Podcasts about Consumer

In episode 279 of the Pool Nation Podcast, Edgar De Jesus is joined by co-hosts Zach “The Pool Boy” Nicholas and John “JJ Flawless” for Part 4 of the Winning Business Series, diving deep into one of the most misunderstood — and most important — topics in the pool industry: profit margins. This conversation goes far beyond “raise your prices.” Edgar and Zac break down why margin is the real indicator of business health, how to calculate your true cost per pool, and how to build pricing that actually supports growth, stability, and long-term success. You'll learn why dollar profit alone is fragile, how thin margins quietly destroy pool businesses, and how the Good / Better / Best pricing model can protect your margins while giving customers choice — especially in a market where consumer confidence is tightening. The episode also covers: How hidden leaks like drive time, chemical creep, and non-billable labor eat away at profits Why knowing your numbers removes fear from price increases How to prepare your routes and customers before raising rates Why winter is the best time to fix your pricing for the year ahead If you're heading into 2026 without absolute clarity on your pricing, margins, and profitability, this episode is a must-listen for pool service owners, repair techs, and business leaders who want to stop guessing and start building intentionally. ⏱️ Episode Timestamps [00:00:00] Welcome to the Pool Nation Podcast & show intro [00:01:00] Part 4 of the Winning Business Series begins [00:02:30] Why solo podcasts feel different & listener feedback [00:04:00] AquaStar Golden Ticket experience & behind-the-scenes factory tour [00:08:30] Industry culture, leadership, and why AquaStar stands out [00:11:00] Recap of hidden profit leaks from previous episodes [00:14:00] Why margins matter more than dollar profit [00:16:30] Understanding margin percentages (20%, 30%, 40%, 50%+) [00:19:00] Real-world examples of margin failure in pool businesses [00:22:00] How to calculate your true cost per pool [00:24:00] Building pricing based on math — not emotion [00:26:00] Why knowing your numbers changes how you sell [00:29:00] Sponsor break [00:34:00] Good / Better / Best pricing explained [00:38:00] Consumer psychology and why most customers choose “Better” [00:41:00] Using tiered pricing for service and repairs [00:44:00] Preparing for a price increase the right way [00:47:00] Reviewing routes and identifying problem pools [00:50:00] Why winter is the best time to fix pricing [00:54:00] Final thoughts on margins, growth, and confidence [00:56:00] Teaser for Part 5: How to announce price increases [00:57:00] Show outro & where to find Pool Nation resources   

Analysts Don Kellogg and Roger Entner share insights from Recon's new Super Owner Economics report as Comcast and Charter look to reshape the wireless industry through CBRS deployment.00:00 Episode intro 00:25 Comcast and Charter build out CBRS networks 02:57 Implications for Verizon and other MSOs 04:59 Cable's strategy and service bundling 06:41 FWA vs. fiber 07:51 Charter's approach to customers 08:48 Exploding prices are still around 10:35 Consumer satisfaction insights 11:51 Christmas episode teaser and episode wrap-upSuper Owner Economics: Charter & Comcast's Network Jiu-Jitsu - Digital Product ReportsTags: telecom, telecommunications, wireless, prepaid, postpaid, cellular phone, Don Kellogg, Roger Entner, cable, Charter, Comcast, spectrum, CBRS, network, AT&T, T-Mobile, rural, Verizon, bundling, FWA, fiber, DOCSIS 4.0, pricing, NPS, Spectrum Mobile

Pippa speaks to Bongani Tembe who is CEO and Artistic Director of the Mzansi National Philharmonic Orchestra about their show at City Hall and will feature a mixed programme of both local and international composers, under the baton of conductor Marin Alsop. Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth & the environment. Thank you for listening to a podcast from Lunch with Pippa Hudson Listen live on Primedia+ weekdays between 13:00 and 15:00 (SA Time) to Lunch with Pippa Hudson broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/MdSlWEs or find all the catch-up podcasts here https://buff.ly/fDJWe69 Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Pippa speaks to food writer and recipe developer Louisa Holst who has become one of this country’s foremost experts on getting the most out of this appliance. She is Food Editor at Ideas Magazine, and has written several very successful cookbooks including the latest called 30 minute South African air-fryer cookbook Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth & the environment. Thank you for listening to a podcast from Lunch with Pippa Hudson Listen live on Primedia+ weekdays between 13:00 and 15:00 (SA Time) to Lunch with Pippa Hudson broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/MdSlWEs or find all the catch-up podcasts here https://buff.ly/fDJWe69 Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Vancouver Consumer - December 13, 2025 - Diamond Fernandes of the Heart Fit Clinic

Vancouver Consumer - December 13, 2025 - Mason Cox with Credit Counselling Society

In this episode of Your B Side, you'll discover that Danyal carries a soft spot for shawarma, soulful music, and the philosophy books that shaped how he sees the world. He opens up about a transformative scholarship that took him from Lahore to New York, and a recent trip through the UK filled with history, art, and a few surprises.Support the showListen to all the episodes, rate and review us wherever you listen to your podcasts!--Écoute tous les épisodes, laisse nous une note et un commentaire partout où tu écoutes tes podcasts!Contact: Instagram (EN) Instagram (FR) TwitterLinkedinFacebookEmail: your.bside.podcast@gmail.com Credits: Jazzy Abstract, by BeatComa-Media

Vancouver Consumer - December 13, 2025 - John Carlson with John Carlson Real Estate

There's a lot of drone warfare footage on the internet from Ukraine and Russia. But over the last year, a surprising change has emerged, via photos from the battlefront posted online. It has become clear that a huge part of the drone war, from dropping grenades on soldiers in bunkers, to dropping explosives on infrastructure or airfields, is wired. Those wires are fiber optic cable, stretching from drone operators to the drones, which spool out cable across the ground and over trees along the battlefront. These drones are often single-use rarely returning from the mission they set out on. And the spools of fiber optic cable, stretching over 30-50 kilometers, don't get cleaned up. We explore this evolution of drone use in the conflict - where it came from, and why.

AI is reshaping the tech landscape, but a big question remains: is this just another platform shift, or something closer to electricity or computing in scale and impact? Some industries may be transformed. Others may barely feel it. Tech giants are racing to reorient their strategies, yet most people still struggle to find an everyday use case. That tension tells us something important about where we actually are.In this episode, technology analyst and former a16z partner Benedict Evans joins General Partner Erik Torenberg to break down what is real, what is hype, and how much history can guide us. They explore bottlenecks in compute, the surprising products that still do not exist, and how companies like Google, Meta, Apple, Amazon, and OpenAI are positioning themselves.Finally, they look ahead at what would need to happen for AI to one day be considered even more transformative than the internet.Timestamps: 0:00 – Introduction 0:17 – Defining AI and Platform Shifts1:50 – Patterns in Technology Adoption6:04 – AI: Hype, Bubbles, and Uncertainty13:25 – Winners, Losers, and Industry Impact19:00 – AI Adoption: Use Cases and Bottlenecks24:00 – Comparisons to Past Tech Waves32:00 – The Role of Products and Workflows40:00 – Consumer vs. Enterprise AI46:00 – Competitive Landscape: Tech Giants & Startups51:00 – Open Questions & The Future of AIResources:Follow Benedict on LinkedIn: https://www.linkedin.com/in/benedictevans/ Stay Updated:If you enjoyed this episode, be sure to like, subscribe, and share with your friends!Find a16z on X: https://x.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/id842818711Follow our host: https://x.com/eriktorenbergPlease 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 http://a16z.com/disclosures. 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.

90s holiday nostalgia is making a big comeback this season. Also, NBC News Correspondent Savannah Sellers shares tips on helping parents navigate kids' smartphone and social media safety. Plus Mandy Patinkin talks his new show “The Artist.” And, discover the hottest tech gifts under $100.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Talking Sleep, host Dr. Seema Khosla welcomes Dr. Safwan Badr, the newly appointed editor of the Journal of Clinical Sleep Medicine and pulmonologist at Wayne State University, for an in-depth review of the most impactful articles published in JCSM during 2025.  Dr. Badr discusses his vision for the journal and the editorial selection process, then guides listeners through key research findings shaping clinical practice. The conversation highlights both highly popular papers and important studies that deserve more attention from practicing clinicians.  A significant focus is placed on research confirming that traditional 4% hypopnea criteria and CMS definitions systematically underestimate sleep apnea in women, with expanded diagnostic criteria helping mitigate these gender disparities. The episode explores groundbreaking research on sleep architecture and Alzheimer's disease, examining how lower slow wave sleep and REM sleep correlate with brain atrophy in AD-vulnerable regions, particularly the inferior parietal lobe.  Consumer sleep technology receives critical examination through a meta-analysis comparing wrist-worn devices to polysomnography, revealing significant limitations in accuracy. Dr. Badr discusses implications for physicians and consumers who increasingly rely on these devices. Mental health intersects with sleep medicine through research showing that nightmares and insomnia in the acute aftermath of trauma predict suicidal ideation—nearly half of acute trauma patients with both conditions experience suicidal ideation within two months, highlighting urgent need for early interventions.  Additional topics include Canadian research on CBT-I effectiveness during pregnancy and findings from the TODAY study examining obstructive sleep apnea's relationship with glycemic control and cardiovascular risk in young adults with youth-onset type 2 diabetes. Whether you're looking to stay current with evidence-based practice changes, interested in emerging research on sleep and neurodegeneration, or seeking to understand gender disparities in sleep medicine, this year-in-review provides essential updates. 

Oracle and Broadcom worries hit tech stocks. Jose Rasco, Chief Investment Officer at HSBC Global Private Banking and Wealth Management, breaks down the week's wild market action. BTIG's Robert Drbul gives his top consumer picks—and catalysts—for 2026. Growing speculation around a potential SpaceX IPO with Daniel Hanson of Neuberger Berman. Netskope CEO Sanjay Beri talks the company's first earnings report as a public company. Wells Fargo analyst Jason Kupferberg on the fintech setup heading into 2026. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This special bonus episode of the podcast is a conversation I had with the wonderful Brian Ruskin of the Honest and Unmerciful Record Review Podcast. As well as co-hosting one of my favourite shows, Brian is a prolific musician who has released over a dozen albums of his own material. We're taking a sylistic detour today however as we plunge headlong into the world of electronic music, loops, samples, heavily processed guitars, and found sounds! But don't worry, we have a fantastic guide!We talk about how discovering his music unlocked a part of my musical brain I didn't even know existed and Brian was absolutely brilliant in articulating his creative process and his background in getting to this stage in his creative life.Song and links relevant to the episode:Mental Heatlh Consumer @ Bandcamp: https://mentalhealthconsumer.bandcamp.com/The new album The Echoes I Sent: https://mentalhealthconsumer.bandcamp.com/album/the-echoes-i-sentLinkhub for links to streaming platforms and press: https://music.imusician.pro/a/xDnwUJqNLabel: EC Underground: https://ecunderground.bandcamp.com/Far Above the World Tonight: https://mentalhealthconsumer.bandcamp.com/album/far-above-the-world-tonightHonest and Unmerciful Record Review Podcast: https://honest-unmerciful-record-review.podbean.com/Follow me on social media, like, subscribe, and please, leave a rating if you like the show.Facebook: https://www.facebook.com/thetompettyprojectBluesky: https://twitter.com/TomPettyProjectInstagram: https://www.instagram.com/thetompettyprojectYouTube: https://www.youtube.com/@thetompettyprojectBoneless Podcast Network : https://boneless-catalogue-player.lovable.appThe theme song is provided by my very best friend Randy Woods. Check him out at https://www.randywoodsband.comThe Tom Petty Project is not affiliated with the Tom Petty estate in any way and when you're looking for Tom's music, please visit the official YouTube channel first and go to tompetty.com for official merchandise.A last very special thanks to Paul Zollo. Without his book, "Conversations with Tom Petty", this podcast wouldn't be nearly as much fun to research. And further thanks to Warren Zanes for his outstanding book "Petty, the Biography".Producer: Kevin BrownExecutive Producer: Paul RobertsSupport this show http://supporter.acast.com/the-tom-petty-project. Hosted on Acast. See acast.com/privacy for more information.

It's no secret how large Facebook and Instagram are. @LikeFolio's Landon Swan says it should also be no secret that A.I. can use all this social media data to tap into the consumer psyche and further capitalize on big spending events like Black Friday. He explains how the two work in tandem and will continue to do so through Meta's A.I. buildout. ======== 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 – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

The jobs market is seeing contraction in the ADP and jobless claims numbers, and Chris Maxey makes the case that it adds to the labor weakness picture. Consumer health remains intact through metrics like retail sales but home price increases add pressure in a "K-shaped" economy. Chris points to lower interest rates as something that will help Americans moving forward. ======== 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 – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

This episode of Furniture Industry News elucidates the remarkable performance of certain home furnishings retailers during the recent holiday season, particularly highlighting the success of companies such as 1915 South and Morris Furniture, which experienced significant sales increases attributed to astute marketing strategies, well-prepared showrooms, and enticing financing options. Despite these successes, we confront a more sobering reality, as the industry grapples with substantial financial setbacks, evidenced by the bankruptcy or closure of seven major retailers since early 2024, resulting in a loss of over $3.8 billion in sales. Within this tumultuous economic landscape, we examine the mixed signals emanating from various market indicators, including a notable decline in consumer confidence coupled with a modest uptick in existing home sales and mortgage rates. Importantly, the consumer sentiment survey reveals a pronounced inclination towards comfort and coziness, suggesting a lucrative opportunity for retailers who can align their offerings with this prevailing desire. Ultimately, while we navigate through the challenges and uncertainties of the current market, there exists a compelling argument for those who prioritize listening to consumer needs and adapting their strategies accordingly.Takeaways: The recent holiday sales period has demonstrated remarkable growth among several key home furnishings retailers, particularly noted through significant increases in sales figures during Black Friday weekend. While many retailers have experienced a positive uptick in sales, some companies, such as Miskelly Furniture, reported disappointing results when compared to the previous year's performance. The financial landscape for the furniture industry has been tumultuous, with seven major retailers filing for bankruptcy since 2024, indicating a severe strain on the market. Despite the challenges facing the industry, there are encouraging signs of stabilization among U.S. furniture manufacturers, evidenced by a significant increase in new orders and improved shipment rates. Consumer sentiment, as revealed by recent surveys, indicates a strong preference for comfort during the winter months, presenting a unique opportunity for retailers to cater to this desire for coziness. Looking ahead, the National Retail Federation projects a modest increase in holiday sales, fostering a cautiously optimistic outlook amidst economic uncertainties.

Sorghum State Podcast host Maddy Meier sits down with Lanier Dabruzzi, Director of Nutrition and Food Innovation for the Sorghum Checkoff, to explore why sorghum is stepping into the spotlight.The conversation also highlights a major innovation: IQF (individually quick frozen) sorghum. From the market gap it fills to why foodservice and CPG (consumer packaged goods) teams are calling it a game-changer, they unpack what makes IQF sorghum uniquely flexible, and uniquely challenging, to work with.On the science front, Lanier shares details about a groundbreaking human clinical trial studying traditional white and sumac sorghum varieties. They discuss the health questions researchers aim to answer and how these insights could drive broader consumer recognition and farmer profitability.Tune in to hear what's fueling excitement at the intersection of science, food, and agriculture—and why sorghum is one grain to watch.

Send us a textKeywordsKorean supercars, Genesis, Lexus LFA, performance cars, electrification, automotive industry, luxury cars, supercar market, brand heritage, car enthusiastsSummaryIn this conversation, Adam and John explore the evolving landscape of supercars, focusing on the emergence of Korean brands like Genesis and their ambitious new models. They discuss the implications of electrification, the legacy of the Lexus LFA, and the challenges faced by traditional European manufacturers. The hosts delve into the balance between prestige and performance, the importance of brand heritage, and the future of supercars in a rapidly changing automotive market.TakeawaysHyundai's luxury brand Genesis is entering the supercar market with bold ambitions.The Magma series from Genesis represents a significant shift towards performance.There is a debate on whether Genesis is chasing prestige or performance.The Lexus LFA remains a benchmark for sound and performance in supercars.Electrification is reshaping the supercar landscape, but may lack the visceral experience of traditional engines.Brand heritage plays a crucial role in consumer perception of supercars.Korean brands are challenging the dominance of European supercar manufacturers.The future of supercars may involve a mix of hybrid and electric technologies.Consumer preferences are shifting towards performance and reliability over brand legacy.The automotive industry is witnessing a new era of competition and innovation.TitlesKorean Supercars: A New Era BeginsGenesis and the Magma Series: Performance RedefinedSound bites"Is Genesis chasing prestige or performance?""The LFA is a crazy story.""Genesis is the newcomer with big ambitions."Chapters00:00 The Rise of Korean Supercars02:51 Genesis and the Magma Series05:49 Chasing Prestige vs. Performance08:39 The Legacy of the Lexus LFA11:29 The Future of Supercars14:22 The Impact of Electrification17:11 Market Dynamics and Brand Heritage20:01 The Challenge to European Dominance22:51 The Evolution of Performance Cars25:40 Consumer Preferences in the Supercar Market28:36 Final Thoughts on the New Era of SupercarsSupport the show

Pippa Hudson speaks to Richard Sutton, a performance consultant, about his 4th book called Shift Happens – 12 Tools to Calm, Strengthen and Control your Life. Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read, and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10 pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth, & the environment. Thank you for listening to a podcast from Lunch with Pippa Hudson Listen live on Primedia+ weekdays between 13:00 and 15:00 (SA Time) to Lunch with Pippa Hudson broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/MdSlWEs or find all the catch-up podcasts here https://buff.ly/fDJWe69 Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Pippa Hudson announces the short list and winner of the 2025 Big Book Bonanza. Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read, and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10 pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth, & the environment. Thank you for listening to a podcast from Lunch with Pippa Hudson Listen live on Primedia+ weekdays between 13:00 and 15:00 (SA Time) to Lunch with Pippa Hudson broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/MdSlWEs or find all the catch-up podcasts here https://buff.ly/fDJWe69 Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Pippa Hudson speaks to Matt C Smith, known as South Africa’s Snowbok, as he prepares to represent the country at the 2026 Winter Olympics. Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read, and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10 pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth, & the environment. Thank you for listening to a podcast from Lunch with Pippa Hudson Listen live on Primedia+ weekdays between 13:00 and 15:00 (SA Time) to Lunch with Pippa Hudson broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/MdSlWEs or find all the catch-up podcasts here https://buff.ly/fDJWe69 Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Plan your weekend entertainment, from events, movies and theatre to TV shows. Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read, and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10 pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth & the environment. Thank you for listening to a podcast from Lunch with Pippa Hudson Listen live on Primedia+ weekdays between 13:00 and 15:00 (SA Time) to Lunch with Pippa Hudson broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/MdSlWEs or find all the catch-up podcasts here https://buff.ly/fDJWe69 Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

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Dollar General (DG) shares have surged 14% after beating earnings, and this contrasts with luxury weakness and signals a shift in consumer behavior.Today's Stocks & Topics: Davidson Multi-Cap Equity I (DFMIX), Market Wrap, Medtronic plc (MDT) , “The Discount Retail Signal: Is the Consumer "Trading Down"?”, UFP Industries, Inc. (UFPI), Southern Copper Corporation (SCCO), Freeport-McMoRan Inc. (FCX), Ero Copper Corp. (ERO), Federal Reserve Cuts Interest Rates, E.L.F. Beauty, Inc. (ELF), B2Gold Corp. (BTG), Warner Bros. Discovery, Inc. (WBD).Our Sponsors:* Check out Incogni: https://incogni.com/investtalk* Check out Invest529: https://www.invest529.com* Check out NordProtect: https://nordprotect.com/investalk* Check out Quince: https://quince.com/INVEST* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

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 explore whether "only at Target" labels actually drive sales or if they backfire. They reveal how exclusive features can sometimes make products less appealing when customers see them as trivial or disconnected from real value.Topics covered:   [01:00] "Do Products Labeled Retailer Exclusive Affect Consumer Behavior"[02:00] How scarcity influences buying decisions[03:00] Testing exclusivity with vacuums and Blu-Rays[04:00] Why adding more exclusive features can hurt sales[05:00] In-store experiences versus exclusive labels[06:00] When exclusivity feels meaningful versus trivial  To learn more, visit marketingarchitects.com/podcast or subscribe to our newsletter at marketingarchitects.com/newsletter.  Resources: Upshaw, D., Amyx, D., Upshaw, A., & Hardy, M. (2023). Do products labeled retailer “exclusive” affect consumer behavior?Journal of Marketing Development and Competitiveness  Get more research-backed marketing strategies by subscribing to The Marketing Architects on Apple Podcasts, Spotify, or wherever you listen to podcasts.

Stephen Yalof, CEO of Tanger (SKT), previews the trends to watch in holiday shopping. Tanger is a outlet mall chain with 41 shopping centers in North America; Stephen says consumer sentiment is rising and they saw strong traffic in November. “We've got an aspirational customer” that wants value, he says, “Gap is having a great resurgence,” along with J. Crew and similar retailers. He shares some of the strategies shopping centers use to attract and retain customers, as well as coax higher spend.======== 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

Pippa speaks to Kim Krynauw and Amos Lapenga from the Hout Bay Seal Rescue Centre about their work to rescue and rehabilitate seals in distress. Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth & the environment. Thank you for listening to a podcast from Lunch with Pippa Hudson Listen live on Primedia+ weekdays between 13:00 and 15:00 (SA Time) to Lunch with Pippa Hudson broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/MdSlWEs or find all the catch-up podcasts here https://buff.ly/fDJWe69 Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Pippa speaks to Pippa speaks to Renaldo Wales, the head of Music at Kronendal Music Academy in Hout Bay about the work they’re doing in the community to teach children music. Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10 pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth & the environment. Thank you for listening to a podcast from Lunch with Pippa Hudson Listen live on Primedia+ weekdays between 13:00 and 15:00 (SA Time) to Lunch with Pippa Hudson broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/MdSlWEs or find all the catch-up podcasts here https://buff.ly/fDJWe69 Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Pippa speaks to Dr. Darren Green about being sun smart, what a Vitamin D deficiency is and how to deal with it. Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10 pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth & the environment. Thank you for listening to a podcast from Lunch with Pippa Hudson Listen live on Primedia+ weekdays between 13:00 and 15:00 (SA Time) to Lunch with Pippa Hudson broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/MdSlWEs or find all the catch-up podcasts here https://buff.ly/fDJWe69 Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Pippa speaks to Fabrizio Lazzarotto, the owner of IceDream, in Hout Bay which has been supplying gelato for many years. Lunch with Pippa Hudson is CapeTalk’s mid-afternoon show. This 2-hour respite from hard news encourages the audience to take the time to explore, taste, read and reflect. The show - presented by former journalist, baker and water sports enthusiast Pippa Hudson - is unashamedly lifestyle driven. Popular features include a daily profile interview #OnTheCouch at 1:10 pm. Consumer issues are in the spotlight every Wednesday while the team also unpacks all things related to health, wealth & the environment. Thank you for listening to a podcast from Lunch with Pippa Hudson Listen live on Primedia+ weekdays between 13:00 and 15:00 (SA Time) to Lunch with Pippa Hudson broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/MdSlWEs or find all the catch-up podcasts here https://buff.ly/fDJWe69 Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Dec. 10 , 2025- A common accounting practice being pushed by financial institutions and their attorneys during foreclosure proceedings is costing New Yorkers money they should be entitled to. We explore this consumer protection issue with Chris Bragg, Albany bureau chief at New York Focus, and David Brand, a housing journalist with WNYC & Gothamist, the journalists who exposed this ongoing practice.

In this episode, Allison Carey, VP of Marketing at Raw Sugar Living, talks about the brand's mission to provide better-for-you hair and body products at an affordable price, while also lifting spirits through positive messages, images, and experiences. She touches on the Gen Z consumer's desire for authenticity, education, and values-alignment in the brands they support, and how the brand appeals to that generation through their raw voice and integrity. Allison sheds insights into their product development guardrails, and the importance of creating products that are safe for sensitive skin, kids, and even fur kids (dogs). We discuss the brand's commitment to us 100% post consumer recycled (PCR) content in their bottles by 2030, their give back program that has donated over 20 million bars of soap and other clean essentials to families in need, and what the future looks like for Raw Sugar Living. We wrap up by hearing Allison's personal vision for a better world.Takeaways:The Clean Beauty Movement is a significant trend.Gen Z prefers authenticity, education, and values alignment over big splashy campaigns.Raw Sugar Living is dedicated to making clean beauty accessible and affordable. The brand avoids harmful ingredients and prioritizes safe formulations. Fragrance is carefully selected to enhance the consumer experience without compromising safety. Consumer insights drive innovation, particularly in catering to younger generations.Understanding consumer preferences is essential for marketing.Consistency in messaging is crucial for brand loyalty.Brands need to adapt to changing consumer expectations.Authenticity can differentiate brands in a crowded market.Sound bites:“Gen Z really is not as interested in the big splashy campaigns and trends. They want more authenticity, more education, and they want brands that live into those values.”“We don't just say Clean For All because we're an affordable brand. It also means that we have something for your whole family.”“We formulate without phthalates, without silicones, and we also have a very strict policy on fragrance. So you can be rest assured that everything you're putting on your skin, not only is it safe and better for you, but it's also effective.”“The post consumer recycled (PCR) plastic initiative was one that was started from the brand's inception.”“We believe it's like a full immersive 360 experience. So it's good for you, it smells good, and you walk out of the shower feeling better.”“We put sugar notes on the back of everything and it's always like a positive uplifting message.”“We also have something for your fur kids too, because we have a line called Fur Kids and that is for your dogs.”“A better world, to me, is definitely one where we all strive to make each other feel grateful and happier for what we have and how we use it.”Links:Allison Carey on LinkedIn - https://www.linkedin.com/in/allison-carey-23942849/Raw Sugar Living - https://rawsugarliving.com/Raw Sugar Living on LinkedIn - https://www.linkedin.com/company/raw-sugar-living/Raw Sugar Living on Facebook - https://www.facebook.com/rawsugarliving/Raw Sugar Living on Instagram - https://www.instagram.com/rawsugarliving/Raw Sugar Living on TikTok - https://www.tiktok.com/@rawsugarliving_…Joyful (Book) by Ingrid Fetell Lee - https://www.goodreads.com/book/show/43300050…Brands for a Better World Episode Archive - http://brandsforabetterworld.com/Brands for a Better World on LinkedIn - https://www.linkedin.com/company/brand-for-a-better-world/Modern Species - https://modernspecies.com/Modern Species on LinkedIn - https://www.linkedin.com/company/modern-species/Gage Mitchell on LinkedIn - https://www.linkedin.com/in/gagemitchell/…Print Magazine Design Podcasts - https://www.printmag.com/categories/printcast/…Heritage Radio Network - https://heritageradionetwork.org/Heritage Radio Network on LinkedIn - https://www.linkedin.com/company/heritage-radio-network/posts/Heritage Radio Network on Facebook - https://www.facebook.com/HeritageRadioNetworkHeritage Radio Network on X - https://x.com/Heritage_RadioHeritage Radio Network on Instagram - https://www.instagram.com/heritage_radio/Heritage Radio Network on Youtube - https://www.youtube.com/@heritage_radioSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Health insurance is getting more expensive next year. Costs are rising for people on employer plans, Medicare, and especially for those who buy coverage through the Affordable Care Act marketplace.   The 21st Show is Illinois' statewide weekday public radio talk show, connecting Illinois and bringing you the news, culture, and stories that matter to the 21st state. Have thoughts on the show or one of our episodes, or want to share an idea for something we should talk about? Send us an email: talk@21stshow.org. If you'd like to have your say as we're planning conversations, join our texting group! Just send the word "TALK" to (217) 803-0730.Subscribe to our podcast and hear our latest conversations.   Apple Podcasts: https://podcasts.apple.com/us/podcast Spotify: https://open.spotify.com/show/6PT6pb0 Find past segments, links to our social media and more at our website: 21stshow.org.

Health subsidies are about to expire, which will send premiums skyrocketing. Republicans say they have a plan, but will it actually help you? ... On the heels of Paramount's hostile takeover bid of Warner Bros. Discovery comes a $72 billion consumer class-action lawsuit ... Consumer confidence in the economy is dropping, but people keep spending. Why?    Learn more about your ad choices. Visit podcastchoices.com/adchoices

Micron is leaving the consumer memory market, including its Crucial brand, to focus on high-bandwidth memory (HBM) for AI data centers. The company will continue selling consumer products until February 2026. The move comes amid a global chip shortage, and HBM sales are growing fast, making AI-focused memory more profitable than consumer products. This and more on the Tech Field Day News Rundown with Tom Hollingsworth and Alastair Cooke. Time Stamps: 0:00 - Cold Open0:27 - Welcome to the Tech Field Day News Rundown1:22 - Trump Administration Lets Nvidia Sell H200 AI Chips to China4:17 - React Server Flaw Lets Hackers Run Code7:34 - IBM Strikes $11 Billion Deal to Acquire Confluent11:17 - Intel Reverses Plan to Sell Networking Unit, Keeps NEX In-House14:59 - IBM CEO Says Today's AI Datacenter Boom Isn't Financially Sustainable19:42 - Cloudflare Forces Outage to Stop Critical React2Shell Exploit22:53 - Micron Exits Consumer Memory to Focus on AI Chips30:53 - The Weeks Ahead31:58 - Thanks for Watching Follow our hosts ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tom Hollingsworth⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Alastair Cooke⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Stephen Foskett⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Follow Tech Field Day ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠X/Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Bluesky⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, and on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mastodon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Lead in protein powder?

In this episode of the Science of Skin podcast, Dr. Ted Lain interviews Tara Loftis, the Global President for Dermatological Skincare at Galderma. They discuss Tara's impressive career journey in the skincare industry, her insights on consumer needs, and the importance of sensitive skin research. The conversation also explores future trends in skincare, emphasizing the shift towards genuine skin health and the democratization of skincare products. Tara shares her passion for innovation and the role of dermatologists in shaping the future of skincare. To watch this an other episodes, be sure to check out our YouTube page Takeaways Tara Loftis oversees four significant skincare brands at Galderma.Benzac has a strong presence in international markets, especially among Gen Z.Elastin Skincare has seen incredible advances under Dr. Widgerow's leadership.Consumer insights drive product development at Galderma.Sensitive skin is a growing concern, with 70% of people self-identifying as having it.Galderma's Sensitive Skin Faculty focuses on research and education.The skincare industry is seeing a shift towards genuine skin health.Gen Z is becoming increasingly skincare fluent and aware.The democratization of skincare allows access to high-quality products for everyone.Tara emphasizes the importance of being consumer-obsessed in product development. Disclaimer: This podcast is not intended to provide diagnosis, treatment, or medical advice. Content provided in this podcast is for educational purposes only. Please consult with a physician regarding any health-related diagnosis or treatment.See omnystudio.com/listener for privacy information.

More information about Brain Lenses at brainlenses.com.Paid BL supporters receive an additional episode of the show each week.Read the written version of this episode: This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit brainlenses.substack.com/subscribe

In this episode, Austin chats with Santiago Roel Santos, founder of Inversion, discussing why crypto has struggled to reach mainstream adoption and what it will take to change that. Santiago explains how Inversion applies a private-equity-style model to deploy capital into real-world use cases, rather than chasing speculative cycles. He outlines why stablecoins are emerging as crypto's strongest product-market fit, what infrastructure still needs to mature, and how regulatory clarity is shaping global distribution. The conversation also covers chain selection, the limits of “casino onboarding,” and why genuine adoption depends on building products that solve practical problems for people and businesses. 00:00 - Understanding Inversion and Its Origins 07:18 - Crypto's Consumer to Enterprise Shift 12:59 - Interoperability and Choosing the Right Blockchain 17:16 - Private Equity in a High Interest Rate Environment 20:16 - Distribution vs. Product in Crypto 25:50 - The Future of Crypto and Stablecoins33:19 - Global Economic Power and Technology 35:51 - Crypto's Impact on Corporate Structures 40:32 - Tokenized Stocks and Market Access 48:02 - Advice for Founders in the Crypto Space Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this conversation, Dudley and Pastor Chris McRae explore what pastoral leadership looks like in a culture shaped by consumer Christianity. Chris reflects on the weight of the pastoral calling, the need to know and care for the flock, and how the vision of the Kingdom of God challenges many of the assumptions modern Christianity has adopted. Their dialogue raises an essential question for the church today: What is discipleship? Is it spiritual convenience, or a life shaped by the gospel and surrendered to the true Shepherd?Together they discuss why pastors must resist the pressure to offer transactional messages and instead call people into the life Jesus offers. By rooting ministry in relationship, grace, and the transforming power of the gospel, they point toward a way of being the church that is faithful, joyful, and free.Get Dudley's Weekly Word delivered right to your inbox every Friday! Click here to get access ➡️ https://dudleysweeklyword.com/opt-inFor more information and resources, visit https://kerygmaventures.com/podcast/ Follow and subscribe:Apple Podcasts: https://apple.co/41N9SAP Spotify: https://spoti.fi/3LEIxeo YouTube: https://www.youtube.com/@kerygmaventures Watch our "Conversations At The Ranch" series: https://bit.ly/conversations-at-the-ranch Watch our “Dudley's Monthly Message” series: https://bit.ly/dudleys-monthly-message 

Bitcoin and Ethereum surged amid anticipation that the US central bank will cut rates tomorrow.~This episode is sponsored by Tangem~Tangem ➜ https://bit.ly/TangemPBNUse Code: "PBN" for Additional Discounts!00:00 Intro00:10 Sponsor: Tangem00:50 Tomorrow01:30 BTC finally turns positive for the year02:20 Trump: The economy is A++++02:45 Consumer sentiment all-time low03:30 Immediate rate cuts is a requirement04:00 Mike Wilson (Morgan Stanley): Labor market bottomed06:20 Rick Reider: Fed has more room to cut08:00 Fed cuts within all-time highs08:45 Bank expectations09:15 Fed may boost bill purchasing09:45 Bullish Sentiment surging10:30 Coinbase x PNC11:10 Banks x Bitcoin12:50 MSTR forced to sell?13:30 Andre Jikh: Strategy Death Spiral16:40 $MSTR has a complicated balance sheet17:30 Tom Lee All IN17:50 Bulls always win18:30 Lyn Alden says to DCA19:45 Outro#ethereum #crypto #bitcoin~Ethereum Surges Ahead of Fed Meeting

Anthony Saccaro thinks a rate cut tomorrow is “well justified” as both sides of their mandate appear to be softening. Looking ahead, he thinks the Fed will remain dovish, possibly previewing several rate cuts in 2026. The consumer is “most likely” to derail the economy from here, he argues, noting debt and delinquencies are up while savings rates are down. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe 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

Mike Wilson, our CIO and Chief U.S. Equity Strategist, and Dan Skelly, Senior Investment Strategist at Morgan Stanley Wealth Management, discuss the outlook for the U.S. stock market in 2026 and the most significant themes for retail investors. Read more insights from Morgan Stanley.----- Transcript -----Mike Wilson: Welcome to Thoughts on the Market. I'm Mike Wilson. Morgan Stanley's CIO and Chief U.S. Equity Strategist. Daniel Skelly: And I'm Dan Skelly, Senior Investment Strategist for Morgan Stanley Wealth Management. Mike Wilson: Today we're going to have a conversation about our views on the U.S. stock market in 2026, and what matters most to retail investors in particular. It's Monday, December 8th at 9am in New York. So, let's get after it. Dan, it's great to see you. We always talk about the markets together. I think this is a great opportunity for us to share those thoughts with listeners. Our view coming into this year is still pretty bullish for 2026. We've been bullish on [20]25 as you have, probably for, you know, similar – maybe some slightly different reasons. I think one of our differentiating views is that we do think inflation is still a major risk for individual investors. And institutional investors, quite frankly, which is why stocks have done so much better. A concept, I think you're well aware of. And I think, you know, the risk for retail is that there's going to be; it's going to be volatile. So, point-to-point, we're still bullish as you are. How are you thinking about managing that point-to-point path? And how are you structuring your portfolio as we go into 2026 with a bullish outlook – but understanding that it's not always going to be smooth. Daniel Skelly: So, like you said, we've also shared this view that next year's going to be positive, albeit there's going to be more volatility. And when I think about the two main risks that retail investors are facing today, one of them is definitely inflation. We're seeing that in services. We're seeing that in housing. We've had the labor market shrink over the recent couple of quarters, so who knows if wage inflation pops up again. But there are ways to definitely hedge against that in an equity portfolio. We think, for instance, owning parts of the AI infrastructure cohort is one of the ways of hedging, whether that be in utilities, pipelines, energy infrastructure in general. These are areas that we think are a necessary hedge against inflation risk. And number two are a positive diversifier. And second key point, Mike, just thinking about that diversification comment. Look, we all know that in many ways the Mag 7 – and the technology strength that we've seen this past year – has driven a fairly concentrated market. I think what people, particularly on the individual side, are recognizing less is just how much AI cuts across many other sectors in parts of the market. And again, we think that risk of over concentration is still out there. And we like the idea of thinking of embedding natural diversification into the equity portfolio. Mike Wilson: Yeah. I mean, it's interesting. Inflation, you know, is part of that story too because AI is somewhat disinflationary or deflationary. I think, you know, investing in things that can drive higher productivity even away from AI can mitigate some of that risk in the economic outlook. But if I think about, you know, the Mag 7 dominance, and just this concentrated market risk, which you spoke about. If inflation re-accelerates next year, which, you know, is one of our core views as the economy improves – doesn't that broaden out the opportunity set? And you know, like there's been this idea that, ‘Oh, you have to own these seven stocks and nothing else.' I mean, part of our view for next year is that we think the market's going to broaden out. How are you set up for that broadening out? And how are you thinking about picking stocks and new themes that can work – that maybe people aren't paying attention to right now? Daniel Skelly: Yeah, it's a great point, Mike. And so, on the first topic, we do think there's broadening, and that's a combination of factors. Number one is just the market becoming more convicted about the Fed cutting path, which we've talked about, and the firm's view reaffirms for next year. Number two is starting to see some of the benefits of deregulation, right, which should impact maybe some of the more cyclical sectors out there – Financials, Energy being two of them. Maybe seeing more M&A activity too as a byproduct of deregulation. And that should bode better for mid- and maybe small caps as well as they receive a M&A premia in the valuations. And I know you've talked about small caps recently in your commentary. But last point I'll make Mike, and it comes back to AI. It almost feels like AI is this huge inflationary ramp at first to get to that deflationary nirvana down the road – with productivity. I think one of the key factors we think about, in terms of a bottom-up perspective, which is what we focus on in across the portfolio, is definitely pricing power. Who owns the pricing power and the key data and the key AI adoption outlook in order to absorb all the different tools and technology diffusion we've seen in the last three years. And that's going to play out, Mike, as you well know, across a variety of sectors and themes. So, agreed, we should see broadening for all those varying reasons. Mike Wilson: So, I mean, there are a couple areas I think, where we overlap. Financials…Daniel Skelly: Yep. Mike Wilson: Industrials, Healthcare, some of the themes that I think we both; we share our bullish views. And what do you think those areas are, within those sectors? You think that you have a differentiated view maybe than the consensus being Financials, Industrials, Healthcare? That the market may be missing, which offers more upset? Daniel Skelly: Sure. I'll start with Financials, which has been an overweight call for us for some time, as I know it has for you as well. And I think that kind of cyclical re-acceleration in the economy is one part. I think the Fed cutting is another part. I think deregulation is clearly another driver. Fourth Capital Markets recovery, which we have seen now. We had a little bit of a technical lull with the government shutdown in terms of filings and issuance, but we see all of the pipeline indicators, indicating green lights for next year in terms of recovery. I think the one thing I would argue that I've observed in looking at all of our vast data sets is that despite all these different bullish factors, this still maybe has been a theme or a sector that investors have traded in and out of, right? I don't think I've even seen like a real strong, consistent overweight. So, I think number one, that's an opportunity. And last point is, listen, there's different sub-sector bifurcation going on, as you know, within the industry, whereas money centers and large banks are performing really well. The same is not the case of regionals and alts managers. And there are varying reasons for that. But we would even argue, Mike, there could be catchup trades within the sector next year. Mike Wilson: Yeah, I would agree on that. I mean, the regional over money centers and actually regionals over alt managers, because I mean – I think the Treasury Secretary has talked about this, you know. Trying to get the regulated banking system kind of back in the game may actually be an opportunity to take share back from some of those alt managers, which have actually done quite well. What about on Healthcare? We upgraded that back in the summer. I think you've been constructive on parts of Healthcare, right. Wwhat do you think people are missing there and why could that be a good sector for next year? Daniel Skelly: Yeah. We were definitely, I'll say, earlier than you and wrong. You had really good timing in terms of your Healthcare upgrade last summer. And look, the sector was out of favor for two years. What we think we observed in the kind of July-August period is: First and foremost, I think we got past the point of maximum policy concern and risk. And ironically, we saw some kind of nominal or surface level deal signed with the government around most favored nation pricing. And it was really, not a lot to write home about. It wasn't as egregious as a policy inflection as some had feared. So, I think that was the first key catalyst. Second, we just saw a really good revisions breadth. And I know this is a comment you make a lot in your work. But we saw across big pharma, tools and life science, medical technology, and devices. We saw really good positive earnings revisions coming out of third and even starting the second quarter. Thirdly, I think if you're talking about an M&A in capital markets recovery, you can't not talk about Healthcare. I think that's a space that'll be ripe for deal making. And then just fourth, right? Look, as the market broadens out, and as people are stopping or maybe slowing the crowding and the key leadership, they're going to go again from AI enablers to AI adopters. And we think AI is going to be a vector that cuts across the Healthcare industry in a really positive way. Mike Wilson: Yeah, I mean, the efficiencies that are, you know, possible in the Healthcare sector seem immense. I mean, it, it appears to me that that's going to be an area where there's probably some new solutions, some new companies we don't even know about yet. So, to me that's a very exciting area that's been dormant for quite a while. What about Consumer, Dan? It's been this K economy. It's been very bifurcated, you know, high-end versus middle-income, lower-income. I mean, what are the themes within consumer that you're finding in putting to work in your portfolio? Daniel Skelly: Yeah. We've talked a lot, Mike, in the last year or so about playing Consumer platforms, particularly domestically oriented versus global consumer brands. And there's a couple of key drivers behind that. But first, when you look at what's going on in consumer land, and Simeon Gutman's been a really good, kind of, analyst looking at this theme over time. In many ways it's starting to resemble the Mag 7 in terms of winner take all phenomena. If you look at some of the major consumer big box platforms, they're taking 50- 60 percent of share of total retail sales. Just a couple of companies. So, number one, we're really focused on platforms where market share gains, free cash flow and revenue – recurring revenue – in particular, are leading to even stronger competitive moats, particularly in a capital-intensive industry. And what we've observed about retail is that as those leaders in big box areas take more share, they can reinvest that winning capital in their advertising growth in their online channel and widen their moats even more. Secondly though, in order to have a positive theme, I've always said you got to fund it from somewhere. And so, what we've observed again over the last year or so is – when I think about some of the even highest quality global brands they've suffered seeing less traction in China. And that's amid less of a willingness from Chinese consumers to own American and European brands. There's a lot to that, but I think culturally, obviously the trade war, the AI war for prominence leading to maybe some of that lack of cultural traction. Secondly, we've also, I think, started to see the growth of AI tools start to weigh on established brands. I think what makes a brand cool and the barriers to entry in terms of creating brands is going to go down in the future because of AI influencing and advertising tools. And so, simply put, we continue to like, Mike, the big box consumer platforms across, clothing and food, housing, across e-commerce. That continues to be one of our higher conviction themes. Mike Wilson: All right, Dan, I want to come back to, kind of, AI infrastructure. I mean, AI spending has been the big, big theme. But there's other types of infrastructure spend and CapEx. It's been dormant, quite frankly, and with the [One] Big Beautiful Bill [Act] perhaps incentivizing some of that. How does that play into your thought process around other industrial stocks that could benefit? Daniel Skelly: Absolutely, Mike. You cited the AI infrastructure spending. We think continues kind of unimpeded going into next year. Number two, we think the Fed cutting, just creating better financing conditions in terms of bigger projects. You mentioned as well, the fiscal incentives. And look, I think Chris Snyder has been spot on the last year or so talking about reshoring production wins coming back to the U.S. I don't think this is certainly as cognizant on the – or on the minds of individual investors. Maybe not even institutional investors. But the U.S. is winning manufacturing production share and has been for some time. And we've seen that no doubt ramp up post the announcement of the [One] Big Beautiful Bill {Act]. No doubt. But we think that has implications, Mike, for stocks and stock picking within what we would call, kind of, shorter cycle themes. And I think whether that be in Logistics and Transports or HVAC or some of the Non-Resi, Non-Datacenter related verticals. There are a whole bunch of stocks that have been kind of dormant for two to three years as we've been in this ISM recession that we think could certainly wake up next year as things broaden out. Mike Wilson: Yeah, we would agree with that. And I guess lastly, you know, there's always this Johnny come lately, you know, fear factor of, ‘Well … stocks are up a ton. My neighbor's bragging how much money they're making. So, I must have missed it all.' And I think embedded within that is this fear of valuation. The valuations are now very rich. What's your response to individual clients about – it's not too late, they haven't missed it. It's still a bull market. In fact, we would argue a new bull market began in April with a new economic cycle. What is your response to those folks who have that angst? Daniel Skelly: Two things. One is the market today looks totally different than it did in the past, and AI is no doubt one big part of that. The composition of the market in many ways is higher quality, less debt, more recurring revenue. Big call option on productivity coming from AI earnings, power, et cetera. So, we think the market should trade at richer levels than it did in the past, point number one. Point number two, we would say whereas most people say time is your friend – for individual investors, they would also say valuation is no short term or short run indicator, but it's the best long run indicator. And looking at today's, again, extended levels of valuation relative to history – they would say that's not going to play out well over the long run. I would actually take the other side of that. I think that the earnings and the economic potential unleashed not just from AI, but some of these fiscal and monetary policies could create tremendous margin earnings potential in the long run. And so, I think today we're looking at a level of multiples that appears artificially high. And based on what could be a big earnings inflection point in that multi-year timeframe could frankly just be superficially high. Mike Wilson: Well, Dan, it's always great to get your perspective. I always enjoyed chatting with you. Daniel Skelly: Likewise. Mike Wilson: Thanks for coming on the show and sharing it with our listeners. It's great to see you. Daniel Skelly: Thanks Mike. Mike Wilson: And thanks to our listeners. Thanks for tuning in and let us know what you think by leaving us a review. And if you find Thoughts on the Market worthwhile, tell a friend or colleague to try it out.

Witches and bitches… we are officially 7 days away from me walking out of my job and into the life I'm meant to create.

Kevin chats with John McClymont, Founder of Operational Innovations, about how shifting consumer expectations and delivery realities are reshaping warehouse fulfillment strategy today. John brings deep experience across e-commerce, DTC, and final-mile logistics, giving listeners a practical look at where warehouse operations need to evolve and why. He explains how fulfillment success increasingly depends on reliability, density, carrier mix, and the experience customers have from checkout to doorstep. Throughout the conversation, John breaks down how inconsistent carriers, messy data, and rising expectations influence every operational decision. His insights help operators rethink the role their warehouses play in brand experience and customer retention, especially as fast delivery is expected rather than exceptional.Learn more about Brecham Group here. Learn more about Endpoint and give Gary a break here. Follow us on LinkedIn and YouTube.Support the show

Elon Musk has declared war on the EU because of a small fine. Netflix really wants to buy WB, but Paramount might weasel in with a counter offer. Meta has delayed their AR glasses another year. The iPhone Air continues to flop.  And we have to chat about this cute new tablet in my office!  Let's get our tech week started right! -- Show Notes and Links https://somegadgetguy.com/b/4Zu 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.

Chuck Zodda and Mike Armstrong discuss what to expect in markets this week, from Fed rate decision to Oracle and Broadcom earnings. Paramount Skydance launches hostile big for Warner Brothers. The year of America's cranky consumer. Will Australia's 16-under social media ban come to the US?

Lancaster County Shows Consumer Fatigue: Colleague Jim McTague reports that retailers in Lancaster are using deep discounts to attract price-sensitive shoppers, noting that while weekend traffic is decent, weekdays are slow and high-end dining is struggling, with the job market tightening significantly as skilled labor demands vanish, suggesting consumers are "running out of disposable income". 1912 ALLENTOWN

This week, Jason is joined by Executive Vice President and General Manager at Intuit's Consumer Group, Mark Notarainni! Mark leads customer success and expert platforms for products like Credit Karma and TurboTax. Mark's story is a powerful example of long-term career growth and leadership evolution from his early days managing teams and customer experience to now overseeing global strategy at one of the world's leading financial technology companies. His career is built on a people-first leadership, what it takes to thrive inside a major organization, and the lessons he's learned about mentorship, career resilience, and defining success.  Mark opens up about his very first job at Baskin Robbins in high school and how those early lessons stuck with him throughout his career. He reflects on the pivotal decision that reshaped his professional path, the power of intellectual curiosity, and how he learned to stop being intimidated by others—remembering that everyone is “just people.” Mark walks through what a typical day looks like for him at Intuit, why staying close to the technology is essential, and how generative AI is transforming the way Intuit's Consumer Platform serves customers with speed, personalization, and scale. He touches on what causes him anxiety, the strict prioritization system he uses to manage his time, and why taxes represent the largest paycheck moment for many Americans. Mark also breaks down how Intuit's suite of companies helps consumers make smarter decisions around debt, tax returns, and the blend of human expertise and AI. He shares how customer-centricity guides every product improvement, where he recommends people begin their financial journey, and wraps with rapid-fire personal finance questions. Mark reveals all this and so much more in another episode you can't afford to miss! Host: Jason Tartick Co-Host: David Arduin Audio: John Gurney Guest: Mark Notarainni + https://www.intuit.com/ - includingCreditKarma.com and TurboTax.com, both of which are ready to help you make smart money moves ahead of tax season.  Stay connected with the Trading Secrets Podcast!  Instagram: @tradingsecretspodcast  Youtube: Trading Secrets Facebook: Join the Group  All Access: Free 30-Day Trial  Trading Secrets Steals & Deals!