this message is Graham Platner of Maine. Platner, who is endorsed by Bernie Sanders, has a controversial past that includes a career in the Marines and a stint working for the private military contractor Blackwater. However, he is running as a staunch economic populist and New Deal style progressive Democrat – and the message appears to be working. According to Zeteo, a poll conducted in mid-December found Platner up by 15 points in the primary over his opponent, current Governor Janet Mills. More concerning is the fact that this same poll shows both Platner and Mills in a dead heat with incumbent Republican Senator Susan Collins, indicating this could be a brutal, protracted and expensive campaign.* On the other end of the spectrum, Axios reported this week that former Congressman Sean Patrick Maloney, who once led the Democratic Congressional Campaign Committee and then served as President Biden's ambassador to the Organization for Economic Co-operation and Development, has accepted a role as CEO and president of the Coalition for Prediction Markets. The coalition is essentially a trade association for betting websites; members include Kalshi, Crypto.com Robinhood and Coinbase, among others. The coalition will leverage Maloney's influence with Democrats, along with former Republican Congressman Patrick McHenry's influence across the aisle, to lobby for favorable regulation for their industry.* Turning to foreign affairs, prosecutors in South Korea have announced that they are seeking the death penalty for former President Yoon Suk-Yeol on “charges of masterminding an insurrection over his brief imposition of martial law in December 2024,” per Reuters. In a stunning courtroom revelation, a prosecutor said during closing arguments that “investigators confirmed the existence of a scheme allegedly directed by Yoon and his former defence minister, Kim Yong-hyun, dating back to October 2023 designed to keep Yoon in power.” The prosecutor added that “The defendant has not sincerely regretted the crime... or apologised properly to the people.” As this piece notes, South Korea has not carried out a death sentence in nearly three decades. Even still, it is remarkable to see how this case has unfolded compared to the reaction of the American judicial system to Donald Trump's attempted self-coup on January 6th, 2021.* Finally, turning to Latin America, many expected the fall of Nicolás Maduro to mean a redoubled energy crisis for the long-embargoed island nation of Cuba. Yet, the Financial Times reports that in fact, “Mexico overtook Venezuela to become Cuba's top oil supplier in 2025…helping the island weather a sharp drop in Venezuelan crude shipments.” CBS adds that “Despite President Trump's social media pronouncement…that ‘there will be no more oil or money going to Cuba — zero,' the current U.S. policy is to allow Mexico to continue to provide oil to the island, according to Energy Secretary Chris Wright.” For the time being, the administration seems open to maintaining this status quo – including maintaining cordial relations with Mexican President Claudia Sheinbaum – though this appears more strained than ever. Sheinbaum harshly criticized the kidnapping of Maduro, stating “unilateral action and invasion cannot be the basis for international relations in the 21st century,” while Republican Congressman Carlos Gimenez has threatened that there could be “serious consequences for trade between our countries” if Sheinbaum “continues to undermine US policy by sending oil to the murderous dictatorship in Cuba.”This has been Francesco DeSantis, with In Case You Haven't Heard. Get full access to Ralph Nader Radio Hour at www.ralphnaderradiohour.com/subscribe

Economic Realities: Chinese Struggles and U.S. Consumer Strength. Guest: CHRIS RIEGEL, CEO of Stratacache. China's economy is struggling, evidenced by declining imports of raw materials and factory workers facing destitution. In contrast, the U.S. economy remains strong, with banner retail sales during the Christmas season. However, the "K-shaped" economy shows consumer fatigue in the quick-service restaurant sector.1965 SHANGHAI

Economic decisions aren't only driven by hard data. A compelling story can change economic behavior and outcomes. In today's episode, we explore real-world examples of “narrative economics” like how the Suez Canal ended up getting built. And we ask: why do narratives sometimes matter more than truth or data? Related episodes: This indicator hasn't flashed this red since the dot-com bubble Tariffs. Consumer sentiment. Cape Ratio. Pick The Indicator of The Year! The Beigie Awards: Manufacturing takes center stage For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Fact-checking by Sierra Juarez. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter.  Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy